Visa International Operating Regulations

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Visa International Operating Regulations Stand-In Processing Requirements......................................................................................... 679 Authorization Request Monitoring................................................................................................ 681 Authorization Request Monitoring Requirements.................................................................... 681 Authorization Response Standards............................................................................................. 682 Approval, Referral, and Decline Rate Standards.................................................................... 682 Automated Referral Service......................................................................................................... 684 Automated Referral Service (ARS) - U.S. Region................................................................... 684 Referral Responses..................................................................................................................... 686 Referral Response Requirements............................................................................................ 686 Authorization Reversals, Rejections, and Declines..................................................................... 691 Authorization Reversals and Rejections.................................................................................. 691 Declined Authorizations............................................................................................................... 692 Decline Response Requirements............................................................................................ 692 Allowable Decline and Referral Reasons by Product.............................................................. 693 VisaNet Clearing.......................................................................................................................... 694 VisaNet Clearing - General Requirements.............................................................................. 694 Domestic Interchange.............................................................................................................. 700 Interchange Files and Tapes................................................................................................... 701 Currency Requirements........................................................................................................... 701 ATM Clearing........................................................................................................................... 702 Non-Visa Transaction Processing - U.S. Region.................................................................... 703 Single Message System (SMS)................................................................................................... 703 General Requirements............................................................................................................. 703 Online Financial and Deferred Clearing...................................................................................... 704 xxvi VISA PUBLIC 15 October 2012 © 2012 Visa. All Rights Reserved.
Visa International Operating Regulations Online Financial and Deferred Clearing General Requirements - U.S. Region....................... 704 Online Financial Transactions................................................................................................. 705 Clearing Reversals and Adjustments.......................................................................................... 706 Clearing Reversals................................................................................................................... 706 Adjustments.............................................................................................................................. 708 Duplicate or Erroneous Data....................................................................................................... 709 Duplicate or Erroneous Data Processing Requirements......................................................... 709 Settlement.................................................................................................................................... 712 General Settlement Requirements........................................................................................... 712 Billing and Settlement Currencies........................................................................................... 712 Settlement Account Requirements.......................................................................................... 713 Late Settlement Fee................................................................................................................ 713 Settlement Financial Obligations............................................................................................. 713 National Net Settlement........................................................................................................... 714 Payment to Merchants............................................................................................................. 715 Transaction Receipt Processing.................................................................................................. 716 Transaction Receipt Processing Time Limits.......................................................................... 716 Transaction Receipt Processing - Invalid or Illegible Account Number................................... 720 Original Credit.............................................................................................................................. 721 Original Credit - General......................................................................................................... 721 Money Transfer Original Credit................................................................................................... 723 Money Transfer Original Credit - General............................................................................... 723 Bill Payment................................................................................................................................. 726 Bill Payment Requirements - AP Region................................................................................ 726 15 October 2012 VISA PUBLIC xxvii © 2012 Visa. All Rights Reserved.
Page 1 and 2: Visa International Operating Regula
Page 3 and 4: Contents Visa International Operati
Page 25: Visa International Operating Regula
Page 37 and 38: Summary of Changes Quick Reference
Page 45 and 46: Added or revised the following: Cha
Page 47 and 48: Regulation Changes Added or revised
Page 49 and 50: Effective Date 13 October 2012 Regu
Page 59 and 60: Glossary • Visa Access Token Prog
Page 61 and 62: Effective Date 30 July 2012 Regulat
Page 63 and 64: Chapter 9: Dispute Resolution • C
Page 67 and 68: Refinements to Dispute Resolution R
Page 69 and 70: Chapter 7: Transaction Processing V
Page 71 and 72: • Transaction Receipt Delivery Re
Page 75 and 76: Effective Date 14 June 2012 Regulat
Page 77 and 78:
Visa International Operating Regula
Page 79 and 80:
Chapter 5: Visa Products and Servic
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Page 91 and 92:
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Page 95 and 96:
Page 97 and 98:
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Page 101 and 102:
Page 103 and 104:
Page 105 and 106:
Assistance to Other Members Visa In
Page 107 and 108:
General Fines Schedule (Updated) Vi
Page 109 and 110:
Notification Response Visa Internat
Page 111 and 112:
Page 113 and 114:
Member Obligations Acquirer Respons
Page 115 and 116:
Page 117 and 118:
Sponsored Member Visa International
Page 119 and 120:
Page 121 and 122:
Page 123 and 124:
Page 125 and 126:
Agents Used for Solicitation - U.S.
Page 127 and 128:
VisaNet Processor Independent Audit
Page 129 and 130:
Page 131 and 132:
Member Approval of Third Party Agen
Page 133 and 134:
• Member that caused the loss •
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Page 137 and 138:
Page 139 and 140:
Fines Related to Agents VisaNet Pro
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Page 143 and 144:
Page 145 and 146:
Visa Marks Ownership Acknowledgemen
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Sponsorship Pass-Through Rights Vis
Page 149 and 150:
BIN License Recipients Visa Interna
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Page 153 and 154:
- Six months after the later of: Vi
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Surviving Member Liability Due to M
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Processor BIN Usage Visa Internatio
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Core Principle 4.6 Visa Internation
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V.me by Visa Mark Requirements Visa
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- Bestiality Visa International Ope
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Page 181 and 182:
Use of Marks on Cards Marks Usage R
Page 183 and 184:
Competitive Marks Visa Internationa
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General Card Design Card Design Con
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Page 191 and 192:
Page 193 and 194:
• Fines • Termination of the Af
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Page 207 and 208:
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Promotional Material Merchant Use f
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Merchant Use of Marks A Merchant mu
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Use of Marks on Cards/Decals Visa I
Page 217 and 218:
Interlink Program Marks Visa Intern
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Page 221 and 222:
Page 223 and 224:
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Page 229 and 230:
Page 231 and 232:
Page 233 and 234:
- Manual Cash Disbursement fee - PI
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Page 237 and 238:
Page 239 and 240:
This data may include, but is not l
Page 241 and 242:
Chip Card Issuer Identification Vis
Page 243 and 244:
Insurance Program - U.S. Region Vis
Page 245 and 246:
Cardholder Payments - Canada Region
Page 247 and 248:
Page 249 and 250:
• Be on the front of the Card Vis
Page 251 and 252:
Page 253 and 254:
Chip Card Technology Requirements S
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Page 259 and 260:
Page 261 and 262:
Page 263 and 264:
Region Transactions in EMV Liabilit
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Page 267 and 268:
Page 269 and 270:
Page 271 and 272:
Visa Mini Cards - U.S. Region Visa
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- Visa Consumer Credit Cards - Cons
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Page 277 and 278:
Page 279 and 280:
Page 281 and 282:
Visa Electron Cards Visa Electron P
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Page 285 and 286:
Page 287 and 288:
Page 289 and 290:
Page 291 and 292:
Page 293 and 294:
- Travel accident insurance ID#: 01
Page 295 and 296:
Country India INR 50,000 Visa Inter
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• Merchant name(s) or terminal id
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Visa Prepaid Load Service Visa Inte
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Page 337 and 338:
Page 339 and 340:
Page 341 and 342:
• Vehicle-Specific Fleet Card •
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• Cash Disbursement Transactions
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- ID theft restoration - ID theft i
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Page 371 and 372:
Page 373 and 374:
Visa Fleet Card BIN - U.S. Region V
Page 375 and 376:
- Visa International Operating Regu
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• ATM access • Service level st
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Page 381 and 382:
Global Support Services Visa Intern
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• Emergency message service ID#:
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Page 389 and 390:
Lost or Stolen Card Reporting Lost
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Page 393 and 394:
Page 395 and 396:
Page 397 and 398:
Page 399 and 400:
Page 401 and 402:
• The Client Organization or Card
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Page 405 and 406:
Page 407 and 408:
ATM Operators Visa International Op
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Page 415 and 416:
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• Support "Online PIN" Visa Inter
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• Personal and business financial
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Connecting Directly to Issuer - U.S
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Use of Verified by Visa Mark - U.S.
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Display of Marks Online Acquirer Us
Page 471 and 472:
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• Transaction Acceptance Device R
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Honoring Cards General Acceptance R
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Discount Offer - U.S. Region (Updat
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Honor All Cards - U.S. Region 5.2.B
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Surcharges and Taxes - U.S. Region
Page 511 and 512:
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Airline Authorization Visa Internat
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Page 521 and 522:
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Page 529 and 530:
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Description Retail and T&E Transact
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Transaction Deposits Visa Internati
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• Hotels, motels, and restaurant
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The decision by Visa is final. ID#:
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Website Requirements (Updated) Visa
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Recurring Transactions Visa Interna
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Delayed Delivery Transaction Date V
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Dynamic Currency Conversion Action
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Page 621 and 622:
ATM Transactions Visa International
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The Transaction Receipt must includ
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ATM Transaction Restrictions Visa I
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• Support Partial Authorization V
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Hotel or Cruise Line Cash Disbursem
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• Intended length of stay or voya
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Original Credit - Gambling Credits
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Page 683 and 684:
• Real estate/property taxes ID#:
Page 685 and 686:
Travelers Cheques Visa Internationa
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• The fee rates for services •
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Page 701 and 702:
• By other means approved by Visa
Page 703 and 704:
Authorization Processing Visa Inter
Page 705 and 706:
Issuer Authorization Requirements V
Page 707 and 708:
Visa recommends that the Issuer: Vi
Page 709 and 710:
- 7230, "Beauty and Barber Shops" -
Page 711 and 712:
Visa Transaction Approval If Visa a
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Page 715 and 716:
Stand-In Processing (STIP) Stand-In
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Page 719 and 720:
Category Visa Classic Cards 1 Car R
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Page 723 and 724:
Page 725 and 726:
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Page 729 and 730:
Page 731 and 732:
Reimbursement for Valid Transaction
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Page 735 and 736:
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Page 739 and 740:
Page 741 and 742:
• In a Card-Absent Environment ID
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Page 749 and 750:
Settlement Account Requirements Vis
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VisaNet Processor Contingency Plans
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Visa Anti-Bribery Program Visa Inte
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Chargeback Activity Fines - U.S. Re
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5. Acquirer fails to take action on
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Brand Protection Global Brand Prote
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• Any other supporting documentat
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Recovered Card Rewards Reward for R
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GCAR Qualification (Updated) Visa I
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Data Compromise Fraud Loss Recovery
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Triple DES Visa International Opera
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Page 863 and 864:
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Page 869 and 870:
Mutual Assistance Mutual Assistance
Page 871 and 872:
Page 873 and 874:
Request and Fulfillment Visa Intern
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Document Type Transaction Type Visa
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Page 907 and 908:
Page 909 and 910:
Chargeback Time Limit - Reason Code
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Page 913 and 914:
Page 915 and 916:
a. Close the Cardholder account Vis
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Page 921 and 922:
Page 923 and 924:
. Transaction is Counterfeit 3. All
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Chargeback Time Limits - Reason Cod
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a. DCC -- CARDHOLDER NOT ADVISED Vi
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a. For Chargeback Condition 1: Visa
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a. TRAN AMT XXXX NOT XXXX b. ERROR
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3. Acquirer can remedy the Chargeba
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. AUTHENTICATION DENIAL Visa Intern
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General Interchange Requirements Vi
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ID#: 010410-010410-0008986 Visa Int
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- Applicable VisaNet Manuals Visa I
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Page 1041 and 1042:
Page 1043 and 1044:
Transaction Type Visa International
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• CPS/Retail Performance Threshol
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Fee Recovered Visa Card, or Visa El
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Fee Interchange Reimbursement Fee p
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Page 1079 and 1080:
Appendices Floor Limits Maximum Aut
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Glossary Terms and Definitions 0-9
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Account Funding Transaction Visa In
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Acquirer Chip Rate Visa Internation
Page 1087 and 1088:
Activity File (Updated) Visa Intern
Page 1089 and 1090:
Advance Payment Service - U.S. Regi
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Page 1093 and 1094:
Page 1095 and 1096:
Approval Response Visa Internationa
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ATM Cash Disbursement Visa Internat
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Page 1103 and 1104:
B Balance Inquiry Visa Internationa
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Bill Payment Transaction - U.S. Reg
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Page 1109 and 1110:
Card Personalization - U.S. Region
Page 1111 and 1112:
• Card is not present ID#: 010410
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Cash Disbursement Visa Internationa
Page 1115 and 1116:
• Visa Members ID#: 010410-010410
Page 1117 and 1118:
Classic Visa Check Card - U.S. Regi
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Collision/Loss Damage Waiver Visa I
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Compelling Evidence (New) Visa Inte
Page 1123 and 1124:
Compromised Entity Visa Internation
Page 1125 and 1126:
Convenience Fee - U.S. Region Visa
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CPS Transaction - U.S. Region Visa
Page 1129 and 1130:
• CPS/e-Commerce Preferred Retail
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Page 1133 and 1134:
Page 1135 and 1136:
Data Compromise Recovery Visa Inter
Page 1137 and 1138:
Delayed Delivery Transaction Visa I
Page 1139 and 1140:
Domestic Interchange Interchange of
Page 1141 and 1142:
Page 1143 and 1144:
Page 1145 and 1146:
Emergency Service Location Visa Int
Page 1147 and 1148:
Page 1149 and 1150:
• Cardholder is present Visa Inte
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Fleet Service Visa International Op
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Full Data Transaction - Canada Regi
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Page 1157 and 1158:
Page 1159 and 1160:
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ID Score Plus - U.S. Region Visa In
Page 1163 and 1164:
Input Date Visa International Opera
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International Automated Referral Se
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Issuer Visa International Operating
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Level II Enhanced Data - U.S. Regio
Page 1173 and 1174:
Load Transaction Receipt Visa Inter
Page 1175 and 1176:
Page 1177 and 1178:
Member Visa International Operating
Page 1179 and 1180:
Merchant Outlet Either: Visa Intern
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Page 1183 and 1184:
National Organization Visa Internat
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Notification Visa International Ope
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Order Form - U.S. Region Visa Inter
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Participant-Type Member Visa Intern
Page 1195 and 1196:
Peak Time - U.S. Region Visa Intern
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Page 1199 and 1200:
Plus Logotype The Plus Wordmark dep
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Point-of-Sale Balance Inquiry (Upda
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• Unattended Cardholder-Activated
Page 1205 and 1206:
Page 1207 and 1208:
Principal-Type Member Visa Internat
Page 1209 and 1210:
Processing Date Visa International
Page 1211 and 1212:
Public Keys Visa International Oper
Page 1213 and 1214:
R Real-Time Clearing Visa Internati
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Referral Response Visa Internationa
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Research Service - U.S. Region Visa
Page 1219 and 1220:
• File Proof User's Manual ID#: 1
Page 1221 and 1222:
Settlement Amount Visa Internationa
Page 1223 and 1224:
Special Condition Indicator - U.S.
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• Visa Infinite Card Transaction
Page 1227 and 1228:
T T&E An abbreviation for Travel an
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T&E Transaction A Transaction at a
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Three-Domain Secure Visa Internatio
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Transaction Date Visa International
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Unable-to-Authenticate Response Vis
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Unrecognized Service Code Visa Inte
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V.I.P. System Visa International Op
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VERes (Updated) Visa International
Page 1243 and 1244:
Visa Access Token Program (New) Vis
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Visa Billing Statement - U.S. Regio
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Visa Buxx - U.S. Region Visa Intern
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• Reloadable Card ID#: 111011-010
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• Visa Business Card • Visa Bus
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Page 1255 and 1256:
• Visa Debit Card • Visa Busine
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Visa Electron Card Visa Internation
Page 1259 and 1260:
Visa Europe Authorization Service V
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Visa Global ATM Program Visa Intern
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Visa Incentive Card Visa Internatio
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Visa IntelliLink Compliance Managem
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Visa Issuer A Member that issues Vi
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Page 1271 and 1272:
Visa Online Visa International Oper
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Page 1275 and 1276:
Visa Program Visa International Ope
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Visa Signature Preferred - U.S. Reg
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Page 1283 and 1284:
VisaNet Manuals (New) A suite of do
Page 1285 and 1286:
W Waiver Visa International Operati
Page 1287:
Z Zero Floor Limit Visa Internation
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Visa International Operating Regulations

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