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Service Code Decoder
Decode the 3-digit magnetic-stripe service code (ISO 7813) found in Track 1 / Track 2 data — interchange rules, authorisation processing, and PIN/usage restrictions, digit by digit.
Reference — digit meanings
Digit 1 — Interchange & technology
1International interchange — OK
2International interchange — integrated circuit (chip) preferred
5National interchange only (except under bilateral agreement)
6National interchange only — chip preferred (except bilateral agreement)
7No interchange except by bilateral agreement (closed loop / private)
9Test card
Digit 2 — Authorisation processing
0Normal
2Contact issuer via online means
4Contact issuer via online means, except under bilateral agreement
Digit 3 — Allowed services & PIN requirements
0No restrictions — PIN required
1No restrictions
2Goods and services only (no cash)
3ATM only — PIN required
4Cash only
5Goods and services only — PIN required
6No restrictions — prompt for PIN if PED present
7Goods and services only — prompt for PIN if PED present