Visa International Operating Regulations

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Visa International Operating Regulations Membership.................................................................................................................................. 80 General Membership................................................................................................................ 80 Sponsored Member.................................................................................................................. 81 Member Acquisition.................................................................................................................. 81 Quarterly Operating Certificate................................................................................................ 83 Online Submission and Electronic Signature.......................................................................... 85 Acquirer Licensing.................................................................................................................... 86 Agents - Third Party and VisaNet Processors............................................................................ 86 General Agent Requirements.................................................................................................. 86 VisaNet Processor Requirements............................................................................................ 89 Third Party/ISO Requirements................................................................................................. 93 Card Manufacturers and Personalizers................................................................................... 102 Fines Related to Agents.......................................................................................................... 103 Liabilities and Indemnifications.................................................................................................... 104 Members and Agents............................................................................................................... 104 Visa Systems........................................................................................................................... 104 Visa Programs and Products................................................................................................... 105 Chapter 3: The Visa License........................................................................................................ 107 Core Principle 3.1........................................................................................................................ 107 Intellectual Property................................................................................................................. 107 Core Principle 3.2........................................................................................................................ 107 Brand and Licensed Technology............................................................................................. 107 Core Principle 3.3........................................................................................................................ 108 BIN Licensing........................................................................................................................... 108 vi VISA PUBLIC 15 October 2012 © 2012 Visa. All Rights Reserved.
Visa International Operating Regulations Marks License.............................................................................................................................. 108 Marks License Grant................................................................................................................ 108 Sponsorships/Partnerships Including Olympics....................................................................... 110 BIN License and Administration.................................................................................................. 112 License..................................................................................................................................... 112 Administration........................................................................................................................... 113 Sales and Transfers................................................................................................................. 118 Mergers and Acquisitions........................................................................................................ 118 Membership Status.................................................................................................................. 119 BIN Licensee................................................................................................................................ 119 Responsibilities......................................................................................................................... 119 BIN Use........................................................................................................................................ 120 Member Use............................................................................................................................ 120 Merchant Use and Disclosure of BIN Information................................................................... 122 Non-Visa BINs............................................................................................................................. 125 Non-Visa-Assigned BINs.......................................................................................................... 125 Software License......................................................................................................................... 126 Ownership and Confidentiality................................................................................................. 126 Non-Transferability................................................................................................................... 126 Limitations................................................................................................................................ 127 Software Enhancements/Modifications........................................................................................ 128 Enhancements/Modifications.................................................................................................... 128 Use of Visa Systems................................................................................................................... 128 Visa Systems Use.................................................................................................................... 128 15 October 2012 VISA PUBLIC vii © 2012 Visa. All Rights Reserved.
Page 1 and 2: Visa International Operating Regula
Page 3 and 4: Contents Visa International Operati
Page 5: 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 57 and 58:
Visa International Operating Regula
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 65 and 66:
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
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Page 75 and 76:
Effective Date 14 June 2012 Regulat
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Chapter 5: Visa Products and Servic
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Page 101 and 102:
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Page 105 and 106:
Assistance to Other Members Visa In
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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
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Page 117 and 118:
Sponsored Member Visa International
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Page 121 and 122:
Page 123 and 124:
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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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
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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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Page 239 and 240:
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
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 261 and 262:
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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 277 and 278:
Page 279 and 280:
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Visa Electron Cards Visa Electron P
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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#:
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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" -
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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Category Visa Classic Cards 1 Car R
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Page 731 and 732:
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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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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. 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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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
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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
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CPS Transaction - U.S. Region Visa
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• 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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Page 1159 and 1160:
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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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Page 1167 and 1168:
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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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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Page 1187 and 1188:
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
Page 1237 and 1238:
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
Page 1257 and 1258:
Visa Electron Card Visa Internation
Page 1259 and 1260:
Visa Europe Authorization Service V
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Visa Global ATM Program Visa Intern
Page 1263 and 1264:
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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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
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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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