Abstract: A merchant advice code system and computer-implemented method for populating a merchant advice code in a payment authorization response message includes a memory device for storing data and a processor communicatively coupled to the memory device. The processor is programmed to receive a payment authorization request message including a primary account number relating to the payment account of a cardholder. The processor is programmed to extract a copy of the primary account number from the payment authorization request message and determine whether the primary account number exists in an automated billing service database. In response to determining that the primary account number exists in the automated billing service database, the processor is programmed to store an indicator in the memory device and populate the merchant advice code in the payment authorization response message with the indicator, thereby generating an edited payment authorization response message.

Abstract: A computer-implemented method for verifying a payment transaction over a payment network. One step of the method includes receiving, from a sender, a transaction message, with the transaction message including a plurality of data element fields, and with at least one of the data element fields being a network-specific field configured to be populated by an interchange network of the payment network. An additional step includes performing a validation routine on the transaction message. The validation routine includes analyzing the network-specific field of the transaction message to determine if the network-specific field is populated with data. A further step includes transmitting a financial transaction denial to the sender if the network-specific field of the transaction message is populated with data.