Visa International Operating Regulations v2

Visa International
Operating Regulations
Volume II — Dispute Resolution Rules
15 November 2008
**VISA PUBLIC**
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15 November 2008 **VISA PUBLIC** Visa International Operating Regulations, Volume II—Dispute Resolution Rules
About the Operating Regulations
The Visa Operating Regulations consist of the Visa International and Regional Operating
Regulations, and govern the relationship between Visa and its Members. The Visa Operating
Regulations do not constitute a third-party beneficiary contract as to any entity or person, nor
do they constitute a contract, promise or representation, or confer any rights, privileges, or
claims of any kind, as to any third parties. Visa reserves the right to amend, modify, delete
or otherwise change the Visa Operating Regulations at any time, and such changes, if
made after the publication date noted in this version of the Visa Operating Regulations
(15 November 2008), will not appear in this manual. The contents of this manual will be
updated in accordance with the normal publication cycle of the Visa Operating Regulations.
In the event of any discrepancy between the text in this manual and the Visa Operating
Regulations, the text contained in the Visa Operating Regulations takes precedence.
The Regional Operating Regulations each apply only to the operations of Members within
each respective Region (e.g., the Visa USA Inc. Operating Regulations only apply to a
Member’s operations in the U.S. region). In addition, please note that Visa Europe is a
separate entity that is an exclusive licensee of Visa Inc.’s trademarks and technology in the
European region and, as such, members of Visa Europe are governed by the Operating
Regulations of Visa Europe.
Purpose of this Manual

As a newly global, public company, Visa is increasing transparency to provide all stakeholders
with a better understanding of our business. Visa believes public disclosure of our Operating
Regulations will not only help demonstrate the complexity of our industry, but also the
consideration Visa takes in balancing the interests of financial institutions, merchants and
consumers, while maintaining strict compliance with the diverse regulatory requirements
throughout the world.
Other Notices
Although the Visa Operating Regulations govern only our Members’ participation in the
VisaNet payments systems, we recognize the broader community’s interest in understanding
our rules. In order to safeguard the security of our cardholders and merchants and the integrity
of the Visa system, we have omitted certain proprietary and competitive information from this
manual.
As such, a reader of this manual may observe non-sequential section numbering, and
information that may seem out of context or incomplete regarding the subject addressed.
Visa makes no representations or warranties as to the accuracy or completeness of the text
contained in this manual. In addition, the Visa Operating Regulations refer to certain
confidential and technical publications and associated materials published by Visa which
explain certain system functions and product or service requirements related to the day-to-day
operations of the VisaNet systems. These publications are considered extensions of the Visa
Operating Regulations and apply if a Member participates in a specific service governed by
their relationship with Visa.
If you have questions about the Visa Operating Regulations, or need additional information
that is not contained in these materials, please visit www.corporate.visa.com.
15 November 2008 **VISA PUBLIC** Visa International Operating Regulations, Volume II—Dispute Resolution Rules i
About the Operating Regulations
Trademarks
Trademark notices and symbols used in this manual reflect the registration status of
Visa trademarks in the United States.
These materials are of a proprietary nature and should not be copied or distributed without
written permission of Visa.
© 2008 Visa. All Rights Reserved.
ii 15 November 2008 **VISA PUBLIC** Visa International Operating Regulations, Volume II—Dispute Resolution Rules
Table of Contents
Chapter 1: Transaction Receipt Retrieval, Chargebacks, and
Representments
1.1 INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
1.2 MUTUAL ASSISTANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
1.3 TRANSACTION RECEIPT RETRIEVAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
1.3.A Request for Transaction Receipt Copy 1
1.3.B Transaction Receipt Retention 2
1.3.C Transaction Receipt Request and Fulfillment Data 2
1.3.C.1 Minimum Data Requirements 2
1.3.C.2 Transaction Fulfillment Document Requirements—Small Ticket
Transaction, 3
1.3.C.3 Transaction Receipt Fulfillment Documents—Data Requirements 3
1.3.D VisaNet Copy Request and Fulfillment Service 6
1.3.D.1 Acquirer Responsibilities 6
1.3.D.2 Issuer Rights 7
1.3.E Acquirer Discrepancy Notification 7
1.3.E.1 Request Discrepancy or Data Omission 7
1.3.E.2 Issuer Responsibilities 7
1.3.F Retrieval Fees 7
1.3.F.1 Fees 7
1.3.F.2 Fee Recovery 7
1.4 CHARGEBACKS AND REPRESENTMENTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
1.4.A Chargeback and Representment Process 8
1.4.B Chargeback and Representment Transmission 8
1.4.B.1 Clearing and Settlement 8
1.4.B.2 Documentation 8
1.4.C Chargeback Reduction Service 9
1.4.C.1 Overview 9
1.4.C.2 Return of BASE II Presentment 9
1.4.C.3 Return of Chargeback 9
1.4.D Chargeback 9
1.4.D.1 Attempt to Settle 9
1.4.D.2 Chargeback Dispute Groups and Time Limits 10
1.4.D.3 Reasons and Time Limits for Specific Transaction Types 13
1.4.D.4 Chargeback Time Limits 15
1.4.D.5 Transaction Chargeback Method 15
1.4.E Processing Requirements 16
1.4.E.1 Chargeback Documentation 16
1.4.E.2 Chargeback Amount 16
1.4.E.3 Currency Conversion 16
15 November 2008 **VISA PUBLIC** Visa International Operating Regulations, Volume II—Dispute Resolution Rules iii
Table of Contents
1.5 REPRESENTMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
1.5.A Representment Reasons, Conditions, and Time Limits 17
1.5.A.1 Representment Documentation Requirements 18
1.5.A.2 Representment Amount 18
1.5.B Currency Conversion Difference 18
1.6 CHARGEBACK REASON CODES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
Chapter 2: Arbitration
2.1 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 195
2.1.A Reason 195
2.1.B Pre-Arbitration Conditions 195
2.1.B.1 Pre-Arbitration Attempt 195
2.1.B.2 Pre-Arbitration Response 195
2.1.B.3 Pre-Arbitration Acceptance or Rebuttal 196
2.1.C Arbitration Process 196
2.1.C.1 Filing Reasons 196
2.1.C.2 Filing Procedures 196
2.1.C.3 Invalid Request 197
2.1.C.4 Valid Request 198
2.1.C.5 Appeal Rights 199
2.1.C.6 Appeal Filing Fee 200
2.1.C.7 Finality of Decision on Appeal 200
Chapter 3: Compliance
3.1 COMPLIANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 201
3.2 FILING CONDITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 201
3.3 INTERCHANGE REIMBURSEMENT FEE COMPLIANCE
(EFFECTIVE 1 JULY 2008) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 201
3.4 PRE-COMPLIANCE CONDITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 202
3.4.A Pre-Compliance Attempt 202
3.4.B Data Compromise Recovery 202
3.4.C Pre-Compliance Acceptance or Rebuttal 202
3.4.C.1 Pre-Compliance Acceptance 202
3.4.C.2 Pre-Compliance Rebuttal 202
3.4.C.3 Pre-Compliance Response 202
3.5 COMPLIANCE PROCESS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 203
3.5.A Filing Reasons 203
3.5.A.1 Chargeback Reduction Service Return 203
3.5.A.2 Hotel Reservation Service or Specialized Vehicle
Reservation Service Transaction 203
3.5.A.5 Copy Fulfillment 203
3.5.A.6 Delayed or Amended Charges 204
3.5.A.7 Timeshare Transactions 204
3.5.A.8 Card Acceptance Violations 204
iv 15 November 2008 **VISA PUBLIC** Visa International Operating Regulations, Volume II—Dispute Resolution Rules
3.5.A.9 Non-Card 204
3.5.A.10 Electronic Commerce Transaction (Attempts Authentication) 204
3.5.A.11 Account Generated Counterfeit Fraud 205
3.5.B Filing Procedures 205
3.5.B.1 Filing Authority 205
3.5.B.2 Time Limits 206
3.5.B.3 Required Documentation 206
3.5.B.4 Filing Fee 207
3.5.B.5 Notification 207
3.5.C Invalid Request 207
3.5.C.1 Group Member 207
3.5.C.2 Visa 207
3.5.D Valid Request 207
3.5.D.1 Visa Notification 207
3.5.D.2 Opposing Member’s Response 207
3.5.D.3 Requesting Member’s Withdrawal 208
3.5.D.4 Visa Compliance Decision 208
3.5.D.5 Financial Liability 208
3.5.E Appeal Rights 209
3.5.E.1 Appeal Amount 209
3.5.E.2 Time Limits 209
3.5.E.3 Appeal Filing Fee 209
3.5.E.4 Finality of Decision on Appeal 209
Chapter 4: Interchange Reimbursement Fee Compliance,

Effective 1 July 2008
4.1 INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .211
4.2 FILING CONDITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .211
4.2.A Eligibility Criteria 212
4.2.B Transaction Aggregation Criteria 212
4.2.C Transaction Aggregation Limit 212
4.3 INTERCHANGE REIMBURSEMENT FEE COMPLIANCE GENERAL
REQUIREMENTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .212
4.3.A Interchange Reimbursement Fee Compliance Screening 212
4.3.A.1 Correspondence 213
4.3.A.2 Filing Period 213
4.3.A.3 Certification 213
4.3.A.4 Visa Interchange Reimbursement Fee Compliance
Screening Decision 214
4.3.A.5 Invalid Requests—Compliance Screening 214
4.3.A.6 Re-submitting an Interchange Reimbursement Fee
Compliance Request 215
4.3.A.7 Fees 215
15 November 2008 **VISA PUBLIC** Visa International Operating Regulations, Volume II—Dispute Resolution Rules v
Table of Contents
4.3.B Interchange Reimbursement Fee Pre-Compliance 215

4.3.B.1 Attempt to Resolve 215
4.3.B.2 Delivery of Pre-Compliance Documentation 216
4.3.B.3 Time Limit 216
4.3.C Pre-Compliance Acceptance 217
4.3.D Filing Compliance 217
4.4 INTERCHANGE REIMBURSEMENT FEE COMPLIANCE PROCESS . . . . . . . . . . . 217
4.4.A Filing Reasons 217
4.4.B Filing Procedures 217
4.4.B.1 Required Documentation 217
4.4.B.2 Filing Time Limits 217
4.4.B.3 Delivery 218
4.4.B.4 Review Fee 218
4.4.C Invalid Requests—Compliance Process 218
4.4.D Compliance Filing Withdrawal 218
4.4.E Visa Interchange Reimbursement Fee Compliance Decision 218
4.4.E.1 Visa Review 218
4.4.E.2 Financial Liability 219
4.4.E.3 Collection and Settlement 219
4.4.E.4 Exchange Rate Risk 219
4.4.F Appeal Rights 219
4.4.F.1 Time Limits 219
4.4.F.2 Appeal Fee 220
4.4.F.3 Appeal Decision 220
Appendix B—Merchant Data Standards

Appendix D—Defined Terms
vi 15 November 2008 **VISA PUBLIC** Visa International Operating Regulations, Volume II—Dispute Resolution Rules
1 Transaction Receipt Retrieval,
Chargebacks, and Representments
1.1 INTRODUCTION
This chapter governs the Transaction Receipt retrieval process. It also governs the Chargeback
and Representment process.
1.2 MUTUAL ASSISTANCE

A Member must attempt to offer mutual assistance to other Members to resolve disputes between
both:
• Its Cardholder and another Member’s Merchant
• Its Merchant and another Member’s Cardholder
If a Cardholder or Merchant accepts financial liability for a Transaction, its Member must reimburse
the other Member directly.
1.3 TRANSACTION RECEIPT RETRIEVAL

An Issuer may request a Transaction Receipt from an Acquirer. This section governs Issuer and
Acquirer rights, responsibilities, and procedures for obtaining and providing these documents. Only
Group Member operating regulations or Private Agreements may supersede this section.
1.3.A Request for Transaction Receipt Copy

An Issuer may request and must accept a Transaction Receipt copy, including a Substitute
Transaction Receipt. Table 1-1 lists reasons for requesting Transaction Receipt copies and
their corresponding BASE II request codes. Table 1-2 lists the Single Message System codes.
Table 1-1: Transaction Receipt Retrieval Request Reasons (BASE II Retrieval Request)
Request Reason for Copy BASE II

BASE II Request Code
Transaction Code 52
Request for copy bearing signature1 28
T&E Document request 29
Cardholder request due to dispute 30
Cardholder does not recognize Transaction 32
Fraud analysis request 33
Legal process request 34
1. Not applicable to a Vehicle-Specific Fleet Card Transaction.
15 November 2008 **VISA PUBLIC** Visa International Operating Regulations, Volume II—Dispute Resolution Rules 1
Chapter 1: Transaction Receipt Retrieval, Chargebacks, and Representments
Table 1-2: Transaction Receipt Retrieval Request 1.3.C.1 Minimum Data Requirements
Reasons (Single Message System)
Table 1-2: Transaction Receipt Retrieval Request Reasons (Single Message System)
Message Reason Code (Field 63.3) in Single

Online Request Only
Message System Request for Copy Message
Request for copy bearing signature1 0028
T&E Document request 0029
Cardholder request due to dispute 0030
Cardholder does not recognize Transaction 0032
Fraud analysis request 0033
Legal process request 0034
1. Not applicable to a Vehicle-Specific Fleet Card Transaction.
1.3.B Transaction Receipt Retention

If requested, an Acquirer must provide an Issuer with a legible Transaction Receipt copy
during the required retention period, as specified in Table 1-3.
Table 1-3: Transaction Receipt Retention Periods
Document Retention Period
Original Transaction Receipt According to applicable law. Original may then be

destroyed if a copy replaces it.
Transaction Receipt copy or 12 months from Processing Date

substitute
T&E Document 180 calendar days from Processing Date
Recurring Transaction Receipt 12 months from Processing Date of latest

Transaction
1.3.C Transaction Receipt Request and Fulfillment Data

1.3.C.1 Minimum Data Requirements
Each Retrieval Request must contain at least the following data:
• Acquirer Reference Number
• Account Number
• Transaction Date of original Presentment
• Merchant Category Code
• Either the Transaction amount in the Transaction Currency or a complete Merchant
description
• Applicable Retrieval Request reason code from Table 1-1 or Table 1-2
2 15 November 2008 **VISA PUBLIC** Visa International Operating Regulations, Volume II—Dispute Resolution Rules
1.3.C.2 Transaction Fulfillment Document Table 1-4: Transaction Receipt Fulfillment
Requirements—Small Ticket Transaction, Documents—Unattended Acceptance Terminals
1.3.C.2 Transaction Fulfillment Document Requirements—Small Ticket Transaction,

Each Fulfillment for a Small Ticket Transaction must contain at least the following data:
• Merchant name
• Total Transaction amount
• Date
• Confirmation that Cardholder performed payment using a Visa Card or a Visa
Electron Card or a Proximity Payment Device
SEE ALSO:
• Volume I—General Rules, Section 5.2.B.9
• Volume I—General Rules, Section 5.4.F.4
• Volume I—General Rules, Section 7.3.C.2
• Volume I—General Rules, Electronic Transaction Receipt
1.3.C.3 Transaction Receipt Fulfillment Documents—Data Requirements

To satisfy a Retrieval Request for the Transaction types appearing in Table 1-4,
Table 1-5, and Table 1-6, the Acquirer must provide the listed documents containing the
specified data.
Table 1-4: Transaction Receipt Fulfillment Documents—Unattended Acceptance Terminals
Transaction Type
Cardholder-Activated
Magnetic-Stripe Cardholder-Activated
Transaction
Telephone Transaction Type A
Type B or Type C
Copy Not applicable Copy Copy
Requested Document None Transaction log Transaction log
Required Data on Document
Account Number U
Transaction Date U U
Transaction Time U
Transaction Amount U
Authorization Code U
Evidence of electronic Card Imprint U
Table 1-5: Transaction Receipt Fulfillment Table 1-5: Transaction Receipt Fulfillment
Documents—Recurring, Mail/Phone Order, Retail, Documents—Recurring, Mail/Phone Order, Retail,
and Electronic Commerce Transactions and Electronic Commerce Transactions
Table 1-5: Transaction Receipt Fulfillment Documents—Recurring, Mail/Phone Order, Retail, and
Electronic Commerce Transactions
Transaction Type
Recurring, Mail/
Recurring or Mail
Phone Order, or
Order (Excludes Electronic Commerce
Retail as permitted in
Phone Order)
Section 7.3.D.1.b
Copy Copy Copy Copy
Requested Document Cardholder written Substitute Transaction Substitute Transaction

permission Receipt Receipt
Account Number U U U
Cardholder Name U U U
Transaction Date U U U
Transaction Amount U U U
Transaction Currency Not applicable Not applicable U
Authorization Code If any If any U
Cardholder Signature U1 Not applicable Not applicable
Merchant Name U U U
Merchant Location U U Online address
Description Merchandise or Merchandise or Merchandise or

services services services2
Itemized Charges U Not applicable Not applicable
1. The Recurring Services Merchant must retain the Cardholder’s permission in a format such as an e-mail, other electronic
record, or in paper form, for the duration of the Recurring Transactions and provide it upon Issuer request, as specified
in Volume I—General Rules, Section 5.3.C.
2. To remedy a Retrieval Request or use Reason Code 75, “Transaction Not Recognized” for an Aggregated Transaction,
an Electronic Commerce Merchant must provide the details specified in Section 5.2.B.6.a for the individual purchases
that have been aggregated.
Table 1-6: Transaction Receipt Fulfillment Table 1-6: Transaction Receipt Fulfillment
Documents—T&E Transactions Documents—T&E Transactions
Table 1-6: Transaction Receipt Fulfillment Documents—T&E Transactions
Document Type Transaction Type
Car Rental Airline Hotel Cruise Line
Copy Copy Copy Copy Copy
Substitute Transaction Receipt U U U U
T&E Document U1 U1 U1
Account Number U U U U
Cardholder Name U If applicable U U
Passenger or Guest Name, if U U U

different than Cardholder Name
Cardholder Address U
Address where tickets were sent If available and

applicable
Transaction Date U
Rental and Return Dates U
Transaction Code If any
Transaction Amount U U U U
Authorization Code If any If any If any If any
Merchant Name U U U U
Merchant Location U U
Rental and Return location U
Travel Agent Name and Address If applicable
Rental Agreement Number U
Description U2 Airline flight Dates of stay, Dates of cruise

information check-in, and embarkation and
check-out disembarkation
Itemized Charges U3 U3
1. Must include a copy of all documents pertaining to a T&E Transaction, including the Transaction Receipt, car rental agreement,
and if one was created, a Guest Folio, as applicable. The Card Imprint and Cardholder signature must also be included if either
or both were obtained.
2. Includes type of car, mileage, rental rates, actual rate, refueling and insurance charges, adjustments, tax, cash received, billing
method, and rental agent ID number.
3. Includes room rate, tax, and food, beverage, and incidental charges.
1.3.D VisaNet Copy Request and Fulfillment Service Table 1-7: VisaNet Copy Request and Fulfillment
Service—Nonfulfillment Message Codes
1.3.D VisaNet Copy Request and Fulfillment Service

All Issuers and Acquirers must participate in the VisaNet Copy Request and Fulfillment
Service when initiating or responding to a Retrieval Request.
An Issuer must not initiate a manual request through the VisaNet Copy Request and
Fulfillment Service for BASE II Transaction code 52.
This section governs the VisaNet Copy Request and Fulfillment Service.
1.3.D.1 Acquirer Responsibilities

1.3.D.1.a An Acquirer must respond within 30 calendar days of the Retrieval Request
Processing Date with one of the following:
• Fulfillment
• Nonfulfillment Message
• Interchange log indicating that full credit for the original Transaction amount was
processed to the Cardholder Account Number
1.3.D.1.b When a Transaction Receipt contains a truncated or disguised Account Number, an
Acquirer may respond to a Retrieval Request Reason Code 30, “Cardholder request
due to dispute,” with a Substitute Transaction Receipt containing the complete
Account Number and the data elements specified in Table 1-5.
1.3.D.1.c The Acquirer may provide the Issuer with a Transaction Receipt that contains a
truncated or disguised Account Number.
1.3.D.1.d The Acquirer is not required to provide a Transaction Receipt for either:
• ATM Cash Disbursement
• Magnetic-Stripe Telephone Transaction
1.3.D.1.e A Fulfillment must both:
• Be legible enough for the Cardholder to read or for the Issuer to identify the
Account Number
• Include the unique 12-digit Copy Request Identifier assigned by VisaNet
1.3.D.1.f A Nonfulfillment Message must include the Copy Request Identifier and one of the
message codes listed in Table 1-7.
Table 1-7: VisaNet Copy Request and Fulfillment Service—Nonfulfillment Message Codes
Message Code Description
01 Invalid Request: Incorrect Account Number
02 Invalid Request: Not a valid Acquirer Reference Number
03 Item could not be located—Charge back
04 Acquirer will not fulfill—Charge back
05 Transaction Receipt not required or previously fulfilled
1.3.D.2 Issuer Rights 1.3.F.2 Fee Recovery
1.3.D.2 Issuer Rights

An Issuer may exercise a Chargeback right for the Chargeback reason code applicable
to the dispute, if one of the following applies:
• Acquirer did not respond to a Retrieval Request within 30 calendar days of the
request
• Acquirer sent a Nonfulfillment Message code
• Acquirer did not send a valid or correct Fulfillment
1.3.E Acquirer Discrepancy Notification

1.3.E.1 Request Discrepancy or Data Omission
If the Acquirer cannot satisfy a Retrieval Request due to an Issuer discrepancy or data
omission, the Acquirer must notify the Issuer within 2 business days of the receipt of the
request.
1.3.E.1.a The notification must repeat the request information and identify the discrepancy.
1.3.E.1.b The Acquirer must use the same method for sending the notification as the Issuer
used to request the Transaction Receipt, for an International Transaction.
1.3.E.2 Issuer Responsibilities

If the Issuer receives a discrepancy notification, it may either:
• Correct the discrepancy or omission and request the Transaction Receipt again
• If it cannot identify the discrepancy or omission, charge back the Transaction after
expiration of the waiting period
1.3.F Retrieval Fees

1.3.F.1 Fees
Visa charges the Issuer and reimburses the Acquirer for a Retrieval Request as
specified in Volume I—General Rules, Section 8.4.
1.3.F.2 Fee Recovery

The Issuer may recover fees for Retrieval Requests for any of the following reasons:
• Acquirer did not properly supply the requested Transaction Receipt
• Substitute Transaction Receipt does not include the required data
• Request resulted from an incorrect Merchant description or a zero-filled or incorrect
Transaction Date in the VisaNet transmission
1.4 CHARGEBACKS AND REPRESENTMENTS 1.4.B.2 Documentation
1.4 CHARGEBACKS AND REPRESENTMENTS
1.4.A Chargeback and Representment Process

After receiving a Presentment, an Issuer may charge back a Transaction to the Acquirer under
the conditions specified beginning in Section 1.6. Similarly, the Acquirer may represent the
Chargeback to the Issuer. The Issuer must not charge back the Transaction a second time,
with the exception of Reason Code 93, “Merchant Fraud Performance Program”, and the
Acquirer must not represent the Transaction a second time. Figure 1-1 illustrates this process.
Figure 1-1 Chargeback and Representment Process Through VisaNet
A Member may have the right to file for Arbitration after completing the Chargeback/
Representment cycle (see Chapter 2, "Arbitration").
1.4.B Chargeback and Representment Transmission

1.4.B.1 Clearing and Settlement
A Member must process a Chargeback or Representment for an International
Transaction through VisaNet. A Member may also transmit a Chargeback for a Domestic
Transaction through an Interchange tape or by other means under a Private Agreement.
SEE ALSO:
• BASE II Record Requirements (Exhibit 2L) for the data that must appear in Chargeback and
Representment transmission records
• VisaNet manuals for the required formats
1.4.B.2 Documentation
1.4.B.2.a A Member sending Chargeback or Representment documentation must do so within
8 calendar days of the Chargeback or Representment Processing Date, using a Visa-
approved electronic documentation transfer method (e.g., the VisaNet
Documentation Automation Service).
1.4.B.2.b The Member must not send Chargeback or Representment documentation by mail,
fax, or any other non-automated method.
1.4.C Chargeback Reduction Service 1.4.D.1 Attempt to Settle
1.4.C Chargeback Reduction Service

1.4.C.1 Overview
The Chargeback Reduction Service rejects invalid or incomplete Chargebacks and
returns them to the Issuer. These rejected records are not considered completed
Chargebacks. The Issuer may either:
• Correct the rejected record and resubmit it as a Chargeback within the applicable
Chargeback Period
• Accept financial liability for the Transaction
1.4.C.2 Return of BASE II Presentment

1.4.C.2.a If the BASE II Transaction Date field is zero-filled, Visa returns a Presentment to the
Acquirer if the Account Number was listed on the applicable Card Recovery Bulletin
within 10 calendar days prior to the Processing Date.
1.4.C.2.b If the BASE II Transaction Date field is not zero-filled, Visa returns a Presentment to
the Acquirer if all of the following apply:
• Account Number was listed on a Card Recovery Bulletin
• Card Recovery Bulletin Listing was effective in the Card Recovery Bulletin Region
of the Merchant Outlet on the Transaction Date indicated in the BASE II record
• Transaction amount is below the Floor Limit
1.4.C.3 Return of Chargeback

The Chargeback Reduction Service may return an invalid Chargeback to the Issuer if all
Chargeback requirements are not met.
1.4.D Chargeback
An Issuer may charge back a Transaction to an Acquirer under certain conditions. Table 1-8
through Table 1-17 specify the Chargeback reasons and time limits.
1.4.D.1 Attempt to Settle

1.4.D.1.a Before exercising a Chargeback, the Issuer must attempt to honor the Transaction.
1.4.D.1.b If this fails and the Issuer has already billed the Transaction to the Cardholder, the
Issuer must credit the Cardholder for the Chargeback amount.
1.4.D.1.c An Issuer must credit its Cardholder’s account for the amount in dispute, whether or
not a Chargeback was initiated, if the dispute involves an Electronic Commerce
Transaction and the conditions are met for any of the following Chargebacks:
• Reason Code 30, “Services Not Provided or Merchandise Not Received”
• Reason Code 41, “Cancelled Recurring Transaction”
• Reason Code 53, “Not as Described or Defective Merchandise”
• Reason Code 83, “Fraud—Card-Absent Environment”
• Reason Code 85, “Credit Not Processed”
1.4.D.2 Chargeback Dispute Groups and Time Table 1-8: Request for Information—Group 1
Limits Chargeback Reasons
1.4.D.1.d The Issuer must not be reimbursed twice for the same Transaction.
1.4.D.1.e A Cardholder must not be credited twice as a result of both a:
• Chargeback
• Credit processed by a Merchant
1.4.D.2 Chargeback Dispute Groups and Time Limits

The following tables list the Chargeback dispute groups, the Chargeback reason codes
included in each group, and the Chargeback time limits:
• Table 1-8, “Request for Information—Group 1”
• Table 1-9, “Fraud—Group 2”
• Table 1-10, “Authorization—Group 3”
• Table 1-11, “Processing Error—Group 4”
• Table 1-12, “Cancelled/Returned—Group 5”
• Table 1-13, “Non-Receipt Goods/Services—Group 6”
All of the Chargebacks in the following tables are specified in detail, beginning in
Section 1.6.
1.4.D.2.a Request for Information—Group 1
Table 1-8 lists the Chargebacks that may apply if an Issuer initiated a Retrieval
Request and the Acquirer either:
• Fulfilled the request with an illegible Fulfillment
• Did not provide additional Transaction Information beyond the data submitted in
the Clearing Record
Table 1-8: Request for Information—Group 1 Chargeback Reasons
Time Limit
Chargeback Reasons Reason Code
(Calendar Days)
Illegible Fulfillment 60 120
Transaction Not Recognized 75 120
Table 1-9: Fraud—Group 2 Chargeback Reasons Table 1-10: Authorization—Group 3 Chargeback
Reasons
1.4.D.2.b Fraud—Group 2
Table 1-9 lists the Chargebacks that may apply if a Cardholder asserts that he did not
authorize or participate in a Transaction, or an Issuer certifies that the Account
Number used to complete a Transaction is fictitious or no longer valid.
Table 1-9: Fraud—Group 2 Chargeback Reasons
Time Limit
(Calendar Days)
Fraudulent Multiple Transactions 57 120
Counterfeit Transaction 62 120
Fraud—Card-Present Environment 81 120
Fraud—Card-Absent Environment 83 120
Merchant Fraud Performance Program 93 120
1.4.D.2.c Authorization—Group 3
Table 1-10 lists the Chargebacks that may apply if a Merchant or an Acquirer did not
follow the proper Authorization procedures.
Table 1-10: Authorization—Group 3 Chargeback Reasons
Time Limit
(Calendar Days)
Card Recovery Bulletin or Exception File 70 75
Declined Authorization 71 75
No Authorization 72 75
Expired Card 73 75
Service Code Violation 78 75
Table 1-11: Processing Error—Group 4 Chargeback Table 1-12: Cancelled/Returned—Group 5

Reasons Chargeback Reasons
1.4.D.2.d Processing Error—Group 4

Table 1-11 lists the Chargebacks that may apply if a Merchant incorrectly submitted
a Transaction or an Acquirer made a technical error in processing a Transaction.
Table 1-11: Processing Error—Group 4 Chargeback Reasons
Time Limit
(Calendar Days)
Late Presentment 74 120
Incorrect Currency or Transaction Code or 76 120

Domestic Transaction Processing Violation
Non-Matching Account Number 77 120
Incorrect Transaction Amount or Account 80 120

Number
Duplicate Processing 82 120
Paid by Other Means 86 120
Transaction Exceeds Limited Amount 96 120
1.4.D.2.e Cancelled/Returned—Group 5
Table 1-12 lists the Chargebacks that may apply if either:
• A Merchant issued a Credit Transaction Receipt, but did not process it
• A Cardholder cancelled a service or returned merchandise and the Merchant did
not process a Credit Transaction Receipt
Table 1-12: Cancelled/Returned—Group 5 Chargeback Reasons
Time Limit
(Calendar Days)
Cancelled Recurring Transaction 41 120
Not as Described or Defective Merchandise 53 120
Credit Not Processed 85 120
Table 1-13: Non-Receipt Goods/Services—Group 6 Table 1-14: ATM or Load Transaction Chargeback
Chargeback Reasons Reasons
1.4.D.2.f Non-Receipt Goods/Services—Group 6

Table 1-13 lists the Chargebacks that may apply if either:
• A Merchant was unable or unwilling to provide the service, or the Cardholder or
authorized person did not receive the merchandise at the agreed-upon location or
by the agreed-upon date
• A Cardholder completed an ATM Cash Disbursement or Load Transaction but did
not receive cash or Load Transaction value, or received only a portion of the cash
or Load Transaction value
Table 1-13: Non-Receipt Goods/Services—Group 6 Chargeback Reasons
Time Limit
(Calendar Days)
Services Not Provided or Merchandise Not 30 120

Received
Non-Receipt of Cash or Load Transaction 90 120

Value at ATM or Load Device
1.4.D.3 Reasons and Time Limits for Specific Transaction Types

1.4.D.3.a ATM or Load Transaction Chargeback Reasons
Table 1-14 lists the only Chargebacks that apply to ATM Transactions. They may also
apply to other types of Transactions.
Table 1-14: ATM or Load Transaction Chargeback Reasons
Time Limit
(Calendar Days)


Table 1-15: Visa TravelMoney Card Chargeback Table 1-16: Magnetic-Stripe Telephone Transaction
Reasons Chargeback Reasons
1.4.D.3.b Visa TravelMoney Card Chargeback Reasons

Table 1-15 lists the only Chargebacks that apply to Transactions completed with a
Visa TravelMoney Card. They may also apply to other types of Transactions.
Table 1-15: Visa TravelMoney Card Chargeback Reasons
Time Limit
(Calendar Days)

Fraud—Card-Absent Environment 83 120

1.4.D.3.c Magnetic-Stripe Telephone Transaction Chargeback Reasons

Table 1-16 lists the only Chargebacks that apply to Magnetic-Stripe Telephone
Transactions. They may also apply to other types of Transactions.
Table 1-16: Magnetic-Stripe Telephone Transaction Chargeback Reasons
Time Limit
(Calendar Days)
Card Recovery Bulletin or Exception File 70 75
Expired Card 73 75
Fraud—Card-Present Environment 81 120
Merchant Fraud Performance Program 93 120
Transaction Exceeds Limited Amount 96 120
Table 1-17: Original Credit Money Transfer 1.4.D.5 Transaction Chargeback Method
Chargeback Reasons
1.4.D.3.d Original Credit Money Transfer Chargeback Reasons

Table 1-17 lists the only Chargebacks that apply to an Original Credit money transfer.
They may also apply to other types of Transactions.
Table 1-17: Original Credit Money Transfer Chargeback Reasons
Time Limit
(Calendar Days)
Credit Not Processed 85 120
1.4.D.4 Chargeback Time Limits

1.4.D.4.a The Chargeback time limit is calculated from the Transaction Processing Date.
1.4.D.4.b The Chargeback time limit begins on the calendar day following this date.
1.4.D.5 Transaction Chargeback Method

An Issuer must charge back each Transaction separately. The Issuer must not combine
Transactions and charge them back as a single Transaction.
This rule does not apply to a Magnetic-Stripe Telephone or Telephone Service
Transaction for which the Cardholder did not give permission or when a Fictitious
Account Number was used or no valid Card was outstanding.
1.4.E Processing Requirements 1.4.E.3 Currency Conversion
1.4.E Processing Requirements

1.4.E.1 Chargeback Documentation
1.4.E.1.a An Issuer must provide an Acquirer with the following Chargeback documentation for
each Transaction, if required:
• Completed Exhibit 2E-1 Issuer through Exhibit 2E-6 Issuer, as appropriate. If no
documentation is required but documentation is sent, Exhibit 2E-1 Issuer through
Exhibit 2E-6 Issuer, as appropriate, must also be sent.
• Signed Cardholder certification denying participation in the Transaction for
asserted fraudulent use of a Card or Account Number. Each fraudulent
Transaction does not require a separate certification, however at a minimum, the
signed Cardholder certification must include the following:
- Cardholder Account Number (complete or partial Account Number is
acceptable)
- Merchant name
- Transaction amount
- The signed Cardholder certification may include a signature received in a secure
online banking environment maintained by the Issuer. In this environment, any
method used by the Cardholder that establishes a unique identity through use
of a password or other log-on identification method is considered a valid
Cardholder signature. When a signed Cardholder certification is received in an
online banking environment, the Issuer must certify with the Chargeback that the
unique identity represents the Cardholder signature.
• Translations into English for non-English documentation
• Other documentation as specified for each Chargeback
1.4.E.1.b A Member sending Chargeback documentation must do so within 8 calendar days of
the Chargeback Processing Date, using a Visa-approved electronic documentation
transfer method (e.g., the VisaNet Documentation Automation Service).
1.4.E.1.c The Member must not send Chargeback documentation by mail, fax, or any other
non-automated method.
1.4.E.2 Chargeback Amount

The Issuer must charge back for either:
• Actual billed amount in the Billing Currency
• Partial Transaction amount equal to the disputed amount
1.4.E.3 Currency Conversion

Visa converts the Billing Currency to the Acquirer’s Settlement Currency using the Basic
Currency Conversion Rate.
1.5 REPRESENTMENT Table 1-18: Representment Reasons and
Conditions
1.5 REPRESENTMENT
1.5.A Representment Reasons, Conditions, and Time Limits

An Acquirer may represent a Transaction to the Issuer for one of the reasons listed in
Table 1-18 within 45 calendar days. The Representment time limit is calculated from the
Chargeback Processing Date.
Representment information in the following table appears in more detail in Section 1.6.
Table 1-18: Representment Reasons and Conditions
Representment Reason Conditions
Mis-sorted Chargeback1 None
Missing or incomplete Acquirer must wait 15 calendar days for document delivery:
documentation to support • If incomplete supporting documentation is received
Chargeback2 within the 15 calendar-day waiting period, Acquirer may
represent a Transaction immediately or any time
between the document receipt date and day 45
• If no supporting documentation is received within the 15
calendar-day waiting period, Acquirer may represent a
Transaction at any time between day 16 and day 45
Invalid Acquirer Reference None

Number/Tracing Data or Account
Number
Improper Chargeback See Section 1.6
Additional information available to See Section 1.6

remedy the Chargeback
Remedy reason code 60 Send legible copy of requested item
Improper ATM Cash Disbursement Acquirer submits the required documentation to remedy
or Load Transaction Chargeback3 Chargeback. See the ATM Cash Disbursement or Load
Transaction reason codes in Section 1.6
A Load Acquirer may represent an improper Chargeback
involving a Load Transaction within 15 calendar days of the
Chargeback Processing Date.
1. A mis-sorted Chargeback is calculated from the receipt date of the Chargeback documentation.
2. The time limit for missing or incomplete Chargeback documentation is calculated from the Chargeback
Processing Date.
3. An ATM Cash Disbursement or Load Transaction Representment is calculated from the Chargeback
Processing Date.
1.5.A.1 Representment Documentation 1.5.B Currency Conversion Difference

Requirements
1.5.A.1 Representment Documentation Requirements

1.5.A.1.a An Acquirer must provide the Issuer with the following Representment
documentation, if required:
• Documentation to remedy the Chargeback
• Completed Exhibit 2E-1 Acquirer through Exhibit 2E-6 Acquirer, as appropriate,
including the Chargeback reference number, if used (See BASE II Record
Requirements (Exhibit 2L))
• Translations of any non-English documentation
A Member sending Representment documentation must do so within 8 calendar days
of the Representment Processing Date, using a Visa-approved electronic
documentation transfer method (e.g., the VisaNet Documentation Automation
Service).
1.5.A.1.b The Member must not send Representment documentation by mail, fax, or any other
non-automated method.
1.5.A.2 Representment Amount

For a Representment, this field must contain one of the following:
• Same amount in the same Transaction Currency as in the original Presentment
• Partial Transaction amount to remedy the Chargeback
• Same or corrected amount in the Settlement Currency as received by the Acquirer for
the Chargeback
1.5.B Currency Conversion Difference

If the Transaction Currency and the Billing Currency are denominated in the euro or one of its
national currency units, VisaNet converts the Transaction amount to the Billing Currency using
the Basic Currency Conversion Rate.
For all other Transactions, VisaNet converts the Transaction amount to the Billing Currency
using the Currency Conversion Rate.
• The Acquirer is liable for any difference between the charged-back amount and the
Representment amount
• The Issuer is liable for any difference between the amount originally presented and the
Representment amount
1.6 CHARGEBACK REASON CODES Table 1-19: Chargebacks at a Glance: Request for
Information—Group 1
1.6 CHARGEBACK REASON CODES

Table 1-19 through Table 1-25 list the Chargeback reason codes by dispute group and identify the
type of dispute that applies to each reason code.
Table 1-19: Chargebacks at a Glance: Request for Information—Group 1
Reason Code Reason Code Title, Description, and Conditions
60 Illegible Fulfillment
The Fulfillment supplied in response to a Retrieval Request is illegible.
Applies when a Fulfillment is received and the Account Number or Transaction
amount is illegible.
75 Transaction Not Recognized

The Cardholder does not recognize the Transaction and additional information
beyond the data required in the Clearing Record is needed to determine
Transaction validity.
Applies when Cardholder does not recognize a Transaction and additional
information beyond the data required in the Clearing Record is needed to
determine Transaction validity.
Table 1-20: Chargebacks at a Glance: Fraud— Table 1-20: Chargebacks at a Glance: Fraud—
Group 2 Group 2
Table 1-20: Chargebacks at a Glance: Fraud—Group 2
57 Fraudulent Multiple Transactions

Multiple Transactions occurred on a single Card at the same Merchant Outlet
without the Cardholder’s permission.
62 Counterfeit Transaction
A Counterfeit Card was used for a Magnetic-Stripe or Chip-initiated
Transaction that received Authorization but the Authorization Request did not
include the required data, or contained altered data.
81 Fraud—Card-Present Environment
A Merchant did not obtain an Imprint and a signature (or a PIN) in a
Card-Present Environment, and the Merchant completed the Transaction
without the Cardholder’s permission, or a Transaction was processed with a
Fictitious Account Number, or no valid Card was outstanding bearing the
Account Number on the Transaction Receipt.
Applies when the Merchant did not obtain an Imprint and signature, or PIN for
a Face-to-Face Transaction and either:
• Cardholder did not give permission to complete the Transaction
• Fictitious Account Number was used or no valid Card was outstanding
83 Fraud—Card-Absent Environment
A Mail/Phone Order or Electronic Commerce Transaction was processed
without the Cardholder’s permission, or a Fictitious Account Number was used,
or no valid Card was outstanding bearing the Account Number on the
Transaction Receipt.
Applies when a Mail/Phone Order or Electronic Commerce Transaction
occurred and either:
• Cardholder did not give permission to complete the Transaction
• Fictitious Account Number was used or no valid Card was outstanding
93 Merchant Fraud Performance Program

Visa notified the Issuer that the Transaction is identified by the Merchant Fraud
Performance Program
Table 1-21: Chargebacks at a Glance: Table 1-21: Chargebacks at a Glance:
Authorization—Group 3 Authorization—Group 3
Table 1-21: Chargebacks at a Glance: Authorization—Group 3
70 Card Recovery Bulletin or Exception File

A Merchant did not check the Card Recovery Bulletin or Exception File for a
Transaction with an amount that was below the Floor Limit.
71 Declined Authorization
Merchant completed a Transaction after an Authorization Request received a
Decline Response.
72 No Authorization
Authorization was required for a Transaction, but the Merchant did not obtain
Authorization.
73 Expired Card
A Merchant completed a Transaction with a Card that expired prior to the
Transaction Date, and the Merchant did not obtain Authorization.
78 Service Code Violation

The Service Code on the Magnetic Stripe or Chip indicated that the Card was
invalid for the Transaction and the Merchant did not obtain Authorization.
Table 1-22: Chargebacks at a Glance: Processing Table 1-22: Chargebacks at a Glance: Processing
Error—Group 4 Error—Group 4
Table 1-22: Chargebacks at a Glance: Processing Error—Group 4
74 Late Presentment
Transaction was not processed within the required time limits and the account
was not in good standing on the Chargeback Processing Date, or the
Transaction was processed more than 180 calendar days from the Transaction
Date.
76 Incorrect Currency or Transaction Code or Domestic Transaction Processing

Violation
Transaction was processed with an incorrect Transaction code, or an incorrect
currency code, or the Merchant did not deposit a Transaction Receipt in the
country where the Transaction occurred.
77 Non-Matching Account Number

Transaction did not receive Authorization and was processed using an Account
Number that does not match any on the Issuer’s master file.
80 Incorrect Transaction Amount or Account Number

Transaction amount is incorrect, or an addition or transposition error was made
when calculating the Transaction amount, or Merchant altered the Transaction
amount after the Transaction was completed without the consent of the
Cardholder, or a Transaction was processed using an incorrect Account
Number.
82 Duplicate Processing
A single Transaction was processed more than once.
86 Paid by Other Means

Merchandise or service was received but paid by other means.
96 Transaction Exceeds Limited Amount

An Unattended Acceptance Terminal that performs Cardholder-Activated
Transaction Type A or Cardholder-Activated Transaction Type B exceeded the
allowed amount.
Table 1-23: Chargebacks at a Glance: Cancelled/ Table 1-24: Chargebacks at a Glance: Non-Receipt
Returned—Group 5 Goods/Services—Group 6
Table 1-23: Chargebacks at a Glance: Cancelled/Returned—Group 5
41 Cancelled Recurring Transaction

The Merchant continued to charge a Cardholder for a Recurring Transaction
despite notification of cancellation.
53 Not as Described or Defective Merchandise

The Cardholder received damaged or defective merchandise, or the
merchandise or service did not match what was described on the Transaction
Receipt or other documentation presented at the time of purchase.
85 Credit Not Processed

A Merchant did not process a Credit Transaction Receipt as required.
Table 1-24: Chargebacks at a Glance: Non-Receipt Goods/Services—Group 6
30 Services Not Provided or Merchandise Not Received

Merchant was unable or unwilling to provide services, or the Cardholder or
authorized person did not receive the merchandise at the agreed-upon location
or by the agreed-upon date.
90 Non-Receipt of Cash or Load Transaction Value at ATM or Load Device

Cardholder did not receive, or received only a portion of cash or Load
Transaction value.
Table 1-25: Chargebacks at a Glance: Listed in Table 1-25: Chargebacks at a Glance: Listed in
Numerical Order Numerical Order
Table 1-25: Chargebacks at a Glance: Listed in Numerical Order
Reason Dispute
Reason Code Title Page
Code Group
30 Services Not Provided or Merchandise Not Received 6 188
41 Cancelled Recurring Transaction 5 156
53 Not as Described or Defective Merchandise 5 164
57 Fraudulent Multiple Transactions 2 38
60 Illegible Fulfillment 1 30
62 Counterfeit Transaction 2 42
70 Card Recovery Bulletin or Exception File 3 78
71 Declined Authorization 3 86
72 No Authorization 3 96
73 Expired Card 3 102
74 Late Presentment 4 112
75 Transaction Not Recognized 1 32
76 Incorrect Currency or Transaction Code or Domestic Transaction 4 118

Processing Violation
77 Non-Matching Account Number 4 128
78 Service Code Violation 3 106
80 Incorrect Transaction Amount or Account Number 4 134
81 Fraud—Card-Present Environment 2 52
82 Duplicate Processing 4 142
83 Fraud—Card-Absent Environment 2 64
85 Credit Not Processed 5 170
86 Paid by Other Means 4 148
90 Non-Receipt of Cash or Load Transaction Value at ATM or Load 6 194

Device
93 Merchant Fraud Performance Program 2 74
96 Transaction Exceeds Limited Amount 4 152
Group 1—Request for Information
26
Dispute Request for Information

Group
A Transaction Receipt or T&E Document Fulfillment was illegible, or the
1
Cardholder does not recognize the Transaction
60 Illegible Fulfillment
75 Transaction Not Recognized
The Cardholder does not recognize the Transaction and additional information beyond the data required in the Clearing Record is
needed to determine Transaction validity.
GENERAL REQUIREMENTS FOR DISPUTE GROUP 1—REQUEST FOR INFORMATION
Chargeback Time Frame

1. The Chargeback time limit is 120 calendar days from the Transaction Processing Date.
2. The Retrieval Request was made within 89 calendar days of the Transaction Processing Date.
Representment Time Frame

The Representment time limit is 45 calendar days from the Chargeback Processing Date.
General Chargeback Rights and Limitations

1. Issuer may recover the Retrieval Request fee specified in Volume I—General Rules, Section 8.4.B if the Acquirer does not properly
fulfill the Request.
2. Chargeback is invalid for both:
a. Telephone Service Transactions
b. ATM Cash Disbursements
3. Chargeback is invalid when any of the following apply:
a. Retrieval Request was not transmitted through the VisaNet Copy Request and Fulfillment Service
b. Acquirer provides the Clearing Record in response to a Retrieval Request to demonstrate that a Credit Transaction Receipt
was processed
General Representment Rights and Limitations

1. Acquirer must not reassess the Retrieval Request fee to the Issuer.
2. Representment is invalid if a Fulfillment or Nonfulfillment Message was not transmitted through the VisaNet Copy Request and
Fulfillment Service.
Additional Information
1. At its option, a Member may provide any additional documentation or information to support the Chargeback or Representment.
2. If documentation is sent to the opposing Member, Dispute Resolution Form (Exhibit 2E-1) must also be provided.
3. If the Member Message Text is all that is required to support a Chargeback or Representment, use of Dispute Resolution Form
(Exhibit 2E-1) is optional.

Group
A Transaction Receipt or T&E Document Fulfillment was illegible, or the
1
Cardholder does not recognize the Transaction
27
Group 1—Request for Information

Group 1—Reason Code 60
28

Group
Reason Code 60 Illegible Fulfillment
Chargeback Condition 1
Issuer requested and received a Transaction Receipt or Substitute Transaction Receipt and the Account Number or amount is illegible.
Chargeback Rights and Limitations Representment Rights and Limitations
1. Issuer may recover the Retrieval Request fee specified in 1. Acquirer must not reassess the Retrieval Request fee to the Issuer.
Volume I—General Rules, Section 8.4.B, if the Acquirer does 2. Representment is invalid if a Fulfillment or Nonfulfillment Message
not properly fulfill the Request. was not transmitted through the VisaNet Copy Request and
2. Chargeback is invalid for both: Fulfillment Service.
a. Telephone Service Transactions
b. ATM Cash Disbursements
3. Chargeback is invalid when any of the following apply:
a. Retrieval Request was not transmitted through the
VisaNet Copy Request and Fulfillment Service
b. Acquirer provides the Clearing Record in response to a
Retrieval Request to demonstrate that a Credit
Transaction Receipt was processed
4. Chargeback is valid if the truncated or disguised Account
Number is illegible.
5. Chargeback is invalid if the embossed six-digit BIN of the
Account Number and the embossed Cardholder name are
legible.
Chargeback Condition 1 (continued)

Issuer requested and received a Transaction Receipt or Substitute Transaction Receipt and the Account Number or amount is illegible.
Chargeback Representment Representment

Member Message Text and Conditions Member Message Text and
Supporting Documentation Supporting Documentation
Member Message Text: 1. Credit or Reversal was processed. Member Message Text:
REQ ID X...X (12 digits) Either that applies:
Documentation: 1. CRED MMDDYY ARN X...X
None required. (23 or 24 digits)
2. REVERSAL MMDDYY
Documentation:
None required.
2. Issuer did not meet the applicable Member Message Text:

Chargeback conditions. X...X (Specify the reason)
Documentation:
None required.
3. Acquirer can remedy the Chargeback. Member Message Text:

None required.
Documentation:
Both:
1. Exhibit 2E-1 Acquirer
2. Legible copy of the Transaction Receipt

Group
Reason Code 60 Illegible Fulfillment
1
29

30

Group
Reason Code 75 Transaction Not Recognized
The Cardholder does not recognize the Transaction and additional information beyond the data required in the Clearing
Record is needed to determine Transaction validity.
The Cardholder does not recognize the Transaction and additional information beyond the data required in the Clearing Record is needed to
assist the Cardholder in identifying the Transaction.
1. A Retrieval Request must be made prior to exercising the 1. Representment must include additional information or Transaction
Chargeback when the Mail/Phone Order, Electronic data that was not required in the Clearing Record.
Commerce, or Recurring Transaction indicator is not present 2. Representment is invalid if Acquirer failed to respond to Retrieval
in the Clearing Record. Request or responded with a Nonfulfillment Message code “03” or
2. If a Retrieval Request is required, Issuer must wait 30 calendar “04,” or provided a Fulfillment which does not contain all the
days from the Retrieval Request Processing Date to receive required data elements, as specified in Section 1.3.C.
the Fulfillment or Nonfulfillment Message code prior to 3. Representment is invalid if Acquirer failed to respond to Retrieval
exercising the Chargeback. The waiting period does not apply Request or responded with a Nonfulfillment Message code “03” or
if a Fulfillment or Nonfulfillment Message is received. “04” and any of the following (for qualifying Transactions and
3. Chargeback is invalid if any of the following: effective dates, refer to Additional Information):1
a. Issuer used Retrieval Request reason code 33, “Fraud a. Transaction was Cash or Quasi-Cash
Analysis Request” or Retrieval Request reason code 34, b. Retrieval Request reason code was “29”2
“Legal Process Request” c. Transaction was not an EMV PIN Transaction
b. Acquirer supplies a Fulfillment with all required data 4. Representment for an Aggregated Transaction must include details
specified in Section 1.3.C of the individual purchases that have been aggregated, as specified
c. Lodging/Car Rental No-Show indicator in the Clearing in Volume I—General Rules, Section 5.2.B.6.a.
Record is “1”
d. Acquirer provided evidence of an Imprint and signature or
PIN
4. Chargeback does not apply to an Electronic Commerce
Transaction that was coded with ECI value “5” or “6.”
5. Chargeback is invalid when Cardholder states Transaction
was fraudulent.
1. A variance to this requirement applies in the jurisdiction of the Latin America and Caribbean, Asia-Pacific, and U.S.A. Regions, to exclude
Transactions involving Issuers and Acquirers from those Visa Regions.
2. For T&E Document Fulfillment, Transaction Receipt is optional.

1. If the Acquirer properly represents and the Cardholder still disputes the Transaction, the Issuer may pursue the new dispute via
pre-Arbitration.
2. If the Issuer initiates pre-Arbitration for a new dispute reason, the Issuer must both:
a. Meet the conditions of the new Chargeback reason code
b. Provide all the documentation or information required to support the new dispute
3. Visa recommends that the Acquirer supply all available Transaction details when responding to either:
a. Retrieval Request reason code 32
b. Chargeback Reason Code 75, “Transaction Not Recognized,” if a Representment right exists.
The Acquirer should provide additional details, such as:
i. Detailed description of goods or services that were provided
ii. Description of how Merchant confirmed the Cardholder’s participation, e.g., Cardholder signature, PIN, or other authentication
method
iii. Description of how delivery address was confirmed, if applicable, e.g., use of an address verification method
4. Chargeback is applicable if required data in the Clearing Record is insufficient to identify the Transaction (e.g., Merchant name missing
or unrecognizable to the Cardholder).
5. The Issuer may have a Compliance right for an Electronic Commerce Transaction that was coded with ECI value “6” if both:
a. Acquirer failed to respond to the Issuer’s Retrieval Request or responded with a Nonfulfillment Message code “03” or “04”
b. Cardholder required more information about the Transaction
6. The EMV Liability Shift Principles, as specified in Volume I—General Rules, Section 3.3.B and Volume I—General Rules, Section 4.3,
apply to all Intraregional Transactions in the jurisdiction of the CEMEA Regional Office. This includes Transactions occurring at both POS
and ATM devices.
The EMV Liability Shift Principles, as specified in Volume I—General Rules, Section 3.3.B and Volume I—General Rules, Section 4.3,
apply to all Interregional Transactions occurring at POS devices, between the jurisdiction of the CEMEA Regional Office and Visa Europe.
Effective 1 July 2008, the EMV Liability Shift Principles, as specified in Volume I—General Rules, Section 3.3.B and Volume I—General
Rules, Section 4.3, apply to all Interregional Transactions between the jurisdiction of the CEMEA Regional Office and Visa Europe. This
includes Transactions occurring at both POS and ATM devices.
Effective 1 October 2010, the EMV Liability Shift Principles, as specified in Volume I—General Rules, Section 3.3.B and
Volume I—General Rules, Section 4.3, apply to all Interregional Transactions.

Group
1
31

32

Group

The Cardholder does not recognize the Transaction and additional information beyond the data required in the Clearing Record is needed
to assist the Cardholder in identifying the Transaction.

Both: Either that applies:
1. XX CH DOES NOT RECOGNIZE 1. CRED MMDDYY ARN X...X
“XX” must be one of the following codes: (23 or 24 digits)
01=Merchant Name 2. REVERSAL MMDDYY
02=Merchant Location Documentation:
03=Transaction amount Representment for an Aggregated
04=Transaction Date Transaction must include details of the
05=Other (must specify) individual purchases that have been
2. RR DATE MMDDYY, (if requested aggregated, as specified in Volume I—
Transaction Receipt not fulfilled) General Rules, Section 5.2.B.6.a.
Documentation:
None required.



Documentation:
None required.

None required.
Documentation:
Both:
2. Copy of Transaction Receipt or other
document with additional information or
Transaction data that was not required in
Clearing Record

Group
1
33

Group 2—Fraud
34
Dispute Fraud
Group A fraududent Transaction was processed, or the Account Number used to process the Transaction was fictitious
2 or no longer valid, or a Merchant was identified by the Merchant Fraud Performance Program.
57 Fraudulent Multiple Transactions
Multiple Transactions occurred on a single Card at the same Merchant Outlet without the Cardholder’s permission.
62 Counterfeit Transaction
A Counterfeit Card was used for a Magnetic-Stripe or Chip-initiated Transaction that received Authorization but the Authorization
Request did not include the required data, or contained altered data.
81 Fraud—Card-Present Environment
A Merchant did not obtain an Imprint and a signature (or a PIN) in a Card-Present Environment, and the Merchant completed the
Transaction without the Cardholder’s permission, or a Transaction was processed with a Fictitious Account Number, or no valid Card
was outstanding bearing the Account Number on the Transaction Receipt.
83 Fraud—Card-Absent Environment
A Mail/Phone Order, Recurring, or Electronic Commerce Transaction was processed without the Cardholder’s permission, or a
Fictitious Account Number was used, or no valid Card was outstanding bearing the Account Number on the Transaction Receipt.
93 Merchant Fraud Performance Program
Visa notified the Issuer that the Transaction is identified by the Merchant Fraud Performance Program.
GENERAL REQUIREMENTS FOR DISPUTE GROUP 2—FRAUD

1. The Chargeback time limit is 120 calendar days from the Transaction Processing Date.
2. For Chargeback Reason Code 93, the Chargeback time limit is 120 calendar days from the date of the identification by the Merchant
Fraud Performance Program.


1. If a Retrieval Request is required, Issuer must wait 30 calendar days from the Retrieval Request date to receive a Fulfillment or
Nonfulfillment Message prior to exercising a Chargeback.
2. If a Retrieval Request was made but the Fulfillment was not received, Issuer may exercise the fraud-related Chargeback and
provide the Retrieval Request date.
3. Chargeback is invalid for Emergency Cash Disbursements.
4. For Chargeback Reason Codes 57, 81, and 83, Chargeback minimum for a T&E Transaction is US $25 or equivalent.

Refer to individual reason codes.
1. If the Fulfillment was not received, Issuer may recover the Retrieval Request fee specified in Volume I—General Rules,
Section 8.4.B.
2. If documentation is sent to the opposing Member, the Dispute Resolution Form (Exhibit 2E-2) must also be provided.
3. If a Member Message Text is all that is required to support a Chargeback or Representment, use of Dispute Resolution Form
4. The Acquirer must not reassess the Retrieval Request fee to the Issuer.
5. For Reason Code 81 involving an Airline Transaction, and for Reason Code 83, an Acquirer may represent with compelling
evidence of Cardholder participation.
Dispute Fraud
Group A fraududent Transaction was processed, or the Account Number used to process the Transaction was fictitious
2 or no longer valid, or a Merchant was identified by the Merchant Fraud Performance Program.
35
Group 2—Fraud
36
Dispute Fraud
Group
Reason Code 57 Fraudulent Multiple Transactions
Multiple Transactions occurred on a single Card at the same Merchant Outlet without the Cardholder’s permission.
All of the following:
a. All disputed Transactions occurred at the same Merchant Outlet.
b. Cardholder acknowledges participating in at least 1 Transaction at the same Merchant Outlet.
c. Cardholder denies authorizing or participating in the disputed Transaction.
d. Card was in Cardholder’s possession at the time of the disputed Transaction.
1. Issuer must make a Retrieval Request for the disputed 1. Representment is invalid if Acquirer failed to respond to Retrieval
Transactions. Request or responded with a Nonfulfillment Message code “03” or
2. Chargeback is invalid for Card-Absent Environment “04.”
Transactions.
3. Chargeback is invalid for Chip-initiated Transactions when
Online or offline PIN was obtained.
4. Chargeback is invalid for delayed or amended charges.
5. Chargeback minimum for a T&E Transaction is US $25 or
equivalent.
The Transaction Receipts may contain different Transaction Dates and amount.


RR DATE MMDDYY, if requested Either that applies:
Transaction Receipts not fulfilled. 1. CRED MMDDYY ARN X...X
Documentation: (23 or 25 digits)
All of the following: 2. REVERSAL MMDDYY
1. Exhibit 2E-2 Issuer
Documentation:
None required.
Dispute Fraud
Group
2
37

38
Dispute Fraud
Group



Documentation:
None required.

None required.
Documentation:
2. Effective for Chargebacks initiated
on or after 15 November 2008,
unquestionable evidence to
demonstrate the Cardholder
participated in the disputed
Transactions
3. Evidence that Transactions were
key-entered (if applicable)
4. Evidence that Transactions were
Chip-initiated and Online or offline PIN
was obtained (if applicable)
5. Evidence that Transactions represent
valid delayed or amended charges for a
T&E Transaction
Dispute Fraud
Group
2
39

40
Dispute Fraud
Group
Reason Code 62 Counterfeit Transaction
A Counterfeit Card was used for a Magnetic-Stripe or Chip-initiated Transaction that received Authorization but the
Authorization Request did not include the required data, or contained altered data.
Condition Description Page
1 All of the following: 41

a. Cardholder denies authorizing or participating in the disputed Transaction
b. Card Verification Value was encoded on the Magnetic Stripe or Chip of the Card in question
c. Authorization was obtained without transmission of the entire unaltered data on track 1 or 2
d. Issuer reported this Transaction as counterfeit Fraud Activity through VisaNet
2 Cardholder denies authorizing or participating in the disputed Transaction and both of the following (for qualifying 45
Transactions and effective dates, refer to Additional Information):1, 2
a. Card is a Chip Card containing a Visa or Visa Electron Smart Payment Application or an EMV and VIS-Compliant
Plus application
b. Card-Present Transaction did not take place at a Chip-Reading Device and was not a Fallback Transaction
completed following correct acceptance procedures as defined in the Visa International Operating Regulations
1. Prior to initiating a Chargeback, the Issuer should research relevant data in the Authorization message.
2. For a dispute involving an ATM Transaction, the Issuer must make a pre-Arbitration attempt prior to filing for Arbitration if the ATM
Transaction Record is required.
3. The Issuer must certify in the pre-Arbitration attempt that the ATM Transaction Record is required by the Cardholder or for legal or
insurance purposes.
4. For Representment Rights and Limitations 2, an Acquirer must provide information/documentation such as evidence indicating Card
Account Number was not listed on the Exception File, or account was not closed, or Transaction was not reported as fraud.
1.
A variance to this requirement applies in the jurisdictions of the Latin America and Caribbean and U.S.A. Regions, to exclude Transactions
involving Issuers and Acquirers from those Visa Regions.
2.
A variance to this requirement applies in the jurisdiction of the Asia-Pacific Region, to exclude ATM Cash Disbursement Transactions
involving Issuers and Acquirers from that Visa Region.
1. The Issuer must meet all of the following conditions on or 1. The Acquirer or Load Acquirer must have been certified as a Card
before the Chargeback Processing Date: Verification Service participant at the time the Authorization
a. Close the Cardholder account occurred.
b. List the Account Number on the Exception File with a 2. For a Representment due to an Issuer failing to meet the
Pickup Response, for a minimum of 30 calendar days requirements specified in Chargeback Rights and Limitations 1, the
c. Report the Fraud Activity through VisaNet Acquirer must provide information/documentation to support this
2. Chargeback is invalid for key-entered Transactions. claim.
3. Chargeback is invalid for Chip-initiated and offline-authorized
Transactions.
4. Chargeback is invalid if Issuer was not a Card Verification
Service participant at the time the Transaction occurred.
insurance purposes.
Dispute Fraud
Group
2
41

42
Dispute Fraud
Group

5. Chargeback is invalid if the Card Verification Value was not

encoded on the Magnetic Stripe or the Chip of the Card in
question.
6. Chargeback is invalid for Transactions if either:
a. The V.I.P. System Authorization Record POS Entry Mode
code value
b. All data elements that create the EMV Online Card
Authentication Cryptogram are contained in the message
7. Chargeback is invalid for Transactions completed with a
Proprietary Card bearing the Plus Symbol.
insurance purposes.


For an ATM Transaction: Either that applies:
CH DISP, CVV ENCODED, FRD RPT, ISS 1. CRED MMDDYY ARN X...X
CVS PARTICIPANT (23 or 24 digits)
Documentation: 2. REVERSAL MMDDYY
For an ATM Transaction, none required. Documentation:
For all other Transactions, both: None required.
1. Exhibit 2E-2 Issuer certifying all of the
following:
a. Card Verification Value was
encoded on the Card in question
b. Closed the Account Number
c. Listed the Account Number on the
Exception File with a Pickup
Response, for a minimum of
30 calendar days
d. Reported the Fraud Activity through
VisaNet
e. Issuer was a participant in the Card
Verification Service at the time of
Authorization
2. Cardholder letter denying authorization
or participation in the Transaction
Dispute Fraud
Group
2
43

44
Dispute Fraud
Group



Documentation:
As applicable.

1. AUTH DATE MMDDYY CODE X...X POS
XX (Specify POS Entry Mode code value)
2. AUTHENTICATION CRYPT IN AUTH
Documentation:
None required.
Cardholder denies authorizing or participating in the disputed Transaction and both of the following (for qualifying Transactions and effective
dates, refer to Additional Information):
a. Card is a Chip Card containing a Visa or Visa Electron Smart Payment Application or an EMV and VIS-Compliant Plus application
b. Card-Present Transaction did not take place at a Chip-Reading Device and was not a Fallback Transaction completed following
correct acceptance procedures as defined in the Visa International Operating Regulations
1. The Issuer must meet all of the following conditions on or before 1. The Acquirer or Load Acquirer must have been certified as a
the Chargeback Processing Date: Card Verification Service participant at the time the Authorization
a. Close the Cardholder account occurred.
b. List the Account Number on the Exception File with a Pickup 2. For a Representment due to an Issuer failing to meet the
Response, for a minimum of 60 calendar days requirements specified in Chargeback Rights & Limitations 1, the
c. Report the Fraud Activity through VisaNet using Fraud Type Acquirer must provide information/documentation to support this
code 4 claim.
2. Chargeback is invalid for all Chip-initiated Transactions, and all
EMV and VIS-Compliant Plus Transactions processed using
Chip-read data.
3. Chargeback is invalid if Authorization record contains a POS
Entry Mode code value and the Service Code encoded on the
Magnetic Stripe of the Card does not indicate the presence of a
Chip.
Dispute Fraud
Group
2
45

46
Dispute Fraud
Group
Chargeback Condition Code 2 (continued)

insurance purposes.
and ATM devices.
Effective 1 October 2010, the EMV Liability Shift Principles, as specified in Volume I—General Rules, Section 3.3.B and Volume I—
General Rules, Section 4.3, apply to all Interregional Transactions.


EMV CARD, NON EMV DEVICE, EXCP Either that applies:
FILE, FRD RPT, ACC CLOSED 1. CRED MMDDYY ARN X...X
Both: 2. REVERSAL MMDDYY
1. Exhibit 2E-2 Issuer certifying all of the Documentation:
following: None required.
a. Closed the Account Number
b. Listed the Account Number on the
Exception File with a Pickup
Response, for a minimum of
60 calendar days
c. Reported the Fraud Activity through
VisaNet using Fraud Type code 4
2. Cardholder letter denying Authorization
Dispute Fraud
Group
2
47

48
Dispute Fraud
Group


2. Issuer did not meet the Chargeback Member Message Text:

conditions. 1. X...X (Specify the reason)
2. EMV DEVICE, POS, NON CHIP SVCE
CODE
3. EXCP FILE NOT LSTD, FRD NOT RPT,
ACC NOT CLSD
Documentation:
As applicable.

X...X (Specify the reason)
Documentation:
None required.
Dispute Fraud
Group
2
49

50
Dispute Fraud
Group
Reason Code 81 Fraud—Card-Present Environment
A Merchant did not obtain an Imprint and a signature (or a PIN) in a Card-Present Environment, and the Merchant completed
the Transaction without the Cardholder’s permission, or a Transaction was processed with a Fictitious Account Number, or
no valid Card was outstanding bearing the Account Number on the Transaction Receipt.
1 Cardholder did not authorize or participate in a Card-Present Environment Transaction. 51
2 Fraudulent Transaction was completed in a Card-Present Environment using a Fictitious Account Number or no valid Card 55
was issued or outstanding that bears the Account Number and no Authorization was obtained.
3 Card is a PIN-Preferring Chip Card and either (for qualifying Transactions and effective dates, refer to Additional 59
Information):1
a. Card-Present Environment Transaction did not take place at a Chip-Reading Device and was not a Fallback
Transaction completed following correct acceptance procedures, as specified in the Visa International Operating
Regulations
b. Chip-initiated Transaction took place at a device that was not EMV PIN-compliant
1. “Signature on file” notation is not an acceptable signature.
apply to all Intraregional Transactions in the jurisdiction of the CEMEA Regional Office. This includes Transactions occurring at POS
devices.
Account Number was not listed on the Exception File, or account was not closed, or Transactions were not reported as fraud.
4. Pencil rubbing of Card or photocopy of Card is not considered proof of a valid Imprint.
1.
A variance to this requirement applies in the jurisdictions of the Latin America and Caribbean, U.S.A., and Asia-Pacific Regions, to exclude
Transactions involving Issuers and Acquirers from those Visa Regions.
Cardholder did not authorize or participate in a Card-Present Environment Transaction.
1. Issuer must request a copy of the Transaction Receipt prior to 1. For a Representment due to an Issuer failing to meet the
exercising Chargeback unless Transaction is one of the requirements specified in Chargeback Rights and Limitations 2,
following: the Acquirer must provide information/documentation to support
a. Magnetic-Stripe Telephone this claim.
b. Cardholder-Activated Transaction Type B 2. Representment is invalid if Acquirer failed to respond to Retrieval
2. The Issuer must meet all of the following conditions on or before Request or responded with a Nonfulfillment Message code “03”
the Chargeback Processing Date: or “04,” or provided a Fulfillment which does not contain all the
a. Close the Cardholder account required data elements, as specified in Section 1.3.C.
b. List the Account Number on the Exception File with a Pickup
Response, for a minimum of 30 calendar days
c. Report the Fraud Activity through VisaNet
3. One Chargeback may contain up to 25 Magnetic-Stripe
Telephone Transactions if all of the following are true:
a. Each Transaction amount is less than US $40
b. All of the Transactions appear on Summary of Unauthorized
Telephone Service Transactions (Exhibit 2F)
c. Chargeback uses the Acquirer Reference Number/Tracing
Data of the earliest Transaction
4. Chargeback is invalid for a Chip-initiated Transaction that
contains either:
a. Valid Cryptogram with a PIN
b. Card certificate
5. Chargeback is invalid if both of the following were obtained:
a. A legible Imprint for the Transaction in question
b. Signature or PIN
6. Chargeback is invalid for an ATM Transaction.
Dispute Fraud
Group
2
51

52
Dispute Fraud
Group

7. Chargeback is invalid for all Cardholder-Activated Transactions

Type B that both:
a. Originated with a Counterfeit Card
b. Received an Approval Response that included a POS Entry
Mode code
8. Chargeback invalid for Cardholder-Activated Transaction Type A
(excluding Magnetic-Stripe Telephone Transactions)
equivalent.
10. Chargeback invalid for a Small Ticket Transaction.


RR DATE MMDDYY, if requested Either that applies:
Transaction Receipts not fulfilled 1. CRED MMDDYY ARN X...X
All of the following: 2. REVERSAL MMDDYY
1. Exhibit 2E-2 Issuer certifying Issuer Documentation:
completed all of the following on or None required.
before the Chargeback Processing Date
a. Closed the Account Number 2. Issuer did not meet the applicable Member Message Text:
b. Listed the Account Number on the Chargeback conditions. X...X (Specify the reason)
Exception File with a Pickup Documentation:
Response, for a minimum of As applicable.
30 calendar days
VisaNet
2. Cardholder letter denying Authorization
3. Effective through 31 December 2007,
Transaction Receipt, if received
4. The information required on the
Summary of Unauthorized Telephone
Service Transactions (Exhibit 2F) if
applicable
Dispute Fraud
Group
2
53

54
Dispute Fraud
Group



None required.
Documentation:
Exhibit 2E-2 Acquirer and one of the
following:
1. Evidence of both:
a. A legible Imprint for the Transaction
in question
b. A signature or PIN
2. For a below-Floor Limit Transaction,
evidence of signature or PIN and
internal record or log proving Magnetic-
Stripe read or Chip-initiated, with
explanation of fields
3. For an above-Floor Limit Transaction
that was key-entered following a
Referral Response, all of the following:
a. Referral Authorization record
proving Magnetic-Stripe read or
Chip-initiated within 24 hours of the
Transaction
b. International Automated Referral
Service log
c. Evidence of signature or PIN
4. For an Airline Transaction only,
compelling evidence that the Cardholder
participated in the Airline Transaction
Fraudulent Transaction was completed in a Card-Present Environment using a Fictitious Account Number or no valid Card was issued or
outstanding that bears the Account Number and no Authorization was obtained.
1. Issuer must request a copy of the Transaction Receipt prior to 1. For a Representment due to an Issuer failing to meet the
exercising Chargeback unless Transaction is one of the requirements specified in Chargeback Rights and Limitations 2,
following: the Acquirer must provide information/documentation to support
a. Magnetic-Stripe Telephone this claim.
b. Cardholder-Activated Transaction Type B 2. Representment is invalid if Acquirer failed to respond to a
2. One Chargeback may contain up to 25 Magnetic-Stripe Retrieval Request or responded with a Nonfulfillment Message
Telephone Transactions if all of the following are true: code “03” or “04,” or provided a Fulfillment which does not
a. Each Transaction amount is less than US $40 contain all the required data elements, as specified in
b. All of the Transactions appear on Summary of Unauthorized Section 1.3.C.
3. Chargeback is invalid if the Transaction received an
Authorization.
4. Chargeback is invalid for a Chip-initiated Transaction that
contains either:
a. Valid Cryptogram with a PIN
b. Card certificate
a. A legible Imprint for the Transaction in question
b. Signature or PIN
Dispute Fraud
Group
2
55

56
Dispute Fraud
Group

7. Chargeback is invalid for an ATM Transaction.

8. Chargeback is invalid for Cardholder-Activated Transactions
Type A (excluding Magnetic-Stripe Telephone Transactions).
9. For a Cardholder-Activated Transaction Type B, Account
Number must both:
a. Be listed on the Exception File with a Pickup Response on or
before the Chargeback Processing Date
b. Remain on the Exception File for a minimum of 90 calendar
days following the Chargeback
equivalent.


Either as applicable: Either that applies:
1. NO SUCH CARD 1. CRED MMDDYY ARN X...X
2. FICTITIOUS ACCOUNT NUMBER, and (23 or 24 digits)
if requested Transaction Receipt not 2. REVERSAL MMDDYY
fulfilled: Documentation:
3. RR DATE MMDDYY None required.
Documentation:
None required. 2. Issuer did not meet the applicable Member Message Text:
Chargeback conditions. X...X (Specify the reasons)
Documentation:
As applicable.
Dispute Fraud
Group
2
57

58
Dispute Fraud
Group



AUTH DATE MMDDYY CODE X...X
(if applicable)
Documentation:
following:
1. Evidence of both:
a. A legible Imprint for the Transaction in
question
b. A signature or PIN
2. For a below-Floor Limit Transaction,
evidence of signature or PIN and internal
record or log proving Magnetic-Stripe
read or chip-initiated, with explanation of
fields
3. For an above-Floor Limit Transaction that
was key-entered following a Referral
Response, all of the following:
a. Referral Authorization record proving
Magnetic-Stripe read or Chip-initiated
within 24 hours of the Transaction
b. International Automated Referral
Service log
c. Evidence of signature or PIN
Card is a PIN-Preferring Chip Card and either (for qualifying Transactions and effective dates, refer to Additional Information):
a. Card-Present Environment Transaction did not take place at a Chip-Reading Device and was not a Fallback Transaction completed
following correct acceptance procedures, as specified in the Visa International Operating Regulations
1. Validity of the Chargeback is not dependent on Authorization. None.

2. The Issuer must meet all of the following conditions on or before
the Chargeback Processing Date:
a. Close the Cardholder account
b. List the Account Number on the Exception File with a Pickup
c. Report the Fraud Activity through VisaNet using Fraud Type
codes 0, 1 or 2
3. Chargeback is invalid if the Device is EMV PIN-Compliant and
the Transaction was correctly processed to completion in
accordance with EMV and VIS using the Chip Card data.
a. Valid imprint for the Transaction in question
b. PIN
Dispute Fraud
Group
2
59

60
Dispute Fraud
Group


1. PIN PREFERRING CHIP CARD, Either that applies:
DEVICE NON PIN COMP 1. CRED MMDDYY ARN X...X
2. EMV CARD, NON EMV DEVICE (23 or 24 digits)
All of the following: Documentation:
1. Exhibit 2E-2 Issuer certifying all of the None required.
following:
a. Closed the Account Number 2. Issuer did not meet the applicable Member Message Text:
b. Listed the Account Number on the Chargeback conditions. Either that applies:
Exception File with a Pickup 1. X...X (Specify the reasons)
Response, for a minimum of (23 or 24 digits)
60 calendar days 2. EMV PIN COMPL DVCE, NON PIN PREF
c. Reported the Fraud Activity through CD
VisaNet 3. NO PED, MAG STRIPE READ
d. Issuer certification that the Card was 4. PIN BYPASS, CVM/IAC FOLLOWED
a PIN-Preferring Chip Card 5. EXCP FILE NOT LSTD, FRD NOT RPT,
2. Cardholder letter denying Authorization ACC NOT CLSD
or participation in the Transaction Documentation:
As applicable.



(if applicable)
Documentation:
Exhibit 2E-2 Acquirer and evidence of both:
1. A valid imprint for the Transaction in
question
2. PIN
Dispute Fraud
Group
2
61

62
Dispute Fraud
Group
Reason Code 83 Fraud—Card-Absent Environment
A Mail/Phone Order, Recurring, or Electronic Commerce Transaction was processed without the Cardholder’s permission,
or a Fictitious Account Number was used, or no valid Card was outstanding bearing the Account Number on the Transaction
Receipt.
1 Cardholder did not authorize or participate in a Card-Absent Environment Transaction. 63
2 No valid Card was issued or outstanding that bears the Account Number, or a fraudulent Transaction was completed in a 68
Card-Absent Environment using a Fictitious Account Number and no Authorization was obtained.
1. An Electronic Commerce Merchant identified by the Global Merchant Chargeback Monitoring Program must include ECI value “7” and is
subject to this Chargeback for the period of time it remains in the Global Merchant Chargeback Monitoring Program, plus 3 additional
months.
2. “Signature on file” notation is not an acceptable signature.
3. An Issuer must report all Fraud Activity, as specified in Volume I—General Rules, Section 3.13.A.
Account Number was not listed on the Exception File, or account was not closed, or Transactions were not reported as fraud.
5. Pencil rubbing of Card or photocopy of Card is not considered proof of a valid Imprint.
Cardholder did not authorize or participate in a Card-Absent Environment Transaction.
1. If Mail/Phone Order, Electronic Commerce, or Recurring 1. For a Representment due to an Issuer failing to meet the
Transaction indicator is not present in the Clearing Record, requirements as specified in Chargeback Rights and
Issuer must request a copy of the Transaction Receipt prior to Limitations 2, the Acquirer must provide information/
exercising the Chargeback. documentation to support this claim.
2. On or before the Chargeback Processing Date, the Issuer must 2. Representment is invalid if Acquirer failed to respond to Retrieval
complete all of the following: Request or responded with a Nonfulfillment Message code “03”
a. Close the Cardholder account or “04,” or provided a Fulfillment which does not contain all the
b. List the Account Number on the Exception File with a Pickup required data elements as specified in Section 1.3.C.
c. Report the Fraud Activity through VisaNet
3. One Chargeback may contain up to 25 Telephone Service
Transactions if all of the following are true:
a. Amount of each Transaction is less than US $40
b. All Transactions appear on the Summary of Unauthorized
4. Chargeback is valid for an Electronic Commerce Transaction
where the Issuer responded to an Authentication Request with
either:
a. An Unable-to-Authenticate Response or Authentication
Denial
b. A Cardholder Authentication Verification Value and
Authentication Identifier, but either the:
i. Acquirer did not provide a Cardholder Authentication
Verification Value in the Authorization Request
ii. Cardholder Authentication Verification Value results
code is “0”
Dispute Fraud
Group
2
63

64
Dispute Fraud
Group

5. Chargeback does not apply to Secure Electronic Commerce

Transaction if both:
a. Issuer responded to an Authentication Request with an
Authentication Confirmation using 3-D Secure
b. Both of the following were included in the Authorization
Request:
i. Cardholder Authentication Verification Value
ii. Authentication Identifier
6. Chargeback does not apply to a Non-Authenticated Security
Transaction1 coded with ECI value “6” if either:
a. Issuer responded to an Authentication Request with a Non-
Participation Message
b. Both:
i. Issuer responded to an Authentication Request with
an Attempt Response using 3-D Secure
ii. A Cardholder Authentication Verification Value and
Authentication Identifier were included in the
Authorization Request
7. Chargeback is invalid for Transactions authorized through the
Emergency Payment Authorization Service.
equivalent.
1. Excludes anonymous Prepaid Card Transactions, Visa Commercial Card Transactions, and Transactions conducted in New Channels.

9. Chargeback is invalid for Transactions where both:

a. The Card Verification Value 2 results code in the
Authorization message is “U – Issuer not participating in
CVV2 program”
b. The Card Verification Value 2 presence indicator in the
Authorization Request is one of the following:
i. “1 – CVV2 value is present”
ii. “2 – CVV2 value is on the Card but is illegible”
iii. “9 – Cardholder states CVV2 is not present on the
Card”
Dispute Fraud
Group
2
65

66
Dispute Fraud
Group


1. RR DATE MMDDYY, if requested Either that applies:
Transaction Receipts not fulfilled 1. CRED MMDDYY ARN X...X
2. If first Chargeback Rights and Limitations (23 or 24 digits)
Condition 4: 2. REVERSAL MMDDYY
a. UNABLE TO AUTHENTICATE Documentation:
RESPONSE As applicable.
b. AUTHENTICATION DENIAL
c. CAVV AND AUTHENTICATION
IDENTIFIER MISSING IN AUTH
d. SEE 3-D SECURE RESPONSE SENT
MMDDYY
Documentation:
1. Exhibit 2E-2 Issuer certifying that the Issuer
completed all of the following on or before the
Chargeback Processing Date:
a. Closed the Account Number
b. Listed the Account Number on the
Exception File with a Pickup Response,
for a minimum of 30 calendar days
VisaNet
2. Cardholder letter denying authorization or
participation in the Transaction
3. Effective through 31 December 2007,
Transaction Receipt, if received
4. The information required on the Summary of
Unauthorized Telephone Service
Transactions (Exhibit 2F) if applicable



Documentation:
As applicable.

None required.
Documentation:
2. Evidence of Imprint and signature or PIN
3. If a Secure Electronic Commerce or
Non-Authenticated Security Transaction
has an ECI value of “6,” proof that Issuer
responded to the Authentication Request
with a Cardholder Authentication
Verification Value and Authentication
Identifier (if applicable)
4. Compelling evidence that the Cardholder
participated in the Transaction
Dispute Fraud
Group
2
67

68
Dispute Fraud
Group
No valid Card was issued or outstanding that bears the Account Number, or a fraudulent Transaction was completed in a Card-Absent
Environment using a Fictitious Account Number, and no Authorization was obtained.
1. If Mail/Phone Order, Electronic Commerce, or Recurring 1. Representment is invalid if Acquirer failed to respond to Retrieval
Transaction indicator is not present in the Clearing Record, Request or responded with a Nonfulfillment Message code “03”
Issuer must request a copy of the Transaction Receipt prior to or “04,” or provided a Fulfillment which does not contain all the
exercising the Chargeback. required data elements as specified in Section 1.3.C.
2. Chargeback is invalid if Authorization was obtained.
3. One Chargeback may contain up to 25 Telephone Service
Transactions if all of the following are true:
a. Amount of each Transaction is less than US $40
b. All Transactions appear on the Summary of Unauthorized
4. Chargeback does not apply to Secure Electronic Commerce
Transaction if both:
a. Issuer responded to an Authentication Request with an
Authentication Confirmation using 3-D Secure
b. Both of the following were included in the Authorization
Request:
i. Cardholder Authentication Verification Value
ii. Authentication Identifier

5. Chargeback does not apply to a Non-Authenticated Security

Transaction1 coded with ECI value “6” if either:
a. Issuer responded to an Authentication Request with a
Non-Participation Message
b. Both:
i. Issuer responded to an Authentication Request with
an Attempt Response using 3-D Secure
ii. A Cardholder Authentication Verification Value and
Authentication Identifier were included in the
Authorization Request
6. Chargeback is invalid for Transactions authorized through the
Emergency Payment Authorization Service.
equivalent.
8. Chargeback is invalid for Transactions where both:
a. The Card Verification Value 2 results code in the
Authorization message is “U — Issuer not participating in
CVV2 program”
b. The Card Verification Value 2 presence indicator in the
Authorization Request is one of the following:
i. “1 – CVV2 value is present”
ii. “2 – CVV2 value is on the Card but is illegible”
iii. “9 – Cardholder states CVV2 is not present on the
Card”
1. Excludes anonymous Prepaid Card Transactions, Visa Commercial Card Transactions, and Transactions conducted in New Channels.
Dispute Fraud
Group
2
69

70
Dispute Fraud
Group


1. NO SUCH CARD Either that applies:
2. FICTITIOUS ACCOUNT NUMBER, and 1. CRED MMDDYY ARN X...X
if requested Transaction Receipt not (23 or 24 digits)
fulfilled: 2. REVERSAL MMDDYY
3. RR DATE MMDDYY Documentation:
Documentation: None required.
None required.
Documentation:
None required.

AUTH MMDDYY CODE X...X (If applicable)
Documentation:
2. Evidence of Imprint and signature or PIN
3. If a Secure Electronic Commerce or Non-
Authenticated Security Transaction has
an ECI value of “6,” proof that Issuer
responded to the Authentication Request
with a Cardholder Authentication
Verification Value and Authentication
Identifier (if applicable)
Dispute Fraud
Group
2
71

72
Dispute Fraud
Group
Reason Code 93 Merchant Fraud Performance Program
Visa notified the Issuer that the Transaction is identified by the Merchant Fraud Performance Program.
Both:
a. Visa notified the Issuer that the Transaction is identified by the Merchant Fraud Performance Program
b. Issuer had not successfully charged back the Transaction for another reason
1. The Chargeback is invalid for Emergency Cash Disbursements. None.
1. If an Issuer has charged back the Transaction using another reason code and the Acquirer successfully represented, the Issuer may
charge back the Transaction as a second first Chargeback only when Notification is received that the Merchant is identified by the
Merchant Fraud Performance Program. The time limit for the second Chargeback begins with the date the Notification is received.

Both:
a. Visa notified the Issuer that the Transaction is identified by the Merchant Fraud Performance Program
b. Issuer had not successfully charged back the Transaction for another reason

MFP RPT DT MMDDYY Either that applies:
2. REVERSAL MMDDYY
Documentation:
None required.

Chargeback conditions. X...X (Specify the reasons)
Documentation:
None required.

PREV CB MMDDYY RC XX
Documentation:
None required.
Dispute Fraud
Group
Reason Code 93 Merchant Fraud Performance Program
2
73

Group 3—Authorization
74
Dispute Authorization
Group
A Merchant or Member failed to follow the proper Authorization procedures.
70 Card Recovery Bulletin or Exception File
A Merchant did not check the Card Recovery Bulletin or Exception File for a Transaction with an amount that was below the Floor
Limit.
71 Declined Authorization
A Merchant completed a Transaction after an Authorization Request received a Decline Response.
72 No Authorization
Authorization was required for a Transaction, but the Merchant did not obtain Authorization.
73 Expired Card
A Merchant completed a Transaction with a Card that expired prior to the Transaction Date, and the Merchant did not obtain
Authorization.
78 Service Code Violation
Effective until 4 April 2008, Authorization was not obtained for a Magnetic-Stripe read Transaction on a Visa Electron Card.
Effective on or after 5 April 2008, Authorization was not obtained for a Magnetic-Stripe read Transaction on a Visa Electron Card
or a Visa Card in a registered mandatory positive Authorization (Service Code) account range.
GENERAL REQUIREMENTS FOR DISPUTE GROUP 3—AUTHORIZATION

The Chargeback time limit is 75 calendar days from the Transaction Processing Date.


1. Chargeback is invalid for Transactions authorized through the Emergency Payment Authorization Service.
2. Chargeback minimum for a T&E Transaction is US $25 or equivalent.
3. For Chargeback Reason Codes 70, 71, 72, 73, Chargeback is invalid for a T&E Transaction if Account Number was not listed on
the Exception File with a negative response on the Chargeback Processing Date.

1. Special Authorization procedures are described in the following sections of the Visa International Operating Regulations
• Hotel and Car Rental Company Transactions: Volume I—General Rules, Section 5.1.E.4
• Cruise Line Transactions: Volume I—General Rules, Section 5.1.E.6
• Mail/Phone Order or Electronic Commerce Transactions: Volume I—General Rules, Section 5.1.E.9.b
• Automated Fuel Dispenser Transactions: Volume I—General Rules, Section 5.1.E.11
2. If the Member’s Authorization records conflict, the V.I.P. System Authorization record will prevail at Arbitration.
6. Prior to initiating a Chargeback, an Issuer should verify that an Authorization was not obtained.
Group
A Merchant or Member failed to follow the proper Authorization procedures.
3
75
Group 3—Authorization
76
Group
Reason Code 70 Card Recovery Bulletin or Exception File
A Merchant did not check the Card Recovery Bulletin or Exception File for a Transaction with an amount that was below the
Floor Limit.

a. Transaction was below the Merchant’s Floor Limit
b. Merchant did not obtain Authorization
c. Account Number was listed in the Card Recovery Bulletin in the jurisdiction of the Merchant’s Visa Regional Office
on the Transaction Date

c. Merchant did not perform Account Number Verification
d. Both:
i. Transaction originated at a U.S. Merchant Outlet
ii. Account Number was listed on the Exception File with a Pickup Response by 4 a.m. Greenwich Mean Time
on the date preceding the Transaction Date
c. Account Number was listed in the Card Recovery Bulletin in the jurisdiction of the Merchant’s Visa Regional Office on the Transaction
Date
1. If the Transaction Date was not transmitted in the Clearing None.

Record, Chargeback is valid if the Account Number is listed on
the Card Recovery Bulletin within 10 calendar days prior to the
Transaction Processing Date.
equivalent.
3. Chargeback is invalid for Transactions that took place at a
Chip-Reading Device (for qualifying Transactions and effective
dates, refer to Additional Information).1
1. A variance to this requirement applies in the jurisdiction of the Latin America and Caribbean and U.S.A. Regions, to exclude Transactions involving
Issuers and Acquirers from those Visa Regions.
Group
3
77

78
Group

c. Account Number was listed in the Card Recovery Bulletin in the jurisdiction of the Merchant’s Visa Regional Office on the Transaction
Date
1. Chargeback is valid whether or not a specific Account Number in a blocked BIN appears in the Card Recovery Bulletin or Exception File.
2. For a T&E Transaction, the Transaction date is the check-in, car rental, or embarkation date.
3. For purposes of establishing an Issuer’s Chargeback rights, Visa assumes that a Merchant has received the Card Recovery Bulletin both:
a. As of the effective date for its location. The Card Recovery Bulletin becomes effective on Saturday of the publication week and remains
valid until the next edition’s effective date.
b. Regardless of how the Acquirer distributes the Card Recovery Bulletin listings
devices.
includes Transactions occurring at POS devices.

c. Account Number was listed in the Card Recovery Bulletin of the Merchant’s Visa Region on the Transaction Date

LISTED CRB DATE MMDDYY CRB Either that applies:
REGION XX 1. CRED MMDDYY ARN X...X
None required. 2. REVERSAL MMDDYY
Documentation:
None required.

Documentation:
None required.
Group
3
79

80
Group

c. Account Number was listed in the Card Recovery Bulletin of the Merchant’s Visa Region on the Transaction Date


As applicable:
1. ACCT NUM NOT ON CRB TRAN DATE
MMDDYY
2. CHECK-IN DATE MMDDYY
3. RENTAL DATE MMDDYY
4. EMBARK DATE MMDDYY
5. AUTH DATE MMDDYY CODE X...X
6. EMV DEVICE, CRB N/A
Documentation:
Evidence that the Transaction was
Chip-initiated and offline-authorized,
if applicable.
d. Both:
ii. Account Number was listed on the Exception File with a Pickup Response by 4 a.m. Greenwich Mean Time on the date
preceding the Transaction Date
1. If the Transaction Date was not transmitted in the Clearing None.

Record, Chargeback is valid if the Account Number Verification
was performed or the Account Number was listed on the
Exception File within 10 calendar days prior to the Transaction
Processing Date.
equivalent.
1. Chargeback is valid whether or not a specific Account Number in a blocked BIN appears in the Card Recovery Bulletin or Exception File.
2. For a T&E Transaction, the Transaction date is the check-in, car rental, or embarkation date.
Group
3
81

82
Group

d. Both:
ii. Account Number was listed on the Exception File with a Pickup Response by 4 a.m. Greenwich Mean Time on the date
preceding the Transaction Date

LISTED EXCEPT FILE MMDDYY Either that applies:
2. REVERSAL MMDDYY
Documentation:
None required.

Documentation:
None required.

As applicable:
ACCT NUM NOT ON EXCPT FILE TRAN
DATE MMDDYY
Documentation:
Evidence that the Transaction was
if applicable.
Group
3
83

84
Group
Reason Code 71 Declined Authorization
A Merchant completed a Transaction after an Authorization Request received a Decline Response.

1 Authorization Request received a Decline or Pickup Response and a Merchant completed the Transaction. 85
2 Both: 87
a. Authorization Request for a Magnetic-Stripe read or Chip-initiated Transaction received a Decline, Pickup, or
Referral Response and subsequent Authorization was obtained by a means other than Voice Authorization and
Merchant completed the Transaction
b. Transaction is Counterfeit
3 All of the following (for qualifying Transactions and effective dates, refer to Additional Information):1 91
a. Chip-Reading Device transmitted all data elements that create the EMV-Online Card Authentication Cryptogram with
a POS Entry value
b. Authorization Response was a Referral Response
c. Authorization Request was approved by means other than Voice Authorization
d. Approved Transaction is fraudulent
e. Issuer reported the Transaction as Fraud Activity through VisaNet
f. Account Number was resident on the Exception File with a Pickup Response on the Processing Date of the
Chargeback, and was on the Exception File for a total period of at least 60 calendar days from the date of listing
1. Chargeback is valid for Transactions above or below the Floor Limit when a Decline Response was received.
devices.
1. A variance to this requirement applies in the jurisdictions of the Latin America and Caribbean and U.S.A. Regions, to exclude Transactions involving
Authorization Request received a Decline or Pickup Response and a Merchant completed the Transaction.
1. Chargeback is invalid if Authorization was obtained as a result of None.

Visa Stand-In Processing.
2. For Hotels, Car Rental Companies, and Cruise Lines that
rendered services, Chargeback is limited to the amount over the
Floor Limit if the Account Number was not listed in the Card
Recovery Bulletin on the rental, check-in, or embarkation date.
3. Chargeback is invalid for a T&E Transaction if the Account
Number was not listed on the Exception File with a negative
response on the Chargeback Processing Date.
equivalent.
Group
3
85

86
Group

Authorization Request received a Decline or Pickup Response and a Merchant completed the Transaction.

AUTH DECLINED MMDDYY Either that applies:
2. REVERSAL MMDDYY
Documentation:
None required.

Documentation:
None required.

2. TRAN DATE IS MMDDYY NOT
MMDDYY
Documentation:
1. For a dispute involving special
Authorization procedures, both:
a. Exhibit 2E-3 Acquirer
b. Certification of Special Authorization
Representment Amount (Exhibit 3C)
2. Evidence that the Transaction was
Chip-initiated and offline-authorized, if
applicable
Both:
a. Authorization Request for a Magnetic-Stripe read or Chip-initiated Transaction received a Decline, Pickup, or Referral Response and
subsequent Authorization was obtained by a means other than Voice Authorization and Merchant completed the Transaction
1. Chargeback is valid if either: None.

a. Authorization was obtained by a means other than Voice
Authorization after a Referral, Decline, or Pickup Response
as a result of Transaction occurring at a Magnetic-Stripe
Terminal or Chip-Reading Device that transmitted the entire
unaltered contents of the Magnetic Stripe or Magnetic-Stripe
Image with a POS Entry Mode code value
b. Chip-Reading Device provided an Online Authorization
Response that was a Decline
2. Chargeback is valid if both:
a. Authorization Request was processed through the
International Automated Referral Service
b. Decline Response was provided
3. Chargeback is invalid if Authorization was obtained as a result of
Visa Stand-In Processing, as specified in Volume I—General
Rules, Section 3.2.A.2.e
4. For Hotels, Car Rental Companies, and Cruise Lines that
rendered services, Chargeback is limited to the amount over the
Floor Limit if the Account Number was not listed in the Card
Recovery Bulletin on the rental, check-in, or embarkation date.
equivalent.
Group
3
87

88
Group

Both:
1. Visa recommends that the Issuer provide a copy of either:
a. International Automated Referral Service log reflecting the Issuer’s Decline Response
b. Issuer’s internal Authorization log containing the following elements:
1. Date and time the call was received from the International Automated Referral Service
2. Account Number
3. Transaction amount
4. Issuer response

Both:

ISS CERT TX COUNTERFEIT Either that applies:
Either, as applicable: (23 or 24 digits)
1. Exhibit 2E-3 Issuer with Issuer 2. REVERSAL MMDDYY
certification that the approved Documentation:
Transaction was Counterfeit and both None required.
the initial and subsequent Authorization
Requests contained the following 2. Issuer did not meet the applicable Member Message Text:
identical data: Chargeback conditions. X...X (Specify the reason)
a. Account Number Documentation:
b. Transaction Date None required.
c. Transaction amount
d. Merchant identification
2. Exhibit 2E-3 Issuer stating all of the
following:
a. Date and time the call was received
from the International Automated
Referral Service
b. Account Number
d. Issuer response
Group
3
89

90
Group

Both:


2. TRAN IS MMDDYY NOT MMDDYY
Documentation:
if applicable
All of the following (for qualifying Transactions and effective dates, refer to Additional Information):
a. Chip-Reading Device transmitted all data elements that create the EMV-Online Card Authentication Cryptogram with a POS Entry
value
f. Account Number was resident on the Exception File with a Pickup Response on the Processing Date of the Chargeback, and was on
the Exception File for a total period of at least 60 calendar days from the date of listing
None. None.
Group
3
91

92
Group

value

AUTH DECLINED MMDDYY Either that applies:
Exhibit 2E-3 Issuer with Issuer certification (23 or 24 digits)
of all of the following: 2. REVERSAL MMDDYY
1. The approved Transaction was Documentation:
fraudulent None required.
2. Both the initial and subsequent
Authorization Requests contained the
following identical data:
a. Account Number
b. Transaction Date
d. Merchant identification
3. The Account Number was resident on
the Exception File with a Pickup
Response on the Processing Date of the
Chargeback, and was on the Exception
File for a total period of at least 60
calendar days from the date of listing.

value


Documentation:
None required.

MMDDYY
Documentation:
Chip-initiated and offline-authorized, if
applicable
Group
3
93

94
Group
Reason Code 72 No Authorization
Authorization was required for a Transaction, but the Merchant did not obtain Authorization.
Transaction exceeded the Floor Limit and Authorization was not obtained on the Transaction Date.
1. Chargeback is invalid for a T&E Transaction if the Account For a T&E Transaction where special Authorization procedures were
Number was not listed on the Exception File with a negative followed, Representment is limited to the sum of the Authorization
response on the Chargeback Processing Date. amounts plus 15 percent.1 This total must not exceed the
2. Effective for Transactions completed on or after Transaction amount.
15 November 2008, Chargeback is invalid for Cardholder-
Activated Transaction Type A.
3. Chargeback is invalid if any of the following apply:
a. Authorization was processed through the International
Automated Referral Service
b. Transaction was authorized by Stand-In Processing
c. Authorized amount is greater than the Transaction amount
4. If Authorization was obtained for an amount less than the
Transaction amount, Chargeback is limited only to the amount
that was not authorized.
5. If a Partial Authorization was obtained for an amount less than
the Transaction amount, Chargeback is limited only to the
amount that was not authorized if the Clearing Record includes
the Authorization Code.
6. Authorization is invalid if Merchant used invalid or incorrect
Transaction data, as specified in the VisaNet manuals, for
example:
a. Incorrect Transaction Date
b. Incorrect Merchant Category Code
c. Incorrect indicator for the Merchant or Transaction type
d. Incorrect country code/state or special condition indicator
1. For a restaurant, up to 20 percent is allowed.


8. For an Automated Fuel Dispenser, effective for Transactions

completed on or after 15 November 2008, both:1
a. Chargeback is invalid if both Status Check Authorization was
obtained and one of the following:
1. For a Chip or PIN-initiated Transaction, the Transaction
amount is US $100 or less, or local currency equivalent
2. For all other Transactions, the Transaction amount is
US $75 or less, or local currency equivalent
b. Chargeback is valid only for the amount exceeding one of the
following:
1. Amount authorized by the Issuer
2. For a Chip or PIN-initiated Transaction, US $100, or local
currency equivalent
3. For all other Transactions, US $75, or local currency
equivalent
9. For an Automated Fuel Dispenser, effective for Transactions
completed 15 November 2008, Chargeback is invalid if both:2
a. Status Check Authorization was obtained
b. Transaction amount is US $50 or less, or local currency
equivalent
1. This provision is not applicable to Transactions involving Issuers or Acquirers in the jurisdiction of Visa Europe.
2. This provision is applicable only to Transactions involving Issuers or Acquirers in the jurisdiction of Visa Europe.
Group
3
95

96
Group

10. For a restaurant, if the Transaction amount is more than 20

percent greater than the authorized amount, Issuer may charge
back only the amount that exceeds the additional 20 percent.
11. Chargeback is valid only for the amount of the Transaction that
exceeds the Floor Limit if both:
a. Services were rendered for a Hotel, Car Rental Company, or
Cruise Line
b. Account Number was not on the Card Recovery Bulletin on
the Transaction Date
12. Chargeback is invalid if the Transaction and Billing Currencies
are different, and the Transaction amount is within 10 percent of
the Authorization amount (to allow for currency fluctuation.)
13. Chargeback is invalid if the Cardholder Authentication
Verification Value was not validated during Authorization of an
Electronic Commerce Transaction.
equivalent.
15. Chargeback is valid if the Transaction was a Chip-initiated,
Offline Authorized Transaction for an amount exceeding the
Merchant’s Floor Limit (for qualifying Transactions and effective

16. Authorization is invalid for Fallback Transactions where the

appropriate values identifying the Transaction as a Fallback
Transaction are not included in the Authorization message. For
Fallback Transactions, the Merchant Floor Limit is zero.
Appropriate values to indicate a Fallback Transaction must
include but are not limited to the following (for qualifying
Transactions and effective dates, refer to Additional Information)
Group
3
97

98
Group

1. A 20 percent variance is allowed to restaurants in consideration of a gratuity.
2. For a Mail/Phone Order or Electronic Commerce Transaction, Authorization is valid if either:
a. Transaction amount is within 15 percent of the authorized amount, if the additional amount represents shipping costs
b. Authorization was obtained within 7 calendar days of the Transaction Date, as specified in Volume I—General Rules, Section
5.1.E.8.e
devices.
4. For Chargeback Rights and Limitations 5, an Issuer must include documentation supporting the Issuer’s claim that the Transaction would
have been declined if correct Transaction data had been provided in the Authorization Request.


Member Message Text, as applicable: 1. Credit or Reversal was processed. Member Message Text:
1. NO AUTHORIZATION Either that applies:
2. TRAN EXCEEDS AUTH AMOUNT 1. CRED MMDDYY ARN X...X
3. AUTH OBTAINED USING INVALID (23 or 24 digits)
DATA 2. REVERSAL MMDDYY
4. EMV CARD, NO AUTH, EXCD CHIP Documentation:
FLOOR LIMIT None required.
5. EMV CARD, INVALID FALLBACK
DATA 2. Issuer did not meet the applicable Member Message Text:
Documentation: Chargeback conditions. 1. X...X (Specify the reason)
None required. 2. EMV CARD, VALID FALLBACK DATA
3. NOT AN EMV CARD, NON EMV
DEVICE
Documentation:
As applicable.

AMT $XXX
MMDDYY
Documentation:
For a dispute involving special Authorization
procedures, both:
2. Certification of Special Authorization
Group
3
99

100
Group
Reason Code 73 Expired Card
A Merchant completed a Transaction with a Card that expired prior to the Transaction Date, and the Merchant did not obtain
Authorization.
Both:
a. Card expired prior to the Transaction Date
1. Transaction Date is as follows: None.

a. Hotel: Check-in date
b. Car Rental Company: Date the car was rented
c. Cruise Line: Embarkation date
2. For a Mail/Phone Order or Electronic Commerce Transaction,
the expiration date provided by the Cardholder is assumed to be
correct.
equivalent.
5. Chargeback does not apply to Chip-initiated Transactions (for
qualifying Transactions and effective dates, refer to Additional
Information).1

Both:
1. The Card expiration date is the last day of the month.
devices.
Group
3
101

102
Group

Both:

CARD EXPIRED MMDDYY Either that applies:
2. REVERSAL MMDDYY
Documentation:
None required.

Documentation:
None required.

Both:


1. AUTH DATE MMDDYY
2. CARD NOT EXPIRED ON TRAN DATE
3. CHECK-IN DATE MMDDYY
4. RENTAL DATE MMDDYY
5. EMBARK DATE MMDDYY
Documentation:
following:
1. Merchant’s Authorization log
2. Documentation to prove the Card was
not expired on the Transaction Date
if applicable
Group
3
103

104
Group
Reason Code 78 Service Code Violation
Effective on or after 5 April 2008, Authorization was not obtained for a Magnetic-Stripe read Transaction on a Visa Electron Card or
on a Visa Card in a registered mandatory positive Authorization (Service Code) account range.
Effective on or after 5 April 2008, both:
a. A Merchant completed a Magnetic-Stripe read Transaction on a Visa Electron Card or a Visa Card in a registered positive
Authorization (Service Code) account range1
2. Effective on or after 5 April 2008, the Chargeback applies for a None.

Visa Card or Visa Electron Card when both:
a. The Visa Card or Visa Electron Card is in an account range
that requires positive Authorization (Service Code)
1. All Visa Electron Cards must be issued with positive Authorization (Service Code) therefore registration is not required for a Visa Electron account
range.


None required. Either that applies:
2. REVERSAL MMDDYY
Documentation:
None required.

Documentation:
None required.
range.
Group
3
105

106
Group



AUTH DATE MMDDYY
Documentation:

Effective on or after 5 April 2008

Effective on or after 5 April 2008,

following:
1. Documentation to prove that either:
a. Service Code was valid for
Transaction
b. Authorization was obtained and was
captured through a Magnetic-Stripe
Terminal or Chip-Reading Device
2. Evidence that the Transaction was Chip-
initiated and offline-authorized, if
applicable
3. Account was not in a registered
positive Authorization (Service Code)
account range
range.
Group
3
107

Group 4—Processing Error
108
Dispute Processing Error

Group
A Merchant , an Originating Member, or an Acquirer processed a Transaction incorrectly.
74 Late Presentment
Transaction was not processed within the required time limits and the account was not in good standing on the Chargeback
Processing Date, or the Transaction was processed more than 180 calendar days from the Transaction Date.
76 Incorrect Currency or Transaction Code or Domestic Transaction Processing Violation
Transaction was processed with an incorrect Transaction code, or an incorrect currency code, or the Merchant did not deposit a
Transaction Receipt in the country where the Transaction occurred, or the Cardholder was not advised that Dynamic Currency
Conversion would occur or was refused the choice of paying in the Merchant’s local currency.
77 Non-Matching Account Number
Transaction did not receive Authorization and was processed using an Account Number that does not match any on the Issuer’s
master file or an Original Credit was processed using an Account Number that does not match any on the Issuer’s master file.
80 Incorrect Transaction Amount or Account Number
Transaction amount is incorrect, or an addition or transposition error was made when calculating the Transaction amount, or
Merchant altered the Transaction amount after the Transaction was completed without the consent of the Cardholder, or a
Transaction was processed using an incorrect Account Number.
82 Duplicate Processing
86 Paid by Other Means
Merchandise or service was received but paid for by other means.
96 Transaction Exceeds Limited Amount
An Unattended Acceptance Terminal that performs Cardholder-Activated Transaction Type A or Cardholder-Activated Transaction
Type B exceeded the allowed amount.
GENERAL REQUIREMENTS FOR DISPUTE GROUP 4—PROCESSING ERROR

The Chargeback time limit is 120 calendar days from the Transaction Processing Date. For an Original Credit, the Chargeback time limit
is 120 calendar days from the Central Processing Date of the Original Credit.


Chargeback minimum for a T&E Transaction is US $25 or equivalent.


Group
A Merchant , an Originating Member, or an Acquirer processed a Transaction incorrectly.
4
109
Group 4—Processing Error

110

Group
Reason Code 74 Late Presentment
Transaction was not processed within the required time limits and the account was not in good standing on the Chargeback
Processing Date, or the Transaction was processed more than 180 calendar days from the Transaction Date.
1 Both: 111
a. Transaction was not processed within the required time limit
b. Account Number was not in good standing on the Processing Date
2 Transaction Date is more than 180 calendar days prior to the Processing Date. 113
Both:
1. For a Visa Electron Card, Transaction Date is more than 6 None.

calendar days prior to the Processing Date.
2. For an ATM or Load Transaction, Transaction Date is more than
10 calendar days prior to the Processing Date.
3. For a Visa Electron Card with a Visa Brand Mark with the
Electron Identifier issued in Visa Europe or in the jurisdiction of
the CEMEA Regional Office and accepted by a Visa Merchant,
Transaction Date is more than 30 calendar days prior to the
Processing Date.
4. For all other Transactions, Transaction Date is more than 30
calendar days prior to the Processing Date.
5. For a T&E Transaction, Transaction Date is as follows:
a. Hotel: Check-out date
b. Car Rental Company: Return date
c. Cruise Line: Disembarkation date
6. For a T&E Transaction, Issuer must list the Account Number on
the Exception File with a negative response on the Chargeback
Processing Date.

Group
4
111

112

Group

Both:

Member Message Text: 1. Credit or Reversal was processed Member Message Text:
ACCOUNT STATUS CODE (Supply the Either that applies:
appropriate code in the last position of the 1. CRED MMDDYY ARN X...X
text) (23 or 24 digits)
X=Counterfeit 2. REVERSAL MMDDYY
O=Account Closed Documentation:
C=Account Problem None required.
F=Other Fraud (e.g., lost, stolen, not
received) 2. Issuer did not meet the applicable Member Message Text:
Documentation: Chargeback conditions. X...X (Specify the reason)
None required. Documentation:
None required.

CORRECT TRAN DATE MMDDYY
Documentation:
Both:
2. Transaction Receipt with Transaction
Date that disproves late Presentment
Transaction Date is more than 180 calendar days prior to the Processing Date.
1. Transaction Date is more than 180 calendar days prior to None.

Processing Date.
2. For a T&E Transaction, Transaction Date is as follows:
a. Hotel: Check-out date
b. Car Rental Company: Return date
c. Cruise Line: Disembarkation date

Group
4
113

114

Group

Transaction Date is more than 180 calendar days prior to the Processing Date.

MORE THAN 180 DAYS LATE Either that applies:
2. REVERSAL MMDDYY
Documentation:
None required.

Documentation:
None required.

CORRECT TRAN DATE MMDDYY
Documentation:
Both:
2. Transaction Receipt with Transaction
Date that disproves late Presentment

Group
4
115

116

Group
Reason Code 76 Incorrect Currency or Transaction Code or Domestic Transaction
4
Transaction was processed with an incorrect Transaction code, or an incorrect currency code, or the Merchant did not
deposit a Transaction Receipt in the country where the Transaction occurred, or the Cardholder was not advised that
Dynamic Currency Conversion would occur or was refused the choice of paying in the Merchant’s local currency.
1 Transaction code is incorrect. 117
2 Transaction Currency is different than the currency transmitted through VisaNet. 119
3 A Domestic Transaction Receipt was not deposited in the country where the Transaction occurred and was processed with 121
an incorrect Transaction Country code, and was not one of the following:
a. International Airline Transaction
b. Result of a Transaction occurring at a military base, embassy, or consulate
4 Cardholder was not advised that Dynamic Currency Conversion would occur or was refused the choice of paying in the 124
Merchant’s local currency.
Transaction code is incorrect.
1. For a Transaction processed with an incorrect Transaction code, None.

Chargeback amount is double the Transaction Amount when
either:
a. Credit was processed as a debit
b. Debit was processed as a credit

Group
4
117

118

Group
4

Transaction code is incorrect.

1. CREDIT POSTED AS DEBIT Either that applies:
2. DEBIT POSTED AS CREDIT 1. CRED MMDDYY ARN X...X
3. PURCHASE POSTED AS CASH (23 or 24 digits)
4. CASH POSTED AS PURCHASE 2. REVERSAL MMDDYY
Documentation: Documentation:
None required. None required.

Documentation:
None required.

None required.
Documentation:
For an ATM Transaction, none required.
For all other Transactions, both:
2. Transaction Receipt or other record that
proves that the Transaction code was
correct
Transaction currency is different than the currency transmitted through VisaNet.
1. Chargeback is invalid for a Transaction originating at a non-US None.

ATM connected to the Plus System, Inc. and settled in US
dollars.
2. Chargeback is valid for the entire Transaction amount.
1. Transaction Currency appearing on the Transaction Receipt may be any currency agreed upon by the Merchant and Cardholder.
2. If not specified, the Transaction Currency is the domestic currency of the Transaction Country.
3. The currency and amount in the total box on a Transaction Receipt is considered the agreed upon currency. Currency and amounts noted
elsewhere will not be considered.

Group
4
119

120

Group
4

Transaction currency is different than the currency transmitted through VisaNet.

TRAN CURRENCY IS XXX NOT XXX, Either that applies:
where XXX = numeric Currency Code value 1. CRED MMDDYY ARN X...X
as specified in the VisaNet manuals (23 or 24 digits)
None required.

Documentation:
None required.

None required.
Documentation:
Both:
2. Transaction Receipt or other record that
proves that the Transaction Currency
was correct
A Domestic Transaction Receipt was not deposited in the country where the Transaction occurred and was processed with an incorrect
Transaction Country code, and was not one of the following:
b. Result of a Transaction occurring at a military base, embassy, or consulate1
Chargeback is invalid if a Transaction was processed as allowed None.

under Volume I—General Rules, Section 4.1.C.1.
An Acquirer must not contract with a Merchant Outlet that is outside
its Country of Domicile, unless any of the following is true:
1. Visa has approved this arrangement, and the country or territory
is either:
a. Not any other Principal’s Country of Domicile
b. One where the Acquirer has a Branch
2. Merchant is an International Airline and the Acquirer maintains
the relationship as specified in Volume I—General Rules,
Section 4.1.E
3. Merchant Outlet is a military base, embassy, or consulate on
foreign territory. The currency used to complete the Transaction
must be disclosed on the Transaction Receipt.
1. Visa considers these Merchant Outlets to be within the Member’s Country and Region of Domicile.

Group
4
121

122

Group
4


TRAN OCCURRED IN X...X Either that applies:
2. REVERSAL MMDDYY
Documentation:
None required.

Documentation:
None required.



None required.
Documentation:
Both:
2. Transaction Receipt or other record to
prove either:
a. Transaction was deposited properly
and processed with the correct
Transaction Country code
b. Transaction occurred at a military
base, embassy, consulate, or is an
International Airline Transaction

Group
4
123

124

Group
4
Cardholder was not advised that Dynamic Currency Conversion would occur or was refused the choice of paying in the Merchant’s local
currency.
Dynamic Currency Conversion occurred and the Cardholder was If the Chargeback is valid, the Acquirer may only represent the
either: Transaction in the Merchant’s local currency for the Transaction
1. Not advised that Dynamic Currency Conversion would take Amount prior to Dynamic Currency Conversion. The Representment
place. must:
2. Refused the choice of paying in the Merchant’s local currency. • Exclude fees or commission charges directly related to Dynamic
Chargeback is valid for the entire Transaction Amount. Currency Conversion that were applied to the Transaction
• Include a copy of the Dynamic Currency Conversion Transaction
Receipt
1. Transaction Currency appearing on the Transaction Receipt must be the currency approved by the Cardholder.
2. If Dynamic Currency Conversion is not approved at the Point-of-Transaction the Transaction Currency must be in the Merchant’s local
currency.
3. If the Acquirer processes through the Single Message System, it may process the Transaction as a first Presentment instead of
representing.

Cardholder was not advised that Dynamic Currency Conversion would occur or was refused the choice of paying in the Merchant’s local
currency.

1. DCC—CARDHOLDER NOT ADVISED Either that applies:
2. DCC—CARDHOLDER REFUSED 1. CRED MMDDYY ARN X...X
OPTION OF LOCAL CURRENCY (23 or 24 digits)
1. Issuer Chargeback Form—Processing Documentation:
Error (Exhibit 2E-4 Issuer) None required.
2. A Cardholder letter stating the
Cardholder was not advised that 2. Issuer did not meet the applicable Member Message Text:
Dynamic Currency Conversion would Chargeback conditions. X...X (Specify the reason)
occur or was not offered a choice to pay Documentation:
in the Merchant’s local currency None required.
3. Copy of the Cardholder’s Transaction
Receipt (if available) 3. Acquirer can remedy the Chargeback. Member Message Text:
None required.
Documentation:
1. Acquirer Representment Form—
Processing Error (Exhibit 2E-4 Acquirer)
2. Acquirer certification that the Merchant
is registered to offer Dynamic Currency
Conversion

Group
4
125

126

Group
Reason Code 77 Non-Matching Account Number
Transaction did not receive Authorization and was processed using an Account Number that does not match any on the
Issuer’s master file or an Original Credit was processed using an Account Number that does not match any on the Issuer’s
master file.
1 Merchant or Acquirer processed a Transaction for an Account Number not matching any on the Issuer’s master file and did 127
not receive an Authorization.
2 Originating Member processed an Original Credit for an Account Number not matching any on the Issuer’s master file. 129
Merchant or Acquirer processed a Transaction for an Account Number not matching any on the Issuer’s master file and did not receive an
Authorization.
1. Chargeback is invalid for Transactions that received an None.

Authorization.
2. Chargeback is invalid for Chip-initiated Transactions.
1. An incorrectly entered Account Number must be processed as an original Presentment. Acquirer may be responsible for any late
Presentment.
and ATM devices.

Group
4
127

128

Group

Merchant or Acquirer processed a Transaction for an Account Number not matching any on the Issuer’s master file and did not receive an
Authorization.

NO SUCH ACCT NUMBER Either that applies:
2. REVERSAL MMDDYY
Documentation:
None required.

Documentation:
None required.

(if applicable)
Documentation:
Both:
2. Legible Transaction Receipt to prove
that the Account Number was
processed correctly
An Originating Member processed an Original Credit for an Account Number not matching any on the Issuer’s master file.
None. None.

Group
4
129

130

Group

An Originating Member processed an Original Credit for an Account Number not matching any on the Issuer’s master file.

Member Message Text for Original 1. Reversal was processed. Member Message Text:
Credit: REVERSAL MMDDYY
ACCOUNT CLOSED Documentation:
ACCOUNT NOT ON FILE None required.
Documentation:
None required. 2. Issuer did not meet the applicable Member Message Text:
Documentation:
None required.
3. Originating Member can remedy the Member Message Text:

Chargeback. X...X (Specify the reason)
Documentation:
None required.

Group
4
131

132

Group
Reason Code 80 Incorrect Transaction Amount or Account Number
Transaction amount is incorrect, or an addition or transposition error was made when calculating the Transaction amount,
or Merchant altered the Transaction amount after the Transaction was completed without the consent of the Cardholder, or
a Transaction was processed using an incorrect Account Number.
1 Transaction amount is incorrect or addition or transposition error occurred. 133
2 Merchant altered the Transaction amount after the Transaction was completed without the consent of the Cardholder. 135
3 Account Number processed through VisaNet does not match the Account Number on the Transaction Receipt. 138
Transaction amount is incorrect or addition or transposition error occurred.
1. Chargeback amount is limited to the difference in the amounts. None.

2. For a T&E Transaction, Chargeback is valid only when the
difference in the amounts exceeds US $25 or local currency
equivalent.
3. Chargeback is invalid for a No-Show or Advance Deposit
Transaction for an addition or transposition error.
4. Chargeback is invalid for the difference between the quoted price
and the actual charges made by the T&E Merchant.
5. Chargeback is invalid for Chip-initiated Transactions containing
a valid Cryptogram (for qualifying Transactions and effective
1. Visa recommends that the Issuer provide documentation to demonstrate that the Transaction amount is incorrect.
and ATM devices.
1. A variance to this requirement applies in the jurisdiction of the Latin America and Caribbean and U.S.A. Regions, to exclude Transactions involving

Group
4
133

134

Group

Transaction amount is incorrect or addition or transposition error occurred.

1. TRAN AMT XXXX NOT XXXX Either that applies:
2. ERROR IN AMOUNT 1. CRED MMDDYY ARN X...X
None required. 2. REVERSAL MMDDYY
Documentation:
None required.

Documentation:
None required.

None required.
Documentation:
Both:
prove that Transaction Amount was
correct
Merchant altered the Transaction amount after the Transaction was completed without the consent of the Cardholder.
1. Chargeback amount is limited to the difference in the amounts. None.

2. Chargeback is invalid if Merchant has the right to alter the
3. Chargeback is invalid for a No-Show or Advance Deposit
Transaction completed in a Card-Absent Environment.
4. Chargeback is invalid for Chip-initiated Transactions containing
a valid Cryptogram (for qualifying Transactions and effective

Group
4
135

136

Group


ALTERED FROM XXXX AMT TO Either that applies:
XXXX AMT 1. CRED MMDDYY ARN X...X
Both: 2. REVERSAL MMDDYY
1. Exhibit 2E-4 Issuer Documentation:
2. Copy of the Cardholder’s Transaction None required.
Receipt showing different Transaction
amounts 2. Issuer did not meet the applicable Member Message Text:
Documentation:
None required.



None required.
Documentation:
Both:
2. Documents to prove one of the
following:
a. Transaction Receipt was not altered
b. Cardholder agreed to the altered
amount
c. Merchant is permitted or required to
alter the Transaction amount

Group
4
137

138

Group
Account Number processed through VisaNet does not match the Account Number on the Transaction Receipt.
1. Chargeback is invalid for Chip-initiated Transactions containing If the Account Number was incorrectly transmitted, Acquirer must
a valid Cryptogram (for qualifying Transactions and effective process the Transaction as a new Presentment. Acquirer may be
dates, refer to Additional Information).1 responsible for a Late Presentment Chargeback.

Account Number processed through VisaNet does not match the Account Number on the Transaction Receipt.

INCORRECT ACCT NUMBER Either that applies:
2. REVERSAL MMDDYY
Documentation:
None required.

Documentation:
None required.

None required.
Documentation:
Both:
prove that the Account Number is
correct

Group
4
139

140

Group
Reason Code 82 Duplicate Processing
1 One Acquirer or Originating Member processed the Transaction more than once. 141
2 Two Acquirers or Originating Members processed the same Transaction. 144
The EMV Liability Shift Principles, as specified in Volume I—General Rules, Section 3.3.B and Volume I—General Rules, Section 4.3, apply
to all Intraregional Transactions in the jurisdiction of the CEMEA Regional Office. This includes Transactions occurring at both POS and ATM
devices.
The EMV Liability Shift Principles, as specified in Volume I—General Rules, Section 3.3.B and Volume I—General Rules, Section 4.3, apply
to all Interregional Transactions occurring at POS devices, between the jurisdiction of the CEMEA Regional Office and Visa Europe.
Effective 1 October 2010, the EMV Liability Shift Principles, as specified in Volume I—General Rules, Section 3.3.B and Volume I—General
Rules, Section 4.3, apply to all Interregional Transactions.
One Acquirer or Originating Member processed the Transaction more than once.
1. Chargeback is invalid for a Magnetic-Stripe Telephone None.

Transaction for an individual call charge, if the following
information is not identical to a previously submitted
Transaction:
a. Date of call
b. Number of minutes of the call
c. Telephone number called
d. Transaction amount in the Transaction Currency
2. Chargeback is invalid for Chip-initiated Transactions with
differing application Transaction counter values (for qualifying
Transactions and effective dates, refer to Additional
Information).1
insurance purposes.
3. The ATM Acquirer must provide a copy of the ATM Transaction Record at pre-Arbitration to prove that cash was disbursed for each
Transaction. The Transaction Record must be in English with an explanation or key to the data fields in the Transaction Record.
4. For Representment, if 2 separate signed or imprinted Transaction Receipts are not provided, evidence should be proof that the
Transactions were not for the same service or merchandise.
5. Transaction amounts may be different.

Group
4
141

142

Group


FIRST TRAN DATE MMDDYY, REF X...X Either that applies:
(23- or 24-digit Acquirer Reference Number 1. CRED MMDDYY ARN X...X
or applicable Tracing Data) (23 or 24 digits)
None required.

Documentation:
None required.



For an ATM Transaction processed more
than once, either that applies:
1. CASH DISPNS SEQ #XXXXX AND
SEQ #XXXXX
2. ACQR CERTS ATM IN BALANCE ON
MMDDYY
Documentation:
2. Either:
a. Submit 2 separate signed or
imprinted Transaction Receipts or
other record to prove separate
Transactions were processed
b. For a Magnetic-Stripe Telephone
Transaction, documentation to
demonstrate that the time of the call
is different for each Transaction

Group
4
143

144

Group
Two Acquirers or Originating Members processed the same Transaction.
1. If the Transaction was processed by different Acquirers or None.

Originating Members, the Acquirer or Originating Member that
processed the second Transaction is responsible for the
Chargeback.
insurance purposes.
3. The ATM Acquirer must provide a copy of the ATM Transaction Record at pre-Arbitration to prove that cash was disbursed for the
Transaction. The Transaction Record must be in English with an explanation or key to the data fields in the Transaction Record.

Two Acquirers or Originating Members processed the same Transaction.

FIRST TRAN DATE MMDDYY, REF X...X Either that applies:
(23- or 24-digit Acquirer Reference Number 1. CRED MMDDYY ARN X...X
or applicable Tracing Data) (23 or 24 digits)
None required.

Chargeback conditions. 1. X...X (Specify the reason)
2. DIFF APPL TRXN COUNTERS
Documentation:
None required.
3. Acquirer or Originating Member can Member Message Text:

remedy the Chargeback. For an ATM Transaction, either that applies:
1. CASH DISPNS SEQ #XXXXX and SEQ
#XXXXX
MMDDYY
Documentation:
prove separate Transactions were
processed

Group
4
145

146

Group
Reason Code 86 Paid by Other Means
Merchandise or service was received but paid by other means.
Cardholder paid for the same merchandise or service by other means.
1. For services paid by other means: None.

a. Cardholder must attempt to resolve with Merchant
b. Chargeback is invalid for a No-Show or Advance Deposit
Transaction
2. For an Electronic Commerce Transaction where merchandise
paid by other means, Cardholder must attempt to resolve with
Merchant, unless prohibited by local law.
3. Chargeback invalid for the initial payment of a Delayed Delivery
Transaction if the balance payment is not authorized and the
balance was not paid by alternate means.
4. Chargeback invalid if payment for services made to 2 different
Merchants, e.g., payment to travel agent and T&E Merchant,
unless there is evidence that the payment was passed from the
travel agent to the T&E Merchant.
5. Chargeback is valid when the contract reflects that the Merchant
accepted a voucher issued by a third party as payment for goods
or services rendered, and subsequently bills the Cardholder
because the Merchant is unable to collect payment from the third
party.


All of the following: (23 or 24 digits)
1. Exhibit 2E-4 Issuer 2. REVERSAL MMDDYY
2. Proof that Merchant received payment Documentation:
by other means None required.
3. Issuer certification that Cardholder
attempted to resolve with Merchant for 2. Issuer did not meet the applicable Member Message Text:
either: Chargeback conditions. X...X (Specify the reason)
a. Services paid by other means Documentation:
b. Electronic Commerce Transaction None required.
where merchandise paid by other
means

Group
4
147

148

Group



None required.
Documentation:
Both:
2. Documents (other than Transaction
Receipt) to prove that Merchant did not
receive payment by other means for the
same merchandise or service

Group
4
149

150

Group
Reason Code 96 Transaction Exceeds Limited Amount
An Unattended Acceptance Terminal that performs Cardholder-Activated Transaction Type A or Cardholder-Activated

Transaction Type B exceeded the allowed amount.
A Cardholder-Activated Transaction Type A or Cardholder-Activated Transaction Type B exceeds the permitted amount.
2. Effective for Transactions completed on or after None.

15 November 2008, either of the following1:
• For a Cardholder-Activated Transaction Type A, Chargeback
is valid for the entire transaction amount
• For a Cardholder-Activated Transaction Type B, Chargeback
is valid only for the amount exceeding $100
4. Effective for Transactions completed on or after
4 October 2008, for a Real-Time Clearing Transaction,
Chargeback is valid only for the amount exceeding the
authorized amount.2
5. Effective for Transactions completed on or after
15 November 2008, either of the following:
a. For a Cardholder-Activated Transaction Type A, Chargeback
is valid for the entire transaction amount.
b. For a Cardholder-Activated Transaction Type B, Chargeback
is valid only for the amount exceeding $100, excluding a
Real-Time Clearing Transaction.
6. Chargeback is invalid for an In-Transit Service Transaction.
1. For transactions involving Issuers or Acquirers in the jurisdiction of Visa Europe, Chargeback is valid for the entire transaction amount.
2. Provisions related to Real-time Clearing are not applicable to transactions involving Issuers or Acquirers in the jurisdiction of Visa Europe.

A Cardholder-Activated Transaction Type A or Cardholder-Activated Transaction Type B exceeds the permitted amount.

2. REVERSAL MMDDYY
Documentation:
None required.

Documentation:
None required.

None required.
Documentation:
Both:
2. Documents to prove either:
a. Transaction was not a Cardholder-
Activated Transaction Type A or
Cardholder-Activated Transaction
Type B
b. Transaction did not exceed limited
amount

Group
Reason Code 96 Transaction Exceeds Limited Amount
4
151

Group 5—Cancelled/Returned
152
Dispute
Cancelled/Returned
Group A Cardholder properly cancelled a Recurring Transaction or returned merchandise and the Merchant did not
process a Credit Transaction Receipt, or a cancelled T&E or Timeshare Transaction was processed, or an
5
Originating Member sent an Original Credit that was refused by the Recipient or is prohibited by local law.
41 Cancelled Recurring Transaction
The Merchant continued to charge a Cardholder for a Recurring Transaction despite notification of cancellation.
53 Not as Described or Defective Merchandise
The Cardholder received damaged or defective merchandise, or the merchandise or service did not match what was described on
the Transaction Receipt or other documentation presented at the time of purchase.
85 Credit Not Processed
A Merchant did not process a Credit Transaction Receipt as required, or an Originating Member sent an Original Credit that was
refused by the Recipient or is prohibited by local law.
GENERAL REQUIREMENTS FOR DISPUTE GROUP 5—CANCELLED/RETURNED

The Chargeback time limit is 120 calendar days from the Transaction Processing Date or the applicable dates specified in each
Chargeback reason code. For an Original Credit, the Chargeback time limit is 120 calendar days from the Central Processing Date of
an Original Credit.


For a T&E Transaction charged back under reason code 85, the Issuer must provide a cancellation code.
For other rights and limitations, refer to individual reason codes.

Dispute
Cancelled/Returned
Group A Cardholder properly cancelled a Recurring Transaction or returned merchandise and the Merchant did not
5 process a Credit Transaction Receipt, or a cancelled T&E or Timeshare Transaction was processed, or an
Originating Member sent an Original Credit that was refused by the Recipient or is prohibited by local law.
153
Group 5—Cancelled/Returned
154
Dispute Cancelled/Returned
Group
Reason Code 41 Cancelled Recurring Transaction
The Merchant continued to charge a Cardholder for a Recurring Transaction despite notification of cancellation.
1 Cardholder withdrew permission to charge the account for a Recurring Transaction. 155
2 Acquirer or Merchant received notification that the Cardholder’s account was closed before the Transaction was processed. 157
3 An initial membership Transaction was previously charged back and the Cardholder did not expressly renew the 159
membership.
Cardholder withdrew permission to charge the account for a Recurring Transaction.
1. Chargeback is invalid if Cardholder did not withdraw permission None.

to charge the account 15 calendar days prior to the Processing
Date of the disputed Transaction.
2. Chargeback amount is limited to the unused portion of the
service or merchandise.
3. Prior to exercising the Chargeback for an Electronic Commerce
Transaction, the Issuer must determine and certify that the
Cardholder attempted to resolve the dispute with the Merchant.
(Not applicable if prohibited by local law.)
equivalent.
5. Chargeback is invalid for Installment Transactions.
Visa recommends that the Issuer supply a copy of the cancellation notice to the Merchant.
Group
5
155

156
Group

Cardholder withdrew permission to charge the account for a Recurring Transaction.

1. CH CANCELLED MMDDYY Either that applies:
2. CH ATTEMPT TO RESOLVE (for 1. CRED MMDDYY ARN X...X
Electronic Commerce Transactions) (23 or 24 digits)
None required.

Documentation:
None required.

None required.
Documentation:
Both:
1. Exhibit 2E-5 Acquirer and
documentation to prove that service was
not cancelled 15 calendar days prior to
the Transaction Processing Date
2. For Representments initiated through
14 November 2008, documentation
showing portion or amount of services or
merchandise used, if applicable
Acquirer or Merchant received notification that the Cardholder’s account was closed before the Transaction was processed.
1. Chargeback amount is limited to the unused portion of the None.

service.
equivalent.
Visa recommends that the Issuer supply copy of cancellation notice to the Acquirer or Merchant.
Group
5
157

158
Group

Acquirer or Merchant received notification that the Cardholder’s account was closed before the Transaction was processed.

1. NOTIFICATION ACCT CLOSED Either that applies:
MMDDYY 1. CRED MMDDYY ARN X...X
2. CH ATTEMPT TO RESOLVE (for (23 or 24 digits)
Electronic Commerce Transactions) 2. REVERSAL MMDDYY

Documentation:
None required.

None required.
Documentation:
Both:
2. Documents to prove Acquirer or
Merchant not notified that account was
closed
An initial membership Transaction was previously charged back and the Cardholder did not expressly renew the membership.
1. Cancellation of a membership Transaction purchased via the None.

mail, telephone, or electronic commerce may occur before or
during the membership period.
Group
5
159

160
Group

An initial membership Transaction was previously charged back and the Cardholder did not expressly renew the membership.

1. PREVIOUS CB MMDDYY ARN X...X Either that applies:
(23 or 24 digits) 1. CRED MMDDYY ARN X...X

Documentation:
None required.

None required.
Documentation:
Both:
2. Documents to prove Transaction was
not previously charged back
Group
5
161

162
Group
Reason Code 53 Not as Described or Defective Merchandise
The Cardholder received damaged or defective merchandise, or the merchandise or service did not match what was
described on the Transaction Receipt or other documentation presented at the time of purchase.
1 Cardholder returned merchandise or cancelled services that did not match what was described on the Transaction Receipt 163
or other documentation presented at the time of purchase.
2 Merchandise shipped to Cardholder was received damaged or defective, and Cardholder returned the merchandise to the 166
Merchant.
Cardholder returned merchandise or cancelled services that did not match what was described on the Transaction Receipt or other
documentation presented at the time of purchase.
1. Chargeback amount is limited to the unused portion of the service None.

or returned merchandise.
2. Issuer must wait 30 calendar days from the date the merchandise
was returned or the service was cancelled, prior to exercising the
Chargeback.1
3. For merchandise or services provided after the Transaction
Processing Date, Chargeback time frame is calculated from the
date the Cardholder received the merchandise or services.
4. For a T&E Transaction, Chargeback applies only to merchandise.
5. Chargeback amount must not exceed original Transaction amount.
7. An Issuer must not initiate a Chargeback for disputes regarding
Value-Added Tax (VAT).
equivalent.
9. Chargeback is valid if returned merchandise is refused by the
Merchant and Issuer can provide evidence of refusal.
1. Visa recommends that the Issuer provide a copy of the Transaction Receipt or other documentation containing a written description of the
merchandise or services purchased.
2. Proof of shipping does not constitute proof of receipt.
3. Merchant is responsible for goods held within its own country’s customs agency.
4. The return of merchandise condition is met if the Merchant refuses to provide a return merchandise authorization or return address and the
Issuer can provide evidence of the this refusal.
1. Does not apply if waiting period causes Chargeback to exceed Chargeback time frame.
Group
5
163

164
Group


NOT AS DESCRIBED Either that applies:
1. CRED MMDDYY ARN X...X
(23 or 24 digits)
2. REVERSAL MMDDYY
Documentation:
None required.


Documentation: 2. Issuer did not meet the applicable Member Message Text:
1. Exhibit 2E-5 Issuer stating all of the Chargeback conditions. X...X (Specify the reason)
following, as applicable: Documentation:
a. Date merchandise was returned or None required.
service was cancelled
b. Name of shipping company 3. Acquirer can remedy the Chargeback. Member Message Text:
c. Invoice/tracking number (if RETURNED MDSE NOT RECEIVED (if
available) applicable)
d. Date Merchant received the Documentation:
merchandise Both:
e. Issuer certification that Cardholder 1. Exhibit 2E-5 Acquirer
attempted to resolve the dispute with 2. Documents to prove that the service or
the Merchant (for Electronic merchandise was correctly described
Commerce Transactions)
f. Explanation of what was not as
described
g. Date Cardholder received
merchandise or services, if
Chargeback time frame is calculated
from date of receipt
2. Proof that Merchant refused the return of
merchandise, refused to provide a
return merchandise authorization, or
informed the Cardholder not to return
the merchandise, if applicable
Group
5
165

166
Group
Effective through 14 November 2008, Merchandise shipped to Cardholder was received damaged or defective, and Cardholder returned
the merchandise to the Merchant.
Effective 15 November 2008, merchandise received by the Cardholder was damaged or defective, and Cardholder returned the merchandise
to the Merchant.
1. Chargeback amount is limited to the value of the returned None.

merchandise.
2. Issuer must wait 30 calendar days from the date the
merchandise was returned prior to exercising the Chargeback.1
3. For merchandise provided after the Transaction Processing
Date, Chargeback time frame is calculated from the date the
Cardholder received the merchandise.
4. For a T&E Transaction, Chargeback applies only to
merchandise.
5. Chargeback amount must not exceed original Transaction
amount.
equivalent.
3. The return of merchandise condition is met if the Merchant refuses to provide a return merchandise authorization or return address and
the Issuer can provide evidence of the this refusal.

Merchandise shipped to Cardholder was received damaged or defective, and Cardholder returned the merchandise to the Merchant.

DEFECTIVE MERCHANDISE Either that applies:
1. Exhibit 2E-5 Issuer stating all of the (23 or 24 digits)
following, as applicable: 2. REVERSAL MMDDYY
a. Date merchandise was returned or Documentation:
service was cancelled None required.
b. Name of shipping company
c. Invoice/tracking number (if 2. Issuer did not meet the applicable Member Message Text:
available) Chargeback conditions. X...X (Specify the reason)
d. Date Merchant received the Documentation:
merchandise None required.
e. Issuer certification that Cardholder
attempted to resolve the dispute with 3. Acquirer can remedy the Chargeback. Member Message Text:
the Merchant (for Electronic RETURNED MDSE NOT RECEIVED (if
Commerce Transactions) applicable)
f. Explanation of what was defective Documentation:
g. Date Cardholder received Both:
merchandise or services, if 1. Exhibit 2E-5 Acquirer
Chargeback time frame is calculated 2. Documents to prove that the
from date of receipt merchandise was not defective
Group
5
167

168
Group
Reason Code 85 Credit Not Processed
A Merchant did not process a Credit Transaction Receipt as required.
1 Cardholder received a Credit Transaction Receipt that was not processed. 169

a. Cardholder returned merchandise, cancelled merchandise, or cancelled services
b. Merchant did not issue or process a Credit Transaction Receipt
c. Merchant did not properly disclose a limited return or cancellation policy at the time of the Transaction

a. Cardholder cancelled the timeshare Transaction
b. Cancellation was within 10 calendar days from the contract date
c. Merchant did not issue a Credit Transaction Receipt

a. Cardholder properly cancelled the guaranteed reservation
b. Cardholder was billed a No-Show Transaction
c. Cardholder provides cancellation code
5 For an Advance Deposit Transaction, one of the following: 178

a. Cardholder properly cancelled the Advance Deposit Transaction but Merchant did not issue a Credit Transaction
Receipt
b. Merchant provided alternate accommodation but did not issue a Credit Transaction Receipt
c. Merchant did not inform Cardholder of the Hotel or Cruise Line cancellation policy
6 An Original Credit was not accepted because either: 181

a. Recipient refused the Original Credit
b. Original Credit is prohibited by local law
Cardholder received a Credit Transaction Receipt that was not processed.
1. Issuer must wait 30 calendar days from date on the Credit None.
Transaction Receipt before initiating a Chargeback.
2. If the Credit Transaction Receipt is undated, the 30-calendar day
waiting period does not apply.
equivalent.
5. Chargeback is valid if a “void” or “cancelled” notation appears on
the Transaction Receipt.
1. The 120 calendar-day Chargeback time limit is calculated from one of the following dates:
a. Date on the Credit Transaction Receipt
b. Date of the Cardholder letter, if Credit Transaction Receipt is undated
c. Date the Issuer received the Cardholder letter, if both the Credit Transaction Receipt and Cardholder letter are undated
2. Refund acknowledgments and credit letters do not qualify as Credit Transaction Receipts unless they contain all required data.
3. A lost ticket application or refund application is not considered a Credit Transaction Receipt.
4. For Chargeback Condition 1, an Issuer must not initiate a Chargeback regarding Value-Added Tax (VAT) unless the Cardholder provides
a Credit Transaction Receipt.
Group
5
169

170
Group

Cardholder received a Credit Transaction Receipt that was not processed.

CREDIT NOT PROCESSED Either that applies:
Both: (23 or 24 digits)
1. Exhibit 2E-5 Issuer certifying date 2. REVERSAL MMDDYY
Cardholder attempted to resolve the Documentation:
dispute with the Merchant (for Electronic None required.
Commerce Transactions)
2. Copy of credit or voided Transaction 2. Issuer did not meet the applicable Member Message Text:
Receipt Chargeback conditions. X...X (Specify the reason)
Documentation:
None required.

X...X (Specify the reason)
Documentation:
None required.
1. Issuer must wait 30 calendar days from the date the None.
merchandise was returned prior to exercising the Chargeback.1
2. Chargeback is invalid for T&E Transactions.
3. For a dispute involving returned merchandise, Chargeback
amount is limited to the unused portion of the returned
merchandise.
4. For merchandise provided on or after the Transaction
Processing Date, the 120 calendar day Chargeback time limit is
calculated from the date the merchandise was received.
2. Effective 1 January 2008, if merchandise was shipped prior to cancellation the Cardholder must return the merchandise, if received
Group
5
171

172
Group


1. MERCHANDISE RETURNED Either that applies:
2. SERVICE CANCELLED MMDDYY (23 or 24 digits)
1. Exhibit 2E-5 Issuer stating all of the Documentation:
following: None required.
a. Date merchandise was cancelled or
returned or service cancelled 2. Issuer did not meet the applicable Member Message Text:
b. Name of shipping company, if Chargeback conditions. X...X (Specify the reason)
applicable Documentation:
c. Invoice/tracking number, if available None required.
d. Date Merchant received
merchandise, if available
e. Proper disclosure of return/
cancellation policy not provided
f. Issuer certification that Cardholder
attempted to resolve with Merchant
for an Electronic Commerce
Transaction



RETURNED MDSE NOT RECEIVED
(if applicable)
Documentation:
Both:
2. Transaction Receipt or other records to
prove Merchant properly disclosed a
limited return or cancellation policy at
the time of the Transaction, as specified
in Volume I—General Rules,
Section 5.1.A.2.b or Section 5.2.B.8,
as applicable
Group
5
173

174
Group
a. Cardholder cancelled the Timeshare Transaction
1. Prior to exercising the Chargeback for an Electronic Commerce None.

equivalent.
Visa recommends that the Issuer provide a copy of the cancellation notification to the Merchant.

a. Cardholder cancelled the Timeshare Transaction

1. TIMESHARE TRANSACTION Either that applies:
CANCELLED MMDDYY 1. CRED MMDDYY ARN X...X

Documentation:
None required.

None required.
Documentation:
2. Documents to prove that Transaction
was not cancelled within 10 calendar
days of the contract date
Group
5
175

176
Group
c. Cardholder provides cancellation code provided by a Hotel or third party booking agent1
1. Chargeback is invalid if the Cardholder cannot provide a None.

cancellation code.
equivalent.
1. A Hotel using a third party booking agent must accept the cancellation code provided by the third party booking agent.

c. Cardholder provides cancellation code

1. CANC MMDDYY CODE XXXX Either that applies:
2. CH ATTEMPT TO RESOLVE (for 1. CRED MMDDYY ARN X...X
Electronic Commerce Transactions) (23 or 24 digits)
None required.

Documentation:
None required.

None required.
Documentation:
Exhibit 2E-5 Acquirer with explanation of
why the cancellation code was invalid.
Group
5
177

178
Group
For an Advance Deposit Transaction, one of the following:
a. Cardholder properly cancelled the Advance Deposit Transaction but Merchant did not issue a Credit Transaction Receipt
1. For Chargeback Condition 5a, time limit is 120 calendar days None.
from Cardholder cancellation date.
2. For Chargeback Conditions 5b and 5c, time limit is 120 calendar
days from Cardholder’s scheduled date of arrival.
equivalent.


If condition a or b, any that applies: Either that applies:
1. CANC MMDDYY CODE XXXX 1. CRED MMDDYY ARN X...X
2. ALT ACCOMM PROVIDED NO (23 or 24 digits)
CREDIT ISSUED 2. REVERSAL MMDDYY
3. CH NOT ADVISED OF CANC POLICY Documentation:
4. CH ATTEMPT TO RESOLVE (for None required.
Electronic Commerce Transactions)
Documentation: 2. Issuer did not meet the applicable Member Message Text:
None required. Chargeback conditions. X...X (Specify the reason)
Documentation:
None required.
Group
5
179

180
Group



None required.
Documentation:
Both:
2. Documents to prove that Cardholder
was informed about cancellation policy
(if applicable)
An Original Credit was not accepted because either:
b. The Original Credit was prohibited by local law
None. None.
Group
5
181

182
Group

An Original Credit was not accepted because either:
b. The Original Credit was prohibited by local law

Member Message Text: 1. Reversal was processed. Member Message Text:

RECIPIENT REFUSES CREDIT Either that applies:
NOT ALLOWED BY LOCAL LAW 1. REVERSAL MMDDYY

Documentation:
None required.
3. Originating Member can remedy the Member Message Text:

Chargeback. X...X (Specify the reason)
Documentation:
None required.
Group
5
183

Group 6—Non-Receipt Goods/Services
184
Dispute Non-Receipt Goods/Services

Group
A Cardholder did not receive ordered merchandise or services, or cash from an ATM, or
6
Load Transaction value from a Load Device.
30 Services Not Provided or Merchandise Not Received
Merchant was unable or unwilling to provide services, or Cardholder or authorized person did not receive the merchandise at the
agreed-upon location or by the agreed-upon date.
90 Non-Receipt of Cash or Load Transaction Value at ATM or Load Device
Cardholder did not receive, or received only a portion of cash or Load Transaction value.
GENERAL REQUIREMENTS FOR DISPUTE GROUP 6—NON-RECEIPT GOODS/SERVICES

The Chargeback time limit is 120 calendar days from the Transaction Processing Date.


Chargeback minimum for a T&E Transaction is US $25 or equivalent.


Group
A Cardholder did not receive ordered merchandise or services, or cash from an ATM, or
6
Load Transaction value from a Load Device.
185
Group 6—Non-Receipt Goods/Services

186

Group
Reason Code 30 Services Not Provided or Merchandise Not Received
Merchant was unable or unwilling to provide services, or Cardholder or authorized person participated in the Transaction,
and did not receive the merchandise at the agreed-upon location or by the agreed-upon date.
1 Cardholder or authorized person participated in the Transaction, and did not receive purchased services because Merchant 187
was unwilling or unable to provide the services.1
2 Cardholder or authorized person did not receive ordered merchandise. 189
Cardholder or authorized person participated in the Transaction, and did not receive purchased services, including Visa Prepaid Load
Services, because the Merchant or Prepaid Load Partner was unwilling or unable to provide the services1.
1. Prior to exercising the Chargeback, Cardholder must attempt to None.

resolve the dispute with the Merchant or the Merchant’s
liquidator, if applicable.
2. If date services were expected is not specified, Issuer must wait
until 30 calendar days from the Transaction Date before
exercising the Chargeback.
3. Chargeback is invalid for a No-Show Transaction or Advance
Deposit Transaction.
4. Chargeback amount is limited to the portion of services not
received.
5. Chargeback is invalid if the Cardholder cancelled service prior to
the expected service being rendered.
6. Chargeback is invalid for disputes regarding the quality of the
service rendered.
7. Chargeback is invalid when the Cardholder states that the
Transaction was fraudulent.
If the services were to be provided after the Transaction Processing Date, the 120 calendar-day time frame is calculated from the date that
the Cardholder expected to receive the service.

Group
6
187

188

Group

Cardholder or authorized person participated in the Transaction, and did not receive purchased services because Merchant was unwilling or
unable to provide the services1.

SERVICES NOT RENDERED BY Either that applies:
Exhibit 2E-6 Issuer stating both: 2. REVERSAL MMDDYY
1. Services not rendered by expected date Documentation:
2. Explanation of Cardholder attempt to None required.
resolve with Merchant
Documentation:
None required.

None required.
Documentation:
Both:
2. Documentation to prove that Cardholder
received services
Cardholder or authorized person did not receive ordered merchandise.
1. For an Electronic Commerce Transaction, prior to exercising the None.

Chargeback, Issuer must verify that Cardholder attempted to
resolve the dispute with the Merchant.
2. Chargeback amount is limited to the portion of the merchandise
or tickets not received.
3. Chargeback is invalid for the initial payment of a Delayed
Delivery Transaction when the remaining balance was not paid.
4. If a delivery date for the goods is not specified, Issuer must wait
until 30 calendar days from the Transaction Date before
exercising the Chargeback.
5. Chargeback is invalid if merchandise is being held by the
customs agency of the Cardholder’s country.
6. Chargeback is invalid if the Cardholder cancelled merchandise
prior to the expected delivery date.
7. Chargeback is invalid for disputes regarding the quality of
merchandise.
8. Chargeback is invalid when the Cardholder states that the
Transaction was fraudulent.
1. If the merchandise was to be provided after the Transaction Processing Date, the 120 calendar-day time frame is calculated from the date
that the Cardholder expected to receive the merchandise.

Group
6
189

190

Group

Cardholder or authorized person did not receive ordered Merchandise.

1. MERCH NOT RECEIVED MMDDYY Either that applies:
2. TICKETS NOT RECEIVED MMDDYY 1. CRED MMDDYY ARN X...X
3. MERCH NOT RECEIVED AGREED (23 or 24 digits)
LOCATION 2. REVERSAL MMDDYY
4. TICKETS NOT RECEIVED AGREED Documentation:
LOCATION None required.
Documentation:
Exhibit 2E-6 Issuer stating any of the 2. Issuer did not meet the applicable Member Message Text:
following, as applicable: Chargeback conditions. X...X (Specify the reason)
1. Merchandise or ticket was not received Documentation:
2. Expected arrival date of the None required.
merchandise or ticket
3. Merchandise or ticket not received at 3. Acquirer can remedy the Chargeback. Member Message Text:
agreed-upon location (Issuer must None required.
specify) Documentation:
4. For an Electronic Commerce Both:
Transaction, Issuer certification of 1. Exhibit 2E-6 Acquirer
Cardholder attempt to resolve with 2. Documentation to prove that
Merchant (unless prohibited by local merchandise or ticket was received by
law) Cardholder or authorized person on
agreed-upon date or at agreed-upon
location

Group
6
191

192

Group
Reason Code 90 Non-Receipt of Cash or Load Transaction Value at ATM or Load Device.
Cardholder participated in the Transaction, and did not receive, or received only a portion of cash or Load Transaction value.
Cardholder participated in the Transaction and did not receive cash or Load Transaction value, or received a partial amount.
1. Chargeback is limited to the amount not received. None.

2. Chargeback is invalid when Cardholder states that the
Transaction was fraudulent or the Transaction was posted twice.
insurance purposes.
3. The Acquirer or Load Acquirer must provide a copy of the ATM Transaction Record at pre-Arbitration to prove disbursed cash amount or
Load Transaction value. The Transaction Record must be in English with an explanation or key to the data fields in the Transaction
Record.

Cardholder participated in the Transaction, and did not receive cash or Load Transaction value, or received a partial amount.

1. CASH/VALUE NOT RECEIVED Either that applies:
2. CASH/VALUE PARTIAL AMOUNT 1. CRED MMDDYY ARN X...X
RECEIVED (23 or 24 digits)
None required.

Documentation:
None required.

Group
6
193

194

Group

Cardholder participated in the Transaction, and did not receive cash or Load Transaction value, or received a partial amount.


Either that applies:
1. TX TIME HH:MM, SEQ #XXXXX, AMT
DISPNS $XXX.XX
MMDDYY
Documentation:
None required.
2 Arbitration
2.1 ARBITRATION
Arbitration allows Visa to assign liability for a disputed Transaction when the Chargeback and
Representment process fails to resolve the dispute. This section specifies the allowable reasons
and procedures for Arbitration.
2.1.A Reason
If Members cannot resolve a dispute through the Chargeback and Representment process, a
Member may request Arbitration from Visa within the allowable time limits. The filing Member
is liable for any difference due to currency fluctuation between the amount originally presented
and the Chargeback or Representment amount.
2.1.B Pre-Arbitration Conditions

Before filing for Arbitration, the requesting Member must make a pre-Arbitration attempt if any
of the following conditions apply:
• New documentation or information is being provided to the opposing Member about the
dispute
• The Issuer changes the reason code for the dispute after the Representment was
processed
• Acquirer represented for Reason Code 81 involving an Airline Transaction, or for Reason
Code 83, with compelling evidence that the Cardholder participated in the Transaction.
Issuer must include recertification that states that the Cardholder did not participate in the
Transaction.
• The Transaction is an ATM Transaction and the ATM Transaction Record is required. The
Issuer must certify that either:
- The Cardholder requires a copy of the ATM Transaction Record
- The ATM Transaction Record is required for legal or insurance purposes
2.1.B.1 Pre-Arbitration Attempt

2.1.B.1.a A pre-Arbitration attempt must include the information required in Pre-Arbitration
Attempt (Exhibit 2N).
2.1.B.1.b The pre-Arbitration attempt must be initiated using a Visa-approved electronic case
filing method, at least 30 calendar days prior to the Arbitration filing date.
2.1.B.2 Pre-Arbitration Response

A Member must provide a copy of the ATM Transaction Record in response to a pre-
Arbitration request for an ATM Transaction.
2.1.B.3 Pre-Arbitration Acceptance or Rebuttal 2.1.C.2 Filing Procedures
2.1.B.3 Pre-Arbitration Acceptance or Rebuttal

2.1.B.3.a If the opposing Member accepts financial responsibility for the disputed Transaction,
it must credit the requesting Member for the last amount received by the requesting
Member through VisaNet, as specified in Volume I—General Rules, Section 8.6.B
within 30 calendar days of the pre-Arbitration attempt date.
2.1.B.3.b If the opposing Member does not accept financial responsibility for the disputed
Transaction, the requesting Member may pursue Arbitration.
2.1.B.3.c Acceptance or rebuttal of a pre-Arbitration attempt must be made through a Visa-
approved electronic case filing method.
2.1.C Arbitration Process

2.1.C.1 Filing Reasons
A Member may file for Arbitration under the following conditions:
• Required documentation to support the Representment was incomplete or not
transmitted within 8 calendar days of the Representment Processing Date. The
Member must wait 15 calendar days from the Representment Processing Date before
filing for this reason.
• Acquirer improperly represented a Chargeback
• Issuer processed a prohibited second Chargeback following any Representment
• Acquirer processed a prohibited second Representment
• Acquirer Reference Number/Tracing Data or Account Number did not match the
original data in the first Presentment or Chargeback record
2.1.C.2 Filing Procedures

2.1.C.2.a Filing Authority
The requesting Member may file its Arbitration request with either:1
• Its Group Member
• Visa
1
In Visa Europe, the option to file directly with Visa International applies only to a Member that does not have a Group
Member.
2.1.C.3 Invalid Request 2.1.C.3 Invalid Request
2.1.C.2.b Time Limit

The requesting Member must file its request within 60 calendar days of the
Processing Date of the Representment or Chargeback, using a Visa-approved
electronic case filing method. The 60 calendar-day period begins on the day following
the Processing Date, and includes the 30 calendar-day pre-Arbitration waiting period.
2.1.C.2.c In addition to the time limits specified in Section 2.1.C.2.b, a Group Member has 30
additional calendar days to forward a case submitted by its Member to Visa.
2.1.C.2.d Required Documentation
When seeking Arbitration, the requesting Member must provide all of the following, in
English:
• Information required in Summary of Arbitration Documentation (Exhibit 2J) for each
Transaction
• Information required in Pre-Arbitration Attempt (Exhibit 2N)
• Information required in Dispute Resolution Form (Exhibit 2E-1 through
Exhibit 2E-6), as applicable
• For non-English documents, translations (unless the requesting Member did not
receive the previously submitted documents in English)
• Any supporting documentation to ensure a fair decision, such as Authorization
records, registers, Merchant documents, and Member files
Additional information or documentation not previously provided to the opposing
Member must not be included in the case filing.
2.1.C.2.e Filing Fee
Visa collects a filing fee through VisaNet for requests submitted to Visa, as specified
in Volume I—General Rules, Section 8.6.B.
2.1.C.2.f Notification
The Member must send the Arbitration documentation for international Arbitration
cases electronically, using a Visa-approved method, within 60 calendar days of the
Processing Date of the Representment or Chargeback.
2.1.C.3 Invalid Request

2.1.C.3.a Group Members
If the Group Member determines that a request is invalid, it must return the request to
the requesting Member. The requesting Member has no further recourse with Visa.
2.1.C.4 Valid Request 2.1.C.4 Valid Request
2.1.C.3.b Visa
If Visa determines that a request is invalid, Visa may reject the case and retain the
filing fee in certain circumstances, such as:
• Documentation is illegible
• Summary of Arbitration Documentation (Exhibit 2J) information conflicts with
supporting documentation information
• Requesting Member did not file the request within the required time limits
• Requesting Member filed for Arbitration prematurely, not waiting 30 calendar days
for pre-Arbitration completion, if applicable
• Submitted documentation does not include evidence of a valid pre-Arbitration, if
applicable
• A single case was submitted involving multiple:
- Acquirers
- Issuers
- Account Numbers
- Merchants
- Filing reasons
2.1.C.4 Valid Request

2.1.C.4.a Visa Notification
For a valid request, Visa notifies both Members of acceptance and forwards a copy
of the case to the opposing Member.
2.1.C.4.b Opposing Member’s Response
The opposing Member must, within 30 calendar days of the Visa Notification date,
either:
• Respond to the Notification
• Accept financial responsibility for the Transaction by notifying the requesting
Member and Visa using a Visa-approved electronic case filing method
2.1.C.4.d Requesting Member’s Withdrawal, effective 4 April 2008
The requesting Member may withdraw its request. Once the case is withdrawn, Visa
will collect the filing fee from the responsible Member through VisaNet, as specified
in Volume I—General Rules, Section 8.6.A.
2.1.C.5 Appeal Rights Table 2-1: Arbitration Appeal Rights
2.1.C.4.e Visa Arbitration Decision

The Arbitration Committee bases its decision on all information available to it at the
time of reaching the decision, including, but not limited to, the provisions of the Visa
International Operating Regulations effective on the Transaction Date and may, at its
sole discretion, consider other factors such as the objective of ensuring fairness. The
decision is both:
• Issued in writing and delivered to both Members
• Final and not subject to any challenge, except for any right of appeal permitted
under Section 2.1.C.5
2.1.C.4.g Financial Liability, effective 4 April 2008
The decision may result in either:
• One Member assigned full liability
• Members sharing financial liability
The responsible Member is financially liable for all of the following, as specified in
Volume I—General Rules, Section 8.4.A:
• Transaction amount
If the opposing Member is responsible, the requesting Member may collect this
amount from the opposing Member throughVisaNet within 60 calendar days of
Notification from Visa.
• Review fee
If the responsible Member has domestic currency exchange controls, Visa collects
this fee through VisaNet within 30 calendar days of Notification to the Member.
• Filing fee
When the case is adjudicated Visa will collect the filing and review fees through
VisaNet from the responsible Member.
2.1.C.5 Appeal Rights

2.1.C.5.a Appeal Amount
The US dollar amount, or local currency equivalent of the case, determines whether
the adversely affected Member may appeal the decision, as shown in Table 2-1.
Table 2-1: Arbitration Appeal Rights
Disputed Amount Appeal Right Appeal Authority
Less than US $5,000 No Not applicable
US $5,000 to $100,000 Only if Member can provide Arbitration Committee

new evidence not previously
available
Greater than US $100,000 Only if Member can provide International Board

available
2.1.C.6 Appeal Filing Fee 2.1.C.7 Finality of Decision on Appeal
2.1.C.5.b Time Limits

The adversely affected Member must file for appeal within 60 calendar days of the
decision Notification date.
2.1.C.6 Appeal Filing Fee

2.1.C.6.a The requesting Member is assessed a filing fee.
2.1.C.6.b The requesting Member must not collect the filing fee from the opposing Member if
the original decision is reversed.
2.1.C.7 Finality of Decision on Appeal

The decision on any permitted appeal is final and not subject to any challenge.
3 Compliance
3.1 COMPLIANCE
Compliance allows a Member that has no Chargeback or Representment right to file a complaint
against another Member for a violation of the Visa International Operating Regulations. This section
specifies the allowable reasons for Compliance and the Compliance procedures.
3.2 FILING CONDITIONS

A Member may file for Compliance if all of the following are true:
• Violation of the Visa International Operating Regulations occurred
• Member has no Chargeback or Representment right
• Member incurred or will incur a financial loss as a direct result of the violation
• Member would not have incurred the financial loss had the violation not occurred
A violation not involving a Transaction is resolved as specified in Volume I—General Rules,

Section 1.6, and as deemed appropriate by Visa.
3.3 INTERCHANGE REIMBURSEMENT FEE COMPLIANCE

(EFFECTIVE 1 JULY 2008)
A Member may file for Compliance for violations of the Visa International Operating Regulations or
Regional Operating Regulations that result in the assessment of an incorrect Interchange
Reimbursement Fee.1
Conditions and requirements for filing Interchange Reimbursement Fee Compliance are specified
in Chapter 4, "Interchange Reimbursement Fee Compliance, Effective 1 July 2008".
1 This provision is not applicable to Transactions involving Issuers or Acquirers in the jurisdiction of Visa Europe.
3.4 PRE-COMPLIANCE CONDITIONS 3.4.C.3 Pre-Compliance Response
3.4 PRE-COMPLIANCE CONDITIONS

Before filing for Compliance, the requesting Member must attempt to resolve the dispute with the
opposing Member.
This attempt must include all of the following:
• Attempt date
• Clear identification as pre-Compliance attempt
• Planned Compliance filing date
• All pertinent documentation
• Specific section of the Visa International Operating Regulations violated
3.4.A Pre-Compliance Attempt

A pre-Compliance attempt must include the information required in Pre-Compliance
Questionnaire (Exhibit 2O).
The pre-Compliance attempt must be sent electronically, using a Visa-approved electronic

case filing method, at least 30 calendar days prior to the Compliance filing date.
3.4.B Data Compromise Recovery

Effective for data compromise event alerts issued on or after 1 October 2007, a violation
involving a data compromise event is resolved as specified in Volume I—General Rules,
Section 1.6.E and as determined by Visa.
SEE ALSO:
• Section 3.4.B, Section 3.5.B.2.a, and Data Compromise Recovery
• Volume I—General Rules, Section 1.6.E, Volume I—General Rules, Section 7.10.B, Volume I—
General Rules, Section 7.10.C, Volume I—General Rules, Section 7.11.B, and Volume I—General
Rules, Data Compromise Recovery
3.4.C Pre-Compliance Acceptance or Rebuttal

3.4.C.1 Pre-Compliance Acceptance
If the opposing Member accepts financial liability for the disputed Transaction, it must
credit the requesting Member for the last amount received by the requesting Member
through VisaNet, as specified in Volume I—General Rules, Section 8.6.B, within 30
calendar days of the pre-Compliance attempt date.
3.4.C.2 Pre-Compliance Rebuttal

If the opposing Member does not accept financial liability for the disputed Transaction,
the requesting Member may pursue Compliance.
3.4.C.3 Pre-Compliance Response

Acceptance or rebuttal of a pre-Compliance attempt must be made through a Visa-
approved electronic case filing method.
3.5 COMPLIANCE PROCESS 3.5.A.5 Copy Fulfillment
3.5 COMPLIANCE PROCESS
3.5.A Filing Reasons

A Member may file for Compliance for any violation of the Visa International Operating
Regulations, including the Transaction violations listed below:
3.5.A.1 Chargeback Reduction Service Return

3.5.A.1.a The Chargeback Reduction Service returned a valid Chargeback resulting from an
Acquirer transmitting invalid data such as:
• Incorrect Transaction Date
• Incorrect Merchant Category Code
• Invalid indicator for the Merchant or Transaction type
• Incorrect state/country code or special condition indicator
Required Documentation: Evidence of incorrect or invalid data
3.5.A.1.b The Chargeback Reduction Service returned a Transaction with a valid Authorization.
Required Documentation: Both:
• Disputed Transaction Receipt
• Proof that the Transaction received an Authorization
3.5.A.2 Hotel Reservation Service or Specialized Vehicle Reservation Service Transaction

A Cardholder used a Card at a Hotel Reservation Service or Specialized Vehicle
Reservation Service Merchant Outlet to make a reservation, and one of the following
occurred:
• Cardholder used and paid for the accommodations or car rental services by an
alternate means and was charged a No-Show Transaction fee
Required Documentation: Receipt showing payment to the Merchant by an alternate
means
• Merchant provided alternate accommodations or vehicle but the Cardholder was
charged for the Transaction
Required Documentation: Cardholder letter confirming the check-in date or car rental
date, Merchant Outlet, and location of the alternate accommodations or vehicle
• No-Show Transaction amount was different than that quoted to the Cardholder
Required Documentation: Written confirmation copy with the quoted rates
• Merchant did not inform the Cardholder of the exact Merchant Outlet location.
Cardholder used and paid for the accommodations or car rental at another outlet of
that Merchant.
Required Documentation: Payment receipt copy for other Merchant Outlet
3.5.A.5 Copy Fulfillment

3.5.A.5.a An Acquirer cannot remedy Chargeback Reason Code 60, Illegible Fulfillment
because it is not able to provide a legible Transaction Receipt copy.
3.5.A.6 Delayed or Amended Charges 3.5.A.10 Electronic Commerce Transaction

(Attempts Authentication)
3.5.A.5.b Issuer or Cardholder requires copy of Transaction Receipt for legal proceedings or a
law enforcement investigation, and the Retrieval Request was made within 12 months
of the TransactionProcessing Date.
Required Documentation: Either:
• Evidence that the Transaction Receipt is required for legal proceedings (e.g., court
order or subpoena)
• Issuer certification that the Transaction Receipt is required for a law enforcement
investigation
3.5.A.6 Delayed or Amended Charges

A Car Rental Company fails to support the charges for a dispute involving the validity of
delayed or amended charges for damage to a rental vehicle or a traffic violation, as
specified in Volume I—General Rules, Chapter 5, "Payment Acceptance."
3.5.A.7 Timeshare Transactions

An Issuer suffered a financial loss because the Merchant Category Code did not
correctly identify the Timeshare Merchant, as specified in Volume I—General Rules,
Section 5.1.E.10.
3.5.A.8 Card Acceptance Violations

A Merchant accepted a Card in a Card-Present Environment for which it had no
Merchant Agreement, and Authorization was not obtained from the Issuer (e.g., a Visa
Electron Card or a Visa TravelMoney Card was accepted at a Visa Merchant with
Manual Capability).
3.5.A.9 Non-Card
A Merchant created a Transaction Receipt that has an Imprint but no Authorization and
the card was not a Visa Card, Visa Electron Card, or Counterfeit Card.
3.5.A.10 Electronic Commerce Transaction (Attempts Authentication)

Cardholder requires additional information about an Electronic Commerce Transaction
coded with ECI value “6” and both:
• Cardholder did not assert that the Transaction was fraudulent
• Acquirer did not respond to the Retrieval Request with a Fulfillment or responded with
a Nonfulfillment Message code “03” or “04”
Required Documentation: Cardholder letter requesting more information about the
Transaction
3.5.A.11 Account Generated Counterfeit Fraud 3.5.B.1 Filing Authority
3.5.A.11 Account Generated Counterfeit Fraud

Counterfeit Transactions completed in a Card-Present Environment are the liability of
the Acquirer, if all of the following conditions are met:1, 2
• Transaction did not take place at a Chip-Reading Device
• Account Number was not resident on the Issuer’s Master File on the Transaction
Date
• All valid Cards bearing Account Numbers within the same account range as the
Counterfeit Card are Chip Cards containing a Visa or Visa Electron Smart Payment
Application
• Transaction was below Merchant’s Floor Limit and did not receive Authorization
• Account Number was resident on the Exception File with a Pickup Response on the
Processing Date of the Compliance filing and was on the Exception File for a total
period of at least 60 calendar days from the date of listing
3.5.B Filing Procedures

3.5.B.1 Filing Authority
3.5.B.1.a The requesting Member may file its Compliance request with either:3
• Its Group Member
• Visa
3.5.B.1.b The requesting Member must file all international Compliance cases electronically,
using a Visa-approved electronic case filing method.
1
A variance to this requirement applies in the jurisdictions of the Latin America and Caribbean and U.S.A. Regions,
to exclude Transactions involving Issuers and Acquirers from those Visa Regions.
2
A variance to this requirement applies in the jurisdiction of the Asia-Pacific Region, to exclude ATM Cash
Disbursement Transactions involving Issuers and Acquirers from that Visa Region.
3
In Visa Europe, the option to file directly with Visa International applies only to a Member that does not have a Group
Member.
3.5.B.2 Time Limits 3.5.B.3 Required Documentation
3.5.B.2 Time Limits

3.5.B.2.a The requesting Member must file its request within 120 calendar days of the following
dates. The 120 calendar-day period includes pre-Compliance and begins on the day
following these dates:
• For a Transaction violation, either:
- Processing Date
- Date the Member discovered that a violation occurred (not to exceed 2 years
from the Transaction Date), if no evidence of the violation was previously
available to the Member
• For other violations, the violation date. If the requesting Member does not meet the
allowed time limits, it loses its Compliance right and is financially liable for the
Transaction.
SEE ALSO:
• Section 3.4.B and Section 3.4.C
• Visa International Operating Regulations, Volume I—General Rules, Section 1.6.E,
Volume I—General Rules, Section 7.10.B, Volume I—General Rules, Section 7.10.C,
Volume I—General Rules, Section 7.11.B, and Volume I—General Rules, Data
Compromise Recovery
3.5.B.2.b In addition to the time limit specified in Section 3.5.B.2, a Group Member has 30
additional calendar days to forward a case submitted by its Member to Visa.
3.5.B.3 Required Documentation

When seeking Compliance, the requesting Member must submit all of the following in
English:
• Information required in Summary of Compliance Questionnaire (Exhibit 2K) for each
Transaction
• Information required in Pre-Compliance Questionnaire (Exhibit 2O)
• If the Compliance involves a prior Chargeback, a completed Dispute Resolution Form
(Exhibit 2E) for each Chargeback or Representment
• Any supporting documentation to ensure a fair decision, such as Authorization
records, registers, Merchant documents, and Member files
• Documentation substantiating that a financial loss would not have resulted had the
violation not occurred
• For non-English documents, translations (unless the requesting Member did not
receive the previously submitted documents in English)
Additional information or documentation not previously provided to the opposing
Member must not be included in the case filing.
3.5.B.4 Filing Fee 3.5.D.2 Opposing Member’s Response
3.5.B.4 Filing Fee

Visa collects a filing fee through VisaNet for requests submitted to Visa, as specified in
Volume I—General Rules, Section 8.4.A.
3.5.B.5 Notification
The requesting Member must send the required Compliance documentation for
international Compliance cases electronically, using a Visa-approved method.
3.5.C Invalid Request

3.5.C.1 Group Member
If the Group Member determines that a request is invalid, it must return the request to
the requesting Member. The requesting Member has no further recourse with Visa.
3.5.C.2 Visa
If Visa determines that a request is invalid, it may reject the case and retain the filing fee
in certain circumstances, such as:
• Requesting Member did not provide all necessary documentation
• Information required in the Summary of Compliance Questionnaire (Exhibit 2K)
conflicts with supporting documentation
• Documentation is illegible
• Submitted documentation does not include evidence of a valid pre-Compliance
attempt
• A single case was submitted involving multiple:
- Acquirers
- Issuers
- Account Numbers
- Merchants
3.5.D Valid Request

3.5.D.1 Visa Notification
For a valid request, the Compliance Committee notifies both Members of acceptance
and forwards a copy of the case to the opposing Member.
3.5.D.2 Opposing Member’s Response

The opposing Member must, within 30 calendar days of the Visa Notification date,
either:
• Respond to the Notification using a Visa-approved electronic case filing method
• Accept financial liability for the Transaction by notifying Visa and the requesting
Member
3.5.D.3 Requesting Member’s Withdrawal 3.5.D.5 Financial Liability
3.5.D.3 Requesting Member’s Withdrawal

3.5.D.3.a The requesting Member may withdraw its request.
3.5.D.3.d Effective 4 April 2008, once the case is withdrawn, Visa will collect the filing fee
through VisaNet, as specified in Volume I—General Rules, Section 8.6.A.
3.5.D.4 Visa Compliance Decision

3.5.D.4.a The Compliance Committee bases its decision on all information available to it at the
time of reaching the decision, including, but not limited to, the provisions of the Visa
International Operating Regulations effective on the Transaction Date and may, at its
sole discretion, consider other factors such as the objective of ensuring fairness. The
decision is both:
• Delivered to both Members
• Final and not subject to any challenge, except for any right of appeal permitted
under Section 3.5.E
3.5.D.4.b If Visa determines that the delayed or amended charge specified in Section 3.5.A.6 is
unsupportable or unreasonable, Visa may find the Acquirer liable for some or all of
the charge.
3.5.D.5 Financial Liability

3.5.D.5.a The decision may result in either:
• One Member assigned full liability
• Members sharing financial liability
3.5.D.5.c Effective 4 April 2008, the responsible Member is financially liable for all of the
following, as specified in Volume I—General Rules, Section 8.4.A.
If the opposing Member is responsible, the requesting Member may collect this
amount from the opposing Member through VisaNet within 60 calendar days of
written Notification from Visa.
• Review fee
If the responsible Member has domestic currency exchange controls, Visa collects
this fee through VisaNet within 30 calendar days of written Notification to the
Member.
• Filing fee
Effective 4 April 2008, Visa will collect the filing and review fees through VisaNet
from the responsible Member.
3.5.E Appeal Rights 3.5.E.4 Finality of Decision on Appeal
3.5.E Appeal Rights

3.5.E.1 Appeal Amount
The US dollar amount, or local currency equivalent of the case, determines whether the
adversely affected Member may appeal the decision, as shown in Table 3-1.
Table 3-1: Compliance Appeal Rights
Disputed Amount Appeal Right Appeal Authority
Less than US $5,000 No Not applicable
US $5,000 to $100,000 Only if Member can provide Compliance Committee

available
Greater than US $100,000 Only if Member can provide International Board

available
3.5.E.2 Time Limits

The adversely affected Member must file any appeal within 60 calendar days of the
decision Notification date.
3.5.E.3 Appeal Filing Fee

3.5.E.3.a The requesting Member is assessed a filing fee.
3.5.E.3.b The requesting Member must not collect the filing fee from the opposing Member if
the original decision is reversed.
3.5.E.4 Finality of Decision on Appeal

The decision on any permitted appeal is final and not subject to any challenge.
4 Interchange Reimbursement Fee
Compliance, Effective 1 July 2008
4.1 INTRODUCTION
The Interchange Reimbursement Fee Compliance process allows a Member to request
Compliance against another Member for violations of the Visa International Operating Regulations
or Regional Operating Regulations that result in the application of an incorrect Interchange
Reimbursement Fee to a large number of Transactions.1
The process permits a filing Member to aggregate multiple Transactions, affected by the application
of an incorrect Interchange Reimbursement Fee, into a single claim as specified in Section 4.2.B.
This chapter specifies the allowable reasons and the required procedures for filing Interchange
Reimbursement Fee Compliance. Compliance procedures for violations unrelated to Interchange
Reimbursement Fee are specified in Chapter 3, "Compliance".
4.2 FILING CONDITIONS

This section lists the criteria for filing Interchange Reimbursement Fee Compliance. A Member that
fails to meet these criteria may use the standard Compliance process described in Chapter 3,
"Compliance", if it meets the applicable criteria.
Visa reserves the right to refuse participation in the Interchange Reimbursement Fee Compliance
process by a filing Member. The decision to refuse participation by Visa is final and not subject to
any challenge.
1 This provision is not applicable to Transactions involving Issuers or Acquirers in the jurisdiction of Visa Europe.
Chapter 4: Interchange Reimbursement Fee Compliance, Effective 1 July 2008
4.2.A Eligibility Criteria 4.3.A Interchange Reimbursement Fee Compliance

Screening
4.2.A Eligibility Criteria

A Member may file for Interchange Reimbursement Fee Compliance if all of the following can
be substantiated:
• Violation of the Visa International Operating Regulations or the Regional Operating

Regulations occurred
• Member received or paid incorrect Interchange Reimbursement Fee as a direct result of

the violation
• Member’s financial loss is a direct result of an incorrectly applied Interchange

Reimbursement Fee rate
• Member would not have incurred a financial loss had the violation not occurred
• The violating Transaction was processed through VisaNet
• The Interchange Reimbursement Fee rate paid or received is not governed by any bi-lateral
or private agreements, either domestic, intra-regional, or inter-regional
• Visa has screened the request in accordance with Section 4.3.A and granted permission
for the Member to file
4.2.B Transaction Aggregation Criteria

For purported violations involving an incorrectly assessed Interchange Reimbursement Fee
rate, a filing Member may aggregate Transactions into a single Interchange Reimbursement
Fee Compliance case. The aggregated Transactions must have both:
• Violated the same Visa Operating Regulation
• Involved the same opposing Member
4.2.C Transaction Aggregation Limit

The number of Transactions a Member can aggregate into a single Interchange
Reimbursement Fee Compliance case must be both:
• More than 500
• Less than 50,000
4.3 INTERCHANGE REIMBURSEMENT FEE COMPLIANCE GENERAL

REQUIREMENTS
This section details the requirements associated with filing an Interchange Reimbursement Fee
Compliance case.
4.3.A Interchange Reimbursement Fee Compliance Screening

A Member must submit a screening request to its Regional Office prior to filing an Interchange
Reimbursement Fee Compliance case. Section 4.3 and Section 4.4 detail the requirements
and criteria for filing Interchange Reimbursement Fee Compliance.
4.3.A.1 Correspondence 4.3.A.3 Certification
4.3.A.1 Correspondence
4.3.A.1.a A Member must contact its Regional Office for permission to use the Interchange
Reimbursement Fee Compliance process and request the Interchange
Reimbursement Fee Compliance Screening Form and the Global Interchange
Reimbursement Fee Compliance Process Guide.
4.3.A.1.b The Interchange Reimbursement Fee Compliance Screening Form must be
completed by an officer of the filing Member and submitted within the time limits
specified in Section 4.3.A.2.
4.3.A.1.c The Interchange Reimbursement Fee Compliance Screening Form must be
submitted along with other necessary supporting documentation including a data file
containing the list of affected Transactions and the following information:
• The specific section of the Visa International Operating Regulations or Regional
Operating Regulations in dispute
• Description of the alleged Interchange Reimbursement Fee violation
• The Interchange Reimbursement Fee type for which the Transactions were eligible
• The total Interchange Reimbursement Fee assessed
• Name of the opposing Member
• Number of Transactions
• Range of Transaction Dates included in the aggregated claim
• Selected filing period, as specified in Section 4.3.A.2
• Certification that all Transactions included in the aggregated claim have been
accurately identified as having received an incorrect Interchange Reimbursement
Fee rate
4.3.A.2 Filing Period

4.3.A.2.a The filing Member must submit the Interchange Reimbursement Fee Compliance
Screening Form to its Regional Office within 90 calendar days of either:
• The Processing Date of the oldest Transaction submitted in the aggregated claim
• The date the Member discovered the violation, not to exceed 2 years from the
Processing Date of the oldest Transaction submitted in the aggregated claim
4.3.A.2.b Visa will reject a Member’s request to include Transactions beyond 90 days of the
Processing Date of the oldest Transaction submitted in the aggregated claim except
when it determines that extenuating circumstances prevented the Member from
discovering the violation sooner.
4.3.A.2.c If Visa rejects a Member’s attempt to include Transactions beyond 90 days of the
Processing Date, as specified in Section 4.3.A.2.b, the Member may resubmit a
revised Interchange Reimbursement Fee Compliance Screening Form containing
only the Transactions within 90 calendar days of the Processing Date.
4.3.A.3 Certification
4.3.A.3.a The Member must certify that all Transactions in the aggregated claim were assessed
an incorrect Interchange Reimbursement Fee rate.
4.3.A.4 Visa Interchange Reimbursement Fee 4.3.A.5 Invalid Requests—Compliance Screening

Compliance Screening Decision
4.3.A.3.b Visa reserves the right to reject all or part of the claim as specified in
Section 4.3.A.5.a, if it determines that some Transactions in the aggregated claim
were assessed the correct Interchange Reimbursement Fee.
4.3.A.4 Visa Interchange Reimbursement Fee Compliance Screening Decision

4.3.A.4.a Visa will analyze all the information made available by the requesting Member upon
receipt of the Interchange Reimbursement Fee Compliance Screening Form.
4.3.A.4.b Visa will determine the eligibility of each request on the basis of the information
provided by the Member in accordance with the rules in effect on the Transaction
Date, as stipulated in the applicable Operating Regulations and the Global
Interchange Reimbursement Fee Compliance Process Guide.
4.3.A.4.c Visa will communicate its screening decision to the requesting Member within 10
calendar days of receipt of the Interchange Reimbursement Fee Compliance
Screening Form. The decision is final and not subject to any challenge.
4.3.A.4.d If Visa approves a Member’s request to use the Interchange Reimbursement Fee
Compliance process, the Member may file pre-Compliance as specified in
Section 4.3.B.
4.3.A.4.e If Visa denies a Member’s request to use the Interchange Reimbursement Fee
Compliance process, the Member:
• Must not resubmit the claim except as specified in Section 4.3.A.6
• May use the standard Compliance process specified in Volume II—Dispute
Resolution Rules, Chapter 3, "Compliance"
• Forfeits the Interchange Reimbursement Fee Compliance Screening fee specified
in Section 4.3.A.7
4.3.A.4.f Visa reserves the right to reject a Member’s request to file Interchange
Reimbursement Fee Compliance for any reason, including those specified in
Section 4.3.A.5.
4.3.A.5 Invalid Requests—Compliance Screening

4.3.A.5.a Visa may deny a Member’s request to use Interchange Reimbursement Fee
Compliance for any reason including, but not limited to, the following:
• It reasonably concludes that a Member’s failure to exercise due diligence
prevented the violation from being discovered within 90 days from the Transaction
Processing Date
• If it determines that the assessment of the incorrect Interchange Reimbursement
Fee resulted from an error (intentional or accidental) by the filing Member
• If, contrary to Member certification specified in Section 4.3.A.3.a, Visa determines
that some Transactions included in the aggregated list were assessed the correct
Interchange Reimbursement Fee
4.3.A.5.b The decision regarding a Member’s ability to file Interchange Reimbursement Fee
Compliance is final and not subject to any challenge.
4.3.A.5.c A Member whose request for Interchange Reimbursement Fee Compliance has been
rejected as specified in this section may resubmit the request under certain
circumstances as stated in Section 4.3.A.6.
4.3.A.6 Re-submitting an Interchange 4.3.B.1 Attempt to Resolve
Reimbursement Fee Compliance Request
4.3.A.6 Re-submitting an Interchange Reimbursement Fee Compliance Request

4.3.A.6.a If a Member’s Interchange Reimbursement Fee Compliance Screening request is
rejected due to the Member’s failure to discover the violation within 90 calendar days,
as specified in Section 4.3.A.5.a, the Member may resubmit the Interchange
Reimbursement Fee Compliance Screening request with Transactions that are within
90 calendar days of the Processing Date of the oldest Transaction submitted in the
aggregated claim.
4.3.A.6.b Except as specified in Section 4.3.A.6.a, a Member may not resubmit any
Transactions for Interchange Reimbursement Fee Compliance if the original request
was denied by Visa for failing to meet the certification requirements specified in
Section 4.3.A.3.a.
4.3.A.6.c A Member who has been denied use of the Interchange Reimbursement Fee
Compliance process may file Compliance as specified in Chapter 3, "Compliance", if
the Transactions qualify for the time limits established for the standard Compliance
process
4.3.A.7 Fees
4.3.A.7.a Visa assesses a screening fee to the requesting Member for each aggregated
Interchange Reimbursement Fee Compliance Screening Form submitted.
4.3.A.7.b The Interchange Reimbursement Fee Compliance Screening fee is collected through
the Global Member Billing Solution, and charged to the BIN noted on the Interchange
Reimbursement Fee Compliance Screening Form.
4.3.A.7.c If the Member’s request to use the Interchange Reimbursement Fee Compliance
process is denied, the Member forfeits the Interchange Reimbursement Fee
Compliance Screening fee.
4.3.B Interchange Reimbursement Fee Pre-Compliance

If Visa approves a Member’s screening request for Interchange Reimbursement Fee
Compliance as specified in Section 4.3.A.4.c, the Member must first attempt to resolve the
dispute with the opposing Member through the pre-Compliance process.
4.3.B.1 Attempt to Resolve

4.3.B.1.a To initiate Interchange Reimbursement Fee pre-Compliance, the filing Member must
submit to the opposing Member a properly completed Pre-Compliance Questionnaire
(Exhibit 2O), through Visa Resolve Online.
4.3.B.1.b The filing Member must choose the violation code that corresponds to “Inappropriate
Interchange Reimbursement Fee” in Visa Resolve Online.
4.3.B.1.c In addition to filing through Visa Resolve Online, the filing Member must send a copy
of the signed Pre-Compliance Questionnaire (Exhibit 2O) to Visa as instructed by its
Regional Office.
4.3.B.2 Delivery of Pre-Compliance Documentation 4.3.B.3 Time Limit
4.3.B.1.d The filing Member must also submit to Visa the following:
• The Interchange Reimbursement Fee Compliance Screening Form evidencing
Visa approval of a Member’s Request to file Interchange Reimbursement Fee
Compliance
• An encrypted spreadsheet file containing a list of disputed Transactions and the
data fields specified in Section 4.3.B.1.e. The file must be transmitted to Visa, as
specified in Section 4.3.B.2. Visa forwards the file to the opposing Member.
• Any other pertinent documentation
4.3.B.1.e For each Transaction aggregated in the claim, the filing Member must include the
following information:
• Account Number
• Acquirer BIN
• Acquirer Reference Number
• Processing Date
• Transaction Date
• Interchange Reimbursement Fee applied
• Expected Interchange Reimbursement Fee
• Interchange Reimbursement Fee differential amount being claimed
• Merchant name
4.3.B.2 Delivery of Pre-Compliance Documentation

4.3.B.2.a The Member must submit the Pre-Compliance Questionnaire (Exhibit 2O) through
Visa Resolve Online to the opposing Member. At the same time, the filing Member
must electronically transmit another copy of the Pre-Compliance Questionnaire
(Exhibit 2O) to Visa via a Visa-approved secure mechanism as specified in the Global
Interchange Reimbursement Fee Compliance Process Guide, or as instructed by the
Regional Office.
4.3.B.2.b In addition to the Pre-Compliance Questionnaire (Exhibit 2O), the filing Member must
transmit a data file containing the Transaction information in an encrypted format
through the same Visa-approved secure mechanism.
4.3.B.2.c Visa will forward the encrypted data file to the opposing Member through the same
secure process. The filing Member may not forward the file directly to the opposing
Member.
4.3.B.3 Time Limit

4.3.B.3.a The Pre-Compliance Questionnaire (Exhibit 2O) must be sent to the opposing
Member and Visa within both:
• 10 calendar days of receiving screening approval from Visa, as specified in
Section 4.3.A.4.c
• At least 30 days before filing Interchange Reimbursement Fee Compliance
4.3.C Pre-Compliance Acceptance 4.4.B.2 Filing Time Limits
4.3.B.3.b The 10 day period begins from the date stamped on the Interchange Reimbursement
Fee Compliance Screening Form returned by Visa approving the Member’s request
to file Interchange Reimbursement Fee Compliance.
4.3.C Pre-Compliance Acceptance

If the opposing Member accepts financial responsibility for the disputed Transactions or if the
filing Member and opposing Member reach a mutually agreeable settlement, the opposing
Member must credit the requesting Member through VisaNet within 30 calendar days of the
Interchange Reimbursement Fee pre-Compliance correspondence date.
The filing Member may collect the screening fee from the responsible Member.
4.3.D Filing Compliance

If the opposing Member does not accept financial responsibility for the disputed Transactions
and an agreeable settlement cannot be reached, the filing Member may proceed to file
Interchange Reimbursement Fee Compliance.
Before filing for Compliance, the filing Member must verify that no credit has been received
from the opposing Member.
4.4 INTERCHANGE REIMBURSEMENT FEE COMPLIANCE PROCESS
4.4.A Filing Reasons

A Member may file Interchange Reimbursement Fee Compliance for a violation of the Visa
International Operating Regulations or the Regional Operating Regulations which results in
an incorrect Interchange Reimbursement Fee assessment, if the Member’s attempt to settle
the dispute with the opposing Member via the pre-Compliance process is unsuccessful.
4.4.B Filing Procedures

4.4.B.1 Required Documentation
4.4.B.1.a The filing Member must submit to Visa all necessary documentation approved by the
Center manager or an authorized officer.
4.4.B.1.b Unless specifically requested by Visa, no additional documents will be accepted
subsequent to the initial Interchange Reimbursement Fee Compliance filing.
4.4.B.2 Filing Time Limits

4.4.B.2.a The Member must submit a completed Summary of Compliance Questionnaire
(Exhibit 2K) through Visa Resolve Online within 60 calendar days of filing the
Pre-Compliance Questionnaire (Exhibit 2O) specified in Section 4.3.B.1.a.
4.4.B.2.b The calendar day period begins on the day following the date on which the Member
submits the Pre-Compliance Questionnaire (Exhibit 2O).
4.4.B.3 Delivery 4.4.E.1 Visa Review
4.4.B.3 Delivery
Any additional documentation required to support an Interchange Reimbursement Fee
Compliance filing must be transmitted through Visa Resolve Online:
• On the same day as the case filing
• As specified in the Visa International Operating Regulations or Regional Operating
Regulations and in the appropriate VisaNet User’s Manuals
4.4.B.4 Review Fee

4.4.B.4.a For Interchange Reimbursement Fee Compliance requests submitted to Visa, the
filing Member will be assessed a review fee.
4.4.B.4.b If either the opposing Member or the filing Member withdraw the Interchange
Reimbursement Fee Compliance case prior to a decision by Visa, as specified in
Section 4.4.D, Visa will reimburse the review fee to the filing Member.
4.4.B.4.c The filing Member forfeits the review fee if Visa determines that the case has no merit.
4.4.C Invalid Requests—Compliance Process

If Visa determines that a request is invalid, it may retain the review fee in certain
circumstances, such as:
• Documentation is insufficient or illegible
• Required documentation was not provided to the opposing Member
• Authorization of the Member’s Center manager is missing
• Requesting Member did not use available remedies provided for in the Visa International
Operating Regulations
• Submitted documentation does not include evidence of a valid pre-Compliance attempt
4.4.D Compliance Filing Withdrawal

A filing Member or the opposing Member may withdraw the request for Interchange
Reimbursement Fee Compliance. The withdrawal request must be submitted to Visa through
Visa Resolve Online no later than 30 days from the date of submission. Visa retains the
screening fee.
4.4.E Visa Interchange Reimbursement Fee Compliance Decision

4.4.E.1 Visa Review
4.4.E.1.a Upon receipt of the supporting documentation, Visa investigates the claim and
communicates its decision to both Members in writing.
4.4.E.1.b Visa uses all the information available to it at the time of reaching its decision and
refers to the Visa International Operating Regulations or Regional Operating
Regulations in effect on the date of the Transactions.
4.4.E.2 Financial Liability 4.4.F.1 Time Limits
4.4.E.1.c Visa reserves the right to rule in favor of the filing Member if Visa determines that the
claim has merit and the opposing Member does not respond.
4.4.E.1.d If Visa determines that a request is valid, it may allocate financial liability as specified
in Section 4.4.E.2.
4.4.E.1.e When an Issuer’s and Acquirer’s records differ, V.I.P. System records will prevail.
4.4.E.1.f Visa informs both Members of its decision in writing.
4.4.E.1.g The decision by Visa is final and not subject to any challenge, except for the right of
appeal permitted under Section 4.4.F.
4.4.E.2 Financial Liability

4.4.E.2.a If Visa determines that the opposing Member is responsible, the opposing Member is
financially liable for all of the following:
• Interchange Reimbursement Fee Compliance Screening fee
• Interchange Reimbursement Fee Compliance review fee
• The amount of the claim, or a portion thereof
4.4.E.2.b If the opposing Member is not found responsible, the filing Member:
• Forfeits the entire claim amount
• Forfeits the Interchange Reimbursement Fee Compliance Screening fee and the
review fee
• Is prohibited from resubmitting any Transactions from that claim through another
Interchange Reimbursement Fee Compliance process
4.4.E.3 Collection and Settlement

4.4.E.3.a Visa collects the settled claim amount from the responsible Member through VisaNet
and disburses it to the prevailing Member.
4.4.E.3.b If the opposing Member is responsible, Visa collects the Interchange Reimbursement
Fee Compliance Screening fee and the review fee to reimburse the filing Member, in
addition to the claim amount disbursed through VisaNet.
4.4.E.4 Exchange Rate Risk

4.4.E.4.a If the Transactions involve currency conversion, Visa will use the currency exchange
rate in effect on the day of the Interchange Reimbursement Fee Compliance filing.
4.4.E.4.b Visa is not liable for any Claims or Liabilities arising from any losses incurred by the
filing or opposing Member as a result of differences in the exchange rate between the
Transaction Processing Date and the date the claim is settled.
4.4.F Appeal Rights

4.4.F.1 Time Limits
4.4.F.1.a Any appeal by the adversely affected Member must be filed through Visa Resolve
Online within 45 calendar days of the decision Notification date.
4.4.F.1.b The appealing Member must submit with the appeal any new or additional information
necessary to substantiate its request for an appeal.
4.4.F.2 Appeal Fee 4.4.F.3 Appeal Decision
4.4.F.2 Appeal Fee

Visa will collect from the Member an appeal fee.
4.4.F.3 Appeal Decision

4.4.F.3.a Visa bases its decision on the new information provided by the requesting Member.
Each Member may submit arguments supporting its position. All decisions are final
and not subject to any challenge.
4.4.F.3.b Visa may decline an appeal if the new information is insufficient to support a change
to the initial Visa decision. If the appeal is not accepted, Visa retains the appeal fee.
B Merchant Data Standards
This appendix contains Merchant Category Codes, Floor Limit category codes, required Merchant
name abbreviations, and other applicable Merchant data standards.
Merchant Category Code Assignments

The Merchant Category Code is a four-digit number assigned to a Merchant by an
Acquirer that designates the principal trade, profession, or line of business in which the
Merchant is engaged.
If a Merchant is an Airline, Car Rental Company, or Hotel, the Acquirer must assign the
specific code for that Merchant in the T&E “3000” range of codes. If a specific code in
the “3000” range is not listed for a particular Merchant name, the Acquirer must assign
the general industry code (such as 4511 for Airlines, 7512 for Car Rental Companies, or
7011 for Hotels).
If a Merchant does not fit under a specific Merchant Category Code, the Acquirer must
assign it a general Merchant Category Code, such as 8999. These general “catch-all”
codes end with the numbers “99.”
Because Merchant Category Codes are used for a variety of reporting and risk
management purposes, it is critical that the Acquirer assign the correct Merchant
Category Code that best describes what the Merchant sells.
Members should refer to the Visa Merchant Data Manual for further information
regarding the assignment of Merchant Category Codes.
T & E Clarifications
A Merchant that manages the sales, rentals, or other uses of timeshares or condominiums
must be assigned Merchant Category Code 7012, “Timeshares” (a non-T&E code), as
specified in Volume I—General Rules, Section 5.1.E.10. When these Merchants operate as
full-service lodging establishments (i.e., providing maid and room service) an Acquirer may
assign Merchant Category Code 7011.
An Acquirer may process Transactions occurring at a gift shop, restaurant, or other

establishment located in a Hotel with the Merchant Category Code for the Hotel ONLY IF the
Merchant bills the Transaction to the Cardholder’s room. If payment is made separately with
a Visa Card at the Point-of-Transaction, the Acquirer must use the appropriate retail Merchant
Category Code (such as 5947 for gift ships or 5812 for restaurants).
Electronic Commerce Merchants

Merchants selling over an open network such as the Internet must be assigned the MCC that best
describes the merchandise or services sold. If the Merchant sells several products or services, the
MCC that best describes the majority of the sales must be assigned. In addition, appropriate
Electronic Commerce Indicators, as specified in (Exhibit NN) and (Exhibit OO) of the
Visa U.S.A. Inc. Operating Regulations, must be included in both the Authorization Request and
Clearing Messages.
Appendix B — Merchant Data Standards
Direct Marketing Merchant Category Code Direct Marketing Merchant Category Code
Assignments Assignments
Direct Marketing Merchant Category Code Assignments

An Acquirer may assign one of the following direct marketing Merchant Category Codes, as
applicable.
Direct Marketing Insurance Services (5960)—Insurance services that may

be offered via direct mail, billing statement insert, magazine, or television advertisement.
Prospective customers are given a telephone number or an address to which they reply
for enrollment in the service. Services offered include all forms of life insurance, hospital
indemnity insurance, accidental death and dismemberment insurance, or credit card
insurance. Services are often targeted to affinity groups. Billing of insurance premiums
typically takes the form of periodic (monthly, quarterly, annually) installments which
continue until cancelled either by the Cardholder or the insurance company. Insurance
agents are specifically excluded from this Merchant Category Code.
Example: An insurance company that solicits Cardholders for credit card insurance
via billing statement insert
Travel Related Arrangement Services (5962)—The Merchant initiates

contact with Cardholders via telephone calls, magazine, television ads, or through
mailings (other than a catalog) to generate sales or to offer potential customers an
incentive to call the Merchant. The Merchant’s direct contact methods are similar to the
Outbound Telemarketing Merchant, however, only travel related arrangements are sold.
Example: Discount Travel Clubs
Catalog Merchants (5964)—Goods are offered to consumers via a paper or

electronic catalog. This category code is designed for Merchants with no retail
(“face-to-face”) sales. A one-or two-page leaflet is not considered a catalog.
Example: Television shopping services, catalog services
Combination Catalog and Retail Merchants (5965)—Goods are sold to

consumers via a paper or electronic catalog and at one or more retail outlets. Catalog
sales must be processed under Merchant Category Code 5965 and all retail sales must
be processed under the appropriate retail Merchant Category Code, for which a
separate and unique Merchant name and Merchant identification number are required.
Examples: Department stores with catalog subsidiaries or divisions; electronics,

sports clothes/equipment, or gourmet food/equipment sold by catalog
and in retail stores
Outbound Telemarketing Merchants (5966)—The Merchant initiates contact

with Cardholders (for both products and services) via telephone calls or through mailings
(other than a catalog), instructing the Cardholder to call the Merchant.
This classification includes merchants known as “upsellers.” These merchants solicit
cardholders to make additional puchases when they contact call centers to purchase
products of other Direct Marketing merchants.
Examples: Distributors of cosmetics, health care products, and vitamins.

Merchants classified under this MCC (5966) are considered high-risk and must be
registered with the Visa High-Risk Telemarketing Merchant Registration Program.
Inbound Teleservices Merchants (5967)—Non-Business-to-business

audiotext/videotext and or digital content services accessed via telephone, fax, or over
an open network, such as the Internet for the purchase of services or information
including, but not limited to, pay-per-call services.
Examples: Horoscope readings, pay-per-call services, sports scores, stock market

quotations
Note: Also see Electronic Commerce/Information Services (4816) for services

accessed via computer modem.
Merchants classified under this MCC (5967) are considered high-risk and must be
registered with the Visa High-Risk Telemarketing Merchant Registration Program.
Continuity/Subscription Merchants (5968)—Products or services are

offered via subscription to a Cardholder on a continuing (monthly, quarterly) basis.
Examples: Record, tape or compact disc clubs, collectible services, periodicals
Other Direct Marketers (5969)—This category code is comprised of all other

direct marketing companies that do not meet the criteria for any of the above categories.
It includes Merchants offering one or two products per promotion, using multiple
approaches (including a one-or two-page leaflet with an order form or telephone number
for placing orders).
Examples: Theater or sports tickets by Mail/Phone Order, speciality items (such as

kitchen tools/appliances, exercise equipment) offered only through radio
or television
Not all Mail/Phone Order Transactions are necessarily direct marketing Transactions.
Charitable contributions, Quasi-Cash Transactions, T&E Transactions, and
Transactions occurring at health care locations effected through Mail/Phone Order are
not direct marketing Transactions. Excluded are tickets ordered by telephone but paid
for at the ticket booth; these are considered face-to-face transactions and must be
classified under MCC 7922 - Theatrical Producers (Except Motion Picture), Ticket
Agencies. Also excluded are merchants that primarily have face-to-face transactions
and are not cultivating a mail/telephone order customer base, but may occasionally
accept mail or telephone orders for customer convenience. These merchants must be
assigned the appropriate retail merchant category code that describes their business
and identify each mail/telephone transaction with the proper MO/TO or Electronic
Commerce Indicator value to indicate a non face-to-face transaction.
Merchant Data Standards, listed in alphabetical order by Merchant type B
MERCHANT TYPE MCC
ATM Cash Disbursements 6011
Accessories - Automotive 5533
Accessories - Home Furnishings 5719
Accessories - Men's, Boys' Clothing 5611
Accessories - Recreational Vehicles 5561
Accessories - Women's Accessory, Specialty Shops 5631
Accessory Shops—Not Elsewhere Classified 5699
Account Funding - Financial Institution 6012
Account Funding - Non-Financial Institution 6051
Accounting, Auditing, Bookkeeping Services 8931
Active Wear - Sports Apparel 5655
Ad Agencies 7311
Advertising Services 7311
Agencies - Advertising 7311
Agencies - Consumer Credit Reporting 7321
Agencies - Detective Agencies 7393
Agencies - Employment, Temporary Help Services 7361
Agencies - Protective Services, Including Armored Cars, Guard Dogs 7393
Agencies - Security Services 7393
Agencies - Ticket, Theatrical Producers 7922
Agricultural Cooperative 0763
Air Ambulance Services 4119
Air Conditioning Contractors 1711
Air Conditioning, Refrigeration Repair Shops 7623
Air or Ground Courier Services 4215
Aircraft Rentals 7999
◆ This MCC may only be used for Merchants engaged primarily in the sale of goods and/or
services to other businesses.
❂ This symbol indicates a new MCC or a change in the MCC.
✤ International Airline Program Participant
MERCHANT TYPE MCC
Airlines, Air Carriers—Not Elsewhere Classified 4511
Airplane, Aircraft Dealers 5599
Airport Shuttle Transportation 4789
Airports, Flying Fields, and Airport Terminals 4582
Alarm Systems, Services 7393
Alcohol - Liquor Stores 5921
Alcohol, Drug Abuse Counseling 7277
Alcoholic Beverages - Drinking Establishments 5813
Alimony Payments 9211
All-Terrain Vehicle Dealers 5599
Alterations 5697
Alumni/Alumnae Associations 8641
Ambulance Services 4119
Ammunition Stores 5999
Amusement Parks, Circuses, Carnivals, and Fortune Tellers 7996
Amusement Supplies - Video, Game 7993
Animal Boarding Services 7299
Animal Breeders 7299
Animal Doctors, Hospitals 0742
Animal Grooming Services 7299
Animal Training 7299
Animals, Pet Shops 5995
Answering Services - Telephone 7399
Antique Automobiles 5521
Antique Reproductions 5937
Antique Shops - Sales, Repairs, and Restoration Services 5932
Apparel—Not Elsewhere Classified 5699
MERCHANT TYPE MCC
Apparel - Children's, Infants' Wear 5641
Apparel - Clothing Rental - Costumes, Formal Wear, Uniforms 7296
Apparel - Family Clothing Stores 5651
Apparel - Furriers, Fur Shops 5681
Apparel - Men's, Boys' Clothing 5611
Apparel - Men's, Women's Clothing Stores 5691
Apparel - Sports, Riding Apparel Stores 5655
Apparel - Tailors, Seamstresses, Mending, Alterations 5697
Apparel - Women's Accessory, Specialty Shops 5631
Apparel - Women's Ready-to-Wear Stores 5621
Appliance Rentals 7394
Appliance Repair Shops 7629
Appliance Stores - Household—Not Elsewhere Classified 5722
Appraisers 8999
Aquariums, Seaquariums, Dolphinariums 7998
Arboretums 7991
Arcades - Video Games 7994
Architectural, Engineering, Surveying Services 8911
Arenas - Sports 7941
Armored Cars 7393
Art Dealers, Galleries 5971
Art Museums 7991
Art Schools 8299
Art, Graphics Services 7333
Artist's Supply, Craft Shops 5970
Asphalt Contractors 1771
Associations - Automobile 8675
MERCHANT TYPE MCC
Associations - Civic, Social, Fraternal Associations 8641
Athletic Apparel Stores 5655
Athletic Clubs - Physical Fitness 7997
Athletic Fields 7941
Athletic Shoe Stores 5661
Atlas, Map Stores 5999
Attorneys 8111
Auction Houses 8999
Audiotext Merchants 5967
Auditing Services 8931
Auto Detailing 7542
Automated Cash Disbursements 6011
Automated Fuel Dispensers 5542
Automated Referral Service (FOR VISA USE ONLY) 9700
Automobile - Motor Vehicle Supplies, New Parts ◆ 5013
Automobile - Parts, Accessories Stores 5533
Automobile Associations 8675
Automobile Clubs 8675
Automobile Driving Instruction 8299
Automobile Insurance - Sales (Direct Marketing) 5960
Automobile Insurance - Sales (Non-Direct Marketing) 6300
Automobile Parking Lots, Garages 7523
Automobile Rental Agency 7512
Automobile Towing Services 7549
Automobile/Truck Dealers (New/Used) Sales, Service, Repairs, Parts, 5511

Leasing
Automobile/Truck Dealers (Used Only) 5521
Automotive Body Repair Shops 7531
MERCHANT TYPE MCC
Automotive Cleaning, Waxing 7542
Automotive Dealers, Miscellaneous—Not Elsewhere Classified 5599
Automotive Glass Repair and Replacement 7538
Automotive Paint Shops 7535
Automotive Parts and Accessories Stores 5533
Automotive Race Tracks - Non Participatory 7941
Automotive Service Shops (Non-Dealer) 7538
Automotive Tire Stores 5532
Aviation Fuel 5983
Aviation Instruction 8299
Awnings - Residential, Commercial 5998
Baby Clothing 5641
Babysitting Services 8351
Backpacking Equipment 5941
Bagel Shops 5462
Bail, Bond Payments 9223
Bait, Tackle Stores 5941
Bakeries 5462
Ballet Schools 7911
Balloon Bouquets 5992
Ballooning 7999
Ballroom Dance Instruction 7911
Bands, Orchestras, and Miscellaneous Entertainers—Not Elsewhere 7929

Classified
Banks - Financial Institutions - Automated Cash Disbursements 6011
Banks - Financial Institutions - Manual Cash Disbursements 6010
Banks - Financial Institutions - Merchandise, Services 6012
MERCHANT TYPE MCC
Beauty and Barber Shops 7230
Bars 5813
Batting Cages 7999
Beauty Salons 7230
Beauty Spas 7298
Beauty Supply Stores 5999
Bed & Breakfast Establishments 7011
Bed, Bath Shops 5719
Bedding, Mattress Stores 5712
Beer Parlors 5813
Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, 7995
and Wagers at Race Tracks
Betting - Casino Gaming Chips 7995
Betting - Lottery Tickets 7995
Betting - Off-Track 7995
Betting - Wagers 7995
Bicycle Rentals 7999
Bicycle Shops - Sales, Service 5940
Billiard Parlors 7932
Billiard Tables - Sales 5941
Billiard, Pool Establishments 7932
Blood Banks 8099
Blueprinting Services 7338
Blueprinting, Photocopying Services 7332
Boarding Services - Animal 7299
Boat Dealers 5551
Boat Rentals and Leasing 4457
Boating Clubs 7997
MERCHANT TYPE MCC
Body Piercing, Tattoo Parlors 7299
Body Repair Shops - Automotive 7531
Bond Dealers 6211
Bond Payments 9223
Book Stores 5942
Bookbinding Services ◆ 2741
Bookkeeping Services 8931
Books, Periodicals, Newspapers ◆ 5192
Boot Shops 5661
Botanical Gardens 7991
Bottled and Distilled Water Dealers 5999
Bowling Alleys 7933
Boys' Camps 7032
Boys' Clothing, Accessories 5611
Breeders - Animal 7299
Breweries, Bars 5813
Bridal Shops 5621
Bridge, Toll Fees 4784
Brokers - Mortgage, Loan 8999
Brokers - Securities, Mutual Funds, Stocks, Commodities, Bonds 6211
Building Contractors - Residential, Commercial 1520
Building Materials 5211
Burglar Alarm Companies - Home/Business Security 7393
Bus Lines 4131
Business Services—Not Elsewhere Classified 7399
Business Supplies - Stationery, Office, Printing, Writing Supplies ◆ 5111
Business, Secretarial Schools (Non-Graduate) 8244
MERCHANT TYPE MCC
Butcher Shops 5422
Buying and Shopping Services and Clubs 7278
CD, Cassette, Record Stores 5735
Cable and Other Pay Television Services 4899
Cablegrams 4821
Cabs, Taxicabs, Limousines 4121
Cafes, Restaurants 5812
Cafeterias 5812
Cake Shops 5462
Camcorders, Other Electronics 5732
Camcorders, Photographic Equipment 5946
Camera, Photographic Supply Stores 5946
Campgrounds, Trailer Parks 7033
Camper, Recreational and Utility Trailer Dealers 5561
Camping - Trailer Parks, Campgrounds 7033
Camping Equipment 5941
Camps - Boys', Girls' 7032
Camps - Sporting, Recreational 7032
Candy, Nut, Confectionery Stores 5441
Car Body Repair Shops 7531
Car and Truck Dealers (New and Used) Sales, Service, Repairs, Parts, and 5511
Leasing
Car and Truck Dealers (Used Only) Sales, Service, Repairs, Parts, and 5521
Leasing
Car Paint Shops 7535
Car Parking Lots 7523
Car Parts, Accessories Stores 5533
MERCHANT TYPE MCC
Car Rental Agencies—Not Elsewhere Classified 7512
Car Service Shops 7538
Car Tires - New Only 5532
Car Tires - Retreads 7534
Car Washes 7542
Cardholder-Activated Fuel Dispensers 5542
Carnivals 7996
Carpentry Contractors 1750
Carpet, Rug Stores 5713
Carpet, Upholstery Cleaning 7217
Cash - Banks, Credit Unions, Financial Institutions, Automated Cash 6011

Disbursement
Cash - Banks, Credit Unions, Financial Institutions, Manual Disbursement 6010
Casino Gaming Chips 7995
Catalog Merchant - Direct Marketing 5964
Catalog, Retail Merchant - Direct Marketing 5965
Caterers 5811
Cellular Telephone Equipment 4812
Cellular Telephone Service 4814
Cement Contractors 1771
Central Reservation Services 7011
Chambers of Commerce 8641
Chapels 8661
Charitable, Social Service Organizations 8398
Charter Buses 4722
Cheese Shops 5451
Chemical Dependency Treatment Centers 8099
Chemicals, Allied Products—Not Elsewhere Classified ◆ 5169
MERCHANT TYPE MCC
Child Care Services 8351
Child Support Payments 9211
Children - Day Care Services 8351
Children's Camps 7032
Children's Uniforms ◆ 5137
Children's, Infants' Wear Stores 5641
Chimney Cleaning Service 7699
China, Crystal Stores 5950
Chiropodists, Podiatrists 8049
Chiropractors 8041
Chocolate Shops 5441
Churches - Religious Organizations 8661
Cigar Stores, Stands 5993
Cinemas 7832
Circuses, Amusement Parks, Carnivals 7996
Civic, Social, Fraternal Associations 8641
Classified Ads - Newspaper 7311
Classified Ads - Newspaper (via Direct Marketing) 5969
Cleaning Preparations ◆ 2842
Cleaning, Maintenance, and Janitorial Services 7349
Cleaning, Polishing - Automotive 7542
Clinics - Pet 0742
Clock Repair 7631
Clock Shop 5944
Clothing - Children's, Infants' Wear Stores 5641
Clothing - Family Clothing Stores 5651
Clothing - Formal Wear 5699
MERCHANT TYPE MCC
Clothing - Furriers, Fur Shops 5681
Clothing - Men's, Boys' Clothing, Accessory Stores 5611
Clothing - Men's, Women's Clothing Stores 5691
Clothing - Miscellaneous Apparel, Accessory Shops—Not Elsewhere 5699

Classified
Clothing - Sports Apparel, Riding Apparel Stores 5655
Clothing - Tailors, Seamstresses, Mending, Alterations 5697
Clothing - Women's Accessory, Specialty Shops 5631
Clothing - Women's Ready-To-Wear Stores 5621
Clothing Rental - Costumes, Uniforms, Formal Wear 7296
Club Stores - Wholesale Clubs 5300
Clubs - Automobile 8675
Clubs - Boating 7997
Clubs - Gun 7997
Clubs - Historical 8699
Clubs - Professional Sports 7941
Clubs - Racquetball 7997
Clubs - Sailing 7997
Clubs - Sports 7997
Clubs - Tennis 7997
Clubs - Yacht 7997
Coach Lines 4131
Coal Dealers 5983
Coat Stores - Furriers 5681
Coat Stores - Women's 5621
Cocktail Lounges 5813
Coffee Shops 5812
Coffee Stores 5499
MERCHANT TYPE MCC
Coin Stores 5972
Collectibles, Memorabilia Stores - Sports and Hobby 5999
Colleges, Universities, Professional Schools, Junior Colleges 8220
Comedy Clubs 5813
Commercial Artists 7333
Commercial Clothing - Men's, Women's, Children's ◆ 5137
Commercial Cooking, Food Service Equipment ◆ 5046
Commercial Equipment—Not Elsewhere Classified ◆ 5046
Commercial Footwear ◆ 5139
Commercial Furniture ◆ 5021
Commercial Photography, Art, Graphics 7333
Commercial Property Rentals 6513
Commercial Sports, Professional Sports Clubs, Athletic Fields, and Sports 7941
Promoters
Commodity Dealers 6211
Communications Equipment ◆ 5065
Community Assessed Penalties 9222
Community Colleges 8220
Commuter Transportation - Ferries 4111
Commuter Transportation - Railways 4111
Compact Disc, Cassette, Record Stores 5735
Computer Catalog Merchants - Electronic 5964
Computer Hardware (and Other Electronics) 5732
Computer Maintenance, Repair, Services—Not Elsewhere Classified ◆ 7379
Computer Network/Information Services 4816
Computer Programming, Data Processing, and Integrated Systems Design 7372

Services
Computer Software Design 7372
MERCHANT TYPE MCC
Computer Software Stores 5734
Computer Training Schools 8244
Computers, Computer Peripheral Equipment, Software ◆ 5045
Concrete Work Contractors 1771
Confectionery Shops 5441
Conference Management Services 7399
Consignment Shops 5931
Construction Companies 1520
Construction Materials 5211
Construction Materials—Not Elsewhere Classified ◆ 5039
Consultants - Management 7392
Consultants - Marketing 7392
Consultants - Public Relations 7392
Consulting, Management Services 7392
Consumer Credit Reporting Agencies 7321
Continuity/Subscription Merchant - Direct Marketing 5968
Contractors - Air Conditioning 1711
Contractors - Carpentry 1750
Contractors - Concrete Work 1771
Contractors - Decorating 1799
Contractors - Demolition Services 1799
Contractors - Electrical 1731
Contractors - Garage Door Installation 1799
Contractors - General Contractors - Residential, Commercial 1520
Contractors - Glasswork 1799
Contractors - Heating 1711
Contractors - Insulation 1740
MERCHANT TYPE MCC
Contractors - Masonry 1740
Contractors - Painting, Home and Building 1799
Contractors - Paper Hanging 1799
Contractors - Plastering 1740
Contractors - Plumbing 1711
Contractors - Roofing 1761
Contractors - Sheet Metal Work 1761
Contractors - Siding 1761
Contractors - Special Trade Contractors—Not Elsewhere Classified 1799
Contractors - Stonework 1740
Contractors - Tile Setting 1740
Contractors - Welding 1799
Contractors - Well Drilling 1799
Convalescent Homes 8050
Convenience Stores 5499
Convention Bureaus 7399
Cookie Stores 5462
Cooking Schools 8299
Cookware Stores 5719
Copy Services - Photographic, Photocopy, Microfilm Supplies ◆ 5044
Copy, Reproduction Services 7338
Correspondence Schools 8241
Cosmetic Distributors ◆ 5122
Cosmetic Stores 5977
Cosmetic Surgeons 8011
Costume Jewelry - Women's Accessory, Specialty Shops 5631
MERCHANT TYPE MCC
Costume Rental 7296
Counseling Services—Debt, Marriage, and Personal 7277
Country Clubs 7997
County Fairs 7996
Courier Services—Air and Ground, and Freight Forwarders 4215
Court Costs, Including Alimony, Child Support 9211
Court Stenographer 8999
Craft Shops 5970
Credit Counseling 7277
Credit Reporting Agencies 7321
Credit Unions - Financial Institutions - Automated Cash Disbursements 6011
Credit Unions - Financial Institutions - Manual Cash Disbursements 6010
Credit Unions - Financial Institutions - Merchandise, Services 6012
Crematories 7261
Cruise Lines 4411
Crystal Stores 5950
Culinary Instruction 8299
Currency - Foreign (Non-Financial Institutions) 6051
Curtain Stores 5714
Custodial Services 7349
Custom Made Clothing 5697
Custom Made Furniture 5712
Customs Bureaus 9311
Cut Glass, Crystal 5950
Cutlery - Kitchen 5719
Cutlery - Sporting Knives 5941
DJs - Dance Bands 7929
MERCHANT TYPE MCC
DMV - Department of Motor Vehicles 9399
Dairy Products Stores 5451
Dance Bands 7929
Dance Halls, Studios, Schools 7911
Data Processing Services 7372
Dating, Escort Services 7273
Day Care Services 8351
Dealers - Airplane, Aircraft 5599
Dealers - Antique Automobiles 5521
Dealers - Art Dealers, Galleries 5971
Dealers - Automobile/Truck (New/Used) Sales, Service, Repairs, Parts, 5511

Leasing
Dealers - Automobile/Truck (Used Only) 5521
Dealers - Boat 5551
Dealers - Fuel Dealers, Fuel Oil, Wood, Coal, Liquefied Petroleum 5983
Dealers - Golf Carts 5599
Dealers - Ice 5999
Dealers - Miscellaneous Automotive Dealers—Not Elsewhere Classified 5599
Dealers - Mobile Home, Parts, Equipment 5271
Dealers - Motor Home 5592
Dealers - Motorcycle, Moped, Motor Scooters 5571
Dealers - Newspapers 5994
Dealers - Recreational, Utility Trailer, Camper Dealers 5561
Dealers - Securities, Mutual Funds, Stocks, Commodities, Bonds 6211
Dealers - Snowmobile 5598
Debt Counseling 7277
Decorating Contractors 1799
B
MERCHANT TYPE MCC
Decorators - Interior 1799
Delicatessens 5499
Delivery Services - Local 4214
Demolition Services 1799
Dental Equipment, Supplies ◆ 5047
Dental Laboratories 8071
Dentists and Orthodontists 8021
Department Stores 5311
Department of Motor Vehicles 9399
Dermatologists 8011
Detective Agencies, Protective Agencies, and Security Services, Including 7393

Armored Cards and Guard Dogs
Detergents ◆ 5169
Diamond Stores 5944
Diaper Services 7210
Diners - Eating Establishments 5812
Direct Marketing - Catalog Merchant 5964
Direct Marketing - Combination Catalog and Retail Merchant 5965
Direct Marketing - Continuity/Subscription Merchant 5968
Direct Marketing - Inbound Teleservices Merchant 5967
Direct Marketing - Insurance Services 5960
Direct Marketing - Other Direct Marketers—Not Elsewhere Classified 5969
Direct Marketing - Outbound Telemarketing Merchant 5966
Direct Marketing - Travel-Related Arrangement Services 5962
Discotheques 5813
Discount Goods - Wholesale Clubs 5300
Discount Stores 5310
MERCHANT TYPE MCC
Disinfecting Services 7342
Distributor - Motion Picture, Video Tape Production, Distribution ◆ 7829
Distributors - Drugs, Druggists' Sundries, Toiletries ◆ 5122
Doctors and Physicians—Not Elsewhere Classified 8011
Doctors - Chiropodists, Podiatrists 8049
Doctors - Chiropractors 8041
Doctors - Optometrists, Ophthalmologists 8042
Dog Grooming Services 7299
Dog Training 7299
Dolphinariums 7998
Door-to-Door Sales 5963
Doughnut Shops 5462
Drapery Cleaning 7217
Drapery, Windowcovering, and Upholstery Stores 5714
Dress Shops 5621
Dressmakers 5697
Dried Fruit Shops 5441
Drinking Places (Alcoholic Beverages)—Bars, Taverns, Cocktail Lounges, 5813

Nightclubs, and Discotheques
Driver Education Class, School 8299
Drug Stores, Pharmacies 5912
Drug, Alcohol Abuse Counseling 7277
Drugs, Drug Proprietaries, Druggist Sundries ◆ 5122
Dry Cleaners 7216
Durable Goods ◆ 5099
Duty Free Stores 5309
DVD/Video Tape Rental Store 7841
MERCHANT TYPE MCC
Eating Places and Restaurants 5812
Educational Services—Not Elsewhere Classified 8299
Educational, Training Film Production ◆ 7829
Elder-Care Housing 8050
Electric Razor Stores - Sales, Service 5997
Electric Utilities 4900
Electrical Contractors 1731
Electrical Parts, Equipment ◆ 5065
Electrical Supplies 5251
Electrical, Small Appliance Repair Shops 7629
Electronic Bulletin Board Access 4816
Electronic Computer Catalog Merchants 5964
Electronic Parts 5732
Electronics Repair Shops 7622
Electronics Stores 5732
Elementary, Secondary Schools 8211
Emergency Vehicle Services 4119
Employment Agencies and Temporary Help Services 7361
Engineering Services 8911
Entertainers, Bands, Orchestras 7929
Entertainment - Movie Theaters 7832
Equestrian Apparel 5655
Equipment - Commercial—Not Elsewhere Classified ◆ 5046
Equipment - Computers, Computer Peripheral Equipment, Software ◆ 5045
Equipment - Electrical Parts, Equipment ◆ 5065
Equipment - Hardware, Equipment, Supplies ◆ 5072
MERCHANT TYPE MCC
Equipment - Heating Equipment, Supplies ◆ 5074
Equipment - Medical, Dental, Ophthalmic, Hospital Equipment, Supplies ◆ 5047
Equipment - Mobile Home Parts 5271
Equipment - Patient Monitoring ◆ 5047
Equipment - Photographic Supply Stores 5946
Equipment - Photographic, Photocopy, Microfilm Equipment, Supplies ◆ 5044
Equipment - Plumbing Equipment, Supplies ◆ 5074
Equipment - Telecommunications 4812
Equipment - Water Conditioning, Purification, Softening 5074
Equipment, Tool, Furniture, and Appliance Rental and Leasing 7394
Equipment Stores 5712
Escort Services 7273
Exchange - Foreign Currency (Non-Financial Institutions) 6051
Exercise Clubs 7997
Exercise Equipment 5941
Exhibits 7991
Expositions 7991
Exterminating, Disinfecting Services 7342
Exterminators 7342
Eye Doctors - Optometrists, Ophthalmologists 8042
Eyeglass Stores 8043
Fabric Goods ◆ 5131
Fabric Stores 5949
Fairs 7996
Family Clothing Stores 5651
Family Counseling 7277
MERCHANT TYPE MCC
Farm Management Services 0763
Fast Food Restaurants 5814
Faxing Services 4814
Fees - Bridge, Toll 4784
Fees - Court 9211
Ferries 4111
Fertility Clinics 8099
Filling Stations - Automotive Gasoline 5541
Film Developing 7395
Film Production 7333
Film Production, Distribution ◆ 7829
Films - Movie Theaters 7832
Financial Counseling Service 7277
Financial Institutions - Automated Cash Disbursements 6011
Financial Institutions - Manual Cash Disbursements 6010
Financial Institutions - Merchandise, Services 6012
Financial Planners 8999
Fines 9222
Fingernail Salons 7230
Fire Alarm Companies - Home/Business Security 7393
Fire Departments 9399
Fire Extinguishers ◆ 5099
Firearms, Ammunition Stores 5999
Firearms, Ammunition Stores ◆ 5099
Fireplaces, Fireplace Screens, Accessories Stores 5718
Fireworks Stores 5999
Fish, Seafood Markets 5422
MERCHANT TYPE MCC
Fishing - Equipment, Bait, Tackle 5941
Fitness Clubs 7997
Floor Covering Stores 5713
Florist Supplies, Nursery Stock, Flowers ◆ 5193
Florists 5992
Flower Shops 5992
Flying Fields 4582
Flying Instruction 8299
Food - Fast Food Restaurants 5814
Food Preparation - Catering 5811
Food Service Equipment - Commercial Cooking Equipment ◆ 5046
Food Stores - Convenience 5499
Food Stores - Grocery Stores, Supermarkets 5411
Food Testing Services ◆ 8734
Foot Doctors 8049
Footwear - Commercial ◆ 5139
Footwear Stores 5661
Foreign Currency (Non-Financial Institutions) 6051
Forensic Laboratories ◆ 8734
Formal Wear Rental 7296
Fortune Tellers, Mystics, Tarot Readings 7996
Frame Shops - Photograph, Poster 5999
Fraternal Associations 8641
Freezer, Locker Meat Provisioners 5422
Freight - Rail, Train Transportation 4011
Freight Carriers, Trucking and Storage 4214
Freight Forwarders, Courier Services 4215
MERCHANT TYPE MCC
Frozen Meats, Seafood 5422
Fruit Markets 5499
Fuel Dealers—Fuel Oil, Wood, Coal, and Liquefied Petroleum 5983
Fuel Dispensers - Automated 5542
Fuel Products, Services ◆ 5172
Fund-Raising - Political 8641
Fund-Raising Organizations - Non Political 8398
Fund-Raising Organizations - Political 8651
Funeral Services, Crematories 7261
Furnace Cleaning Service 7699
Furniture - Office, Commercial ◆ 5021
Furniture Rental 7394
Furniture—Reupholstery, Repair, and Refinishing 7641
Furniture, Home Furnishings, Equipment Stores, Except Appliances 5712
Furriers, Fur Shops 5681
Galleries, Art Dealers 5971
Game Supplies - Video, Amusement 7993
Games Instruction 7999
Games Stores 5945
Garage Door Installation 1799
Garages, Parking 7523
Garbage Collectors 4900
Gardening Services 0780
Gardening Supplies 5261
Gardening Supplies ◆ 5193
MERCHANT TYPE MCC
Gardens - Botanical 7991
Garment Services 7210
Gas Lighting Fixtures ◆ 5099
Gas Pumps (Automated Fuel Dispensers) 5542
Gas Stations With or Without Ancillary Services 5541
Gas Utilities 4900
Gasoline - Self Service Terminals 5542
Gasoline - Service Stations 5541
GCCS Emergency Services 9702
Gems, Precious Metals, Jewelry 5944
Gemstones, Precious Stones, Metals, Watches, Jewelry ◆ 5094
General Contractors - Residential, Commercial 1520
General Merchandise - Miscellaneous 5399
Gift, Card, Novelty, Souvenir Shops 5947
Girls' Camps 7032
Glass, Paint, and Wallpaper Stores 5231
Glassware/Crystal Stores 5950
Glasswork Contractors 1799
Golf - Driving Ranges 7999
Golf Courses - Private 7997
Golf Courses - Public 7992
Golf Equipment 5941
Goods - Durable—Not Elsewhere Classified ◆ 5099
Goods - Nondurable—Not Elsewhere Classified ◆ 5199
Gourmet Food Stores 5499
Government Services—Not Elsewhere Classified 9399
Grade Schools 8211
MERCHANT TYPE MCC
Graduate Schools 8220
Grammar Schools 8211
Graphic Designers 8999
Graphics - Commercial 7333
Gravestones, Monuments - Retail Sales, Installation 5999
Gravestones, Monuments - Wholesale, Installation ◆ 5099
Greenhouses 5261
Grocery Stores and Supermarkets 5411
Ground or Air Courier Services 4215
Guard Dogs 7393
Guest Speakers, Lecturers 8999
Guitar Stores 5733
Gun Clubs 7997
Gun Shops 5941
Hair Accessories ◆ 5131
Hair Cutting 7230
Hair Pieces, Extensions 5698
Hair Replacement - Non-Surgical 5698
Hair Replacements - Surgical 8099
Hair Salons 7230
Hair Styling 7230
Hairdressers 7230
Hand Made Clothing 5697
Hand Tools 5251
Hand Tools ◆ 5072
Handbag Stores 5631
MERCHANT TYPE MCC
Harbors 4468
Hardware - Computer ◆ 5045
Hardware Stores 5251
Hardware, Equipment, Supplies ◆ 5072
Hat Cleaning Shops 7251
Hat Shops - Men's 5611
Hat Shops - Women's 5631
Headstones, Monuments 5999
Health Clubs 7997
Health Food Stores 5499
Health Insurance - Sales 6300
Health Practitioners - Doctors—Not Elsewhere Classified 8011
Health Practitioners, Medical Services—Not Elsewhere Classified 8099
Health, Beauty Spas 7298
Hearing Aids—Sales, Service, and Supplies 5975
Hearing Testing Services 8099
Hearth, Accessories Stores 5718
Heating - Fireplace, Accessories Stores 5718
Heating Contractors 1711
Heating Equipment, Supplies ◆ 5074
Heating, Plumbing, and Air Conditioning Contractors 1711
High Fidelity Equipment 5732
High Schools 8211
Hiking Equipment 5941
Historical Clubs 8699
Hobby Shops 5945
Hobby, Toy and Game Shops 5945
MERCHANT TYPE MCC
Home Furnishing Specialty Stores - Miscellaneous 5719
Home Furnishings, Furniture 5712
Home Heating Fuel Dealers 5983
Home Security Systems 7393
Home Supply Warehouse Stores 5200
Home Window Replacement 1799
Homeowners Insurance - Sales 6300
Horse Boarding Services 7299
Horseback Riding 7999
Horticultural Services 0780
Hospice Facilities 8050
Hospital Equipment, Supplies ◆ 5047
Hospitals 8062
Hospitals - Pet 0742
Hot Tub, Sauna Shops 7298
Hot Tubs, Spas - Sales, Service, Supplies 5996
Hotels 7011
House Cleaning Services 7349
Household Appliance Stores 5722
Housekeeping Services 7349
Housewares Stores 5719
Housing - Rental Services 7299
Hunting Equipment, Supplies 5941
Hunting Licenses 7999
Ice Cream Shops 5499
Ice Dealers 5999
MERCHANT TYPE MCC
In-Line Skates Shops 5941
Inbound Teleservices Merchant - Direct Marketing 5967
Income Tax Service 8931
Industrial Supplies—Not Elsewhere Classified ◆ 5085
Infants' Clothing 5641
Information Retrieval Services ◆ 7375
Information Services - via Computer Networks 4816
Inns 7011
Instruction - Dance Schools 7911
Instruction - Games 7999
Instruments - Musical 5733
Insulation Contractors 1740
Insurance Sales, Underwriting, and Premiums 6300
Insurance Services - Direct Marketing 5960
Interior Decorators 1799
Intra-Company Purchases 9950
Investment Firms - Dealers, Brokers 6211
Janitorial Services 7349
Jeans, Denim Clothing Stores 5651
Jet Skis - Rental, Leases 4457
Jewelry - Costume 5631
Jewelry - Fine ◆ 5094
Jewelry - Fine 5944
Jewelry Repair 7631
Jewelry Stores, Watches, Clocks, Silverware Stores 5944
Job Training Services 8299
MERCHANT TYPE MCC
Journals ◆ 5192
Junior Colleges 8220
Junk Yards 5935
Karate Schools 8299
Kennels - Animal 7299
Keys - Locksmith 7399
Kindergartens 8211
Kitchenware Stores 5719
Knitting Shops 5949
Labor Unions 8699
Laboratories - Medical, Dental 8071
Laboratories - Testing (Non-Medical) ◆ 8734
Lamp, Lighting Shops 5719
Landscaping, Horticultural Services 0780
Language, Translation Services 7399
Laundries - Family, Commercial 7211
Laundromats 7211
Laundry - Dry Cleaners 7216
Laundry, Cleaning, Garment Services 7210
Law Offices 8111
Lawn, Garden Supply 5261
Lawyers 8111
Leasing - Automobile/Truck 5511
Leasing Services - Equipment 7394
Leasing Services - Motor Homes, Recreational Vehicles 7519
MERCHANT TYPE MCC
Leasing Services - Trucks, Utility Trailers 7513
Leather Goods Stores 5948
Lecturers 8999
Legal Services and Attorneys 8111
Life Insurance - Sales 6300
Lighting Fixtures, Supplies 5251
Limousines 4121
Linen Shops 5719
Lingerie Stores 5631
Linoleum Stores 5713
Liquefied Petroleum Dealers 5983
Liquor Stores 5921
Local Delivery Service 4214
Local Telecommunication Service 4814
Local and Suburban Commuter Passenger Transportation, Including 4111

Ferries
Locksmiths 7399
Lodging - Hotels, Motels, Resorts, Central Reservation Services—Not 7011

Elsewhere Classified
Long Distance Telecommunication Service 4814
Long Distance Trucking Services 4214
Lottery Tickets 7995
Lounges 5813
Lube Stations - Quick Stop 7538
Luggage ◆ 5099
Luggage, Leather Goods Stores 5948
Lumber, Building Materials Stores 5211
B
MERCHANT TYPE MCC
Machine Shops 7699
Made-to-Order Clothing 5697
Made-to-Order Furniture 5712
Magazine Subscriptions (Direct Mail Only) 5968
Magazines (Newsstands) 5994
Magazines ◆ 5192
Magic Shops 5999
Magicians 7929
Mail, Packing Stores, Services 7399
Maintenance - Computer Maintenance, Repair, Services—Not Elsewhere 7379

Classified ◆
Maintenance Services 7349
Make-Up Stores 5977
Make-Up Studios 7230
Management Consultants 7392
Management, Consulting, Public Relations Services 7392
Manicurist 7230
Manual Cash Disbursements 6010
Map, Atlas Stores 5999
Marina Service Stations 5541
Marinas, Marine Service, and Supplies 4468
Market Research Firms 8999
Marketing Consultants 7392
Marriage Counseling 7277
Masonry, Stonework, Tile Setting, Plastering, Insulation Contractors 1740
Massage - Therapeutic 8099
MERCHANT TYPE MCC
Massage Parlors 7297
Materials - Cleaning, Polishing, Sanitation ◆ 2842
Materials - Construction—Not Elsewhere Classified ◆ 5039
Materials - Lumber, Building 5211
Maternity Stores 5621
Mattress Stores 5712
Meat Markets, Meat Lockers 5422
Medical Insurance - Sales 6300
Medical Professionals - Chiropractors 8041
Medical Professionals - Dentists, Orthodontists 8021
Medical Professionals - Doctors—Not Elsewhere Classified 8011
Medical Professionals - Hospitals 8062
Medical Professionals - Medical Services, Health Practitioners—Not 8099

Medical Professionals - Medical, Dental Laboratories 8071
Medical Professionals - Nursing, Personal Care Facilities 8050
Medical Professionals - Opticians 8043
Medical Professionals - Optometrists, Ophthalmologists 8042
Medical Professionals - Osteopaths 8031
Medical Professionals - Podiatrists 8049
Medical Services, Health Practitioners—Not Elsewhere Classified 8099
Medical, Dental Laboratories 8071
Medical, Dental, Ophthalmic, Hospital Equipment, Supplies ◆ 5047
Medicine - Prescriptions, Pharmacies 5912
Meeting Planning Services 7399
Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and 7997

Private Golf Courses
Membership Organizations—Not Elsewhere Classified 8699
MERCHANT TYPE MCC
Memorabilia, Souvenir Shops 5947
Men's Uniforms ◆ 5137
Men's, Boys' Clothing and Accessories Stores 5611
Men's, Women's Clothing Stores 5691
Mending, Alterations 5697
Mental Health Practitioners 8099
Merchandise, Services - Financial Institutions 6012
Message, Paging Services 7399
Metal Service Centers, Offices ◆ 5051
Microbreweries, Bars 5813
Microfilm Supplies ◆ 5044
Middle Schools 8211
Mini Markets 5499
Miniature Golf 7999
Miscellaneous Apparel, Accessory Shops 5699
Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers—Not 5599

Miscellaneous Food Stores—Convenience Stores and Specialty, Markets 5499
Miscellaneous General Merchandise 5399
Miscellaneous Home Furnishing Specialty Stores 5719
Miscellaneous Other Services—Not Elsewhere Classified 7299
Miscellaneous Personal Services—Not Elsewhere Classified 7299
Miscellaneous Publishing, Printing ◆ 2741
Miscellaneous Repair Shops, Related Services—Not Elsewhere Classified 7699
Miscellaneous Special Contractors—Not Elsewhere Classified 1799
Miscellaneous Transportation Services—Not Elsewhere Classified 4789
Miscellaneous, Specialty Retail Stores 5999
Mobile Home Dealers, Parts, Equipment 5271
MERCHANT TYPE MCC
Modeling Schools 8299
Money - Foreign Currency 6051

(Non-Financial Institutions)
Money Orders - Not Wire Transfer (Non-Financial Institutions) 6051
Money Orders - Wire Transfer 4829
Monuments, Gravestones - Sales, Installation 5999
Moped Dealers, Parts, Accessories 5571
Mortgage Brokers 8999
Mortgage Companies - Financial Institutions 6012
Mortgage Companies - Non-Financial Institutions 6051
Mortuaries, Morticians 7261
Mosques 8661
Motels 7011
Motion Picture Theaters 7832
Motion Picture, Video Tape Production, Distribution ◆ 7829
Motorcycle Rentals 7999
Motor Freight Carriers and Trucking—Local and Long Distance, Moving and 4214
Storage Companies, and Local Delivery
Motor Home Dealers 5592
Motor Homes, Recreational Vehicle Rentals 7519
Motor Scooter Dealers, Parts, Accessories 5571
Motor Vehicle Dealers (New/Used) 5511
Motor Vehicle Supplies, New Parts ◆ 5013
Motor Vehicle Supplies, Parts 5533
Motor Vehicle Violations 9222
Motorboat Dealers 5551
Motorcycle Shops, Dealers 5571
Mountain Bikes 5940
MERCHANT TYPE MCC
Movie Theaters 7832
Moving Companies 4214
Moving, Storage Companies 4214
Muffler Shops 7538
Museums 7991
Music Bands 7929
Music Stores - Prerecorded Records, CDs, Cassettes 5735
Music Stores—Musical Instruments, Pianos, and Sheet Music 5733
Musical Instruments ◆ 5099
Musicians 7929
Mutual Funds Brokers 6211
Nail Salons 7230
Nannies 8351
Necktie Stores 5611
Needlework Shops 5949
News Dealers, Newsstands 5994
Newspapers 5994
Newspapers, Newspaper Agencies ◆ 5192
Nightclubs 5813
Non-Financial Institutions—Foreign Currency, Money Orders (not Wire 6051

Transfer), Travelers’ Cheques
Nondurable Goods—Not Elsewhere Classified ◆ 5199
Notions ◆ 5131
Novelty Shops 5947
Numismatic Supplies 5972
Nurseries and Lawn and Garden Supply Stores 5261
Nursery Schools 8351
MERCHANT TYPE MCC
Nursery Stock ◆ 5193
Nursing Homes 8050
Nursing, Personal Care Facilities 8050
Nut Shops 5441
Obstetricians 8011
Off-Track Betting 7995
Office Machine Repair Shops 7629
Office Supplies (Business-to- 5111

Business) ◆
Office Supply Stores 5943
Office, Commercial Furniture ◆ 5021
Oil Changers - Lube Stations 7538
Oil Dealers 5983
Optometrists and Ophthalmologists 8042
Optical Goods 8043
Opticians, Optical Goods, Eyeglasses 8043
Optometrists, Ophthalmologists 8042
Orchards 0763
Orchestras 7929
Organizations - Charitable, Social Service 8398
Organizations - Membership Organizations—Not Elsewhere Classified 8699
Organizations - Non Political 8398
Organizations - Political 8651
Organizations - Religious 8661
Orthodontia Supplies ◆ 5047
Orthodontists 8021
Orthopedic Goods - Prosthetic Devices 5976
MERCHANT TYPE MCC
Orthopedists 8011
Orthotics, Prosthetic Devices 5976
Osteopaths 8031
Other General Services—Not Elsewhere Classified 7299
Outboard Motor Dealers 5551
Outbound Telemarketing Merchant - Direct Marketing 5966
Outdoor Furnishings 5712
Outerwear Stores - Women's 5621
Package Stores—Beer, Wine, and Liquor 5921
Package Tour Operators 4722
Package Tour Operators - Germany Only (Not Available for Use in the U.S.) 4723
Packing, Mailing Services 7399
Pagers, Paging Equipment 4812
Paging, Message Service Centers 7399
Paint Shops - Automotive 7535
Paint, Painting Supplies 5231
Paint, Varnishes, Supplies ◆ 5198
Painting Contractors - Home, Building 1799
Paper - Writing, Printing, Stationery, Office Supplies ◆ 5111
Paper Hanging Contractors 1799
Paperbacks - Book Stores 5942
Parachuting 7999
Parking Lots, Parking Meters and Garages 7523
Parks - Amusement 7996
Parks and Recreation - Registration 9399
Parts - Electrical, Equipment ◆ 5065
MERCHANT TYPE MCC
Parts - Motor Vehicle Supplies, New Parts ◆ 5013
Parts, Automotive 5533
Parts, Recreational Vehicles 5561
Party Supply Stores 5999
Passenger Railways 4112
Pastry Shops 5462
Patio, Porch Furnishings Stores 5712
Pawn Shops 5933
Pay Radio Services 4899
Pay Television Services, Cable 4899
Payments - Alimony, Child Support 9211
Payments - Bail, Bond 9223
Payments - Department Store Proprietary Card Account 5311
Payments - Tax 9311
Pediatricians 8011
Performing Arts Companies - Theatrical 7922
Perfume Distributors ◆ 5122
Periodicals (Newsstands) 5994
Periodicals ◆ 5192
Personal Computers 5732
Personal Counseling 7277
Personal Shopper 7278
Pest Control 7342
Pet Clinics 0742
Pet Grooming Services 7299
Pet Shops, Pet Foods, Supplies Stores 5995
Petroleum, Petroleum Products ◆ 5172
MERCHANT TYPE MCC
Pharmaceuticals ◆ 5122
Pharmacies 5912
Philatelic Supplies 5972
Photocopy Supplies ◆ 5044
Photocopying Services 7338
Photofinishing Laboratories and Photo Developing 7395
Photographers - Wedding 7221
Photographic Studios 7221
Photographic, Photocopy, Microfilm Equipment, Supplies ◆ 5044
Photography - Commercial 7333
Photography Supply Stores 5946
Physical Therapists 8099
Physicians 8011
Pianos 5733
Picture Frames, Framing Shops 5999
Pie Shops 5462
Piece Goods, Notions, Other Dry Goods ◆ 5131
Pipe Shops 5993
Pizzerias 5812
Plane Dealers (Aircraft) 5599
Plant Shops 5261
Plant Store 5992
Plants ◆ 5193
Plastering Contractors 1740
Plastic Surgeons 8011
Plate Making Services ◆ 2791
Plumbing Contractors 1711
MERCHANT TYPE MCC
Plumbing Supplies 5251
Plumbing, Heating Equipment, Supplies ◆ 5074
Podiatrists and Chiropodists 8049
Police Athletic Leagues (PAL) 8641
Police Departments 9399
Polishing Preparations ◆ 2842
Political Fund-Raising 8651
Political Organizations 8651
Pollution Testing ◆ 8734
Pool Tables - Sales 5941
Pool, Billiard Parlors 7932
Pools - Public Swimming 7999
Pools - Swimming, Sales, Service, Supplies 5996
Popcorn Stands 5441
Portrait Studios 7221
Postage Stamps 9402
Postal Services - Non Government 7399
Postal Services - U.S. Government 9402
Pottery Stores 5719
Poultry Shops 5499
Power Tools 5251
Powerboat Dealers 5551
Powerboats - Rental, Leases 4457
Precious Gems, Metals, Jewelry 5944
Precious Stones, Metals, Watches, Jewelry ◆ 5094
Prepaid Calling Cards - Telecommunication Service 4814
Preschool Centers 8351
MERCHANT TYPE MCC
Prescription Medication 5912
Pretzel Stands 5499
Printing Services ◆ 2741
Printing Supplies ◆ 5111
Private Golf Courses 7997
Private Investigators 7393
Produce Markets 5499
Producers - Theatrical 7922
Product Testing Laboratories ◆ 8734
Product Warranties 6300
Production Agencies - Theatrical 7922
Professional Organizations—Not Elsewhere Classified 8699
Professional Schools 8220
Professional Services—Not Elsewhere Classified 8999
Professional Sports Clubs 7941
Professional Uniforms ◆ 5137
Promoters - Sporting Events 7941
Propane Dealers 5983
Property Appraisers (Real, Personal) 8999
Property Rental Services 6513
Prosthetic Devices 5976
Protective Services 7393
Psychiatrists 8099
Psychologists 8099
Public Golf Courses 7992
Public Radio, Television 8398
Public Relations Services 7392
MERCHANT TYPE MCC
Public Speakers 8999
Public Swimming Pools 7999
Public Utilities 4900
Public Warehousing and Storage— Farm Products, Refrigerated Goods, 4225

Household Goods, and Storage
Publishing Companies 7399
Publishing Services ◆ 2741
Pubs 5813
Quick Copy, Reproduction, and Blueprinting Services 7338
Quick Service Restaurants 5814
RV, Camper Dealers 5561
Race Tracks - Entrance Fee, Non-Betting Transactions 7941
Racquetball Clubs 7997
Radio, Television, Stereo, Electronics Repair Shops 7622
Radios 5732
Railroads 4011
Railways - Passenger 4112
Razor Stores 5997
Real Estate Agents, Brokers, Managers - Rentals 6513
Real Estate Appraisers 8999
Record Stores 5735
Record, CD, Cassette Stores 5735
Recreation - Video Game Arcades 7994
Recreation Vehicle Dealers, Parts, Accessories 5561
Recreational Services—Not Elsewhere Classified 7999
Recreational Services - Aircraft Rentals 7999
MERCHANT TYPE MCC
Recreational Services - Driving Ranges 7999
Recreational Services - Miniature Golf 7999
Recreational Services - Public Swimming Pools 7999
Recreational Services - Ski Slopes 7999
Recreational Services - Sport, Games Instruction 7999
Recreational Vehicle Rentals 7519
Recreational, Sporting Camps 7032
Refinishing - Furniture Repair, Reupholstery 7641
Refrigeration Repair Shops 7623
Religious Goods Stores 5973
Religious Organizations 8661
Rental Services - Residential and Commercial 6513
Rentals - Aircraft 7999
Rentals - Appliance 7394
Rentals - Boats 4457
Rentals - Car Agencies 7512
Rentals - Clothing - Costumes, Formal Wear, Uniforms 7296
Rentals - Costume 7296
Rentals - Equipment 7394
Rentals - Furniture 7394
Rentals - Jet Skis 4457
Rentals - Motor Homes, Recreational Vehicles 7519
Rentals - Residential and Commercial Properties 6513
Rentals - Tools 7394
Rentals - Truck, Utility Trailer Rentals 7513
Rentals - Tuxedo, Formal Wear 7296
Rentals - Typewriter Stores, Sales, Rentals, Service 5978
MERCHANT TYPE MCC
Rentals - Uniforms 7296
Rentals - Utility Trailer, Truck Rentals 7513
Rentals - Video Tape Stores 7841
Rentals - Yachts, Non Crew 4457
Repair Shops - Automotive/Body 7531
Repair Shops, Related Services - Miscellaneous—Not Elsewhere Classified 7699
Repairs - Air Conditioning, Refrigeration Repair Shops 7623
Repairs - Automobile/Truck Dealers (New/Used) Sales, Service, Repairs, 5511

Parts, Leasing
Repairs - Automotive Body Repair Shops 7531
Repairs - Automotive Service Shops 7538
Repairs - Automotive Tire Stores 5532
Repairs - Computer Maintenance, Repair, Services—Not Elsewhere 7379

Classified ◆
Repairs - Electrical, Small Appliance Repair Shops 7629
Repairs - Hearing Aids, Sales, Service, Supply Stores 5975
Repairs - Office Machines 7629
Repairs - Radio, Television, Stereo, Electronics Repair Shops 7622
Repairs - Reupholstery, Furniture Repair, Furniture Refinishing 7641
Repairs - Shoe Repair Shops 7251
Repairs - Tailors, Seamstresses, Mending, Alterations 5697
Repairs - Tire Retreading, Repair Shops 7534
Repairs - Typewriter Stores, Sales, Rentals, Service 5978
Repairs - Watch, Clock, Jewelry Repair 7631
Repairs - Welding 7692
Reproduction Services 7338
Research Firms 8999
Residential Rentals 6513
MERCHANT TYPE MCC
Resorts 7011
Resorts - Ski 7999
Rest Homes - Eldercare 8050
Restaurant Equipment - Commercial Cooking, Food Service Equipment ◆ 5046
Restaurants 5812
Restaurants - Fast Food 5814
Retail Stores—Not Elsewhere Classified 5999
Reupholstery, Furniture Repair, Furniture Refinishing 7641
Riding Apparel - Sports Apparel 5655
Roller Skating Rinks 7999
Rollerblade Shops 5941
Roofing Materials 5211
Roofing, Siding, and Sheet Metal Work Contractors 1761
Rough Timber Products ◆ 5099
Rug Stores 5713
Safety Equipment ◆ 5047
Sailboat Dealers 5551
Sailboats - Rental, Leases 4457
Sailing Clubs 7997
Salons - Hair, Beauty 7230
Salons - Nail 7230
Saloons 5813
Salvage Yards 5935
Sandwich Shops 5812
Sanitary Utilities 4900
Sanitation Preparations ◆ 2842
MERCHANT TYPE MCC
Satellite Services 4899
Sauna, Hot Tub Shops 7298
Savings and Loans - Financial Institutions - Automated Cash 6011

Disbursements
Savings and Loans - Financial Institutions - Merchandise, Services 6012
School Supply Store 5943
Schools - Art 8299
Schools - Automobile Driving Instruction 8299
Schools - Ballroom Dance Instruction 7911
Schools - Business, Secretarial (Non-Graduate) 8244
Schools - Colleges, Universities, Professional Schools, Junior Colleges 8220
Schools - Cooking 8299
Schools - Computer Training 8244
Schools - Correspondence 8241
Schools - Dance Halls, Studios 7911
Schools - Elementary, Secondary 8211
Schools - Flying Instruction 8299
Schools - Karate 8299
Schools - Kindergartens 8211
Schools - Modeling 8299
Schools - Vocational, Trade Schools 8249
Schools, Educational Services—Not Elsewhere Classified 8299
Scuba, Skin Diving Equipment 5941
Sea Life Parks 7998
Seafood Markets 5422
Seamstresses 5697
Seaquariums 7998
Secondary Schools 8211
MERCHANT TYPE MCC
Secondhand Stores 5931
Secretarial Schools 8244
Secretarial Support Services 7338
Security Brokers, Dealers 6211
Security Services, Protective Services, Detective Agencies 7393
Self Service Terminals - Gasoline 5542
Seminar Planning Services 7399
Service - Bicycles 5940
Service - Hearing Aids, Supplies 5975
Service Stations (with or without Ancillary Services) 5541
Services - Accounting, Auditing, Bookkeeping 8931
Services - Advertising 7311
Services - Air Ambulance 4119
Services - Ambulance 4119
Services - Animal Boarding 7299
Services - Antique Restoration 5932
Services - Architectural, Engineering, Surveying 8911
Services - Armored Car 7393
Services - Banks, Credit Unions, Financial Institutions (Non Cash) 6012
Services - Bookbinding ◆ 2741
Services - Business—Not Elsewhere Classified 7399
Services - Buying/Shopping Services, Clubs 7278
Services - Cable and Other Pay Television 4899
Services - Cablegrams 4821
Services - Carpet, Upholstery Cleaning 7217
Services - Central Reservation, Lodging 7011
Services - Child Care, Day Care 8351
MERCHANT TYPE MCC
Services - Chimney Cleaning 7699
Services - Cleaning, Maintenance, Janitorial Services 7349
Services - Computer Maintenance, Repair—Not Elsewhere Classified ◆ 7379
Services - Computer Programming, Integrated Systems Design, Data 7372

Processing
Services - Counseling - Debt, Marriage, Personal 7277
Services - Courier, Air or Ground 4215
Services - Dating, Escort 7273
Services - Delivery, Local 4214
Services - Demolition 1799
Services - Detective Agencies 7393
Services - Direct Marketing Travel-Related Arrangement Services 5962
Services - Dry Cleaning 7216
Services - Electric Utilities 4900
Services - Electrical, Small Appliance Repairs 7629
Services - Electronics Repair 7622
Services - Emergency Vehicles 4119
Services - Equipment Rental, Leasing 7394
Services - Exterminating, Disinfecting Services 7342
Services - Financial Counseling 7277
Services - Freight Carriers, Trucking and Storage 4214
Services - Freight Forwarders, Courier Services 4215
Services - Fueling ◆ 5172
Services - Furnace Cleaning 7699
Services - Gardening 0780
Services - Gas Utilities 4900
Services - Government—Not Elsewhere Classified 9399
B
MERCHANT TYPE MCC
Services - Guard Dog 7393
Services - Horticultural 0780
Services - Hot Tubs, Spas, Sales, Service, Supplies 5996
Services - Housekeeping 7349
Services - Income Tax Preparation 8931
Services - Information Retrieval ◆ 7375
Services - Insurance, Direct Marketing 5960
Services - Job Training 8299
Services - Landscaping 0780
Services - Laundromats 7211
Services - Laundry, Cleaning, Garment Services 7210
Services - Leasing/Motor Homes, Recreational Vehicles 7519
Services - Leasing/Truck, Utility Trailer Rentals 7513
Services - Legal Services, Attorneys 8111
Services - Management, Consulting, Public Relations 7392
Services - Marine, Marina 4468
Services - Medical Services, Health Practitioners—Not Elsewhere 8099

Classified
Services - Miscellaneous Other Services—Not Elsewhere Classified 7299
Services - Miscellaneous Personal—Not Elsewhere Classified 7299
Services - Miscellaneous Repair Shops—Not Elsewhere Classified 7699
Services - Money Order, Travelers Cheques, Foreign Exchange 6051

(Non-Financial Institutions)
Services - Nursing and Personal Care Facilities 8050
Services - Office Machine Repair 7629
Services - Pay Radio and Satellite Services 4899
Services - Pet Grooming 7299
Services - Plate Making ◆ 2791
MERCHANT TYPE MCC
Services - Professional Services—Not Elsewhere Classified 8999
Services - Property Appraisal 8999
Services - Protective 7393
Services - Publishing, Printing ◆ 2741
Services - Quick Copy, Reproduction 7338
Services - Real Estate Appraisal 8999
Services - Recreation 7999
Services - Repairs/Automotive Tire Stores 5532
Services - Residential and Commerical Property Rentals 6513
Services - Reupholstery, Furniture Repair, Furniture Refinishing 7641
Services - Sanitary Utilities 4900
Services - Schools, Educational Services—Not Elsewhere Classified 8299
Services - Secretarial Support 7339
Services - Security 7393
Services - Stenographic 7339
Services - Swimming Pools, Sales, Service, Supplies 5996
Services - Tailors, Seamstresses, Mending, Alterations 5697
Services - Tax Preparation 7276
Services - Taxicabs, Limousines 4121
Services - Telegraph 4821
Services - Telephone Answering 7399
Services - Television, Radio, Stereo, Electronics 7622
Services - Towing 7549
Services - Trade Show Arrangement 7399
Services - Translation, Language 7399
Services - Transportation—Not Elsewhere Classified 4789
Services - Trucking, Local and Long Distance 4214
MERCHANT TYPE MCC
Services - Typesetting ◆ 2791
Services - Typewriter Stores, Sales, Rentals, Service 5978
Services - Veterinary 0742
Services - Video Tape Rental Stores 7841
Services - Watch, Clock, Jewelry Repairs 7631
Services - Water Filtration, Purification, Softening 7299
Services - Water Utilities 4900
Services - Welding Repair 7692
Services - Word Processing 7339
Sewing Accessories ◆ 5131
Sewing Machine Stores 5722
Sewing Shops - Alterations 5697
Sewing, Needlework, Fabric, Piece Goods Stores 5949
Sheet Metal Work Contractors 1761
Ships - Steamship and Cruise Lines 4411
Shoe Shine Shops, Stands 7251
Shoe Repair Shops, Shoe Shine Parlors, Hat Cleaning Shops 7251
Shoe Stores 5661
Shoes, Shoe Accessories - Commercial ◆ 5139
Shooting Range 7999
Shopping Services 7278
Shuttle Transportation 4789
Siding Contractors 1761
Signs ◆ 5099
Silk Screening 7333
Silversmiths 5944
Silverware Stores 5944
MERCHANT TYPE MCC
Skateboard Shops 5941
Ski Shops 5941
Ski Slopes 7999
Skin Diving, Scuba Equipment 5941
Sky Diving 7999
Smoke Shops 5993
Snowmobile Dealers 5598
Social Associations, Clubs 8641
Social Service Organizations - Charitable, Social Service Organizations 8398
Soda Fountains 5812
Software - Computer 5734
Software - Computer ◆ 5045
Souvenir, Memorabilia Shops 5947
Spas - Health, Beauty 7298
Special Trade Contractors—Not Elsewhere Classified 1799
Specialty Cleaning, Polishing, Sanitation Preparations ◆ 2842
Specialty Food Markets 5499
Specialty Retail Stores - Miscellaneous 5999
Sporting Goods Stores 5941
Sporting, Recreational Camps 7032
Sports and Riding Apparel Stores 5655
Sports Clubs 7997
Sports Instruction 7999
Sports Medicine Clinics 8099
Sports Promoters 7941
Stables - Animal 7299
Stadiums 7941
MERCHANT TYPE MCC
Stamp Collecting 5972
Stamp and Coin Stores 5972
Stamps - Postage 9402
State Fairs 7996
Stationery Stores, Office, School Supply Stores 5943
Stationery, Office Supplies, Printing and Writing Paper ◆ 5111
Steamship and Cruise Lines 4411
Stenographic and Secretarial Support 7339
Stereo Repair Shops 7622
Stereos, Receivers, CD Equipment 5732
Stock Brokers 6211
Stonework Contractors 1740
Storage - Public Warehousing 4225
Storage, Moving Companies - Local, Long Distance 4214
Stored Value Card 6051
Stoves - Fireplaces, Accessories Stores 5718
Studios - Dance 7911
Subscription Merchant - Direct Marketing 5968
Sunglasses Stores 5999
Supermarkets 5411
Supplies - Art, Crafts 5970
Supplies - Automotive Parts, Accessories Stores 5533
Supplies - Beauty Supply Stores 5999
Supplies - Chemicals, Allied Products—Not Elsewhere Classified ◆ 5169
Supplies - Commercial Equipment—Not Elsewhere Classified ◆ 5046
Supplies - Computers, Computer Peripheral Equipment, Software ◆ 5045
Supplies - Construction Materials—Not Elsewhere Classified ◆ 5039
MERCHANT TYPE MCC
Supplies - Dental ◆ 5047
Supplies - Drugs, Drug Proprietaries, Druggist Sundries ◆ 5122
Supplies - Electrical Parts, Equipment ◆ 5065
Supplies - Florist Supplies, Nursery Stock, Flowers ◆ 5193
Supplies - Glass 5231
Supplies - Hardware Stores 5251
Supplies - Hardware, Equipment, Supplies ◆ 5072
Supplies - Hearing Aids, Service, Supplies 5975
Supplies - Heating Equipment, Supplies ◆ 5074
Supplies - Hospital ◆ 5047
Supplies - Hot Tubs, Spas 5996
Supplies - Industrial—Not Elsewhere Classified ◆ 5085
Supplies - Lumber, Building Materials 5211
Supplies - Marinas, Marine Service, Supplies 4468
Supplies - Medical ◆ 5047
Supplies - Millinery ◆ 5131
Supplies - Motor Vehicle Supplies, New Parts ◆ 5013
Supplies - Motorcycle Parts, Accessories 5571
Supplies - Numismatic, Philatelic 5972
Supplies - Nurseries, Lawn, Garden Supply Stores 5261
Supplies - Orthopedic ◆ 5047
Supplies - Paint, Painting Supplies 5231
Supplies - Paints, Varnishes, Supplies ◆ 5198
Supplies - Party 5999
Supplies - Pet Shops, Pet Foods, Supplies Stores 5995
Supplies - Photographic 5946
Supplies - Photographic, Photocopy, Microfilm Equipment, Supplies ◆ 5044
MERCHANT TYPE MCC
Supplies - Plumbing Equipment, Supplies ◆ 5074
Supplies - Sewing, Fabric, Notions, Needlework, Piece Goods 5949
Supplies - Stationery, Office Supplies, Printing, Writing Paper ◆ 5111
Supplies - Swimming Pools 5996
Supplies - Video Amusement Game Supplies 7993
Supplies - Wallpaper, Supplies 5231
Surfboards, Accessories 5941
Surgeons 8011
Surveillance Systems, Services 7393
Surveying Services 8911
Swimming Pools - Public 7999
Swimming Pools - Sales, Service, Supplies 5996
Swim Wear Shop 5699
Synagogues 8661
Systems Design - Computer 7372
T-Shirt Stores 5699
TV Commercial Production ◆ 7829
Tailors, Seamstresses, Mending, and Alterations 5697
Tanning Salons 7298
Tap Rooms 5813
Tattoo, Body Piercing Parlors 7299
Taverns 5813
Tax Payments 9311
Tax Preparation Services 7276
Taxicabs and Limousines 4121
Taxidermists 7299
MERCHANT TYPE MCC
Tea Stores 5499
Technical Institutes 8249
Telecommunication Equipment and Telephone Sales 4812
Telecommunication Services, including Local and Long Distance Calls, 4814

Credit Card Calls, Calls Through Use of Magnetic Stripe Reading
Telephones, and Fax Services
Telegraph Services 4821
Telemarketing Merchant - Inbound Direct Marketing 5967
Telemarketing Merchant - Outbound 5966
Telemarketing Travel-Related Arrangement Services (Excluding Travel 5962

Agencies)
Telephone Answering Services 7399
Telephone Equipment 4812
Television Repair Shops 7622
Television Stores 5732
Temples - Religious Organizations 8661
Temporary Employment Agencies 7361
Tennis Clubs 7997
Tent, Awning Shops 5998
Terminals - Airports 4582
Testing Laboratories (Non-Medical Testing) ◆ 8734
Textbooks 5942
Textiles, Textile Binding ◆ 5131
Theatrical Producers (except Motion Pictures) and Ticket Agencies 7922
Therapists 8099
Thrift Stores 5931
Ticket Agencies (Direct Marketing) 5969
Ticket Agencies 7922
Tie Shops - Men's Clothing 5611
MERCHANT TYPE MCC
Tile Setting Contractors 1740
Tile Stores 5713
Timeshares 7012
Tire Retreading, Repair Shops 7534
Tire Stores 5532
Tobacco Shops 5993
Toiletries 5912
Toll and Bridge Fees 4784
Tombstones - Sales, Installation 5999
Tools 5251
Toupee Stores 5698
Tour Buses 4722
Tour Operators 4722
Tourist Attractions - Aquariums, Seaquariums, Dolphinariums 7998
Tourist Attractions, Exhibits 7991
Tourist Information Bureaus 7399
Towing Services 7549
Toy Stores 5945
Toy, Game Shops 5945
Trade Schools 8249
Trade Show Arrangement Services 7399
Traffic Schools 8299
Trailer (Utility), Truck Rentals 7513
Trailer Parks, Campgrounds 7033
Trailers - Utility 5561
Training, Educational Film Production ◆ 7829
Trains - Freight Transportation 4011
MERCHANT TYPE MCC
Trains - Passenger 4112
Translation Services 7399
Transportation - Ambulance Services 4119
Transportation - Bus Lines 4131
Transportation - Commuter, Local, Suburban Commuter Passenger 4111

Transportation
Transportation - Commuter, Railways 4111
Transportation - Ferries 4111
Transportation - Passenger Railways 4112
Transportation - Railroads, Freight 4011
Transportation - Taxicabs, Limousines 4121
Transportation Services—Not Elsewhere Classified 4789
Travel Agencies, Tour Operators 4722
Travel Clubs (Direct Marketing) 5962
Travel Packages 4722
Travel Wholesalers 4722
Travel-Related Arrangement Services - Direct Marketing 5962
Travelers Cheques (Financial Institutions) Cash 6010
Travelers Cheques - Quasi Cash 6051
Travelers Cheques (Non-Financial Institutions) Cash 6051
Trekking Equipment 5941
Trophy Sales 5999
Truck Dealers (Used Only) 5521
Truck Dealers - New/Used 5511
Truck Stops - Gasoline Service 5541
Truck, Utility Trailer Rentals 7513
Trucking - Local, Long Distance 4214
Tune-Up Shops - Automotive 7538
MERCHANT TYPE MCC
Tuxedo, Formal Wear Rentals 7296
Typesetting, Plate Making, Related Services ◆ 2791
Typewriter Stores - Sales, Rentals, Service 5978
U.S. Federal Government Agencies or Departments 9405
U.S. Postal Services 9402
Undertakers 7261
Uniforms - Men's, Women's, Children's ◆ 5137
Uniforms Rental 7296
Unions - Labor 8699
Universities 8220
Upholstery Cleaning 7217
Upholstery Materials Stores 5714
Used Merchandise and Secondhand Stores 5931
Used Record/CD Stores 5735
Utilities - Electric, Gas, Water, Sanitary 4900
Utility Trailer Rentals 7513
Utility Trailers 5561
VCR Repair Services 7622
VCR's 5732
Vacuum Cleaner Stores 5722
Variety Stores 5331
Varnishes, Paints, Supplies ◆ 5198
Vegetable Markets 5499
Vehicle Supplies, New Parts ◆ 5013
Vending Machines - Food 5999
MERCHANT TYPE MCC
Veterans' Organizations 8641
Veterinary Services 0742
Veterinary Testing Laboratories ◆ 8734
Video Amusement, Game Supplies 7993
Video Cameras (And Other Electronics) 5732
Video Cameras, Photographic Equipment 5946
Video Game Arcades/Establishments 7994
Video Tape, Motion Picture Production, Distribution ◆ 7829
Videotext Merchants 5967
Vineyards 0763
Vintage Clothing Stores 5931
Visa Credential Service (FOR VISA USE ONLY) 9701
Vitamin Stores 5499
Vocational, Trade Schools 8249
Wagers, Betting 7995
Wallpaper Hangers 1799
Wallpaper, Wallcovering Supplies Store 5231
Warehouse Retail - Wholesale Clubs 5300
Warehouse Stores - Home Supply 5200
Warehousing, Storage 4225
Watch Shops 5944
Watch, Clock, Jewelry Repair 7631
Watches ◆ 5094
Water Filtration, Purification, and Softening Treatment Services 7299
Water Utilities 4900
Wedding Cakes 5462
MERCHANT TYPE MCC
Wedding Chapels 7299
Wedding Photographers 7221
Welding Contractors 1799
Welding Services 7692
Well Drilling Contractors 1799
Western Boot Shops 5661
Wheel Alignment, Balancing, Repair Service - Automotive 7538
Wholesale Clubs 5300
Wig, Toupee Stores 5698
Windowcovering Stores 5714
Windsurf Boards, Accessories 5941
Wine Bars 5813
Wine, Liquor Stores 5921
Wineries 7991
Wire Transfer Money Orders 4829
Women's Accessory, Specialty Shops 5631
Women's Clothing 5691
Women's Ready-To-Wear Stores 5621
Women's Uniforms ◆ 5137
Wood Dealers 5983
Woodburning Stoves, Accessories Stores 5718
Word Processing Services 7339
Wrecking, Salvage Yards 5935
X-Ray Equipment ◆ 5047
YMCA/YWCA 7997
MERCHANT TYPE MCC
Yacht Clubs 7997
Yacht Harbors 4468
Yacht Rentals - Non Crew 4457
Yarn Shops 5949
Yogurt Shops 5499
Zoos 7998
Merchant Data Standards, listed in numerical order by Merchant Category CodeB
MCC MERCHANT TYPE
0742 Veterinary Services
0763 Agricultural Cooperative
0780 Landscaping and Horticultural Services
1520 General Contractors - Residential and Commercial
1711 Heating, Plumbing, and Air Conditioning Contractors
1731 Electrical Contractors
1740 Masonry, Stonework, Tile Setting, Plastering and Insulation Contractors
1750 Carpentry Contractors
1761 Roofing, Siding, and Sheet Metal Work Contractors
1771 Concrete Work Contractors
1799 Special Trade Contractors—Not Elsewhere Classified
2741 Miscellaneous Publishing and Printing ◆
2791 Typesetting, Plate Making and Related Services ◆
2842 Specialty Cleaning, Polishing and Sanitation Preparations ◆
4011 Railroads
4111 Local and Suburban Commuter Passenger Transportation, Including

Ferries
4112 Passenger Railways (T&E in U.S. only)
4119 Ambulance Services
4121 Taxicabs and Limousines
4131 Bus Lines
4214 Motor Freight Carriers and Trucking— Local and Long Distance, Moving
and Storage Companies, and Local Delivery
4215 Courier Services—Air and Ground, and Freight Forwarders
4225 Public Warehousing and Storage— Farm Products, Refrigerated Goods,

Household Goods, and Storage
4411 Steamship and Cruise Lines
4457 Boat Rentals and Leasing
MCC MERCHANT TYPE
4468 Marinas, Marine Service, and Supplies
4511 Airlines and Air Carriers—Not Elsewhere Classified
4582 Airports, Flying Fields, and Airport Terminals
4722 Travel Agencies and Tour Operators
4723 Package Tour Operators - For Use in Germany Only
4784 Tolls and Bridge Fees
4789 Transportation Services—Not Elsewhere Classified
4812 Telecommunication Equipment and Telephone Sales
4814 Telecommunication Services, including Local and Long Distance Calls,

Credit Card Calls, Calls Through Use of Magnetic Stripe Reading
Telephones, and Fax Services
4816 Computer Network/Information Services
4821 Telegraph Services
4829 Wire Transfer Money Orders
4899 Cable and Other Pay Television Services
4900 Utilities - Electric, Gas, Water, Sanitary
5013 Motor Vehicle Supplies and New Parts ◆
5021 Office and Commercial Furniture ◆
5039 Construction Materials—Not Elsewhere Classified ◆
5044 Photographic, Photocopy, Microfilm Equipment and Supplies ◆
5045 Computers and Computer Peripheral Equipment and Software ◆
5046 Commercial Equipment—Not Elsewhere Classified ◆
5047 Medical, Dental, Ophthalmic and Hospital Equipment and Supplies ◆
5051 Metal Service Centers and Offices ◆
5065 Electrical Parts and Equipment ◆
5072 Hardware, Equipment and Supplies ◆
5074 Plumbing and Heating Equipment and Supplies ◆
5085 Industrial Supplies—Not Elsewhere Classified ◆
MCC MERCHANT TYPE
5094 Precious Stones and Metals, Watches and Jewelry ◆
5099 Durable Goods—Not Elsewhere Classified ◆
5111 Stationery, Office Supplies, Printing and Writing Paper ◆
5122 Drugs, Drug Proprietaries, and Druggist Sundries ◆
5131 Piece Goods, Notions, and Other Dry Goods ◆
5137 Men's, Women's, and Children's Uniforms and Commercial Clothing ◆
5139 Commercial Footwear ◆
5169 Chemicals and Allied Products—Not Elsewhere Classified ◆
5172 Petroleum and Petroleum Products ◆
5192 Books, Periodicals and Newspapers ◆
5193 Florists Supplies, Nursery Stock and Flowers ◆
5198 Paints, Varnishes and Supplies ◆
5199 Nondurable Goods—Not Elsewhere Classified ◆
5200 Home Supply Warehouse Stores
5211 Lumber and Building Materials Stores
5231 Glass, Paint, and Wallpaper Stores
5251 Hardware Stores
5261 Nurseries and Lawn and Garden Supply Stores
5271 Mobile Home Dealers
5300 Wholesale Clubs
5309 Duty Free Stores
5310 Discount Stores
5311 Department Stores
5331 Variety Stores
5399 Miscellaneous General Merchandise
5411 Grocery Stores and Supermarkets
5422 Freezer and Locker Meat Provisioners
MCC MERCHANT TYPE
5441 Candy, Nut, and Confectionery Stores
5451 Dairy Products Stores
5462 Bakeries
5499 Miscellaneous Food Stores—Convenience Stores and Specialty, Markets
5511 Car and Truck Dealers (New and Used) Sales, Service, Repairs, Parts, and
Leasing
5521 Car and Truck Dealers (Used Only) Sales, Service, Repairs, Parts, and
Leasing
5532 Automotive Tire Stores
5533 Automotive Parts and Accessories Stores
5541 Service Stations (with or without Ancillary Services)
5542 Automated Fuel Dispensers
5551 Boat Dealers
5561 Camper, Recreational and Utility Trailer Dealers
5571 Motorcycle Shops and Dealers
5592 Motor Home Dealers
5598 Snowmobile Dealers
5599 Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers—Not

5611 Men's and Boys' Clothing and Accessories Stores
5621 Women's Ready-To-Wear Stores
5631 Women's Accessory and Specialty Shops
5641 Children's and Infants' Wear Stores
5651 Family Clothing Stores
5655 Sports and Riding Apparel Stores
5661 Shoe Stores
5681 Furriers and Fur Shops
5691 Men's and Women's Clothing Stores
5697 Tailors, Seamstresses, Mending, and Alterations
MCC MERCHANT TYPE
5698 Wig and Toupee Stores
5699 Miscellaneous Apparel and Accessory Shops
5712 Furniture, Home Furnishings and Equipment Stores, Except Appliances
5713 Floor Covering Stores
5714 Drapery, Window Covering, and Upholstery Stores
5718 Fireplace, Fireplace Screens and Accessories Stores
5719 Miscellaneous Home Furnishing Specialty Stores
5722 Household Appliance Stores
5732 Electronics Stores
5733 Music Stores—Musical Instruments, Pianos and Sheet Music
5734 Computer Software Stores
5735 Record Stores
5811 Caterers
5812 Eating Places and Restaurants
5813 Drinking Places (Alcoholic Beverages)—Bars, Taverns, Nightclubs, Cocktail

Lounges, and Discotheques
5814 Fast Food Restaurants
5912 Drug Stores and Pharmacies
5921 Package Stores—Beer, Wine, and Liquor
5931 Used Merchandise and Secondhand Stores
5932 Antique Shops—Sales, Repairs, and Restoration Services
5933 Pawn Shops
5935 Wrecking and Salvage Yards
5937 Antique Reproductions
5940 Bicycle Shops - Sales and Service
5941 Sporting Goods Stores
5942 Book Stores
5943 Stationery Stores, Office and School Supply Stores
MCC MERCHANT TYPE
5944 Jewelry Stores, Watches, Clocks, and Silverware Stores
5945 Hobby, Toy and Game Shops
5946 Camera and Photographic Supply Stores
5947 Gift, Card, Novelty and Souvenir Shops
5948 Luggage and Leather Goods Stores
5949 Sewing, Needlework, Fabric and Piece Goods Stores
5950 Glassware/Crystal Stores
5960 Direct Marketing - Insurance Services
5962 Direct Marketing - Travel-Related Arrangement Services
5963 Door-to-Door Sales
5964 Direct Marketing - Catalog Merchant
5965 Direct Marketing - Combination Catalog and Retail Merchant
5966 Direct Marketing - Outbound Telemarketing Merchant
5968 Direct Marketing - Continuity/Subscription Merchant
5969 Direct Marketing - Other Direct Marketers—Not Elsewhere Classified
5970 Artist's Supply and Craft Shops
5971 Art Dealers and Galleries
5972 Stamp and Coin Stores
5973 Religious Goods Stores
5975 Hearing Aids—Sales, Service, and Supplies
5976 Orthopedic Goods - Prosthetic Devices
5977 Cosmetic Stores
5978 Typewriter Stores - Sales, Rentals, Service
5983 Fuel Dealers—Fuel Oil, Wood, Coal, and Liquefied Petroleum
5992 Florists
5993 Cigar Stores and Stands
5994 News Dealers and Newsstands
MCC MERCHANT TYPE
5995 Pet Shops, Pet Foods and Supplies Stores
5996 Swimming Pools - Sales and Service
5997 Electric Razor Stores - Sales and Service
5998 Tent and Awning Shops
5999 Miscellaneous and Specialty Retail Stores
6010 Financial Institutions - Manual Cash Disbursements
6011 Financial Institutions - Automated Cash Disbursements
6012 Financial Institutions - Merchandise and Services
6051 Non-Financial Institutions—Foreign Currency, Money Orders (not Wire

Transfer), Travelers’ Cheques
6211 Security Brokers/Dealers
6300 Insurance Sales, Underwriting, and Premiums
6513 Real Estate Agents, Brokers, Managers - Rentals
7011 Lodging - Hotels, Motels, and Resorts, Central Reservation Services—Not

7012 Timeshares
7032 Sporting and Recreational Camps
7033 Trailer Parks and Campgrounds
7210 Laundry, Cleaning, and Garment Services
7211 Laundries - Family and Commercial
7216 Dry Cleaners
7217 Carpet and Upholstery Cleaning
7221 Photographic Studios
7230 Beauty and Barber Shops
7251 Shoe Repair Shops, Shoe Shine Parlors, and Hat Cleaning Shops
7261 Funeral Service and Crematories
7273 Dating and Escort Services
7276 Tax Preparation Services
MCC MERCHANT TYPE
7277 Counseling Services—Debt, Marriage, and Personal
7278 Buying and Shopping Services and Clubs
7296 Clothing Rental - Costumes, Uniforms, Formal Wear
7297 Massage Parlors
7298 Health and Beauty Spas
7299 Miscellaneous Personal Services—Not Elsewhere Classified
7311 Advertising Services
7321 Consumer Credit Reporting Agencies
7333 Commercial Photography, Art, and Graphics
7338 Quick Copy, Reproduction, and Blueprinting Services
7339 Stenographic and Secretarial Support
7342 Exterminating and Disinfecting Services
7349 Cleaning, Maintenance, and Janitorial Services
7361 Employment Agencies and Temporary Help Services
7372 Computer Programming, Data Processing, and Integrated Systems Design

Services
7375 Information Retrieval Services ◆
7379 Computer Maintenance, Repair and Services—Not Elsewhere Classified ◆
7392 Management, Consulting, and Public Relations Services
7393 Detective Agencies, Protective Agencies, and Security Services, Including

Armored Cars and Guard Dogs
7394 Equipment, Tool, Furniture, and Appliance Rental and Leasing
7395 Photofinishing Laboratories and Photo Developing
7399 Business Services—Not Elsewhere Classified
7512 Automobile Rental Agency
7513 Truck and Utility Trailer Rentals
7519 Motor Home and Recreational Vehicle Rentals
7523 Parking Lots, Parking Meters and Garages
MCC MERCHANT TYPE
7531 Automotive Body Repair Shops
7534 Tire Retreading and Repair Shops
7535 Automotive Paint Shops
7538 Automotive Service Shops (Non-Dealer)
7542 Car Washes
7549 Towing Services
7622 Electronic Repair Shops
7623 Air Conditioning and Refrigeration Repair Shops
7629 Electrical and Small Appliance Repair Shops
7631 Watch, Clock and Jewelry Repair
7641 Furniture-Reupholstery, Repair, Refinishing
7692 Welding Services
7699 Miscellaneous Repair Shops and Related Services
7829 Motion Picture and Video Tape Production and Distribution ◆
7832 Motion Picture Theaters
7841 DVD/Video Tape Rental Stores
7911 Dance Halls, Studios and Schools
7922 Theatrical Producers (except Motion Pictures) and Ticket Agencies
7929 Bands, Orchestras, and Miscellaneous Entertainers—Not Elsewhere

Classified
7932 Billiard and Pool Establishments
7933 Bowling Alleys
7941 Commercial Sports, Professional Sports Clubs, Athletic Fields, and Sports
Promoters
7991 Tourist Attractions and Exhibits
7992 Public Golf Courses
7993 Video Amusement Game Supplies
7994 Video Game Arcades/Establishments
MCC MERCHANT TYPE
7995 Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting,
and Wagers at Race Tracks
7996 Amusement Parks, Circuses, Carnivals, and Fortune Tellers
7997 Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and

Private Golf Courses
7998 Aquariums, Seaquariums, Dolphinariums
7999 Recreation Services—Not Elsewhere Classified
8011 Doctors and Physicians—Not Elsewhere Classified
8021 Dentists and Orthodontists
8031 Osteopaths
8041 Chiropractors
8042 Optometrists and Ophthalmologists
8043 Opticians, Optical Goods and Eyeglasses
8049 Podiatrists and Chiropodists
8050 Nursing and Personal Care Facilities
8062 Hospitals
8071 Medical and Dental Laboratories
8099 Medical Services and Health Practitioners—Not Elsewhere Classified
8111 Legal Services and Attorneys
8211 Elementary and Secondary Schools
8220 Colleges, Universities, Professional Schools, and Junior Colleges
8241 Correspondence Schools
8244 Business and Secretarial Schools
8249 Vocational and Trade Schools
8299 Schools and Educational Services—Not Elsewhere Classified
8351 Child Care Services
8398 Charitable and Social Service Organizations
8641 Civic, Social, and Fraternal Associations
MCC MERCHANT TYPE
8651 Political Organizations
8661 Religious Organizations
8675 Automobile Associations
8699 Membership Organizations—Not Elsewhere Classified
8734 Testing Laboratories (Non-Medical Testing) ◆
8911 Architectural, Engineering, and Surveying Services
8931 Accounting, Auditing, and Bookkeeping Services
8999 Professional Services—Not Elsewhere Classified
9211 Court Costs, Including Alimony and Child Support
9222 Fines
9223 Bail and Bond Payments
9311 Tax Payments
9399 Government Services—Not Elsewhere Classified
9402 Postal Services - Government Only
9405 U.S. Federal Government Agencies or Departments
9700 Automated Referral Service (FOR VISA USE ONLY)
9701 Visa Credential Service (FOR VISA USE ONLY)
9702 GCCS Emergency Services
9950 Intra-Company Purchases
D Defined Terms
Numerics
3-D Secure—A Visa-approved Authentication Method that is the global authentication standard for
International Transactions.
3-D Secure Electronic Commerce Transaction Specification—A software protocol that

enables secure processing of Transactions over the Internet and other networks.
A
Account Funding Transaction—A Transaction that transfers funds from a Visa account to
another account such as:
• Brokerage accounts
• Prepaid Cards
• Other accounts used for online purchasing
Account Number—An Issuer-assigned number that identifies an account in order to post a

Transaction.
Account Number Verification—A process by which a Member or its VisaNet Processor

determines if there is negative information on an Account Number in the Exception File for
Transactions that do not require Authorization.
Acquirer—A Member that signs a Merchant or disburses currency to a Cardholder in a Cash

Disbursement, and directly or indirectly enters the resulting Transaction Receipt into
Interchange.
Acquirer Activity File—A file that an Acquirer maintains of approved and declined Authorization
Requests from other Members’ Cardholders.
Acquirer Chip Rate—An Interregional Interchange Reimbursement Fee paid for any Transaction
that meets the Electronic Rate requirements and is initiated by a Magnetic-Stripe only Card at
a Chip-Reading Device.
Acquirer Device Validation Toolkit (ADVT)—A set of cards or simulated cards and test scenarios
used to validate new or upgraded EMV Chip-Reading Devices.
Acquirer Reference Number—A 23-digit identification number included in a BASE II Clearing

Record, as specified in the BASE II Clearing Manuals. See Tracing Data.
Activity File Parameter—A maximum limit that an Issuer establishes on the number and value of
Transactions that Visa may authorize on its behalf. (See the VisaNet manuals.)
Adjustment—A Single Message System message used to partially or fully negate or cancel a
transaction that has been sent through Interchange in error.
Advance Deposit Service—A service that a Hotel or Cruise Line provides to a Visa Cardholder,
allowing use of a Visa Card to pay an advance deposit required by the Merchant to reserve
accommodations.
Appendix D — Defined Terms
Advance Deposit Transaction ATM Mark
Advance Deposit Transaction—A Transaction that a Hotel or Cruise Line completes, resulting
from a Visa Cardholder’s agreement to use a Visa Card for payment of an advance deposit to
reserve accommodations.
Advanced Authorization—Effective 18 July 2008, an enhancement to the VisaNet Authorization

message that transmits real-time risk management data to issuers, as specified in the Visa
Advanced Authorization Integration Guide.
Aggregated Transaction—A Transaction completed by an Electronic Commerce Merchant that

combines multiple purchases made by the same Cardholder on the same Visa Account
Number into a single Transaction as specified in Section 5.4.G, before submitting it for payment
processing.
Aggregated Transaction Receipt—A Transaction Receipt provided to the Cardholder by an

Electronic Commerce Merchant, when Transaction aggregation is performed.
Airline—Either:
• A passenger airline Merchant
• Its authorized agent that sells airline tickets on behalf of the airline
Airline Authorizing Processor—A Visa-approved non-Member whose primary function is to

provide reservation and Authorization services for Airline Transactions, or travel-related
services that include an Airline ticket.
Airline Inquiry Service—A special Authorization service that Visa provides to Airlines.
Alternate Card Design—See Sample Card Design.
Approval Response—An Authorization Response where the Transaction was approved.
Approved Manufacturer—A card manufacturer that Visa certifies or approves to produce one or
more Card products on behalf of an Issuer.
Arbitration—A process where Visa determines financial liability between Members for Interchange
Transactions that are presented and charged back.
Arbitration Committee—A Visa committee that resolves certain disputes between Members that
arise from Chargebacks.
Associate—A Member as defined in the Visa International By-Laws, Section 2.05.
ATM—An Unattended Acceptance Terminal that has Electronic Capability, accepts PINs, and
disburses currency or Cheques.
ATM Acquirer—An Acquirer that provides ATM services.
ATM Cash Disbursement—A Cash Disbursement obtained at an ATM displaying the Visa, Plus,
or Visa Electron Acceptance Mark, for which the Cardholder’s PIN is accepted.
ATM Mark—A Mark that denotes ATM acceptance.
ATM Quality Service Standards Authorization Request
ATM Quality Service Standards—A set of international service levels established by Visa to
measure Member performance as part of the international service quality program.
Attempt Response—A message from a 3-D Secure Issuer in response to an Authentication

Request from a 3-D Secure Merchant, indicating that the Cardholder is not participating in 3-D
Secure.
Authentication—A cryptographic process that validates the identity and integrity of Chip data.
Authentication Confirmation—A message from a 3-D Secure Issuer in response to an

Authentication Request from a 3-D Secure Merchant, confirming Cardholder authentication.
Authentication Denial—A message from a 3-D Secure Issuer in response to an Authentication

Request from a 3-D Secure Merchant, denying Cardholder authentication.
Authentication Identifier—A unique value for each authentication Transaction, as specified in the
3-D Secure Member implementation guides.
Authentication Mechanism—A Visa-approved method that validates participant identity in an

Electronic Commerce Transaction. Authentication Mechanisms include, but are not limited to:
• Password
• Digital Certificate
Authentication Method—A Visa-approved protocol, such as 3-D Secure, that meets the minimum
standards for authenticating the Cardholder in an Electronic Commerce Transaction.
Authentication Record—A record of 3-D Secure authentication status from a 3-D Secure Issuer
in response to an Authentication Request from a 3-D Secure Merchant.
Authentication Request—A request for Cardholder authentication from a 3-D Secure Merchant.
Authorization—A process, as specified in the Visa International Operating Regulations, where an

Issuer, a VisaNet Processor, or Stand-In Processing approves a Transaction. This includes:
• Domestic Authorization
• International Authorization
• Offline Authorization
Authorization Code—A code that an Issuer, its VisaNet Processor, or Stand-In Processing
provides to indicate approval of a Transaction. The code is returned in the Authorization
Response message and is usually recorded on the Transaction Receipt as proof of
Authorization.
Authorization-Only Capability—Point-of-Transaction capability where both the:

• Standard Floor Limit applies
• Authorization Response, when required, is obtained Online
Authorization Request—A Merchant’s or Acquirer’s request for an Authorization.
Authorization Response Card
Authorization Response—An Issuer’s reply to an Authorization Request. The Visa International

Operating Regulations refers to the following types of Authorization Response:
• Approval Response
• Decline Response
• Pickup Response
• Referral Response
Automated Dispensing Machine—See Unattended Acceptance Terminal and

Cardholder-Activated Transaction Type C.
Automated Fuel Dispenser—An Unattended Acceptance Terminal that dispenses only fuel. See
also Cardholder-Activated Transaction Type B and Cardholder-Activated Transaction Type C.
B
Balance Inquiry—A Cardholder request for his account balance that is initiated at an ATM and
processed as a separate, non-financial transaction.
Balance Inquiry Service—An ATM service that allows a Cardholder to check his account balance
through VisaNet.
BASE II—The VisaNet system that provides deferred Clearing and Settlement services to
Members.
Basic Currency Conversion Rate—A rate selected by Visa from the range of rates available in
wholesale currency markets for the applicable Processing Date, which rate may vary from the
rate Visa itself receives; or the government-mandated rate in effect for the applicable
Processing Date.
Billing Currency—The currency in which an Issuer bills a Cardholder for Transactions. If the Billing
Currency is the euro or one of its national currency units, either may be used for Chargeback
or statementing purposes.
BIN—A 6-digit number assigned by Visa and used to identify a Member or VisaNet Processor for
Authorization, Clearing, or Settlement processing.
Branch—The office of a Member where Manual Cash Disbursements must be made and Cards
may also be issued.
Buy-a-Card Transaction—The purchase of a Visa Cash Card using a payment card or cash.
C
Car Rental Company—A Merchant whose primary business is the rental of passenger vehicles at
either a corporate or franchise location, or at locations of licensees bearing the name of the
corporate entity.
Card—A valid Visa Card, Visa Electron Card, or Proprietary Card bearing the Plus Symbol.
Card-Absent Environment Card Reproduction
Card-Absent Environment—An environment where a Transaction is completed under both of the

following conditions:
• Cardholder is not present
• Card is not present
Transactions in this environment include the following:
• Electronic Commerce Transactions
• Mail/Phone Order Transactions
• Recurring Transactions
• Telephone Service Transactions
Transactions in this environment exclude Face-to-Face Transactions.
Card-Present Environment—An environment that comprises the conditions of either the

Face-to-Face or Unattended Environments.
Card Dispensing Machine—A device that dispenses Visa Cash Cards when the purchaser makes
appropriate payment. A Card Dispensing Machine may accept cash or payment cards as
payment for Visa Cash Cards.
Card Distribution Point—A location, other than a Branch, where a Visa or Visa Electron Card may
be issued. Cards issued at a Card Distribution Point must comply with all Visa security
requirements for Card embossing, printing, encoding, storing, shipping, and distribution.
Examples include, but are not limited to, the following:
• Travel agencies
• Corporate entities
Card Recovery Bulletin—A directory of blocked Account Numbers listed on the International
Exception File, intended for distribution to Merchants. The Card Recovery Bulletin may take
one of the following forms:
• National Card Recovery Bulletin
• National Card Recovery File
• Regional Card Recovery File
Card Recovery Bulletin Listing—A single Account Number that an Issuer requests to be included
in a specified Card Recovery Bulletin Region.
Card Recovery Bulletin Region—A geographical area comprising countries (or states in the
jurisdiction of Visa U.S.A.) where a given set of Card Recovery Bulletin Listings is effective for
a specified period.
Card Recovery Bulletin Service—A service where an Issuer notifies Acquirers of blocked
Account Numbers. The service comprises distribution of both:
• A printed Card Recovery Bulletin
• The Regional Card Recovery File
Card Reproduction—The reproduction of a Card.
Card Verification Service Cardholder-Activated Transaction Type A
Card Verification Service—A VisaNet service where Visa validates the Card Verification Value in
an Authorization Request on behalf of an Issuer.
Card Verification Value—A unique check value encoded on the Magnetic Stripe of a Card to
validate Card information during the Authorization process. The Card Verification Value is
calculated from the data encoded on the Magnetic Stripe using a secure cryptographic
process.
Card Verification Value 2—A unique check value generated using a secure cryptographic
process, as specified in the VisaNet manuals.
Cardholder—An individual who is issued and authorized to use a:

• Card
• Virtual Account
Cardholder Access Device—A terminal, personal computer, or other device that a Cardholder
uses to initiate an Electronic Commerce Transaction.
Cardholder Authentication Verification Value—A unique value transmitted by an Issuer in

response to an Authentication Request from a 3-D Secure Merchant.
Cardholder Certificate—An electronic document that authenticates a Cardholder in a Secure

Electronic Commerce Transaction.
Cardholder Inquiry Service—A service that assists a Cardholder in reaching its Issuer when
calling the Visa International Service Center for account information.
Cardholder-Activated Terminal—See Unattended Acceptance Terminal.
Cardholder-Activated Transaction—A Transaction that is initiated by a Cardholder at an

Unattended Acceptance Terminal. See Cardholder-Activated Transaction Type A,
Cardholder-Activated Transaction Type B, and Cardholder-Activated Transaction Type C.
Cardholder-Activated Transaction Type A—A Transaction that takes place at an Unattended

Acceptance Terminal and has all of the following characteristics:
• Is less than US $40, or local currency equivalent
• Is not authorized
• Has no Cardholder Verification performed
Examples of a Cardholder-Activated Transaction Type A are:
• Parking garage fee
• Road toll
• Motion picture theater admission
• Magnetic-Stripe Telephone call
Cardholder-Activated Transaction Type B Cash Disbursement Transaction Receipt
Cardholder-Activated Transaction Type B—A Transaction that takes place at an Unattended

Acceptance Terminal and has all of the following characteristics:
• Is limited to US $1001, or local currency equivalent
• Effective 4 October 2008, for a Real-Time Clearing Transaction is US $500 or less, or
local currency equivalent
• Is authorized
• Has no Cardholder Verification performed
Examples of a Cardholder-Activated Transaction Type B are:
• Fuel purchase without a PIN
• Prepaid Card purchase
• Video rental
Cardholder-Activated Transaction Type C—A Transaction that takes place at an Unattended

Acceptance Terminal and has both of the following characteristics:
• Is authorized
• Has PIN Verification performed
An example of a Cardholder-Activated Transaction Type C is a fuel purchase with a PIN.
Cardholder Verification—The process of validating a Cardholder’s identity through verification of

the Cardholder’s signature or PIN and other methods as required in the Visa International
Operating Regulations (e.g., Cardholder identification for Manual Cash Disbursements).
Cardholder Verification Method—Instructions encoded within a Chip that define how the
authenticity of a Cardholder’s identity is to be verified.
Cardholder Verification Method List—An Issuer-defined list contained within a Chip establishing
the hierarchy of preferences for verifying a Cardholder’s identity.
Cash-Back—Cash obtained from a Visa or Visa Electron Merchant through use of a Visa or Visa
Electron Card, in conjunction with, and processed as, a Retail Transaction.
Cash Disbursement—Currency, including travelers cheques, paid out to a Cardholder using a

Card.
Cash Disbursement Fee—A fee paid by an Issuer to an Acquirer for performing a Cash
Disbursement.
Cash Disbursement Merchant—A Hotel or Cruise Line that has a Merchant Agreement to make
Cash Disbursements to a Visa Cardholder, as specified in Chapter 5, "Payment Acceptance."
Cash Disbursement Transaction Receipt—A Transaction Receipt evidencing a Manual Cash

Disbursement. (See 80-Column Cash Disbursement Transaction Receipt (Exhibit 7A) and
51-Column Cash Disbursement Transaction Receipt—T&E (Exhibit 7B).
1
Effective 18 July 2008, a variance to this requirement applies in the jurisdiction of the U.S.A. Region for Automated
Fuel Dispenser Transactions.
CEMEA Chip-initiated Transaction
CEMEA—Central and Eastern Europe, Middle East, and Africa.
Center—A Member or VisaNet Processor facility where Authorization, Clearing, Settlement, and
other related activities take place.
Central Bank—A government agency responsible for the supervision and operation of banking
activities for the national government. Central Bank activities generally include maintaining
reserve accounts required of depository institutions, regulating money supply, transferring
funds, and acting as fiscal agent for the government.
Certification Authority—An entity that issues and manages Digital Certificates for use with Visa
products and services in accordance with Visa-specified requirements. Entities eligible to be
Certification Authorities within the Visa Certification Authority hierarchy include:
• Visa
• Visa Regions
• Visa Members
Certified Manufacturer—See Approved Manufacturer.
Chargeback—A transaction that an Issuer returns to an Acquirer.
Chargeback Advice—A VisaNet message sent in response to a Chargeback that does all of the
following:
• Notifies the Issuer that a Chargeback has passed certain validations and has been
forwarded to the Acquirer
• Notifies the Issuer of the Acquirer’s VisaNet Documentation Automation Service
participation status
• Notifies the Acquirer of the Issuer’s VisaNet Documentation Automation Service
participation status and whether documentation will be sent through the VisaNet
Documentation Automation Service
Chargeback Period—The number of calendar days from the Endorsement Date of a Transaction
Receipt (or Processing Date, as applicable), during which time the Issuer may exercise a
Chargeback right.
Chargeback Reduction Service—A VisaNet service that screens Presentments and

Chargebacks and returns certain invalid items to the Acquirer or Issuer, as appropriate.
Cheque—A travelers cheque that a Member issues and that bears the Visa-Owned Marks.
Chip—An electronic component designed to perform processing or memory functions.
Chip Card—A Card embedded with a Chip that communicates information to a

Point-of-Transaction Terminal.
Chip-initiated Transaction—An EMV and VIS-Compliant Chip Card Transaction which is

processed at a Chip-Reading Device using Full-Chip Data, and limited to Visa and Visa
Electron Smart Payment Applications, or EMV and VIS-Compliant Plus applications.
Chip-Reading Device Correspondent Bank
Chip-Reading Device—A Point-of-Transaction Terminal capable of reading, communicating, and

processing Transaction data from a Chip Card.
Classic Wordmark—A Mark comprising the word “Classic” when used in connection with the Visa
Program. One of the Visa-Owned Marks.
Clearing—All of the functions necessary to collect a Clearing Record from an Acquirer in the
Transaction Currency and deliver it to the Issuer in the Billing Currency, or to reverse this
transaction, or to process a Fee Collection Transaction.
Clearing Record—A record of a Presentment, Chargeback, Representment, Reversal, or

Adjustment in the format necessary to clear the Transaction.
Collision/Loss Damage Waiver—A Visa Card feature that provides collision or loss damage
insurance on Car Rental Transactions to Visa Cardholders.
Comet Design—A Mark consisting of a curved graphic element. One of the Visa-Owned Marks.
Common Core Definitions—A set of common data definitions and processes between the EMV
Chip Card and the Issuer host interface.
Completion Message—Effective 4 October 2008, a Clearing Record to clear a Real-Time

Clearing Transaction.
Compliance—A process where Visa resolves disputes between Members arising from violations
of the Visa International Operating Regulations, when the requesting Member can certify that
a financial loss has occurred or will occur for a specific amount, and no Chargeback right is
available.
Compliance Committee—A Visa committee that resolves certain disputes between Members that
arise from violations of the Visa International Operating Regulations.
Copy Request—A request for a Transaction Receipt that is processed through the VisaNet Copy
Request and Fulfillment Service.
Copy Request Identifier—A unique 12-digit identification number that VisaNet assigns to a Copy
Request. In the Single Message System, the Retrieval Request identifier.
Copy Request Manager—A microcomputer-based workstation that Visa maintains so that

Members can transmit and fulfill Copy Requests through the VisaNet Copy Request and
Fulfillment Service.
Copyright—A form of protection that the laws of various countries provide for original literary,
dramatic, musical, artistic, and certain other intellectual works.
Correspondent Bank—A depository institution that holds an account with, or on behalf of, a
Settlement Bank, and engages in an exchange of services with that bank.
Counterfeit Card Decline Response
Counterfeit Card—One of the following:

• A device or instrument that is printed, embossed, or encoded so as to purport to be a Card,
but that is not a Card because an Issuer did not authorize its printing, embossing, or
encoding
• An instrument that is printed with the authority of the Issuer and that is subsequently
embossed or encoded without the authority of the Issuer
• A Card that an Issuer has issued and that is altered or re-fabricated, except one on which
the only alteration or re-fabrication comprises modification of the signature panel or
Cardholder signature
Counterfeit Transaction Receipt—A Transaction Receipt arising from the use of a Counterfeit
Card.
Country of Domicile—The country in which a Member has its principal place of business.
Country Office—A secondary office location of a Visa Region, located in a country within the same
Visa Region.
Credit Transaction Receipt—A Transaction Receipt evidencing a Merchant’s refund or price

adjustment to be credited to a Cardholder’s account.
Cruise Line—A Merchant that sells and provides recreational travel on water, including overnight
accommodations.
Cryptogram—A value resulting from a combination of specific key data elements that are used to
validate the source and integrity of data.
Currency Conversion Rate—A rate selected by Visa from the range of rates available in
wholesale currency markets for the applicable Processing Date, which rate may vary from the
rate Visa itself receives; or the government-mandated rate in effect for the applicable
Processing Date. In each instance, plus or minus any adjustment determined by the Issuer.
Custom Payment Service—A Visa payment service that accommodates specific payment
environments with an identifier that remains with the Transaction throughout its life cycle.
D
Data Capture-Only Capability—Point-of-Transaction Capability where the Transaction Receipt
data are electronically captured for Deposit purposes, but the terminal does not have the
capability to go Online.
Data Compromise Recovery—A Visa fraud recovery process where Visa allocates to affected
Members the incremental full Magnetic Stripe counterfeit fraud losses that are associated with
a data compromise event, as specified in Section 1.6.E.
Data Protection Method—A Visa-approved method for the protection of Account Numbers and
other Cardholder data, as specified in the Payment Card Industry Data Security Standard.
Decline Response—An Authorization Response where the Transaction was declined.
Deferred Clearing Processing Domestic Transaction Receipt
Deferred Clearing Processing—A 2-step process whereby Transactions are authorized, cleared,
and settled through either the:
• Single Message System
• V.I.P. System and BASE II
Deferred Clearing Transaction—A Transaction that is authorized, cleared, and settled in 2

separate messages through either the:
• Single Message System
• V.I.P. System and BASE II
Delayed Delivery Transaction—A single Transaction where a Cardholder completes 2 separate

Transaction Receipts. The first Transaction Receipt functions as a deposit (such as a down
payment) for goods or services; the second is to pay the balance due the Merchant.
Deposit—The submission of a Transaction Receipt by a Merchant or an Internet Payment Service

Provider to an Acquirer, resulting in a credit or debit to the Merchant’s or Internet Payment
Service Provider’s Visa account.
Deposit Date—The date on which an Acquirer receives a Transaction Receipt from a Merchant.
Deposit-Only Account Number—A Visa Account Number established by a Visa Card or Visa
Electron Card Issuer, used exclusively to receive an Original Credit on behalf of one or more
of its customers.
Diamond Design—A Mark, used as an element of the Plus Symbol, consisting of 3 triangles with
an open space in the lower right-hand corner, arranged to form an outline of the symbol “+.”
One of the Visa-Owned Marks.
Digital Certificate—A digitally signed credential used to authenticate the owner of the credential
or to ensure the integrity and confidentiality of the message it is signing.
Direct Arbitration—A process whereby Visa assigns financial liability for a Transaction when
either the:
• Chargeback Reduction Service rejects a Presentment because it cannot verify
Authorization
• Acquirer claims that the rejected Transaction was authorized
Direct Compliance—A process where Visa primarily enforces the VisaNet Copy Request and
Fulfillment Service rules for Issuers and Acquirers.
Disbursing Member—A Member that pays out currency in a Cash Disbursement.
Domestic Authorization—The Authorization of a Domestic Transaction.
Domestic Interchange—Interchange of a Domestic Transaction.
Domestic Transaction—A Transaction where the Issuer of the Card used is located in the
Transaction Country.
Domestic Transaction Receipt—A Transaction Receipt evidencing a Domestic Transaction.
Dove Design Electronic Rate
Dove Design—A Mark depicting a dove in flight that identifies the Visa Program or the Visa
Travelers Cheque Program. One of the Visa-Owned Marks.
Dynamic Currency Conversion—The conversion of the purchase price of goods or services from
one currency to another, as agreed to by the Cardholder and Merchant. That currency
becomes the Transaction Currency, regardless of the Merchant’s local currency.
Dynamic Data Authentication—A cryptographic value generated by a Card in an offline

environment that uses Transaction-specific data elements and is verified by a Chip-Reading
Device to protect against skimming.
E
Edit Package—The software that Visa supplies to VisaNet Processors to:
• Validate Interchange data destined for BASE II
• Process Interchange data sent from the VisaNet Processor to Visa
• Process incoming Transactions received from Visa
Electronic Capability—Point-of-Transaction Capability where all of the following are true:

• Zero Floor Limit applies (or the terminal is capable of reading and acting upon the Service
Code in the Magnetic Stripe or information provided in the Chip)
• Authorization Response is obtained Online, or as instructed by the Issuer
• Authorization Response and Transaction Receipt data are captured electronically
Electronic Cash Withdrawal—A financial Transaction used to fund a Load Transaction or the
purchase of a Visa Cash Card at a Cardholder Dispensing Machine.
Electronic Commerce Merchant—A Merchant that conducts the sale of goods or services
electronically over the Internet and other networks.
Electronic Commerce Merchant Rate—An Interregional Interchange Reimbursement Fee paid

for an Electronic Commerce Transaction that is conducted by a 3-D Secure-capable Merchant.
Electronic Commerce Transaction—A Transaction between a Merchant and Cardholder over

the Internet and other networks using a Cardholder Access Device. An Electronic Commerce
Transaction is one of the following:
• Non-Secure Transaction
• Non-Authenticated Security Transaction
• Secure Electronic Commerce Transaction
Electronic Commerce Transaction Receipt—A Transaction Receipt provided to the Cardholder

by an Electronic Commerce Merchant.
Electronic Imprint—The reading and printing or capture of Card information at a Magnetic-Stripe

Terminal or a Chip-Reading Device.
Electronic Rate—An Interchange Reimbursement Fee charged when the Clearing requirements
specified in Chapter 8, "Fees," are met.
Electronic Transaction Receipt EMV PIN Transaction
Electronic Transaction Receipt—A Transaction Receipt created electronically in a Card-Present

Environment where the terminal generates the required data that are printed on the
Eligible Cardholder—A Cardholder eligible to receive Emergency Card Replacement and

Emergency Cash Services. To be eligible for these emergency services, the Cardholder must
be traveling away from home, have reported the loss or theft of his Card, and be one of the
following:
• A Visa Gold/Premier Cardholder
• A Visa Infinite Cardholder
• A participating Visa Classic or Visa Business Cardholder
• A non-participating Visa Classic or Visa Business Cardholder with Issuer approval
Emergency Cash Disbursement—A Cash Disbursement by an Acquirer to an Eligible Cardholder

or Visa Cheque purchaser who has reported his Card or Cheques lost or stolen.
Emergency Cheque Refund—An Emergency Cash Disbursement or Cheque replacement that an

Emergency Refund Location provides to a Visa Cheque purchaser at the direction of the Global
Refund Service.
Emergency Payment Authorization Service—A service offered to Visa Infinite Cardholders who
need to make Transactions prior to receiving an Emergency Replacement Card or Emergency
Cash. The service provides verbal Authorization for such emergency travel Transactions.
Emergency Refund Location—The office of a Member where an Emergency Cheque Refund is

disbursed.
Emergency Replacement Card—A temporary Visa Card that an Issuer or its agent (including
Visa) provides to replace an Eligible Cardholder’s lost or stolen Visa Card.
Emergency Service Location—A Member location or the Visa International Service Center where
an Eligible Cardholder can obtain an Emergency Replacement Card or an Emergency Cash
Disbursement.
EMV—Technical specifications developed (jointly by Europay International, MasterCard

International, and Visa International) to provide standards for processing debit and credit
Transactions, and ensure global interoperability for the use of Chip technology in the payment
industry.
EMV-Compliant—A term used to describe a Card or terminal application that complies with the
requirements specified in the EMV Integrated Circuit Card Specifications for Payment
Systems.
EMV PIN-Compliant—A Chip-Reading Device that complies with the PIN requirements of the Visa
International Pin Entry Device Testing and Approval Program.
EMV PIN Transaction—A Chip-initiated Transaction (excluding ATM Transactions) verified

utilizing Online or Offline PIN Verification.
Endorsement Date Fedwire
Endorsement Date—One of the following dates on a Clearing Record:

• If cleared through BASE II, the Edit Package run date on which a Member submits outgoing
Interchange
• If cleared through the Single Message System, the Settlement Date
• If cleared under a Private Agreement, the date on which a Member processes outgoing
Interchange
For BASE II Transactions, the Endorsement Date is no later than the date on which the
Member creates the BASE II Interchange File. For Transactions with indecipherable or invalid
Account Numbers not cleared through BASE II, the Endorsement Date is the date on which the
Transaction was first entered into Interchange and mailed.
Exception File—A VisaNet file of Account Numbers for which the Issuer has predetermined an
Authorization Response, that a Member accesses Online. The Exception File supports:
• Stand-In Processing
• Positive Cardholder Authorization Service
• Production of the Card Recovery Bulletin
Expired Card—A Card on which the embossed, encoded, or printed expiration date has passed.
Exported Transaction Receipt—A Transaction Receipt that is deposited outside of the

F
Face-to-Face Environment—An environment where a Transaction is completed under all of the
• Card or Proximity Payment Device is present
• Cardholder is present
• Individual representing the Merchant or Acquirer completes the Transaction
• Retail Transactions
• T&E Transactions
• Manual Cash Disbursements
• Small Ticket Transactions
Transactions in this environment exclude the following:
• Mail/Phone Order Transactions
• Recurring Transactions
• Unattended Acceptance Terminal Transactions
Facsimile Access System—A facsimile-based process that enables low-volume participants to

transmit and fulfill Copy Requests through the VisaNet Copy Request and Fulfillment Service.
Fallback Transaction—An EMV Chip Card Transaction initially attempted at a Chip-Reading

Device, where the device’s inability to read the Chip prevents the Transaction from being
completed using the Chip Card data, and the Transaction is instead completed using an
alternate means of data capture and transmission.
Fedwire—A telecommunications payment transfer service operated by the United States Federal
Reserve System.
Fee Collection Transaction Global Co-branding Partner
Fee Collection Transaction—A transaction used to collect financial obligations of a Member

arising out of the Visa International Operating Regulations, the Visa International By-Laws ,
other requirements adopted by the International Board, or otherwise.
Fictitious Account Number—An Account Number that has never existed.
File Correction Service—A service where Visa reverses accepted Interchange files that contain
duplications.
Fleet Service—A Visa Commercial Card enhancement that enables a corporation to improve its
vehicle fleet management process.
Floor Limit—A currency amount that Visa has established for single Transactions at specific types
of Merchant Outlets and Branches, above which Authorization is required. The Visa
International Operating Regulations refers to 2 Floor Limit types:
• Standard Floor Limit
• Zero Floor Limit
Foreign Currency—A currency other than local currency.
Fraud Activity—A Transaction that an Issuer reports as fraudulent when either a:

• Fraudulent User used a Card or its Account Number
• Card was obtained through misrepresentation of identification or financial status
Fraudulent User—An individual who is not the Cardholder or designee and who uses a Card (or,
in a Mail/Phone Order or Recurring Transaction, an Account Number) to obtain goods or
services without the Cardholder’s consent.
Fulfillment—A document that the Acquirer supplies in response to a Copy Request.
Full-Chip Data—Data that provides:

• EMV minimum mandated requirements
• Visa-specified information necessary to support Online cryptographic validation
• Record of the Card and terminal interactions completed during a Transaction
G
Global Co-branded Card—A Card that:
• Is issued by one or more Issuers that has a contractual relationship with a Global
Co-branding Partner
• Bears the Trade Name or Mark of the Global Co-branding Partner on the front of the Card
• May offer a Cardholder tangible benefits for Card usage and loyalty (e.g., rebates,
discounts, airline miles, etc.)
Global Co-branding Partner—A non-Member that:

• Is not eligible for membership in Visa
• Is a for-profit commercial entity or non-profit organization
• Has a contractual relationship for the issuance of Co-branded Cards:
- With one or more Issuers
- In one or more Visa Regions and countries
Global Co-branding Partnership Hotel Reservation Service
Global Co-branding Partnership—A contractual relationship between an Issuer and a Global

Co-branding Partner.
Global Customer Assistance Services—Customer and emergency services provided to

Cardholders and Cheque purchasers traveling away from home. These include the:
• Lost/Stolen Card Reporting Service
• Emergency Card Replacement Service
• Emergency Cash Service
• Emergency Payment Authorization Service
• Travelers Cheque Global Refund Service
• Cardholder Inquiry Service
• Visa TravelMoney customer service
Global Merchant Chargeback Monitoring Program—A program that monitors International

Transactions and Chargebacks to identify Merchants that cause undue economic and goodwill
damage to the Visa system.
Global Refund Service—A Visa service that assists Cheque purchasers whose Cheques are lost
or stolen.
Group Member—A Member as defined under the Visa International By-Laws, Section 2.21.
Guest Folio—A Hotel’s or Cruise Line’s guest file.
H
High-Risk Merchant—A Merchant Outlet that is identified when established parameters for risk
and fraud activities have been exceeded. A High-Risk Merchant may be subject to
Chargebacks, as specified in Chapter 2, "Risk Management" or the specific risk compliance
program Terms of Reference.
High-Risk Electronic Commerce Merchant—An Electronic Commerce Merchant identified by

the Global Merchant Chargeback Monitoring Program or other Visa risk management initiatives
(e.g., Merchant Fraud or similar region-specific programs) that causes undue economic and
goodwill damage to the Visa system.
High-Risk Telemarketing Merchant—A Merchant whose business includes telemarketing activity

that presents financial or goodwill risk to Visa or the Visa-Owned Marks. The Visa International
Operating Regulations refers to the following as High-Risk Telemarketing Merchants:
• Direct marketing travel-related arrangement services
• Inbound teleservices
• Outbound telemarketing
Visa may change the definition of a High-Risk Telemarketing Merchant to include additional
Merchant categories.
See Appendix B, "Merchant Data Standards" for detailed descriptions of direct marketing
Merchants.
Hotel—A hotel Merchant.
Hotel Reservation Service—A Visa Hotel service where a Cardholder may use a Visa Card to
guarantee overnight accommodations.
Imprint Interchange Reimbursement Fee
I, J
Imprint—Cardholder data transferred from a Card to a Transaction Receipt to complete a
Transaction. There are 2 kinds of imprints:
• Electronic Imprint
• Manual Imprint
Installment Transaction—The single purchase of goods or services billed to an account in

multiple segments, over a period of time agreed to between a Cardholder and a Merchant.
In-Transit Service—A service provided on-board a passenger transport vehicle that may include
the purchase of goods or services (e.g., movie rentals, catalog purchases, gambling).
In-Transit Service Gambling Merchant—A Merchant that provides any form of gambling while
in-transit and meets the requirements specified in Section 5.4.D.
In-Transit Service Merchant—A Merchant that provides in-transit services as specified in

Section 4.1.C.3.
In-Transit Service Transaction—The purchase of goods, services, or gambling on-board a

passenger transport vehicle.
In-Transit Terminal—A Cardholder-Activated Terminal located on a vehicle designed to transport

passengers (e.g., an aircraft or cruise ship) that may be used for the purchase of goods,
services, or gambling.
Input Date—The Edit Package run date on which a Member submits outgoing Interchange, or, for
Domestic Transactions, the date on which the Member processes outgoing Interchange.
Integrated Circuit Card—See Chip Card.
Integrated Circuit Card Terminal—See Chip-Reading Device.
Integrated Circuit Chip—See Chip.
Interchange—The exchange of Clearing Records between Members. The Visa International

Operating Regulations refers to the following types of Interchange:
• Domestic Interchange
• International Interchange
Interchange Advice—A debit or credit advice drawn on or sent to a Member in Settlement of

Transaction Receipts that another Member enters into Interchange (outside of VisaNet).
Interchange Authorization Limit—The amount over which a manual authorizer must obtain an
Authorization from an Issuer on a proposed Transaction or group of Transactions initiated on
the same day by the same Cardholder.
Interchange File—An electronic file containing a Member’s Interchange data.
Interchange Reimbursement Fee—A fee reimbursed by an Acquirer to an Issuer in the Clearing

and Settlement of an Interchange Transaction.
Interchange Reimbursement Fee Compliance International Transaction
Interchange Reimbursement Fee Compliance—Effective 1 July 2008, a process where Visa

resolves disputes between Members for a Member’s violation of the Visa International
Operating Regulations or Regional Operating Regulations that causes an incorrect
Interchange Reimbursement Fee rate to be applied to a large number of Transactions,
resulting in a financial loss to another Member.
Interchange Reimbursement Fee Compliance Screening—Effective 1 July 2008, a Member’s

request for permission to file Interchange Reimbursement Fee Compliance against another
Member.
Interchange Transaction—A Transaction where the Issuer and the Acquirer are different.
Interlink Program—A program through which a participant provides Point-of-Transaction services

to Cardholders and Merchants, as specified in Volume IV—Interlink Program Operating
Regulations.
Interlink Program Marks—The Interlink Mark, Network Design Mark, and any other service Marks
adopted by Visa for use with the Interlink Program.
Intermediary Bank—A depository institution, specified by a Member or by Visa, through which a

Settlement funds transfer must be processed for credit to a Settlement account at another
depository institution.
International Airline—Either:
• An Airline that sells tickets directly in its own name in 2 or more countries, or operates
scheduled flights between 2 or more countries, or both
• Its authorized agent that sells airline tickets on behalf of the Airline
International Airline Transaction Receipt—A Transaction Receipt that an International Airline

completes.
International Authorization—The Authorization of an International Transaction.
International Automated Referral Service—A VisaNet service that enables a VisaNet Processor
to obtain an immediate reply to a Referral Response.
International Board—The Visa International Board of Directors.
International Exception File—A VisaNet file of Account Numbers for which the Issuer has
predetermined an Authorization Response that is provided by Visa to Members.
International Interchange—Interchange of an International Transaction.
International Organization for Standardization—The specialized international agency that

establishes and publishes international technical standards.
International Record Carrier—A commercial organization that provides regulated or tariffed

telecommunication services for the international transmission of data.
International Transaction—A Transaction where the Issuer of the Card used is not located in the
International Transaction Receipt Key Management Service
International Transaction Receipt—A Transaction Receipt evidencing an International

Transaction.
Internet—An electronic communications network that connects computer networks and

organizational computer facilities around the world.
Internet Payment Service Provider (IPSP)—An online entity that contracts with an Acquirer to
provide payment services to a Sponsored Merchant.
Internet Payment Service Provider Agreement—A contract between an Internet Payment

Service Provider and an Acquirer containing their respective rights, duties, and obligations for
participation in the Acquirer’s Visa or Visa Electron Program.
Interregional Interchange—Interchange for an Interregional Transaction.
Interregional Transaction—A Transaction where the Issuer of the Card used is not located in the
Transaction Region.
Interregional Transaction Receipt—A Transaction Receipt evidencing an Interregional

Transaction.
Intraregional Transaction—A Transaction where the Issuer of the Card used is located in the
Transaction Region, but not in the Transaction country.
IPSP (Internet Payment Service Provider)—See Internet Payment Service Provider.
Issuer—A Member that issues Visa Cards, Visa Electron Cards, or Proprietary Cards bearing the
Plus Symbol, and whose name appears on the Card as the Issuer (or, for Cards that do not
identify the Issuer, the Member that enters into the contractual relationship with the
Cardholder).
Issuer Chip Rate—An Interregional Interchange Reimbursement Fee reimbursed to an Issuer for
any Transaction that meets the Electronic Rate requirements and is completed with a Card
issued by an Issuer that has converted 50% of a designated BIN(s) or Account Number range
of a Visa Card Program or Visa Electron Card Program to Visa Smart Payment, and is
conducted at a Magnetic-Stripe Terminal.
Issuer Limit—An Issuer-specified amount that determines how a Transaction will be authorized.
Visa routes a Transaction as follows, based on the Transaction amount:
• Amount at or above the Issuer Limit, to the Issuer’s VisaNet Processor
• Amount below the Issuer Limit, to Stand-In Processing using the Positive Cardholder
Authorization Service
K
Key Management Service—A service that Visa provides to process, store, and transmit Member
keys associated with the security algorithm used in the V.I.P. System to protect the security of
PINs.
Late Settlement Fee Magnetic-Stripe Image
L
Late Settlement Fee—The fee that Visa collects from a Member for failure to transfer the
Settlement Amount at the Visa Settlement Bank on the date due.
Lead Region—A Region where a Global Co-branding Partnership is initiated.
Liability—As specified in the Visa International Operating Regulations, Section 1.12, any liability
under any theory or form of action whatsoever, in law or in equity, including, without limitation,
contract or tort, including negligence, even if the responsible party has been notified of the
possibility of such damages. The term also includes liability for infringement of others’
intellectual property rights or any liability for Claims of third parties.
Licensee—An entity licensed to participate in the Visa or Visa Electron Program that is neither a:
• Member
• Member or owner of a Group Member
Limited-Amount Terminal—See Unattended Acceptance Terminal and Cardholder-Activated

Transaction Type A.
Listed Card—A Card whose Account Number is listed on the Exception File.
Load Acquirer—A Member financial institution or its agent that operates Load Devices and
support systems that allow consumers to:
• Load value to a reloadable Visa Cash Card
• Unload value from a reloadable Visa Cash Card, where applicable
Load Device—An ATM or stand-alone device that a Cardholder uses to add or remove value from
a stored value application on a Chip Card.
Load Transaction—A means of adding monetary value to a Chip Card at an ATM or Load Device.
Load Transaction Receipt—A Transaction Receipt generated at an ATM or Load Device as a

result of a Cardholder adding monetary value to a Chip Card.
Logotype—A Wordmark depicted in stylized lettering.
M
Magnetic Stripe—The magnetic stripe or holographic magnetic stripe on a Card that contains the
necessary information to complete a Transaction.
Magnetic-Stripe Card—A Card bearing a Magnetic Stripe that contains the necessary information
to complete a Transaction.
Magnetic-Stripe Data—Data contained in the Magnetic Stripe and replicated in the Chip.
Magnetic-Stripe Image—The minimum Chip payment data replicating the Magnetic Stripe
information required to process an EMV-Compliant Transaction.
Magnetic-Stripe Telephone Mark
Magnetic-Stripe Telephone—An Unattended Acceptance Terminal that may be capable of

supporting Cardholder-Activated Transaction Type A, Cardholder-Activated Transaction Type
B, or Cardholder-Activated Transaction Type C (as determined by Transaction elements, i.e.,
Authorization, PIN acceptance, Transaction amount) that accepts a Visa Card as payment for
a telephone call.
Magnetic-Stripe Terminal—A terminal that reads the Magnetic Stripe on a Card.
Mail/Phone Order Merchant—A Merchant that completes a Mail/Phone Order Transaction.
Mail/Phone Order Transaction—A Transaction where a Visa Cardholder orders goods or

services from a Merchant by telephone, mail, or other means of telecommunication, and
neither the Card nor the Cardholder is present at the Merchant Outlet.
Manual Capability—Point-of-Transaction Capability where both of the following are true:

• For above-Floor Limit Transactions, an Authorization is obtained using voice
• For below-Floor Limit Transactions, a Card Recovery Bulletin is checked
Manual Cash Disbursement—A Cash Disbursement obtained with a Visa Card or Visa Electron
Card in a Face-to-Face Environment.1
Manual Imprint—An imprint of the embossed data on the front of the Card taken with a manual
imprinter.
Manual Transaction Receipt—A Transaction Receipt created when an Account Number is

transferred to the Transaction Receipt without the use of electronic means in a manual or
semi-electronic environment.
Mark—A word, name, design, symbol, or other device, or any combination thereof, that an entity
adopts to identify its goods or services. The Visa International Operating Regulations refers to
the following categories of Mark:
• ATM Mark
• Design
• Hologram
• Logotype
• Non-Visa-Owned Marks
• Olympic Marks
• Product Name
• Program mark
• Service mark
• Symbol
• Visa Brand Mark
• Visa Brand Name
• Visa-Owned Marks
• Wordmark
Refer to Chapter 10, "Card and Marks Requirements" or the Visa Product Brand Standards for
a description of the Visa-Owned Marks.
1
A variance applies in Visa U.S.A. for the AAA Travelers Cheque Program.
Member Merchant Agreement
Member—An entity that is a member of Visa or an entity which has entered into a Services
Agreement with Visa Canada. The Visa International Operating Regulations refers to the
following types of Member:
• Acquirer
• Associate
• ATM Acquirer
• Disbursing Member
• Group Member
• Issuer
• Merchant Bank
• Participant
• Plus Program Participant
• Principal
• Visa Acquirer
• Visa Electron Acquirer
• Visa Electron Issuer
• Visa Issuer
Member Identification Area—The area on the front of a Card that is not covered by the Marks.
Member Message Field—A text field in the VisaNet record of a Chargeback or Representment
that contains pre-formatted messages.
Merchant—An entity that contracts with an Acquirer to originate Transactions and that displays a
Mark that is a Visa-Owned Mark. The Visa International Operating Regulations refers to the
following types of Merchant:
• Airline
• Car Rental Company
• Cash Disbursement Merchant
• Cruise Line
• Electronic Commerce Merchant
• High-Risk Telemarketing Merchant
• Hotel
• International Airline
• In-Transit Service Gambling Merchant
• In-Transit Service Merchant
• Mail/Phone Order Merchant
• Prepaid Card Merchant
• Quasi-Cash Merchant
• Recurring Services Merchant
• Retail Merchant
• Single Merchant
• T&E Merchant
• Timeshare Merchant
• Visa Electron Merchant
• Visa Merchant
• Wire Transfer Merchant
Merchant Agreement—A contract between a Merchant and an Acquirer containing their

respective rights, duties, and obligations for participation in the Acquirer’s Visa or Visa Electron
Program.
Merchant Alert Service National Net Non-Settled Interchange Service
Merchant Alert Service—A regional risk management service that requires a participating
Acquirer to both:
• Submit information about a Merchant it has terminated
• Verify, prior to signing, that a Merchant is not listed with the service
Merchant Bank—A Member as defined under the Visa International By-Laws , Section 2.07.
Merchant Category Code—A code designating the principal trade, profession, or line of business
in which a Merchant is engaged, as specified in Appendix B, "Merchant Data Standards".
Merchant Certificate—An electronic document used to authenticate a Merchant in an Electronic

Commerce Transaction.
Merchant Fraud Performance Program—A fraud management program used to identify

Merchants with excessive fraud levels.
Merchant Mailing File—A file maintained at a VisaNet Interchange Center containing the names,
addresses, and other pertinent information about Merchants designated to receive the Card
Recovery Bulletin.
Merchant Outlet—Either:
• The physical premises of the Merchant at which a Transaction is completed
• For an Electronic Commerce or Mail/Phone Order Merchant, the country where all the
following occur:
- There is a Permanent Establishment through which Transactions are completed. In the
absence of a Permanent Establishment, a Merchant that provides only digital goods
must use the country where the principals of the company work.
- The Merchant holds a valid business license for the Merchant Outlet
- The Merchant has a local address for correspondence and judicial process
- The Merchant Outlet pays taxes relating to the sales activity
Misembossed Card—A valid Card on which erroneous information is embossed.
Misencoded Card—A valid Card on which erroneous information is encoded.
N
National Bilateral Non-Settled Interchange Service—A VisaNet service that provides Clearing
and Settlement reporting in local currency, but not funds transfer, for Domestic Interchange.
National Card Recovery Bulletin—A special edition of the Card Recovery Bulletin that lists
domestic Account Numbers in addition to the other applicable listings.
National Card Recovery File—A magnetic tape file (available to US Members) of Visa Account
Numbers listed on the Exception File with a Pickup Response and either of the following:
• Any Card Recovery Bulletin Region designation
• “No Region” designation
National Net Non-Settled Interchange Service—A VisaNet service that provides Domestic
Interchange through VisaNet and includes reporting of the net Settlement position for each
participating Member in local currency.
National Office Offline Authorization
National Office—A Visa office with jurisdiction over a single country.
National Operating Regulations—The operating regulations of a National Office.
National Organization—An organization as defined under the Visa International By-Laws,

Section 16.01.
New Channel—An environment in which payment is initiated via a Cardholder Access Device or
other device that does not use a standard Hypertext Markup Language (HTML) browser to
process an Authentication Request.
Nonfulfillment Message—A response to a Copy Request indicating that the Acquirer will not
provide a copy through the VisaNet Copy Request and Fulfillment Service.
Non-Authenticated Security Transaction—An Electronic Commerce Transaction that uses data

encryption for security but is not authenticated using an Authentication Method.
Non-Participation Message—A message to a 3-D Secure Merchant indicating that the Issuer or
Cardholder, represented by either of the following, does not participate in 3-D Secure:
• Issuer BIN
• Account Number
Non-Registered Country—A country for which Visa has not given written permission for an
Acquirer to accept International Airline Transactions.
Non-Secure Transaction—An Electronic Commerce Transaction that has no data protection.
Non-Settled Advice—A text message available to Members that specifies the count and amount
of Clearing Records processed in Domestic Interchange.
Non-Standard Card—A Visa Card or Visa Electron Card that does not comply with the plastic
specifications in the Visa International Card and Mark Specifications, requires Visa approval,
and must:
• Provide the designated level of utility promised to the Cardholder
• Contain the physical elements and data components required to complete a Transaction
Non-Visa-Owned Marks—The Marks used in conjunction with a program sponsored by Visa, but
owned by a third party.
No-Show Transaction—A Transaction that a Hotel participating in the Hotel Reservation Service
or a Car Rental Company participating in the Specialized Vehicle Reservation Service
completes, resulting from a Cardholder’s alleged failure to cancel or use the reservation.
Notification—Written notice delivered by mail, courier, facsimile, telex, or hand. Notification is

effective when posted, sent, or transmitted by Visa to the Member or its agent.
O
Offline Authorization—An Issuer-controlled process that allows a Chip-initiated Authorization
Request to be processed in a below-Floor Limit environment without sending the request to the
Issuer.
Offline PIN Verification Original Credit
Offline PIN Verification—A process used to verify the Cardholder’s identity by comparing the PIN
entered at the Chip-Reading Device to the PIN value contained in the Chip.
Olympic Marks—The Marks of the Olympic games when used in conjunction with the Visa, Visa
Electron, or Visa TravelMoney Program.
Online—A method of requesting an Authorization through a communications network other than

voice to one of the following:
• An Issuer
• A VisaNet Processor
• Stand-In Processing
Online Card Authentication Cryptogram—A cryptographic validation of the legitimacy of the

Card and Authorization Request information.
Online Financial Processing—A process that combines Authorization, Clearing, and Settlement
into a single Online Financial Transaction.
Online Financial Transaction—A Transaction that is authorized, cleared, and settled in a single
online message.
Online Gambling Merchant—An Electronic Commerce Merchant that provides any form of
gambling services over the Internet or other networks. Gambling services include, but are not
limited to the following:
• Betting
• Lotteries
• Casino-style games
• Funding an account established by the Merchant on behalf of the Cardholder
• Purchase of value for proprietary payment mechanisms, such as electronic gaming chips
Online Gambling Transaction—An Electronic Commerce Transaction representing the purchase

of any form of gambling services over the Internet or other networks. Gambling services
include, but are not limited to the following:
• Betting
• Lotteries
• Casino-style games
• Funding an account established by the Merchant on behalf of the Cardholder
• Purchase of value for proprietary payment mechanisms, such as electronic gaming chips
Online PIN Verification—A process used to verify the Cardholder’s identity by sending an
encrypted PIN value to the Issuer for validation in an Authorization Request.
On-Us Transaction—A Transaction where the Issuer and the Acquirer are the same.
Operating Principles—Standards adopted by the Board of Directors of Visa to govern programs

or services offered by Visa prior to the incorporation of those standards into the Visa
International Operating Regulations.
Original Credit—A Transaction initiated by a Member either directly or on behalf of its Merchant
that results in a credit to a Visa Account Number for a purpose other than refunding a Visa
purchase, as specified in the Original Credits Member Requirements manual.
Originating Member Plus Logotype
Originating Member—An Issuer or Acquirer that initiates an Original Credit as specified in the
Original Credits Member Requirements manual.
P
Partial Authorization—An Authorization Response sent by an Issuer approving an amount less
than the amount requested by a Merchant participating in the Partial Authorization service.
Participant—A Member as defined under the Visa International By-Laws, Section 2.06.
Payment Application—A software application contained within a Chip or payment data encoded
on a Magnetic Stripe that defines the parameters for processing a Visa or Visa Electron
Transaction.
Payment Gateway—A system that provides electronic commerce services to Merchants for the
Authorization and Clearing of Electronic Commerce Transactions.
Permanent Establishment—A fixed place of business through which an Electronic Commerce or

Mail/Phone Order Merchant conducts its business, regardless of Website or server locations.
Pickup Response—An Authorization Response where the Transaction was declined and
confiscation of the Card was requested.
PIN—A personal identification alpha or numeric code that identifies a Cardholder in an

Authorization Request originating at a terminal with Authorization-Only or Data Capture-Only
Capability.
PIN-Preferring Chip Card—An EMV and VIS-Compliant Chip Card containing a Visa or Visa
Electron Smart Payment Application, and a Cardholder Verification Method list specifying a
preference for a PIN-based Cardholder Verification Method (either offline or online).
PIN Verification—A procedure used to verify Cardholder identity when a PIN is used in an
Authorization Request.
PIN Verification Field—A field encoded on the Magnetic Stripe of a Card comprising a PIN
Verification Value, calculated with an algorithm using portions of the Account Number and PIN,
and a one-digit key indicator.
PIN Verification Service—A service that Visa provides for the verification of Cardholder PINs
transmitted with Authorization Requests.
PIN Verification Value—A 4-digit value used in PIN verification.
PIN Verification Value File—A VisaNet file of Account Numbers and PIN Verification Values
maintained at a VisaNet Interchange Center at an Issuer’s option for use as part of the PIN
Verification Service.
Plus ATM—An ATM that displays the Plus Symbol and not the Visa Brand Mark.
Plus Design—See Diamond Design.
Plus Logotype—The Plus Wordmark depicted in stylized lettering.
Plus Program Positive Authorization Capacity Management
Service
Plus Program—A program through which a Plus participant provides ATM services to Cardholders
by acting as an Issuer, an ATM Acquirer, or both.
Plus Program Marks—The Marks used in connection with the Plus Program, including the
Diamond Design, Plus Symbol, Plus Logotype, Plus Wordmark, Plus Symbol-Contained, and
Plus Symbol-Uncontained as specified in the Visa Product Brand Standards.
Plus Program Participant—An entity participating in the Plus Program, as specified in the Visa
International By-Laws, Section 2.09.
Plus Symbol—A Mark consisting of the Diamond Design combined with the Plus Logotype
denoting ATM access only. One of the Visa-Owned Marks. The Plus Symbol:
• Must be used as specified in the Visa Product Brand Standards
• May be used as either the:
- Plus Symbol-Contained
- Plus Symbol-Uncontained
Plus System, Inc.—An entity that Visa U.S.A. Inc. has sublicensed to administer the Plus Program
in the United States and certain other countries, in accordance with the affiliation agreements
between that entity and Visa.
Plus Wordmark—A Mark consisting of the word “Plus” with the initial letter capitalized. One of the
Visa-Owned Marks.
Point-of-Transaction—The physical location where a Merchant or Acquirer (in a Face-to-Face

Environment) or an Unattended Acceptance Terminal (in an Unattended Environment)
completes a Transaction Receipt.
Point-of-Transaction Capability—The capability of a Merchant, Acquirer, or Unattended

Acceptance Terminal to obtain an Authorization and process Transaction Receipt data. The
Visa International Operating Regulations refers to these Point-of-Transaction Capability types:
• Authorization-Only Capability
• Data Capture-Only Capability
• Electronic Capability
• Manual Capability
• Semi-Electronic Capability
Point-of-Transaction Terminal—A device used at the Point-of-Transaction that has a

corresponding Point-of-Transaction Capability. The Visa International Operating Regulations
refers to the following types of Point-of-Transaction Terminals:
• ATM
• Chip-Reading Device
• Magnetic-Stripe Telephone
• Magnetic-Stripe Terminal
• Unattended Acceptance Terminal
POS Entry Mode—A V.I.P. System field indicating the method used to obtain and transmit the
Cardholder information necessary to complete a Transaction, i.e., manual key entry,
Magnetic-Stripe read or Chip read.
Positive Authorization Capacity Management Service—A VisaNet service designed to

increase the volume of Transactions authorized by the Issuer.
Positive Cardholder Authorization Service Priority Check-out Transaction
Positive Cardholder Authorization Service—A set of risk control services, as specified in the
VisaNet manuals, that allows an Issuer to specify Transaction processing controls for
Authorization Requests. These controls:
• Vary according to Merchant type and Cardholder risk level
• Determine the Transactions to forward to the Issuer
• Determine the Authorization services Visa provides to the Issuer
Post-Issuance Application Change—A method that enables an Issuer to modify or block an

application already residing on a Chip.
Post-Issuance Application Load—A method that enables an Issuer to add an application or

service to the contents of a Chip without reissuing a Card.
Post-Issuance Updates—A method that enables an Issuer to update information stored in a Chip
without reissuing the Card. There are 2 types of Post-Issuance Updates:
• Post-Issuance Application Change
• Post-Issuance Application Load
Prepaid Account—An account established by an Issuer, with previously deposited, authorized, or

transferred funds, that is decreased by purchase Transactions, Cash Disbursements, or
account fees.
Prepaid Card—A card used to access funds in a Prepaid Account or a card where monetary value
is stored on a Chip.
Presentment—A Clearing Record that an Acquirer presents to an Issuer through Interchange,

either initially (a first Presentment) or after a Chargeback (a Representment).
Primary Mark—A Visa-Owned Mark on a Card that identifies the primary Account Number when
multiple Brand Marks (including both Visa-Owned and Non-Visa-Owned Marks) are contained
on a Chip Card.
Principal—A Member as defined under the Visa International By-Laws., Section 2.04.
Priority Check-out Agreement—A written agreement that, when bearing a Cardholder’s

signature, authorizes a Hotel or Cruise Line participating in the Priority Check-out Service to
deposit a Transaction Receipt without the Cardholder’s signature for the total amount of his
obligation.
Priority Check-out Service—A Visa service provided by Hotels or Cruise Lines that allows a
Cardholder to authorize the use of his Card for payment of his total obligation to the Merchant,
with or without prior knowledge of the total amount, by signing a completed Priority Check-out
Agreement.
Priority Check-out Transaction—A Transaction that a Hotel or Cruise Line participating in the
Priority Check-out Service completes, resulting from completion of a Priority Check-out
Agreement.
Private Agreement Quasi-Cash Merchant
Private Agreement—A bilateral agreement between Members, or the operating regulations of a

Group Member, pertaining to Authorization or Clearing and Settlement of Domestic
Transactions.
Private Keys—The secret portion of the cryptographic method used for verification during a
Transaction.
Processing Date—The date (based on Greenwich Mean Time) on which a Member submits
Interchange Data to, and the data is accepted by, a VisaNet Interchange Center. Equivalents
to the Processing Date are:
• In BASE II, the Central Processing Date
• In the Single Message System, the Settlement Date
Product Name—A name for goods or services offered by a Member to a Cardholder, e.g., Visa
Gold.
Product Replacement Center—A facility that issues Emergency Replacement Cards to an

Eligible Cardholder at the request of a Visa International Service Center.
Proprietary Card—A Card that does not bear the Visa Brand Mark or Visa Brand Mark with the
Electron Identifier but may bear a Plus Symbol.
Proximity Payment—A payment performed in a Card-Present Environment over a Visa-approved

wireless interface at the Point-of-Transaction. This includes payments made with contactless
devices, mobile telephones, and micro tags.
Proximity Payment Device—A payment tool using a Visa approved wireless interface to access
a Visa account that:
• Has distinct branding, issuance, and technical requirements
• Provides the ability to conduct a Proximity Payment Transaction
• Includes contactless devices, mobile telephones, and micro tags
Proximity Payment Transaction—A Transaction conducted over a Visa-approved wireless

interface.
Public Keys—The non-secret portion of the cryptographic method used for verification during a
Transaction.
Q
Qualified Chip Card—A Chip Card that is issued under a designated BIN(s) or Account Number
range of a Visa Card Program or a Visa Electron Card Program and has met the Visa
requirements for the Issuer Chip Rate, as specified in Chapter 8, "Fees."
Quarterly Operating Certificate—A report that each Member sends to Visa each calendar
quarter, detailing its Visa Card and Merchant Transaction volume.
Quasi-Cash Merchant—A Merchant that completes a Quasi-Cash Transaction.
Quasi-Cash Transaction Region of Domicile
Quasi-Cash Transaction—A Transaction representing a Merchant’s or Member’s sale of items

that are directly convertible to cash, such as:
• Gaming chips
• Money orders
• Deposits
• Wire Transfers
• Travelers cheques
• Visa TravelMoney Cards
• Foreign Currency
R
Real-Time Clearing—Effective 4 October 2008, an optional program for Acquirers and
Merchants which allows an Automated Fuel Dispenser Merchant to send an Authorization
request (preauthorization) for an estimated Transaction amount (up to a maximum Transaction
amount of US $500 or local currency equivalent) through the Single Message System. Upon
completion of the Transaction, the Automated Fuel Dispenser Merchant must send the actual
Transaction amount (Completion Message) to the Issuer within X hours of the preauthorization
request.
Real-Time Clearing Transaction—Effective 4 October 2008, an Automated Fuel Dispenser

Transaction that is authorized and cleared through Real-Time Clearing.
Receipt Date—The BASE II Edit Package run date (or, in the Single Message System, the
Settlement Date) on which a Member processes incoming Interchange. Commonly used for the
calculation of second Chargeback and Representment time limits by the Receiving Member.
Receiving Member—A Member receiving a Transaction through Interchange.
Recipient Member—An Issuer that receives an Original Credit as specified in the Original Credits
Member Requirements manual.
Recurring Services Merchant—A Merchant that provides services of an ongoing nature to a Visa
Cardholder (e.g., club membership, magazine subscription) and completes Recurring
Transactions to bill the Cardholder for these services.
Recurring Transaction—Multiple Transactions processed at predetermined intervals not to

exceed 1 year between Transactions, representing an agreement between a Cardholder and
a Merchant to purchase goods or services provided over a period of time.
Reference Card—An item containing relevant account information, such as an Account Number,
expiration date, etc., that is provided to a Virtual Account Holder.
Referral Response—An Authorization Response where the Merchant or Acquirer is instructed to

contact the Issuer for further instructions before completing the Transaction.
Refund Claim Number—A number that a Global Refund Service provides to a Cheque purchaser
to verify that he qualifies for a refund of lost or stolen Cheques.
Region of Domicile—The Visa Region where a Member has its principal place of business.
Regional Board Reversal
Regional Board—One of the Visa Regional Boards of Directors, as specified in the Visa
International By-Laws.There are 2 Regional Boards:
• Visa Canada Board
• Visa U.S.A. Board
Regional Card Recovery File —A regional electronic version of the Card Recovery Bulletin that is
distributed via the V.I.P. System to countries that receive a National Card Recovery Bulletin.
Regional Certification Authority—A Regional Office acting as a Certification Authority. A

Regional Certification Authority:
• Issues Digital Certificates only to:
- A Member located in its Region
- Non-members (i.e., Cardholders, Merchants, or agents) at the request of a Member in
its Region
• Is indemnified by the requesting Member for the issuance of each Digital Certificate
• Complies with all requirements of certificate use that apply to Certification Authorities, as
specified in the Visa International Public Key Infrastructure (X.509) Certificate Policy
Regional Office—The head office of a Visa Region, located as follows:

• Asia-Pacific Region: Tokyo, Japan
• Canada Region (Visa Canada Corporation): Toronto, Canada
• CEMEA Region: London, England
• Latin America and Caribbean Region: Miami, FL, U.S.A.
• U.S.A. Region (Visa U.S.A. Inc.): Foster City CA, U.S.A.
Regional Operating Regulations—The operating regulations of a Visa Region.
Representment—A Clearing Record that an Acquirer presents to an Issuer through Interchange

after a Chargeback.
Representment Advice—A VisaNet message sent in response to a Representment that does all
of the following:
• Notifies the Acquirer that a Representment has passed certain validations and has been
forwarded to the Issuer
• Notifies the Acquirer of the Issuer’s VisaNet Documentation Automation Service
participation status
• Notifies the Issuer of the Acquirer’s VisaNet Documentation Automation Service
participation status and whether documentation will be sent through the VisaNet
Documentation Automation Service
Retail Merchant—A Merchant that is not one of the following:

• Mail/Phone Order Merchant
• Recurring Services Merchant
• T&E Merchant
Retail Transaction—A Transaction at a Retail Merchant Outlet.
Retrieval Request—An Issuer’s request for a Transaction Receipt, which could include the
original, a paper copy or facsimile, or an electronic version thereof.
Reversal—A BASE II or Online Financial Transaction used to negate or cancel a transaction that
has been sent through Interchange in error.
Sales Draft Settlement Amount
S
Sales Draft—A paper record evidencing the purchase of goods or services by a Cardholder from
a Merchant using a Visa Card.
Sample Card Design—A unique background design developed for use on the front of the following
Cards:
• Visa Classic
• Visa Gold
• Visa Infinite
• Visa Business
• Visa Corporate
• Visa Purchasing
Scrip—A 2-part paper receipt that is redeemable at a Merchant Outlet for goods, services, or cash.
Secure Electronic Commerce Rate—An Interregional Interchange Reimbursement Fee paid for
a Secure Electronic Commerce Transaction.
Secure Electronic Commerce Transaction—An Electronic Commerce Transaction that has

been authenticated using an Authentication Method.
Secure Sockets Layer (SSL)—A protocol that uses Public Key encryption for the secure
processing of Transactions over the Internet and other networks.
Self-Service Terminal—See Unattended Acceptance Terminal and Cardholder-Activated

Transaction Type B.
Semi-Electronic Capability—Point-of-Transaction Capability where both of the following are true:

• Authorization, when required, is obtained Online
• Transaction Receipt data are captured electronically
Sending Member—A Member entering a Transaction into Interchange.
Service Code—A valid sequence of digits recognized by VisaNet that is encoded in a Magnetic
Stripe and replicated on the Magnetic-Stripe Image in a Chip that identifies the circumstances
under which the Card is valid (e.g., International Transactions, Domestic Transactions,
restricted Card use), and defines requirements for processing a Transaction with the Card
(e.g., Chip-enabled, Cardholder Verification, Online Authorization).
Services Agreement—A license or contract between Visa Canada and an entity that has a
contract or license, which allows the entity to participate in the Visa program or use the
Visa-Owned Marks, including in accordance with the Visa International Operating Regulations.
Settlement—The reporting of Settlement Amounts owed by one Member to another, or to Visa, as

a result of Clearing.
Settlement Amount—The daily net amount expressed in a Member’s Settlement Currency

resulting from Clearing. These amounts include Transaction and Fee Collection Transaction
totals, expressed in a Member’s Settlement Currency.
Settlement Bank Stand-In Processing
Settlement Bank—A bank, including a Correspondent or Intermediary Bank, that is both:

• Located in the country where a Member’s Settlement Currency is the local currency
• Authorized to execute Settlement of Interchange on behalf of the Member or the Member’s
bank
Settlement Currency—A currency that Visa uses to settle Interchange, as specified in the VisaNet
manuals.
Settlement Date—The date on which Visa initiates the transfer of Settlement Amounts in the
Settlement of Interchange. See Processing Date.
Simple Purchase Prepaid Card—A Card issued for a Prepaid Account where the Cardholder’s
name, address, and official identification number are not obtained, retained, and linked to the
Account Number.
Single Message System—A component of the V.I.P. System that processes Online Financial and
Deferred Clearing Transactions through a single VisaNet interface for purchases and ATM
Transactions.
Single Merchant—An individual Merchant or Merchant Outlet, or group thereof, doing business
under a common Trade Name or Mark.
Small Ticket Transaction—An electronically-read authorized Transaction of US $25 or less, or

local currency equivalent, presented by a Merchant with a qualified Merchant Category Code,
that is conducted in a Face-to-Face Environment, as specified in Chapter 5, "Payment
Acceptance."
Specialized Vehicle—A unique class of rental vehicle not in a Car Rental Company’s main rental
fleet (e.g., mini-vans, four-wheel-drive vehicles, selected sports models, luxury and vintage
vehicles), that does not constitute more than 5 percent of the Merchant’s total rental fleet.
Specialized Vehicle Reservation Service—A service provided by Car Rental Companies in Visa
U.S.A., where a Cardholder may use a Visa Card to guarantee reservations for Specialized
Vehicles.
Sponsored Merchant—An electronic commerce merchant that contracts with an Internet Payment
Service Provider to obtain payment services.
Standard Floor Limit—A Floor Limit that varies by Merchant type, as specified in Appendix C,
"Maximum Authorized Floor Limits."
Standard Rate—An Interchange Reimbursement Fee charged for any Transaction that does not
meet the requirements of the Chip, Secure Electronic Commerce, Electronic Commerce
Merchant, Interregional Airline, or Electronic Rate, and is not one of the following:
• Visa Commercial Card Transaction
• Visa Infinite Card Transaction
Stand-In Processing—The V.I.P. System component that provides Authorization services on

behalf of an Issuer when the Positive Cardholder Authorization System is used or when the
Issuer or its VisaNet Processor is unavailable.
Stand-In Processing Account Terminal Risk Management
Stand-In Processing Account—An Issuer-supplied valid Account Number (established and

activated in the Issuer’s Authorization system) that is maintained at a Visa International Service
Center. This Account Number is embossed and encoded on an Emergency Replacement Card
when the Issuer is not available to provide a new Account Number.
Status Check Authorization—An Authorization Request for 1 currency unit.
Substitute Transaction Receipt—A paper form or record that is not a Sales Draft and that a
Member or Merchant provides in response to a Retrieval Request, when allowed.
Summary of Interchange Entries—Data required to accompany Domestic Interchange

processed under a Private Agreement.
Support Authorization Service—The operator assistance service that Visa provides when a
Merchant’s Authorizing VisaNet Processor is temporarily unavailable due to system overload
or failure.
Suspect Activity—A Transaction completed the day of, or subsequent to the day that, the Account
Number was listed on the Exception File with a Pickup Response.
T
T&E—Travel and Entertainment.
T&E Chargeback—The Chargeback of a T&E Transaction.
T&E Document—A photocopy of all documents pertaining to a T&E Transaction originating from a
car rental, Hotel, or Cruise Line, including the following as applicable:
• Transaction Receipt
• Car rental agreement
• Guest Folio (if created)
• Card Imprint (if obtained)
• Cardholder signature (if obtained)
T&E Merchant—An Airline, Car Rental Company, Hotel, or Cruise Line whose primary function is
to provide travel-related services. A travel agency (excluding one that is primarily engaged in
the sale of transportation or travel-related arrangement services by Mail/Phone Order) is a T&E
Merchant to the extent that it acts as the agent of an Airline, a Car Rental Company, a Cruise
Line, or a Hotel.
T&E Transaction—A Transaction at a T&E Merchant Outlet.
Telephone Service Transaction—A Transaction in which a Cardholder uses a Visa Card to

purchase a telephone call. These Transactions include, but are not limited to, Magnetic-Stripe
Telephone Transactions.
Terminal Risk Management—A process performed by a Chip-Reading Device to protect a

Member from fraud by:
• Initiating Online Issuer Authorization for above-Floor Limit Transactions
• Ensuring random Online processing for below-Floor Limit Transactions
• Performing Transaction velocity checking
Third Party Trade Secret
Third Party—A non-Member that is not directly connected to VisaNet and provides
payment-related services, directly or indirectly, to a Member, such as:
• Storing, processing, or transmitting Cardholder or Transaction data or Visa Account
Numbers
• Conducting Cardholder solicitation, Card application processing services, or customer
service
• Conducting Merchant solicitation, sales, customer service, Merchant Transaction
solicitation, or Merchant training
• Performing Transaction-related or back office-related functions
• ATM deployment or operational support
• Point-of-Transaction deployment or operational support
• Soliciting other entities to sell, distribute, activate, or load Prepaid Cards on behalf of an
Issuer, and Prepaid Card sales or activation as a primary function of its business
A Third Party does not include:
• Co-branding partners
• Card manufacturers
• Card personalizers
• Internet Payment Service Providers (IPSPs)
Third-Party Personalizer—A Visa-certified third party that personalizes Cards for Members in
accordance with Visa security standards and audit controls. Personalizing includes either the:
• Embossing, printing, or encoding of a Visa Card or Visa Electron Card
• Embedding, initializing, or personalizing of a Chip on a Visa Card
Three-Domain Secure—See 3-D Secure.
Three-Domain Secure Electronic Commerce Transaction Specification—See 3-D Secure

Electronic Commerce Transaction Specification.
Timeshare Merchant—A Merchant that manages the sales, rentals, or other uses of
condominiums, holiday homes, holiday clubs, or apartments known as “timeshares.”
Timeshare Transaction—A Transaction resulting in the sale, rental, or other uses of

condominiums, holiday homes, holiday clubs, or apartments known as timeshares.
Tracing Data—In a Single Message System Online message, the transmission date and time,
systems trace audit number, retrieval reference number, Transaction identifier, and acquiring
institution ID. See Acquirer Reference Number.
Trade Dress—The physical appearance of a label, package, or display card.
Trade Name—A name used to identify a business and to distinguish its activities from those of
other businesses. In some cases the same words or symbols may serve as a Trade Name and
Mark simultaneously.
Trade Secret—Any formula, pattern, device, or compilation of information that is used in a

business, and that provides an opportunity to obtain an advantage over competitors who do not
know or use it.
Transaction Transaction Certificate
Transaction—The act between a Cardholder and a Merchant or an Acquirer that results in the
generation of a Transaction Receipt. The Visa International Operating Regulations refers to the
following types of Transactions:
• Account Funding Transaction
• Advance Deposit Transaction
• Aggregated Transaction
• ATM Cash Disbursement
• Buy-a-Card Transaction
• Cardholder-Activated Transaction Type A
• Cardholder-Activated Transaction Type B
• Cardholder-Activated Transaction Type C
• Cash Disbursement
• Chip-initiated Transaction
• Deferred Clearing Transaction
• Delayed Delivery Transaction
• Domestic Transaction
• Electronic Commerce Transaction
• Emergency Cash Disbursement
• Emergency Cheque Refund
• EMV PIN Transaction
• Fallback Transaction
• Installment Transaction
• In-Transit Service Transaction
• International Transaction
• Interregional Transaction
• Intraregional Transaction
• Load Transaction
• Mail/Phone Order Transaction
• Manual Cash Disbursement
• Non-Authenticated Security Transaction
• Non-Secure Transaction
• No-Show Transaction
• Online Financial Transaction
• Online Gambling Transaction
• Prepaid Card Transaction
• Priority Check-out Transaction
• Proximity Payment Transaction
• Quasi-Cash Transaction
• Recurring Transaction
• Retail Transaction
• Secure Electronic Commerce Transaction
• Single Message System Transaction
• T&E Transaction
• Telephone Service Transaction
• Wire Transfer Transaction
Transaction Certificate—A Cryptogram generated by the Chip upon completion of an approved

Transaction.
Transaction Country Transaction Region
Transaction Country—The Country where a Merchant Outlet is located, regardless of the

Cardholder’s location when a Transaction occurs. For Transactions completed aboard an
aircraft or a Cruise Line vessel, the Transaction Country is where the Merchant deposits the
Transaction Currency—The currency in which a Transaction is originally completed.
Transaction Date—The date on which a Transaction between a Cardholder and a Merchant, an

Acquirer, or a Carrier occurs.
Transaction Identifier—A unique value that Visa assigns to each Transaction and returns to the
Acquirer in the Authorization Response. Visa uses this value to maintain an audit trail
throughout the life cycle of the Transaction and all related transactions, such as Reversals,
Adjustments, confirmations, and Chargebacks.
Transaction Information—Information necessary for processing Transactions, as specified in the

Payment Card Industry Data Security Standard.
Transaction Receipt—An electronic or paper record of a Transaction (or a copy), generated at the
Point-of-Transaction. The Visa International Operating Regulations refers to the following types
of Transaction Receipts:
• Aggregated Transaction Receipt
• Cash Disbursement Transaction Receipt
• Counterfeit Transaction Receipt
• Credit Transaction Receipt
• Domestic Transaction Receipt
• Electronic Commerce Transaction Receipt
• Electronic Transaction Receipt
• Exported Transaction Receipt
• Load Transaction Receipt
• Guest Folio
• International Airline Transaction Receipt
• International Transaction Receipt
• Interregional Transaction Receipt
• Quasi-Cash Transaction Receipt
• Sales Draft
• Substitute Transaction Receipt
• T&E Document
• Transaction Record
Transaction Receipt Number—The sequential number printed on formsets.
Transaction Record—A paper record issued by, or in connection with, a Point-of-Transaction

Terminal.
Transaction Region—The Visa Region where a Merchant Outlet is located, regardless of the
Cardholder’s location when a Transaction occurs. For Transactions completed aboard an
aircraft, the Transaction Region is where the Merchant deposits the Transaction Receipt.
Unable-to-Authenticate Response V Distribution Program Cardholder
U
Unable-to-Authenticate Response—A message from a 3-D Secure Issuer in response to an
Authentication Request from a 3-D Secure Merchant indicating that the participating 3-D
Secure Issuer is unable to authenticate the Cardholder for reasons other than those that result
in an Authentication Denial.
Unattended Acceptance Terminal—A Cardholder-operated device that reads, captures, and

transmits Card information in an Unattended Environment. The Visa International Operating
Regulations refers to the following types of Unattended Acceptance Terminals:
• ATM
• Automated Fuel Dispenser
• Card Dispensing Machine
• Load Device
• Devices that perform Cardholder-Activated Transaction Type A, Cardholder-Activated
Transaction Type B, or Cardholder-Activated Transaction Type C
Unattended Environment—An environment where a Transaction is completed under all of the

• Card is present
• Cardholder is present
• Cardholder completes the Transaction directly at an Unattended Acceptance Terminal
• Authorization, if required, is obtained electronically
• Retail Transactions at Unattended Acceptance Terminals
• T&E Transactions at Unattended Acceptance Terminals
• ATM Cash Disbursements
• Buy-a-Card Transactions at Card Dispensing Machines
• Load Transactions and Unload Transactions at Load Devices
Transactions in this environment exclude Transactions completed in Face-to-Face and
Card-Absent Environments.
Unload Transaction—A Transaction where monetary value is removed from a Reloadable Card
and transferred to another account held by the same financial institution.
Unrecognized Service Code—A Service Code that cannot be recognized by a Magnetic-Stripe

Terminal or Chip-Reading Device.
V
V Distribution Program—A program through which a Member provides payment services to V
Distribution Program Distributors and V Distribution Program Cardholders by acting as a V
Distribution Program Issuer, Acquirer, or both.
V Distribution Program Card—An enhancement to a Visa Business or Visa Purchasing Card

product, targeted to retailers, for payment of goods and services from a V Distribution Program
Distributor.
V Distribution Program Cardholder—A retailer to whom an Issuer has issued a V Distribution

Program Card.
V Distribution Program Distributor Visa Activity File
V Distribution Program Distributor—A commercial entity that accepts the V Distribution Program
Card as payment for goods and services.
V Distribution Program Issuer—A Member that participates in the V Distribution Program and
whose name appears on a V Distribution Program Card as the Issuer.
V.I.P. System—VisaNet Integrated Payment System. The Online processing component of

VisaNet.
V.I.P. System User—A VisaNet Processor that connects to the V.I.P. System through a terminal
or computer device for Authorization and other services.
V.I.P. Transaction Research Service Transaction Detail Report—A V.I.P. System report that
lists data elements for Authorizations, including Card Verification Value information.
Validation Code—A unique value that Visa includes as part of the Custom Payment Service/ATM
program in each Authorization Response to ensure that key Authorization fields are preserved
in the Clearing Record.
Vehicle-Specific Fleet Card—A Visa Commercial Card with Fleet Service enhancement that is
assigned to a specific vehicle.
Verified by Visa—A Visa-approved Authentication Method based on 3–D Secure.
Verified by Visa Mark—A Mark used in conjunction with the Visa Authenticated Payment
Program. One of the Visa-Owned Marks.
Virtual Account—An account for which no Card is issued, established primarily for completing
Electronic Commerce Transactions.
Virtual Account Holder—An individual or commercial entity to whom a Virtual Account is issued
or who is authorized to use a Virtual Account.
Virtual Account Issuer—A Member that establishes a Virtual Account and enters into a
contractual relationship with a Virtual Account Holder.
VIS-Compliant—A Card application that complies with either:

• the requirements specified in the Visa Integrated Circuit Card Specifications and has been
approved by Visa Approval Services
• the requirements specified in the EMV Common Payment Application Specifications and
has been personalized to a Common Core Definition-compliant profile and approved by
EMVCo.
Visa—Visa International Service Association and all of its subsidiaries and affiliates, excluding Visa
Europe.
Visa Acquirer—A Member that signs a Visa Merchant or disburses currency or loads funds to a
Visa Cardholder in a Cash Disbursement or Load Transaction, and directly or indirectly enters
the resulting Transaction Receipt into Interchange.
Visa Activity File—A file maintained at a VisaNet Interchange Center that lists the Account
Numbers for which Stand-In Processing has generated Approval Responses during the
preceding 4-calendar-day period.
Visa ATM Visa Card
Visa ATM—An ATM that displays the Visa Brand Mark and not the Plus Symbol.
Visa Authorisation, European Customised Services—A scalable VisaNet system that delivers
Online Authorization and financial processing services to Members.
Visa Blue Color—A unique blue color designated for use and reproduction of the Visa-Owned
Marks and other printed materials.
Visa Brand Mark—A Visa-Owned Mark:

• Used to represent the Visa organization and its product and service offerings that must be
used as specified in Chapter 10, "Card and Marks Requirements" and the Visa Product
Brand Standards.
• That denotes acceptance for both:
- Payment
- Cash Disbursement
Visa Brand Mark with the Electron Identifier—A Visa-Owned Mark consisting of the Visa Brand
Mark and the name “Electron”, which must be used as specified in Chapter 10, "Card and
Marks Requirements" and the Visa Product Brand Standards.
Visa Brand Name—A Visa-Owned Mark comprising the name “Visa.”
Visa Business Card—A Visa Card targeted to the small business Market that is used to pay for
employee business travel and general expenses, and is issued as specified in Chapter 3,
"Issuer Requirements & Information," Chapter 10, "Card and Marks Requirements," and the
Visa Product Brand Standards.
Visa Business Cardholder—An employee of a small business to whom an Issuer has issued a
Visa Business Card, including sole proprietors and self-employed individuals.
Visa Business Electron Card—A Card intended for the small business market used to pay for
employee business travel and general expenses and complies with all of the following:
• Is issued with the Visa Business Card core feature requirements
• Meets the physical Card characteristics of a Visa Electron Card specified in the Visa
Product Brand Standards
• Contains the Service Code for Online Authorization
Visa Canada—Visa Canada Corporation.
Visa Card—A Card that bears either the Visa Brand Mark as specified in Chapter 10, "Card and
Marks Requirements" or the Visa Product Brand Standards, enabling a Visa Cardholder to
obtain goods, services, or cash from a Visa Merchant or an Acquirer. A Visa Card is always
one of the following:
• Visa Business Card
• Visa Classic Card
• Visa Corporate Card
• Visa Gold Card
• Visa Infinite Card
• Visa Platinum card
• Visa Premier Card
• Visa Purchasing Card
• Visa Signature Card
Visa Card Program Visa Electron Card
Visa Card Program—A program through which a Member provides product payment services to
Cardholders using Cards that bear the Visa Brand Mark.
Visa Cash Card—A Chip Card that holds monetary value and stores security keys. There are 3
types of Visa Cash Cards:
• Disposable Card
• Feature Reloadable Card
• Reloadable Card
Visa Cash Program—A program through which a financial institution provides Visa Cash Card
services to Cardholders or Merchants by acting as a Load Acquirer, Merchant Acquirer, Card
Issuer, funds source, or some combination thereof.
Visa Cash Program Participant—A financial institution that is one of the following:
• Load Acquirer
• Merchant Acquirer
• Card Issuer
• Funds source
Visa Cash Symbol—A Mark created by combining the Visa Brand Name, Comet Design, and the
word “Cash.” One of the Visa-Owned Marks.
Visa Classic Card—A general-purpose Visa Card that is issued as specified in Chapter 10, "Card
and Marks Requirements" or the Visa Product Brand Standards.
Visa Commercial Cards—A product family of Cards intended for business expense use that
comprises the:
• Visa Business Card
• Visa Business Electron Card
• Visa Corporate Card
• Visa Purchasing Card
Visa Corporate Card—A Visa Card targeted to mid-to-large size companies that is used to pay for
employee business travel and entertainment expenses, and is issued as specified in
Chapter 3, "Issuer Requirements & Information", Chapter 10, "Card and Marks Requirements"
and the Visa Product Brand Standards.
Visa Corporate Cardholder—An employee of a mid-to-large-size company to whom an Issuer has

issued a Visa Corporate Card.
Visa Distributed Processing Solution (VDPS)—See Visa Authorisation, European Customised

Services.
Visa Electron Acquirer—A Member that both:

• Signs a Visa Electron Merchant or disburses currency to a Cardholder using a Visa
Electron Card in a Manual Cash Disbursement
• Directly or indirectly enters the resulting Transaction Receipt into Interchange
Visa Electron Card—A Card that bears the Visa Brand Mark with the Electron Identifier and is
issued as specified in Chapter 3, "Issuer Requirements & Information," Chapter 10, "Card and
Marks Requirements," or the Visa Product Brand Standards.
Visa Electron Card Program Visa Gold Color
Visa Electron Card Program—A program through which a Member provides product payment
services to Visa Electron Cardholders.
Visa Electron Issuer—A Member that issues Visa Electron Cards.
Visa Electron Merchant—A Merchant that:

• Displays the Visa Electron Symbol or Visa Brand Mark with the Electron Identifier
• Has a Zero Floor Limit or has a terminal capable of reading and acting upon the Service
Code in the Magnetic Stripe, or instructions for an Online Authorization Request from a
Chip
Visa Electron Payment Application—A software application contained within a Chip or payment
data encoded on a Magnetic Stripe that defines the parameters for processing a Visa Electron
Transaction and meets the minimum requirements for the Visa Electron Program.
Visa Electron Program—A program through which a Member provides payment services to Visa
Electron Merchants and Visa Electron Cardholders by acting as a Visa Electron Issuer, Visa
Electron Acquirer, or both.
Visa Electron Program Marks—The Marks used in connection with the Visa Electron Program.
Visa Electron Symbol—A Mark consisting of the Visa Logotype, Comet Design, and name
“Electron.” One of the Visa-Owned Marks.
Visa Electron Transaction—A Transaction completed with a Visa Electron Card at an ATM or
Visa Electron Merchant.
Visa Electron Wordmark—A Mark consisting of the Visa Brand Name and the name “Electron.”
One of the Visa-Owned Marks.
Visa Electronic Certificate Service—A Visa service that issues Digital Certificates.
Visa Europe—Visa Europe Limited.
Visa Extended Access—Visa equipment and software that a Member uses to access Visa
processing services.
Visa Global ATM Network—The network through which an ATM participant provides Cash
Disbursement services to Cardholders by acting as an Issuer, an ATM Acquirer, or both.
Visa Global ATM Program—A program where an ATM participant provides Cash Disbursement
services to Cardholders by acting as an Issuer, an ATM Acquirer, or both.
Visa Gold Card—A premium Visa Card that both:

• Offers core and optional services as specified in Volume I—General Rules
• Is issued as specified in Chapter 3, "Issuer Requirements & Information," Chapter 10,
"Card and Marks Requirements," or the Visa Product Brand Standards
(Regional variations may be found in the applicable Regional Operating Regulations.)
Visa Gold Color—A unique gold color designated for use and reproduction of the Visa-Owned
Marks and other printed materials.
Visa Hotel and Cruise Line Services Visa Mini Card
Visa Hotel and Cruise Line Services—Services that a Hotel or Cruise Line may provide to
Cardholders, including:
• Advance Deposit Service
• Hotel Reservation Service
• Priority Check-out Service
• Cash Disbursement
Visa Inc.—A Delaware stock corporation.
Visa Infinite Card—A Product Name for a Visa Card that has attributes exceeding those of a Visa
Gold Card and Visa Platinum.
Visa Infinite Exclusive Privileges—A Merchant-partner program with exclusive offers for Visa
Infinite Cardholders.
Visa Information Management—Optional services provided by Visa to Members and clients of

Members to enhance reporting and data gathering.
Visa Integrated Billing Statement—A monthly report provided by Visa that details charges
assessed to Members. Items appearing on this report are collected using the Fee Collection
Transaction reason code 5010 (“Visa Integrated Billing Statement”).
Visa Interchange Directory Update Form—A form containing contact information on Members
and VisaNet Processors that Visa compiles and sends to all Members and VisaNet Processors
in the form of a directory. See Instructions for Visa Interchange Directory Update Form,
(Exhibit 4F).
Visa Interlink Program Marks—The Marks used in connection with the Visa Interlink Program,
including the Comet Design, Visa Interlink Symbol, and Visa Interlink Wordmark.
Visa International Service Center—A 24-hour-a-day, 7-day-a-week center that Visa maintains as
part of the Global Customer Assistance Services program, where a Cardholder can obtain
both:
• Information and certain types of emergency assistance while traveling
• Emergency Cash Disbursements and Emergency Replacement Cards
Visa Internet Domain Name—A Visa-Owned Mark used to represent the Visa organization on the
Internet or other networks.
Visa Issuer—A Member that issues Visa Cards.
Visa Meetings Card—Effective 15 April 2008, a Visa Card issued to commercial entities in the
public and private sector for commercial purchases associated with business meetings and
events, as specified in Volume I—General Rules, Chapter 3, "Issuer Requirements &
Information", and the Visa Product Brand Standards.
Visa Merchant—A Merchant that displays the Visa Brand Mark and accepts all Visa Cards.
Visa Mini Card—A miniaturized version of a Visa Card or Visa Electron Card that must:
• Provide the designated level of utility promised to the Cardholder
• Contain the physical elements and data components required to complete a Transaction
Visa-Owned Marks Visa Risk Manager
Visa-Owned Marks—All Marks owned by Visa, including but not limited to, those specified in
Chapter 10, "Card and Marks Requirements" or the Visa Product Brand Standards.
Visa-Owned Payment Products—Visa Cards, Visa Electron Cards, and Cheques.
Visa Payment Application—A software application contained within a Chip or payment data
encoded on a Magnetic Stripe that defines the parameters for processing a Visa Transaction
and meets the minimum requirements of the Visa Program.
Visa Payment Gateway Service—A Visa service that provides Authorization and Clearing of
Secure Electronic Transaction Specification-compliant Transactions.
Visa Platinum—A Product Name for a Visa Card product that has attributes equal to or exceeding
those of a Visa Gold Card.
Visa/Plus ATM—An ATM that:

• Displays the Visa Brand Mark and the Plus Symbol
• May also display the Visa Brand Mark with the Electron Identifier
Visa/Plus International ATM Program—See Visa Global ATM Program.
Visa Premier Card—A premium Visa Card that both:

• Offers core and optional services as specified in Volume I—General Rules
• Is issued as specified in the Visa Product Brand Standards
(Regional variations may be found in the applicable Regional Operating Regulations.)
Visa Program—A program through which a Member provides payment services to Visa
Cardholders or Merchants by acting as an Issuer, an Acquirer, or both.
Visa Program Marks—The Marks used in connection with the Visa Program.
Visa Purchasing Card—A Visa Card issued to commercial entities (public and private) that is used
for commercial purchases and is issued as specified in Chapter 3, "Issuer Requirements &
Information" and the Visa Product Brand Standards.
Visa Purchasing Cardholder—An employee of a public or private commercial entity to whom an

Issuer has issued a Visa Purchasing Card.
Visa Region—A national or multinational geographic area under the jurisdiction of a Regional
Office, as specified in the Visa International By-Laws.There are 5 Visa Regions:
• Asia-Pacific Region
• Canada Region
• CEMEA (Central and Eastern Europe, Middle East and Africa) Region
• Latin America and Caribbean Region
• U.S.A. (United States of America) Region
Visa Canada and Visa U.S.A. are under the jurisdiction of a Regional Board.
Visa Risk Manager—Effective 16 May 2008, a suite of risk management products designed to
help Issuers optimize loss prevention and maximize profitability through intelligent
risk-management decisioning.
Visa Secure Electronic Commerce VisaNet Documentation Automation Service
Visa Secure Electronic Commerce—A payment service that provides payment information
security over the Internet and other networks for Cardholders using a Card and Cardholder
Access Device to conduct an Electronic Commerce Transaction.
Visa Settlement Bank—A bank where Visa maintains its Settlement accounts and performs funds
transfer for Settlement.
Visa Signature Card—A Product Name for a Visa Card that has attributes exceeding those of a
Visa Gold Card and Visa Platinum.
Visa Smart Payment—EMV-Compliant and VIS-Compliant Chip-based applications that provide

payment service options and controls to Issuers of Chip Cards bearing the Visa Brand Mark or
the Visa Brand Mark with the Electron Identifier that are not available using Magnetic-Stripe
technology.
Visa Travelers Cheque Program—A program through which a Member issues Cheques.
Visa TravelMoney Card—A card that may be purchased and used worldwide to obtain local
currency at Visa/Plus ATM Acquirer locations or used at the Point-of-Transaction, if a
Visa-owned Mark appears on the card.
Visa TravelMoney Program—A program through which a Visa TravelMoney participant provides
ATM Cash Disbursement or Point-of-Transaction (if a Visa-owned Mark appears on the card)
services to Visa TravelMoney Cardholders by acting as an Issuer, an Acquirer, or both.
Visa U.S.A.—Visa U.S.A. Inc.
Visa Wordmark—See Visa Brand Name.
VisaNet—The systems and services, including the V.I.P. System, Visa Authorisation, European
Customised Services, and BASE II, through which Visa delivers Online Financial Processing,
Authorization, Clearing, and Settlement services to Members.
VisaNet Authorization Message Format—A V.I.P. System message format that uses the Visa
version of the International Organization for Standardization bit map standard for bank card
messages.
VisaNet Copy Request and Fulfillment Service—An automated process for transmitting Copy
Requests and Fulfillments and monitoring the integrity and quality of the service through either
the:
• Copy Request Manager
• Facsimile Access System
VisaNet Copy Request and Fulfillment Service Fees—Service-related fees that include, but are
not limited to:
• Transaction fees
• Fulfillment incentive fees
• Mediation Service fees
• Monthly access fees
VisaNet Documentation Automation Service—A Visa service that provides an automated

process for transmitting Chargeback and Representment supporting documentation between
participating Members.
VisaNet Interchange Center Zero Floor Limit
VisaNet Interchange Center—A Visa Inc or a Visa Europe facility that operates the VisaNet data
processing systems and support networks.
VisaNet Processor—A Member or non-Member that is directly connected to VisaNet and provides
Authorization, Clearing, Settlement, or payment-related processing services for Merchants or
Members. The Visa International Operating Regulations also refer to a V.I.P. System User as
a type of VisaNet Processor.
VisaNet Settlement Service—A service that allows Members to consolidate the Settlement
functions of the Single Message System and BASE II into one centralized function and benefit
from flexible reporting options, as specified in the VisaNet Settlement Services (VSS) User’s
Guide, Volumes 1 and 2.
Voice Authorization—An Approval Response obtained through interactive communication

between an Issuer and an Acquirer, their VisaNet Processors, or the International Automated
Referral Service, through telephone, facsimile, or telex communications.
W
Web—See World Wide Web.
Website—One or more Internet addresses at which an individual or organization provides

information to others, often including links to other locations where related information may be
found.
Wire Transfer Merchant—A Merchant that sells money orders by electronic funds transfer.
Wire Transfer Transaction—A Transaction representing the sale of a check or money order for
transfer to a payee (who may or may not be the Cardholder) by electronic funds transfer.
Wordmark—A Mark consisting entirely of a word.
World Wide Web—A part of the Internet designed to allow easier navigation of the network through
the use of graphical user interfaces and hypertext links between different addresses. Also
referred to as the Web.
X, Y, Z
Zero Floor Limit—A Floor Limit with a currency amount of zero (i.e., Authorization is required for
all Transactions).

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Visa International Operating Regulations v2

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Visa International

Volume II — Dispute Resolution Rules

Purpose of this Manual

© 2008 Visa. All Rights Reserved.

Chapter 4: Interchange Reimbursement Fee Compliance,

4.3.B Interchange Reimbursement Fee Pre-Compliance 215

Appendix B—Merchant Data Standards

1.2 MUTUAL ASSISTANCE

• Its Cardholder and another Member’s Merchant

• Its Merchant and another Member’s Cardholder

1.3 TRANSACTION RECEIPT RETRIEVAL

1.3.A Request for Transaction Receipt Copy

Request Reason for Copy BASE II

Request for copy bearing signature1 28

T&E Document request 29

Cardholder request due to dispute 30

Cardholder does not recognize Transaction 32

Fraud analysis request 33

Legal process request 34

1. Not applicable to a Vehicle-Specific Fleet Card Transaction.

Message Reason Code (Field 63.3) in Single

Request for copy bearing signature1 0028

T&E Document request 0029

Cardholder request due to dispute 0030

Cardholder does not recognize Transaction 0032

Fraud analysis request 0033

Legal process request 0034

1. Not applicable to a Vehicle-Specific Fleet Card Transaction.

1.3.B Transaction Receipt Retention

Table 1-3: Transaction Receipt Retention Periods

Document Retention Period

Original Transaction Receipt According to applicable law. Original may then be

Transaction Receipt copy or 12 months from Processing Date

T&E Document 180 calendar days from Processing Date

Recurring Transaction Receipt 12 months from Processing Date of latest

1.3.C Transaction Receipt Request and Fulfillment Data

1.3.C.2 Transaction Fulfillment Document Requirements—Small Ticket Transaction,

1.3.C.3 Transaction Receipt Fulfillment Documents—Data Requirements

Table 1-4: Transaction Receipt Fulfillment Documents—Unattended Acceptance Terminals

Copy Not applicable Copy Copy

Requested Document None Transaction log Transaction log

Required Data on Document

Evidence of electronic Card Imprint U

Copy Copy Copy Copy

Requested Document Cardholder written Substitute Transaction Substitute Transaction

Required Data on Document

Transaction Currency Not applicable Not applicable U

Authorization Code If any If any U

Cardholder Signature U1 Not applicable Not applicable

Merchant Location U U Online address

Description Merchandise or Merchandise or Merchandise or

Itemized Charges U Not applicable Not applicable

Table 1-6: Transaction Receipt Fulfillment Documents—T&E Transactions

Document Type Transaction Type

Car Rental Airline Hotel Cruise Line

Copy Copy Copy Copy Copy

Substitute Transaction Receipt U U U U

Required Data on Document

Cardholder Name U If applicable U U

Passenger or Guest Name, if U U U

Address where tickets were sent If available and

Rental and Return Dates U

Transaction Code If any