All Tools
Tools/IPM & CTF Decoder
📄
SWIFT & ClearingBeta
IPM & CTF Decoder
Parse and inspect Mastercard IPM and Visa CTF clearing file headers — decode message type indicators, bitmaps, and record structure.
Mastercard IPM
Mastercard Integrated Product Message clearing file. Uses EBCDIC encoding, ISO 8583 message format, and proprietary DE62/DE63 fields for network data.
File extension: .ipm / .ipmeIPM File Structure
IPM file structure: ┌─────────────────────────────────────────────────────┐ │ Header Record (MTI 1644) │ │ ├─ File Control Record │ │ │ ├─ DE24: Function Code (700=File Header) │ │ │ └─ DE101: File Name (e.g. MASTERCARD.IPM) │ ├──────────────────────────────────────────────────────┤ │ Detail Records (MTI 1240) ×N transactions │ │ ├─ DE2: PAN │ │ ├─ DE4: Amount │ │ ├─ DE37: Retrieval Ref Number │ │ ├─ DE49: Currency Code │ │ └─ DE55: ICC/EMV Data │ ├──────────────────────────────────────────────────────┤ │ Trailer Record (MTI 1644) │ │ ├─ DE24: Function Code (705=File Trailer) │ │ └─ Totals │ └─────────────────────────────────────────────────────┘
Key Data Elements in IPM Records
DE2PANDE3Processing CodeDE4Transaction AmountDE6Cardholder Billing AmountDE7Transmission Date/TimeDE9Conversion Rate SettlementDE10Conversion Rate Cardholder BillingDE12Local Transaction TimeDE13Local Transaction DateDE14Expiration DateDE22POS Entry ModeDE23PAN Sequence NumberDE24Function CodeDE25Message Reason CodeDE26Card Acceptor Business Code (MCC)DE30Original AmountDE31Acquirer Reference DataDE32Acquiring Institution IDDE33Forwarding Institution IDDE37Retrieval Reference NumberDE38Authorization ID ResponseDE39Response CodeDE41Card Acceptor Terminal IDDE42Card Acceptor IDDE43Card Acceptor Name/LocationDE48Additional DataDE49Currency Code TransactionDE50Currency Code SettlementDE51Currency Code Cardholder BillingDE55ICC DataDE56Mastercard ReservedDE57Mastercard Reserved 2DE63Transaction Life Cycle IDDE90Original Data ElementsDE95Replacement AmountsDE100Receiving Institution IDDE101File NameDE102Account ID 1DE103Account ID 2