Visa International Operating Regulations

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Effective Date 20 April 2013 Regulation Changes Added or revised the following: Chapter 9: Dispute Resolution • Additional Information - Reason Code 75 • Additional Information - Reason Code 83 Visa International Operating Regulations • Chargeback Processing Requirements - Reason Code 75 • Chargeback Rights and Limitations - Reason Code 75 • Chargeback Rights and Limitations - Reason Code 81 • Chargeback Rights and Limitations - Reason Code 83 • Copy of Transaction Receipt for Legal Proceeding, Law Enforcement Investigation, or Issuer Investigation • Documentation - Reason Code 81 • Invalid Chargebacks - Reason Code 75 • Invalid Chargebacks - Reason Code 81 • Overview - Reason Code 81 • Representment Conditions - Reason Code 83 • Representment Processing Requirements - Reason Code 83 • Representment Rights and Limitations - Reason Code 75 • Representment Rights and Limitations - Reason Code 81 ID#: 151012-010100-0027418 Dispute Resolution Refinements Background Revisions have been made to the Operating Regulations to align, clarify and streamline the dispute resolution rule language. Effective Date 13 October 2012 Regulation Changes 8 VISA PUBLIC 15 October 2012 © 2012 Visa. All Rights Reserved.
Added or revised the following: Chapter 6: Payment Acceptance • Hotel Reservation Room Hold Chapter 9: Dispute Resolution • Topic: Reason Codes • Accepting Financial Liability for Pre-Arbitration • Arbitration and Compliance Committee Decision • Arbitration Appeal Filing Fee • Arbitration Description • Arbitration Filing Authority • Arbitration Filing Reasons • Arbitration Financial Liability • Calculation of Chargeback Time Limit • Calculation of Representment Time Limit • Compliance Appeal Filing Fee • Compliance Filing Procedures • Compliance Financial Liability • Compliance Time Limits • Group Member Filing Time Limit Visa International Operating Regulations • Illegible Fulfillment - Unable to Provide Legible Transaction Receipt Copy • Member Exceptions Due to Visa System Problems During the Dispute Process • Non-Acceptance of Financial Liability for Pre-Compliance • Opposing Member's Response to Arbitration Case • Opposing Member's Response to Compliance Case • Pre-Arbitration Conditions • Pre-Arbitration Response - ATM Disputes • Pre-Compliance Attempt • Representment Documentation • Requesting Member's Response of Compliance Case • Requesting Member's Response to Arbitration Case • Required Documentation for Arbitration • Required Documentation for Compliance • Retrieval Request Requirements 15 October 2012 VISA PUBLIC 9 © 2012 Visa. All Rights Reserved.
Page 1 and 2: Visa International Operating Regula
Page 3 and 4: Contents Visa International Operati
Page 37 and 38: Summary of Changes Quick Reference
Page 43: Visa International Operating Regula
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 95 and 96:
Visa International Operating Regula
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Page 99 and 100:
Page 101 and 102:
Page 103 and 104:
Page 105 and 106:
Assistance to Other Members Visa In
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General Fines Schedule (Updated) Vi
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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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Member Approval of Third Party Agen
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• Member that caused the loss •
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Fines Related to Agents VisaNet Pro
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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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- 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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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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This data may include, but is not l
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Chip Card Issuer Identification Vis
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Insurance Program - U.S. Region Vis
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Cardholder Payments - Canada Region
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• Be on the front of the Card Vis
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Chip Card Technology Requirements S
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Region Transactions in EMV Liabilit
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Visa Mini Cards - U.S. Region Visa
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- Visa Consumer Credit Cards - Cons
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Visa Electron Cards Visa Electron P
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- 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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Global Support Services Visa Intern
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• Emergency message service ID#:
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Lost or Stolen Card Reporting Lost
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• 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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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
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Authorization Processing Visa Inter
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Issuer Authorization Requirements V
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Visa recommends that the Issuer: Vi
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- 7230, "Beauty and Barber Shops" -
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Visa Transaction Approval If Visa a
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Stand-In Processing (STIP) Stand-In
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Category Visa Classic Cards 1 Car R
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Reimbursement for Valid Transaction
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• 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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Data Compromise Fraud Loss Recovery
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Triple DES Visa International Opera
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Mutual Assistance Mutual Assistance
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Request and Fulfillment Visa Intern
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Document Type Transaction Type Visa
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Chargeback Time Limit - Reason Code
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a. Close the Cardholder account Vis
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. 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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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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Approval Response Visa Internationa
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ATM Cash Disbursement Visa Internat
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B Balance Inquiry Visa Internationa
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Bill Payment Transaction - U.S. Reg
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Card Personalization - U.S. Region
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• Card is not present ID#: 010410
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Cash Disbursement Visa Internationa
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• Visa Members ID#: 010410-010410
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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
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Compromised Entity Visa Internation
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Convenience Fee - U.S. Region Visa
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CPS Transaction - U.S. Region Visa
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• CPS/e-Commerce Preferred Retail
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Data Compromise Recovery Visa Inter
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Delayed Delivery Transaction Visa I
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Domestic Interchange Interchange of
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Emergency Service Location Visa Int
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• 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
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Level II Enhanced Data - U.S. Regio
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Load Transaction Receipt Visa Inter
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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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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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Principal-Type Member Visa Internat
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Processing Date Visa International
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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
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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
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• Reloadable Card ID#: 111011-010
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• Visa Business Card • Visa Bus
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• 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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Visa Online Visa International Oper
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Visa Program Visa International Ope
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Visa Signature Preferred - U.S. Reg
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VisaNet Manuals (New) A suite of do
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W Waiver Visa International Operati
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Z Zero Floor Limit Visa Internation
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Visa International Operating Regulations

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