000000001000. It has no decimal point — it's an integer in the currency's minor units (e.g. cents). How much it actually is depends on how many decimals the currency code (DE49) has — the ISO 4217 currency code list gives the minor units for each.
| Raw DE4 | Currency (decimals) | Actual amount |
|---|---|---|
000000001000 | SGD / USD (2) | 10.00 |
000000001000 | JPY (0) | 1000 |
000000001000 | BHD (3) | 1.000 |
Formula: actual = raw ÷ 10decimals. The decimal count comes from the ISO 4217 currency (most are 2; JPY is 0; some Middle-East currencies are 3).
| Currency | Numeric code (DE49) | Decimals | 1234500 means |
|---|---|---|---|
| JPY · yen | 392 | 0 | ¥1,234,500 |
| KRW · won | 410 | 0 | ₩1,234,500 |
| USD / EUR / CNY | 840 / 978 / 156 | 2 | 12,345.00 |
| KWD · Kuwaiti dinar | 414 | 3 | 1,234.500 |
| BHD, JOD, OMR, TND | 048, 400, 512, 788 | 3 | 1,234.500 |
Note DE49 is the numeric ISO 4217 code (392), not the letter code (JPY) — a frequent source of confusion when mapping between a message and an internal system.
Hardcoding amount * 100 is the single most common money bug in card integrations. Send a ¥5,000 purchase that way and the field says 500000 — which, with zero decimals, is ¥500,000. A hundred times too much, and it will authorize.
The mirror image is just as bad: dividing a Kuwaiti dinar amount by 100 under-charges by a factor of ten. Both failures are silent — no error, no validation trip, just a wrong number that reconciliation catches days later.
The fix is boring and reliable: keep a currency → exponent table, drive every conversion off it, and never let a literal 100 appear next to an amount.
It is not only DE4. DE5 (settlement amount), DE6 (cardholder billing amount) and the EMV tag 9F02 (amount, authorised) all use the same minor-unit convention — and DE5/DE6 may be in different currencies than DE4, each with its own exponent, on a cross-border transaction. Check DE49, DE50 and DE51 respectively rather than assuming they match.
👉 The parser tool auto-converts the amount by currency. Related: field reference (DE4/DE49).