Why our transaction is settled in SMS when our BIN is DMS?
Settlement in the BCS-RuPay system takes place on the basis of BIN Type (Message Type Identifier (MTI)) received from the acquirer at the time of authorization hence you are seeing the transaction for this BIN getting settled as SMS at times as the MTI received in the authorization packet triggered by the acquirer carries SMS (MTI (02)) in place of DMS (MTI (01)). Acquiring members are requested to ensure alignment of the MTI at the time of transaction origination with that to the BIN file provided to the members on all clearing life cycles.