Visa International Operating Regulations

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Visa International Operating Regulations Reason Code 82 Duplicate Processing................................................................................... 939 Reason Code 83 Fraud—Card-Absent Environment.............................................................. 942 Reason Code 85 Credit Not Processed.................................................................................. 954 Reason Code 86 Paid by Other Means.................................................................................. 960 Reason Code 90 Non-Receipt of Cash or Load Transaction Value at ATM or Load Device... 963 Reason Code 93 Merchant Fraud Performance Program....................................................... 965 Arbitration..................................................................................................................................... 967 Arbitration Process................................................................................................................... 967 Filing for Arbitration.................................................................................................................. 970 Arbitration Appeal..................................................................................................................... 974 Compliance.................................................................................................................................. 975 Compliance Process................................................................................................................ 975 Compliance Filing Conditions.................................................................................................. 975 Pre-Compliance for Violations................................................................................................. 976 Compliance for Violations........................................................................................................ 977 Filing for Compliance............................................................................................................... 982 Compliance Appeal Rights...................................................................................................... 987 Interchange Reimbursement Fee Compliance............................................................................ 988 Filing Conditions....................................................................................................................... 988 Interchange Reimbursement Fee Compliance Screening and Filing...................................... 989 IRF Pre-Compliance................................................................................................................. 990 IRF Compliance Process......................................................................................................... 990 IRF Compliance Appeal........................................................................................................... 991 Intercompany Interchange Reimbursement Fee Compliance .................................................... 992 xxxii VISA PUBLIC 15 October 2012 © 2012 Visa. All Rights Reserved.
Visa International Operating Regulations Intercompany Interchange Reimbursement Fee Compliance Process.................................... 992 Chapter 10: Pricing, Fees and Interchange................................................................................ 993 Core Principle 10.1...................................................................................................................... 993 Fees for Access and Use of Visa Products and Services....................................................... 993 Core Principle 10.2...................................................................................................................... 993 Participants Pay or Receive Interchange for Transactions..................................................... 993 Core Principle 10.3...................................................................................................................... 994 Visa Determines Interchange Reimbursement Fees............................................................... 994 Global Interchange....................................................................................................................... 994 Interchange Overview.............................................................................................................. 994 General Interchange Requirements......................................................................................... 995 Interchange Reimbursement Fees - U.S. Region....................................................................... 996 General Interchange Reimbursement Fee Requirements - U.S. Region................................ 996 Standard and Electronic Interchange Reimbursement Fees - U.S. Region............................ 997 Custom Payment Services (CPS) - U.S. Region........................................................................ 1000 Custom Payment Services General - U.S. Region................................................................. 1000 CPS/Automated Fuel Dispenser - U.S. Region.......................................................................1009 CPS/Hotel and Car Rental - Card Not Present and Card Present - U.S. Region.................... 1010 CPS/Supermarket - U.S. Region............................................................................................. 1011 CPS/Rewards - U.S. Region................................................................................................... 1012 CPS/Small Ticket - U.S. Region..............................................................................................1014 Industry-Specific Merchant Programs - U.S. Region...................................................................1014 Industry-Specific Merchant Program Requirements - U.S. Region......................................... 1014 Interchange Reimbursement Fee Programs - U.S. Region.........................................................1018 15 October 2012 VISA PUBLIC xxxiii © 2012 Visa. All Rights Reserved.
Page 1 and 2: Visa International Operating Regula
Page 3 and 4: Contents Visa International Operati
Page 31: 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 79 and 80: Chapter 5: Visa Products and Servic
Page 83 and 84:
Visa International Operating Regula
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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
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Page 113 and 114:
Member Obligations Acquirer Respons
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Page 117 and 118:
Sponsored Member Visa International
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Page 121 and 122:
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Page 125 and 126:
Agents Used for Solicitation - U.S.
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VisaNet Processor Independent Audit
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Page 131 and 132:
Member Approval of Third Party Agen
Page 133 and 134:
• Member that caused the loss •
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Fines Related to Agents VisaNet Pro
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Page 145 and 146:
Visa Marks Ownership Acknowledgemen
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Sponsorship Pass-Through Rights Vis
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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
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Competitive Marks Visa Internationa
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General Card Design Card Design Con
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• Fines • Termination of the Af
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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
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Interlink Program Marks Visa Intern
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- Manual Cash Disbursement fee - PI
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Page 239 and 240:
This data may include, but is not l
Page 241 and 242:
Chip Card Issuer Identification Vis
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Insurance Program - U.S. Region Vis
Page 245 and 246:
Cardholder Payments - Canada Region
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Page 249 and 250:
• Be on the front of the Card Vis
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Page 253 and 254:
Chip Card Technology Requirements S
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Page 263 and 264:
Region Transactions in EMV Liabilit
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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 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:
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Page 291 and 292:
Page 293 and 294:
- Travel accident insurance ID#: 01
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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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• 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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Visa Fleet Card BIN - U.S. Region V
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- 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#:
Page 385 and 386:
Page 387 and 388:
Page 389 and 390:
Lost or Stolen Card Reporting Lost
Page 391 and 392:
Page 393 and 394:
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Page 397 and 398:
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Page 401 and 402:
• The Client Organization or Card
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ATM Operators Visa International Op
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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
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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
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Airline Authorization Visa Internat
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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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• Real estate/property taxes ID#:
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Travelers Cheques Visa Internationa
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• The fee rates for services •
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• By other means approved by Visa
Page 703 and 704:
Authorization Processing Visa Inter
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Issuer Authorization Requirements V
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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
Page 717 and 718:
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 739 and 740:
Page 741 and 742:
• In a Card-Absent Environment ID
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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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Page 849 and 850:
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Data Compromise Fraud Loss Recovery
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Triple DES Visa International Opera
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Page 869 and 870:
Mutual Assistance Mutual Assistance
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Page 873 and 874:
Request and Fulfillment Visa Intern
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Document Type Transaction Type Visa
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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:
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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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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
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Activity File (Updated) Visa Intern
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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
Page 1113 and 1114:
Cash Disbursement Visa Internationa
Page 1115 and 1116:
• Visa Members ID#: 010410-010410
Page 1117 and 1118:
Classic Visa Check Card - U.S. Regi
Page 1119 and 1120:
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
Page 1127 and 1128:
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
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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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ID Score Plus - U.S. Region Visa In
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Input Date Visa International Opera
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International Automated Referral Se
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Issuer Visa International Operating
Page 1171 and 1172:
Level II Enhanced Data - U.S. Regio
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Load Transaction Receipt Visa Inter
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Page 1177 and 1178:
Member Visa International Operating
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Merchant Outlet Either: Visa Intern
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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
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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
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Page 1207 and 1208:
Principal-Type Member Visa Internat
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Processing Date Visa International
Page 1211 and 1212:
Public Keys Visa International Oper
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R Real-Time Clearing Visa Internati
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Referral Response Visa Internationa
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Research Service - U.S. Region Visa
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• File Proof User's Manual ID#: 1
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Settlement Amount Visa Internationa
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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
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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
Page 1249 and 1250:
• 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
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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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