Solution #1 is to Go Opaque on the field and handle the parsing it yourself
in a piece of code you write. We do that on some squirrely fields.
Solution #2 is come up with a derivative of the EuroSubFieldPackager. It
looks like yours, except its sub-element IDs are 2 bytes (PDS 01 - 99), not
four like yours (and you don't need a TCC placeholder).
Note classes used here are IFMC_LLCHAR:
<isofieldpackager
id="48"
length="999"
name="EUROPAY FIELD 48"
class="org.jpos.iso.IFA_LLLBINARY"
packager="org.jpos.iso.packager.EuroSubFieldPackager">
<isofield
id="0"
length="1"
name="PLACEHOLDER"
class="org.jpos.iso.IF_CHAR"/>
<isofield
id="1"
length="18"
name="Field 48 - PDS01"
class="org.jpos.iso.IFMC_LLCHAR"/>
<isofield
id="2"
length="4"
name="Field 48 - PDS02"
class="org.jpos.iso.IFMC_LLCHAR"/>
[snip]
Andy