Processing codes and transaction types

How the Pismo platform handles the processing codes for transaction types

A processing code is a custom alphanumeric identifier that defines how the Pismo platform handles a certain financial operation type. Processing codes are integral to the transactions flow on the Pismo platform. The platform uses standard predefined processing codes to evaluate and process operations. You can use these codes to reflect your own transaction flows on the Pismo platform. You can also add and configure your own processing codes to suit your business operations.

Processing codes enable you to configure a single operation to generate multiple transactions. Each processing code request creates an authorization that in turn generates one or more transactions of different transaction types, as illustrated below.

When you create a processing code and map it to one or more transaction types, this configuration determines:

  • The operation's impact on account balance (positive or negative in most cases, or neutral in cases such as zero balance integrations).
  • Whether to post an operation on the account statement.
  • Optional processing code for a corresponding reversal operation.

You can then use the defined processing codes in the Pismo platform to:

Transaction flow

The simplified diagram and the steps below illustrate the basic transactions flow on the Pismo platform and how the platform uses the configured processing codes and their mappings to transaction types.

  1. A client application makes a request that includes the processing codes.

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You can use two different processing codes in a single request when it’s a transfer operation: for example,

  • one processing code that defines an operation to debit an internal account in the from array
  • another processing code that defines an operation to credit an external account in the to array.
  1. The platform evaluates the request, creates an authorization, and generates the authorization-event-1 event.
  2. The platform uses the predefined mapping between the processing code and corresponding transaction types to create at least one transaction. The platform then generates the transaction creation-1 event for each created transaction.

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One authorization can generate multiple transactions: for example, one transaction for a principal amount and another transaction for an additional fee. These transactions can be of different types, debit or credit.

  1. The platform updates the bank statement with the created transactions.

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Processing codes and their relationships with transaction types have accounting implications. For example, if you have a debit operation, then the platform generates an accounting event for this operation. For more information, see the Accounting overview.

Payments configurations

You can configure processing codes, transaction types, their mappings, and other settings that manage how the platform will process operations in the payments and transactions flow. Contact a Pismo representative for more information.

Standard processing codes

The Pismo platform has templates to associate standard processing codes with Pismo program types. The following templates are examples that can help you map the processing codes to the Pismo programs.

Corporate banking

Accounts belonging to the corporate banking program types (current, internal, and correspondent).

Processing codeProcessing code descriptionBalance impactTransaction typeTransaction type description
219248HOLD FUNDS-1 (debit, cashout)7128HOLD FUNDS
219249HOLD FUNDS CANCEL1 (credit, cashin)92000046HOLD FUNDS CANCEL
219251RELEASE FUNDS1 (credit, cashin)7129RELEASE FUNDS
219252RELEASE FUNDS CANCEL-1 (debit, cashout)92000047RELEASE FUNDS CANCEL
220035CASHIN TRANSFER1 (credit, cashin)92000040CASHIN TRANSFER
220036UNDO CASHIN TRANSFER-1 (debit, cashout)92000041UNDO CASHIN TRANSFER
220037CASHOUT TRANSFER-1 (debit, cashout)92000042CASHOUT TRANSFER
220038UNDO CASHOUT TRANSFER1 (credit, cashin)92000043UNDO CASHOUT TRANSFER
220039CREDIT ADJUSTMENT1 (credit, cashin)92000044CREDIT ADJUSTMENT
220040DEBIT ADJUSTMENT-1 (debit, cashout)92000045DEBIT ADJUSTMENT

Debit full balance

Accounts for core banking with balance controls within the Pismo platform.

Processing codeProcessing code descriptionBalance impactTransaction typeTransaction type description
00PURCHASE-1 (debit, cashout)101PURCHASE
0001REFUND PURCHASE1 (credit, cashin)503PURCHASE REVERSAL
003100INTERNATIONAL PURCHASE-1 (debit, cashout)102INTERNATIONAL IOF
003100INTERNATIONAL PURCHASE-1 (debit, cashout)404INTERNATIONAL IOF
003101INTERNATIONAL PURCHASE REVERSAL1 (credit, cashin)508INTERNATIONAL PURCHASE REV
003101INTERNATIONAL PURCHASE REVERSAL1 (credit, cashin)509INTERNATIONAL IOF REV
007000DEBIT TRANSFER-1 (debit, cashout)304DEBIT TRANSFER
007001DEBIT REVERSAL1 (credit, cashin)392DEBIT REVERSAL
007200CREDIT TRANSFER1 (credit, cashin)320MONEY ORDER
007201CREDIT REVERSAL-1 (debit, cashout)391CREDIT REVERSAL
007400TED CASH IN1 (credit, cashin)313TED CASH IN
007401REVERSAL TED CASH IN-1 (debit, cashout)315REVERSAL TED CASH IN
007503DEPOSIT BY BILL1 (credit, cashin)341DEPOSIT BY BILL
007700ZERO DEBIT TRANSFER0 (no impact, zero balance)*330ZERO DEBIT TRANSFER
007701TRANSFER REVERSION ZERO DEBIT0 (no impact, zero balance)*331TRANSFER REVERSION ZERO DEBIT
01NATIONAL WITHDRAWAL-1 (debit, cashout)123WITHDRAWAL
01NATIONAL WITHDRAWAL-1 (debit, cashout)604WITHDRAWAL FEE
0101REVERSE NATIONAL WITHDRAWAL1 (credit, cashin)512REVERSAL WITHDRAWAL
0101REVERSE NATIONAL WITHDRAWAL1 (credit, cashin)9467REVERSAL FEE WITHDRAWAL
011000**PIX RECEIPT1 (credit, cashin)242PIX RECEIPT
011001**REVERSAL OF PIX RECEIPT-1 (debit, cashout)243REVERSAL OF PIX RECEIPT
011002**SEND PIX SAME OWNERSHIP-1 (debit, cashout)333SEND PIX SAME OWNERSHIP
011003**REVERSAL PIX SAME OWNERSHIP1 (credit, cashin)543PIX IS SENDING SAME TIT.
011004**PIX SHIPPING OTHER OWNERSHIP-1 (debit, cashout)334PIX SHIPPING OTHER OWNERSHIP
011005**REVERSAL PIX OTHER OWNERSHIP1 (credit, cashin)544PIX IS SENDING ANOTHER TIT.
013100INTERNATIONAL WITHDRAWAL-1 (debit, cashout)124INTERNATIONAL WITHDRAWAL
013100INTERNATIONAL WITHDRAWAL1 (debit, cashout)404INTERNATIONAL IOF
013100INTERNATIONAL WITHDRAWAL-1 (debit, cashout)604WITHDRAWAL FEE
013101REVERSAL INTERNATIONAL WITHDRAWAL1 (credit, cashin)510REVERSAL INTERNATIONAL WITHDRAWAL
20CREDIT VOUCHER1 (credit, cashin)203CREDIT VOUCHER
903002UTILITIES PAYMENT1 (credit, cashin)917UTILITIES PAYMENT
904002UTILITIES PAYMENT REVERSAL-1 (debit, cashout)541UTILITIES PAYMENT STATE

* 0 represents a zero balance operation which does not positively or negatively impact any available account balance. For more information about zero balance integrations with a card network, such as Visa and Mastercard, see Zero balance integration.

** These processing codes are only available for accounts utilizing Pix instant payments integration.

Credit full balance

Accounts for credit cards with balance controls within the Pismo platform.

Processing codeProcessing code descriptionBalance impactTransaction typeTransaction type description
219734INTEREST ON REVOLVING CREDIT-1 (debit, cashout)401INTEREST ON REVOLVING CREDIT
219735CAN INTEREST ON REVOLVING CREDIT1 (credit, cashin)451CAN INTEREST ON REVOLVING CREDIT
219736UNDO CANC INTEREST ON REVOLVING CREDIT-1 (debit, cashout)4519INT ON REVOLV CREDIT REV CANC
219737LATE PAYMENT INTEREST-1 (debit, cashout)402LATE PAYMENT INTEREST
219738CAN LATE PAYMENT INTEREST1 (credit, cashin)452CAN LATE PAYMENT INTEREST
219739UNDO CANC LATE PAYMENT INTEREST-1 (debit, cashout)4529LATE PAYMENT INT REV CANC
219740LATE FEE-1 (debit, cashout)403LATE FEE
219741CAN LATE FEE1 (credit, cashin)453CAN LATE FEE
219742UNDO CANC LATE FEE-1 (debit, cashout)4539LATE FEE REV CANC
219743TAXES-1 (debit, cashout)405TAXES
219744CAN TAXES1 (credit, cashin)455CAN TAXES
219745UNDO CANC TAXES-1 (debit, cashout)4559TAXES REV CANC
219746OVERLIMIT FEE-1 (debit, cashout)676OVERLIMIT FEE
219747CAN OVERLIMIT FEE1 (credit, cashin)6769OVERLIMIT FEE REVERSAL
219748UNDO CANC OVERLIMIT FEE-1 (debit, cashout)67699OVERLIMIT FEE REV CANC
219749DEBIT EXCHANGE DIFFERENCE-1 (debit, cashout)408DEBIT EXCHANGE DIFFERENCE
219750CAN DEBIT EXCHANGE DIFFERENCE1 (credit, cashin)4089CAN DEBIT EXCHANGE DIFFERENCE
219751UNDO CANC DEBIT EXCHANGE DIFFERENCE-1 (debit, cashout)40899DEBIT EXC DIFFE REV CANC
219752CREDIT EXCHANGE DIFFERENCE1 (credit, cashin)409CREDIT EXCHANGE DIFFERENCE
219753CAN CREDIT EXCHANGE DIFFERENCE-1 (debit, cashout)4099CREDIT EXCHANGE DIFFE REV
219754UNDO CANC CREDIT EXCHANGE DIFFERENCE1 (credit, cashin)40999UNDO CANC CREDIT EXCHANGE DIFFERENCE
219755ANNUITY-1 (debit, cashout)602ANNUITY
219756CAN ANNUITY1 (credit, cashin)606CAN ANNUITY
219757UNDO CAN ANNUITY-1 (debit, cashout)99602UNDO CAN ANNUITY
00PURCHASE-1 (debit, cashout)101PURCHASE
0001PURCHASE REVERSAL1 (credit, cashin)503PURCHASE REVERSAL
003100INTERNATIONAL PURCHASE-1 (debit, cashout)102INTERNATIONAL PURCHASE
003100INTERNATIONAL PURCHASE-1 (debit, cashout)404INTERNATIONAL IOF
003101INTERNATIONAL PURCHASE REV1 (credit, cashin)508INTERNATIONAL PURCHASE REV
003101INTERNATIONAL PURCHASE REV1 (credit, cashin)509INTERNATIONAL IOF REV
003800INSTALLMENT WITHOUT INTEREST-1 (debit, cashout)111INSTALLMENT WITHOUT INTEREST
003800INSTALLMENT WITHOUT INTEREST-1 (debit, cashout)112INSTALLMENT WITHOUT INTEREST
003801INSTALLMENT WITHOUT INTEREST REV1 (credit, cashin)504INSTALLMENT WITHOUT INTEREST REV
003801INSTALLMENT WITHOUT INTEREST REV1 (credit, cashin)505INSTALLMENT WITHOUT INTEREST REV
004000PAYMENT1 (credit, cashin)201PAYMENT
004990CREDIT BY INSTALLMENTS1 (credit, cashin)701CREDIT BY INSTALLMENTS
004991REFINANCING AGREEMENT1 (credit, cashin)711REFINANCING AGREEMENT
004992COMPULSORY INSTALLMENT CREDIT1 (credit, cashin)721COMPULSORY INSTALLMENT CREDIT
004995CAN CREDIT BY INSTALLMENTS-1 (debit, cashout)705CAN CREDIT BY INSTALLMENTS
004996CAN REFINANCING AGREEMENT-1 (debit, cashout)715CAN REFINANCING AGREEMENT
004997CANC CREDIT COMPULSORY INSTALLMENT-1 (debit, cashout)725CANCEL COMPULSORY INST CREDIT
009100CREDIT ADJUSTMENT1 (credit, cashin)301CREDIT ADJUSTMENT
009200DEBIT ADJUSTMENT-1 (debit, cashout)302DEBIT ADJUSTMENT
01NATIONAL WITHDRAWAL-1 (debit, cashout)123WITHDRAWAL
01NATIONAL WITHDRAWAL-1 (debit, cashout)406WITHDRAWAL IOF
01NATIONAL WITHDRAWAL-1 (debit, cashout)407WITHDRAWAL CHARGES
01NATIONAL WITHDRAWAL-1 (debit, cashout)604WITHDRAWAL FEE
0101NATIONAL WITHDRAWAL REV1 (credit, cashin)512WITHDRAWAL REV
0101NATIONAL WITHDRAWAL REV1 (credit, cashin)9469WITHDRAWAL IOF REV
0101NATIONAL WITHDRAWAL REV1 (credit, cashin)513WITHDRAWAL CHARGES REV
0101NATIONAL WITHDRAWAL REV1 (credit, cashin)9467WITHDRAWAL FEE REV
013100INTERNATIONAL WITHDRAWAL-1 (debit, cashout)124INTERNATIONAL WITHDRAWAL
013100INTERNATIONAL WITHDRAWAL-1 (debit, cashout)404INTERNATIONAL IOF
013100INTERNATIONAL WITHDRAWAL-1 (debit, cashout)604INTERNATIONAL FEE
013101INTERNATIONAL WITHDRAWAL REV1 (credit, cashin)512WITHDRAWAL REV
013101INTERNATIONAL WITHDRAWAL REV1 (credit, cashin)617INTER WITHDRAWAL FEE REV
20CREDIT VOUCHER1 (credit, cashin)203CREDIT VOUCHER

Prepaid full balance

Accounts for prepaid credit cards with balance controls within the Pismo platform.

Processing codeProcessing code descriptionBalance impactTransaction typeTransaction type description
00PURCHASE-1 (debit, cashout)101PURCHASE
0001REFUND PURCHASE1 (credit, cashin)503PURCHASE CANCELLATION
003100INTERNATIONAL PURCHASE-1 (debit, cashout)102INTERNATIONAL PURCHASE
003101INTERNATIONAL PURCHASE REVERSAL1 (credit, cashin)508CANC INTERNATIONAL PURCHASE
003101INTERNATIONAL PURCHASE REVERSAL1 (credit, cashin)509CANC IOF INTERNATIONAL
007000DEBIT TRANSFER-1 (debit, cashout)304DEBIT TRANSFER
007001DEBIT REVERSAL1 (credit, cashin)392DEBIT REVERSAL
007200CREDIT TRANSFER1 (credit, cashin)320CREDIT TRANSFER
007201CREDIT REVERSAL-1 (debit, cashout)391CREDIT REVERSAL
007400TED CASH IN1 (credit, cashin)313TED CASH IN
007401REVERSAL TED CASH IN-1 (debit, cashout)315REVERSAL TED CASH IN
01NATIONAL WITHDRAWAL-1 (debit, cashout)123WITHDRAWAL
01NATIONAL WITHDRAWAL-1 (debit, cashout)406IOF WITHDRAWAL
01NATIONAL WITHDRAWAL-1 (debit, cashout)407WITHDRAWAL CHARGES
01NATIONAL WITHDRAWAL-1 (debit, cashout)604WITHDRAWAL FEE
0101REVERSE NATIONAL WITHDRAWAL1 (credit, cashin)512REVERSAL WITHDRAWAL
0101REVERSE NATIONAL WITHDRAWAL1 (credit, cashin)513REVERSAL WITHDRAWAL CHARGES
0101REVERSE NATIONAL WITHDRAWAL1 (credit, cashin)9467REVERSAL FEE WITHDRAWAL
011000**PIX RECEIPT1 (credit, cashin)242PIX RECEIPT
011001**REVERSAL OF PIX RECEIPT-1 (debit, cashout)243REVERSAL OF PIX RECEIPT
011002**SEND PIX SAME OWNERSHIP-1 (debit, cashout)333SEND PIX SAME OWNERSHIP
011003**REVERSAL PIX SAME OWNERSHIP1 (credit, cashin)543PIX IS SENDING SAME TIT.
011004**PIX SHIPPING OTHER OWNERSHIP-1 (debit, cashout)334PIX SHIPPING OTHER OWNERSHIP
011005**REVERSAL PIX OTHER OWNERSHIP1 (credit, cashin)544PIX IS SENDING ANOTHER TIT.
013100INTERNATIONAL WITHDRAWAL-1 (debit, cashout)124INTERNATIONAL WITHDRAWAL
013100INTERNATIONAL WITHDRAWAL-1 (debit, cashout)404INTERNATIONAL IOF
013101REVERSAL INTERNATIONAL WITHDRAWAL1 (credit, cashin)512REVERSAL WITHDRAWAL
20CREDIT VOUCHER1 (credit, cashin)203CREDIT VOUCHER

** These processing codes are only available for accounts utilizing Pix instant payments integration.

Pix indirect integration

Accounts utilizing Pix instant payments indirect integration.

Processing codeProcessing code descriptionBalance impactTransaction typeTransaction type description
218819PIX PAYMENT-1 (debit, cashout)2232PIX PAYMENT
218820PIX PAYMENT REV1 (credit, cashin)92232PIX PAYMENT REV
218821PIX PAYMENT REV CANC-1 (debit, cashout)992232PIX PAYMENT REV CANC
218822PIX RECEIPT1 (credit, cashin)242PIX RECEIPT
218823PIX RECEIPT REV-1 (debit, cashout)243REVERSAL OF PIX RECEIPT
218824PIX RECEIPT REV CANC1 (credit, cashin)9243UNDO IS RECEIPT OF THE PIX
219794PIX WITHDRAWAL-1 (debit, cashout)7267PIX WITHDRAWAL
219795PIX WITHDRAWAL REV1 (credit, cashin)97267CHARGEBACK - PIX WITHDRAWAL
219796PIX WITHDRAWAL REV CANC-1 (debit, cashout)997267CANC - PIX WITHDRAWAL CHARGEBACK
219797PIX WITHDRAWAL RECEIPT1 (credit, cashin)7268PIX WITHDRAWAL RECEIPT
219798PIX WITHDRAWAL RECEIPT REV-1 (debit, cashout)97268REVERSAL RECEIPT PIX WITHDRAWAL
219799PIX WITHDRAWAL RECEIPT REV CANC1 (credit, cashin)997268CANC REVERSAL RECEIVE PIX WITHDRAWAL
219800PIX CHANGE-1 (debit, cashout)7269PIX CHANGE
219801PIX CHANGE REV1 (credit, cashin)97269CHARGEBACK - PIX EXCHANGE
219802PIX CHANGE REV CANC-1 (debit, cashout)997269CANC - PIX SWAP CHARGEBACK
219803PIX CHANGE RECEIPT1 (credit, cashin)7270PIX EXCHANGE RECEIPT
219804PIX CHANGE RECEIPT REV-1 (debit, cashout)97270REVERSAL RECEIPT PIX EXCHANGE
219805PIX CHANGE RECEIPT REV CANC1 (credit, cashin)997270CANC REVERSAL RECEIVE PIX EXCHANGE

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