Visa Europe Operating Regulations Volume II - Dispute Resolution Rules, May 2013

Visa Europe Operating Regulations
Volume II - Dispute Resolution Rules

15 May 2013
Summary of Changes
This Summary of Changes shows additions and revisions to the Visa Europe Operating Regulations
approved by the Visa Europe Board or Visa Europe Executive Management Committee. Unless
otherwise specified, these changes will come into effect on 15 May 2013.
BIN Licensing and Management

Background
A number of BIN rules relating to the responsibilities of sponsoring Members, single Member use,
licensing and BIN release have been further clarified. In addition, the Account Number for Life program
has been retired.
Regulation Changes
The following sections in the Visa Europe Operating Regulations, Volume IGeneral Rules have been
changed:
Section 1.8.B.1, Section 1.8.C.2;
Section 3.1.D.2, Section 3.4.C, Section 3.4.D, Section 3.9; and
Exhibits - Exhibit 4A, Exhibit 4E.
Cash Disbursement Fees

Background
Effective from 20 April 2013, the Cash Disbursement Fees for International Transactions at ATMs
have been updated. New fees apply to Transactions between Visa Europe and Visa Inc. (LAC), Brazil
only, where no surcharge or fee has been added to the Transaction Amount.
Regulation Changes
The following section in the Visa Europe Operating Regulations, Volume IGeneral Rules has been
changed:
Table 8-18.
Supersedes Member Letter
VE 12/13
15 May 2013
VISA EUROPE CONFIDENTIAL INFORMATION - Member Use Only

Summary of Changes
Compelling Evidence
Background
Effective for Representments processed on or after 20 April 2013, Compelling Evidence has been
defined and extended to further reason codes.
Regulation Changes
changed:
Section 7.5.A.1, Section 7.6.B; and
Appendix D, "Defined Terms".

The following sections in the Visa Europe Operating Regulations, Volume IIDispute Resolution Rules have
been changed:
Section 1.5.A.1;
Section 2.1.B;
Reason Code 30 Services Not Provided or Merchandise Not Received;
Reason Code 53 Not as Described or Defective Merchandise;
Reason Code 81 FraudCard-Present Environment; and
Reason Code 83 FraudCard-Absent Environment.

VE 19/13
Cross Border Fraud Acquirer and Issuer Monitoring Programs

Background
The following changes have been made to the programs:
Program reporting will be at BID level.
The programs will consist of two elements: intra-territory and inter-territory. Global cross
border fraud to sales measures have been replaced with intra-territory and inter-territory
measures.
Regulation Changes
changed:
Section 1.6.D.25; and
Section 2.6.
VE 69/12
Data Protection Clarifications

Background
The Data Protection provisions have been clarified.
Regulation Changes
changed:
Section 1.16; and
Section 3.1.B.
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15 May 2013
Summary of Changes
Electronically Delivered Transaction Receipts

Background
Effective from 1 January 2013, a Merchant may provide a Cardholder with a copy of a Transaction
Receipt by electronic means, including but not limited to an e-mail or an SMS (Short Message Service)
text message, which may contain either the full required receipt data or a URL to a website which
contains the full required receipt data.
Regulation Changes
changed:
Section 5.3.E; and
Appendix A, "Exhibits", Exhibit 7I and Exhibit 7J.

The following section in the Visa Europe Operating Regulations, Volume IGeneral Rules has been added:
Section 5.2.A.5.
VE 01/13
Excessive Authorizations
Background
New regulations have been introduced to address cases where an excessive number of Authorization
Requests have been processed by the Acquirer from the Merchant.
Regulation Changes
Section 4.9.B.11.
VE 18/13
Instalment Transactions
Background
Effective on or after 18 June 2013, regulations for Instalment Transactions across Visa Europe have
been clarified, detailing:
Instalment Transaction terms and conditions;
Instalment Transaction guidelines; and
Merchant authorisation guidelines.

Regulation Changes
Section 5.4.L.
VE 15/13
15 May 2013

iii
Summary of Changes
Membership Rules
Background
Regulations relating to membership rules have been clarified, in particular:
Clarification of the responsibilities of sponsoring Members in relation to the completion of all

Visa Europe membership documentation, and to keep Visa Europe informed of changes within
the organisations of the Member(s) they sponsor; and
Confirmation that the initial service fees are non-refundable and required up front at the time
of application.
Regulation Changes
changed:
Section 1.9.
National Net Settlement Service Mandate

Background
Effective from 19 April 2013, Acquirers and Issuers that meet certain qualification criteria must
participate in the National Net Settlement service.
The Euro Area Net Settlement service regulations have been clarified.
Regulation Changes
changed:
Section 6.2.E.4, Section 6.2.E.5; and

Supersedes Member Letters
EU 44/03
VE 63/12
PIN Management Requirements Documents

Background
Effective from 1 July 2012, the PIN Management Manuals were superseded by the PIN Management
Requirements Documents and all references have been updated.
Regulation Changes
changed:
Section 1.1.C.2.d, Section 1.5.A;
Section 2.1.F; and
Section 3.1.G.2.
VE 33/12
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15 May 2013
Summary of Changes
Point-of-Transaction Terminals
Background
Regulations have been added for Point-of-Transaction Terminals that consist of a hardware accessory
and any portable device owned or operated by the Merchant.
Regulation Changes
changed:
Section 4.8.A.1, Section 4.8.A.2 and Section 4.8.A.3.

VE 48/12
Processing Transactions through VEAS and VECSS

Background
Regulations for mandating the use of the Visa Europe Authorization Service (VEAS) and the Visa
Europe Clearing and Settlement Service (VECSS) have been added. The following are exempt from this
mandate:
Acquirers outside of the Territory participating in the International Airline Program are exempt
from these Transactions; and
Acquirers using an airline authorising processor to acquire Transactions originating at either

an Airline or an International Airline that is located outside of the Territory.
Regulation Changes
changed:
Section 6.1.A and Section 6.1.B.
Proximity Payment Devices

Background
Regulations for Proximity Payment Devices have been updated.
Regulation Changes
changed:
Section 3.3.F.3.
Quarterly Operating Certificates

Background
The method of calculating the exchange rates that are used to derive cardholder expenditure volumes
and fees for quarterly operating certificates has changed.
Effective from 1 January 2013, the new method uses the rates from Eurostat taking their average rates
for the relevant quarter.
15 May 2013

Summary of Changes
Regulation Changes
changed:
Section 1.13.B.
VE 02/13
Reason Code 41 Cancelled Recurring Transaction - Changes to Chargeback

Conditions for Recurring and Instalment Transactions
Background
Effective for Chargebacks initiated on or after a Processing Date of 20 April 2013, for Visa Europe
Transactions, a new condition 5 has been added to Reason Code 41 detailing Chargeback rights for
Instalment Transactions.
Regulation Changes
changed:
Table 7-12.
been changed:
Table 1-12; and
Reason Code 41 Cancelled Recurring Transaction.
Transaction Identifier Processing

Background
Effective from 20 April 2013, to enable related Transaction events to be matched, Members and
Processors must receive the Transaction Identifier in the Authorization Request or Authorization
Response message.
Effective from 1 October 2013, Members and Processors must include the Transaction Identifier in all
related Transactions. A validation code will be used by Visa Europe to provide assurance that the
Transaction Identifier is correctly populated.
Regulation Changes
changed:
Section 6.2.A; and

VE 46/12
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15 May 2013
Summary of Changes
Visa Drive
Background
Requirements for the new Visa Drive Card Program have been added.
Regulation Changes
changed:
Section 1.1.C.2.c;
Section 3.3.A.4.a, Section 3.3.A.4.c, Section 3.6.A.4.b, Section 3.6.A.15.d, Section 3.6.B;
Section 4.10.A.8, Section 4.16.E;
Section 5.4.N.4, Section 5.4.V.1;
Section 7.4.G.1.b;
Section 10.2.B.7, Section 10.3.P; and

been changed:
Section 1.4.G.1.a; and
Reason Code 72 No Authorization.
Visa Gold Cards issued on Prepaid Accounts

Background
Regulations for Visa Gold Cards issued on Prepaid Accounts have been clarified as follows:
The Global Customer Assistance Service (GCAS) must be provided as a minimum product
feature; and
Emergency Cash Disbursement is not applicable where full Cardholder due diligence, such as
Know Your Customer (KYC), has not been completed to the Issuers satisfaction.
Regulation Changes
changed:
Section 3.4.A.2 and Section 3.14.C.
Visa Multichoice Cards

Background
Regulations for Visa Multichoice Cards have been added. A Visa Multichoice Card is a multiapplication Card.
Regulation Changes
changed:
Section 3.7;
Section 10.5.B.2; and
15 May 2013

vii
Summary of Changes
Visa Personal Payments - Cardholder Statements

Background
Effective from 13 April 2013, a clear narrative must be used on Cardholder statements to show the
receipt of a Visa Personal Payments Transfer. Visa Personal Payments Transfers must not be labelled
as a refund on Cardholder statements.
Regulation Changes
changed:
Section 3.10.B.1.d.
VE 71/12
Visa Personal Payments - Immediate Payments

Background
Immediate Payments have been introduced in a limited number of markets within the Territory.
Recipient Members in these markets are required to make the funds transferred by the Immediate
Payment available to the Cardholder within 30 minutes of sending an Approval Response to the Service
Provider Member.
Regulation Changes
changed:
Section 3.10.B;
Section 6.5.C.12, Section 6.5.D.4, Section 6.5.D.5; and

UK 12/12
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15 May 2013
About the Visa Europe Operating

Regulations
This section describes the purpose and function of the Visa Europe Operating Regulations. It provides an
overview of the structure and contents of this volume and its companion volumes, lists related
publications referenced in the Visa Europe Operating Regulations and explains the document's stylistic
conventions.
A Member must comply with the rules set out in the Visa Europe Operating Regulations unless a variance
in respect of a rule has been granted by Visa Europe:
For any particular country in the Territory and is set out in the Visa Europe operating
regulations for that country, where applicable (see Visa Europe Operating Regulations,
Volume IGeneral Rules, Section 1.1.B.1); or
Specifically to that Member pursuant to Visa Europe Operating Regulations, Volume IGeneral
Rules, Section 1.1.D.1, in which case, the Member is required to comply with the variance to the
rule rather than the rule set out in the Visa Europe Operating Regulations.
Overview
The Visa Europe Operating Regulations has two separate volumes, as follows:
Visa Europe Operating Regulations, Volume IGeneral Rules: Specifies standards that all
Members must meet to operate and participate in Visa Card Programs and/or to issue Visa
Card Products.
Visa Europe Operating Regulations, Volume IIDispute Resolution Rules: Governs the dispute
resolution processes available to the Member. These processes include Retrieval Requests,
Chargebacks, Representments, Arbitration and Compliance. The general requirements for
dispute resolution are also repeated in the Chapter 7, "Dispute Resolution" of Visa Europe
Operating Regulations, Volume IGeneral Rules.
Each volume is updated twice a year, when the Visa Europe Board or Visa Europe Executive
Management Committee approve revisions to the Visa Europe Operating Regulations. Unless an
effective date is specified in the text for a change to the Visa Europe Operating Regulations, all changes
are effective on the volume's publication date (shown on the front cover).
Each volume includes:
Table of Contents at the beginning of each volume and chapter; and
A form that Members may use, located at the end of each volume, to forward comments or
questions to Visa Europe about the Visa Europe Operating Regulations.
15 May 2013

ix
About the Visa Europe Operating Regulations
Volume IGeneral Rules

Chapter 1, "General Rules": Specifies requirements that all Members must follow, including licence,
penalty and indemnification provisions.
Chapter 2, "Risk Management": Specifies general security requirements and the rights and
responsibilities of Members in relation to risk management and security.
Chapter 3, "Issuer Requirements": Specifies requirements for Issuer participation in Visa Card Products
and/or Visa Card Programs.
Chapter 4, "Acquirer Requirements": Specifies requirements for Acquirers with respect to AcquirerMerchant contracts, Transaction Receipts, Point-of Transaction Terminals, Authorization, Clearing,
Settlement, Cash Disbursements, ATM, Electronic Commerce Transactions and Interchange
Reimbursement Fees.
Chapter 5, "Payment Acceptance": Specifies requirements for Merchants, including acceptance
requirements and procedures, Transaction Receipt completion and Transaction Receipt processing.
Chapter 6, "Payment Services": Specifies the requirements for payment processing, including
Authorization, Clearing and Settlement.
Chapter 7, "Dispute Resolution": Governs the Retrieval Request process and dispute resolution process
in relation to Chargebacks, Representments, Arbitration and Compliance. Detailed descriptions and
conditions of the Chargeback and Representment process are specified in the Visa Europe Operating
Regulations, Volume IIDispute Resolution Rules.
Chapter 8, "Fees": Specifies the fees applicable to Members.
Chapter 9, Reserved for future use.
Chapter 10, "Card and Marks Requirements": Specifies Member requirements for reproduction of the
Licensed Marks and Member responsibilities for the production of Cards.
Appendix A, Exhibits: Groups exhibits by topic for easy reference.
Appendix B, Merchant Data Standards: Lists the Merchant Category Codes and the associated Floor
Limits for those Merchant Category Codes.
Appendix C, Maximum Authorized Floor Limits: Lists the Floor Limits according to country.
Appendix D, Defined Terms: Lists terms used throughout the Visa Europe Operating Regulations that are
capitalised and have a meaning beyond, or in lieu of, their dictionary meaning.
Index
Card Acceptance Complaint Form
Consumer Dispute Complaint Form
Visa Europe Publications Order Form
Visa Europe Operating Regulations Comment Form
Volume IIDispute Resolution Rules

Chapter 1, "Dispute Resolution": Governs the Transaction Receipt retrieval process, as well as a
Members attempt to resolve disputes and the processes available to the Member if its resolution
efforts are unsuccessful. This chapter includes detailed Chargeback and Representment processes for
each reason code.
Chapter 2, "Arbitration": Allows Visa Europe, for Visa Europe Transactions, and Visa Inc., for
International Transactions, to assign liability for a disputed Chargeback or Representment. This
chapter specifies the allowable reasons and procedures for Arbitration.

15 May 2013
Chapter 3, "Compliance": Allows a Member that has no Chargeback or Representment right to file a
written appeal against another Member for a violation of the Visa Europe Operating Regulations. This
chapter specifies the allowable reasons and procedures for Compliance.
Appendix A, Exhibits: Groups exhibits by topic for ease of reference.
Appendix B, Merchant Data Standards: Lists the Merchant Category Codes and the associated Floor
Limits for those Merchant Category Codes.
Appendix C, Maximum Authorized Floor Limits: Lists the Floor Limits by country.
Appendix D, Defined Terms: Lists terms used throughout the Visa Europe Operating Regulations that are
capitalised and have a meaning beyond, or in lieu of, their dictionary meaning.
Index
Conventions
Grammar and Usage
The following conventions apply to grammar and usage throughout the Visa Europe Operating
Regulations:
Effective dates are inclusive. For example, Effective until 31 December 2012 means effective
until and including 23:59 on 31 December 2012 and Effective from 1 January 2013 means
effective from 00:00 on 1 January 2013. Typically, effective dates older than two years are
deleted. For Dispute Resolution Rules, effective dates older than one year are deleted;
The singular imports the plural, and the plural imports the singular.
For example: A Merchant must..., implies that All Merchants must...; and
The masculine imports the feminine, and the feminine imports the masculine.
For example: A Cardholder may present his Card..., implies that any Cardholder, regardless
of gender, may present a Card.
Symbols and Style
In the Visa Europe Operating Regulations, special symbols and conventions are used as follows:
Words that appear with initial capitalisation have a special meaning beyond, or in lieu of, their
dictionary meaning. These terms are specified in Appendix D, Defined Terms;
Words that appear with initial capitalisation and are not defined in Appendix D, Defined Terms
or are not written in italics, are programs, please see below for the list of programs referred to
in the Visa Europe Operating Regulations;
Bold type is used for visual emphasis;
A vertical line (change bar) located on the outer margin, indicates a change to the Visa Europe
Operating Regulations since the last edition;
Revisions to grammar, punctuation and rephrasing are not indicated by change bars; and
References to other publications and sections within the document are in italics.
15 May 2013

xi
Other Publications
The Visa Europe Operating Regulations refers to other regulatory publications. Information in these
publications is considered an extension of the Visa Europe Operating Regulations and applies if a
Member participates in its respective services. The Visa Europe Operating Regulations governs in the
event of any inconsistency or contradiction.
The list of publications referenced in the Visa Europe Operating Regulations is set out in the Visa Europe
Operating Regulations, Volume IGeneral Rules, Section 1.1.C.2.
In the event of any inconsistency between a provision set out in one of the publications listed in
Section 1.1.C.2 and a rule set out in the Visa Europe Operating Regulations, or the Visa Europe operating
regulations for a specific country, the Visa Europe Operating Regulations and the Visa Europe operating
regulations for that country shall prevail, unless a variance to that rule has been specifically granted by
Visa Europe to a Member, in which case, the Member is required to comply with the variance to the
rule rather than the rule set out in the Visa Europe Operating Regulations or the Visa Europe operating
regulations for that country.
Programs
The following programs are referred to in the Visa Europe Operating Regulations:
3-D Secure Vendor Compliance Testing Program;
Account Information Security Program;
Acquirer Monitoring Program;
Acquirer Performance Metric Program;
Chip and PIN Disputes Compliance Program;
Chip Interoperability Compliance Program;
Cross-Border Acquiring Program;
Cross-Border Acquirer Monitoring Program;
Cross-Border Fraud Acquirer Monitoring Program;
Cross-Border Fraud Issuer Monitoring Program;
Cross-Border Issuing Program;
Cross-Border Issuer Monitoring Program;
Custom Payment Service/ATM Program;
Data Quality Improvement Compliance Program;
Dynamic Currency Conversion Program;
Electronic Commerce Acquiring Program;
Electronic Commerce Indicator Value 6 (ECI 6) Decline Compliance Program;
Electronic Commerce Merchant Monitoring Program;
Global Brand Protection Program;
Global Compromised Account Recovery;
Global Fraud Information Service;
Global Merchant Chargeback Monitoring Program;
High Total Fraud Loss Monitoring Program;
International Airline Program;
Key Entry Reduction Program;
Merchant Fraud Performance Program;
Online Gambling Credit Compliance Program;
Online Gambling Transaction Audit Program;
Online Merchant Credit Compliance Program;
Plus Program;
Proximity Payment Program;
Recurring Transaction Compliance Program;
Target Merchant Migration Program;
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15 May 2013
Transitional Incentive for Terminalization Program;

Travelers Cheque Program;
V Distribution Program;
Verified by Visa Program;
Visa Anti-Money Laundering Program;
Visa Card Programs;
Visa Electron Card Program;
Visa Electronic Commerce Acquiring Program;
Visa Europe Issuer Fraud Monitoring Program;
Visa Global ATM Program;
Visa Global Performance Enhancement Program;
Visa Multinational Program; and
Visa Smart Payment Program.
These programs are capitalised in the document and are not defined. Please contact Visa Europe for
more information on these programs.
15 May 2013

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Table of Contents
SUMMARY OF CHANGES
ABOUT THE VISA EUROPE OPERATING REGULATIONS
1. DISPUTE RESOLUTION
1.1
INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 5
1.2
MUTUAL ASSISTANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 5
1.3
TRANSACTION RECEIPT RETRIEVAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 5

Request for Transaction Receipt Copy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 5
Transaction Receipt Retention . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 6
Transaction Receipt Request and Fulfilment Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 6
Fulfilment Document Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 6
Substitute Transaction Receipt Fulfilment DocumentsData Requirements . . . . . . 1 - 8
Electronic Documentation Transfer Method . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 10
Acquirer Responsibilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 10
Issuer Rights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 11
Retrieval Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 11
Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 11
Fee Recovery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 11
1.4
CHARGEBACKS AND REPRESENTMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 11

Chargeback and Representment Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 11
Chargeback Limitations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12
Chargeback Process for Small Ticket Transactions and Visa Easy Payment Service
Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12
Chargeback and Representment Transmission . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12
Clearing and Settlement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12
Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12
15 May 2013

xvii
Table of Contents
Chargeback Reduction Service . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 12

Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 12
Return of Presentment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 12
Return of Chargeback . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 13
Chargeback . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 13
Attempt to Settle . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 13
Chargeback Dispute Groups and Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 13
Reasons and Time Limits for Specific Transaction Types . . . . . . . . . . . . . . . . . . . . . . . 1 - 23
Chargeback Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 30
Transaction Chargeback Method . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 30
Processing Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 31
Chargeback Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 31
Chargeback Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 31
Currency Conversion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 31
1.5
REPRESENTMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 32
Representment Reasons, Conditions, and Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 32
Representment Documentation Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 32
Representment Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 34
Currency Conversion Difference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 34
1.6
DISPUTE GROUP 1REQUEST FOR INFORMATION . . . . . . . . . . . . . . . . . . . . .1 - 35

Reason Code 60 Illegible Fulfilment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 36
Reason Code 75 Transaction not recognised . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 38
1.7
DISPUTE GROUP 2FRAUD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 45

Reason Code 57 Fraudulent Multiple Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 46
Reason Code 62 Counterfeit Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 49
Reason Code 81 FraudCard-Present Environment . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 57
Reason Code 83 FraudCard-Absent Environment . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 69
Reason Code 93 Merchant Fraud Performance Program . . . . . . . . . . . . . . . . . . . . . . . 1 - 78
1.8
DISPUTE GROUP 3AUTHORIZATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 81

Reason Code 70 Card Recovery Bulletin or Exception File . . . . . . . . . . . . . . . . . . . . . 1 - 82
Reason Code 71 Declined Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 87
Reason Code 72 No Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 94
Reason Code 73 Expired Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 101
Reason Code 78 Service Code Violation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 104
1.9
DISPUTE GROUP 4PROCESSING ERROR . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 107

Reason Code 74 Late Presentment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 109
Reason Code 76 Incorrect Currency or Transaction Code or
Domestic Transaction Processing Violation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 113
Reason Code 77 Non-Matching Account Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 121
Reason Code 80 Incorrect Transaction Amount or Account Number . . . . . . . . . . 1 - 124
Reason Code 82 Duplicate Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 130
Reason Code 86 Paid by Other Means . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 135
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1.10
DISPUTE GROUP 5CANCELLED/RETURNED . . . . . . . . . . . . . . . . . . . . . . . . .1 - 139

Reason Code 41 Cancelled Recurring Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 140
Reason Code 53 Not as Described or Defective Merchandise . . . . . . . . . . . . . . . . . 1 - 149
Reason Code 85 Credit Not Processed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 156
1.11
DISPUTE GROUP 6NON-RECEIPT GOODS/SERVICES . . . . . . . . . . . . . . . . 1 - 169

Reason Code 30 Services Not Provided or Merchandise Not Received . . . . . . . . . 1 - 170
Reason Code 90 Non-Receipt of Cash or Load Transaction Value at ATM or
Load Device . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 175
2. ARBITRATION
2.1
ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3
Reason . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3
Pre-Arbitration Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3
Pre-Arbitration Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3
Pre-Arbitration Response . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3
Pre-Arbitration Acceptance or Rebuttal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 4
Arbitration Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 4
Filing Reasons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 4
Filing Procedures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 4
Invalid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 5
Valid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 5
Financial Liability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 6
Review Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 6
Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 6
Appeal Rights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 7
Appeal Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 7
Finality of Decision on Appeal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 7
Exceptions to the Arbitration Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 7
3. COMPLIANCE
3.1
COMPLIANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
3.2
FILING CONDITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
3.3
PRE-COMPLIANCE CONDITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
Pre-Compliance Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
Data Compromise Recovery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
Pre-Compliance Acceptance or Rebuttal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
Pre-Compliance Acceptance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
Pre-Compliance Rebuttal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
Pre-Compliance Response . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4
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3.4
COMPLIANCE PROCESS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4
Filing Reasons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4
Chargeback Reduction Service Return . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4
Hotel Reservation Service or Specialized Vehicle Reservation Service Transaction . 3 - 4
Unauthorized Signature . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 5
Split Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 5
Copy Fulfilment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 6
Delayed or Amended Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 6
Non-Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 6
Electronic Commerce Transaction (Attempts Authentication) . . . . . . . . . . . . . . . . . . 3 - 6
Account Generated Counterfeit Fraud . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 7
Liability Shift For Electronic Commerce Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 7
Compliance Process for Transactions Using 3D Secure . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 7
Filing Procedures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 11
Filing Authority . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 11
Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 11
Required Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12
Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12
Invalid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12
Group Member . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12
Visa Europe . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13
Valid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13
Visa Europe Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13
Opposing Members Response . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13
Requesting Members Withdrawal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13
Compliance Decision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13
Review Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14
Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14
Appeal Rights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14
Appeal Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14
Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14
Finality of Decision on Appeal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 15
Exceptions to the Compliance Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 15
APPENDIX A, EXHIBITS
APPENDIX B, MERCHANT DATA STANDARDS
APPENDIX C, MAXIMUM AUTHORIZED FLOOR LIMITS
APPENDIX D, DEFINED TERMS
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1.1
INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 5
1.2
MUTUAL ASSISTANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 5
1.3
TRANSACTION RECEIPT RETRIEVAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 5

Request for Transaction Receipt Copy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 5
Transaction Receipt Retention . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 6
Transaction Receipt Request and Fulfilment Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 6
Fulfilment Document Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 6
Substitute Transaction Receipt Fulfilment DocumentsData Requirements . . . . . . 1 - 8
Electronic Documentation Transfer Method . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 10
Acquirer Responsibilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 10
Issuer Rights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 11
Retrieval Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 11
Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 11
Fee Recovery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 11
1.4
CHARGEBACKS AND REPRESENTMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 11

Chargeback and Representment Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 11
Chargeback Limitations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12
Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12
Chargeback and Representment Transmission . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12
Clearing and Settlement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12
Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12
Chargeback Reduction Service . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12
Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12
Return of Presentment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12
Return of Chargeback . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 13
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1-1
Dispute Resolution
Chargeback . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 13
Attempt to Settle . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 13
Chargeback Dispute Groups and Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 13
Reasons and Time Limits for Specific Transaction Types . . . . . . . . . . . . . . . . . . . . . . . 1 - 23
Chargeback Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 30
Transaction Chargeback Method . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 30
Processing Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 31
Chargeback Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 31
Chargeback Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 31
Currency Conversion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 31
1.5
REPRESENTMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 32
Representment Reasons, Conditions, and Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 32
Representment Documentation Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 32
Representment Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 34
Currency Conversion Difference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 34
1.6
DISPUTE GROUP 1REQUEST FOR INFORMATION . . . . . . . . . . . . . . . . . . . . .1 - 35

Reason Code 60 Illegible Fulfilment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 36
Reason Code 75 Transaction not recognised . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 38
1.7
DISPUTE GROUP 2FRAUD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 45

Reason Code 57 Fraudulent Multiple Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 46
Reason Code 62 Counterfeit Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 49
Reason Code 81 FraudCard-Present Environment . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 57
Reason Code 83 FraudCard-Absent Environment . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 69
Reason Code 93 Merchant Fraud Performance Program . . . . . . . . . . . . . . . . . . . . . . . 1 - 78
1.8
DISPUTE GROUP 3AUTHORIZATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 81

Reason Code 70 Card Recovery Bulletin or Exception File . . . . . . . . . . . . . . . . . . . . . 1 - 82
Reason Code 71 Declined Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 87
Reason Code 72 No Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 94
Reason Code 73 Expired Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 101
Reason Code 78 Service Code Violation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 104
1.9
DISPUTE GROUP 4PROCESSING ERROR . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 107

Reason Code 74 Late Presentment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 109
Reason Code 76 Incorrect Currency or Transaction Code or
Domestic Transaction Processing Violation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 113
Reason Code 77 Non-Matching Account Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 121
Reason Code 80 Incorrect Transaction Amount or Account Number . . . . . . . . . . 1 - 124
Reason Code 82 Duplicate Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 130
Reason Code 86 Paid by Other Means . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 135
1-2

15 May 2013
Dispute Resolution
1.10
DISPUTE GROUP 5CANCELLED/RETURNED . . . . . . . . . . . . . . . . . . . . . . . . .1 - 139

Reason Code 41 Cancelled Recurring Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 140
Reason Code 53 Not as Described or Defective Merchandise . . . . . . . . . . . . . . . . . 1 - 149
Reason Code 85 Credit Not Processed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 156
1.11
DISPUTE GROUP 6NON-RECEIPT GOODS/SERVICES . . . . . . . . . . . . . . . . 1 - 169

Reason Code 30 Services Not Provided or Merchandise Not Received . . . . . . . . . 1 - 170
Reason Code 90 Non-Receipt of Cash or Load Transaction Value at ATM or
Load Device . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 175
15 May 2013

1-3
Dispute Resolution
1.1
INTRODUCTION
The rules in this Chapter apply to disputes relating to both International Transactions and Visa Europe
Transactions.
For the purpose of this Chapter only, the following terms shall have the definitions set out below:
Acquirer: A Customer or a Member that (a) enters into an agreement with a Merchant for the
display of any of the Licensed Marks and the acceptance of Visa Products and Services, or
(b) disburses currency to a Cardholder; and
Issuer: A Customer or a Member that issues Cards to a Cardholder and maintains the
contractual privity relating to such Card with that Cardholder.
1.1.0.1
1.2
All other defined terms used in this Chapter that have definitions which incorporate Issuer or
Acquirer, shall, for the purposes of this Chapter only, incorporate or refer to Issuer or Acquirer
only as these terms are defined above.
MUTUAL ASSISTANCE
A Member must attempt to offer mutual assistance to other Customers or Members to resolve
disputes between:
Its Cardholder and another Customer's or Member's Merchant; and
Its Merchant and another Customer's or Member's Cardholder.

If a Cardholder or Merchant accepts financial liability for a Transaction, its Member must reimburse
the Customer or Member that is the other party to that Transaction directly.
1.3
1.3.A
TRANSACTION RECEIPT RETRIEVAL

Request for Transaction Receipt Copy
An Issuer may request a Transaction Receipt copy from an Acquirer for the reasons set out in Table 11 below. The Issuer must accept a Substitute Transaction Receipt for certain Transactions, as specified
in Section 1.3.C. For Transactions conducted in a Card-Present Environment, Substitute Transaction
Receipts are considered invalid Transaction Receipts.
Table 1-1
Transaction Receipt Retrieval Request Reasons
Request Reason for Copy BASE II Transaction

Code 52 or Field 63.3 in Single Message System
BASE II Request Code/

Visa Europe Clearing and
Settlement Service
Request Code
(Transaction Code 52)
Single Message System

Request Code
(Field 63.3)
Request for copy bearing signature1

Effective for Retrieval Requests up to and
including 19 April 2013, T&E Document request
Cardholder request due to dispute
Fraud analysis request
Legal process request
28
29
30
33
34
0028
0029
0030
0033
0034
1. Not applicable to a Vehicle-Specific Fleet Card Transaction.
15 May 2013

1-5
Dispute Resolution
Each Retrieval Request must contain at least the following data:
Acquirer Reference Number;
Account Number;
Transaction Date of original Presentment;
Merchant Category Code (MCC);
Either the Transaction Amount in the Transaction Currency or a complete description of the
Merchant's business; and
Applicable Retrieval Request reason code from Table 1-1.
1.3.B
Transaction Receipt Retention

In response to the Retrieval Request of an Issuer, an Acquirer must, as part of a Fulfilment, provide such
Issuer with such appropriate legible document as it is required to retain in accordance with Table 1-2.
Table 1-2
1.3.C
Transaction Receipt Retention Periods
Document
Retention Period
Original Transaction Receipt
According to applicable law
Transaction Receipt copy or Substitute Transaction Receipt
13 months from Processing Date
T&E Document
Six months from Processing Date
Recurring Transaction Receipt
13 months from Processing Date of latest

Transaction
Transaction Receipt Request and Fulfilment Data

To satisfy a Retrieval Request, the Acquirer must provide as part of the Fulfilment to the requesting
Issuer any of the following:
Copy of the Transaction Receipt;
Substitute Transaction Receipt containing the required data for a Transaction conducted in a
Card-Absent Environment; or
T&E Document if applicable.
1.3.C.1
1-6
Fulfilment Document Requirements

Table 1-3 describes the data requirements by type of Transaction and Retrieval Request reason code.

15 May 2013
Dispute Resolution
Table 1-3
Transaction Receipt Requirements

Retrieval Request Reason Code
28
Effective
for
Retrieval
Requests
up to and
including
19 April
2013, 29
30
33
34
Copy of Transaction Receipt (see Exhibit 7I and

Table 1-4)
Substitute Transaction Receipt (see Table 1-4)
Electronic Commerce, Mail/Phone Order or

Recurring Transaction
Retail Transaction
Copy of Transaction Receipt (see Exhibit 7I)
Small Ticket
Copy of Transaction Receipt (see Exhibit 7I)
T&E Transaction
Copy of Transaction Receipt (see Table 1-6)
T&E Document (see Table 1-6)
Substitute Transaction Receipt (see Table 1-6)1
1. Substitute Transaction Receipts are only required for T&E Transactions, in a Card-Absent Environment.
2. Effective for Retrieval Requests up to and including 19 April 2013, only if the Merchant is T&E.
NOTE: Substitute Transaction Receipts for Retail Transactions and Small Ticket are not
required for copy fulfilments.
15 May 2013

1-7
Dispute Resolution
1.3.C.2
Substitute Transaction Receipt Fulfilment DocumentsData Requirements

This section describes the data requirements for Substitute Transaction Receipts. These requirements
vary depending on the type of transaction, as described in the following tables:
Table 1-4, Recurring or Mail/Phone Order, Retail and Electronic Commerce Transactions;
Table 1-5, Small Ticket Transactions; and
Table 1-6, T&E Transactions.

Table 1-4
Recurring or Mail/Phone Order Transactions and Electronic Commerce Transactions

Recurring or Mail/Phone Order
Transaction
Electronic Commerce
Cardholder written permission
Substitute Transaction Receipt
Account Number
Transaction Date
Transaction Amount
Authorization Code
If any
Document Type
Requested Document
Required Data
Cardholder Signature
Merchant Name
Merchant Location
Online address
Description
Merchandise or services
Merchandise or services2
Not applicable
1. The Recurring Services Merchant must retain the Cardholders 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 for an Aggregated Transaction, an Electronic Commerce Merchant
must provide details of the individual purchases that have been aggregated as specified in Volume I-General Rules,
Section 5.2.B.6.a.
Table 1-5
Small Ticket Transactions

Small Ticket Transactions
Required Data
1-8
Merchant Name
Transaction Date
Transaction Amount
Confirmation that Cardholder

made the Transaction using a Card

15 May 2013
Dispute Resolution
Table 1-6
T&E Transactions
Car Rental
Airline
Hotel
Cruise Line
Copy of Transaction Receipt
Substitute Transaction Receipt 1
Document Type
T&E Document
Required Data on Document

Account Number
Cardholder Name 2
If applicable
Passenger or Guest Name, if

different than Cardholder Name
Cardholder Address
Address where tickets were sent
If available and
applicable
Transaction Date
Rental and Return Dates
Transaction Code
If any
Transaction Amount
Authorization Code
If any
If any
If any
If any
Merchant Name
Dates of stay,
check-in, and
check-out
Dates of cruise
embarkation and
disembarkation
Merchant Location
Rental and Return location

Travel Agent Name and Address
If applicable
Rental Agreement Number
Description
Airline flight
information
Itemised Charges 2
1. Substitute Transaction Receipts are only required for T&E Transactions, in a Card-Absent Environment.
2. These data elements are only required in a Card-Present Environment.
3. Must include a copy of all documents relating to the T&E Transaction, including the Transaction Receipt, car rental
agreement, or Guest Folio (if one was created) as applicable. The Card Imprint and Cardholder signature must also be
included if either or both were obtained.
4. Must include type of car, mileage, rental rates, actual rate, refuelling and insurance charges, adjustments, tax, cash
received, billing method, and rental agent ID number.
5. Must include room rate, tax, and food, beverage and incidental charges.
15 May 2013

1-9
Dispute Resolution
1.3.D
Electronic Documentation Transfer Method

All Issuers and Acquirers must use the Electronic Documentation Transfer Method when initiating or
responding to a Retrieval Request.
1.3.D.1
Acquirer Responsibilities
1.3.D.1.a
An Acquirer must respond to the requesting Issuer within 30 calendar days of the Processing Date of a
Retrieval Request with one of the following:
Fulfilment;
Non-fulfilment Message; or
Interchange log indicating that full credit for the original Transaction Amount was processed
to the Cardholder's Account Number as evidence that the dispute has been resolved.
1.3.D.1.b
As part of a Fulfilment, an Acquirer may provide the requesting Issuer with a Transaction Receipt that
contains a truncated or disguised Account Number.
1.3.D.1.c
Substitute Transaction Receipts are considered invalid Transaction Receipts for Card-Present
Transactions
1.3.D.1.d
As part of a Fulfilment, an Acquirer is not required to provide the requesting Customer or Member
with a Transaction Receipt for any of the following:
An ATM Cash Disbursement;
A Transaction at an Unattended Acceptance Terminal;
Effective for Transactions with a Transaction Date on or after 13 October 2012, a Proximity
Payment in which a PIN or CDCVM was used, except where that Proximity Payment is a T&E
Transaction;
Payment that is made with a standard plastic payment Card in which a PIN was used, except
where that Proximity Payment is a:
Manual Cash Disbursement; or
Quasi-Cash Transaction; or
An EMV PIN Transaction, except for:

A T&E Transaction;
A Manual Cash Disbursement; or
A Quasi-Cash Transaction.
1.3.D.1.e
A Fulfilment must:
Be legible enough for the Cardholder to read or for the requesting Customer or Member to
identify the Account Number; and
Include the unique 12-digit Copy Request Identifier assigned by the Visa System.
1.3.D.1.f
A Non-fulfilment Message must include the Copy Request Identifier and one of the message codes
listed in Table 1-7.
Table 1-7
1-10
Non-fulfilment 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 locatedChargeback
04
Acquirer will not fulfilChargeback
05
Transaction Receipt not required or previously fulfilled

15 May 2013
Dispute Resolution
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:
The Acquirer did not respond to a Retrieval Request within 30 calendar days of that Retrieval
Request;
The Acquirer sent a Non-fulfilment Message; or
The Acquirer did not send a valid or correct Fulfilment.
1.3.E
Retrieval Fees
1.3.E.1
Fees
When an Issuer makes a Retrieval Request to an Acquirer, Visa Europe shall charge such Issuer, where
that Issuer is a Member, and reimburse the Acquirer, where that Acquirer is a Member, for that
Retrieval Request as specified in the Visa Europe Operating Regulations, Volume IGeneral Rules,
Section 8.7.B.
1.3.E.2
Fee Recovery
An Issuer may recover the relevant fees it has paid for a Retrieval Request for any of the following
reasons:
The Acquirer did not properly supply the requested Transaction Receipt;
The Substitute Transaction Receipt does not include the required data; or
The Retrieval Request resulted from an incorrect Merchant description or a zero-filled or

incorrect Transaction Date in the Visa System transmission.
1.4
1.4.A
CHARGEBACKS AND REPRESENTMENT

Chargeback and Representment Process
After receiving a Presentment, an Issuer may charge back a Transaction to the Acquirer under the
conditions specified in the Dispute Resolution Rules.
The Acquirer may then represent the Chargeback to the Issuer in accordance with the Dispute
Resolution Rules. If the Acquirer represents the Chargeback to the Issuer, the Issuer must not charge
back the Transaction a second time and the Acquirer must not represent the Transaction a second
time. Figure 1-1 illustrates this process.
ACQUIRER
ISSUER
Presentment
Chargeback
Representment
Pre-Arbitration
(if required)
Arbitration
Figure 1-1
Chargeback and Representment Process
A Customer and a Member may have the right to file for Arbitration after completing this Chargeback
and Representment cycle, or in some instances Compliance may be available.
15 May 2013

1-11
Dispute Resolution
1.4.B
Chargeback Limitations
Chargeback reason codes 53 and 85 do not apply to Domestic Transactions, unless the appropriate
domestic regulations permit them.
1.4.C
Transactions
A process exists for handling Chargebacks generated by Issuers within the Territory and received by
Acquirers within Visa Inc.s regions when a Transaction qualifies as a Visa Easy Payment Service
Transaction but does not qualify as a Small Ticket Transaction.
Visa will pay in lieu of an Acquirer in the Visa Inc. region for a Chargeback received from an Issuer in
the Territory if all the following apply:
The Transaction qualifies as Visa Easy Payment Service Transaction in Visa Inc.s region;
The Merchant Category Code for the Merchant Outlet does not qualify for a Small Ticket
Transaction in the Territory; and
The Transaction is confirmed by Visa as being eligible for a Chargeback in accordance with the
requirements specified in the Visa Europe Operating Regulations.
Current Dispute Resolution Rules apply for all other cases.
1.4.D
Chargeback and Representment Transmission
1.4.D.1
Clearing and Settlement

A Customer and a Member must process a Chargeback or Representment for an International
Transaction through the Visa System. A Customer and a Member may also transmit a Chargeback for
a Domestic Transaction through an Interchange tape or by other means in accordance with a Private
Agreement.
1.4.D.2
Documentation
1.4.D.2.a
A Customer or a Member sending Chargeback or Representment documentation (as required by the

Dispute Resolution Rules) must do so within five calendar days of the Processing Date of the
Chargeback or Representment, using an Electronic Documentation Transfer Method.
1.4.D.2.b
A Member must not send Chargeback or Representment documentation by mail, fax, or any other
non-automated method.
1.4.E
Chargeback Reduction Service
1.4.E.1
Overview
If the Chargeback Reduction Service rejects a Chargeback on the basis that it is invalid or incomplete,
the Issuer may either:
Correct the rejected record and resubmit it as a Chargeback within the applicable Chargeback
Period (as set out in the Visa Europe Operating Regulations, Volume IIDispute Resolution Rules;
or
Accept financial liability for the Transaction.

Rejected Chargebacks are not considered completed Chargebacks.
1.4.E.2
1.4.E.2.a
1-12
Return of Presentment
If the Transaction Date field in the Transaction processed by the Visa System is filled only with zeros,
the Chargeback Reduction Service will return a Presentment to the Acquirer provided that the Account
Number relevant to that Transaction was listed on the applicable Card Recovery Bulletin in the 10
calendar days prior to the Processing Date.

15 May 2013
Dispute Resolution
1.4.E.2.b
If the Transaction Date field in the Transaction processed by the Visa System is not filled only with
zeros, the Chargeback Reduction Service will return a Presentment to the Acquirer provided that 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 Visa System record; and
The Transaction Amount is below the Floor Limit.
1.4.E.3
Return of Chargeback
The Chargeback Reduction Service may return an invalid Chargeback to the Issuer if all Chargeback
requirements (as set out in the Visa Europe Operating Regulations, Volume IIDispute Resolution Rules)
are not met.
1.4.F
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.F.1
Attempt to Settle
1.4.F.1.a
Before exercising a Chargeback, the Issuer must attempt to honour the Transaction.
1.4.F.1.b
If the Issuer has attempted, but failed, to honour a Transaction and the Issuer has already billed the
Transaction to the Cardholder, the Issuer must credit the Cardholder for the Chargeback amount.
1.4.F.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 requirements set out
in the Visa Europe Operating Regulations, Volume IIDispute Resolution Rules for a Chargeback 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 FraudCard-Absent Environment"; or
"Reason Code 85 Credit Not Processed".
1.4.F.1.d
The Issuer must not be reimbursed twice for the same Transaction.
1.4.F.1.e
A Cardholder must not be credited twice as a result of both a:
Chargeback; and
Credit processed by a Merchant.
1.4.F.2
Chargeback Dispute Groups and Time Limits

The following tables list the Chargeback dispute groups, the Chargeback reason codes included in each
group, the time limits within which a Chargeback must be processed and summary of the type of
dispute that applies to each reason code:
Table 1-8, Request for InformationGroup 1 Chargeback Reasons;
Table 1-9, FraudGroup 2 Chargeback Reasons;
Table 1-10, AuthorizationGroup 3 Chargeback Reasons;
Table 1-11, Processing ErrorGroup 4 Chargeback Reasons;
Table 1-17, Original Credit Money Transfer Chargeback Reasons; and
Table 1-21, General Requirements For Dispute Group 1Request For Information.
All of the Chargebacks in the following tables and the full descriptions and conditions that apply to each
Chargeback reason are specified in detail in the Visa Europe Operating Regulations, Volume IIDispute
Resolution Rules.
15 May 2013

1-13
Dispute Resolution
1.4.F.2.a
Request for InformationGroup 1

Table 1-8 lists the Chargebacks that may apply if an Issuer initiated a Retrieval Request and the
Acquirer:
Effective for Fulfilments processed up to and including 19 April 2013, fulfilled the Retrieval
Request with an illegible Fulfilment; or
Did not provide additional Transaction Information beyond the data submitted in the Clearing
Record.
Table 1-8
Request for InformationGroup 1 Chargeback Reasons
Chargeback
Reasons
Reason Code
Summary of Description/Conditions
Time Limit (Calendar

Days) from the
Processing Date of the
Transaction1
Effective for
Chargebacks
initiated up to
and including a
Processing
Date of 19 April
2013, Illegible
Fulfilment
60
The Fulfilment supplied in response to a

Retrieval Request is illegible
Applies when a Fulfilment is received and
the Account Number or Transaction
Amount is illegible
120
Transaction Not
Recognised
75
The Cardholder does not recognise the

Transaction and additional information
beyond the data required in the Clearing
Record is needed to determine Transaction
validity
Applies when Cardholder does not
recognise a Transaction and additional
information beyond the data required in the
Clearing Record is needed to determine
Transaction validity
120
1. Unless otherwise specified in the Visa Europe Operating Regulations, Volume IIDispute Resolution Rules.
1-14

15 May 2013
Dispute Resolution
1.4.F.2.b
FraudGroup 2
Table 1-9 lists the Chargebacks that may apply if a Cardholder asserts that he or she did not authorize
or participate in a Transaction, or an Issuer certifies that the Account Number used to complete a
Transaction is a Fictitious Account Number or no longer valid.
Table 1-9
15 May 2013
FraudGroup 2 Chargeback Reasons
Chargeback
Reasons
Reason Code

Days) from the
Transaction1
Fraudulent
Multiple
Transactions
57
Multiple Transactions occurred on a

single Card at the same Merchant Outlet
without the Cardholder's permission.
Applies when multiple Transactions have
occurred on a single Card at the same
Merchant Outlet without the
Cardholder's permission.
120
Counterfeit
Transaction
62
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.
Applies when a Counterfeit Card has been
used for a Magnetic Stripe or Chipinitiated Transaction that received
Authorization but the Authorization
Request did not include the required data
or contained altered data.
A Counterfeit Transaction occurred at a
Merchant or Member location where
required risk control procedures were not
followed.
120
FraudCardPresent
Environment
81
A Merchant did not obtain an Imprint and

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 is outstanding
bearing the Account Number on the
Transaction Receipt.
Applies when the Merchant did not
obtain an Imprint, and either a signature
or PIN, for a Face-to-Face Transaction and
either:
- Cardholder did not give permission to
complete the Transaction; or
- Fictitious Account Number was used
or no valid Card was outstanding.
120

1-15
Dispute Resolution
Table 1-9
FraudGroup 2 Chargeback Reasons (Continued)
Chargeback
Reasons
Reason Code

Days) from the
Transaction1
FraudCardAbsent
Environment
83
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 is outstanding bearing the
Account Number on the Transaction
Receipt.
Applies when a Mail/Phone Order or
Electronic Commerce Transaction
occurred and either:
- Fictitious Account Number was used
or no valid Card was outstanding.
120
Merchant Fraud
Performance
Program
93
Visa Inc, in the case of its Customers and

Visa Europe, in the case of its Members,
notified the Issuer that the Transaction is
identified by the Merchant Fraud
Performance Program.
Applies when Visa Inc., in the case of its
Customers and Visa Europe, in the case of
its Members, notified the Issuer that the
Transaction is identified by the Merchant
Fraud Performance Program.
120
1-16

15 May 2013
Dispute Resolution
1.4.F.2.c
AuthorizationGroup 3
Table 1-10 lists the Chargebacks that may apply if a Merchant or an Acquirer did not follow the proper
Authorization procedures for accepting a Transaction.
Table 1-10
15 May 2013
AuthorizationGroup 3 Chargeback Reasons
Chargeback
Reasons
Reason Code

Days) from the
Transaction1
Card Recovery
Bulletin or
Exception File
70
A Merchant did not check the Card

Recovery Bulletin or Exception File for a
Transaction Amount that was below the
Floor Limit.
Applies when a Merchant did not check
the Card Recovery Bulletin or Exception
File for a Transaction with an amount that
was below the Floor Limit and the
Merchant did not obtain Authorization.
75
Declined
Authorization
71
A Merchant completed a Transaction

after an Authorization Request received a
Decline Response.
Applies when either:
1. Authorization Request received a
Decline Response or Pickup Response
and a Merchant completed the
Transaction; or
2. Both:
a) Authorization Request for a
Magnetic Stripe read or Chipinitiated Transaction received a
Decline Response, Pickup Response
or Referral Response, and
subsequent Authorization was
obtained by a means other than
Authorization by voice and
Merchant completed the
Transaction; and
b) Transaction is a Counterfeit
Transaction.
75
No Authorization
72
Authorization was required for a

Transaction, but the Merchant did not
obtain Authorization.
Applies when Authorization was required
for a Transaction, but the Merchant did
not obtain Authorization.
75

1-17
Dispute Resolution
Table 1-10
AuthorizationGroup 3 Chargeback Reasons (Continued)
Chargeback
Reasons
Reason Code

Days) from the
Transaction1
Expired Card
73
A Merchant completed a Transaction with

a Card that expired prior to the
Transaction Date, and the Merchant did
Applies when a Merchant completed a
Transaction with a Card that expired prior
to the Transaction Date, and the
75
Service Code
Violation
78
The Service Code on the Magnetic Stripe

indicated that the Card was invalid for the
Transaction, and the Merchant did not
Applies when the Service Code on the
Magnetic Stripe indicated that the Card
was invalid for the Transaction, and the
75
1-18

15 May 2013
Dispute Resolution
1.4.F.2.d
Processing ErrorGroup 4
Table 1-11 lists the Chargebacks that may apply if a Merchant incorrectly submitted a Transaction to its
Acquirer or an Acquirer made a technical error in processing a Transaction.
Table 1-11
15 May 2013
Processing ErrorGroup 4 Chargeback Reasons
Chargeback Reason
Reason Code
Time Limit
(Calendar Days)
from the Processing
Date of the
Transaction1
Late Presentment
74
Transaction was not processed within

the required time limits and the
Cardholder's account was not in good
standing on the Processing Date of that
Chargeback, or the Transaction was
processed more than 180 calendar days
from the Transaction Date.
Applies when a Transaction was not
processed within the required time
limits and the Cardholder's account was
not in good standing on the Processing
Date of that Chargeback, or the
Transaction was processed more than
180 calendar days from the Transaction
Date.
120
Incorrect Currency
or Transaction Code
or Domestic
Transaction
Processing Violation
76
Transaction was processed with an

incorrect Transaction code, an incorrect
currency code, or the Merchant did not
deposit the Transaction Receipt in the
Transaction Country.
Applies when Transaction was
processed with an incorrect Transaction
code, an incorrect currency code, the
Merchant did not deposit the
Transaction Receipt in the Transaction
Country or the Cardholder was not
advised that Dynamic Currency
Conversion would occur or was refused
the choice of paying in the Merchants
local currency.
120
Non-Matching
Account Number
77
Transaction did not receive

Authorization and was processed using
an Account Number that does not
match any on the Issuer's master file.
Applies when a 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
that does not match any on the Issuers
master file.
75

1-19
Dispute Resolution
Table 1-11
Processing ErrorGroup 4 Chargeback Reasons (Continued)
Chargeback Reason
Reason Code
Time Limit
(Calendar Days)
from the Processing
Date of the
Transaction1
Incorrect
Transaction Amount
or Account Number
80
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.
Applies when Transaction Amount is
incorrect or an addition or transposition
error has occurred, or the Merchant
altered the Transaction Amount after
the Transaction was completed without
the consent of the Cardholder, or the
Account Number processed through the
Visa System does not match the
Receipt.
120
Duplicate Processing
82
A single Transaction was processed

more than once.
Applies when one Acquirer or
Originating Member processed the
Transaction more than once, or two
Acquirers or Originating Members
processed the same Transaction.
120
Paid by Other Means
86
Merchandise or service was received,

but paid for by other means.
Applies when the Cardholder paid for
the same merchandise or service by
other means.
120
1-20

15 May 2013
Dispute Resolution
1.4.F.2.e
Cancelled/ReturnedGroup 5
Table 1-12 lists the Chargebacks that may apply if either:
A Merchant issued a Credit Transaction Receipt, but did not process it through Clearing or
Settlement; or
A Cardholder cancelled a service or returned merchandise, and the Merchant did not process
a Credit Transaction Receipt.
Table 1-12
Cancelled/ReturnedGroup 5 Chargeback Reasons
Chargeback Reason
Reason Code
Time Limit
(Calendar Days)
from the Processing
Date of the
Transaction1
Cancelled Recurring
Transaction
41
The Merchant continued to charge a

Cardholder for a Recurring Transaction
despite notification of cancellation.
Applies when the Cardholder withdrew
permission to charge the account for a
Recurring Transaction or the Acquirer or
Merchant received notification that the
Cardholders account was closed before
the Transaction was processed or an
initial membership Transaction was
previously charged back and the
Cardholder did not expressly renew the
membership.
Effective for Chargebacks initiated on
or after a Processing Date of 20 April
2013, for Visa Europe Transactions, the
Merchant continued to charge a
Cardholder for an Instalment
Transaction despite notification of
cancellation.
120
Not as Described or
Defective
Merchandise
53
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 the purchase.
Applies when the 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 or the Merchandise shipped to
the Cardholder was received damaged
or defective, and Cardholder returned
the merchandise to the Merchant.
120
Credit Not
Processed
85
A Merchant did not process a Credit

Transaction Receipt as required.
Applies when a Merchant did not
process a Credit Transaction Receipt as
required.
120
15 May 2013

1-21
Dispute Resolution
1.4.F.2.f
Non-Receipt Goods/ServicesGroup 6
Table 1-13 lists the Chargebacks that may apply if either:
A Merchant was unable or unwilling to provide the service (including Visa Prepaid Load
Services), or the Cardholder or authorized person did not receive the merchandise at the
agreed-upon location or by the agreed-upon date; or
A Cardholder completed an ATM Cash Disbursement or Load Transaction but did not receive
the cash or Load Transaction value, or received only a portion of the cash or Load Transaction
value.
Table 1-13
Non-Receipt Goods/ServicesGroup 6 Chargeback Reasons
Chargeback
Reasons
Reason Code
Summary of Description/Condition
Time Limit
(Calendar Days)
from the Processing
Date of the
Transaction1
Services Not
Provided or
Merchandise Not
Received
30
The Merchant was unable or unwilling

to provide the services (including Visa
Prepaid Load Services), or the
Cardholder or authorized person did not
receive the merchandise, at the agreedupon location or by the agreed-upon
date.
Applies when the Cardholder or
authorized person did not receive
purchased services because the
Merchant was unwilling or unable to
provide the services; or the Cardholder
or authorized person did not receive
ordered merchandise.
120
Non-Receipt of
Cash or Load
Transaction Value at
ATM or Load Device
90
Cardholder did not receive, or received

only a portion of, the money requested
for an ATM Transaction or the money
loaded on to a Chip Card for a Load
Transaction.
Applies when the Cardholder did not
receive, or received only a portion of
cash or Load Transaction value.
120
1-22

15 May 2013
Dispute Resolution
1.4.F.3
1.4.F.3.a
Reasons and Time Limits for Specific Transaction Types

ATM or Load Transaction Chargeback Reasons
Table 1-14 lists the only Chargebacks that apply to ATM Transactions. These Chargeback reason codes
may also apply to other types of Transactions.
Table 1-14
15 May 2013
ATM or Load Transaction Chargeback Reasons
Chargeback
Reasons
Reason Code
Time Limit
(Calendar Days)
from the Processing
Date of the
Transaction1
Counterfeit
transaction
62

altered data.
Applies when a Counterfeit Card was
used for a Magnetic Stripe or Chipinitiated Transaction that received
Authorization but the Authorization
Request did not include the required
data or contained altered data.
required risk control procedures were
not followed.
120
Late Presentment
74

Applies when Transaction was not
limits and the Cardholder's account was
not in good standing on the Processing
Date of that Chargeback, or the
Transaction was processed more than
Date.
120
Incorrect Currency
or Transaction Code
or Domestic
Transaction
76

Applies when a Transaction was
processed with an incorrect Transaction
code, an incorrect currency code, the
Merchant did not deposit the
Transaction Receipt in the Transaction
Country or the Cardholder was not
advised that Dynamic Currency
Conversion would occur or was refused
the choice of paying in the Merchants
local currency.
120

1-23
Dispute Resolution
Table 1-14
ATM or Load Transaction Chargeback Reasons (Continued)
Chargeback
Reasons
Reason Code
Time Limit
(Calendar Days)
from the Processing
Date of the
Transaction1
Duplicate
Processing
82

more than once.
Transaction more than once or two
120
Non-Receipt of Cash
or Load Transaction
Value at ATM or
Load Device
90

only a portion of, the money requested
for an ATM Transaction or the money
loaded on to a Chip Card for a Load
Transaction.
receive, or received only a portion of
cash or Load Transaction value.
120
1-24

15 May 2013
Dispute Resolution
1.4.F.3.b
Visa TravelMoney Card Chargeback Reasons

Table 1-15 lists the only Chargebacks that apply to Transactions completed with a Visa TravelMoney
Card. These Chargeback reason codes may also apply to other types of Transactions.
Table 1-15
15 May 2013
Visa TravelMoney Card Chargeback Reasons
Chargeback
Reasons
Reason Code
Time Limit
(Calendar Days)
from the Processing
Date of the
Transaction1
Counterfeit
Transaction
62

altered data.
Applies when a Counterfeit Card was used
for a Magnetic Stripe or Chip-initiated
altered data.
required risk control procedures were not
followed.
120
Late Presentment
74
Transaction was not processed within the

required time limits and the Cardholder's
account was not in good standing on the
Processing Date of that Chargeback, or the
Transaction was processed more than 180
calendar days from the Transaction Date.
processed within the required time limits
and the Cardholder's account was not in
good standing on the Processing Date of
that Chargeback, or the Transaction was
120
Incorrect Currency
or Transaction Code
or Domestic
Transaction
76

Applies when a Transaction was processed
with an incorrect Transaction code, an
incorrect currency code, the Merchant did
not deposit the Transaction Receipt in the
Transaction Country or the Cardholder was
not advised that Dynamic Currency
Conversion would occur or was refused the
choice of paying in the Merchants local
currency.
120

1-25
Dispute Resolution
Table 1-15
Visa TravelMoney Card Chargeback Reasons (Continued)
Chargeback
Reasons
Reason Code
Time Limit
(Calendar Days)
from the Processing
Date of the
Transaction1
Non-Matching
Account Number
77
Transaction did not receive Authorization

and was processed using an Account
Number that does not match any on the
Issuer's master file.
Applies when a 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
Issuers master file.
75
Service Code
Violation
78
The Service Code on the Magnetic Stripe

indicated that the Card was invalid for the
Transaction, and the Merchant did not
75
FraudCardAbsent Environment
83
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 is outstanding bearing the
Receipt.
Applies when a Mail/Phone Order or
Electronic Commerce Transaction occurred
and either:
- Fictitious Account Number was used or
no valid Card was outstanding.
120
Non-Receipt of
Cash or Load
Transaction value at
ATM or Load Device
90

only a portion of, the money requested for
an ATM Transaction or the money loaded
on to a Chip Card for a Load Transaction.
receive, or received only a portion of cash
or Load Transaction value.
120
1-26

15 May 2013
Dispute Resolution
1.4.F.3.c
Telephone Service Transactions at Unattended Acceptance Terminals Chargeback Reasons

Table 1-16 lists the only Chargebacks that apply to Telephone Service Transactions at Unattended
Acceptance Terminals.
These Chargeback reason codes may also apply to other types of Transactions.
Table 1-16
15 May 2013
Telephone Service Transactions at Unattended Acceptance Terminals Chargeback

Reasons
Chargeback
Reasons
Reason Code
Time Limit
(Calendar Days)
from the Processing
Date of the
Transaction1
Card Recovery
Bulletin or Exception
File
70
A Merchant did not check the Card

Recovery Bulletin or Exception File for a
Transaction Amount that was below
the Floor Limit.
Applies when a Merchant did not check
the Card Recovery Bulletin or Exception
File for a Transaction with an amount
that was below the Floor Limit and the
75
No Authorization
72
Authorization was required for a

Transaction, but the Merchant did not
Applies when Authorization was
required for a Transaction, but the
75
Expired Card
73
A Merchant completed a Transaction

with a Card that expired prior to the
Transaction Date, and the Merchant did
Applies when a Merchant completed a
Transaction with a Card that expired
prior to the Transaction Date, and the
75
Late Presentment
74

processed more than 180 calendar
days from the Transaction Date.
limits and the Cardholder's account
was not in good standing on the
Processing Date of that Chargeback, or
the Transaction was processed more
than 180 calendar days from the
Transaction Date.
120

1-27
Dispute Resolution
Table 1-16
Telephone Service Transactions at Unattended Acceptance Terminals Chargeback

Reasons (Continued)
Chargeback
Reasons
Reason Code
Time Limit
(Calendar Days)
from the Processing
Date of the
Transaction1
Service Code
Violation
78
The Service Code on the Magnetic

Stripe indicated that the Card was
invalid for the Transaction, and the
75
FraudCardPresent
Environment
81
A Merchant did not obtain an Imprint

and signature (or a PIN) in a CardPresent 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 is outstanding bearing the
Receipt.
Applies when the Merchant did not
obtain an Imprint, and either a
signature or PIN, for a Face-to-Face
Transaction and either:
- Cardholder did not give permission
to complete the Transaction; or
- Fictitious Account Number was
used or no valid Card was
outstanding.
120
Duplicate
Processing
82

more than once.
120
Merchant Fraud
Performance
Program
93
Visa Inc., in the case of its Customers

and Visa Europe, in the case of its
Members, notified the Issuer that the
Transaction is identified by the
Merchant Fraud Performance Program.
Applies when Visa Inc., in the case of
its Customers and Visa Europe, in the
case of its Members, notified the Issuer
that the Transaction is identified by the
Merchant Fraud Performance Program.
120
1-28

15 May 2013
Dispute Resolution
1.4.F.3.d
Original Credit Money Transfer Chargeback Reasons

Table 1-17 lists the only Chargebacks that apply to an Original Credit money transfer. These Chargeback
reason codes may also apply to other types of Transactions.
Table 1-17
Original Credit Money Transfer Chargeback Reasons
Chargeback
Reasons
Reason Code
Time Limit
(Calendar Days)
from the Processing
Date of the
Transaction1
Non-Matching
Account Number
77
Transaction did not receive

Authorization and was processed
using an Account Number that does
not match any on the Issuer's master
file.
Applies when a Transaction did not
receive Authorization and was
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 Issuers master file.
75
Duplicate
Processing
82

more than once.
120
Credit Not
Processed
85
A Merchant did not process a Credit

Transaction Receipt as required.
Applies when a Merchant did not
process a Credit Transaction Receipt
as required.
120
15 May 2013

1-29
Dispute Resolution
1.4.F.3.e
Chargebacks in Numerical Order

Table 1-18
1.4.F.4
Chargebacks at a Glance: Listed in Numerical Order
Reason Code
Reason Code Title
Dispute Group
30
Services Not Provided or Merchandise Not Received
41
Cancelled Recurring Transaction
53
Not as Described or Defective Merchandise
57
Fraudulent Multiple Transactions
60
Effective for Chargebacks initiated up to and including

a Processing Date of 19 April 2013, Illegible Fulfilment
62
Counterfeit Transaction
70
Card Recovery Bulletin or Exception File 3
71
Declined Authorization
72
No Authorization
73
Expired Card
74
Late Presentment
75
Transaction Not Recognised
76
Incorrect Currency or Transaction Code or Domestic

Transaction Processing Violation
77
Non-Matching Account Number
78
Service Code Violation
80
Incorrect Transaction Amount or Account Number
81
FraudCard-Present Environment
82
Duplicate Processing
83
FraudCard-Absent Environment
85
Credit Not Processed
86
Paid by Other Means
90
Non-Receipt of Cash or Load Transaction Value at ATM

or Load Device
93
Merchant Fraud Performance Program
Chargeback Time Limits
1.4.F.4.a
The Chargeback time limit is calculated from the Processing Date of the disputed Transaction.
1.4.F.4.b
Such Chargeback time limit begins on the calendar day following this date.
1.4.F.5
Transaction Chargeback Method

When an Issuer charges back Transactions, it must charge back each Transaction separately.
This rule does not apply to a Telephone Service Transaction:
For which the Cardholder did not give permission;
Where a Fictitious Account Number was used; or
Where no valid Card is outstanding, in other words, the Account Number was once issued to
a Cardholder but is no longer valid.
1-30

15 May 2013
Dispute Resolution
1.4.G
Processing Requirements
1.4.G.1
Chargeback Documentation
If an Issuer is required by the Visa Europe Operating Regulations, Volume IIDispute Resolution Rules to
provide an Acquirer with a signed Cardholder certification denying participation in the Transaction for
asserted fraudulent use of a Card or Account Number, the signed Cardholder certification must include
at least the following:
Cardholder's Account Number (complete or partial Account Number is acceptable);
Merchant name(s) as set out in BASE II Record Requirements (Exhibit 2L) for those using
BASE II, and the Visa Europe Clearing and Settlement Record Requirements (Exhibit 2M) for those
using the Visa Europe Clearing and Settlement Service; and
Transaction Amount(s).
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.
Each fraudulent Transaction does not require a separate certification.
All documentation that must be provided by an Issuer as required for each Chargeback reason in the
Dispute Resolution Rules must be provided in English.
1.4.G.1.a
Cardholder Certification for Visa Drive Cards

A letter from an authorised signatory of the commercial entity to whom a Visa Drive Card is issued for
a specified vehicle shall be sufficient Cardholder certification for the purpose of Chargebacks.
1.4.G.2
Chargeback Amount
The Issuer must charge back in the Billing Currency for either:
Actual amount billed to the Cardholder; or
Partial Transaction Amount equal to the disputed amount.
1.4.G.3
Currency Conversion
Visa Europe converts the Billing Currency to the Acquirer's Settlement Currency using the Basic
Currency Conversion Rate.
15 May 2013

1-31
Dispute Resolution
1.5
1.5.A
REPRESENTMENT
Representment Reasons, Conditions, and Time Limits
An Acquirer may represent a Transaction to the Issuer for one of the reasons listed in Table 1-19 within
45 calendar days from the Processing Date of that Chargeback (unless otherwise specified below).
Table 1-19
Representment Reasons, Conditions and Time Limits
Representment Reason
Conditions
Time Limit for

Representment
(calendar days)
Effective for Chargebacks

initiated up to and including a
Processing Date of 12 October
2012, mis-sorted Chargeback
None
451
Missing or incomplete
documentation to support
Chargeback
An Acquirer must allow five calendar days from the

Processing Date of the Chargeback to receive the
documents from the Issuer.
452
Invalid Acquirer Reference

Number/Tracing Data or Account
Number
None
452
Improper Chargeback
See each Chargeback listed in reason codes
452
Additional information available to

remedy the Chargeback
See each Chargeback listed in reason codes
452
Effective for Chargebacks

initiated up to and including a
Processing Date of 19 April 2013,
Chargeback reason code 60
Illegible Fulfilment
Legible copy of requested item
452
1. Time limit calculated from the receipt date of the Chargeback documentation.
2. Time limit calculated from the Processing Date of the Chargeback. The Processing Date of the Chargeback is not counted
as one day. The Processing Date of the Representment is not counted as one day.
1.5.A.1
1.5.A.1.a
Representment Documentation Requirements

An Acquirer must provide the Issuer with the Representment documentation as required by the
Dispute Resolution Rules, including;
Any non-English documentation translated to English;
Any documentation to remedy the Chargeback, if required;
A completed appropriate Electronic Documentation Transfer Method questionnaire; or
A completed appropriate dispute resolution exhibit, including the Chargeback reference

number, if used.
The Acquirer must return the same reason code that was received in the Clearing Record for that
Chargeback.
1.5.A.1.b
Compelling Evidence
Effective for Representments processed on or after 20 April 2013, if applicable, an Acquirer may
present an Issuer with Compelling Evidence.
1.5.A.1.c
Use of Compelling Evidence

Effective for Representments processed on or after 20 April 2013, an Acquirer may submit
Compelling Evidence at the time of Representment. Allowable types of Compelling Evidence are listed
in Table 1-20 and apply only to the Chargeback reason codes shown:
1-32

15 May 2013
Dispute Resolution
Table 1-20
Use of Compelling Evidence
Allowable Compelling Evidence
Applicable Chargeback Reason

Code
Documentation to prove a link between the person receiving the

merchandise and the Cardholder or to prove that the Cardholder
disputing the Transaction is in possession of the merchandise.
30, 53, 81, 83
For a Transaction in a Card-Absent Environment in which the

merchandise is collected from the Merchants location, any of the
following:
30, 81, 83
Cardholder signature on the pick-up form;

Copy of identification presented by the Cardholder; or
Details of identification presented by the Cardholder.
For a Transaction in a Card-Absent Environment in which the
merchandise is delivered, documentation (evidence of delivery and
time delivered) that the item was delivered to the same physical
address for which the Merchant received an Address Verification
Service match of Y or M (if applicable). A signature is not required
as evidence of delivery.
30, 81, 83
For an Electronic Commerce Transaction representing the sale of

digital goods downloaded from a website, one or more of the following:
30, 81, 83
Purchasers IP address;
Purchasers e-mail address;
Description of the goods downloaded;
Date and time goods were downloaded; and/or
Proof that the Merchants Website was accessed for services after
the Transaction Date.
For a Transaction in which merchandise was delivered to a business

address, documentation to show that the merchandise was delivered
and that, at the time of delivery, the Cardholder was working for the
company at that business address. A signature is not required as
evidence of delivery.
30, 81, 83
For a Mail/Phone Order Transaction, a signed order form.
30, 81, 83
For a Transaction at a passenger transport Merchant, any of the

following:
30, 81, 83
Proof that the ticket was received at the Cardholders billing

address;
Documentation to show that the ticket or boarding pass was
scanned at the gate;
Details of frequent flyer miles claimed, including address and
telephone number, that establish a link to the Cardholder; or
Documentation of the following additional Transactions related to
the original Transaction: purchase of seat upgrades; payment for
extra baggage; or purchases made on board the passenger
transport.
15 May 2013
For a Transaction in a Card-Absent Environment, documentation to

show that the Transaction uses an IP address, e-mail address, or
address and telephone number that had been used in a previous,
undisputed Transaction.
81, 83
Evidence that the Transaction was completed by a member of the

Cardholders household or family.
81, 83

1-33
Dispute Resolution
1.5.A.1.d
A Member must not send Representment documentation by mail, fax or any other non-automated
method.
1.5.A.2
Representment Amount
For a Representment, the Representment Amount 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; or
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, the Visa System converts the Transaction Amount to the Billing Currency using the
Basic Currency Conversion Rate.
For all other Transactions, the Visa System converts the Transaction Amount to the Billing Currency
using the Currency Conversion Rate.
The Acquirer is liable for any difference between the amount of the Chargeback and the Representment
amount.
The Issuer is liable for any difference between the amount originally presented and the Representment
amount.
1-34

15 May 2013
Dispute Group 1Request for Information
1.6
DISPUTE GROUP 1REQUEST FOR INFORMATION

A Transaction Receipt or T&E Document Fulfilment was illegible, or the Cardholder does not recognise
the Transaction.
Dispute Group 1Request For Information
The following reason codes are applicable:
60Illegible Fulfilment
75Transaction not recognised
Reason Code 60 Illegible Fulfilment

Effective for Chargebacks initiated up to and including a Processing Date of 19 April 2013, the Fulfilment
supplied in response to a Retrieval Request is illegible.
Reason Code 75 Transaction not Recognised

The Cardholder does not recognise the Transaction and additional information beyond the data
required in the Clearing Record is needed to determine Transaction validity.
Table 1-21
15 May 2013
General Requirements For Dispute Group 1Request For Information

Chargeback
Representment
Time Limit
1. 120 calendar days from the Transaction

Processing Date.
2. Retrieval Request was made within 89
calendar days of the Transaction
Processing Date.
45 calendar days from the

Chargeback Processing Date.
General Rights and

Limitations
Issuer may recover the Retrieval Request fee

specified in the Visa Europe Operating
Regulations, Volume IGeneral Rules, Section
8.7.B if the Acquirer does not properly fulfill
the Request.
Acquirer must not reassess the

Retrieval Request fee to the Issuer.
Additional
Information
Refer to individual reason codes.

1-35
60

Effective for Chargebacks initiated up to and including a Processing Date of 19 April 2013, the Fulfilment
supplied in response to a Retrieval Request is illegible.

1-36
Condition
Description
Page
Issuer requested and received a Transaction Receipt or Substitute Transaction

Receipt and the Account Number or amount is illegible.
1 - 37

15 May 2013
60

Dispute Group 1 Reason Code 60 Condition 1
Effective for Chargebacks initiated up to and including a Processing Date of 19 April 2013, Issuer requested
Chargeback Rights and Limitations
Member Message Text
Documentation
1. Chargeback is invalid for:

a) Telephone Service Transactions;
b) ATM Cash Disbursements; and
c) Small Ticket Transactions.
2. Chargeback is invalid when any of the following apply:
a) Retrieval Request was not transmitted through the
Electronic Documentation Transfer Method; or
b) Acquirer provides the Clearing Record in response to a
Retrieval Request to demonstrate that a Credit
Transaction Receipt was processed.
3. Chargeback is valid if the truncated or disguised Account
Number is illegible.
4. Chargeback is invalid if the embossed six-digit BIN of the
Account Number and the embossed Cardholder name
are legible.
5. Chargeback is invalid for EMV PIN Transactions
(excluding Manual Cash and Quasi-Cash Transactions
and T&E Transactions).
6. Effective for Transactions with a Transaction Date on or
after 13 October 2012, Chargeback is invalid for
Proximity Payments performed using a PIN or CDCVM
(excluding Manual Cash Disbursements1 and QuasiCash Transactions1 and T&E Transactions).
RR DATE MMDDYY
None required
and received a Transaction Receipt or Substitute Transaction Receipt and the Account Number or
amount is illegible.
1. Portable Payment Devices are not permitted to perform Manual Cash Disbursements or Quasi-Cash Transactions.
15 May 2013
Representment Rights and

Limitations
Representment
Conditions
Member Message Text
Documentation
1. Acquirer must not

reassess the Retrieval
Request fee to the Issuer.
2. Representment is invalid if
a Fulfilment Message was
not transmitted
electronically through the
Electronic Documentation
Transfer Method.
1. Credit or Reversal
was processed.
Either that applies:

1. CRED MMDDYY
ARN X...X
(23 or 24 digits); or
2. REVERSAL
MMDDYY.
None required
2. Issuer did not meet

the applicable
Chargeback
conditions.
X...X (Specify the

reason)
None required
3. Acquirer can
remedy the
Chargeback.
None required
Both:

The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E); and
Legible copy of the
1-37
75
Reason Code 75 Transaction not recognised

Dispute Group 1 Reason Code 75

Condition
Description
Page
The Cardholder does not recognise the Transaction and additional information
beyond the data required in the Clearing Record is needed to determine
Transaction validity.
1 - 39
Additional Information
1. Visa Europe recommends that the Acquirer supply all available Transaction details when responding to
Chargeback Reason Code 75 Transaction not recognised.
2. Chargeback is applicable if required data in the Clearing Record is insufficient to identify the Transaction
(for example, Merchant name missing or unrecognisable to the Cardholder).
3. 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 Issuers Retrieval Request or responded with a Non-fulfilment Message
code 03 or 04; and
b) Cardholder required more information about the Transaction.
4. For Chargeback Rights and Limitations 1, use the Mail/Phone Order, Electronic Commerce Indicator or the
Merchant Category Code to determine the type of Transaction.
1-38

15 May 2013
75

15 May 2013
Member Message Text
Documentation
1. The Issuer must retrieve a copy of the

Transaction Receipt prior to exercising a
Chargeback unless the Transaction is one of the
following:
a) Mail/Phone Order;
b) Electronic Commerce Transaction;
c) Recurring Transaction;
d) EMV PIN Transaction (excluding Manual Cash
and Quasi-Cash Transactions and requests for
T&E documents);
e) Effective for Transactions with a Transaction
Date on or after 13 October 2012, Proximity
Payments performed using a PIN or CDCVM
(excluding Manual Cash Disbursements,
Quasi-Cash Transactions and requests for
T&E Documents); or
f) Transaction at an Unattended Acceptance
Terminal.
2. If a Retrieval Request is required, Issuer must
wait 30 calendar days from the Retrieval Request
Processing Date to receive the Fulfilment or Nonfulfilment Message code prior to exercising the
Chargeback. The waiting period does not apply if
a Fulfilment or Non-fulfilment Message is
received.
3. Chargeback is invalid if any of the following
apply:
a) Issuer used Retrieval Request reason code 33,
Fraud Analysis Request or Retrieval Request
reason code 34, Legal Process Request;
b) Acquirer supplies a Fulfilment with all required
data specified in Section 1.3.C;
c) Lodging/Car Rental No-Show indicator in the
Clearing Record is 1; or
d) Effective for Transactions with a Transaction
Date up to and including 12 October 2012,
Acquirer provided evidence of an Imprint and
signature or PIN.
e) Effective for Transactions with a Transaction
Date on or after 13 October 2012, Acquirer
provided evidence of an Imprint and either
signature, PIN or CDCVM.
4. Chargeback does not apply to an Electronic
Commerce Transaction that was coded with ECI
value 5 or 6.

1. Effective for
Chargebacks initiated up
to and including a
Processing Date of 19
April 2013, both:
a) XX CH DOES NOT
recognise
XX must be one of
the following codes:
01=Merchant Name
02=Merchant Location
03=Transaction
Amount
04=Transaction Date
05=Other (must
specify); and
b) RR DATE MMDDYY (if
requested Transaction
Receipt not fulfilled);
or
2. Effective for
Chargebacks initiated on
or after a Processing
Date of 20 April 2013,
RR DATE MMDDYY (if
request Transaction
Receipt not fulfilled).
None required

1-39
Chargeback Rights and Limitations (Continued)
Member Message Text
Documentation
3. Chargeback is invalid when Cardholder states

Transaction was fraudulent.
4. Chargeback is invalid for both:
a) Telephone Service Transactions; and
b) ATM Cash Disbursements.
5. Chargeback is invalid when any of the following
apply:
a) Retrieval Request was not transmitted
through the Electronic Documentation
Transfer Method; or
b) Acquirer provides the Clearing Record in
response to a Retrieval Request to
demonstrate that a Credit Transaction Receipt
was processed.
1-40

15 May 2013
75

15 May 2013

Limitations
Representment
Conditions
Member
Message Text
Documentation
1. Effective for Chargebacks

initiated up to and
including a Processing
Date of 19 April 2013,
Representment must
include additional
information or
Transaction data that was
not required in the
Clearing Record.
initiated on or after a
Processing Date of
20 April 2013,
Representment must
include a copy of the
Transaction Receipt or a
detailed description of the
goods or services
purchased and any other
not required in the
Clearing Record.
3. Effective for Transactions
with a Transaction Date
up to and including
12 October 2012, for nonEMV PIN Transactions,
representment is invalid if
Acquirer failed to respond
to Retrieval Request or
responded with a Nonfulfilment Message code
03 or 04, or provided
a Fulfilment which does
not contain all the
required data elements, as
specified in the Visa
Europe Operating
Regulations,
Volume IIDispute
Resolution Rules,
Section 1.3.C.2.
1. Credit or
reversal was
processed.
Either that
applies:
None required
2. Issuer did not

meet the
applicable
Chargeback
conditions.
X...X (Specify the

reason)
None required
3. Acquirer can
remedy the
Chargeback.
None required
Either:
CRED
MMDDYY
ARN X...X
(23 or 24
digits); or
REVERSAL
MMDDYY.
Representment for an
Aggregated Transaction must
include details of the individual
purchases that have been
aggregated, as specified in the
Visa Europe Operating
Regulations, Volume IGeneral
Rules, Section 5.2.B.6.a; or
All of the following:
- The Electronic
Documentation Transfer
Method questionnaire
(Exhibit 2E);
- Effective for Chargebacks
initiated up to and
including a Processing
Date of 19 April 2013, copy
of Transaction Receipt or
other document with
additional information or
not required on the Clearing
Record; and
- Effective for Chargebacks
Processing Date of 20 April
2013, a copy of Transaction
Receipt or a detailed
description of the goods or
services purchased and any
other Transaction data that
was not required in the
Clearing Record.

1-41

Limitations (Continued)
Representment
Conditions
Member
Message Text
Documentation

on or after 13 October
2012 and up to and
including 19 April 2013,
for Transactions that are
not EMV PIN
Transactions, or Proximity
Payments performed
using a PIN or CDCVM,
Representment is invalid if
"03" or "04", or provided
a Fulfillment which does
not contain all the
required data elements.
on or after 20 April 2013,
for Transactions that are
not EMV PIN Transactions
or Proximity Payments in
which a PIN or CDCVM
was used, Representment
is invalid if Acquirer failed
to respond to a Retrieval
Request or responded
with a Non-fulfilment
Message Code 03 or
04, or provided a
Fulfillment which does not
contain all the required
data elements. This
requirement does not
apply to Mail/Phone
Order Transactions,
Electronic Commerce
Transactions and
Recurring Transactions.
1-42

15 May 2013

Representment
Conditions
Member
Message Text
Documentation
15 May 2013

up to and including
12 October 2012, for EMV
PIN Transactions,
03 or 04 and any of
the following (for
qualifying Transactions
and effective dates, refer
to Additional
Information):
a) Transaction was
Manual Cash or QuasiCash; and
b) Retrieval Request
reason code was "29"1.
on or after 13 October
2012, for EMV PIN
Transactions, or Proximity
Payments performed
using a PIN or CDCVM,
representment is invalid if
responded with a
Non-fulfilment Message
code "03" or "04" and any
of the following:
a) Transaction was
Manual Cash
Disbursement or
Quasi-Cash
Transaction; and
b) Retrieval Request
reason code was for a
T&E Transaction2.

1-43

Representment
Conditions
Member
Message Text
Documentation
8. Representment for an
Aggregated Transaction
must include details of the
individual purchases that
have been aggregated, as
specified in the Visa
Europe Operating
Regulations,
Volume IGeneral Rules,
Section 5.2.B.6.a.
9. Representment is invalid if
a Fulfilment or Nonfulfilment Message was
not transmitted through
the Electronic
Method.
1. Effective for Transactions with a Transaction Date up to and including 12 October 2012, for T&E Document Fulfilment,
Transaction Receipt is optional.
2. Effective for Transactions with a Transaction Date on or after 13 October 2012, a Transaction Receipt is optional where
the Fulfilment is for a T&E Document.
1-44

15 May 2013
Dispute Group 2Fraud
1.7
DISPUTE GROUP 2FRAUD

A fraudulent Transaction was processed, or the Account Number used to process the Transaction was
fictitious or no longer valid, or a Merchant was identified by the Merchant Fraud Performance Program.
57Fraudulent Multiple Transactions
62Counterfeit Transaction
81FraudCard-Present Environment
83FraudCard-Absent Environment
93Merchant Fraud Performance Program
Multiple Transactions occurred on a single Card at the same Merchant Outlet without the Cardholders
permission.
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.
Reason Code 81 FraudCard-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 Cardholders 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.
Reason Code 83 FraudCard-Absent Environment

A Mail/Phone Order, Recurring, or Electronic Commerce Transaction was processed without the
Cardholders permission, or a Fictitious Account Number was used, or no valid Card was outstanding
bearing the Account Number on the Transaction Receipt.
Reason Code 93 Merchant Fraud Performance Program

Visa Europe notified the Issuer that the Transaction is identified by the Merchant Fraud Performance
Program.
Table 1-22
15 May 2013
General Requirements For Dispute Group 2Fraud

Chargeback
Representment
Time Limit
1. 120 calendar days from the 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.

General Rights and

Limitations
If a Retrieval Request is required, Issuer must

wait 30 calendar days from the Retrieval
Request date to receive a Fulfilment or Nonfulfilment Message prior to exercising a
Chargeback.
Additional
Information
1. If the Fulfilment was not received, Issuer may recover the Retrieval Request fee
specified in the Visa Europe Operating Regulations, Volume IGeneral Rules,
Section 8.7.B .
2. The Acquirer must not reassess the Retrieval Request fee to the Issuer.
3. Effective for Representments processed on or after 20 April 2013, the Issuer
should attempt to address any Compelling Evidence.

1-45
Reason Code 57 Fraudulent Multiple Transactions
57

Multiple Transactions occurred on a single Card at the same Merchant Outlet without the Cardholders
permission.
Condition
Description
Page

1. All disputed Transactions occurred at the same Merchant Outlet;
2. Cardholder acknowledges participating in at least one Transaction at the same
Merchant Outlet;
3. Cardholder denies authorizing or participating in the disputed Transaction; and
4. Card was in Cardholders possession at the time of the disputed Transaction.
1 - 47
1. The Transaction Receipts may contain different Transaction Dates and Transaction Amount.
2. A Chargeback may be considered invalid for POS Entry Mode 90, 91, 05 or 07 Transactions
completed more than 15 minutes apart. However, Visa Europe may take other factors into consideration
when determining if multiple unauthorized Transactions occurred.
1-46

15 May 2013
57

15 May 2013
Member Message Text
Documentation
1. Issuer must make a Retrieval

Request for the disputed
Transactions.
2. A Retrieval Request is not
required if the disputed
Transaction is a Small Ticket
Transaction.
3. Effective for Transactions with a
Transaction Date on or after
13 October 2012, Chargeback is
invalid for Proximity Payments
performed using a PIN or
CDCVM.
4. Chargeback is invalid for
Transactions occurring in the
Card-Absent Environment.
5. Chargeback is invalid for EMV PIN
Transactions.
6. Chargeback is invalid for delayed
or amended charges.
7. Chargeback is invalid for ATM
Cash Disbursements
8. Chargeback minimum for a T&E
Transaction is US $25 or
equivalent.
Emergency Cash Disbursements.
RR DATE MMDDYY, if
Receipts not fulfilled.

1. The Electronic Documentation
Transfer Method questionnaire
(Exhibit 2E); and
2. Cardholder letter that:
a) Acknowledges participation in
at least one Transaction;
b) Denies authorizing or
participating in the disputed
Transaction; and
c) States that the Card was in the
Cardholders possession at the
time the disputed Transaction
occurred.
3. If acknowledged Transaction was
not processed, Issuer must supply
the Cardholder copy of the


1. All disputed Transactions occurred at the same Merchant Outlet.
2. Cardholder acknowledges participating in at least one Transaction at the same Merchant
Outlet.
3. Cardholder denies authorizing or participating in the disputed Transaction.
1-47
57

1. All disputed Transactions occurred at the same Merchant Outlet.
2. Cardholder acknowledges participating in at least one Transaction at the same Merchant
Outlet.
.
Representment
Rights and
Limitations
Representment
Conditions
Member Message
Text
Documentation
Representment is
invalid if Acquirer
failed to respond to
Retrieval Request or
responded with a
Non-fulfilment
Message code 03
or 04.
1. Credit or
Reversal was
processed.

1. CRED
MMDDYY ARN
X...X
(23 or 24
digits); or
2. REVERSAL
MMDDYY.
None required
2. Issuer did not

meet the
applicable
Chargeback
conditions.
X...X (Specify the

reasons)
None required
3. Acquirer can
remedy the
Chargeback.
None required

(Exhibit 2E).
2. Irrefutable evidence to demonstrate
the Cardholder participated in the
disputed Transaction(s).
3. Evidence that Transactions occurred
in the Card-Absent Environment (if
applicable).
4. Evidence that Transactions were
EMV PIN Transactions (if applicable).
5. Evidence that Transactions represent
valid delayed or amended charges for
a T&E Transaction.
NOTE: Please refer to the Additional Information on page 1 - 46.
1-48

15 May 2013
62
15 May 2013
Condition
Description
Page

a) Cardholder denies authorizing or participating in the disputed Transaction;
b) Card Verification Value was encoded on the Magnetic Stripe, or the Integrated
Circuit Card Verification Value (iCVV) or the CVV was in the Magnetic Stripe
Image (MSI) of the Chip, or Dynamic Card Verification Value (dCVV) can be
produced by the Chip of the Card in question; and
c) Online Authorization was obtained without transmission of the entire unaltered
data on track 1 or 2.
1 - 51
Cardholder denies authorizing or participating in the disputed Transaction and all of

the following (for qualifying Transactions and effective dates, refer to Additional
Information):
a) Card is a Chip Card containing a Visa Smart Payment;
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 Europe Operating Regulations, Volume IGeneral Rules; and
c) Effective for Transactions completed on or after 1 May 2012, if Online
Authorization was obtained, the Authorization record indicates that the CVV
passed verification.
1 - 53

a) Cardholder denies authorizing or participating in the disputed Transaction; and
b) Transaction was completed with a Counterfeit Card and was a Manual Cash
Disbursement or a Quasi-Cash Transaction completed in a Face-to-Face
Environment; and
c) The Merchant and the Member fail to both:
i. Compare the first four digits of the embossed or printed Account Number with
the four digits printed below the embossed or printed Account Number; and
ii. Record the printed digits on the Transaction Receipt.
1 - 55

1-49
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, or a Counterfeit Transaction occurred at a Merchant or Member location where required risk
control procedures were not followed.
1. Prior to initiating a Chargeback, the Issuer should research relevant data in the Authorization message.
2. For Representment Rights and Limitations 3, 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.
3. For Condition 2 only, use VIP Field 44.5 CVV Results Code field to determine if the CVV passed verification.
4. For Condition 2 only, the EMV liability shift principles, as specified in the Visa Europe Operating Regulations,
Volume IGeneral Rules, Section 3.3.B and the Visa Europe Operating Regulations, Volume IGeneral Rules,
Section 4.6, apply to all Visa Europe Transactions, and to the following applicable International
Transactions:
- Visa Inc. (CEMEA):
Effective from 1 October 2006, International Transactions between Visa Europe and Visa Inc. (CEMEA),
that are either of the following types:
a) Counterfeit Transactions at a Point-of Transaction, excluding ATM Cash Disbursements; or
b) Fraudulent Transactions that are not Counterfeit Transactions, taking place in a Card-Present
Environment.
Effective from 1 July 2008, all International Transactions between Visa Europe and Visa Inc. (CEMEA).
Effective from 17 October 2009, all International Transactions between Visa Europe and Visa Inc.
(CEMEA, excluding Pakistan and Afghanistan who joined CEMEA on 17 October 2009).
(CEMEA, including Pakistan and Afghanistan).
- Visa Inc. (Canada):
(Canada).
- Visa Inc. (Asia Pacific):
Effective from 1 October 2010, International Transactions between Visa Europe and Visa Inc. (Asia
Pacific - All Countries), that are Counterfeit Transactions at a Point-of Transaction, excluding ATM Cash
Disbursements.
Effective from 1 April 2013, International Transactions between Visa Europe and Visa Inc. (Australia and
New Zealand only) that are ATM Cash Disbursements.
- Visa Inc. (LAC):
Effective from 1 April 2011, International Transactions between Visa Europe and Visa Inc. (Brazil and
Mexico only), that are either of the following types:
Environment.
Effective from 1 October 2012, all International Transactions between Visa Europe and Visa Inc. (Brazil
and Mexico only).
Effective from 1 October 2012, International Transactions between Visa Europe and Visa Inc. (LAC - All
countries not already covered by the EMV liability shift) that are Counterfeit Transactions at a Point-of
Transaction, excluding ATM Cash Disbursements.
Effective from 1 October 2014, all International Transactions between Visa Europe and Visa Inc. (LAC All countries not already covered by the EMV liability shift).
- Visa Inc. (USA):
Effective from 1 October 2015, International Transactions between Visa Europe and Visa Inc. (USA), that
are Counterfeit Transactions at a Point-of-Transaction, excluding ATM Cash Disbursements and
Transactions at Automated Fuel Dispensers.
are Counterfeit Transactions at a Point-of-Transaction, excluding ATM Cash Disbursements.
5. For Condition 3 only and for pre-Compliance cases filed up to and including 16 October 2009, see the Visa
Europe Operating Regulations, Volume IGeneral Rules.
1-50

15 May 2013
62

Member Message Text
Documentation
1. 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
Response, for a minimum of 30
calendar days; and
c) Report the fraud activity through the
Visa System using Fraud Type code
4.
2. Chargeback is invalid for key-entered
Transactions.
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.
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 or Visa Europe
Authorization Service record POS
Entry Mode code value is 05, 07,
90 or 91;
b) Effective until 12 October 2012, all
data elements that create the EMVOnline Card Authentication
Cryptogram are contained in the
message; or
c) Effective from 13 October 2012, all
data elements that create the EMVOnline Card Authentication
Cryptogram are contained in the
Authorization Request.
completed with a Proprietary Card
bearing the Plus Symbol.
8. Chargeback is invalid for Emergency
Cash Disbursements.
For an ATM Transaction:

CH DISP, CVV
ENCODED, FRD RPT, ISS
CVS PARTICIPANT
For an ATM Transaction, none

required.
For all other Transactions, both:
(Exhibit 2E) certifying all of the
following:
a) Card Verification Value was
encoded on the Card in
question; and
b) Issuer was a participant in the
Card Verification Service at
the time of Authorization.
2. Cardholder letter denying
authorization or participation in
the Transaction.
15 May 2013

1-51

2. Card Verification Value was encoded on the Magnetic Stripe, or the Integrated Circuit Card
Verification Value (iCVV) or the CVV was in the Magnetic Stripe Image (MSI) of the Chip, or
Dynamic Card Verification Value (dCVV) can be produced by the Chip of the Card in question.
3. Online Authorization was obtained without transmission of the entire unaltered data on track
1 or 2.
62

2. Card Verification Value was encoded on the Magnetic Stripe, or the Integrated Circuit Card
Verification Value (iCVV) or the CVV was in the Magnetic Stripe Image (MSI) of the Chip, or
Dynamic Card Verification Value (dCVV) can be produced by the Chip of the Card in question.
3. Online Authorization was obtained without transmission of the entire unaltered data on track
1 or 2.

Limitations
Representment
Conditions
Member Message Text
Documentation

authorized up to and
including 31 December
2013, the Acquirer or Load
Acquirer must have been
certified as a Card
Verification Service
participant at the time the
Authorization occurred.
authorized on or after
1 January 2014, the Acquirer
must have been certified as a
Card Verification Service
3. For a Representment due to
an Issuer failing to meet the
requirements specified in
Chargeback Rights and
Limitations 1, the Acquirer
must provide information/
this claim.
4. An Acquirer in the Territory
may recover the retrieval fee
assessed by Visa Europe for
the Authorization Transaction
Research Service Detail Report
from the Issuer if both:
a) The Chargeback is
invalid; and
b) Report is required
documentation to
support the
Representment.
was processed.

1. CRED MMDDYY ARN
X...X (23 or 24 digits);
or
2. REVERSAL MMDDYY.
None required

the applicable
Chargeback
conditions.
X...X (Specify the reasons)
As applicable
3. Acquirer can
remedy the
Chargeback.

1. AUTH DATE
MMDDYY CODE X...X
POS XX (Specify POS
Entry Mode code
value); or
2. AUTHENTICATION
CRYPT IN AUTH.
As applicable
1-52

15 May 2013
62

Member Message Text
Documentation
1. The Issuer must meet all of the following

conditions on or before the Chargeback
Processing Date:
b) List the Account Number on the Exception File
with a Pickup Response, for a minimum of 60
calendar days; and
c) Report the fraud activity through the Visa
System using fraud type code 4.
Transactions.
3. Chargeback is invalid if Authorization record
contains a POS Entry Mode code value of "90" and
the Service Code encoded on the Magnetic Stripe
of the Card does not indicate the presence of a
Chip.
4. Effective for Transactions completed on or after
1 May 2012, Chargeback is invalid if CVV
verification was not performed or the
Authorization record indicates that the CVV failed
verification.
5. Chargeback is valid if all the following apply:
a) Transaction takes place at an Unattended
Acceptance Terminal assigned one of the
following Merchant Category Codes:
i. 4111 Local and Suburban Commuter
Passenger Transportation, including Ferries;
ii. 4112 Passenger Railways;
iii. 4131 Bus Lines;
iv. 4784 Tolls and Bridge Fees; and
v. 7523 Parking Lots and Garages.
b) Transaction value is greater than or equal to
25; and
c) Account Number was listed on the Exception
File with a Pick-up Response on or before the
Transaction Date and was on the Exception File
for a minimum of 60 calendar days from the
date of listing.
6. Chargeback is invalid for Emergency Cash
Disbursements.
EMV CARD, NON EMV

DEVICE
Both:
1. The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E).
2. Cardholder letter
denying
authorization or
participation in the
Transaction.
15 May 2013

1-53
Cardholder denies authorizing or participating in the disputed Transaction and all of the following (for
qualifying Transactions and effective dates, refer to Additional Information):
1. Card is a Chip Card containing a Visa Smart Payment;
2. 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 Europe
Operating Regulations, Volume IGeneral Rules; and
3. Effective for Transactions completed on or after 1 May 2012, if Online Authorization was
obtained, the Authorization record indicates that the CVV passed verification.
62

Cardholder denies authorizing or participating in the disputed Transaction and all of the following (for
qualifying Transactions and effective dates, refer to Additional Information):
1. Card is a Chip Card containing a Visa Smart Payment;
2. 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 Europe
Operating Regulations, Volume IGeneral Rules; and
3. Effective for Transactions completed on or after 1 May 2012, if Online Authorization was
obtained, the Authorization record indicates that the CVV passed verification.

Limitations
Representment
Conditions
Member Message Text
Documentation

authorized up to and
including 31 December
2013, the Acquirer or Load
Acquirer must have been
certified as a Card
Verification Service
authorized on or after
1 January 2014, the Acquirer
must have been certified as a
3. For a Representment due to
an Issuer failing to meet the
Limitations 1, the Acquirer
must provide information/
this claim.
4. An Acquirer in the Territory
may recover the retrieval fee
assessed by Visa Europe for
the Authorization Transaction
Research Service Detail Report
from the Issuer if both:
a) The Chargeback is
invalid; and
b) Report is required
documentation to
support the
Representment
was processed.

1. CRED MMDDYY ARN
or
2. REVERSAL MMDDYY.
None required

the Chargeback
conditions.

1. X...X (Specify the
reasons);
2. EMV DEVICE, POS 90,
NON CHIP SVCE
CODE; or
3. EXCP FILE NOT LSTD,
FRD NOT RPT, ACC
NOT CLSD.
As applicable
3. Acquirer can
remedy the
Chargeback.
As applicable
1-54

15 May 2013
62

Member Message
Text
Documentation
1. The Issuer must meet all of the

following conditions on or before the
Chargeback Processing Date:
b) List the Account Number on the
Exception File with a Pickup
Response, for a minimum of 30
calendar days; and
c) Report the fraud activity through
the Visa System using fraud type
code 4.
invalid for Proximity Payments using a
Portable Payment Device.
3. Chargeback is invalid for Emergency
Cash Disbursements.
EMBOSSED/PRINTED
DIGITS NOT
COMPARED

(Exhibit 2E);
2. Copy of legible Transaction
Receipt; and
3. Cardholder letter denying
Authorization or participation in the
Transaction.
15 May 2013

1-55
Cardholder denies authorizing or participating in the disputed Transaction;
Transaction was completed with a Counterfeit Card and was a Manual Cash Disbursement or
a Quasi-Cash Transaction completed in a Face-to-Face Environment; and
The Merchant and the Member fail to both:

Compare the first four digits of the embossed or printed Account Number with the four
digits printed below the embossed or printed Account Number; and
Record the printed digits on the Transaction Receipt.
62

Cardholder denies authorizing or participating in the disputed Transaction;
Transaction was completed with a Counterfeit Card and was a Manual Cash Disbursement or
a Quasi-Cash Transaction completed in a Face-to-Face Environment; and
The Merchant and the Member fail to both:

Compare the first four digits of the embossed or printed Account Number with the four
digits printed below the embossed or printed Account Number; and
Record the printed digits on the Transaction Receipt.

Limitations
Representment
Conditions
Member Message Text
Documentation
For a Representment due to an

Issuer failing to meet the
Limitations 1, the Acquirer must
provide documentation to
support their claim.
was processed.

1. CRED MMDDYY ARN
or
2. REVERSAL MMDDYY
None required

the applicable
Chargeback
conditions.

reasons); or
2. FRD NOT RPT, EXCP
FILE NOT LSTD, ACC
NOT CLSD.
As applicable
3. Acquirer can
remedy the
Chargeback.
X...X (Specify the reason)
As applicable
1-56

15 May 2013
81

A Merchant did not obtain an Imprint and either a signature, a PIN, or effective from 13 October 2012,
a CDCVM in a Card-Present Environment, and the Merchant completed the Transaction without the
Cardholders 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.
15 May 2013
Condition
Description
Page
Cardholder did not authorize or participate in a Card-Present Environment

Transaction.
1 - 59
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 - 63
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 Europe Operating Regulations; or
b) Chip-initiated Transaction took place at a device that was not EMV PINcompliant.
1 - 67

1-57
Dispute Group 2 Reason Code 81 Conditions
1. Signature on file notation is not an acceptable signature.

2. The EMV liability shift principles, as specified in the Visa Europe Operating Regulations, Volume IGeneral
Rules, Section 3.3.B and the Visa Europe Operating Regulations, Volume IGeneral Rules, Section 4.6, apply to all
Visa Europe Transactions, and to the following applicable International Transactions:
Environment.
(Canada).
Disbursements.
- Visa Inc. (LAC):
Environment.
and Mexico only).
- Visa Inc. (USA):
are Counterfeit Transactions at a Point-of-Transaction, excluding ATM Cash Disbursements and
are Counterfeit Transactions at a Point-of-Transaction, excluding ATM Cash Disbursements.
3. For Representment Rights and Limitations 3, 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 Transactions were not reported as fraud1.
4. Pencil rubbing of Card or photocopy of Card is not considered proof of valid imprint.
5. Validity of the Chargeback is not dependent on Authorization.
6. For an Airline Transaction an Acquirer may represent with compelling evidence of Cardholder participation.
1. Applies to conditions 1 and 3 only.
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15 May 2013
81

15 May 2013
Member Message Text
Documentation
1. Issuer must request a copy of the Transaction

Receipt prior to exercising a Chargeback unless
the Transaction is a Cardholder-Activated
Transaction at an Unattended Acceptance
Terminal.
2. Issuer must meet all of the following conditions
on or before the Chargeback Processing Date:
calendar
days; and
System.
3. One Chargeback may contain up to 25 Telephone
Service Transactions at an Unattended
Acceptance Terminal if all of the following apply:
a) Each Transaction Amount is less than US $40
or equivalent;
b) All of the Transactions appear on Summary of
Unauthorized Telephone Service Transactions
(Exhibit 2F); and
c) Chargeback uses the Acquirer Reference
Number/Tracing Data of the earliest
Transaction.
4. Chargeback is invalid if both of the following were
obtained:
a) Legible imprint for the Transaction in question;
and
b) Either:
i. Effective for Transactions with a
Transaction Date up to and including
12 October 2012, signature or PIN; or
ii. Effective for Transactions with a
Transaction Date on or after 13 October
2012, signature, PIN, or CDCVM.
5. Chargeback is invalid for an ATM Transaction.
6. Chargeback is invalid for all Cardholder-Activated
Transactions at an Unattended Acceptance
Terminal that:
a) Originated with a Counterfeit Card; and
b) Received an Approval Response to an
Authorization request that included a 90,
91,05 or 07 in the POS Entry Mode code
field; and
c) For Visa Europe Transactions, are initiated with
either:
i. A Magnetic Stripe-only Card; or
ii. A Chip Card that is EMV-Compliant and
Signature-Preferring.
RR DATE MMDDYY, if
Receipts not fulfilled

1. The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E).
denying
Authorization or
Transaction.
3. The information
required on the
Summary of
Unauthorized
Telephone Service
Transactions
(Exhibit 2F Issuer) if
applicable.

1-59
Cardholder did not authorize or participate in a Card-Present Environment Transaction.
Member Message Text
Documentation
7. Chargeback is invalid for a Cardholder-Activated

Transaction that is below the Floor Limit and that
takes place at an Unattended Acceptance
Terminal assigned one of the following Merchant
Category Codes:
a) 4111 Local and Suburban Commuter Passenger
Transportation, including Ferries;
b) 4112 Passenger Railways;
c) 4131 Bus Lines;
d) 4784 Tolls and Bridge Fees; and
e) 7523 Parking Lots and Garages.
8. Chargeback minimum for a T&E Transaction is US
$25 or equivalent.
9. Chargeback invalid for a Small Ticket Transaction.
10.Chargeback is invalid for Emergency Cash
Disbursements.
1-60

15 May 2013
81

15 May 2013

Limitations
Representment
Conditions
Member Message
Text
Documentation
1. For a Representment
due to an Issuer failing to
meet the requirements
specified in Chargeback
Rights and Limitations 2,
the Acquirer must
provide information/
documentation to
support this claim such
as evidence indicating
Card Account Number
was not listed on the
Exception File, or
account was not closed,
or Transactions were not
reported as fraud.
2. For a Transaction at an
Unattended Acceptance
Terminal, Transaction
was reported as
counterfeit fraud type
code 4.
3. Representment is invalid
if Acquirer failed to
respond to Retrieval
Message code 03 or
04, or provided a
Fulfilment which does
not contain all the
required data elements,
as specified in
Section 1.3.C.2.
1. Credit or
Reversal was
processed.

1. CRED MMDDYY
ARN X...X (23 or
24 digits); or
2. REVERSAL
MMDDYY.
None required
2. Issuer did not

meet the
applicable
Chargeback
conditions.
X...X (Specify the

reason)
As applicable
3. Acquirer can
remedy the
Chargeback.
None required
The Electronic Documentation

(Exhibit 2E), and one of the
following:
1. Evidence of both:
a) A legible Imprint for the
Transaction in question; and
b) Either:
i. Effective for
Transactions with a
Transaction Date up to
and including
12 October 2012, a
signature or PIN; or
ii. Effective for
Transactions with a
Transaction Date on or
after 13 October 2012, a
signature, PIN, or
CDCVM.
with a Transaction Date up to
and including 12 October
2012, for a below-Floor Limit
Transaction, evidence of
signature or PIN and internal
record or log proving
Magnetic-Stripe read or chipinitiated, with explanation of
fields.

1-61
Cardholder did not authorize or participate in a Card-Present Environment Transaction.

Representment
Conditions
Member Message
Text
Documentation

with a Transaction Date on or
after 13 October 2012, for a
Transaction below the Floor
Limit, both:
a) Evidence of signature, PIN,
or CDCVM, if applicable;
and
b) Internal record or log with
explanation of fields proving
that the Transaction was a
Magnetic-Stripe read
Transaction, a Chipinitiated Transaction, or a
Proximity Payment.
4. For an above-Floor Limit
Transaction that was keyentered following a Referral
Response, all of the following:
a) Referral Authorization
record proving MagneticStripe read or Chip-initiated
within 24 hours of the
Transaction;
b) International Automated
Referral Service log; and
c) Evidence of signature or
PIN.
5. Effective for Representments
processed up to and including
19 April 2013, for an Airline
Transaction only, compelling
evidence that the Cardholder
participated in the Airline
Transaction.
4. Effective for
Representme
nts on or after
20 April
2013,
Acquirer can
provide
Compelling
Evidence.
None required
Both:
Transfer Method
questionnaire (Exhibit 2E); and
2. Compelling Evidence.
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15 May 2013
81

15 May 2013
Member Message Text
Documentation
1. Issuer must request a copy of the Transaction

Receipt prior to exercising a Chargeback unless the
Transaction is a Cardholder-Activated Transaction at
an Unattended Acceptance Terminal.
Service Transactions at an Unattended Acceptance
Terminal if all of the following apply:
a) Each Transaction Amount is less than US $40 or
equivalent;
b) All of the Transactions appear on Summary of
(Exhibit 2F Issuer); and
c) Chargeback uses the Acquirer Reference Number/
Tracing Data of the earliest Transaction.
3. Chargeback is invalid if the Transaction received an
Authorization.
obtained:
a) A legible imprint for the Transaction in question;
and
b) Either:
i. Effective for Transactions with a Transaction
Date up to and including 12 October 2012,
signature or PIN.
ii. Effective for Transactions with a Transaction
Date on or after 13 October 2012, signature,
PIN, or CDCVM.
5. Chargeback is invalid for an ATM Transaction.
6. Chargeback is invalid for a Cardholder-Activated
Transaction that is below the Floor Limit and that
takes place at an Unattended Acceptance Terminal
with one of the following Merchant Category Codes:
a) 4111 Local and Suburban Commuter Passenger
Transportation, including Ferries;
b) 4112 Passenger Railways;
c) 4131 Bus Lines;
d) 4784 Tolls and Bridge Fees; or
e) 7523 Parking Lots and Garages.
7. For a Transaction at an Unattended Acceptance
Terminal, the Account Number must both:
a) Be listed on the Exception File with a Pickup
Response on or before the Chargeback Processing
Date; and
b) Remain on the Exception File for a minimum of 90
calendar days following the Chargeback.
$25 or equivalent.

1. NO SUCH CARD;
2. FICTITIOUS
ACCOUNT
NUMBER, or
3. RR DATE MMDDYY,
if requested
Transaction Receipt
not fulfilled
None

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.
1-63
Member Message Text
Documentation

Disbursements.
10.Effective for Chargebacks initiated on or after a
Processing Date of 20 April 2013, the Issuer must
meet both of the following conditions on or before
the Processing Date of the Chargeback:
a) List the Account Number on the Exception File
calendar days; and
b) Report the fraud activity through the Visa System.

1-64

15 May 2013
81

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
15 May 2013
Representment
Conditions
Member Message
Text
Documentation
Acquirer failed to respond to
a Retrieval Request or
03 or 04, or provided a
Fulfilment which does not
contain all the required data
elements, as specified in
the, Section 1.3.C.2.
1. Credit or
Reversal was
processed.

1. CRED MMDDYY
ARN X...X
2. REVERSAL
MMDDYY
None required
2. Issuer did not

meet the
applicable
Chargeback
conditions.
X...X (Specify the

reasons)
As applicable
3. Acquirer can
remedy the
Chargeback.
None required

following:
a) A legible Imprint for the
Transaction in question;
and
b) Either:
i. Effective for
Transactions with a
Transaction Date up
to and including
12 October 2012, a
signature or PIN; or
ii. Effective for
Transactions with a
Transaction Date on
or after 13 October
2012, a signature, PIN
or CDCVM.
with a Transaction Date up
to and including 12 October
2012, for a Transaction
below the Floor Limit,
evidence of signature or PIN
and internal record or log
proving Magnetic-Stripe
read Transaction or Chipinitiated Transaction, with
explanation of fields.


Limitations
1-65

Representment
Conditions
Member Message
Text
Documentation

with a Transaction Date on
or after 13 October 2012,
for a Transaction below the
Floor Limit, both:
a) Evidence of signature,
PIN or CDCVM (if
applicable); and
b) Internal record or log
with explanation of fields
proving that the
Transaction was a
Magnetic-Stripe read
Transaction, a Chipinitiated Transaction or a
Proximity Payment.
4. For an above-Floor Limit
Transaction that was keyentered 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; and
c) Evidence of signature or
PIN.
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15 May 2013
81

Member Message Text
Documentation
1. The Issuer must meet all of the following

conditions on or before the Chargeback
Processing Date:
calendar days; and
System using fraud type codes 0, 1 or 2.
2. Chargeback is invalid if the Device is EMV PINCompliant and the Transaction was correctly
processed to completion in accordance with EMV
and VIS using the Chip Card data.
obtained:
a) Valid imprint for the Transaction in
question; and
b) PIN.
4. Effective for Transactions with a Transaction
Date on or after 13 October 2012, Chargeback is
invalid for a Proximity Payment.
5. Chargeback is valid for Transactions that take
place at an Unattended Acceptance Terminal if all
of the following apply:
a) Unattended Acceptance Terminal is assigned
one of the following Merchant Category Codes:
i. 4111 Local and Suburban Commuter
Passenger Transportation, including Ferries;
ii. 4112 Passenger Railways;
iii. 4131 Bus Lines;
iv. 4784 Tolls and Bridge Fees; or
v. 7523 Parking Lots and Garages.
b) Transaction value is greater than or equal to
25; and
c) Account Number was listed on the Exception
File with a Pick-up Response on or before the
Transaction Date and was on the Exception File
for a minimum of 60 calendar days from the
date of listing.
$25 or equivalent.
Disbursements.

1. PIN PREFERRING CHIP
CARD, DEVICE NON
PIN COMP; or
2. EMV CARD, NON
EMV DEVICE.

1. The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E).
denying
Authorization or
Transaction.
3. Issuer certification
that the Card was a
PIN-Preferring Chip
Card.
15 May 2013

1-67
Card is a PIN-Preferring Chip Card and either (for qualifying Transactions and effective dates, refer to
Additional Information):
1. 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 Europe Operating Regulations.
2. Chip-initiated Transaction took place at a device that was not EMV PIN-compliant.
81

Card is a PIN-Preferring Chip Card and either (for qualifying Transactions and effective dates, refer to
1. 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 Europe Operating Regulations; or
2. Chip-initiated Transaction took place at a device that was not EMV PIN-compliant.
Representment
Rights and
Limitations
Representment
Conditions
Member Message
Text
Documentation
For a
Representment
due to an Issuer
failing to meet
the requirements
specified in
Chargeback
Rights and
Limitations 1, the
Acquirer must
provide
information/
documentation
to support this
claim, such as
evidence that:
was processed.

1. CRED MMDDYY
ARN X...X
2. REVERSAL
MMDDYY
None required

the applicable
Chargeback
conditions.
Any that applies:

reasons)
2. EMV PIN COMPL
DVCE, NON PIN
PREF CD
3. NO PED, MAG
STRIPE READ
4. PIN BYPASS,
CVM/IAC
FOLLOWED
5. EXCP FILE NOT
LSTD, FRD NOT
RPT, ACC NOT
CLSD
As applicable
3. Acquirer can
remedy the
Chargeback.
None required

(Exhibit 2E) and one of the following:
a) A legible imprint for the
Transaction in question; and
b) PIN; or
13 October 2012, evidence that
the Transaction was a Proximity
Payment.
Account
Number was
not listed on
the Exception
File;
Account was
not closed;
Transactions
were not
reported as
fraud; or
Transaction
was reported
as counterfeit
fraud type 4.
1-68

15 May 2013
83

A Mail/Phone Order, Recurring, or Electronic Commerce Transaction was processed without the
Cardholders permission, or a Fictitious Account Number was used, or no valid Card was outstanding
bearing the Account Number on the Transaction Receipt.
Condition
Description
Page
Cardholder did not authorize or participate in a Card-Absent Environment

Transaction.
1 - 70
A Transaction that was fraudulent was completed in a Card-Absent 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 - 77
1. Signature on file notation is not an acceptable signature.
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 Transactions were not reported as
fraud.1
3. Pencil rubbing of Card or photocopy of Card is not considered proof of valid imprint.
4. For Chargeback Rights and Limitations 1, use the Mail/Phone Order Indicator, Electronic Commerce Indicator
or the Merchant Category Code to determine the type of Transaction.
5. An Acquirer may represent with compelling evidence of Cardholder participation.
1. Applies to condition 1 only.
15 May 2013

1-69
83

Cardholder did not authorize or participate in a Card-Absent Environment Transaction.

1-70
Member Message Text
Documentation
1. The Issuer must retrieve a copy of the Transaction

Receipt prior to exercising a Chargeback unless
the Transaction is one of the following:
b) Electronic Commerce Transaction; or
c) Recurring Transaction1.
2. On or before the Chargeback Processing Date, the
Issuer must complete all of the following:
calendar days; and
System.
Service Transactions if all of the following are true:
a) Amount of each Transaction is less than
US $40 or equivalent;
b) All Transactions appear on the Summary of
(Exhibit 2F Issuer); and
c) Chargeback uses the Acquirer Reference
Number/Tracing Data of the earliest
Transaction.
4. Chargeback is valid for an Electronic Commerce
Transaction where the Issuer responded to an
Authentication Request (PAReq) with either:
a) An Unable-to-Authenticate Response (PARes
value U) or Authentication Denial (PARes
value N); or
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; or
ii. Cardholder Authentication Verification
Value results code is 0.
5. Effective up to and including 14 March 2012,
Chargeback does not apply to Secure Electronic
Commerce Transactions if both2:
a) Issuer responded to an Authentication Request
with an Authentication Confirmation using
3-D Secure; and
b) Both of the following were included in the
Authorization Request:
i. Cardholder Authentication Verification
Value; and
ii. Authentication Identifier.
1. RR DATE MMDDYY, if
Receipts not fulfilled.
2. One of the following,
as applicable:
a) UNABLE TO
AUTHENTICATE
RESPONSE
b) AUTHENTICATION
DENIAL
c) CAVV AND
AUTHENTICATION
IDENTIFIER
MISSING IN AUTH
d) SEE 3-D SECURE
RESPONSE SENT
MMDDYY
All of the following

1. The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E).
denying
authorization or
Transaction.
3. The information
required on the
Summary of
Unauthorized
Telephone Service
Transactions
(Exhibit 2F Issuer) if
applicable.

15 May 2013
Member Message Text
Documentation
15 May 2013

6. Effective from 15 March 2012, Chargeback does

not apply to Secure Electronic Commerce
Transactions processed with Electronic
Commerce Indicator value 5 in the Authorization
Request, if both2:
a) Issuer responded to an Authentication Request
with an Authentication Confirmation (PARes
value Y) using 3-D Secure; and
b) The Cardholder Authentication Verification
Value was included in the Authorization
Request.
7. Chargeback does not apply to a NonAuthenticated Security Transaction3 coded with
ECI value 6 if either:
a) Issuer, or Visa Europe on behalf of the Issuer,
responded to an Authentication Request with a
Non-Participation Message (VERes value N);
or
b) Both:
i. Issuer, or Visa Europe on behalf of the Issuer,
responded to an Authentication Request
with an Attempt Response (PARes value
A) using 3-D Secure; and
ii. Effective up to and including 14 March
2012, a Cardholder Authentication
Verification Value and Authentication
Identifier were included in the Authorization
Request.
iii. Effective from 15 March 2012, a Cardholder
Authentication Verification Value was
included in the Authorization Request.
8. Chargeback is invalid for Transactions authorized
through the Emergency Payment Authorization
Service.
$25 or equivalent.
10. For Visa Europe Transactions, chargeback is
invalid for Transactions where all of the following
apply:
a) the Card Verification Value 2 presence indicator
in the Authorization Request is 1 - CVV2 value
is present;
b) the Card Verification Value 2 results code in the
Authorization message is N No match; and
c) the Authorization request was approved.
11. 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; and
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; or
iii. 9 Cardholder states CVV2 is not present
on the Card.
1-71
Member Message Text
Documentation

Disbursements.
1. For Visa Europe Transactions only, this does not apply if Visa Europe or the Acquirer confirms that the Transaction is a
Mail Order/Phone Order Transaction or Electronic Commerce Transaction.
2. 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 three additional months.
3. Effective up to and including 14 March 2012, excludes Transactions made with an anonymous Prepaid Card, attempted
International Transactions made with a Visa Commercial Card and Transactions conducted in New Channels.
Effective from 15 March 2012, excludes Transactions made with an anonymous Prepaid Card and attempted International
Transactions made with a Visa Commercial Card.

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15 May 2013
83

15 May 2013

Limitations
Representment
Conditions
Member Message
Text
Documentation
1. For a Representment due

to an Issuer failing to
meet the requirements
as specified in
Limitations 2, the
Acquirer must provide
information/
documentation to
support this claim.
Message code 03 or
04, or provided a
not contain all the
as specified in the Visa
Europe Operating
Regulations,
Volume IIDispute
Resolution Rules,
Section 1.3.C.2.
3. Transaction Receipt
contains both a signature
(or PIN was obtained)
and an Electronic Imprint
(use of POS Entry Code
02, 90, 07 or 05)
or a Manual Imprint for
the disputed Transaction
in question.
4. Merchant attempted to
authenticate the
Cardholder using 3-D
Secure but the
Cardholder was not
participating.
1. Credit or
Reversal was
processed.

1. CRED MMDDYY
ARN X...X
2. REVERSAL
MMDDYY.
None required
2. Issuer did not

meet the
applicable
Chargeback
conditions.
X...X (Specify the

reason)
As applicable
3. Acquirer can
remedy the
Chargeback.
None required
1. The Electronic
(Exhibit 2E).
2. Evidence of Imprint and
signature or PIN.
3. Effective up to and
including 14 March 2012, if
a Secure Electronic
Commerce or NonAuthenticated 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).
Effective from
15 March 2012, if a NonAuthenticated Security
Transaction was processed
with an Electronic
Commerce Indicator value
6 in the Authorization
Request, proof that the
with a Cardholder
Value (if applicable).
Effective for
Representments processed
up to and including
19 April 2013, compelling
evidence that the
Cardholder participated in
the Transaction.

1-73
Cardholder did not authorize or participate in a Card-Absent Environment Transaction.

Representment
Conditions
Member Message
Text
Documentation
5. Effective for
Representme
nts processed
on or after
20 April 2013,
Acquirer can
provide
Compelling
Evidence.
None required
Both:
1. The Electronic
(Exhibit 2E); and

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15 May 2013
83

15 May 2013
Member
Message Text
Documentation
1. The Issuer must retrieve a copy of the Transaction Receipt

prior to exercising a Chargeback unless the Transaction is one
of the following:
b) Electronic Commerce Transaction; or
c) Recurring Transaction.1
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 or
equivalent;
b) All Transactions appear on the Summary of Unauthorized
Telephone Service Transactions (Exhibit 2F Issuer);
c) Chargeback uses the Acquirer Reference Number/Tracing
Data of the earliest Transaction.
4. Effective up to and including 14 March 2012, Chargeback does
not apply to a Secure Electronic Commerce Transaction if
both2:
a) Issuer responded to an Authentication Request with an
Authentication Confirmation using 3-D Secure; and
b) Both of the following were included in the Authorization
Request:
i. Cardholder Authentication Verification Value; and
ii. Authentication Identifier.
5. Effective from 15 March 2012, Chargeback does not apply to a
Secure Electronic Commerce Transaction processed with
Electronic Commerce Indicator value 5 in the Authorization
Request, if both2:
a) Issuer responded to an Authentication Request with an
Authentication Confirmation (PARes value Y) using 3-D
Secure; and
b) The Cardholder Authentication Verification Value was
included in the Authorization Request.
6. Effective for Chargebacks initiated on or after a Processing
Date of 20 April 2013, the Issuer must meet both of the
following conditions on or before the Processing Date of the
Chargeback:
a) List the Account Number on the Exception File with a Pickup
Response, for a minimum of 30 calendar days; and
b) Report the fraud activity through the Visa System.
1. NO SUCH
CARD
2. FICTITIOUS
ACCOUNT
NUMBER
3. RR DATE
MMDDYY,
and if
requested
Transaction
Receipt not
fulfilled
None required

A Transaction that was fraudulent was completed in a Card-Absent Environment using a Fictitious
Account Number or no valid Card was issued or outstanding that bears the Account Number and no
1-75
Member
Message Text
Documentation
7. Chargeback is invalid for a Non-Authenticated Security

Transaction3 coded with ECI value 6 if either:
a) Issuer, or Visa Europe on behalf of the Issuer, responded to
an Authentication Request with a Non-Participation
Message (VERes value N); or
b) Both:
i. Issuer, or Visa Europe on behalf of the Issuer, responded
to an Authentication Request with an Attempt Response
(PARes value A) using 3-D Secure; and
ii. Effective up to and including 14 March 2012, a
Cardholder Authentication Verification Value and
Authentication Identifier were included in the
iii. Effective from 15 March 2012, a Cardholder
Authentication Verification Value was included in the
8. Chargeback is invalid for Transactions authorized through the
Emergency Payment Authorization Service.
9. Chargeback minimum for a T&E Transaction is US $25 or
equivalent.
10. For Visa Europe Transactions, chargeback is invalid for
Transactions where all of the following apply:
a. the Card Verification Value 2 presence indicator in the
Authorization Request is 1 - CVV2 value is present;
b. the Card Verification Value 2 results code in the
Authorization message is N No match; and
c. the Authorization request was approved.
11. 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; or
iii. 9 Cardholder states CVV2 is not present on the Card.
12. Chargeback is invalid for Emergency Cash Disbursements.
1. For Visa Europe Transactions only, this does not apply if Visa Europe or the Acquirer confirms that the Transaction is a
Mail Order/Phone Order Transaction or Electronic Commerce Transaction.
2. 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 three additional months.
3. Effective up to and including 14 March 2012, excludes Transactions made with an anonymous Prepaid Card, attempted
International Transactions made with a Visa Commercial Card and Transactions conducted in New Channels.
Effective from 15 March 2012 and up to and including 14 April 2013, excludes Transactions made with an anonymous
Prepaid Card and attempted International Transactions made with a Visa Commercial Card.
Effective from 15 April 2013, except for Transactions made with an anonymous Prepaid Card and International
Transactions made with a Visa Commercial Card that is issued or acquired in the Visa Inc. (US) region.
1-76

15 May 2013
83

A Transaction that was fraudulent was completed in a Card-Absent Environment using a Fictitious
Account Number or no valid Card was issued or outstanding that bears the Account Number and no
Representment
Conditions
Member Message
Text
Documentation
Message code 03 or
04, or provided a
not contain all the
as specified in the,
Section 1.3.C.2.
contains both a signature
(or PIN was obtained)
and an Electronic Imprint
(use of POS entry code
02, 90, 07 or 05)
or a Manual Imprint for
the disputed Transaction
in question.
3. Merchant attempted to
authenticate the
Cardholder using 3-D
Secure but the
Cardholder was not
participating.
1. Credit or
Reversal was
processed.

1. CRED MMDDYY
ARN X...X
(23 or 24 digits)
2. REVERSAL
MMDDYY
None required
2. Issuer did not

meet the
applicable
Chargeback
conditions.
X...X
(Specify the reason)
As applicable
3. Acquirer can
remedy the
Chargeback.
AUTH MMDDYY
CODE X...X
(If applicable)
1. The Electronic
(Exhibit 2E).
2. Evidence of Imprint and
signature or PIN.
3. Effective up to and
including 14 March 2012, if
a Secure Electronic
Commerce or NonAuthenticated Security
Transaction has an ECI
value of 6, proof that
with a Cardholder
Value and Authentication
Identifier (if applicable).
4. Effective from 15 March
2012, if a NonAuthenticated Security
Transaction was processed
with an Electronic
Commerce Indicator value
6 in the Authorization
Request, proof that the
with a Cardholder
Value (if applicable).

Limitations
15 May 2013

1-77
93

Visa Inc. in the case of its Customers or Visa Europe in the case of its Members, notified the Issuer that
the Transaction is identified by the Merchant Fraud Performance Program.
Condition
Description
Page
Both:
1. Visa Inc. or Visa Europe notified the Issuer that the Transaction is identified by
the Merchant Fraud Performance Program; and
2. Issuer had not successfully charged back the Transaction for another reason.
1 - 79
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.
1-78

15 May 2013
93

2.
Visa Inc., in the case of its Customers, or Visa Europe, in the case of its Members, notified the
Issuer that the Transaction is identified by the Merchant Fraud Performance Program.
Issuer had not successfully charged back the Transaction for another reason.
Member Message Text
Documentation
The Chargeback is invalid for Emergency Cash

Disbursements.
MFP RPT DT MMDDYY
None required
Representment Rights
and Limitations
Representment
Conditions
Member Message Text
Documentation
None
1. Credit or Reversal was

processed.

1. CRED MMDDYY ARN
X...X (23 or 24 digits); or
2. REVERSAL MMDDYY
None required
3. Issuer did not meet the

applicable Chargeback
conditions.
None required
4. Acquirer can remedy

the Chargeback.
PREV CB MMDDYY RC XX
None required
Both:
1.
15 May 2013

1-79
Dispute Group 3Authorization
1.8
DISPUTE GROUP 3AUTHORIZATION

A Merchant or Member failed to follow the proper Authorization procedures.
70Card Recovery Bulletin or Exception File
71Declined Authorization
72No Authorization
73Expired Card
78Service Code Violation
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.
Reason Code 71 Declined Authorization

A Merchant completed a Transaction after an Authorization Request received a Decline Response.
Reason Code 72 No Authorization

Reason Code 73 Expired Card
A Merchant completed a Transaction with a Card that expired prior to the Transaction Date, and the
Reason Code 78 Service Code Violation

For International Transactions, 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 (X2X Service
Code) account range.
For Visa Europe Transactions, the Service Code on the Magnetic Stripe indicated that the Card was
invalid for the Transaction and the Merchant did not obtain Authorization.
Table 1-23
General Requirements For Dispute Group 3Authorization

Chargeback
Representment
Time Limit

Processing Date

Chargeback Processing Date
General Rights and

Limitations
Refer to individual reason codes
1. Special Authorization procedures are described in the following sections of the Visa Europe Operating
Regulations, Volume IGeneral Rules:
- Hotel and Car Rental Company Transactions: Visa Europe Operating Regulations, Volume IGeneral Rules,
Section 5.1.E.4
- Cruise Line Transactions: Visa Europe Operating Regulations, Volume IGeneral Rules, Section 5.1.E.6
- Mail/Phone Order or Electronic Commerce Transactions: Visa Europe Operating Regulations,
Volume IGeneral Rules, Section 5.1.E.8
- Automated Fuel Dispenser Transactions: Visa Europe Operating Regulations, Volume IGeneral Rules,
Section 5.1.E.12
2. If the Members Authorization records conflict, the V.I.P. System or Visa Europe Authorization Service
record will prevail at Arbitration.
3. Prior to initiating a Chargeback, an Issuer should verify that an Authorization was not obtained.
15 May 2013

1-81
Authorization was required for a Transaction, but the Merchant did not obtain Authorization.
70

A Merchant did not check the Card Recovery Bulletin or Exception File for a Transaction with an
amount that was below the Floor Limit.

Condition
Description
Page

a) Transaction was below the Merchants Floor Limit;
b) Merchant did not obtain Authorization; and
c) Account Number was listed in the Merchants Card Recovery Bulletin Region
on the Transaction Date.
1 - 84

a) Transaction was below the Merchants Floor Limit;
b) Merchant did not obtain Authorization;
c) Merchant did not perform Account Number Verification; and
d) Both:
i. Transaction originated at a U.S. Merchant Outlet; and
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 - 86

1-82

15 May 2013
1. For a T&E Transaction, the Transaction Date is the check-in, car rental, or embarkation date.
2. For purposes of establishing an Issuers Chargeback rights, Visa assumes that a Merchant has received the
Card Recovery Bulletin both1:
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 editions effective date; and
b) Regardless of how the Acquirer distributes the Card Recovery Bulletin listings.
3. For Condition 1 only, the EMV liability shift principles, as specified in the Visa Europe Operating Regulations,
Volume IGeneral Rules, Section 3.3.B and the Visa Europe Operating Regulations, Volume IGeneral Rules,
Section 4.6, apply to all Visa Europe Transactions, and to the following applicable International
Transactions:
Environment.
(Canada).
Disbursements.
- Visa Inc. (LAC):
Environment.
and Mexico only).
- Visa Inc. (USA):
Effective from 1 October 2015, International Transactions between Visa Europe and Visa Inc. (USA),
that are Counterfeit Transactions at a Point-of-Transaction, excluding ATM Cash Disbursements and
Effective from 1 October 2017, International Transactions between Visa Europe and Visa Inc. (USA),
that are Counterfeit Transactions at a Point-of-Transaction, excluding ATM Cash Disbursements.
4. If a Members Authorization records conflict, the Authorization record within the Visa System will prevail
for Arbitration.
5. Chargeback is valid whether or not a specific Account Number in a blocked BIN appears in the Card
Recovery Bulletin or Exception File.
15 May 2013

1-83
70

1. Transaction was below the Merchants Floor Limit;
2. Merchant did not obtain Authorization; and
3. Account Number was listed in the Merchants Card Recovery Bulletin Region on the
Transaction Date.
Member Message Text
Documentation
1. If the Transaction Date was not transmitted in the

Clearing 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.
2. Chargeback minimum for a T&E Transaction is
US $25 or 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).
4. Effective for Transactions with a Transaction Date
on or after 3 October 2011, Chargeback is invalid for
Proximity Payments completed at terminals that
accept only Proximity Payment Devices.
Service.
6. 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.
LISTED CRB DATE

MMDDYY CRB REGION
XX
None required
1-84

15 May 2013
70

and Limitations
Representment Conditions
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY ARN
2. REVERSAL MMDDYY
None required

conditions.
None required

the Chargeback.
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; or
6. EMV DEVICE, CRB N/A.
The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E); and
evidence that the
Transaction was a
Chip-initiated
Transaction and
received Offline
Authorization, if
applicable.
15 May 2013

1-85

2. Merchant did not obtain Authorization; and
3. Account Number was listed in the Merchants Card Recovery Bulletin on the Transaction Date.
70

2. Merchant did not obtain Authorization;
3. Merchant did not perform Account Number Verification; and
4. Both:
a) Transaction originated at a U.S. Merchant Outlet; and
b) 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.
Member Message Text
Documentation
1. If the Transaction Date was not transmitted in the

Clearing 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.
2. Chargeback minimum for a T&E Transaction is US $25
or equivalent.
3. Chargeback is invalid for Proximity Payments
completed at terminals that accept only Proximity
Payment Devices.
through the Emergency Payment Authorization Service.
5. 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.
LISTED EXCEPT FILE

MMDDYY
None required
and Limitations
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY
ARN X...X
2. REVERSAL MMDDYY
None required

conditions.
X...X (Specify the

reasons)
None required
3. Acquirer can remedy the

Chargeback.
As applicable:
ACCT NUM NOT ON
EXCPT FILE TRAN DATE
MMDDYY
None required
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15 May 2013
71

A Merchant completed a Transaction after an Authorization Request received a Decline Response.
Description
Page
Authorization Request received a Decline or Pickup Response and a Merchant

completed the Transaction.
1 - 88
Both:
1. 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 Authorization by voice and Merchant
completed the Transaction; and
2. Transaction is Counterfeit.
1 - 90
All of the following (for qualifying Transactions and effective dates, refer to
1. Effective until 12 October 2012, Chip-Reading Device transmitted all data
elements that create the EMV-Online Card Authentication Cryptogram with a
POS entry value of "05";
2. Effective from 13 October 2012, Chip-Reading Device transmitted an
Authorization Request that contained all data elements that create the EMVOnline Card Authentication Cryptogram with a POS Entry Mode value of "05";
3. Authorization Response was a Referral Response;
4. Authorization Request was approved by means other than Authorization by
voice;
5. Approved Transaction is fraudulent;
6. Issuer reported the Transaction as fraud activity through the Visa System; and
7. 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 - 93
Condition
1. Chargeback is valid for Transactions above or below the Floor Limit when a Decline Response was received.
2. Visa Europe recommends1 that the Issuer provide a copy of either:
a) International Automated Referral Service log reflecting the Issuers Decline Response; or
b) Issuers internal Authorization log containing the following elements:
i. Date and time the call was received from the International Automated Referral Service;
ii. Account Number;
iii. Transaction Amount; and
iv. Issuer response.
15 May 2013

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71

Authorization Request received a Decline or Pickup Response and a Merchant completed the
Transaction.
Member Message Text
Documentation
1. Chargeback is invalid if Authorization was

obtained as a result of 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.
the Account Number was not listed on the
Exception File with a negative response on the
obtained after a Decline Response or Referral
Response was received for the same purchase1.
authorized through the Emergency Payment
Authorization Service.
AUTH DECLINED
MMDDYY
None required
1. This provision does not include Transactions that receive a Pickup Response (04, 07, 41, 43).
1-88

15 May 2013
71

15 May 2013
Representment
Rights and
Limitations
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY
ARN X...X
2. REVERSAL
MMDDYY
None required

conditions.
X...X (Specify the

reason)
None required

Chargeback.

1. AUTH DATE
MMDDYY CODE
X...X
2. TRAN DATE IS
MMDDYY NOT
MMDDYY
1. For a dispute involving

special Authorization
procedures, both:
a) The Electronic
Documentation
Transfer Method
questionnaire (Exhibit
2E); and
b) Certification of Special
Authorization
(Exhibit 3E).
2. Evidence that the
Transaction was Chipinitiated and offlineauthorized, if applicable.

1-89
Authorization Request received a Decline or Pickup Response and a Merchant completed the
Transaction.
71

Both:
1.
2.
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 Authorization by voice and Merchant completed the Transaction.
Transaction is Counterfeit.
Member Message Text
Documentation
1. Chargeback is valid if both:

a) Authorization Request was processed
through the International Automated
Referral Service; and
b) Decline Response was provided.
obtained as a result of Visa Stand-In
Processing, as specified in the Visa Europe
Operating Regulations, Volume IGeneral
Rules, Section 3.2.C.1.d.
3. 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.
4. 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.
Transaction is
authorized through the Emergency
Payment Authorization Service.
ISS CERT TX
COUNTERFEIT
Either, as applicable:
1. The Electronic
Method questionnaire (Exhibit
2E) with Issuer certification
that the approved Transaction
was Counterfeit and both the
initial and subsequent
Authorization Requests
contained the following
identical data:
a) Account Number;
b) Transaction Date;
c) Transaction Amount; and
d) Merchant identification.
2. The Electronic
(Exhibit 2E) 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.
1-90

15 May 2013
71

2.
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 Authorization by voice and Merchant completed the Transaction; and
Transaction is Counterfeit.
and Limitations
Representment
Conditions
Member Message
Text
Documentation
None
1. Credit or
Reversal was
processed.

1. CRED MMDDYY
ARN X...X
2. REVERSAL
MMDDYY
None required
2. Issuer did not

meet the
applicable
Chargeback
conditions.
X...X (Specify the

reasons)
None required
3. Acquirer can
remedy the
Chargeback.

1. AUTH DATE
MMDDYY CODE
X...X; or
2. TRAN IS
MMDDYY NOT
MMDDYY
1. For a dispute involving special

Authorization procedures, both:
a) The Electronic Documentation
Transfer Method
Authorization Representment
Amount (Exhibit 3E).
2. Evidence that the Transaction
was Chip-initiated and offlineauthorized, if applicable.
15 May 2013

1-91
Both:
1.
71

All of the following (for qualifying Transactions and effective dates, refer to Additional Information):
1. Chip-Reading Device transmitted all data elements that create the EMV-Online Card
Authentication Cryptogram with a POS Entry value of "05";
3. Authorization Request was approved by means other than Authorization by voice;
6. 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.
Member Message Text
Documentation

Transactions authorized through
the Emergency Payment
Transaction is US $25 or
equivalent.
3. Chargeback is invalid for a T&E
Transaction if Account Number
was not listed on the Exception File
with a negative response on the
AUTH DECLINED
MMDDYY

(Exhibit 2E), with Issuer certification
of all of the following:
1. The approved Transaction was
fraudulent;
2. Both the initial and subsequent
Authorization Requests contained
the following identical data:
a) Account Number;
b) Transaction Date;
d) Merchant identification; and
3. The Account Number was
resident on the Exception File with
a Pickup Response on the
Chargeback, and was on the
Exception File for a total period of
at least 60 calendar days from the
date of listing.
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15 May 2013
71

Representment
Rights and
Limitations
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY
ARN X...X (23 or 24
digits); or
2. REVERSAL
MMDDYY
None required

conditions.
X...X (Specify the

reason)
None required

Chargeback.

1. AUTH DATE
MMDDYY CODE
X...X; or
2. TRAN DATE IS
MMDDYY NOT
MMDDYY
1. For a dispute involving

procedures, both:
a) The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E); and
Authorization
(Exhibit 3E).
Transaction was Chipinitiated and offlineauthorized, if applicable
15 May 2013

1-93
All of the following (for qualifying Transactions and effective dates, refer to Additional Information):
1. Chip-Reading Device transmitted all data elements that create the EMV-Online Card
Authentication Cryptogram with a POS Entry value of "05";
3. Authorization Request was approved by means other than Authorization by voice;
6. 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.
72

Authorization was required for a Transaction, but the Merchant did not obtain Authorization.
Condition
Description
Page
Transaction exceeded the Floor Limit and Authorization was not obtained on the
Transaction Date.
1 - 95
Authorization was obtained using invalid or incorrect data, or Merchant Category

Code used in the V.I.P. System Authorization Request does not match the
Merchant Category Code in the Clearing Record of the first Presentment for the
same Transaction.
1 - 99
1. A 20 per cent variance is allowed to restaurants in consideration of a gratuity.
for Arbitration.
1-94

15 May 2013
72

Transaction exceeded the Floor Limit and Authorization was not obtained on the Transaction Date.
15 May 2013
Member Message
Text
Documentation
1. 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.
2. 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; or
c) Authorized amount is greater than the Transaction
Amount.
3. Chargeback is invalid if the Transaction is an ATM Cash
Disbursement.
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. For International Transactions at an Automated Fuel
Dispenser, Chargeback is invalid if a Status Check
Authorization was obtained and either:
a) For EMV PIN Transactions, the Transaction Amount is
US $100 or less, or local currency equivalent; or
b) For all other Transactions, a Transaction Amount of
US $75 or less, or local currency equivalent.
7. For International Transactions at an Automated Fuel
Dispenser, the Chargeback is valid only for the amount
exceeding the Transaction Amount represented by the
Status Check Authorization:
a) For EMV PIN Transactions, the Transaction Amount must
exceed US $100 or local currency equivalent; or
b) For all other Transactions, the Transaction Amount must
exceed US $75 or local currency equivalent.
8. For Visa Europe Transactions, Chargeback is invalid if a
Status Check Authorization was obtained and either:
a) For Chip-initiated Transactions the Transaction Amount is
US $100 or less, or local currency equivalent; or
b) For all other Transactions, a Transaction Amount of US
$75 or less, or local currency equivalent.
9. For Visa Europe Transactions, the Chargeback is valid only
for the amount exceeding the Transaction Amount
represented by the Status Check Authorization:
a) For Chip-initiated Transactions the Transaction Amount
must exceed US $100 or local currency equivalent; or
b) For all other Transactions, the Transaction Amount must
exceed US $75 or local currency equivalent.
As applicable:
1. NO
AUTHORIZATION
2. TRAN EXCEEDS
AUTH AMOUNT
3. EMV CARD, NO
AUTH, EXCD CHIP
FLOOR LIMIT
4. EMV CARD,
INVALID
FALLBACK DATA
None required

1-95
Member Message
Text
Documentation
10.Chargeback is valid if Transaction required Authorization,

and Authorization was obtained but subsequently reversed.
11. 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.
12. 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; and
b) Account Number was not on the Card Recovery Bulletin
on the Transaction Date.
13. 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).
14.Chargeback is invalid if the Cardholder Authentication
Verification Value was not validated during Authorization of
an Electronic Commerce Transaction.
equivalent.
16. Chargeback is valid if the Transaction was a Chip-initiated,
Offline Authorized Transaction for an amount exceeding the
Merchant's Chip Floor Limit.
17. 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:
a) VIP Field 22 - POS Entry Mode Code: Values 01, 02 or 90;
b) VIP Field 60, Position 2 - Terminal Entry Capability:
Value 5;
c) Where VIP Field 22 Value = 02 or 90, Field 35 - Service
Code, digit 1 = 2 or 6; and
d) Where VIP Field 22 Value = 01, Field 25 - POS Condition
Code: Values 00 or 03.
18. Effective until 12 October 2012, Chargeback is valid for a
Chip-initiated Transaction that was cleared with an
Authorization Request Cryptogram (ARQC) that did not
receive an approval response to an Online Authorization
request from the Issuer or the Issuer's agent.
19. Effective from 13 October 2012, Chargeback is valid for a
Chip-initiated Transaction that included an Authorization
Request Cryptogram (ARQC) in the Clearing Record but did
not receive Online Authorization from the Issuer or the
Issuers Agent.
20.Chargeback is invalid for Transactions authorized through
the Emergency Payment Authorization Service.
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15 May 2013
Member Message
Text
Documentation
21. For a Mail/Phone Order Transaction 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; or
b) Authorization was obtained within seven calendar days of
the Transaction Date, as specified in the Visa Europe
Operating Regulations, Volume IGeneral Rules, Section
5.1.E.9.b.
22.Chargeback is invalid for Visa Europe Transactions
processed with a Visa Drive Card that is an extra Card
which has a Privately Contracted Agreement associated to it,
where the Transaction takes place at one of the following
Merchant Category Codes:
a) 4784 Tolls and Bridge Fees; or
b) 7523 Parking Lots, Parking Meters and Garages.
15 May 2013

1-97
72

Transaction exceeded the Floor Limit and Authorization was not obtained on the Transaction Date.
and Limitations
Representment
Conditions
Member Message Text
Documentation
1. For a T&E
Transaction where
special
Authorization
procedures were
followed,
Representment is
limited to the sum of
the Authorization
amounts plus
15 percent.1 This
total must not
exceed the
Transaction
Amount.
2. Representment is
valid if Merchant
obtained an
Authorization for a
Mail/Phone Order
Transaction
or Electronic
Commerce
Transaction within
seven calendar days
prior to the
Transaction Date
and merchandise
was shipped or
delivered.
3. Representment is
valid for a
Transaction that
took place at a
restaurant and the
Transaction Amount
exceeds
Authorization by 20
percent or less.
1. Credit or
Reversal was
processed.

1. CRED MMDDYY ARN
X...X
2. REVERSAL MMDDYY
None required
2. Issuer did not

meet the
applicable
Chargeback
conditions.
Either that applies

1. X...X (Specify the reasons)
2. EMV CARD, VALID
FALLBACK DATA; or
3. NOT AN EMV CARD,
NON EMV DEVICE.
As applicable
3. Acquirer can
remedy the
Chargeback.
Either that applies

1. AUTH DATE MMDDYY
CODE X...X AMT $XXX;
October 2012, for Mail/
Phone Order
or Electronic Commerce
Transactions:
- MO/TO ORDER DATE
MMDDYY CODE
XXXXX AMT XXXX;
and
- EC ORDER DATE
MMDDYY CODE
XXXXX AMT XXXX;
October 2012,
RESTAURANT MMDDYY
CODE XXXXX AMT XXX;
or
4. TRAN DATE IS MMDDYY
NOT MMDDYY
For a dispute involving

procedures, both:
1. The Electronic
Documentation
Transfer Method
2E); and
2. Certification of Special
Authorization
(Exhibit 3E).
1. For a restaurant, up to 20 percent is allowed.
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15 May 2013
72

Member Message
Text
Documentation
1. Authorization is invalid if Merchant used invalid or

incorrect Transaction data, as specified in the Visa
Europe System Manuals for those using and the Visa
Europe Systems and the VisaNet Manuals for those
using the Visa Inc. Systems, 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.
2. Chargeback is valid for the entire Transaction
amount.
3. Chargeback applies when the Authorization
Request and Clearing Record are processed by
either the same or different Acquirers.
4. Chargeback does not apply to Transactions
Authorized with Merchant Category Codes 9701
or 9702.
Service.
$25 or equivalent.
Account Number was not listed on the Exception
File with a negative response on the Chargeback
Processing Date.
AUTH OBTAINED
USING INVALID
DATA
1. The Electronic
Documentation
Transfer Method
2E) including the
Chargeback Reference
Number, if used.
2. Documentation to
support the Issuer's
claim that the
Transaction would
have been declined if
Transaction data had
been provided in the
15 May 2013

1-99
Authorization was obtained using invalid or incorrect data, or Merchant Category Code used in the
V.I.P. System Authorization Request does not match the Merchant Category Code in the Clearing
Record of the first Presentment for the same Transaction.
72

Authorization was obtained using invalid or incorrect data, or Merchant Category Code used in the
V.I.P. System Authorization Request does not match the Merchant Category Code in the Clearing
Record of the first Presentment for the same Transaction.
and Limitations
Representment
Conditions
Member Message Text
Documentation
None
1. Credit or
Reversal was
processed.

1. CRED MMDDYY
ARN X...X
2. REVERSAL
MMDDYY
None required
2. Issuer did not

meet the
applicable
Chargeback
conditions.
X...X (Specify the

reasons)
As applicable
3. Acquirer can
remedy the
Chargeback.
None
1. The Electronic
(Exhibit 2E); and
2. Record, available from Visa
Europe, that Authorization
was processed through the
Visa Europe Authorization
Service system, and the
Clearing Record of the first
Presentment.
1-100

15 May 2013
73

A Merchant completed a Transaction with a Card that expired prior to the Transaction Date, and the
Condition
Description
Page
Both:
1. Card expired prior to the Transaction Date
2. Merchant did not obtain Authorization
1 - 102
1. The Card expiry date is the last day of the month.

for Arbitration.
15 May 2013

1-101
73

Both:
1.
2.
Card expired prior to the Transaction Date; and

Member Message Text
Documentation
1. Transaction Date is as follows:

a) Hotel: Check-in date;
b) Car Rental Company: Date the car was
rented; or
c) Cruise Line: Embarkation date.
2. For a Mail/Phone Order or Electronic
Commerce Transaction, the expiry date
provided by the Cardholder is assumed to be
correct.
the Account Number was not listed on the
Exception File with a negative response on the
5. Chargeback does not apply to Chip-initiated
Transactions.
6. For Visa Europe Transactions, Chargeback is
invalid for correctly flagged Recurring
Transactions1.
authorized through the Emergency Payment
CARD EXPIRED
MMDDYY
None required
1. POS Environment Field Value must be R, as specified in Table A-33 (Exhibit 2M) for those using the Visa Europe Clearing
and Settlement Service or Table A-16 (Exhibit 2L) for those using BASE II.
1-102

15 May 2013
73

15 May 2013
Card expired prior to the Transaction Date; and

Representment
Rights and
Limitations
Representment
Conditions
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY
ARN X...X
2. REVERSAL
MMDDYY
None required

conditions.
X...X
(Specify the reason)
None required

the Chargeback.

1. AUTH DATE
MMDDYY;
2. CARD NOT
EXPIRED ON TRAN
DATE;
3. CHECK-IN DATE
MMDDYY;
4. RENTAL DATE
MMDDYY; or
5. EMBARK DATE
MMDDYY.
The Electronic
following:
1. Merchants Authorization
log;
2. Documentation to prove
the Card was not expired
on the Transaction Date;
or
Transaction was Chipinitiated and offlineauthorized, if
applicable.

1-103
Both:
1.
2.
78

For International Transactions, 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 (X2X
Service Code) account range.
For Visa Europe Transactions, either the Service Code on the Magnetic Stripe indicated that the Card
was invalid for the Transaction and the Merchant did not obtain Authorization, or the Service Code on
the Magnetic Stripe indicated that Online Authorization was required for the Transaction type and the
1.
1-104
Condition
Description
Page
1. For International Transactions both:

a) A Merchant completed a Magnetic-Stripe read Transaction on a Visa
Electron Card or a Visa Card in a registered positive Authorization (X2X
Service Code) account range1; and
b) Merchant did not obtain Authorization.
2. For Visa Europe Transactions both:
a) A Merchant completed a Magnetic-Stripe Transaction when the Service
Code indicated that the Card was invalid for the Transaction type; and
1 - 105
All Visa Electron Cards must be issued with positive Authorization (X2X Service Code) therefore registration is not
required for a Visa Electron account range.

15 May 2013
78

For International Transactions both:
1. A Merchant completed a Magnetic-Stripe read Transaction on a Visa Electron Card or a Visa
Card in a registered positive Authorization (X2X Service Code) account range1; and
2. Merchant did not obtain Authorization.
For Visa Europe Transactions both:
1. A Merchant completed a Magnetic-Stripe Transaction when the Service Code indicated that
the Card was invalid for the Transaction type; and
1.
15 May 2013
Member Message
Text
Documentation
1. The Chargeback applies for a 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 (X2X Service
Code); and
2. For Visa Europe Transactions chargeback does not apply to
an extended Service Code that either:
a. Indicates one of the following:
i. PIN required; or
ii. Prompt for PIN if PIN pad present; or
b. Is not valid for issuance, as specified in the Payment
Technology Standards Manual.
3. For Visa Europe Transactions chargeback is valid for a
below-Floor Limit Magnetic-Stripe-read Transaction where
the Card was a Chip Card and the Service Code on the Card
indicated Positive Authorization mandatory (Online
Authorization required).
4. Visa Europe Transactions, Service Code violation
chargebacks are valid for below-Floor Limit Magnetic Striperead Transactions where the Service Code on the Card
indicated Online Authorization was required and the card
was either a Chip Card or a Non-Chip Card.
5. Chargeback is invalid for Transactions authorized through
the Emergency Payment Authorization Service.
equivalent.
None required
None required

1-105
78

For International Transactions both:
1. A Merchant completed a Magnetic-Stripe read Transaction on a Visa Electron Card or a Visa
Card in a registered positive Authorization (X2X Service Code) account range1; and
For Visa Europe Transactions both:
1. A Merchant completed a Magnetic-Stripe Transaction when the Service Code indicated that
the Card was invalid for the Transaction type; and

1.
1-106
Representment
Rights and
Limitations
Representment
Conditions
Member
Message Text
Documentation
None
1. Credit or
Reversal
was
processed.
Either that
applies:
1. CRED
MMDDYY
ARN X...X
(23 or 24
digits); or
2. REVERSAL
MMDDYY.
None required
2. Issuer did
not meet the
applicable
Chargeback
conditions.
X...X (Specify
the reason)
None required
3. Acquirer can
remedy the
Chargeback.
AUTH DATE
MMDDYY
The Electronic Documentation Transfer Method

questionnaire (Exhibit 2E), and one of the 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 ChipReading Device; or
c) For Visa Europe Transactions, Authorization
Response code was Y1 or Y3.
2. Account was not in a positive Authorization (X2X
Service Code) account range.

15 May 2013
Dispute Group 4Processing Error
1.9
DISPUTE GROUP 4PROCESSING ERROR

A Merchant, an Originating Member, or an Acquirer processed a Transaction incorrectly. The following
reason codes are applicable:
74 Late Presentment
76 Incorrect Currency or Transaction Code or Domestic Transaction Processing Violation
77 Non-Matching Account Number
80 Incorrect Transaction Amount or Account Number
82 Duplicate Processing
86 Paid by Other Means
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
Reason Code 76 Incorrect Currency or Transaction Code or Domestic Transaction

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 Merchants local currency, or for a Transaction Receipt that was processed in error a
Merchant processed a Credit Transaction, within 30 Calendar days, instead of a Reversal or an
Adjustment.
Transaction did not receive Authorization and was processed using an Account Number that does not
match any on the Issuers master file or an Original Credit was processed using an Account Number
that does not match any on the Issuers master file.
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.
Reason Code 82 Duplicate Processing

A single Transaction with the same Account Number was processed more than once.
Reason Code 86 Paid by Other Means

Merchandise or service was received but paid for by other means.
15 May 2013

1-107
Reason Code 77 Non-Matching Account Number
Table 1-24
General Requirements For Dispute Group 4Processing Error

Chargeback
Representment
Time Limit
1. For reason code 77, the time limit is 75

calendar days from the Processing
Date of the Transaction. For all other
Chargebacks, except for reason code
77, the time limit is 120 days from the
Processing Date Processing Date of the
Transaction.
2. For an Original Credit, the Chargeback
time limit is 120 calendar days from the
Processing Date of the Original Credit.

General Rights and

Limitations

1-108

15 May 2013
74

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

Condition
Description
Page
Both:
1. Transaction was not processed within the required time limit; and
2. Account Number was not in good standing on the Processing Date.
1 - 110
Transaction Date is more than 180 calendar days prior to the Processing Date.
1 - 112
1. A Delayed or Amended Charge Transaction is calculated from the date of the Delayed or Amended Charge
Transaction itself, not from the return or checkout date. (See Section 3.4.A.6, "Delayed or Amended Charges"
for further information.)
15 May 2013

1-109
74

Both:
1.
2.
Transaction was not processed within the required time limit; and
Account Number was not in good standing on the Processing Date.
Member Message
Text
Documentation
1. For a Visa Electron Card, Transaction Date is more

than six 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 all other Transactions, Transaction Date is more
than 30 calendar days prior to the Processing Date.
4. For a T&E Transaction, Transaction Date is as follows:
a) Hotel: Check-out date;
b) Car Rental Company: Return date; or
c) Cruise Line: Disembarkation date.
5. For a T&E Transaction, Issuer must list the Account
Number on the Exception File with a negative
response on the Chargeback Processing Date.
$25 or equivalent.
ACCOUNT STATUS
CODE (Supply the
appropriate code in
the last position of
the text):
X=Counterfeit
O=Account Closed
C=Account Problem
F=Other Fraud
(such as lost, stolen,
not received)
None required

1-110

15 May 2013
74

15 May 2013
Transaction was not processed within the required time limit; and
Account Number was not in good standing on the Processing Date.
Representment
Rights and
Limitations
Member Message
Text
Documentation
None

processed.
Either that
applies:
1. CRED
MMDDYY
ARN X...X (23
or 24 digits); or
2. REVERSAL
MMDDYY.
None required

conditions.
X...X (Specify the

reason)
None required

Chargeback.
CORRECT TRAN
DATE MMDDYY
Both:
1. The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E); and
or Transaction log
with Transaction Date
that disproves late
Presentment.

Both:
1.
2.
1-111
74

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

1-112
Member Message Text
Documentation
1. Transaction Date is more than 180 calendar days

prior to Processing Date.
2. For a T&E Transaction, Transaction Date is as follows:
a) Hotel: Check-out date;
b) Car Rental Company: Return date; or
c) Cruise Line: Disembarkation date.
$25 or equivalent.
MORE THAN 180

DAYS LATE
None required
Representment
Rights and
Limitations
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY
ARN X...X (23 or 24
digits); or
2. REVERSAL
MMDDYY.
None required

conditions.
X...X (Specify the

reason)
None required

Chargeback.
CORRECT TRAN DATE

MMDDYY
Both:
1. The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E); and
or Transaction log
with Transaction
Date that disproves
late Presentment.

15 May 2013
76
Reason Code 76 Incorrect Currency or Transaction Code or Domestic

Condition
Description
Page
Transaction code is incorrect.
1 - 114
Transaction Currency is different than the currency transmitted through the Visa
System.
1 - 115
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:
1. International Airline Transaction; or
2. Result of a Transaction occurring at a military base, embassy, or consulate.
1 - 116
Cardholder was not advised that Dynamic Currency Conversion would occur or
was refused the choice of paying in the Merchants local currency.
1 - 119
For a Transaction Receipt that was processed in error a Merchant processed a

Credit Transaction, within 30 Calendar days, instead of a Reversal or an
Adjustment.
1 - 120
1. For condition 2 only:
a) Transaction Currency appearing on the Transaction Receipt may be any currency agreed upon by the
Merchant and Cardholder.
b) If not specified, the Transaction Currency is the domestic currency of the Transaction Country.
c) 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.
a) Transaction Currency appearing on the Transaction Receipt must be the currency approved by the
Cardholder.
b) If Dynamic Currency Conversion is not approved at the Point-of Transaction the Transaction Currency
must be in the Merchants local currency.
c) If the Acquirer processes through the Single Message System, it may process the Transaction as a first
Presentment instead of representing.
15 May 2013

1-113
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
of paying in the Merchants local currency, or for a Transaction Receipt that was processed in error a
Merchant processed a Credit Transaction, within 30 Calendar days, instead of a Reversal or an
Adjustment.
76

Transaction code is incorrect.

1-114
Member Message Text
Documentation
1. For a Transaction processed with an incorrect

Transaction code, Chargeback amount is double
the Transaction Amount when either:
a) Credit was processed as a debit; or
b) Debit was processed as a credit.
$25 or equivalent.

1. CREDIT POSTED AS
DEBIT;
2. DEBIT POSTED AS
CREDIT;
3. PURCHASE POSTED
AS CASH; or
4. CASH POSTED AS
PURCHASE.
None required
Representment
Rights and
Limitations
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY ARN
X...X (23 or 24
digits); or
2. REVERSAL MMDDYY
None required

conditions.
None required

Chargeback.
None required
For an ATM Transaction,

none required.
For all other
Transactions, both:
1. The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E); and
or other record that
proves that the
Transaction code
was correct.

15 May 2013
76

Member Message Text
Documentation
1. Chargeback is invalid for a Transaction originating

at a non-US ATM connected to the Plus System,
Inc. and settled in US dollars.
Amount.
$25 or equivalent.
TRAN CURRENCY IS
XXX NOT XXX, where
XXX = numeric Currency
Code value as specified
in the VisaNet Manuals
None required
Representment
Rights and
Limitations
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY ARN
X...X (23 or 24
digits); or
2. REVERSAL MMDDYY
None required

conditions.
None required

Chargeback.
None required
Both:
1. The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E); and
or other record that
proves that the
Transaction
Currency was
correct.
15 May 2013

1-115
Transaction currency is different than the currency transmitted through the Visa System.
76

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:
1. An International Airline Transaction; or
2. The result of a Transaction occurring at a military base, embassy, or consulate.1

1.
1-116
Member Message
Text
Documentation
1. Chargeback is invalid if a Transaction was processed as

allowed under Visa Europe Operating Regulations,
Volume IGeneral Rules, Section 4.1.C.1.
2. An Acquirer must not contract with a Merchant Outlet
that is outside its Country of Domicile, unless Visa
Europe has approved this arrangement, and the country
or territory is either:
a) Not any other Principals Country of Domicile;
b) One where the Acquirer has a Branch;
c) Merchant is an International Airline and the Acquirer
maintains the relationship as specified in the Visa
Europe Operating Regulations, Volume IGeneral Rules,
Section 4.2; or
d) Merchant Outlet is a military base, embassy, or
consulate on foreign territory. The currency used to
complete the Transaction must be disclosed on the
3. Chargeback is valid for the entire Transaction Amount.
or equivalent.
TRAN OCCURRED
IN X...X
None required
Visa Europe and Visa Inc. consider these Merchant Outlets to be within the Members Country and Region of Domicile.

15 May 2013
76

1.
15 May 2013
Representment
Rights and
Limitations
Representment
Conditions
Member Message
Text
Documentation
None
was processed.

1. CRED MMDDYY
ARN X...X (23 or
24 digits); or
2. REVERSAL
MMDDYY
None required

the applicable
Chargeback
conditions.
X...X (Specify the

reason)
None required
3. Acquirer can
remedy the
Chargeback.
None required
Both:
(Exhibit 2E); and
2. Transaction Receipt or other record
to prove either:
a) Transaction was deposited
properly and processed with the
correct Transaction Country
code; or
b) Transaction occurred at a
military base, embassy,
consulate, or is an International
Airline Transaction.
Visa Europe and Visa Inc. consider these Merchant Outlets to be within the Members Country and Region of Domicile.

1-117
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:
1. International Airline Transaction; or
2. Result of a Transaction occurring at a military base, embassy, or consulate.1
76

of paying in the Merchants local currency.
Member Message Text
Documentation
1. Dynamic Currency Conversion occurred and

the Cardholder was either:
a) Not advised that Dynamic Currency
Conversion would take place; or
b) Refused the choice of paying in the
Merchants local currency.
Amount.

1. DCC
CARDHOLDER NOT
ADVISED
2. DCC
CARDHOLDER
REFUSED OPTION
OF LOCAL
CURRENCY
1. The Electronic
(Exhibit 2E).
2. A Cardholder letter
stating the Cardholder
was not advised that
Dynamic Currency
Conversion would occur
or was not offered a
choice to pay in the
Merchants local
currency.
3. Copy of the Cardholders
Transaction Receipt (if
available).

1-118

15 May 2013
76


Limitations
Representment
Conditions
Member Message
Text
Documentation
If the Chargeback is valid,

the Acquirer may only
represent the Transaction
in the Merchants local
currency for the
Transaction Amount prior
to Dynamic Currency
Conversion. The
Representment must:
1. Exclude fees or
commission charges
directly related to
Dynamic Currency
Conversion that were
applied to the
Transaction; and
2. Include a copy of the
Dynamic Currency
Conversion Transaction
Receipt.
1. Credit or
Reversal was
processed.

1. CRED MMDDYY
ARN X...X (23 or
24 digits); or
2. REVERSAL
MMDDYY
None required
2. Issuer did not

meet the
applicable
Chargeback
conditions.
X...X (Specify the

reason)
None required
3. Acquirer can
remedy the
Chargeback.
None required
Both:
1. The Electronic
(Exhibit 2E); and
2. Acquirer certification that
the Merchant is registered
to offer Dynamic Currency
Conversion.
15 May 2013

1-119
of paying in the Merchants local currency.
76

For a Transaction Receipt that was processed in error a Merchant processed a Credit Transaction,
within 30 Calendar days, instead of a Reversal or an Adjustment.

1-120
Member Message Text
Documentation
1. The Chargeback must be limited to the

difference in the Credit Transaction and original
debit.
CREDIT INSTEAD OF
REVERSAL

The Electronic
(Exhibit 2E):
- Explanation of why
the Credit Transaction
was processed in
error.
- Information to
support the original
Transaction and the
Credit Transaction.
If the Credit Transaction
resulted from a
Transaction where the
Cardholder asserts fraud,
a copy of the signed
Cardholder letter.
Representment
Rights and
Limitations
Member Message Text
Documentation
None
1. Reversal or an Adjustment
was processed.

1. REVERSAL
MMDDYY; or
2. ADJUSTMENT
MMDDYY
None required

conditions.
None required

Chargeback.
None required
Both:

The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E); and
Explanation of why a
Credit Transaction
was processed
instead of a Reversal
or an Adjustment.
15 May 2013
77

Transaction did not receive Authorization and was processed using an Account Number that does not
match any on the Issuers master file or an Original Credit was processed using an Account Number
that does not match any on the Issuers master file.

Condition
Description
Page
Merchant or Acquirer processed a Transaction for an Account Number not

matching any on the Issuers master file and did not receive an Authorization.
1 - 122
Originating Member processed an Original Credit for an Account Number not

matching any on the Issuers master file.
1 - 123
An incorrectly entered Account Number must be processed as an original Presentment. Acquirer may be
responsible for any late Presentment.
15 May 2013

1-121
77

Merchant or Acquirer processed a Transaction for an Account Number not matching any on the
Issuers master file and did not receive an Authorization.
Member Message Text
Documentation
1. Chargeback is invalid for Transactions that

received either Online Authorization or Offline
Authorization.
Transactions.
NO SUCH ACCT
NUMBER
None required
Representment
Rights and
Limitations
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY
ARN X...X (23 or 24
digits); or
2. REVERSAL
MMDDYY.
None required

conditions.
X...X (Specify the

reason)
None required

Chargeback.
AUTH DATE MMDDYY

CODE X...X (if
applicable)
1. For all Transactions,

both:
a) The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E); and
b) Legible Transaction
Receipt or Transaction
log to prove that the
Account Number was
processed correctly.
2. For Chip-initiated
Transactions, evidence
that the Transaction
was Chip-initiated and
offline authorized
(if applicable).
1-122

15 May 2013
77

An Originating Member processed an Original Credit for an Account Number not matching any on the
Issuers master file.
Member Message Text
Documentation
Chargeback minimum for a T&E Transaction is

ACCOUNT CLOSED
ACCOUNT NOT ON FILE
None required
Representment
Rights and
Limitations
Member Message Text
Documentation
None
1. Reversal was processed.
REVERSAL MMDDYY
None required

conditions.
None required
3. Originating Member can

remedy the Chargeback.
None required
15 May 2013

1-123
80

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.
Condition
Description
Page
Transaction Amount is incorrect or addition or transposition error occurred.
1 - 125
Merchant altered the Transaction Amount after the Transaction was completed
without the consent of the Cardholder.
1 - 127
Account Number processed through the Visa System does not match the Account
Number on the Transaction Receipt.
1 - 129
For condition 1 only, Visa Europe recommends that the Issuer provide documentation to demonstrate that the
Transaction Amount is incorrect.

1-124

15 May 2013
80

Member Message Text
Documentation
1. Chargeback amount is limited to the

difference in the amounts.
2. For incorrect Transaction Amount, if the
written Transaction Amount is different
from the imprint amount, the written
Transaction Amount must be used to
determine the processing error.
3. For a T&E Transaction, Chargeback is valid
only when the difference in the amounts
exceeds US $25 or local currency
equivalent.
4. Chargeback is invalid for a No-Show or
Advance Deposit Transaction for an
addition or transposition error.
5. Chargeback is invalid for the difference
between the quoted price and the actual
charges made by the T&E Merchant.
Transactions containing a valid Cryptogram.
7. Chargeback is invalid for ATM Cash
Disbursements.
Transaction is US $25 or equivalent.

1. TRAN AMT XXXX NOT
XXXX
2. ERROR IN AMOUNT
None required
15 May 2013

1-125
80

Representment
Rights and
Limitations
Representment
Conditions
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY ARN
2. REVERSAL MMDDYY.
None required

conditions.
None required

the Chargeback.
None required
Both:
1. The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E); and
2. Transaction Receipt or
other record to prove
that Transaction
Amount was correct.
1-126

15 May 2013
80

Merchant altered the Transaction Amount after the Transaction was completed without the consent
of the Cardholder.
Member Message Text
Documentation

difference in the amounts.
2. For incorrect Transaction amount, if the
written Transaction amount is different
from the imprint amount, the written
amount must be used to determine the
processing error.
3. Chargeback is invalid if Merchant has the
right to alter the Transaction Receipt.
4. Effective for Chargebacks initiated up to
and including a Processing Date of 19 April
2013, Chargeback is invalid for a No-Show
or Advance Deposit Transaction completed
in a Card-Absent Environment.
5. Effective for Chargebacks initiated on or
after a Processing Date of 20 April 2013,
Chargeback is invalid for a No-Show
Transaction or Advance Deposit
Transaction.
6. Chargeback is invalid for EMV PIN
Disbursements.
ALTERED FROM XXXX

AMT TO XXXX AMT
Both:
1. The Electronic
(Exhibit 2E); and
2. Copy of the Cardholders
Transaction Receipt
showing different
Transaction Amounts.
15 May 2013

1-127
80

Merchant altered the Transaction Amount after the Transaction was completed without the consent
of the Cardholder.
Representment
Rights and
Limitations
Representment
Conditions
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY
ARN X...X
2. REVERSAL
MMDDYY.
None required

conditions.
None required

the Chargeback.
None required
Both:
1. The Electronic
(Exhibit 2E); and
2. Documents to prove one of
the following:
a) Transaction Receipt was
not altered;
b) Cardholder agreed to
the altered amount; or
c) Merchant is permitted
or required to alter the
Transaction Amount.
1-128

15 May 2013
80

Member Message Text
Documentation

Disbursements.
INCORRECT ACCT
NUMBER
None required

Limitations
Representment
Conditions
Member Message Text
Documentation
If the Account Number was

incorrectly transmitted,
Acquirer must process the
Transaction as a new
Presentment. Acquirer may
be responsible for a Late
Presentment Chargeback.
1. Credit or
Reversal was
processed.

1. CRED MMDDYY
ARN X...X
2. REVERSAL
MMDDYY.
None required
2. Issuer did not

meet the
applicable
Chargeback
conditions.
X...X (Specify the

reason)
None required
3. Acquirer can
remedy the
Chargeback.
None required
Both:
1. The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E); and
other record to prove
that the Account
Number is correct.
15 May 2013

1-129
Account Number processed through the Visa System does not match the Account Number on the
82

A single Transaction with the same Account Number was processed more than once.
Condition
Description
Page
One Acquirer or Originating Member processed the Transaction more than once.
1 - 131
Two Acquirers or Originating Members processed the same Transaction.
1 - 133
1. For ATM Transactions, the Transaction Record must be provided together with an explanation or key to the
data fields in English.
2. For a Representment, if two separate signed or imprinted Transaction Receipts are not available, the
Acquirer should provide evidence that the Transactions were not for the same service or merchandise.
3. Transaction Amounts or dates may be different.

1-130

15 May 2013
82

Member Message Text
Documentation
1. Chargeback is invalid for a Telephone

Service Transaction at an Unattended
Acceptance Terminal 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; and
d) Transaction Amount in the
Transaction Currency.
2. Effective for Chargebacks initiated up
to and including a Processing Date of
invalid for Chip-initiated Transactions
with differing Application Transaction
Counter values.
where the Merchants differ.
TRAN DATE MMDDYY,

REF X...X (23- or 24-digit
Acquirer Reference
Number, or applicable
Tracing Data, for the valid
Transaction)
None required
15 May 2013

1-131
82

Representment
Rights and
Limitations
Representment
Conditions
Member Message Text
Documentation
None
was processed.

1. CRED MMDDYY ARN
X...X (23 or 24 digits)
2. REVERSAL MMDDYY
None required
2. Issuer did not

meet the
applicable
Chargeback
conditions.
None required
3. Acquirer can
remedy the
Chargeback.
For an ATM Transaction

processed more than
once, either that applies:
1. CASH DISPNS SEQ
#XXXXX AND SEQ
#XXXXX; or
2. ACQR CERTS ATM IN
BALANCE ON
MMDDYY.
For an ATM Transaction, none

required.
For all other Transactions, both:
Transfer Method
2. Either:
a) Submit two separate signed
or imprinted Transaction
Receipts or other record to
prove separate Transactions
were processed; or
b) For a Telephone Service
Transaction at an
Terminal, documentation to
demonstrate that the time of
the call is different for each
Transaction.
1-132

15 May 2013
82

Member Message Text
Documentation
1. If the Transaction was processed by

different Acquirers or Originating
Members, the Acquirer or Originating
Member that processed the second
Transaction is responsible for the
Chargeback.
2. Chargeback is invalid for a Telephone
Service Transaction at an Unattended
Acceptance Terminal 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; and
d) Transaction Amount in the
Transaction Currency.
where the Merchants differ.
TRAN DATE MMDDYY,

REF X...X
(23- or 24-digit Acquirer
Reference Number, or
applicable Tracing Data,
for the valid transaction)
None required
15 May 2013

1-133
82

Representment
Rights and
Limitations
Representment
Conditions
Member Message
Text
Documentation
None
was processed.

1. CRED MMDDYY
ARN X...X (23 or
24 digits); or
2. REVERSAL
MMDDYY.
None required
2. Issuer did not

meet the
applicable
Chargeback
conditions.
X...X (Specify the

reason)
None required
3. Acquirer can
remedy the
Chargeback.
For an ATM
Transaction, either
that applies:
1. CASH DISPNS
SEQ #XXXXX and
SEQ #XXXXX; or
2. ACQR CERTS
ATM IN
BALANCE ON
MMDDYY.
For an ATM Transaction, none required.

For all other Transactions, all of the
following:
(Exhibit 2E);
2. Submit two separate signed or
imprinted Transaction Receipts or
other record to prove separate
Transactions were processed, and
3. For a Telephone Service Transaction
at an Unattended Acceptance
Terminal, documentation to
demonstrate that the time of the call
is different for each Transaction.
1-134

15 May 2013
86

Merchandise or service was received but paid by other means.
Description
Page
Cardholder paid for the same merchandise or service by other means.
1 - 136
Condition
15 May 2013

1-135
86


1-136
Member Message
Text
Documentation
1. For services paid by other means, Cardholder

must attempt to resolve with Merchant.
2. Prior to exercising the Chargeback right,
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 two different Merchants, such as 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.
$25 or equivalent.
7. Chargeback is valid when the same Transaction
was processed through different payment
networks, on the same Account Number.
None required

1. The Electronic
(Exhibit 2E);
2. Evidence that Merchant
received payment by other
means except for
Limitations 5;
3. For Chargeback Rights and
Limitations 5, evidence that
Merchant accepted the
voucher for payment
toward merchandise or
service (for example, rental
contract showing that
voucher was accepted by
Merchant); and
4. Cardholder attempted to
resolve with Merchant.

15 May 2013
86

15 May 2013
Representment
Rights and
Limitations
Member Message
Text
Documentation
None

processed.

1. CRED MMDDYY
ARN X...X (23 or
24 digits); or
2. REVERSAL
MMDDYY.
None required

conditions.
X...X (Specify the

reason)
None required

Chargeback.
None required
Both:
1. The Electronic
(Exhibit 2E); and
2. Documents (other than
Transaction Receipt) to
prove that Merchant did
not receive payment by
other means for the same
merchandise or service.

1-137
Dispute Group 5Cancelled/Returned
1.10
DISPUTE GROUP 5CANCELLED/RETURNED

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 Originating Member sent an Original Credit that was refused by the Recipient or is
prohibited by local law.
41 Cancelled Recurring Transaction
53 Not as Described or Defective Merchandise
85 Credit Not Processed
Reason Code 41 Cancelled Recurring Transaction
Transactions, the Merchant continued to charge a Cardholder for an Instalment Transaction despite
notification of cancellation.
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.
Reason Code 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.
Table 1-25
15 May 2013
General Requirements For Dispute Group 5Cancelled/Returned

Chargeback
Representment
Time Limit
1. 120 calendar days from the Transaction

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

General Rights and

Limitations
1. Refer to individual reason codes.

processed on or after 20 April
2013, the Issuer should attempt
to address any Compelling
Evidence provided.

1-139
The Merchant continued to charge a Cardholder for a Recurring Transaction despite notification of
cancellation.
41

The Merchant continued to charge a Cardholder for a Recurring Transaction despite notification of
cancellation.
Condition
Description
Page
Cardholder withdrew permission to charge the account for a Recurring

Transaction.
1 - 141
Acquirer or Merchant received notification that the Cardholders account was

closed before the Transaction was processed.
1 - 143
An initial membership Transaction was previously charged back and the

Cardholder did not expressly renew the membership.
1 - 144
Recurring Transaction that is Visa Europe Transaction was processed by a

Merchant participating in the Visa Account Updater (VAU) and Stop Service and
any of the following:
1. Stop Instruction for the Transaction, Account or Merchant existed on the Stop
Service prior to the Transaction Date
2. Cardholder previously cancelled Transaction with Merchant
3. Cardholder is deceased
1 - 145
Effective for Chargebacks initiated on or after a Processing Date of 20 April

2013, for Visa Europe Transactions, either a Recurring Transaction was processed
by a Merchant not participating in the Visa Account Updater (VAU) and Stop
Service, or an Instalment Transaction was processed and, for either the:
1. Cardholder is deceased; or
2. Issuer or Cardholder has withdrawn or closed the account facilities; or
3. Cardholder has cancelled the Transaction with either the Issuer or the
Merchant.
1 - 147
1. Visa Europe recommends that the Issuer supply a copy of the cancellation notice to the Acquirer or
Merchant.1
2. Visa Europe recommends that the Issuer supply a copy of the cancellation notice to the Merchant.
3. Proper disclosure of the Merchants cancellation/refund policy has no bearing.
4. For Chargeback Rights and Limitations 4 a variance exists for Domestic Transactions for Greece.2
1-140

15 May 2013
41

Member Message
Text
Documentation
1. Chargeback amount is limited to the unused

portion of the service or merchandise.
2. The Issuer must determine that the Cardholder
attempted to resolve the dispute with the
Merchant (not applicable if prohibited by local
law).
4. Chargeback is invalid for Instalment
Transactions.
CH CANCELLED
MMDDYY
None required
Cardholder withdrew permission to charge the account for a Recurring Transaction.
15 May 2013

1-141
41

Cardholder withdrew permission to charge the account for a Recurring Transaction.
Representment
Rights and
Limitations
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY
ARN X...X
2. REVERSAL
MMDDYY.
None required

conditions.
X...X (Specify the

reason)
None required

Chargeback.
None required
The Electronic
(Exhibit 2E), and
documentation to prove that
service was not cancelled
1-142

15 May 2013
41

Acquirer or Merchant received notification that the Cardholders account was closed before the
Transaction was processed.
Member Message Text
Documentation

portion of the service or merchandise.
law).
Transactions.
NOTIFICATION ACCT
CLOSED MMDDYY
None required
Representment
Rights and
Limitations
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY ARN
X...X
2. REVERSAL MMDDYY.
None required

conditions.
None required

Chargeback.
None required
Both:
1. The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E); and
2. Documents to prove
Acquirer or Merchant
not notified that
account was closed.
15 May 2013

1-143
41

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

1-144
Member Message Text
Documentation
1. Cancellation of a membership Transaction

purchased via the mail, telephone, or electronic
commerce may occur before or during the
membership period.
Transactions.

1. PREVIOUS CB
MMDDYY ARN X...X
2. CARDHOLDER NOT
RENEWED
None required
Representment
Rights and
Limitations
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY ARN
X...X (23 or 24
digits); or
2. REVERSAL MMDDYY
None required

conditions.
None required

Chargeback.
None required
Both:
1. The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E); and
Transaction was not
previously charged
back.

15 May 2013
41

Member Message
Text
Documentation
1. Chargeback amount is limited to the unused portion of the

service or merchandise.
2. For Condition 4.2 and Condition 4.3 both of the following
apply:
a. Stop Instruction is listed on the Stop Service on or
before the Processing Date of the Chargeback
b. The Stop Instruction must remain on the Stop Service
for a minimum period of 30 calendar days from the
Processing Date of the Chargeback
3. Chargeback is invalid if Stop Instruction was not listed on
the Stop Service prior to the Transaction Date and the
Issuer or Cardholder has withdrawn/closed the account
facilities.
4. For Transactions representing payment of a Membership
fee, cancellation may occur before the start of, or during
the Membership period, subject to the terms and
conditions applicable to the Membership - the
Chargeback amount is limited to the unused portion of
the services.
5. Chargeback is invalid for ATM and Plus Transactions.
Any that apply:

1. CARDHOLDER
DECEASED;
2. STOP DATE; or
3. CH CANC
MMDDYY, if
applicable.
The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E) if
applicable.
15 May 2013

1-145
Recurring Transaction that is a Visa Europe Transaction was processed by a Merchant participating in
the Visa Account Updater (VAU) and Stop Service and any of the following:
1. Stop Instruction for the Transaction, Account or Merchant existed on the Stop Service prior to
the Transaction Date;
2. Cardholder previously cancelled Transaction with Merchant; or
3. Cardholder is deceased.
41

Recurring Transaction that is a Visa Europe Transaction was processed by a Merchant participating in
the Visa Account Updater (VAU) and Stop Service and any of the following:
1. Stop Instruction for the Transaction, Account or Merchant existed on the Stop Service prior to
the Transaction Date;
2. Cardholder previously cancelled Transaction with Merchant; or
3. Cardholder is deceased.
and Limitations
Representment
Condition
Member Message Text
Documentation
None
1.

1. CRED MMDDYY
ARN X...X (23 or 24
digits); or
2. REVERSAL
MMDDYY.
None required

the applicable
Chargeback
conditions.
X...X (Specify the

reason)
None required
3. Acquirer can
remedy the
Chargeback.
None required
Both:
1. The Electronic
(Exhibit 2E); and
Cardholder did not cancel
or expressly renewed
membership, if
applicable.
Credit or Reversal
was processed.
1-146

15 May 2013
41

Member Message
Text
Documentation
1. Chargeback is invalid for ATM Transactions and

Transactions at Plus ATMs.
2. Chargeback is invalid for Proximity Payments.
3. Chargeback amount is limited to the unused portion of the
service or merchandise.
Any that apply:

1. ACCOUNT
CLOSED
MMDDYY
2. FACILITIES
WITHDRAWN
3. CARDHOLDER
DECEASED
4. CH CANCMERCH
MMDDYY
5. CH CANC ISS
MMDDYY
The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E)
15 May 2013

1-147
Transactions, either a Recurring Transaction was processed by a Merchant not participating in the Visa
Account Updater (VAU) and Stop Service, or an Instalment Transaction was processed and, for either:
3. Cardholder has cancelled the Transaction with either the Issuer or the Merchant.
41

Transactions, either a Recurring Transaction was processed by a Merchant not participating in the Visa
Account Updater (VAU) and Stop Service, or an Instalment Transaction was processed and, for either
the:
3. Cardholder has cancelled the Transaction with either the Issuer or the Merchant.

1-148
Representment
Rights and
Limitations
Representment Condition
Member Message
Text
Documentation
None

processed.

1. CRED MMDDYY
ARN X...X
(23 or 24 digits)
2. REVERSAL
MMDDYY
None required

conditions.
X...X (Specify the

reason)
None required

Chargeback.
None required
The Electronic
(Exhibit 2E)

15 May 2013
53

Effective up to and including 12 October 2012, 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.
Condition
Description
Page
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 - 150
Merchandise received by Cardholder was damaged or defective and Cardholder

returned the merchandise to the Merchant.
1 - 152
Effective for Chargebacks processed on or after 13 October 2012, merchandise

purchased by the Cardholder was identified as counterfeit by:
1 - 154
The owner of the intellectual property or its authorised representative;

A customs agency, law enforcement agency or other government agency; or
A neutral bona fide expert.
1. For condition 1 only, Visa Europe 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. Effective for Chargebacks processed until 12 October 2012, Merchant is responsible for goods held within
its own countrys 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 this refusal.
5. The Issuer may be required to provide proof of shipping or returned merchandise.
6. Effective for Chargebacks processed until 12 October 2012, a neutral third party opinion is not mandatory,
but the Member may obtain one to support its claim.
7. Effective for Chargebacks processed on or after 13 October 2012, for conditions 1 and 2 only, a neutral
third party opinion is not mandatory, but the Member may obtain one to support its claim.
8. Effective for Chargebacks processed on or after 13 October 2012, for condition 3 only, the Issuer may be
required to provide a copy of the notification obtained by the Cardholder identifying the merchandise as
counterfeit.
9. Effective for Chargebacks processed on or after 13 October 2012, for condition 3 only, unless the
Acquirers Representment successfully remedies the Chargeback, Visa Europe recommends that the
Issuer report to Visa Europe the Cardholders claim of counterfeit merchandise.
15 May 2013

1-149
Effective on or after 13 October 2012, the Cardholder received damaged, defective or counterfeit
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.
53

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.
Member Message
Text
Documentation

portion of the service or returned
merchandise.
2. Issuer must wait 15 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. Chargeback amount must not exceed
original Transaction Amount.
5. The Issuer must determine that the
Cardholder attempted to resolve the dispute
with the Merchant (not applicable if
prohibited by local law).
6. An Issuer must not initiate a Chargeback for
disputes regarding Value-Added Tax (VAT).
7. Chargeback minimum for a T&E Transaction
is US $25 or equivalent.
8. Chargeback is valid if returned merchandise
is refused by the Merchant and Issuer can
provide evidence of refusal.
9. For a Delayed Delivery Transaction, the
Chargeback time frame is 120 calendar days
from the Processing Date of the balance
portion of the Transaction.
10.Chargeback is invalid if returned
merchandise is being held by any customs
agency except the Merchants countrys
customs agency.
11. Chargeback is valid for returned goods held
within the Merchants countrys customs
agency.
NOT AS DESCRIBED

Transfer Method
questionnaire (Exhibit 2E),
stating all of the following, as
applicable:
a) Date merchandise was
returned or service was
cancelled;
b) Name of shipping
company;
c) Invoice/tracking number (if
available);
d) Date Merchant received
the merchandise;
e) Cardholder attempted to
resolve the dispute with the
Merchant;
f) Explanation of what was
not as described; and
g) Date Cardholder received
merchandise or services, if
Chargeback time frame is
calculated from date of
receipt.
2. Proof that Merchant refused
return of merchandise, refused
to provide a return
merchandise authorization, or
informed the Cardholder not
to return the merchandise, if
applicable.
1. Does not apply if waiting period causes Chargeback to exceed Chargeback time frame or if the Chargeback was already
processed prior to the goods being received.
1-150

15 May 2013
53

Representment
Rights and
Limitations
Representment
Conditions
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY
ARN X...X
2. REVERSAL
MMDDYY.
None required

conditions.
X...X (Specify the

reason)
None required

the Chargeback.
RETURNED MDSE NOT

RECEIVED (if
applicable)
Both:
1. The Electronic
(Exhibit 2E); and
2. Documents to prove that
the service or merchandise
was correctly described.
4. Effective for
Representments
processed on or after
20 April 2013, Acquirer
can provide Compelling
Evidence.
None required
Both:
1. The Electronic
(Exhibit 2E); and
15 May 2013

1-151
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.
53

Merchandise received by Cardholder was damaged or defective and Cardholder returned the
merchandise to the Merchant.
Member Message
Text
Documentation
1. Chargeback amount is limited to the value

of the returned merchandise.
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.
Cardholder attempted to resolve the
dispute with the Merchant. (Not
applicable if prohibited by local law)
6. An Issuer must not initiate a Chargeback
for disputes regarding Value-Added Tax
(VAT).
8. Chargeback is valid if returned
merchandise is refused by the Merchant
and Issuer can provide evidence of refusal.
9. For a Delayed Delivery Transaction, the
Chargeback time frame is 120 calendar
days from the Processing Date of the
balance portion of the Transaction.
10.Chargeback is invalid if returned
merchandise is being held by any customs
agency except the Merchants countrys
customs agency.
11. Chargeback is valid for returned goods
held within the Merchants countrys
customs agency.
DEFECTIVE
MERCHANDISE

(Exhibit 2E), stating all of the
following, as applicable:
returned or service was
cancelled;
b) Name of shipping company;
c) Invoice/tracking number (if
available);
d) Date Merchant received the
merchandise;
resolve the dispute with the
Merchant;
f) Explanation of what was
defective; and
g) Date Cardholder received
merchandise or services, if
Chargeback time frame is
calculated from date of
receipt.
return of merchandise, refused to
provide a return merchandise
authorization, or informed the
Cardholder not to return the
merchandise, if applicable.
1-152

15 May 2013
53

Representment
Rights and
Limitations
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY
ARN X...X
(23 or 24 digits)
2. REVERSAL
MMDDYY
None required

conditions.
X...X (Specify the

reason)
None required

the Chargeback.
RETURNED MDSE NOT

RECEIVED (if applicable)
Both:
1. The Electronic
(Exhibit 2E); and
the merchandise was not
defective.
4. Effective for
Representments on or
after 20 April 2013,
Acquirer can provide
Compelling Evidence.
None required
Both:
1. The Electronic
(Exhibit 2E); and
15 May 2013

1-153
Merchandise received by Cardholder was damaged or defective and Cardholder returned the
merchandise to the Merchant.
53

Effective for Chargebacks on or after 13 October 2012, merchandise purchased by the Cardholder was
identified as counterfeit by:

1-154
Member Message
Text
Documentation
1. Chargeback time frame is calculated from

either:
a) The date the Cardholder received the
merchandise but no later than 540
days from the Transaction Processing
Date; or
b) The date the Cardholder was notified
that the merchandise was counterfeit,
not to exceed 540 days from the
Transaction Processing Date.
3. The Cardholder is not required to return
the merchandise or attempt to resolve the
dispute with the Merchant.
4. If the Cardholder was advised that the
merchandise ordered was counterfeit, the
Chargeback may be valid even if the
Cardholder has not received the
merchandise.
5. An Issuer must not initiate a Chargeback
for disputes regarding Value-Added Tax
(VAT).
6. Effective for Chargebacks processed on
or after 13 October 2012, Cardholder is
not responsible for goods held within its
own countrys customs agency or the
customs agency of the Merchants
country.
COUNTERFEIT
MERCHANDISE

following:
a) Certification that the
Cardholder received
notification that the
merchandise is counterfeit
from:
- The owner of the intellectual
property or its authorised
representative;
- A customs agency, law
enforcement agency or other
government agency; or
- A neutral bona fide expert.
b) Date Cardholder received the
merchandise or received
notification that the
merchandise was counterfeit;
c) Description of the counterfeit
merchandise;
d) Disposition or current location
of the merchandise; and
e) Information about the person
or entity that indicated the
merchandise to be
counterfeit, including the
name of the person and/or
entity providing the
notification, and validation
that the person or entity is
qualified to provide the
notification.

15 May 2013
53

15 May 2013
Representment
Rights and
Limitations
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY
ARN X...X
2. REVERSAL
MMDDYY
None required

conditions.
X...X (Specify the

reason)
None required

the Chargeback.
None required
Documents to support the

Merchant's claim that the
merchandise is not counterfeit.

1-155
Effective for Chargebacks on or after 13 October 2012, merchandise purchased by the Cardholder was
identified as counterfeit by:
85

A Merchant did not process a Credit Transaction Receipt as required.

1-156
Condition
Description
Page
Cardholder received a Credit or voided Transaction Receipt that was not

processed.
1 - 158

a) Cardholder returned merchandise, cancelled merchandise, or cancelled
services;
b) Merchant did not issue or process a Credit Transaction Receipt; and
c) Merchant did not properly disclose, or did disclose but did not correctly
apply, a limited return or cancellation policy at the time of the Transaction.
1 - 159

a) Cardholder cancelled the Timeshare Transaction;
b) Cancellation was within 14 calendar days from the contract date or receipt
date of the contract or related documents; and
c) Merchant did not issue a Credit Transaction Receipt.
1 - 161
Any of the following:

a) Cardholder properly cancelled the guaranteed reservation;
b) Cardholder was billed a No-Show Transaction and properly cancelled;
c) Cardholder provides cancellation code provided by a hotel or third-party
booking agent;
d) Merchant or third-party booking agent failed to accept cancellation or
provide a cancellation code;
e) Cardholder attempted to cancel before 18h00. Merchant outlet time and the
reservation was made within 72 hours of the scheduled arrival date but was
billed a No-Show Transaction; or
f) A hotel Merchant or third-party booking agent billed for a No-Show
Transaction for more than one nights stay and applicable taxes when
reservation was cancelled or unclaimed.
1 - 163
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;
b) Merchant provided alternate accommodation but did not issue a Credit
Transaction Receipt; or
c) Merchant did not inform Cardholder of the Hotel or Cruise Line cancellation
policy.
1 - 165
An Original Credit was not accepted because either:

a) Recipient refused the Original Credit; or
b) Original Credit is prohibited by local law.
1 - 167

15 May 2013

a) The 120 calendar-day Chargeback time limit is calculated from one of the following dates:
i. Date on the Credit Transaction Receipt;
ii. Date of the Cardholder letter, if Credit Transaction Receipt is undated; or
iii. Date the Issuer received the Cardholder letter, if both the Credit Transaction Receiptand Cardholder
letter are undated.
b) Refund acknowledgements and credit letters do not qualify as Credit Transaction Receipts unless they
contain all required data.
c) A lost ticket application or refund application is not considered a Credit Transaction Receipt.
a) Proof of shipping does not constitute proof of receipt.
b) If merchandise was shipped prior to cancellation the Cardholder must return the merchandise, if
received.
3. For condition 3 only, Visa Europe recommends that the Issuer provide a copy of the cancellation
notification to the Merchant.
4. For condition 4 only, for Representment of Chargeback for condition 4 only, a Member may include an
explanation of why a cancellation code was not provided, if applicable.
5. If multiple Member message text strings are used, a Member may submit the Electronic Documentation
Transfer Method dispute questionnaire.
15 May 2013

1-157
85

Cardholder received a Credit or voided Transaction Receipt that was not processed.
Member
Message Text
Documentation
1. Issuer must wait 15 calendar days from date on the

Credit Transaction Receipt before initiating a
Chargeback. 1
2. If the Credit Transaction Receipt is undated, the 15
calendar day waiting period does not apply. 1
attempted to resolve the dispute with the Merchant
(not applicable if prohibited by local law).
or equivalent.
5. Chargeback is valid if a void or cancelled notation
appears on the Transaction Receipt.
6. Chargeback is invalid for ATM Cash Disbursements.
7. An Issuer must not initiate a Chargeback regarding
Value-Added Tax (VAT) unless the Cardholder
provides a Credit Transaction Receipt.
CREDIT NOT
PROCESSED
Both:
1. The Electronic
(Exhibit 2E), stating
Cardholder attempted to
resolve the dispute with
the Merchant.
2. Copy of Credit
Transaction Receipt or
voided Transaction
Receipt.
1. Does not apply if the waiting period causes Chargeback to exceed Chargeback time frame or if the Chargeback was
already processed prior to the goods being received.
1-158
Representment
Rights and
Limitations
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY ARN X...X
2. REVERSAL MMDDYY.
None required

conditions.
None required

Chargeback.
None required

15 May 2013
85

Member Message
Text
Documentation

date the merchandise was returned prior to
exercising the Chargeback. 1
US$25, or equivalent.
3. Chargeback amount is limited to either the:
a) Value of the unused portion of the cancelled
service; or
b) Value of the merchandise returned.
4. For merchandise or services provided on or
after the Transaction Processing Date, the 120
calendar day Chargeback time limit is
calculated from the date the merchandise was
received or the date on which the services
were expected to be received.
attempted to resolve the dispute with the Merchant
(not applicable if prohibited by local law).
6. Chargeback is valid if returned merchandise is
refused by the Merchant.
Disbursements.
8. Chargeback is invalid for disputes regarding
the quality of the service rendered or the
quality of merchandise.
9. Chargeback is invalid if returned merchandise
is being held by any customs agency except
the Merchants countrys customs agency.
10.Chargeback is valid for returned goods held
within the Merchants countrys customs
agency.
11. Chargeback must not exceed original
Transaction Amount.

1. MERCHANDISE
RETURNED
MMDDYY;
2. MERCHANDISE
CANCELLED
MMDDYY; or
3. SERVICE
CANCELLED
MMDDYY.
1. The Electronic
following:
cancelled or returned or
service cancelled;
b) Name of shipping
company, if applicable;
c) Invoice/tracking number,
if available;
d) Date Merchant received
merchandise, if available;
and
return of merchandise,
refused to provide a return
merchandise authorization,
or informed the Cardholder
not to return the
merchandise, if applicable.
15 May 2013

1-159

1. Cardholder returned merchandise, cancelled merchandise, or cancelled services;
2. Merchant did not process a Credit Transaction; and
3. Merchant did not properly disclose, or did disclose but did not correctly apply, a limited return
or cancellation policy at the time of the Transaction.
85

1. Cardholder returned merchandise, cancelled merchandise, or cancelled services;
2. Merchant did not process a Credit Transaction; and
3. Merchant did not properly disclose, or did disclose but did not correctly apply, a limited return
or cancellation policy at the time of the Transaction.
Representment
Rights and
Limitations
Representment
Conditions
Member Message Text
Documentation
None
was processed.

1. CRED MMDDYY ARN
2. REVERSAL MMDDYY.
None required

the applicable
Chargeback
conditions.
None required

the Chargeback.
RETURNED MDSE NOT

RECEIVED (if applicable)
Both:
1. The Electronic
(Exhibit 2E); and
other records to prove
Merchant properly
disclosed a limited return
or cancellation policy at the
time of the Transaction, as
specified in the Visa Europe
Operating Regulations,
Volume IGeneral Rules,
Section 5.1.A.2.b, Section
5.2.B.8, or Section 5.4.N.3,
as applicable.
1-160

15 May 2013
85

15 May 2013
Member Message Text
Documentation

law).
3. Chargeback is valid for a Timeshare
Transaction that is not processed with the
correct Merchant Category Code.
Disbursements.

1. TIMESHARE CANC
MMDDYY CONTRACT
RECEIPT MMDDYY (contract
receipt date if applicable); or
2. CH ATTEMPT TO RESOLVE.
None required


1. Cardholder cancelled the Timeshare Transaction;
2. Cancellation was within 14 calendar days from the contract date or receipt date of the contract
or related documents; and
3. Merchant did not process a Credit Transaction.
1-161
85

1. Cardholder cancelled the Timeshare Transaction;
2. Cancellation was within 14 calendar days from the contract date or receipt date of the contract
or related documents; and
3. Merchant did not process a Credit Transaction.

1-162
Representment
Rights and
Limitations
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY
ARN X...X
2. REVERSAL
MMDDYY.
None required

conditions.
X...X (Specify the

reason)
None required

the Chargeback.
None required
1. The Electronic
(Exhibit 2E);
Transaction was not
cancelled within 14
calendar days of the
contract date or receipt
date of the contract or
related documents.

15 May 2013
85

1.
15 May 2013
Member Message Text
Documentation

Cardholder attempted to resolve the
dispute with the Merchant (not
applicable if prohibited by local law).
Disbursements.
4. Chargeback is invalid for disputes
regarding the quality of the service
rendered or the quality of
merchandise.

1. CANC MMDDYY CODE
XXXX; or
2. CH ATTEMPT TO
RESOLVE.

(Exhibit 2E), stating any of the
following:
1. Cardholder properly cancelled
the guaranteed reservation and
one of the following:
a) Merchant billed a No-Show
Transaction;
b) Merchant failed to accept
cancellation or provide
cancellation
code; or
c) Reservation was made
within 72 hours of arrival
date and cancelled prior to
18h00.
2. Hotel or third-party booking
agent billed a No-Show
Transaction for more than one
nights stay; or
3. Cancellation code, if available.
A Hotel using a third party booking agent must accept the cancellation code provided by the third party booking agent.

1-163

1. Cardholder properly cancelled the guaranteed reservation;
2. Cardholder was billed a No-Show Transaction and properly cancelled;
3. Cardholder provides cancellation code provided by a Hotel or third party booking agent1;
4. Merchant or third-party booking agent failed to accept cancellation or provide a cancellation
code;
5. Cardholder attempted to cancel before 18h00. Merchant outlet time and the reservation was
made within 72 hours of the scheduled arrival date but was billed a No-Show Transaction; or
6. A Hotel or third-party booking agent billed for a No-Show Transaction for more than one
nights stay and applicable taxes when reservation was cancelled or unclaimed.
85

1. Cardholder properly cancelled the guaranteed reservation;
2. Cardholder was billed a No-Show Transaction and properly cancelled;
3. Cardholder provides cancellation code provided by a Hotel or third party booking agent1;
4. Merchant or third-party booking agent failed to accept cancellation or provide a cancellation
code;
5. Cardholder attempted to cancel before 18h00. Merchant outlet time and the reservation was
made within 72 hours of the scheduled arrival date but was billed a No-Show Transaction; or
6. A Hotel or third-party booking agent billed for a No-Show Transaction for more than one
nights stay and applicable taxes when reservation was cancelled or unclaimed.
Representment
Rights and
Limitations
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY ARN
2. REVERSAL MMDDYY.
None required

conditions.
None required

Chargeback.
None required
The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E), with
explanation of why the
cancellation code was
invalid, if applicable.
1.
1-164
A Hotel using a third party booking agent must accept the cancellation code provided by the third party booking agent.

15 May 2013
85

15 May 2013
Member Message Text
Documentation
1. For Chargeback condition 1, time limit is 120

calendar days from Cardholder cancellation
date.
2. For Chargeback condition 2 and condition 3,
time limit is 120 calendar days from
Cardholders scheduled date of arrival.
Cardholder attempted to resolve the dispute
with the Merchant (not applicable if
prohibited by local law).
4. Chargeback minimum for a T&E Transaction
is US $25 or equivalent.
Disbursements.
Any that applies:

1. CANC MMDDYY CODE
XXXX
2. ALT ACCOMM PROVIDED
NO CREDIT ISSUED
3. CH NOT ADVISED OF
CANC POLICY
4. CH ATTEMPT TO RESOLVE
None required


1. Cardholder properly cancelled the Advance Deposit Transaction but Merchant did not issue a
Credit Transaction Receipt;
2. Merchant provided alternate accommodation but did not process a Credit Transaction; and
3. Merchant did not inform Cardholder of the Hotel or Cruise Line cancellation policy.
1-165
85

1. Cardholder properly cancelled the Advance Deposit Transaction but Merchant did not issue a
Credit Transaction Receipt;
2. Merchant provided alternate accommodation but did not process a Credit Transaction; or
3. Merchant did not inform Cardholder of the Hotel or Cruise Line cancellation policy.
Representment
Rights and
Limitations
Representment
Conditions
Member Message Text
Documentation
None
was processed.

1. CRED MMDDYY ARN
2. REVERSAL MMDDYY.
None required

the applicable
Chargeback
conditions.
None required

the Chargeback.
None required
Both:
1. The Electronic
Documentation
Transfer Method
2E); and
that Cardholder was
informed about
cancellation policy (if
applicable)
1-166

15 May 2013
85

15 May 2013
Member Message Text
Documentation
Chargeback time frame is calculated from

the Processing Date of the Original Credit.
RECIPIENT REFUSES CREDIT

NOT ALLOWED BY LOCAL LAW
None required
Representment
Rights and
Limitations
Representment
Conditions
Member Message Text
Documentation
None
1. Reversal was
processed.
REVERSAL MMDDYY
None required

the applicable
Chargeback
conditions.
None required
3. Originating Member
can remedy the
Chargeback.
None required

An Original Credit was not accepted because either:

1. Recipient refused the Original Credit; or
2. The Original Credit was prohibited by local law.
1-167
Dispute Group 6Non-Receipt Goods/Services
1.11
DISPUTE GROUP 6NON-RECEIPT GOODS/SERVICES

A Cardholder did not receive ordered merchandise or services, or cash from an ATM, or Load
Transaction value from a Load Device.
30 Services Not Provided or Merchandise Not Received; and
90 Non-Receipt of Cash or Load Transaction Value at ATM or Load Device.
Reason Code 30 Services Not Provided or Merchandise Not Received

Merchant was unable or unwilling to provide services (including Visa Prepaid Load Services), or
Cardholder or authorized person did not receive the merchandise at the agreed-upon location or by the
agreed-upon date.
Reason Code 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.
15 May 2013
General Requirements For Dispute Group 6Non-Receipt Goods/Services

Chargeback
Representment
Time Limit

Processing Date.

General Rights and

Limitations
Additional
Information
1. Refer to individual reason codes

processed on or after 20 April
2013, the Issuer should attempt
to address any Compelling
Evidence provided.

1-169
Table 1-26
30

Merchant was unable or unwilling to provide services (including Visa Prepaid Load Services), or
Cardholder or authorized person did not receive the merchandise at the agreed-upon location or by the
agreed-upon date.
Condition
Description
Page
Cardholder or authorised person participated in the Transaction, and did not

receive purchased services, because Merchant was unwilling or unable to provide
the services.
1 - 171
Cardholder or authorised person did not receive ordered merchandise.
1 - 173
1. For condition 1 only, if the services were to be provided after the Processing Date of the Transaction, the
120 calendar-day time frame is calculated from the date that the Cardholder expected to receive the
service, or when the Cardholder was first made aware that the services would not be provided. This timeframe must not exceed 540 calendar days from the Processing Date of the Transaction.
a) If the merchandise were to be provided after the Transaction Processing Date, the 120 calendar day time
frame is calculated from the last expected date that the Cardholder expected to receive the merchandise
or when the Cardholder was first made aware that the merchandise would not be provided. This timeframe must not exceed 540 calendar days from the Processing Date of the Transaction.
b) Proof of shipping does not constitute proof of receipt.
c) If the merchandise was to be provided after the Processing Date of the Transaction, the 120 calendar-day
time frame is calculated from the date that the Cardholder expected to receive the merchandise.
1-170

15 May 2013
30

Member Message Text
Documentation
1. Prior to exercising the Chargeback,

Cardholder must attempt to resolve the
dispute with the Merchant or the
Merchants liquidator, if applicable (not
applicable if prohibited by local law).
2. If date services were expected is not
specified, Issuer must wait until 15
calendar days from the Transaction
Date before exercising the Chargeback.1
3. Effective up to and including 12
October 2012, Chargeback is invalid for
a No-Show Transaction.
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.
8. Chargeback is invalid for the initial
payment of a Delayed Delivery
Transaction when the remaining
balance was not paid and the Merchant
is willing and able to provide the service.
9. Merchant is responsible for goods held
at a customs agency that is not the
Cardholders countrys customs agency.
10.Chargeback is invalid for ATM Cash
Disbursements.
SERVICES NOT RENDERED

BY MMDDYY
Both:
1. The Electronic
(Exhibit 2E), stating both:
a) Services not rendered
by expected date; and
b) Cardholder attempt to
Processing Date of
20 April 2013, a detailed
description of the services
ordered but not rendered.
15 May 2013

1-171
Cardholder or authorized person participated in the Transaction, and did not receive purchased
services (including Visa Prepaid Load Services), because the Merchant was unwilling or unable to
provide the services.
30

Cardholder or authorized person did not receive purchased services (including Visa Prepaid Load
Services), because the Merchant was unwilling or unable to provide the services.
Representment
Rights and
Limitations
Representment
Conditions
Member Message Text
Documentation
None
was processed.

1. CRED MMDDYY ARN
2. REVERSAL MMDDYY.
None required

the applicable
Chargeback
conditions.
None required

the Chargeback.
None required
Both:
1. The Electronic
(Exhibit 2E); and
2. Documentation to prove
that Cardholder received
services.
4. Effective for
Representments
processed on or after
20 April 2013,
Acquirer can provide
Compelling Evidence.
None required
Both:
1. The Electronic
(Exhibit 2E); and
1-172

15 May 2013
30

Member Message
Text
Documentation
1. Cardholder must attempt to resolve the dispute

with the Merchant or the Merchants liquidator, if
applicable (not applicable if prohibited by local law).
2. Chargeback amount is limited to the portion of the
merchandise or tickets not received.
3. Chargeback is invalid for the initial payment
(deposit) of a Delayed Delivery Transaction when
the remaining balance was not paid and the
Merchant is willing and able to provide the
merchandise.
4. If a delivery date for the goods is not specified,
Issuer must wait until 15 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 Cardholders country.
6. Chargeback is invalid if the Cardholder cancelled
merchandise prior to the expected delivery date.
7. Chargeback is invalid for disputes regarding the
8. Chargeback is invalid when the Cardholder states
that the Transaction was fraudulent.
9. For disputes involving merchandise:
a) Prior to exercising a Chargeback, if merchandise
was delivered after agreed upon delivery date,
the Cardholder must attempt to return the
merchandise; or
b) If the merchandise was returned due to late
delivery, the Issuer must wait at least 15 calendar
days from the date the Cardholder returned or
attempted to return the merchandise prior to
exercising the Chargeback.1
10.Merchant is responsible for goods held at a customs
agency that is not the Cardholders countrys
customs agency.
11. Chargeback is invalid for ATM Cash Disbursements.
$25 or equivalent.
MERCH NOT
RECEIVED MMDDYY
Both:
1. The Electronic
Documentation
Transfer Method
questionnaire
(Exhibit 2E), stating
any of the following,
as applicable:
a) Merchandise was
not received;
b) Expected arrival
date of the
merchandise; or
c) Merchandise not
received at
agreed-upon
location (Issuer
must specify); or
d) Cardholder
attempted to
resolve with
Merchant; or
e) Merchandise
returned
MMDDYY.
2. Effective for
Chargebacks
Processing Date of
20 April 2013, a
detailed description
of the merchandise
ordered but not
received.
15 May 2013

1-173
Cardholder or authorised person participated in the transaction, and did not receive ordered
merchandise.
30

Cardholder or authorised person participated in the transaction, and did not receive ordered
merchandise.
Representment
Rights and
Limitations
Representment
Conditions
Member Message Text
Documentation
None
was processed.

1. CRED MMDDYY ARN
X...X (23 or 24
digits); or
2. REVERSAL MMDDYY.
None required

the applicable
Chargeback
conditions.
None required

the Chargeback.
None required
Both:
1. The Electronic
(Exhibit 2E); and
2. Documentation to prove that
merchandise or ticket was
received by Cardholder or
authorized person on
agreed-upon date or at
agreed-upon location
4. Effective for
Representments on
or after 20 April
2013, Acquirer can
provide Compelling
Evidence.
None required
Both:
1. The Electronic
(Exhibit 2E); and
1-174

15 May 2013
90
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.
Condition
Description
Page
Cardholder participated in the Transaction, and did not receive cash or Load
Transaction value, or received a partial amount.
1 - 176
None
15 May 2013

1-175
90
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 cash or Load Transaction value, or
received a partial amount.

1-176
Member Message Text
Documentation
1. Chargeback is limited to the amount

not received.
2. Chargeback is invalid when Cardholder
states that the Transaction was
fraudulent or the Transaction was
posted twice.

1. CASH/VALUE NOT RECEIVED; or
2. CASH/VALUE AMT $XXXX
RECD $XXXX.
None required
Representment
Rights and
Limitations
Representment
Conditions
Member Message Text
Documentation
None

processed.

1. CRED MMDDYY ARN X...X
2. REVERSAL MMDDYY.
None required

the applicable
Chargeback
conditions.
None required

the Chargeback.

1. TX TIME HH:MM, SEQ
#XXXXX, AMT DISPNS
$XXX.XX; or
2. ACQR CERTS ATM IN
BALANCE ON MMDDYY.
None required

15 May 2013
Arbitration
2.1
ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3
Reason . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3
Pre-Arbitration Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3
Pre-Arbitration Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3
Pre-Arbitration Response . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3
Pre-Arbitration Acceptance or Rebuttal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 4
Arbitration Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 4
Filing Reasons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 4
Filing Procedures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 4
Invalid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 5
Valid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 5
Review Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 6
Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 6
Appeal Rights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 7
Finality of Decision on Appeal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 7
Exceptions to the Arbitration Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 7
15 May 2013

2-1
Arbitration
2.1
ARBITRATION
Arbitration allows Visa Inc., for International Transactions, and Visa Europe, for Visa Europe
Transactions, to assign liability for a disputed Transaction when the Chargeback and Representment
process fails to resolve the dispute.
2.1.A
Reason
If a Customer and/or Member cannot resolve a dispute through the Chargeback and Representment
process, a Customer and/or Member may request Arbitration within the allowable time limits, as set
out in Section 2.1.C.2.b and Section 2.1.C.2.c. A requesting Member is liable for any difference, due to
currency fluctuation, between the Transaction Amount and the amount of the Chargeback or the
amount of the Representment.
2.1.B
Pre-Arbitration Conditions
Before filing for Arbitration, the requesting Customer or the requesting Member must make a preArbitration attempt to resolve the dispute if any of the following conditions apply:
New documentation or information is being provided to the opposing Customer or to the

opposing Member about the dispute;
Effective for Representments processed on or after 20 April 2013, the Acquirer represented
with Compelling Evidence. The Issuer must certify in its pre-Arbitration attempt that it
attempted to contact the Cardholder to review the Compelling Evidence;
The Issuer changes the reason code for the dispute after the Representment was
processed;
Effective for Representments processed up to and including 19 April 2013, the Acquirer
represented for:
Reason code 81 for an Airline Transaction; or
Reason code 83, with compelling evidence that the Cardholder participated in the
Transaction, in which case, the Issuer must include recertification that states that the
Transaction is still considered fraudulent;
Effective for Representments processed on or after 20 April 2013, the Acquirer provided
evidence that the Cardholder no longer disputes the Transaction. The Issuer must certify in its
pre-Arbitration attempt that the Cardholder still disputes the Transaction; or
The Transaction is an ATM Transaction and the ATM Transaction Record is required, in which
case, the Issuer must certify that either:
The Cardholder requires a copy of the ATM Transaction Record; or
The ATM Transaction Record is required for legal or insurance purposes.
The Acquirer or Load Acquirer must provide a copy of the ATM Transaction Record at pre-Arbitration
to prove the disbursed cash amount or the Load Transaction value. For ATM Transactions, the
Transaction Record must be provided together with an explanation or key to the data fields in
English.
2.1.B.1
Pre-Arbitration Attempt
2.1.B.1.a
A pre-Arbitration attempt must include the information required in Exhibit 2N or the Electronic
Documentation Transfer Method questionnaire.
2.1.B.1.b
When a Customer or a Member undertakes a pre-Arbitration attempt, that pre-Arbitration attempt

must be initiated, using the Electronic Documentation Transfer Method, at least 30 calendar days
prior to the Arbitration filing date.
2.1.B.2
15 May 2013
Pre-Arbitration Response
A Customer or a Member must provide a copy of the Transaction Record for an ATM Transaction in
response to a pre-Arbitration request from another Customer or Member.

2-3
Arbitration
2.1.B.3
2.1.B.3.a
Pre-Arbitration Acceptance or Rebuttal

If, as a result of the pre-Arbitration attempt, the opposing Customer or the opposing Member accepts
financial responsibility for the disputed Transaction, it must:
Process the acceptance using the Electronic Documentation Transfer Method; and
Credit the requesting Customer or the requesting Member for the final monetary amount
received by that requesting Customer or that requesting Member, which relates to the
disputed Transaction, through the Visa System, (as specified in Visa Europe Operating
Regulations, Volume IGeneral Rules, Section 8.9.B) within 30 calendar days of the date of the
submission of that pre-Arbitration attempt.
2.1.B.3.b
If the opposing Customer or the opposing Member does not accept financial liability as a result of the
pre-Arbitration attempt, the requesting Customer or requesting Member may file for Arbitration.
2.1.B.3.c
An opposing Customer or an opposing Member may communicate its acceptance or rebuttal of a preArbitration attempt using the Electronic Documentation Transfer Method.
2.1.C
Arbitration Process
2.1.C.1
Filing Reasons
An Acquirer may file for Arbitration if an Issuer has processed a prohibited second Chargeback
following any Representment.
An Issuer may file for Arbitration if:
Required documentation (as set out in the Visa Europe Operating Regulations,
Volume IIDispute Resolution Rules) to support the Representment was incomplete or not
transmitted within five calendar days of the Processing Date of the Representment.
Acquirer improperly represented a Chargeback to the Issuer;
Acquirer processed a prohibited second Representment; or
Acquirer Reference Number or 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 must file its Arbitration request with either:
Its Group Member where the requesting Member is a member of a Group Member; or
Visa Europe.
2.1.C.2.b
Time Limit
The requesting Customer or the requesting Member must file its request for Arbitration and all
documentation required in accordance with Section 2.1.C.2.d, using the Electronic Documentation
Transfer Method, within:
30 calendar days of the Processing Date of the Chargeback or the Representment if preArbitration was not initiated; or
60 calendar days of the Processing Date of the Chargeback or the Representment if

pre-Arbitration was initiated. The 60 calendar-day period includes the 30 calendar days preArbitration waiting period.
2.1.C.2.c
In addition to the time limits specified for case filing set out above, a Group Member has 30 additional
calendar days to file a case relating to an Arbitration request that was submitted to that Group
Member by its member. The 30 additional calendar days applies to cases relating to International
Transactions, Country-to-Country Transactions, and Domestic Transactions.
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15 May 2013
Arbitration
2.1.C.2.d
Required Documentation
When seeking Arbitration, the requesting Customer or Member must provide all of the following, in
English:
Information required in Exhibit 2J or the Electronic Documentation Transfer Method

questionnaire for each Transaction being disputed;
Information required in Exhibit 2N or the Electronic Documentation Transfer Method

questionnaire;
Information required in Dispute Resolution forms (Exhibit 2E) or the Electronic Documentation
Transfer Method questionnaires; and
Any supporting documentation relevant to the Transaction in dispute.

Additional information or documentation not previously provided to the opposing Customer or
Member must not be included in the case filing for Arbitration.
2.1.C.2.e
2.1.C.3
Filing Fees
If a request for Arbitration relating to either an International Transaction or a Visa Europe Transaction
is made, a filing fee, as specified in Section 2.1.C.7 will be collected from the requesting Member through
the Visa System as specified in Visa Europe Operating Regulations, Volume IGeneral Rules, Section 8.9.A.
Invalid Request
2.1.C.3.a
Group Members
If a Member has filed with its Group Member in accordance with Section 2.1.C.2.a and that Group
Member determines that a requesting Members request for Arbitration is invalid, it must return the
request to that requesting Member. The requesting Member has no further recourse.
2.1.C.3.b
Arbitration and Compliance Committee

If a request for Arbitration is rejected by the Arbitration and Compliance Committee, the filing fee set
out at Section 2.1.C.2.e may still be charged.
If Visa Europe determines that a request is invalid, it may reject the case and retain the filing fee in
circumstances, such as:
Requesting Member did not file the request within the required time limits;
Multiple Acquirers, Issuers, Account Numbers, Merchants and filing reasons are involved, or
A bundled case filing, containing more than 10 Chargebacks, was submitted.
2.1.C.4
Valid Request
2.1.C.4.a
Notification
The requesting Member and the opposing Customer or Member (as relevant) shall be notified of
acceptance of the Arbitration case.
2.1.C.4.b
Opposing Members Response

If the opposing Customer or opposing Member chooses to respond, it must do so within 14 calendar
days of the Visa notification date using the Electronic Documentation Transfer Method, stating either
that:
It does not accept financial liability for the Transaction and submit evidence stating its
case; or
It accepts financial liability for the Transaction.
2.1.C.4.c
The requesting Customer or requesting Member may withdraw its request for Arbitration. If this
withdrawal is due to the opposing Customers or opposing Member's acceptance of liability for the
disputed Transaction, the filing fee will be collected from the responsible Customer or Member
through the Visa System at the time that the case is closed, as specified in Visa Europe Operating
Regulations, Volume IGeneral Rules, Section 8.9.A. The responsible Customer or Member will be
notified as to its financial responsibility for the disputed Transaction.
15 May 2013

2-5
Arbitration
2.1.C.4.d
2.1.C.5
Arbitration Decision
The Arbitration and Compliance Committee shall base 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 Europe
Operating Regulations, Volume IIDispute Resolution Rules effective on the Transaction Date and may, at
its sole discretion, consider other factors such as the objective of ensuring fairness. The decision shall
be both:
Issued in writing and delivered to both parties involved in the Arbitration; and
Final and not subject to any challenge, except for any permitted right of appeal.
Financial Liability
2.1.C.5.a
The decision of the Arbitration and Compliance Committee may result in either:
Full liability being assigned to one Customer or one Member; or
Shared financial liability.
2.1.C.5.b
The responsible Customer or Member is financially liable for the Transaction Amount.
If the opposing Customer or Member is responsible, the requesting Customer or Member may collect
this amount from the opposing Customer or Member through the Visa System within 60 calendar days
of written notification from the Arbitration and Compliance Committee.
2.1.C.6
Review Fee
2.1.C.6.a
For cases that relate to an International Transaction, the responsible Customer or Member is
financially liable for the US $250 review fee, as specified in the Visa Europe Operating Regulations,
Volume IGeneral Rules, Section 8.7.A, which will be collected through the Visa System within 30
calendar days of written notification from the Arbitration and Compliance Committee, at the time of
case closure.
2.1.C.6.b
For cases that relate to a Visa Europe Transaction, the responsible Member is financially liable for the
270 review fee, as specified in the Visa Europe Operating Regulations, Volume IGeneral Rules,
Section 8.7.A, which will be collected through the Visa System within 30 calendar days of written
notification from the Arbitration and Compliance Committee, at the time of case closure.
2.1.C.7
Filing Fee
2.1.C.7.a
financially liable for the US $250 filing fee, as specified in the Visa Europe Operating Regulations,
Volume IGeneral Rules, Section 8.7.A, which will be collected through VisaNet within 30 calendar days
of written notification from the Arbitration and Compliance Committee, at the time of case closure.
2.1.C.7.b
270 filing fee, as specified in the Visa Europe Operating Regulations, Volume IGeneral Rules,
Section 8.7.A, which will be collected through VisaNet within 30 calendar days of written notification
from the Arbitration and Compliance Committee, at the time of case closure.
2-6

15 May 2013
Arbitration
2.1.C.8
2.1.C.8.a
Appeal Rights
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
2.1.C.8.b
2.1.C.9
Arbitration Appeal Rights
Disputed Amount
Appeal Right
Appeal Authority
Less than US $5,000
No
Not applicable
Greater than US $5,000
Only if Customer or Member can

provide new evidence not
previously available
Senior Management Arbitration

and Compliance Committee
Time Limits
If a Customer or a Member is found to be liable for the disputed Transaction through Arbitration and
such Customer or Member decides to appeal that decision, it must file an appeal, using the Electronic
Documentation Transfer Method, within 60 calendar days of the date of notification of the Arbitration
decision.
Appeal Filing Fee
2.1.C.9.a
When filing for an appeal, the requesting Customer or Member is assessed an Arbitration appeal filing
fee of five per cent of the value of the disputed Transaction, up to a maximum of US $1,000 or local
currency equivalent.
2.1.C.9.b
The Arbitration appeal filing fee cannot be recovered from Visa Inc. or Visa Europe or the opposing
Customer or opposing Member.
2.1.C.10
2.1.D
Finality of Decision on Appeal

The decision on any permitted appeal for cases is final and not subject to any challenge.
Exceptions to the Arbitration Process

If a Member either misses a deadline due to a Visa System failure or fails to submit documentation
electronically due to a Visa System failure, Visa Europe and/or Visa Inc., as applicable, may negate the
impact of such failure by granting an exception to the dispute resolution time limits or documentation
requirements, as necessary.
15 May 2013

2-7
Compliance
3.1
COMPLIANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
3.2
FILING CONDITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
3.3
PRE-COMPLIANCE CONDITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
Pre-Compliance Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
Data Compromise Recovery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
Pre-Compliance Acceptance or Rebuttal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
Pre-Compliance Acceptance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
Pre-Compliance Rebuttal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3
Pre-Compliance Response . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4
3.4
COMPLIANCE PROCESS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4
Filing Reasons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4
Chargeback Reduction Service Return . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4
Hotel Reservation Service or Specialized Vehicle Reservation Service Transaction . 3 - 4
Unauthorized Signature . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 5
Split Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 5
Copy Fulfilment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 6
Delayed or Amended Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 6
Non-Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 6
Electronic Commerce Transaction (Attempts Authentication) . . . . . . . . . . . . . . . . . . 3 - 6
Account Generated Counterfeit Fraud . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 7
Liability Shift For Electronic Commerce Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 7
Compliance Process for Transactions Using 3D Secure . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 7
Filing Procedures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 - 11
Filing Authority . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 - 11
Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 - 11
Required Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12
Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12
Invalid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12
Group Member . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12
Visa Europe . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13
15 May 2013

3-1
Compliance
Valid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13
Visa Europe Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13
Opposing Members Response . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13
Requesting Members Withdrawal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13
Compliance Decision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13
Review Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14
Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14
Appeal Rights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14
Appeal Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14
Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14
Finality of Decision on Appeal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 15
Exceptions to the Compliance Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 15
3-2

15 May 2013
Compliance
3.1
COMPLIANCE
Compliance allows a Customer and a Member that has no Chargeback, Representment, preArbitration or Arbitration right to file a complaint against a Customer or a Member for a violation of the
Visa Europe Operating Regulations, Volume IIDispute Resolution Rules. A requesting Member is liable for
any difference, due to currency fluctuation, between the Transaction Amount and the amount of the
Chargeback or the amount of the Representment.
3.2
FILING CONDITIONS
A Customer and a Member may file for Compliance if all of the following are true:
A violation of the Visa Inc. Operating Regulations, in the case of Customers, and the Visa Europe
Operating Regulations, in the case of Members, has occurred;
The Customer or Member has no right to a Chargeback or a Representment in relation to such

violation;
The Customer or Member incurred, or will incur, a financial loss as a direct result of such
violation; and
The Customer or Member would not have incurred the financial loss had the violation not
occurred.
A violation not involving a Transaction is resolved as specified in Visa Europe Operating Regulations,
Volume IGeneral Rules, Section 1.6, and as deemed appropriate by Visa.
3.3
PRE-COMPLIANCE CONDITIONS
Before filing for Compliance, the requesting Customer or Member must attempt to resolve the dispute
with the opposing Customer or Member by sending a pre-Compliance attempt.
3.3.A
Pre-Compliance Attempt
A pre-Compliance attempt must include the information required in Exhibit 2O or the Electronic
Documentation Transfer Method questionnaire, and the following information:
Planned date for filing the case for Compliance; and
All other pertinent documentation relevant to the rule in dispute.

The pre-Compliance attempt must be sent to the opposing Customer or Member using the Electronic
Documentation Transfer Method at least 30 calendar days prior to the Compliance filing date.
3.3.B
Data Compromise Recovery

For data compromise event alerts issued on or after 1 October 2007, a violation involving a data
compromise event will be resolved as specified in Visa Europe Operating Regulations, Volume IGeneral
Rules, Section 1.6.
3.3.C
Pre-Compliance Acceptance or Rebuttal
3.3.C.1
Pre-Compliance Acceptance
If, as a result of the pre-Compliance attempt, the opposing Customer or the opposing Member accepts
financial responsibility for the disputed Transaction, it must credit the requesting Customer or the
requesting Member for the final monetary amount of financial loss incurred by that requesting
Customer or requesting Member, which relates to the violation of a rule in the Visa Europe Operating
Regulations, through the Visa System, (as specified in Visa Europe Operating Regulations,
Volume IGeneral Rules, Section 8.9.B) within 30 calendar days of the date of submission of that preCompliance attempt.
3.3.C.2
Pre-Compliance Rebuttal
If the opposing Customer or opposing Member does not accept financial liability as a result of the preCompliance attempt, the requesting Customer or requesting Member may file for Compliance.
15 May 2013

3-3
Compliance
3.3.C.3
3.4
3.4.A
Pre-Compliance Response
An opposing Customer or opposing Member must communicate its acceptance, or rebuttal of a preCompliance attempt using the Electronic Documentation Transfer Method.
COMPLIANCE PROCESS
Filing Reasons
A Member and a Customer may file for Compliance for any violation of the Visa Europe Operating
Regulations by a Member, and for any violation of the Visa Inc. Operating Regulations by a Customer, in
respect of an International Transaction, including the Transaction violations listed in this
Section 3.4.A.
3.4.A.1
3.4.A.1.a
Chargeback Reduction Service Return

An Issuer may file for Compliance where the Chargeback Reduction Service returned a valid
Chargeback or Representment resulting from a Member transmitting incorrect or invalid data in a
Clearing Record such as:
Incorrect Transaction Date;
Incorrect Merchant Category Code;
Invalid indicator for the Merchant or Transaction type; and
Incorrect state/country code or special condition indicator.

In order to file for Compliance for this reason, the Issuer must provide both:
Evidence of incorrect or invalid data; and
Evidence that Member was able to meet Chargeback or Representment conditions.
3.4.A.1.b
A Customer or a Member may file for Compliance where the Chargeback Reduction Service returns a
Chargeback or a Presentment which relates to a Transaction with a valid Authorization.
In order to file for Compliance for this reason, the Customer or the Member must provide the following
evidence:
Disputed Transaction Receipt;
Proof that Transaction received an Authorization; and
Evidence of the Chargeback Reduction Service return.
3.4.A.2
3-4
Hotel Reservation Service or Specialized Vehicle Reservation Service Transaction

A Customer or a Member may file for Compliance where a Cardholder used the Hotel Reservation
Service or the Specialized Vehicle Reservation Service and one of the following occurred:
The Merchant provided alternative accommodation or an alternative vehicle, but the Cardholder
was charged for the accommodation or Specialized Vehicle reserved for that Cardholder. (In
order to file for Compliance for this reason, the Issuer must provide one of the following forms
of evidence: a letter from the Cardholder confirming the check-in date or car rental date, the
Merchant Outlet, and the location of the alternative accommodation or vehicle);
The Transaction Amount of the No-Show Transaction was different from the amount quoted to
the Cardholder at the time of booking. (In order to file for Compliance for this reason, the Issuer
must provide the written confirmation (or a copy thereof) of the quoted rates as evidence); or
The Merchant did not inform the Cardholder of the exact Merchant Outlet address and that
Cardholder used and paid for the accommodation or car rental at another Merchant Outlet of
that Merchant. (In order to file for Compliance for this reason, the Issuer must provide the
payment receipt copy for that other Merchant Outlet as evidence).

15 May 2013
Compliance
3.4.A.3
Unauthorized Signature
3.4.A.3.a
Subject to Section 3.4.A.3.b below, an Issuer may file for Compliance where a Cardholder's account
was charged for a Transaction under the following circumstances:
The Cardholder denies authorizing or participating in the Transaction;
A Card that was lost or stolen, and then returned to the Issuer, was used in the disputed
Transaction; or
The first initial or the first letter of the first name is not the same, or the surname of the
signature on the Transaction Receipt is not spelled the same, as that on the Card signature
panel.
3.4.A.3.b
The rule set out in Section 3.4.A.3.a above is not applicable to:
A Transaction using a Vehicle-Specific Fleet Card;
An Emergency Cash Disbursement;
An Emergency Travelers Cheque Refund;
A Priority Check-out Transaction; or
Payment using a Card that is not a standard plastic payment card.
3.4.A.3.c
If the Issuer files for Compliance for the reason set out in this Section 3.4.A.3.c, it must provide all of the
following as evidence:
A letter from that Cardholder denying authorization and participation in the Transaction;
A completed Unauthorized Signature - Issuer Certification (Exhibit 2G), stating that the recovered
Card signature panel was unaltered and describing the circumstances under which the Card
was recovered;
The Transaction Receipt; and
A copy of the front and back of the returned Card.
3.4.A.4
Split Transaction
3.4.A.4.a
An Issuer may file for Compliance where it suspects that a Merchant has avoided obtaining a single
Authorization for a Transaction by preparing two or more Transaction Receipts, and no Authorization
was obtained for the combined amount of the Transaction Receipts or a Merchant received a Decline
Response and split the sale into two or more Transactions in order to obtain an Authorization.
3.4.A.4.b
The purchase of multiple Airline tickets or multiple Cruise Line tickets issued at the same time on the
same Account Number, which receive individual Authorization, is considered to be a single
Transaction.
3.4.A.4.c
To be considered a split Transaction, the separate Transaction Receipts must each contain all of the
following:
Same Account Number and expiry date
Same Transaction Date. Visa considers undated Transaction Receipts to have the same date.
Same Merchant Outlet
Initials of the same sales clerk or code indicating the same department number. Visa considers
Transaction Receipts without initials or department numbers to have the same clerk or
department.
Sequential printed numbers. Visa considers Transaction Receipts without printed numbers to
be sequentially numbered.
15 May 2013

3-5
Compliance
A Merchant's cash register imprint showing consecutive Transactions takes precedence over
preprinted numbers on Transaction Receipts.
Required Documentation:
Original or copy of the Transaction Receipts; and
Evidence of attempted Authorization for full amount.

3.4.A.5
Copy Fulfilment
3.4.A.5.a
Effective for Chargebacks initiated up to and including a Processing Date of 19 April 2012, an
Acquirer may file for Compliance where that Acquirer cannot remedy Chargeback Reason Code 60
Illegible Fulfilment because it is not able to provide a legible Transaction Receipt copy, because it is
physically damaged, due to circumstances beyond the Acquirer's or Merchant's control, such as a
natural disaster.
3.4.A.5.b
An Issuer may file for Compliance if an Acquirer fails to provide an Issuer with a copy of a Transaction
Receipt in response to a Retrieval Request for documentation required for legal proceedings or a law
enforcement investigation, provided that the Retrieval Request was made within 13 months of the
Processing Date of the Transactions of either the:
Visa Europe Transaction which generated that Transaction Receipt; or
International Transaction which generated that Transaction Receipt.
3.4.A.5.c
In order to file for Compliance for this reason, the Issuer must provide as evidence either:
Evidence that the Transaction Receipt is required for legal proceedings (for example a court
order or subpoena); or
A written statement from the Issuer stating that the Transaction Receipt is required for a law
enforcement investigation.
3.4.A.6
Delayed or Amended Charges

An Issuer may file for Compliance if a Cardholder is disputing a Delayed or Amended Charge
Transaction for damage to a rental vehicle or a traffic violation and the Car Rental Company has failed
to provide:
Evidence that the Cardholder has given prior written consent to such Delayed or Amended
Charge Transaction; and
Evidence of damage to a rental vehicle or of the traffic violation.
3.4.A.7
Non-Card
An Issuer may file for Compliance where a Merchant submits a Transaction Receipt generated in a
Card-Present Environment, the Merchant did not obtain an Authorization for the Transaction and the
card was not a Card or a Counterfeit Card.
3.4.A.8
Electronic Commerce Transaction (Attempts Authentication)

An Issuer may file for Compliance in respect of an Electronic Commerce Transaction coded with ECI
value "6", where:
A Cardholder, who has not asserted that the Electronic Commerce Transaction was
fraudulent, requires additional information about that Electronic Commerce
Transaction; and
The Acquirer did not respond to a Retrieval Request from the Cardholder's Issuer with a
Fulfilment, or the Acquirer responded to that Retrieval Request with a non-fulfilment message
code "03" or "04".
In order to file for Compliance for this reason, the Issuer must provide as evidence the Cardholder letter
requesting more information about that Electronic Commerce Transaction.
3-6

15 May 2013
Compliance
3.4.A.9
3.4.B
Account Generated Counterfeit Fraud

A Member may file for Compliance for 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
Transaction did not take place at an EMV-Compliant Chip-Reading Device;
All valid Cards bearing Account Numbers within the same account range as the Counterfeit
Card are Chip Cards containing a Visa Smart Payment;
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;
Effective for Transactions with a Transaction Date up to and including 14 October 2011, for
Cardholder-Activated Transactions Type A originating from a Merchant inside the Territory,
the Transaction value is greater than or equal to 25;
Effective for Transactions with a Transaction Date up to and including 14 October 2011, for
Cardholder-Activated Transactions Type B originating from a Merchant inside the Territory
with a Merchant Category Code 4784 (Toll and Bridge Fees), Transaction value is greater than
or equal to 25; and
Effective for Transactions with a Transaction Date on or after 15 October 2011:

the Transaction Amount is greater than 25;
the Transaction takes place at an Unattended Acceptance Terminal inside the
Territory; and
the Merchant Outlet is assigned one of the following Merchant Category Codes:
4111 Local and Suburban Commuter Passenger Transportation, including Ferries;
4112 Passenger Railways;
4131 Bus Lines;
4784 Tolls and Bridge Fees; or
7523 Parking Lots and Garages.
Liability Shift For Electronic Commerce Transactions

Issuers must not process Chargeback Reason Code 83 FraudCard-Absent Environment for Visa
Europe Transactions when the Merchant attempted to validate the Visa Europe Transaction using 3-D
Secure but the Cardholder was not participating in 3-D Secure. However, Issuers retain Chargeback
rights when no authentication was attempted by the Merchant, or when the Issuer responded
negatively to an authentication request.
3.4.C
Compliance Process for Transactions Using 3D Secure

An Issuer may file for Compliance when participation in the 3-D Secure service or authentication is in
dispute. Table 3-1 to Table 3-5 specify the dispute resolution procedure, required documentation and
the distribution of liability.
An Issuer may file for Compliance for International Transactions using 3-D Secure as specified in
Section 3.4.A.
1.
15 May 2013
A variance to this requirement applies, to exclude Transactions involving Issuers or Acquirers from Visa Inc. (Latin America
and Caribbean and U.S.A).

3-7
Compliance
Table 3-1 specifies the Compliance process for Transactions using 3-D Secure when the Issuer does not
participate in the service.
Table 3-1
3D Secure Compliance ProcessIssuer Non-Participation
Issuer Checks
Pre-Compliance
Response
Compliance
Response
Issuer requests
proof of positive
authentication
(such as Payer
Authentication
Response (PARes)
message) from the
Acquirer
Issuer may file for

Compliance if the
proof provided is
not valid
Visa Europe
arbitrates
If proof
provided is
valid the
Issuer is liable
If proof
provided is
invalid the
Acquirer is
liable
Issuer may file for

Compliance if the
proof provided is
not valid
Visa Europe
arbitrates
If proof
provided is
valid the
Issuer is liable
If proof
provided is
invalid the
Acquirer is
liable
ECI 5 Received
None
If no proof is
available the
Acquirer is liable
ECI 6 Received
None
Issuer requests
proof of attempted
authentication
(such as VEReq/
VERes pair or
CRRes1) from the
Acquirer
If no proof is
available then the
Acquirer is liable
1.
3-8
The CRRes must prove the Cache was updated no more than 24 hours prior to the Transaction.

15 May 2013
Compliance
Table 3-2 specifies the Compliance process for Transactions using 3-D Secure when the Issuer
participates in the service but the Cardholder does not.
Table 3-2
3D Secure Compliance ProcessCardholder Non-Participation
Issuer Checks
Pre-Compliance
Response
Compliance
Response
Issuer requests
proof of positive
authentication
(such as Payer
Authentication
Response (PARes)
message) from the
Acquirer
Issuer may file for

Compliance if proof
provided is not
valid
Visa Europe
arbitrates
If proof
provided is
valid then the
Issuer is liable
If proof
provided is
invalid then the
Acquirer is
liable
Visa Europe
arbitrates
If proof
provided is
valid then the
Issuer is liable
If proof
provided is
invalid then the
Acquirer is
liable
ECI 5 Received
Issuer doublechecks in the
Access Control
Server (ACS) that
the Cardholder is
not enrolled. If ACS
shows Cardholder
is not enrolled,
Issuer may raise a
pre-Compliance
If no proof is
available then the
Acquirer is liable
ECI 6 Received
Issuer checks ACS
for proof of
Merchant attempt.
If record (such as
VEReq/VERes
pair) is not present,
Issuer may raise a
pre-Compliance.
Issuer requests
proof of attempted
authentication
(such as VEReq/
VERes pair or
CRRes1) from the
Acquirer
Issuer may file for

Compliance if proof
provided is not
valid
If no proof is
available then the
Acquirer is liable
1.
15 May 2013

3-9
Compliance
Table 3-3 specifies the Compliance process for Transactions using 3-D Secure when both the Issuer
and the Cardholder participate in the service, but the Issuer declined the authentication for the
Transaction.
Table 3-3
3D Secure Compliance ProcessIssuer Declined
Issuer Checks
Pre-Compliance
Response
Compliance
Response
Issuer requests
proof of positive
authentication
(such as PARes
message) from the
Acquirer
Issuer may file for

Compliance if
proof provided is
not valid
Visa Europe
arbitrates
If proof
provided is
valid the Issuer
is liable
If proof
provided is
invalid the
Acquirer is
liable
ECI 5 Received
Issuer checks
Access Control
Server (ACS) for
Payer
Authentication
Response
(PARes) showing
declined
authentication.
Issuer may check
AHS to validate
PARes record.
If ACS/AHS
shows decline
response in
PARes the Issuer
may raise a preCompliance.
If PARes shows
Yes response
the Issuer is
liable.
If no proof is
available the
Acquirer is liable
and Cardholder participate in the service, but the Issuer was not given the opportunity to authenticate
the Transaction.
.
Table 3-4
3D Secure Compliance ProcessIssuer Unable to Authenticate
Issuer
Checks
Pre-Compliance
Response
Compliance
Response
Issuer requests
proof of attempted
authentication
(such as VEReq/
VERes pair or
CRRes1) from the
Acquirer
Issuer may file for

Compliance if
proof provided is
not valid
Visa Europe
arbitrates
If proof
provided is
valid the Issuer
is liable
If proof
provided is
invalid the
Acquirer is
liable
ECI 5 Received
Issuer checks own
records to verify both:
Cardholder was
enrolled in 3-D
Secure service at
time of Transaction
VEReq/VERes
pair were not
received
If records confirm
these, Issuer raises
a pre-Compliance
1.
3-10
If no proof is
available the
Acquirer is liable

15 May 2013
Compliance
and Cardholder participate in the service, but the Issuer never received a Payer Authentication Request
(PAReq)/Payer Authentication Response (PARes) pair for the Transaction.
Table 3-5
3D Secure Compliance ProcessPAReq not Received by Issuer
Issuer
Checks
Pre-Compliance
Response
Compliance
Response
Issuer requests
proof of positive
authentication
(such as the PARes
message) from the
Acquirer
Issuer may file for

Compliance if
proof provided is
not valid
Visa Europe
arbitrates
If proof
provided is valid
the Issuer is
liable
If proof
provided is
invalid the
Acquirer is
liable
ECI 5 Received
Issuer checks its
own records for a
PAReq/PARes pair.
If not found, Issuer
may check the
AHS.
If no proof is
available the
Acquirer is liable
3.4.D
Filing Procedures
3.4.D.1
Filing Authority
3.4.D.1.a
The requesting Member must file its Compliance request with either:
Its Group Member where the requesting Member is a Member of a Group Member; or
Visa Europe.
3.4.D.1.b
A requesting Customer or requesting Member must file its request for Compliance and all
documentation required in accordance with Section 3.4.D.3 using the Electronic Documentation
Transfer Method.
3.4.D.2
3.4.D.2.a
Time Limits
When initiating Compliance, the requesting Customer or requesting Member must file its Compliance
request within 90 calendar days.
Effective until 12 October 2012, this time limit is calculated as beginning on the day following either:
The Processing Date; or
The "date of discovery", which is the date on which the requesting Customer or requesting
Member discovered that a violation had occurred (not to exceed two years from the
Transaction Date), if no evidence of the violation was previously available to the requesting
Customer or requesting Member.
Effective from 13 October 2012, for all Transactions except for Credit Transactions that are deemed to
be fraudulent, this time limit is calculated as beginning on the day following either:
The Processing Date; or
The "date of discovery", which is the date on which the requesting Customer or requesting
Member discovered that a violation had occurred (not to exceed two years from the
Transaction Date), if the Customer or Member provides evidence that this is the date on which
the financial loss was discovered.
15 May 2013

3-11
Compliance
Effective from 13 October 2012, for Credit Transactions that are deemed to be fraudulent, this time
limit is calculated as beginning on the day following one of the following dates:
The Processing Date of the Reversal of the fraudulent Credit Transaction;
The Processing Date of the original Transaction that is deemed to be fraudulent; or
The Processing Date of the withdrawal, from the account, of the funds that relate to that
fraudulent Credit Transaction.
3.4.D.2.b
If the requesting Customer or requesting Member does not file its Compliance request within the time
limits specified above, it loses its Compliance right and is financially liable for the dispute which is the
subject of that Compliance request.
3.4.D.2.c
In addition to the time limits specified for case filing set out above, a Group Member has 30 additional
calendar days to file a case relating to a Compliance request that was submitted to its Group Member
in accordance with Section 3.4.D.1.a by its Member. The 30 additional calendar days apply to cases
relating to International Transactions, Country-to-Country Transactions, and Domestic
Transactions.
3.4.D.3
Required Documentation
When filing for Compliance, the requesting Customer or requesting Member must submit all of the
following, in English:
Information required in Exhibit 2K or the Electronic Documentation Transfer Method

questionnaire for each violation of the Visa Inc. Operating Regulations, in the case of Customers,
and the Visa Europe Operating Regulations, in the case of Members;
Information required in Exhibit 2O or the Electronic Documentation Transfer Method

questionnaire;
If the Compliance involves a prior Chargeback, a completed Exhibit 2E or the Electronic

Documentation Transfer Method questionnaire for each Chargeback or Representment;
Any supporting documentation relevant to the violation of the Visa Inc. Operating Regulations,
in the case of Customers, and the Visa Europe Operating Regulations, in the case of
Members; and
Documentation substantiating that a financial loss would not have resulted had the violation
of the Visa Inc. Operating Regulations, in the case of Customers, and the Visa Europe Operating
Regulations, in the case of Members, not occurred.
Additional information or documentation not previously provided to the opposing Customer or
opposing Member prior to filing the Compliance case must not be included in the case filing for
Compliance.
3.4.D.4
3-12
Filing Fee
If a request for Compliance relating to a Customers breach of the Visa Inc. Operating Regulations or a
Members breach of the Visa Europe Operating Regulations is made by a Member, a filing fee as specified
in Section 3.4.F.7 will be collected from the requesting Member through the Visa System, as specified
in Visa Europe Operating Regulations, Volume IGeneral Rules, Section 8.7.A.
3.4.E
Invalid Request
3.4.E.1
Group Member
If a Member has filed with its Group Member in accordance with Section 3.4.D.1.a and that Group
Member determines that a requesting Members request for Compliance is invalid, it must return the
request for Compliance to that requesting Member. The requesting Member has no further recourse.

15 May 2013
Compliance
3.4.E.2
Visa Europe
If a request for Compliance is rejected by the Arbitration and Compliance Committee, the requesting
Member may still be charged the filing fee.
If Visa Europe determines that a request is invalid, it may reject the case and retain the filing fee in
circumstances such as:
Requesting Member did not provide all the necessary documentation;
Multiple Acquirers, Issuers, Account Numbers, Merchants and filing reasons

are involved; or
A bundled case filing, containing more than 10 Chargebacks, was submitted.
3.4.F
Valid Request
3.4.F.1
Visa Europe Notification

The requesting Member and the opposing Customer or opposing Member (as relevant) shall be
notified of acceptance of the Compliance case.
3.4.F.2
Opposing Members Response

If the opposing Customer or opposing Member chooses to respond, it must do so within 14 calendar
days of the Visa notification date using the Electronic Documentation Transfer Method, stating either
that:
It does not accept financial liability for the Transaction and submit evidence stating its
case; or
It accepts financial liability for the Transaction.
3.4.F.3
Requesting Members Withdrawal
3.4.F.3.a
The requesting Customer or requesting Member may withdraw its request for Compliance. If this
withdrawal is due to the opposing Customer's or opposing Member's acceptance of liability for the
financial loss resulting from a Transaction that was in violation of a rule in the Visa Europe Operating
Regulations, or the Visa Inc. Operating Regulations, as applicable, the filing fee will be collected from the
responsible Customer or Member through the Visa System at the time that the case is closed, as
specified in Visa Europe Operating Regulations, Volume IGeneral Rules, Section 8.9.A. The responsible
Customer or Member will be notified as to it financial responsibility.
3.4.F.4
Compliance Decision
The Arbitration and 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 Dispute Resolution
Rules 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 parties involved in the Compliance; and
Final and not subject to any challenge, except for any permitted right of appeal.
3.4.F.4.a
3.4.F.5
3.4.F.5.a
15 May 2013
If the Arbitration and Compliance Committee determines that a Delayed or Amended Charge
Transaction specified in Section 3.4.A.6 is unsupportable or unreasonable, the Arbitration and
Compliance Committee may find the Acquirer liable for some or all of the delayed or amended
charge.
Financial Liability
The decision of the Arbitration and Compliance Committee may result in either:
Full liability being assigned to one Customer or one Member; or
Shared financial liability.

3-13
Compliance
3.4.F.5.b
The responsible Customer or Member is financially liable for the Transaction Amount.
If the opposing Customer or Member is responsible, the requesting Customer or Member may collect
this amount from the opposing Customer or Member through the Visa System within 60 calendar days
of written notification from the Arbitration and Compliance Committee.
3.4.F.6
Review Fee
3.4.F.6.a
financially liable for the US $250 review fee, as specified in the Visa Europe Operating Regulations,
case closure.
3.4.F.6.b
270 review fee, as specified in the Visa Europe Operating Regulations, Volume IGeneral Rules,
Section 8.7.A which will be collected through the Visa System within 30 calendar days of written
3.4.F.7
Filing Fee
3.4.F.7.a
financially liable for the US $250 filing fee, as specified in the Visa Europe Operating Regulations,
case closure.
3.4.F.7.b
270 filing fee, as specified in the Visa Europe Operating Regulations, Volume IGeneral Rules,
Section 8.7.A, which will be collected through the Visa System within 30 calendar days of written
3.4.G
Appeal Rights
3.4.G.1
Appeal Amount
The US dollar amount, or local currency equivalent, of the case determines whether the adversely
affected Customer or Member may appeal the decision, as shown in Table 3-6.
Table 3-6
3.4.G.2
3-14
Compliance Appeal Rights
Disputed Amount
Appeal Right
Appeal Authority
Less than US $5,000
No
Not applicable
Greater than US $5,000
Only if Customer or Member

can provide new evidence not
previously available
Senior Management Arbitration

and Compliance Committee
Time Limits
If a Customer or a Member is found to be liable for the disputed Transaction through Compliance and
such Customer or Member decides to appeal that decision, it must file an appeal, using the Electronic
Documentation Transfer Method, within 60 calendar days of the date of notification of the Compliance
decision.

15 May 2013
Compliance
3.4.G.3
Appeal Filing Fee
3.4.G.3.a
When filing for an appeal against a Compliance decision, the requesting Customer or Member is
assessed a Compliance appeal filing fee of five per cent of the value of the disputed Transaction, up to
a maximum of US $1,000 or local currency equivalent.
3.4.G.3.b
The Compliance appeal filing fee cannot be recovered from Visa Inc. or Visa Europe or the opposing
Customer or opposing Member.
3.4.G.4
3.4.H
Finality of Decision on Appeal

The decision for any permitted appeal on a case is final and not subject to any challenge.
Exceptions to the Compliance Process

If a Member either misses a deadline due to a Visa System failure or fails to submit documentation
electronically due to a Visa System failure, Visa Europe and/or Visa Inc., as applicable, may negate the
impact of such failure by granting an exception to the dispute resolution time limits or documentation
requirements, as necessary.
15 May 2013

3-15
Exhibits
RISK
Exhibit 1A
Exhibit 1B
Exhibit 1C
Exhibit 1F
Lost or Stolen Card Report . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 4

Exception File Update Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 5
Recovered Card Advice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 6
Recovered Counterfeit Card Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 7
DISPUTE RESOLUTION
Exhibit 2E
Exhibit 2E-1
Exhibit 2E-2
Exhibit 2E-3
Exhibit 2E-4
Exhibit 2E-5
Exhibit 2E-6
Exhibit 2E-1
Exhibit 2E-2
Exhibit 2E-3
Exhibit 2E-4
Exhibit 2E-5
Exhibit 2E-6
Exhibit 2F
Exhibit 2G
Exhibit 2J
Exhibit 2K
Exhibit 2L
Exhibit 2M
Exhibit 2N
Exhibit 2O
Exhibit 2P
Dispute Resolution Forms - Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 9

Issuer Chargeback Form - Request for Information . . . . . . . . . . . . . . . . . . . . . . A - 11
Issuer Chargeback Form - Fraud . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 12
Issuer Chargeback Form - Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 13
Issuer Chargeback Form - Processing Error . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 14
Issuer Chargeback Form - Cancelled/Returned . . . . . . . . . . . . . . . . . . . . . . . . . A - 15
Issuer Chargeback Form - Non-Receipt Goods/Services . . . . . . . . . . . . . . . . . A - 16
Acquirer Representment Form - Request for Information . . . . . . . . . . . . . . . . . A - 17
Acquirer Representment Form - Fraud . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 18
Acquirer Representment Form - Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . A - 19
Acquirer Representment Form - Processing Error . . . . . . . . . . . . . . . . . . . . . . A - 20
Acquirer Representment Form - Cancelled/Returned . . . . . . . . . . . . . . . . . . . . A - 21
Acquirer Representment Form - Non-Receipt Goods/Services . . . . . . . . . . . .A - 22
Summary of Unauthorized Telephone Service Transactions . . . . . . . . . . . . . .A - 23
Unauthorized Signature - Issuer Certification . . . . . . . . . . . . . . . . . . . . . . . . . . A - 24
Summary of Arbitration Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 25
Summary of Compliance Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 26
BASE II Record Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 27
Visa Europe Clearing and Settlement Record Requirements . . . . . . . . . . . . . A - 39
Pre-Arbitration Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 51
Pre-Compliance Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 52
Cardholder Dispute Resolution Request Form . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 53
AUTHORIZATION
Exhibit 3A
Exhibit 3B
Exhibit 3C
Exhibit 3D
Exhibit 3E
15 May 2013
Required Message Content for VisaNet Financial Transactions . . . . . . . . . . .A - 55

Required Message Content for VisaNet Authorization Requests . . . . . . . . . A - 63
Required Message Content for Visa Europe Systems Financial
Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 75
Required Message Content for Visa Europe Systems
Authorization Requests . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 84
Certification of Special Authorization Representment Amount . . . . . . . . . . A - 98

A-1
Exhibits - List
BIN
Exhibit 4A
Exhibit 4A
Exhibit 4B
Exhibit 4B
Exhibit 4D
Exhibit 4E
Exhibit 4E
Exhibit 4F
Exhibit 4F
Exhibit 4G
Exhibit 4I
Exhibit 4J
BIN License Agreement Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 100

BIN License Agreement Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 104
Change of BIN Licensee / User Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 108
Change of BIN Licensee / User Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 110
Member Portfolio Sale Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 112
Release of BIN Form Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 113
Release of BIN Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 115
Visa Interchange Directory Update Form Instructions . . . . . . . . . . . . . . . . A - 117
Visa Interchange Directory Update Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 121
Global Customer Assistance Services (GCAS) Card Issuer
Information Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 127
Stand-In Emergency Services Processing Form . . . . . . . . . . . . . . . . . . . . . . . . .A - 128
Emergency Service Location Form VISA 911 . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 129
LICENSE/AGREEMENT
Exhibit 5A
Exhibit 5B
Visa System Letter of Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 131

Licensed Software and Designated Computers . . . . . . . . . . . . . . . . . . . . . . . . .A - 132
TRANSACTION RECEIPTS
Exhibit 7A
Exhibit 7I
Exhibit 7J
Exhibit 7K
80-Column Cash Disbursement Transaction Receipt . . . . . . . . . . . . . . . . . . A - 134

Electronic Transaction Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 135
Manual Transaction Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 138
Electronic Commerce Transaction Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 142
EMV LIABILITY SHIFT

Exhibit 8A
Exhibit 8B
Visa Europe EMV Liability Shift Flow Diagram . . . . . . . . . . . . . . . . . . . . . . . . A - 144

Visa Europe EMV Liability Shift Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 145
PROXIMITY PAYMENTS
Exhibit 9A
Exhibit 9B
A-2
Visa Contactless Payment Specification Data Field Descriptions . . . . . . . . A - 148

Visa Mobile Contactless Payment Specification Data Field Descriptions . A - 149

15 May 2013
RISK
RISK
Exhibit 1A
Exhibit 1B
Exhibit 1C
Exhibit 1F
15 May 2013
Lost or Stolen Card Report . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 4

Exception File Update Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 5
Recovered Card Advice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 6
Recovered Counterfeit Card Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 7

A-3
RISK Exhibit 1A
Exhibit 1A
Lost or Stolen Card Report

GENERAL INFORMATION
Date of Report:
Attention:
Time of Report:
Date Fax Received:

Card Type:
Lost
Business
Stolen
Classic
Visa Electron Card
Corporate
Gold/Premier
Purchasing
Visa Infinite
If Account Number Unavailable, List Isssuer:
CARDHOLDER INFORMATION
Account Number:
Cardholder
Name:
First:
Middle:
Last:
Billing Address/City/State/Postal Code/Country:
Home Phone Number:
Temporary Phone Number:
CARDHOLDER IDENTIFICATION INFORMATION

Place of Loss/Theft:
Date of Loss/Theft:
Circumstances of Loss/Theft:
ID Number:
ID Type:
Number of
Cards Issued:
Date of Birth:
Number of
Cards Missing:
ADDITIONAL CARDHOLDER INFORMATION

Last Purchase Date:
Cardholder advised to confirm loss in writing?
Yes
No
Cardholder advised not to use Card with same number?
Yes
No
EMERGENCY SERVICE REQUEST INFORMATION

Emergency Services Requested?
Yes
No
NOTIFICATION INFORMATION
Issuer Notified?
Spoke To:
Yes
No
Date:
By:
Center Number (BIN):
Time:
Phone/Telex/Fax:
GCAS INFORMATION ONLY
A-4
Date Fax Received:
By:
Time:
Verification Number:
Advised of verification number?
Yes
No
Operator Number:
BASE Blocked?
Yes
No

15 May 2013
RISK Exhibit 1B
Exhibit 1B
Exception File Update Form

Exception File Transaction Request
UPD CODES: 1 = Add, 2 = Change, 3 = Delete
ACTION CODES:
04 Pick Up Card
05 Do Not Honour
07 Pick Up Card / Special Attention
41 Lost Card / Pick Up
43 Stolen Card / Pick Up
REGION CODES:
The account will not be included in any bulletins
Asia
CEMEA
Canada
Europe
Latin America
PURGE DATE: (Year / Month / Day)
UPD CODE
ACCOUNT NUMBER
PURGE DATE
ACTION DATE
REGION
Information must be typed for processing.

Completed by:
Fax:
Phone Number:
Submittal Date: (Month / Day / Year)
15 May 2013

A-5
RISK Exhibit 1C
Exhibit 1C
Recovered Card Advice
Date:
Issuer:
BIN:
Acquirer:
BIN:
Recovered Card Account Number:

Recovery Notification (Date and Time):
Method of Recovery Notification:
Reason for Recovery:
Amount of Reward Paid to Merchant or Teller:
Total Amount of Fee Collection:
Fee Collection Input Date:
A-6

15 May 2013
RISK Exhibit 1F
Exhibit 1F
Recovered Counterfeit Card Notification
Date:
Issuer:
Acquirer:
BIN:
BIN:
Account Number on Card:
Method of Recovery:
Reason for Recovery:
Was Card recovered by law enforcement?:
Yes
No
If yes:
Name and Address:
Name of Member Contact:
Phone:
Fax:
INSTRUCTIONS
Cut card horizontally.
Do not damage Magnetic Stripe, hologram or embossed number.
Please return the completed form with recovered Counterfeit Card within 10 calendar days of receipt to:
Visa Europe
PO Box 39662
London W2 6WH
United Kingdom
Visa Europe Use Only:

Date:
Reviewed by:
15 May 2013

A-7
DISPUTE RESOLUTION
DISPUTE RESOLUTION
DISPUTE RESOLUTION
Exhibit 2E
Exhibit 2E-1
Exhibit 2E-2
Exhibit 2E-3
Exhibit 2E-4
Exhibit 2E-5
Exhibit 2E-6
Exhibit 2E-1
Exhibit 2E-2
Exhibit 2E-3
Exhibit 2E-4
Exhibit 2E-5
Exhibit 2E-6
Exhibit 2F
Exhibit 2G
Exhibit 2J
Exhibit 2K
Exhibit 2L
Exhibit 2M
Exhibit 2N
Exhibit 2O
Exhibit 2P
A-8
Dispute Resolution Forms - Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 9

Issuer Chargeback Form - Request for Information . . . . . . . . . . . . . . . . . . . . . . A - 11
Issuer Chargeback Form - Fraud . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 12
Issuer Chargeback Form - Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 13
Issuer Chargeback Form - Processing Error . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 14
Issuer Chargeback Form - Cancelled/Returned . . . . . . . . . . . . . . . . . . . . . . . . . . A - 15
Issuer Chargeback Form - Non-Receipt Goods/Services . . . . . . . . . . . . . . . . .A - 16
Acquirer Representment Form - Request for Information . . . . . . . . . . . . . . . . . A - 17
Acquirer Representment Form - Fraud . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 18
Acquirer Representment Form - Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . A - 19
Acquirer Representment Form - Processing Error . . . . . . . . . . . . . . . . . . . . . . . A - 20
Acquirer Representment Form - Cancelled/Returned . . . . . . . . . . . . . . . . . . . . A - 21
Acquirer Representment Form - Non-Receipt Goods/Services . . . . . . . . . . . A - 22
Summary of Unauthorized Telephone Service Transactions . . . . . . . . . . . . . . A - 23
Unauthorized Signature - Issuer Certification . . . . . . . . . . . . . . . . . . . . . . . . . . A - 24
Summary of Arbitration Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 25
Summary of Compliance Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 26
BASE II Record Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 27
Visa Europe Clearing and Settlement Record Requirements . . . . . . . . . . . . . A - 39
Pre-Arbitration Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 51
Pre-Compliance Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 52
Cardholder Dispute Resolution Request Form . . . . . . . . . . . . . . . . . . . . . . . . . . A - 53

15 May 2013
DISPUTE RESOLUTION Exhibit 2E
Exhibit 2E
Dispute Resolution Forms - Instructions

Chargeback/Representment Documentation Transmittal
Use these forms for Chargebacks and for Representments to Chargebacks to provide the opposing
Member with information about the dispute. These forms must be completed and sent each time
supporting documents for a Chargeback or Representment are provided to the opposing Member. For
some Chargeback reason codes, a Member Message Text may be used in lieu of this form.
Always complete the Member Information, Cardholder Information, Transaction Information and
Member Contact Information sections of the form. Complete the Chargeback Reason and
Representment Reason sections as follows:
For first Chargebacks, check the appropriate Chargeback reason code and convey all the
relevant information about the dispute in the fields provided. Some fields may apply to more
than one Chargeback reason code in the dispute group
For Representments, indicate the Chargeback reason code that was received, the Receipt Date
of the Chargeback and convey all the relevant information about the Representment in the
fields provided. Some fields may apply to more than one Chargeback reason code in the
dispute group
If the Chargeback reason code is changed at pre-Arbitration, the Issuer must send the Acquirer the
required information and any supporting documentation required for the new reason code. The Issuer
may change its reason code only if the change is based on new information provided by the Acquirer
upon Representment.
For both Chargebacks and Representments, if further explanation is necessary, use the Additional
Information section provided on each form. Members may attach additional pages to the form if
necessary.
Always complete the estimated Input Date/Settlement Date. The Input Date is the outgoing Edit
Package run date. The Settlement Date is the Value provided in Field 15 of the Single Message System
Transaction. This date may be used by the Receiving Member to match the documentation with the
related Single Message System or, Visa Europe Clearing and Settlement Service or BASE II
transmission.
Attach related documentation to this transmittal and send to the Receiving Member through the
Electronic Documentation Transfer Method.
Visa Europe recommends that Members always provide all documentation and information that best
support their case.
Table A-1
15 May 2013
Dispute Resolution Forms
To BIN
This field must contain the unique six-digit number assigned by Visa Europe to
the Receiving Member or Processor
From BIN
This field must contain the unique six-digit number assigned by Visa Europe to
the Sending Member or Processor
Chargeback Reference
Number
If used, this field must contain a unique six-digit number assigned by the
Issuer to identify the source of the Chargeback. If present, the Acquirer must
return the same number in any Representment
Account Number
The Account Number field must contain the Account Number. If the Account
Number exceeds 16 digits, the Account Number extension field must be used.
If the Account Number consists of fewer than 16 digits, the field must be zerofilled to the right of the Account Number
Cardholder Name
This field may contain the name of the Cardholder that appears on the Card

A-9
DISPUTE RESOLUTION Exhibit 2E
Table A-1
Dispute Resolution Forms (Continued)
Acquirer Reference Number
The Acquirer Reference Number, as shown in the original Presentment, must

be included in all Chargebacks, Retrieval Requests and Representments.
Visa Europe Clearing and Settlement Service and BASE II: This field must
contain the 23-digit identification number assigned to the record in the first
Presentment and must be included in the Clearing Record for each Transaction
processing cycle. The Acquirer Reference Number consists of the following:
Position 1: Format Code
Position 2-7: BIN
Position 8-11: Endorsement Date (YDDD)
Position 12-22: Film Locator Number
Position 23: Check digit
If multiple Telephone Service Transactions are charged back in a single
Chargeback record, the Acquirer Reference Number must be from the
Transaction with the earliest Endorsement Date.
Single Message System: This field must contain the 24-digit Acquirer
Reference Number or Tracing Data in the following positions:
Position 1-6: The same information as that contained in the Acquiring
Institution ID field of the V.I.P. System record or the Visa Europe
Authorization Service record
Position 7-10: Transaction Date (YDDD)
Position 11-18: Locator Number
Position 19-24: Systems Trace Audit Number
MCC (Merchant Category

Code)
This field must contain the appropriate four-digit Merchant Category Code, as
specified in Appendix B, Merchant Data Standards
Merchant Name
This field must contain the same name as the Merchant or Acquirer name (for
Cash Disbursements) appearing on the Transaction Receipt. It should be the
doing business as (DBA) name of the Merchant or Member or a name more
recognised to Cardholders. It must consist of no more than 25 Roman alphabet
characters.
Merchant Location
The location, in Roman alphabet letters, of the Merchant Outlet or Member

location where the Transaction occurred. City names that contain more than
13 characters must be abbreviated. Visa Europe may grant a variance for this
requirement upon receipt of written request.
Transaction Date
The Transaction Date is the actual date on which a Transaction occurred. It is

classified as the purchase date in the Visa Europe Clearing and Settlement
Service and BASE II. The Transaction Date must be expressed as a six-digit
code in the format MMDDYY.
Processing Date
The Processing Date is the date (based on Greenwich Mean Time) on which a
Member submits the Interchange Data to, and the data is accepted by, a Visa
Interchange Centre. Equivalents to the Processing Date are:
In the Visa Europe Clearing and Settlement Service and BASE II, the
Processing Date; and
In the Single Message System, the Settlement Date.
The Processing Date must be expressed as a six-digit code in the format
MMDDYY.
A-10
Transaction Amount
On the Issuer Chargeback Form, this field must contain the actual billed
amount in the Billing Currency.
On the Acquirer Representment Form, this field must contain the original
Presentment amount in the Transaction Currency or the Chargeback amount
received in the Settlement Currency.
Disputed Amount
This field must contain the actual disputed amount, if different to the
Transaction Amount.

15 May 2013
DISPUTE RESOLUTION Exhibit 2E-1
Exhibit 2E-1
Effective until 12 October 2012, Issuer Chargeback Form - Request for Information
MEMBER INFORMATION
To BIN:
From BIN:
Chargeback Reference Number:
(if used)
Account Number:
Cardholder Name (optional):

TRANSACTION INFORMATION
Acquirer Reference Number:
MCC:
Transaction ID:
Merchant Name:
Merchant Location:
Transaction Date (MMDDYY):
Processing Date (MMDDYY):
Transaction Amount:
Disputed Amount:
(In Billing Currency)
(If different from Transaction Amount)
CHARGEBACK REASON CODE
Check the reason code and provide all information that applies 1.
Request ID Number:
60 - Illegible Fulfillment
Illegible Account Number or Amount on Transaction Receipt or Substitute Transaction Receipt

75-Transaction Not Recognised
Request Date (MMDDYY) (if applicable):
Information Not Recognised:

Transaction Amount
Merchant Location
Merchant Name
Other (must specify):
Transaction Date
MEMBER CONTACT INFORMATION
Contact Name:
Phone Number:
Fax Number:
E-mail Address (optional):
Please include the country and city code with the telephone and fax numbers, if appropriate and if known.
Additional information (Use an additional sheet if necessary):
1. Refer to the Visa Europe Operating Regulations for complete Chargeback requirements.
By completing this form, you assert that the information included is accurate to the best of your knowledge.
15 May 2013

A-11
Exhibit 2E-2
Effective until 12 October 2012, Issuer Chargeback Form - Fraud

MEMBER INFORMATION
To BIN:
From BIN:
(if used)
Account Number:
MCC:
Transaction ID:
Merchant Name:
Merchant Location:
Transaction Amount:
Disputed Amount:
57 - Fraudulent Multiple Transaction
Providing copy of Cardholder letter
Providing copies of Transaction Receipts (if received)
Providing Cardholder's copy of acknowledged Transaction Receipt (if Transaction not processed)
62 - Counterfeit Transaction
Providing copy of Cardholder letter
Issuer certifies that CVV was encoded on the Card in question
Issuer certifies that it was a participant of the Card Verification Service at the time of Authorization
81 - Fraud - Card-Present Environment (indicate the Chargeback condition)
Cardholder did not authorize Transaction
Fictitious Account Number and no Authorization obtained
No such Card and no Authorization obtained
Providing copy of Cardholder letter and Transaction Receipts (if received)
Providing required data for batched Magnetic-Stripe Reading Telephone Transactions
Issuer certifies Card is a PIN-Preferring Chip Card
83 - Fraud - Card-Absent Environment (indicate the Chargeback condition)
Cardholder did not authorize Transaction
Fictitious Account Number and no Authorization obtained
No such Card and no Authorization obtained
Providing copy of Cardholder letter and Transaction Receipts (if received)
Providing required data for batched Telephone Service Transactions
93 - Fraud - Merchant Fraud Performance Program
Transaction identified by Merchant Fraud Performance Program (MMDDYY)
If Retrieval Request(s) was/were not fulfilled or the Fulfilment was improper, provide
the following information (not required if provided in MMT) Request Date (MMDDYY):

Contact Name:
Phone Number:
Fax Number:
A-12

15 May 2013
Exhibit 2E-3
Effective until 12 October 2012, Issuer Chargeback Form - Authorization

MEMBER INFORMATION
To BIN:
From BIN:
(if used)
Account Number:
MCC:
Transaction ID:
Merchant Name:
Merchant Location:
Transaction Amount:
Disputed Amount:
70 - Card Recovery Bulletin or Exception File
Account Number listed on Card Recovery Bulletin (MMDDYY):
CRB Region:
Account Number listed on Exception File (MMDDYY):

71- Declined Authorization
Authorization Request received Decline Response (MMDDYY):
Certification that approved Transaction was counterfeit and both the initial and subsequent Authorization Requests included the following
identical data: Account Number, Transaction Date, Transaction Amount and Merchant identification
Decline Response provided through International Automated Referral Service
Account Number:
Date (MMDDYY):
Time:
Issuer Response:
Amount:
72 - Authorization
Authorization required but not obtained
Transaction exceeds authorized amount or allowed percentage (explain):
Non-matching Merchant Category Code in either the V.I.P. System Authorization message or Visa Europe Authorization Service
Authorization message and Clearing Record
Merchant Category Code in V.I.P. System Authorization Message:
Merchant Category Code in Clearing Record:
78 - Service Code Violation

Contact Name:
Phone Number:
Fax Number:
15 May 2013

A-13
Exhibit 2E-4
Effective until 12 October 2012, Issuer Chargeback Form - Processing Error

MEMBER INFORMATION
To BIN:
From BIN:
(if used)
Account Number:
MCC:
Transaction ID:
Merchant Name:
Merchant Location:
Transaction Amount:
Disputed Amount:
74 - Late Presentment
Account Status:
(if processed within 180 days of Transaction Data)
Counterfeit
Account Problem
Account Closed
Other Fraud
Presentment more than

180 days from Transaction
Date
76 - Incorrect Currency or Transaction Code or Domestic Transaction Processing Violation

Currency on Transaction Receipt is:
Currency processed through the Visa System was:
Country where Transaction occurred:

Credit posted as debit
Debit posted as credit
Country processed through the Visa System was:

Purchase posted as cash
Cash posted as purchase
Cardholder not advised that Dynamic Currency Conversion would occur, or refused the choice of paying in the Merchant's
local currency
77 - Non-Matching Account Number and no Authorization obtained
80 - Incorrect Transaction Amount or Account Number
Correct Transaction Amount is:
Addition or Transposition Error, correct amount is:
Transaction Amount altered from:
to:
Account Number Incorrect
82 - Duplicate Processing
First Acquirer Reference Number or Tracing Data (23 or 24 digits):
86 - Paid by Other Means
Providing proof that Merchant received payment by other means (cash, cheque or other payment card)
Issuer certifies that Cardholder attempted to resolve with Merchant
96 - Transaction Exceeds Limited Amount

Contact Name:
Phone Number:
Fax Number:
A-14

15 May 2013
Exhibit 2E-5
Effective until 12 October 2012, Issuer Chargeback Form - Cancelled/Returned

MEMBER INFORMATION
To BIN:
From BIN:
(if used)
Account Number:
MCC:
Transaction ID:
Merchant Name:
Merchant Location:
Transaction Amount:
Disputed Amount:
41 - Cancelled Recurring Transaction
Transaction cancelled (MMDDYY):
Acquirer/Merchant notified account closed (MMDDYY):
Previously charged back (MMDDYY):
53 - Not as described or Defective Merchandise

Merchandise/service not as described (Provide details)
Merchandise defective or damaged (Provide details)
Merchandise counterfeit
(Provide details and explanation of current location):
Merchandise returned/service
cancelled on (MMYYDD):
Merchandise received/Cardholder received held notification
(MMYYDD):
Name of shipping company:

(if available)
Invoice/tracking number:
(if applicable)
Merchant received merchandise (MMDDYY) (if applicable)

85 - Credit Not Processed
Providing copy of Credit Transaction Receipt or voided
Transaction Receipt not processed
Merchant received merchandise

(MMDDYY):
Merchandise returned or service cancelled (circle as

applicable) (MMDDYY):
(if available)
(if available):
Timeshare cancelled (MMDDYY):

Cancellation code (provide details if
code is unavailable):
Reservation cancelled (MMDDYY):

Advance Deposit cancelled (MMDDYY):
Merchant billed a No Show Transaction for more than a one night stay
Merchant failed to accept cancellation or provide cancellation code
Cardholder not informed of cancellation policy

Alternate accomodation provided no credit issued
Reservation was made within 72 hours of arrival date and cancelled

prior to 18h00
MEMBER CERTIFICATION
Issuer certification required 1.

Contact Name:
Phone Number:
Fax Number:
15 May 2013

A-15
Exhibit 2E-6
Effective until 12 October 2012, Issuer Chargeback Form - Non-Receipt Goods

Services
MEMBER INFORMATION
To BIN:
From BIN:
(if used)
Account Number:
MCC:
Transaction ID:
Merchant Name:
Merchant Location:
Transaction Amount:
Disputed Amount:
30 - Services Not Provided or Merchandise Not Received
Merchant unwilling or unable to provide service(s)
Date services were to be provided (if applicable):
(MMDDYY)
Cardholder attempted to resolve with Merchant or Merchant's liquidator

Merchandise or ticket not received by agreed date (MMDDYY, if applicable):
Merchandise or ticket not received at agreed location (specify, if applicable):
90 - Non-receipt of Cash or Load Transaction Value at ATM or Load Device
Cash or Load Value not received
Partial cash or Load Value received (Amount received):

Contact Name:
Phone Number:
Fax Number:
A-16

15 May 2013
Exhibit 2E-1
Effective until 12 October 2012, Acquirer Representment Form - Request for

Information
MEMBER INFORMATION
To BIN:
From BIN:
(if used)
Account Number:

MCC:
Transaction ID:
Merchant Name:
Merchant Location:
Transaction Amount:
Disputed Amount:
REPRESENTMENT REASON CODE
1. Credit or Reversal Processed (MMDDYY):

2. Chargeback Conditions Not Met (Specify reason):
Remedy for Chargeback:
Request ID Number:
60 - Illegible Fulfillment
Providing Transaction Receipt with legible
Account Number
75 - Transaction Not Recognised
Providing Transaction Receipt with legible

Transaction Amount
Fulfilment Date (MMDDYY):
(if applicable)
Providing additional information or Transaction data not rquired in the Clearing Record
Contact Name:
Phone Number:
Fax Number:
15 May 2013

A-17
Exhibit 2E-2
Effective until 12 October 2012, Acquirer Representment Form - Fraud

MEMBER INFORMATION
To BIN:
From BIN:
(if used)
Account Number:
MCC:
Transaction ID:
Merchant Name:
Merchant Location:
Transaction Amount:
Disputed Amount:
3. Remedy for Chargeback:
57 - Fraudulent Multiple Transactions
Providing evidence that fraudulent multiple Transactions did not occur
Transactions were key-entered or chip-initiated and online or offline PIN obtained
Providing evidence that Transaction(s) represent valid delayed or amended charges
62 - Counterfeit Transaction
Authorization date (MMDDYY):
Code:
POS Entry Mode code:
Authorization message contained all data elements for EMV-Online Card Authentication Cryptogram
Transactions were key-entered or Chip-initiated, offline-authorized
Acquirer certifies that it was a Card Verification Service participant at the time of Authorization
81 - Fraud - Card-Present Environment
Providing evidence of an imprint and signature or PIN
Providing evidence that Transaction was Chip-initiated with PIN or Cardholder Certificate
Providing internal record for below floor limit Transaction proving Magnetic-Stripe read or Chip-initiated with PIN or signature
Providing Referral Authorization record proving Magnetic-Stripe read or Chip-initiated within 24 hours of Transaction,
Automated Referral Service log, and evidence of signature or PIN
Acquirer certifies that the Point-of-Transaction Terminal is Chip and PIN capable
83 - Fraud - Card-Absent Environment
Providing evidence of an imprint and signature or PIN
Providing evidence Transaction authorized with Cardholder Authentication Verification Value and Authentication Identifier
Providing evidence that Transaction was authorized through the Emergency Payment Authorization Service
93 - Fraud - Merchant Fraud Performance Program
Transaction was previously charged back
(MMDDYY) for reason code:

Contact Name:
Phone Number:
Fax Number:
A-18

15 May 2013
Exhibit 2E-3
Effective until 12 October 2012, Acquirer Representment Form - Authorization

MEMBER INFORMATION
To BIN:
From BIN:
(if used)
Account Number:
MCC:
Transaction ID:
Merchant Name:
Merchant Location:
Transaction Amount:
Disputed Amount:
70 - Card Recovery Bulletin or Exception File
Account Number not listed on Card Recovery Bulletin or Exception File on Transaction Date
Car rental, check-in date or embarkation date:
(MMDDYY)
(MMDDYY)
Providing evidence Transaction was Chip-initiated and offline-authorized

71 - Declined Authorization
Providing Authorization log to demonstrate Authorization not declined or Certification of Special Authorization
Representment Amount (Exhibit 3E)
Transaction Date:
(MMDDYY) not
(MMDDYY)
72 - No Authorization
Providing Certification of Special Authorization Representment Amount (Exhibit 3E)
73 - Expired Card
Providing evidence to demonstrate Card was not expired on the Transaction Date, check-in, rental or embarkation date
78 - Service Code Violation
Providing evidence to demonstrate Service Code is valid
If Authorization was obtained, provide: Authorization Date:
(MMDDYY), Authorization Code:

Contact Name:
Phone Number:
Fax Number:
By completing this for, you assert that the information included is accurate to the best of your knowledge.
15 May 2013

A-19
Exhibit 2E-4
Effective until 12 October 2012, Acquirer Representment Form - Processing Error

MEMBER INFORMATION
To BIN:
From BIN:
(if used)
Account Number:
MCC:
Merchant Name:
Merchant Location:
Transaction ID:
Transaction Amount:
Disputed Amount:
74- Late Presentment
Providing Transaction Receipt with Transaction Date to disprove late presentment
76 - Incorrect Currency or Transaction Code or Domestic Transaction Processing Violation
Providing evidence to demonstrate Transaction code is correct
Providing evidence to demonstrate Transaction Country is correct
Providing evidence to demonstrate Transaction Currency is correct
Providing evidence to demonstrate Transaction occurred at military base, embassy or consulate
Certifying that Merchant is registered to offer Dynamic Currency Conversion
Providing evidence to demonstrate that Dynamic Currency Conversion was properly offered and applied
77 - Non-Matching Account Number
Providing legible Transaction Receipt to demonstrate Account Number processed correctly
Authorization Date (MMDDYY)
Authorization Code
80 - Incorrect Transaction Amount or Account Number

Providing Transaction Receipt or other record to prove Transaction Amount correct or unaltered
Merchant legally permitted or required to alter amount
Providing evidence to demonstrate Account Number correct
82 - Duplicate Processing
Providing evidence to demonstrate separate Transactions
Providing proof that time of call for each Magnetic-Stripe Telephone call differs
86 - Paid by Other Means
Providing evidence to prove Merchant did not receive payment by other means
96 - Transaction Exceeds Limited Amount
Providing evidence to demonstrate Transaction not Cardholder-Activated Transaction Type A or B
Providing evidence Transaction did not exceed amount
Transaction was for In-Transit Service

Contact Name:
Phone Number:
Fax Number:
A-20

15 May 2013
Exhibit 2E-5
Effective until 12 October 2012, Acquirer Representment Form - Cancelled/

Returned
MEMBER INFORMATION
To BIN:
From BIN:
(if used)
Account Number:
MCC:
Transaction ID:
Merchant Name:
Merchant Location:
Transaction Amount:
Disputed Amount:
41 - Cancelled Recurring Transaction
No previous Chargeback
Issuer did not provide notification that account is closed
53 - Not as described or Defective Merchandise
Providing evidence to prove service or merchandise correctly described
Providing evidence to prove merchandise not defective
Returned merchandise not received
Providing evidence of used portion of merchandise/service
Providing evidence to prove merchandise not counterfeit
85 - Credit Not Processed

Providing evidence of proper disclosure of return/cancellation policy provided at time of Transaction
Providing evidence that timeshare Transaction not cancelled within the 14-day period
Returned merchandise not received
Providing evidence of used portion of merchandise
Cancellation code invalid (provide explanation)

Contact Name:
Phone Number:
Fax Number:
15 May 2013

A-21
Exhibit 2E-6
Effective until 12 October 2012, Acquirer Representment Form - Non-Receipt

Goods/Services
MEMBER INFORMATION
To BIN:
From BIN:
(if used)
Account Number:
MCC:
Transaction ID:
Merchant Name:
Merchant Location:
Transaction Amount:
Disputed Amount:
30 - Services Not Provided or Merchandise Not Received
Documents to prove Cardholder received services
Documents to prove Cardholder or authorised person received merchandise or ticket on agreed date or at agreed location
(as applicable)
Date merchandise shipped (MMDDYY):
(if available)
(if available)
Date merchandise received (MMDDYY):
(if available)
Name of person who signed for the package
(if available)
90 - Non-Receipt of Cash or Load Transaction Value at ATM or Load Device

Providing copy of Transaction Record with required data in English or English translation to prove cash or Load Value
disbursed correctly

Contact Name:
Phone Number:
Fax Number:
A-22

15 May 2013
DISPUTE RESOLUTION Exhibit 2F
Exhibit 2F
Summary of Unauthorized Telephone Service Transactions

INSTRUCTIONS: Use this form to detail individual Transaction data for multiple unauthorized telephone service Transactions charged
back for Chargeback reason code 81, "Fraud - Card-Present Environment", or Chargeback reason code 83, "Fraud - Card-Absent
Environment", in a single Chargeback record. List no more than 25 Transaction per Chargeback record. Transactions must be under
$40 or equivalent each to be charged back as part of a multiple Chargeback record.
To BIN:
From BIN:
Account Number:
Total Amount: $
Acquirer Reference Number (from line 1):

Note: This Acquirer Reference Number must be that containing the earliest Processing Date for the listed Transaction and must
be the first number used in the Chargeback record
Amount (not to exceed US $40 or equivalent)
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
Total of lines 1-25: (US $ or equivalent)
(Note: This amount must be used in the amount field of the Chargeback record)
Prepared by:
(please print)
Telephone Number:
15 May 2013

A-23
DISPUTE RESOLUTION Exhibit 2G
Exhibit 2G
Unauthorized Signature - Issuer Certification

INSTRUCTIONS: This form must be completed in full and forwarded to the Acquirer, as specified in Volume II - Dispute Resolution
Rules, Section 3.4.A.3
TO:
BIN:
FROM:
BIN:
ACCOUNT NUMBER:
CARDHOLDER NAME:
1.
The loss of the above Card was reported to Issuer on
(MM/DD/YY)
and was/was not reported to the police on (MM/DD/YY)

2.
The Card used in the attached Transaction was recovered on
(MM/DD/YY)
3.
by
(Name of person)
4.
at
(Location where Card was recvovered)
Other details about the recovery of the Card are:
The Card was returned to Issuer on

5.
The recovered Card shows evidence of alteration on the signature panel
6.
Other outstanding Cards with the same Account Number have been issued to:
(if none, write "none")
Yes
(Name)
(Relationship to Cardholder)
(Name)
(Relationship to Cardholder)
Prepared by:
A-24
(MM/DD/YY)
No
Date (MM/DD/YY)

15 May 2013
DISPUTE RESOLUTION Exhibit 2J
Exhibit 2J
Summary of Arbitration Documentation

Effective for Arbitration submissions for Chargebacks
The following information is required under Visa Europe Operating Regulations, Volume IGeneral Rules, Section 7.6.C.2.d or Visa
Europe Operating Regulations, Volume IIDispute Resolution Rules, Section 2.1.C.2.d must be completed legibly for a request to be
accepted. Documents not in English must be accompanied by English translations.
INSTRUCTIONS: Please type or print in upper-case letters.
Requesting Member Name:
BIN:
Opposing Member Name:
BIN:
Requesting Member Case Number:
Case submitted by:
Account Number:
Cardholder Name:
Amount in dispute:
Amount in dispute (in Transaction ccy):
Merchant Name:
Merchant Location (city):
Merchant Country:
Merchant Category Code:
Issuer
Acquirer
Number of Transactions in case:

(If multiple Transactions, attach Summary of Arbitration Documentation for each item.)
A.
Arbitration Qualification
1.
Processing Date of Chargeback or Representment
2.
Date of pre-Arbitration request (attach copy)
3.
Explanation of the Visa Europe Operating Regulations in dispute:
4.
B.
Reason given for refusal (if written refusal, attach copy of correspondence):
Chronological Sequence of Events

Complete Sections 1, 2 and 3 for all requests. Complete Section 4 only if you are the Issuer and filing the case with
Visa Europe. Complete Section 5 only if you are the Acquirer and filing the case with Visa. Please provide the following
dates in "MMDDYY" format
1. Transaction Date:
2. Processing Date:
3. Acquirer Reference Number (Must be 23 or 24 characters)/Tracing Data:

4. If filling as an Issuer, complete this section:
5. If filling as an Acquirer, complete this section:
Transaction Receipt Request Date (if applicable):

First Chargeback
Processing Date:
Reason
Code:
First Chargeback
Processing Date:
Reason
Code:
Representment
Processing Date:
Reason
Code:
Representment
Processing Date:
Reason
Code:
C.
Supporting Documentation - All copies must be legible. Check appropriate items identifying documentation
attached
1.
2.
Copy of all Dispute Resolution Form (Exhibit 2E)
3.
Copy of Written Cardholder Complaint
D.
Filing Fee: to be collected through fee collection
(Note: Arbitration request date must be within 60 calendar days of the date in A.1, above.)
Date Prepared:
Authorized by:
Prepared by:
Title:
Telephone Number:
Date:
Fax Number:
Telex Number:
(signature)
15 May 2013

A-25
DISPUTE RESOLUTION Exhibit 2K
Exhibit 2K
Summary of Compliance Documentation

A. COMPLIANCE REQUIREMENTS
All of the requirements specified in Volume IGeneral Rules, Section 7.10 or Volume IIDispute Resolution Rules, Section 3.4.A
must be met for a request to be accepted:
1.
2.
3.
4.
Violation of the Visa Internatioal Operating Regulations occurred.

Member has no Chargeback, Representment or Arbitration 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.
COMPLETE THE FOLLOWING

Indicate the specific sections of the Visa Europe Operating Regulations violated:
Indicate the reason why the alleged violations are causing you to experience a
loss:
Indicate the reason why your Center would not have experienced a loss if this
regulation was not violated:
B. COMPLIANCE INFORMATION - COMPLETE THE FOLLOWING AS APPLICABLE

Requesting Member Name:
BIN:
Opposing Member Name:
BIN:
Requesting Member Case Number:

Case submitted by:
Issuer
Acquirer
Acquirer Reference Number (23 or 24 Digits) / Tracing Data:

Account Number:
Cardholder Name:
Amount in Dispute (in Transaction Currency):
Amount in Dispute:
Merchant Name:
Merchant Location (city):
Merchant Country:
PLEASE PROVIDE THE FOLLOWING DATES IN "MMDDYY" FORMAT:

Visa System Processing Date:
Retrieval Request Date:
Date of Alleged Violation:

Date of Discovery:
C. DOCUMENTATION
Supply legible copies of all pertinent documentation to support (i) the alleged violation and (ii) your financial loss. You must include a
copy of your written good faith attempt and any response. Include all other documentation, such as Cardholder letters, Merchant
correspondence, copies of Transaction Receipts, Credit Transaction Receipts, and any logs, forms or exhibits. Please attach a list of
the documentation included and ensure that documentation not in English is translated.
D. FILING FEE: to be collected through fee collection.

Date Prepared:
Authorized By:
Prepared by:
Title:
Telephone Number:
Date:
(signature)
A-26

15 May 2013
DISPUTE RESOLUTION Exhibit 2L
Exhibit 2L
BASE II Record Requirements

This exhibit contains the required data elements that must be included in the Clearing Record
transmitted to a Visa Interchange Centre. Data elements required in Custom Payment Service
Transactions may be found in the Visa Europe System Manuals for those using the Visa Europe
Authorization Service or the Visa Europe Clearing and Settlement Service and the VisaNet Manuals for
those using the V.I.P. System and BASE II.
NOTE: See the Visa Europe System Manuals for those using the Visa Europe Authorization Service or
the Visa Europe Clearing and Settlement Service and the VisaNet Manuals for those using the
V.I.P. System and BASE II for a complete description of required fields and information on
format and editing.
BASE II Transaction Codes

A Member must use one of the following Transaction codes for all Interchange Transactions submitted
to a Visa Interchange Centre:
Table A-2
Required BASE II Transaction Codes
Transaction Code
Explanation
05
Purchase
06
Credit
07
Cash Disbursement/Electronic Cash Withdrawal
10
Fee Collection
15
Chargeback-Purchase
16
Chargeback-Credit
17
Chargeback-Cash Disbursement
20
Funds Disbursement
25
Reversal-Purchase
26
Reversal-Credit
27
Reversal-Cash Disbursement
35
Reversal-Chargeback
36
Reversal-Credit Chargeback
37
Reversal-Cash Disbursement Chargeback
38
Electronic Documentation Transfer Method Transaction
40
Fraud Advice Transaction
42, 43
Merchant File Transaction
50
Free Text Message
51
Request for Original Transaction Receipt
52
Request for Transaction Receipt Copy or Substitute Transaction Receipt
53
Transaction Receipt Mailing Confirmation
Transaction Code Qualifier

This field must contain one of the following values as appropriate:
01 for an Account Funding Transaction
02 for an Original Credit
00 for all other Transactions
15 May 2013

A-27
Account Number and Account Number Extension

The Account Number field must contain the Account Number. If the Account Number exceeds 16
digits, the Account Number extension field must be used. If the Account Number consists of fewer than
16-digits, the field must be zero-filled to the right of the Account Number.

This field must contain the 23-digit identification number assigned to the record in the first
Presentment, and must be included in the Clearing Record for each Transaction processing cycle. The
Acquirer Reference Number consists of the following:
Position 1: Format code
Position 2-7: BIN
Position 12-22: Film Locator number

If multiple Telephone Service Transactions are charged back in a single Chargeback record, the
Acquirer Reference Number must be from the Transaction with the earliest Endorsement Date.
Transaction Date
Table A-3
Transaction Date
Description
The Transaction Date is the actual date on which a Transaction occurs. It is

classified as the purchase date in BASE II. The Transaction Date must be
expressed as a 4-digit code in the format MMDD.
Missing or Illegible
Transaction Date
This field must be zero-filled if the Transaction Receipt does not have the
Transaction Date, or it is illegible.
Transaction Types
Visa requires the Transaction Date for the following types of Transactions:
Transactions where data was captured at the Point-of-Transaction
Visa Electron Card Transactions
Unattended Terminal Transactions
Transaction Amount
Table A-4
Transaction Amount
Original Presentments
For an original Presentment, this field must contain the total Transaction
Amount recorded on the Transaction Receipt.
For Visa Electron Card Transactions involving Cash-Back, this field must also
include the value of the cash.
Chargebacks
For a Chargeback, this field must contain either:

Actual billed amount in the Billing Currency
Partial Transaction Amount to remedy the Presentment error
Representments
For a Representment, this field must contain one of the following:

Same amount in the 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
Transaction Currency Code

If the Transaction Currency is the euro or one of its national currency units, this field must contain the
appropriate currency code; otherwise, the field may contain spaces or another valid currency code, as
indicated in the VisaNet Manuals.
A-28

15 May 2013
Merchant Name
Table A-5
Merchant Name
Description
Cash Disbursements) appearing or imprinted on the Transaction Receipt. It
should be the doing business as (DBA) name of the Merchant or Member or
a name more recognizable to Cardholders. It must consist of no more than 25
Roman alphabet characters.
Multiple Merchant Outlets
Merchants with multiple Merchant Outlets in a city must individually identify

the location of a Transaction. This field must also contain one of the following:
Store number
Street number
Other unique identifier
The number or unique identifier must follow the Merchant name.
Each Region will establish an implementation date for this requirement.
No-Show Transactions
For No-Show Transactions, this field may also include the words NO SHOW.
Cash Disbursements
For Cash Disbursements made by a Cash Disbursement Merchant, this field

must also include the word CASH.
Sale of Cheques or Foreign

Currency
For a Manual Cash Disbursement representing the sale of Travelers Cheques

or Foreign Currency by a Member or non-Member financial institution, this
field must also include either of the following abbreviations:
TRAV FUNDS
TRCH-CURR
The sale of Travelers Cheques or Foreign Currency must be processed as
either a Quasi-Cash Transaction or, if it is processed by a Member or nonMember financial institution (with relevant authority), as a Manual Cash
Disbursement.
ATM Cash Disbursements
For ATM Cash Disbursements, this field must contain a Transaction descriptor
such as CASH. It also must contain at least one of the following names which
appear on the Transaction Receipt:
Member name
Name of the Members affiliated domestic, regional or national network
The three digit servicing carrier code and a 10-digit transmission control
number, excluding the check digit
A three digit carrier number, a three digit form number, and a seven digit
serial number, excluding the check digit
15 May 2013
Location Descriptor or Code
The location descriptor or the location code appearing on a Transaction

Receipt created at a Point-of-Transaction Terminal with Data Capture-Only
Capability may be included in this field.
For an Instalment Transaction, this field must also include an appropriate

instalment descriptor (such as 1 of 5).
In-Transit Service
Transactions
For an In-Transit Service Transaction, this field must also contain the word
InTransit immediately following the Merchant name.
Merchandise Purchases
Aboard an Aircraft
If merchandise is purchased aboard an aircraft, this field may contain a

description of the merchandise in place of the passengers ticket number.

A-29
Table A-5
Merchant Name (Continued)
Single Telephone Service

Transactions
For a single Telephone Service Transaction, unless prohibited by domestic law,

this field must contain the following:
Position 1-6: DBA name of the Merchant or Carrier

Position 7: A blank
Position 8-10: Duration of the call in minutes
Position 11: An M
Position 12: A blank
Beginning in Position 13: Telephone number called, including area code or
country code
Example: SPRINT 123M 6505552235
Multiple Telephone Service

Transactions
For a multiple Telephone Service Transaction charged back in a single

Chargeback record, this field must contain the phrase, MULTIPLE
TELEPHONE TXS.
Embassy, Consulate and

Military Base Transactions
For a Transaction occurring at an embassy, consulate or military base located

outside of the country with jurisdiction over the embassy, consulate or base
and deposited as specified in Volume IGeneral Rules, Section 5.3.F.2, this field
must contain both:
BASE EXCHANGE, B EX, EMBASSY, CONSULATE, or a similar
description
Name of the embassy, consulate or military base
Airline Ticket Transactions
The abbreviated Airline name as specified in Visa Europe Operating Regulations,

Volume IGeneral Rules, Appendix B, Merchant Data Standards must appear in
the first 11 or 12 positions of this field. For Transactions with an Airline Ticket
Identifier, this field must contain a blank in position 12 (if applicable) and the
Airline Ticket Identifier in the remaining 13 positions. The Airline Ticket
Identifier consists of either:
Recurring Transactions
For Recurring Transactions, this field must contain Merchant name and other
contact details that enable the Cardholder to contact the Merchant directly.
Chargeback or
Representment Record
The Chargeback or Representment record must include the Merchant name as

shown in the original Presentment.
International Original Credit

Money Transfer
For an International Original Credit money transfer this field must contain the
senders name.
Card Acceptor Identification Code

This field must contain an Acquirer-assigned alphanumeric code that identifies the Card acceptor.
Unless provided by different entities, the Card acceptor identification code must be the same
alphanumeric code in both the Authorization and Clearing messages.
A-30

15 May 2013
Merchant City
Table A-6
Merchant City
Description
The Merchant City is the city location, in Roman alphabet letters, of the
Merchant Outlet or Member location where the Transaction occurred. City
names that contain more than 13 characters must be abbreviated. Visa Europe
may grant a variance for this requirement upon receipt of a written request.
Non-Fixed Locations
If the Merchant is not in a fixed location, this field may contain an appropriate
description. Visa Europe reserves the right to disallow the use of any
description.
Airline Transactions
For Airline Transactions completed by Mail/Phone Order, this field may

contain the words TICKET MAILED.
In-Transit Service
Transactions
For an In-Transit Service Transaction, this field must contain the Merchants
customer service telephone number and country.

Transactions
For single Telephone Service Transactions, this field must contain the name of
the city where the telephone is located.

Transactions
For multiple Telephone Service Transactions charged back in a single

Chargeback record, this field must contain the city of the Transaction with the
earliest Endorsement Date (see Acquirer Reference Number in this Exhibit).
For Recurring Transactions, this field must contain Merchant city and other
Chargeback or
The Chargeback or Representment record must include the Merchant city as

Mail/Phone Order and

Electronic Commerce
Transactions
For Mail/Phone Order and Electronic Commerce Transactions, this field may
be used to provide the Merchants customer service telephone number
instead of the city where the Merchant is located. If the Merchant elects to
provide the customer service telephone number, it must be transmitted in the
conventional format for a telephone number in the country where the
Merchant is located.
Merchant Country
Table A-7
15 May 2013
Merchant Country
Definition
This field contains the name of the Transaction Country.
Abbreviations
The first two positions of this field must contain the appropriate standard
country abbreviation that appears in the VisaNet Manuals. The third position
must contain a space.
In-Transit Service
Transactions
primary place of business or country of incorporation.

Transactions
the country where the telephone is located.

Transactions

Chargeback record, this field must contain the country of the Transaction with
the earliest Endorsement Date (see Acquirer Reference Number in this Exhibit).
Chargeback or
The Chargeback or Representment record must include the Merchant country

as shown in the original Presentment.
Electronic Commerce
Transactions
For an Electronic Commerce Transaction, the Merchant country code must be

that of the Sponsored Merchant.

A-31
Merchant Category
This field must contain the appropriate four digit Merchant Category Code, as specified in Visa Europe
Operating Regulations, Volume IGeneral Rules, Appendix B, Merchant Data Standards.
Merchant State or Province

Table A-8
Description
This field must contain the name of the state in Visa U.S.A. or province in Visa
Canada where the Transaction occurred.
Abbreviations
The Member must use the standard state or province abbreviations that
appear in the VisaNet Manuals.

Transactions

Chargeback record, this field must contain the state or province from the
Transaction with the earliest Endorsement Date (see Acquirer Reference
Number in this Exhibit).
Chargeback or
The Chargeback or Representment record must include the Merchant state or

province as shown in the original Presentment.

Transactions
the state or province where the telephone is located.
Requested Payment Service

This one-character field is required in Custom Payment Service Transactions and is used in conjunction
with the Reimbursement Attribute to calculate Payment Service Interchange Reimbursement Fees. The
Issuer must retain and return this field, when present, in any subsequent Chargeback.
Usage Code
This field must contain the appropriate value listed in Table A-9 to specify the Transaction processing
cycle.
Table A-9
Processing Cycle Usage Codes
Usage Code
Transaction Processing Cycle
Presentment
Chargeback
Representment
Reason Code
For an original Presentment, this field must contain two zeros. For a Chargeback, this field must contain
the unique two digit Chargeback reason code. The reason codes are specified in Volume IIDispute
Resolution Rules. This reason code must appear in any Representment of the same Transaction.
A-32

15 May 2013
Authorization Code
This field must contain an alphanumeric code or spaces.
Table A-10
Authorization Code
Authorized at a Point-ofTransaction Terminal with

Data Capture-Only
Capability
For Transactions authorized at a Point-of-Transaction Terminal with Data

Capture-Only Capability, a Member must transmit the Authorization Code
appearing on the Transaction Receipt.
Substitute Authorization
Code
For authorized Transactions not occurring at a Point-of-Transaction Terminal

with Data Capture-Only Capability, this field may contain four zeros and a Y
to signify an authorized Transaction.
No Authorization Code
If no Authorization Code is on the Transaction Receipt, positions 1 to 4 in this

field must contain zeros and the last position must be blank.
Terminal Transactions Not

Requiring Authorization
For Magnetic-Stripe Terminal or Point-of-Transaction Terminal Transactions

not requiring Authorization, this field must contain one of the following:
The code 0000N
SVCXXX (Positions 4 through 6 represent the Service Code encoded on
the Magnetic Stripe.)
Reimbursement Attribute
This field must contain the appropriate value listed in Table A-11.
Each Chargeback or Representment record must include the reimbursement attribute

specified in the original Presentment.
For Transactions completed by a Visa Electron Merchant, this field must contain a
reimbursement attribute of 0. Regional variances may apply.
Table A-11 describes the valid reimbursement attributes for International Transactions. Other
values used in this field are for Regional use only.
Table A-11
Value
Reimbursement Schedule
Standard Interchange Reimbursement Fee
Plus ATM Cash Disbursement
Visa/Plus ATM Cash Disbursement
Custom Payment Service Interchange Reimbursement Fee (Brazil, Germany, Malaysia, U.S.A.)
International pre-Custom Payment Service
International Airline Transaction
Plus ATM Cash DisbursementTier II
Visa/Plus ATM Cash DisbursementTier II
Supermarket PrepaidInterlink or Prepaid Load
General MerchantInterlink or Prepaid Load
Chargeback Reference Number

This field may contain a unique six digit number assigned by the Issuer to identify the source of the
Chargeback. If present, the Acquirer must return the same number in any Representment.
15 May 2013

A-33
Documentation Indicator
For Chargeback and Representment records, this field must contain one of the following one-digit
codes to indicate the status of supporting documentation, as well as the validity of the Acquirer
Reference Number, as follows:
Table A-12
Status of Supporting Documentation/Acquirer Reference Number Validity
Value
Documentation Status
Space
No supporting documentation required
No supporting documentation provided
Supporting documentation to follow
Invalid Acquirer Reference Number and no supporting documentation received or

required
Invalid Acquirer Reference Number and supporting documentation received
No supporting documentation received
Documentation indicators 2 and 3 apply only to Representments.
Member Message Field

This 50-character alpha-numeric field must contain the appropriate message for either:
An Original Credit money transfer
A Chargeback and Representment

For Original Credit money transfer message requirements, see the Original Credits Member
Requirements manual.
For a Chargeback and Representment message, see Volume IIDispute Resolution Rules, under each
reason code.
Special Condition Indicators

This two position field must contain the appropriate risk identification indicator (Table A-13) in the first
position and Merchant Transaction indicator (Table A-14) in the second position.
Table A-13
Indicator
Description
(Blank)
Risk identification indicator not required for this Merchant
Zero Floor Limit required
Terminal capable of reading and transmitting the full unaltered contents of the
Magnetic Stripe or Chip in the Authorization Request
Zero Floor Limit and terminal capable of reading and transmitting the full unaltered
contents of the Magnetic Stripe or Chip
Table A-14
A-34
Risk Identification (first position)
Merchant Transaction Indicator (second position)
Indicator
Description
(Blank)
None of the specified conditions is present
Hotel
Hotel qualifying for a special Floor Limit (This indicator is used at the option of each
Region. See the appropriate Visa Europe Operating Regulations for further information.)

15 May 2013
Table A-14
Merchant Transaction Indicator (second position) (Continued)
Indicator
Description
Hotel or restaurant qualifying for a special Floor Limit
Quasi-Cash/Online Gambling Transaction, as specified in Visa Europe Operating

Regulations, Volume IGeneral Rules, Section 5.4.N
Special Chargeback Indicator

This field must contain a P in the Chargeback record when the Issuer charges back an amount that is
less than the Transaction Amount.
Mail/Phone Order, Electronic Commerce or Recurring Transaction Indicator

The Mail/Phone Order, Electronic Commerce indicator field must contain one of the values listed in
Table A-15. If the Merchant Category Code on the original Transaction is 5960, 5962 or 5964 through
5969, the entry cannot be a space unless R is present in the Point-of-Transaction environment code.
For a Chargeback or Representment, a Member must return this value if it was present in the original
Presentment.
The point-of-sale environment field must contain the value listed in Table A-16 when a Recurring
Transaction is acquired outside the U.S.A.
Table A-15
15 May 2013
Mail/Phone Order or Electronic Commerce Values
Value
Transaction Type
Usage
(blank)
Field not applicable or Acquirer did not specify
Indicates that the Mail Order/

Telephone Order, Electronic
Commerce indicator is not
relevant for the Transaction.
Single Mail/Phone Order Transaction
Indicates that the Transaction is

not a Recurring Transaction or
instalment payment.
For a domestic Transaction in the
U.S.A, this value may also indicate
a single bill payment Transaction
in either the Card-Present or
Card-Absent Environments.
Recurring Transaction (valid only for U.S.A. Region

acquired Transactions)
Indicates a Recurring Transaction

that originates from an Acquirer in
the U.S.A.
Transactions that originate from
Acquirers in all other regions must
use Field 126.13, Point-ofTransaction Environment value R
Recurring Transaction payment
indicator, to identify a Recurring
Transaction.
Instalment Transaction
Indicates a single purchase of

goods or services that is billed to
the account in multiple charges
over a period of time as agreed
upon by the Cardholder and
Merchant.

A-35
Table A-15
Mail/Phone Order or Electronic Commerce Values (Continued)
Unknown classification/other mail order
Indicates that the type of mail/

telephone order is unknown.
Secure Electronic Commerce Transaction
Indicates that the Electronic

Commerce Transaction has been
authenticated using an approved
protocol, such as 3-D Secure.
Non-Authenticated Security Transaction at a 3-D Securecapable Merchant and the Merchant attempted
Cardholder authentication using 3-D Secure
Identifies an Electronic Commerce

Transaction where the Merchant
attempted to authenticate the
Cardholder using an approved
Non-Authenticated Security Transaction

Transaction that uses data
encryption for security, however
Cardholder Authentication is not
performed using an approved
Non-Secure Transaction

Transaction that has no data
protection.
(This value is not valid for Visa
Europe Transactions.)
For optional Regional use only
Identifies a Non-Authenticated
Security Transaction conducted at
a secure Electronic Transaction
capable Merchant located outside
the U.S.A.
(This value is not valid for Visa
Europe Transactions or
Transactions that originate in the
U.S.A.)
Table A-16
POS Environment Field Values
Value
Unattended Acceptance Terminal Type
Usage
Recurring Transaction1
Identifies multiple Transactions,

such as periodic membership fees
or subscriptions that:
Occur at predetermined intervals
that do not exceed one year
between Transactions
Represent an agreement between
a Cardholder and a Merchant to
purchase goods or services over a
period of time
1. This value is not mandatory for Visa U.S.A.
A-36

15 May 2013
Unattended Acceptance Terminal Indicator

This field must contain the appropriate value listed in Table A-17 to specify the type of Unattended
Acceptance Terminal at the Point-of-Transaction.
Table A-17
Value
Space
Not applicable to this Transaction
Effective until 14 October 2011, terminal that performs Cardholder-Activated Transactions

(CAT) Type A
Effective from 15 October 2011, Transaction at an Unattended Acceptance Terminal that is
below the Floor Limit

(CAT) Type C (Automated Dispensing Machine)
Effective from 15 October 2011, Chip-initiated Transaction with PIN Verification at an
Unattended Acceptance Terminal

(CAT) Type B
Effective from 15 October 2011, Transaction at an Unattended Acceptance Terminal that
requires Authorization
Remote Indicator
Prepaid Card Indicator

This field must contain a P when the Transaction is for the purchase of a Prepaid Card.
This field must contain an L when the Transaction is a Visa Prepaid Load Service Transaction.
Airline Transaction Record Data Requirements

To qualify for the Airline Interchange Reimbursement Fee for Visa Europe Transactions all Airline
Transactions that are Visa Europe Transactions must incorporate both the following in the Clearing
Record:
Airline Ticket Identifier; and
Passenger Itinerary Data, see Table A-18, or miscellaneous charge data, see Table A-19
NOTE: Passenger Itinerary Data is the complete TCR3.
TCR3 Record Requirements are not mandatory for Airline Transactions and if they are not provided, the
standard Reimbursement rate for Visa Europe Transactions will apply.
Table A-18
15 May 2013
TCR3 Airline Transaction Record Data Requirements
Position
Field Length
Format
Contents
1-2
Unpacked Numeric
Transaction Code
Unpacked Numeric
Unpacked Numeric
Transaction Component Sequence Number
5-16
12
Alphanumeric
Reserved
17-18
Alphanumeric
Business Format Code (AI)
19-26
Alphanumeric
Reserved
27-46
20
Alphanumeric
Passenger Name
47-52
Unpacked Numeric
Departure Date (MMDDYY)
53-55
Alphanumeric
Origination City/Airport Code
56-62
Group
Trip Leg 1 information

A-37
Table A-18
TCR3 Airline Transaction Record Data Requirements (Continued)
63-69
Group
70-75
Group
77-83
Group
84-91
Alphanumeric
Travel Agency Code
92-116
25
Alphanumeric
Travel Agency Name
117
Alphanumeric
Ticket Indicator
118-123
Alphanumeric
Fare Basis Code - Leg 1
124-129
Alphanumeric
130-135
Alphanumeric
136-141
Alphanumeric
Fare Basis Code-Leg 4
142-162
27
Alphanumeric
Reserved
Miscellaneous Charge Data

For non-itinerary miscellaneous sales Transactions, the following descriptive information must be
included in the itinerary data fields:
A passenger name (or Cardholder name if the passenger name is unavailable)
Transaction Date (if different from the departure date)
Carrier code indicating the Airline providing the service
A space for the stop-over code
Y (default) for the class of service code
The appropriate itinerary data code to describe the type of miscellaneous sale, as specified in
Table A-19.
Table A-19
Origination City/Pair
Destination City/Pair
XAA Miscellaneous Charge
XUP Upgrade
XAF Club Fee
XCA Cargo
XOT Tour Order
XDF Duty Fee
XAE Baggage Charge
XAO MCO
XTD Ticket Delivery
XPC Pet Carrier
XPE Ticket Re-Issue Fee
A-38

15 May 2013
DISPUTE RESOLUTION Exhibit 2M
Exhibit 2M
Visa Europe Clearing and Settlement Record Requirements

This exhibit contains the required data elements that must be included in the Clearing Record
transmitted to a Visa Interchange Centre. Data elements required in Custom Payment Service
Transactions may be found in the Visa Europe System Manuals for those using the Visa Europe
Authorization Service or the Visa Europe Clearing and Settlement Service and the VisaNet Manuals for
those using the V.I.P. System and BASE II.
NOTE: See the Visa Europe System Manuals for those using the Visa Europe Authorization Service or
the Visa Europe Clearing and Settlement Service and the VisaNet Manuals for those using the
V.I.P. System and BASE II for a complete description of required fields and information on
format and editing.)
Visa Europe Clearing and Settlement Service Transaction Codes

A Member must use one of the following Transaction codes for all Interchange Transactions submitted
to a Visa Interchange Centre:
Table A-20 Required Visa Europe Clearing and Settlement Service Transaction Codes
Transaction Code
Explanation
05
Purchase
06
Credit
07
Cash Disbursement/Electronic Cash Withdrawal
10
Fee Collection
15
Chargeback-Purchase
16
Chargeback-Credit
17
Chargeback-Cash Disbursement
20
Funds Disbursement
25
Reversal-Purchase
26
Reversal-Credit
27
Reversal-Cash Disbursement
35
Reversal-Chargeback
36
Reversal-Credit Chargeback
37
Reversal-Cash Disbursement Chargeback
40
Fraud Advice Transaction
50
Free Text Message
52
Request for Transaction Receipt Copy or Substitute Transaction Receipt

This field must contain one of the following values as appropriate:
01 for an Account Funding Transaction
02 for an Original Credit
00 for all other Transactions
Account Number and Account Number Extension

The Account Number field must contain the Account Number. If the Account Number exceeds 16
digits, the Account Number extension field must be used. If the Account Number consists of fewer than
16-digits, the field must be zero-filled to the right of the Account Number.
15 May 2013

A-39

This field must contain the 23-digit identification number assigned to the record in the first
Presentment, and must be included in the Clearing Record for each Transaction processing cycle. The
Acquirer Reference Number consists of the following:
Position 1: Format code
Position 2-7: BIN
Position 12-22: Film Locator number

If multiple Telephone Service Transactions are charged back in a single Chargeback record, the
Acquirer Reference Number must be from the Transaction with the earliest Endorsement Date.
Transaction Date
Table A-21
Transaction Date
Description
The Transaction Date is the actual date on which a Transaction occurs. It is

classified as the purchase date in BASE II. The Transaction Date must be
expressed as a 4-digit code in the format MMDD.
Missing or Illegible
Transaction Date
This field must be zero-filled if the Transaction Receipt does not have the
Transaction Date, or it is illegible.
Transaction Types
Visa requires the Transaction Date for the following types of Transactions:
Transactions where data was captured at the Point-of-Transaction
Visa Electron Card Transactions
Unattended Terminal Transactions
Transaction Amount
Table A-22 Transaction Amount
Original Presentments
For an original Presentment, this field must contain the total Transaction
Amount recorded on the Transaction Receipt.
For Visa Electron Card Transactions involving Cash-Back, this field must also
include the value of the cash.
Chargebacks
For a Chargeback, this field must contain either:

Actual billed amount in the Billing Currency
Partial Transaction Amount to remedy the Presentment error
Representments
For a Representment, this field must contain one of the following:

Same amount in the 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
Transaction Currency Code

If the Transaction Currency is the euro or one of its national currency units, this field must contain the
appropriate currency code; otherwise, the field may contain spaces or another valid currency code, as
indicated in the Visa Europe System Manuals.
A-40

15 May 2013
Merchant Name
Table A-23 Merchant Name
Description
Cash Disbursements) appearing or imprinted on the Transaction Receipt. It
should be the doing business as (DBA) name of the Merchant or Member or
a name more recognisable to Cardholders. It must consist of no more than 25
Roman alphabet characters.
Multiple Merchant Outlets
Merchants with multiple Merchant Outlets in a city must individually identify

the location of a Transaction. This field must also contain one of the following:
Store number
Street number
Other unique identifier
The number or unique identifier must follow the Merchant name.
Each Region will establish an implementation date for this requirement.
No-Show Transactions
For No-Show Transactions, this field may also include the words NO SHOW.
Cash Disbursements
For Cash Disbursements made by a Cash Disbursement Merchant, this field

must also include the word CASH.
Sale of Cheques or Foreign

Currency
For a Manual Cash Disbursement representing the sale of Travelers Cheques

or Foreign Currency by a Member or non-Member financial institution, this
field must also include either of the following abbreviations:
TRAV FUNDS
TRCH-CURR
The sale of Travelers Cheques or Foreign Currency must be processed as
either a Quasi-Cash Transaction or, if it is processed by a Member or nonMember financial institution (with relevant authority), as a Manual Cash
Disbursement.
ATM Cash Disbursements
For ATM Cash Disbursements, this field must contain a Transaction descriptor
such as CASH. It also must contain at least one of the following names which
appear on the Transaction Receipt:
Member name
Name of the Members affiliated domestic, regional or national network
15 May 2013
Location Descriptor or Code
The location descriptor or the location code appearing on a Transaction

Receipt created at a Point-of-Transaction Terminal with Data Capture-Only
Capability may be included in this field.
For an Instalment Transaction, this field must also include an appropriate

instalment descriptor (such as 1 of 5).
In-Transit Service
Transactions
For an In-Transit Service Transaction, this field must also contain the word
InTransit immediately following the Merchant name.
Merchandise Purchases
Aboard an Aircraft
If merchandise is purchased aboard an aircraft, this field may contain a

description of the merchandise in place of the passengers ticket number.

A-41
Table A-23 Merchant Name (Continued)

Transactions
For a single Telephone Service Transaction, unless prohibited by domestic law,

this field must contain the following:
Position 1-6: DBA name of the Merchant or Carrier

Position 7: A blank
Position 8-10: Duration of the call in minutes
Position 11: An M
Position 12: A blank
Beginning in Position 13: Telephone number called, including area code or
country code
Example: SPRINT 123M 6505552235

Transactions
For a multiple Telephone Service Transaction charged back in a single

Chargeback record, this field must contain the phrase, MULTIPLE
TELEPHONE TXS.
Embassy, Consulate and

Military Base Transactions
For a Transaction occurring at an embassy, consulate or military base located

outside of the country with jurisdiction over the embassy, consulate or base
and deposited as specified in Volume IGeneral Rules, Section 5.3.F.2, this field
must contain both:
BASE EXCHANGE, B EX, EMBASSY, CONSULATE, or a similar
description
Name of the embassy, consulate or military base
Airline Ticket Transactions
The abbreviated Airline name as specified in Visa Europe Operating Regulations,

Volume IGeneral Rules, Appendix B, Merchant Data Standards must appear in
the first 11 or 12 positions of this field. For Transactions with an Airline Ticket
Identifier, this field must contain a blank in position 12 (if applicable) and the
Airline Ticket Identifier in the remaining 13 positions. The Airline Ticket
Identifier consists of either:
For Recurring Transactions, this field must contain Merchant name and other
Chargeback or
The Chargeback or Representment record must include the Merchant name as

International Original Credit

Money Transfer
senders name.
Card Acceptor Identification Code

This field must contain an Acquirer-assigned alphanumeric code that identifies the Card acceptor.
Unless provided by different entities, the Card acceptor identification code must be the same
A-42

15 May 2013
Merchant City
Table A-24 Merchant City
15 May 2013
Description
The Merchant City is the city location, in Roman alphabet letters, of the
Merchant Outlet or Member location where the Transaction occurred. City
names that contain more than 13 characters must be abbreviated. Visa
Europe may grant a variance for this requirement upon receipt of a written
request.
Effective from 20 April 2013, for Merchants which have been assigned a
Merchant Category Code of 4111, 4112 or 4131, in addition to containing the
Merchant city location, this field may include a telephone number or the
Merchants URL through which a Cardholder may obtain Transaction
information.
Effective from 20 April 2013, if the Merchant City cannot be included, the
Merchant Name field (as per Table A-23) must also describe the
Merchants location.
Non-Fixed Locations
If the Merchant is not in a fixed location, this field may contain an appropriate
description. Visa Europe reserves the right to disallow the use of any
description.
Airline Transactions
For Airline Transactions completed by Mail/Phone Order, this field may

contain the words TICKET MAILED.
In-Transit Service
Transactions
customer service telephone number and country.

Transactions
the city where the telephone is located.

Transactions

Chargeback record, this field must contain the city of the Transaction with the
earliest Endorsement Date (see Acquirer Reference Number in this exhibit).
For Recurring Transactions, this field must contain Merchant city and other
Chargeback or
The Chargeback or Representment record must include the Merchant city as

Mail/Phone Order and

Electronic Commerce
Transactions
For Mail/Phone Order and Electronic Commerce Transactions, this field may
be used to provide the Merchants customer service telephone number
instead of the city where the Merchant is located. If the Merchant elects to
provide the customer service telephone number, it must be transmitted in the
conventional format for a telephone number in the country where the
Merchant is located.

A-43
Merchant Country
Table A-25 Merchant Country
Definition
This field contains the name of the Transaction Country.
Abbreviations
The first two positions of this field must contain the appropriate standard
country abbreviation that appears in the Visa Europe System Manuals. The
third position must contain a space.
In-Transit Service
Transactions
primary place of business or country of incorporation.

Transactions
the country where the telephone is located.

Transactions

Chargeback record, this field must contain the country of the Transaction with
the earliest Endorsement Date (see Acquirer Reference Number in this exhibit).
Chargeback or
The Chargeback or Representment record must include the Merchant country

as shown in the original Presentment.
Electronic Commerce
Transactions
For an Electronic Commerce Transaction, the Merchant country code must be

that of the Sponsored Merchant.
Merchant Category
This field must contain the appropriate four digit Merchant Category Code, as specified in Visa Europe
Operating Regulations, Volume IGeneral Rules, Appendix B, Merchant Data Standards

Table A-26 Merchant State or Province
Description
This field must contain the name of the state in Visa U.S.A. or province in Visa
Canada where the Transaction occurred.
Abbreviations
The Member must use the standard state or province abbreviations that
appear in the Visa Europe System Manuals.

Transactions

Chargeback record, this field must contain the state or province from the
Transaction with the earliest Endorsement Date (see Acquirer Reference
Number in this exhibit).
Chargeback or
The Chargeback or Representment record must include the Merchant state or

province as shown in the original Presentment.

Transactions
the state or province where the telephone is located.
Requested Payment Service

This one-character field is required in Custom Payment Service Transactions and is used in conjunction
with the Reimbursement Attribute to calculate Payment Service Interchange Reimbursement Fees. The
Issuer must retain and return this field, when present, in any subsequent Chargeback.
A-44

15 May 2013
Usage Code
This field must contain the appropriate value listed in Table A-27 to specify the Transaction processing
cycle.
Table A-27 Processing Cycle Usage Codes
Usage Code
Transaction Processing Cycle
Presentment
Chargeback
Representment
Reason Code
For an original Presentment, this field must contain two zeros. For a Chargeback, this field must contain
the unique two digit Chargeback reason code. The reason codes are specified in Volume IIDispute
Resolution Rules. This reason code must appear in any Representment of the same Transaction.
Authorization Code
This field must contain an alphanumeric code or spaces.
Table A-28 Authorization Code
Authorized at a Point-ofTransaction Terminal with
Data Capture-Only
Capability
For Transactions authorized at a Point-of-Transaction Terminal with Data

Capture-Only Capability, a Member must transmit the Authorization Code
appearing on the Transaction Receipt.
Substitute Authorization
Code
For authorized Transactions not occurring at a Point-of-Transaction Terminal

with Data Capture-Only Capability, this field may contain four zeros and a Y
to signify an authorized Transaction.
No Authorization Code
If no Authorization Code is on the Transaction Receipt, positions 1 to 4 in this

field must contain zeros and the last position must be blank.
Terminal Transactions Not

Requiring Authorization
For Magnetic-Stripe Terminal or Point-of-Transaction Terminal Transactions

not requiring Authorization, this field must contain one of the following:
The code 0000N
SVCXXX (Positions 4 through 6 represent the Service Code encoded on
the Magnetic Stripe.)
This field must contain the appropriate value listed in Table A-29.
Each Chargeback or Representment record must include the reimbursement attribute

specified in the original Presentment.
For Transactions completed by a Visa Electron Merchant, this field must contain a
reimbursement attribute of 0.
Table A-29 describes the valid reimbursement attributes for International Transactions. Other
values used in this field are used at the discretion of Visa Europe.
15 May 2013

A-45
Table A-29 Reimbursement Attribute

Value
Reimbursement Schedule
Standard Interchange Reimbursement Fee
Plus ATM Cash Disbursement
Visa/Plus ATM Cash Disbursement
Custom Payment Service Interchange Reimbursement Fee (Brazil, Germany, Malaysia,

U.S.A.)
International pre-Custom Payment Service
International Airline Transaction
Plus ATM Cash DisbursementTier II
Visa/Plus ATM Cash DisbursementTier II
Supermarket PrepaidPrepaid Load
General Merchant Prepaid Load
Chargeback Reference Number

This field may contain a unique six digit number assigned by the Issuer to identify the source of the
Chargeback. If present, the Acquirer must return the same number in any Representment.
Documentation Indicator
For Chargeback and Representment records, this field must contain one of the following one-digit
codes to indicate the status of supporting documentation, as well as the validity of the Acquirer
Reference Number, as follows:
Table A-30 Status of Supporting Documentation/Acquirer Reference Number Validity
Value
Documentation Status
Space
No supporting documentation required
No supporting documentation provided
Supporting documentation to follow
Invalid Acquirer Reference Number and no supporting documentation received or

required
Invalid Acquirer Reference Number and supporting documentation received
No supporting documentation received
Documentation indicators 2 and 3 apply only to Representments.

This 50-character alpha-numeric field must contain the appropriate message for either:
An Original Credit money transfer
A Chargeback and Representment

For Original Credit money transfer message requirements, see the Original Credits Member
Requirements manual.
For a Chargeback and Representment message, see Volume IIDispute Resolution Rules, under each
reason code.
A-46

15 May 2013
Special Condition Indicators

This two position field must contain the appropriate risk identification indicator (Table A-31) in the first
position and Merchant Transaction indicator (Table A-32) in the second position.
Table A-31
Risk Identification (first position)
Indicator
Description
(Blank)
Risk identification indicator not required for this Merchant
Zero Floor Limit required
Terminal capable of reading and transmitting the full unaltered contents of the
Magnetic Stripe or Chip in the Authorization Request
Zero Floor Limit and terminal capable of reading and transmitting the full unaltered
contents of the Magnetic Stripe or Chip
Table A-32 Merchant Transaction Indicator (second position)

Indicator
Description
(Blank)
None of the specified conditions is present
Hotel
Hotel or restaurant qualifying for a special Floor Limit
Quasi-Cash/Online Gambling Transaction, as specified in Visa Europe Operating

Regulations, Volume IGeneral Rules, Section 5.4.N
Special Chargeback Indicator

This field must contain a P in the Chargeback record when the Issuer charges back an amount that is
less than the Transaction Amount.
Mail/Phone Order, Electronic Commerce or Recurring Transaction Indicator

The Mail/Phone Order, Electronic Commerce indicator field must contain one of the values listed in
Table A-33. If the Merchant Category Code on the original Transaction is 5960, 5962 or 5964 through
5969, the entry cannot be a space unless R is present in the Point-of-Transaction Environment code.
For a Chargeback or Representment, a Member must return this value if it was present in the original
Presentment.
The Point-of-Transaction environment field must contain the value listed in Table A-33 when a
Recurring Transaction is acquired outside the U.S.A.
15 May 2013

A-47
Table A-33 Mail/Phone Order or Electronic Commerce Values

Value
Transaction Type
Usage
(blank)
Field not applicable or Acquirer did not specify
Indicates that the Mail Order/

Telephone Order, Electronic
Commerce indicator is not relevant
for the Transaction.
Single Mail/Phone Order Transaction
Indicates that the Transaction is not

a Recurring Transaction or
instalment payment.
Recurring Transaction (valid only for U.S.A. Region

acquired Transactions)
Indicates a Recurring Transaction

that originates from an Acquirer in
the U.S.A.
Transactions that originate from
Acquirers in all other regions must
use Field 126.13, point-of-sale
environment value R Recurring
Transaction payment indicator, to
identify a Recurring Transaction.
Indicates a single purchase of goods

or services that is billed to the
account in multiple charges over a
period of time as agreed upon by
the Cardholder and Merchant.
Unknown classification/other mail order
Indicates that the type of mail/

telephone order is unknown.
Indicates that the Electronic

Commerce Transaction has been
authenticated using an approved
Non-Authenticated Security Transaction at a 3-D

Secure-capable Merchant and the Merchant
attempted Cardholder authentication using 3-D
Secure

Cardholder using an approved

Transaction that uses data
encryption for security, however
Cardholder Authentication is not
performed using an approved
Identifies multiple Transactions,

such as periodic membership fees
or subscriptions that:
Occur at predetermined
intervals that do not exceed one
year between Transactions
Represent an agreement
between a Cardholder and a
Merchant to purchase goods or
services over a period of time
A-48

15 May 2013

This field must contain the appropriate value listed in Table A-34 to specify the type of Unattended
Acceptance Terminal at the Point-of-Transaction.
Table A-34 Unattended Acceptance Terminal Indicator
Value
Space
Not applicable to this Transaction

(CAT) Type A
Effective from 15 October 2011, Transaction at an Unattended Acceptance Terminal that is
below the Floor Limit

(CAT) Type C (Automated Dispensing Machine)
Effective from 15 October 2011, Chip-initiated Transaction with PIN Verification at an

(CAT) Type B
Effective from 15 October 2011, Transaction at an Unattended Acceptance Terminal that
requires Authorization
Remote Indicator
Prepaid Card Indicator

This field must contain a P when the Transaction is for the purchase of a Prepaid Card.
This field must contain an L when the Transaction is a Visa Prepaid Load Service Transaction.
Airline Transaction Record Data Requirements
To qualify for the Airline Interchange Reimbursement Fee for Visa Europe Transactions all Airline
Transactions that are Visa Europe Transactions must incorporate both the following in the Clearing
Record:
Airline Ticket Identifier; and
Passenger Itinerary Data, see Table A-35, or miscellaneous charge data, see Table A-36
NOTE: Passenger Itinerary Data is the complete TCR3.
TCR3 Record Requirements are not mandatory for Airline Transactions and if they are not provided, the
standard Reimbursement rate for Visa Europe Transactions will apply.
Table A-35 TCR3 Airline Transaction Record Data Requirements
15 May 2013
Position
Field Length
Format
Contents
1-2
Unpacked Numeric
Transaction Code
Unpacked Numeric
Unpacked Numeric
Transaction Component Sequence Number
5-16
12
Alphanumeric
Reserved
17-18
Alphanumeric
Business Format Code (AI)
19-26
Alphanumeric
Reserved
27-46
20
Alphanumeric
Passenger Name
47-52
Unpacked Numeric
Departure Date (MMDDYY)
53-55
Alphanumeric
Origination City/Airport Code

A-49
Table A-35 TCR3 Airline Transaction Record Data Requirements (Continued)

Position
Field Length
Format
Contents
56-62
Group
63-69
Group
70-75
Group
77-83
Group
84-91
Alphanumeric
Travel Agency Code
92-116
25
Alphanumeric
Travel Agency Name
117
Alphanumeric
Ticket Indicator
118-123
Alphanumeric
124-129
Alphanumeric
130-135
Alphanumeric
136-141
Alphanumeric
Fare Basis Code-Leg 4
142-162
27
Alphanumeric
Reserved

For non-itinerary miscellaneous sales Transactions, the following descriptive information must be
included in the itinerary data fields:
A passenger name (or Cardholder name if the passenger name is unavailable)
Transaction Date (if different from the departure date)
Carrier code indicating the Airline providing the service
A space for the stop-over code
Y (default) for the class of service code
The appropriate itinerary data code to describe the type of miscellaneous sale, as specified in
Table A-36.
Table A-36 Miscellaneous Charge Data
Origination City/Pair
Destination City/Pair
XUP Upgrade
XAF Club Fee
XCA Cargo
XOT Tour Order
XDF Duty Fee
XAE Baggage Charge
XAO MCO
XTD Ticket Delivery
XPC Pet Carrier
XPE Ticket Re-Issue Fee
A-50

15 May 2013
DISPUTE RESOLUTION Exhibit 2N
Exhibit 2N
Pre-Arbitration Attempt
Date (mm/dd/yy):
To:
BIN:
From:
BIN:
Member Case ID / Number (optional):
Transaction ID:
We are submitting this case to you in an attempt to resolve this matter before making our submission to the Visa Europe Arbitration
Committee.
New information or documentation is being provided:
Account Number:
YES, see Explanation section
NO
Cardholder Name (Optional):
Acquirer Reference Number (23 or 24 characters):

Merchant Name:
Merchant Country Location:
Number of Transactions:
Merchant Category Code (MCC):
Disputed Amount (US Dollars): $
Transaction Currency Amount:
Transaction Date (mm/dd/yy):
Transaction Processing Date:
1st Chargeback Date (mm/dd/yy):
Reason Code:
Representment Date (mm/dd/yy):
Reason Code:
Explanation:
If we have not received your response by our filing date of (mm/dd/yy)______________________, we will file this case directly with the
Visa Europe Arbitration Committee. Please indicate your decision below and reply to this Pre-Arbitration attempt. If you have any
questions, feel free to contact us directly.
Prepared by (Requester):
Telephone Number:
Fax Number:
E-mail (Optional):
RESPONSE
We accept this case. We have credited you via Miscellaneous Funds Disbursement on (mm/dd/yy)
We decline this case.
Explanation of decline:
Response Prepared by (Requester):
Date (mm/dd/yy):
Telephone Number:
Fax Number:
E-mail (Optional):
15 May 2013

A-51
DISPUTE RESOLUTION Exhibit 2O
Exhibit 2O
Pre-Compliance Attempt
Date (mm/dd/yy):
To:
BIN:
From:
BIN:
Member Case ID / Number (optional):
Transaction ID:
We are submitting this case to you in an attempt to resolve this matter before making our submission to the Visa Europe Compliance
Committee.
Acquirer Reference Number (23 or 24 characters):
Cardholder Name (Optional):
Account Number:
Merchant Category Code (MCC):
Merchant Name:
Merchant Country Location:
Disputed Amount (US Dollars): $
Transaction Currency Amount:
Violated Section(s):
Number of Transactions:
VEOR Volume:
I or
Violation Date (mm/dd/yy):
II
Tranasaction Date (mm/dd/yy):
Date of Discovery (mm/d/yy):
Explanation of financial loss:
If we have not received your response by our filing date of (mm/dd/yy)______________________, we will file this case directly with the
Visa Europe Compliance Committee. Please indicate your decision below and reply to this Pre-Compliance attempt. If you have any
questions, feel free to contact us directly.
Prepared by (Requester):
Telephone Number:
Fax Number:
E-mail (Optional):
RESPONSE
We accept this case. We have credited you via Miscellaneous Funds Disbursement on (mm/dd/yy)
We decline this case.
Explanation of decline:
Response Prepared by (Opposer):
Date (mm/dd/yy):
Telephone Number:
Fax Number:
E-mail (Optional):
A-52

15 May 2013
DISPUTE RESOLUTION Exhibit 2P
Exhibit 2P
Cardholder Dispute Resolution Request Form

ISSUER, CARDHOLDER, ACQUIRER, AND MERCHANT INFORMATION
BIN:
Issuer Name:
Account Number:
Cardholder Name: (Last)
(First and M.I.)
Cardholder Address:
BIN:
Acquirer Name:
Acquirer Reference Number/Tracing Data:
Merchant Name:
Merchant Address:
CHRONOLOGY OF THE TRANSACTION, DISPUTE CHARGEBACK, AND PRESENTMENT EVENTS

Disputed Amount: $
Last Action Date (MM/DD/YY)
Transaction Date (MM/DD/YY):

Processing Date (MM/DD/YY):
FIRST CHARGEBACK
REPRESENTMENT
Input Date (MM/DD/YY):
Input Date (MM/DD/YY):
Receipt Date (MM/DD/YY):
Receipt Date (MM/DD/YY):
Reason Code:
Reason Code:
REQUIRED DOCUMENTATION ATTACHED

Concise chronological summary of dispute details including type of
Transaction, Cardholder dispute details, Chargeback and
Presentment facts, Cardholder contact, Merchant contact, etc.
OPTIONAL DOCUMENTATION ATTACHED

Other (specify)

Copy of all Cardholder/Merchant correspondence
REQUESTER INFORMATION AND OFFICIAL AUTHORIZATION TO SUBMIT RESOLUTION REQUEST

Request Date (MM/DD/YY):
Prepared by:
Telephone/Fax/Telex:
Centre Manager/Authorized Officer: (please type)

Title: (please type)
Financial Institution Name:
Address:
City:
State/Province, Postal Code, Country:

Centre Manager/Authorized Signature:
ALL INFORMATION MUST BE COMPLETE, CORRECT, AND LEGIBLE

Forward all requests within 45 calendar days of the most recent Action Date to:
Cardholder Dispute Resolution Administration, R, S and D Visa Europe, PO Box 39662, London W2 6WH
15 May 2013

A-53
AUTHORIZATION
AUTHORIZATION
AUTHORIZATION
Exhibit 3A
Exhibit 3B
Exhibit 3C
Exhibit 3D
Exhibit 3E
A-54
Required Message Content for VisaNet Financial Transactions . . . . . . . . . .

Required Message Content for VisaNet Authorization Requests . . . . . . . . .
Required Message Content for Visa Europe Systems Financial
Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Required Message Content for Visa Europe Systems
Authorization Requests . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Certification of Special Authorization Representment Amount . . . . . . . . . .

A - 55
A - 63
A - 75
A - 84
A - 98
15 May 2013
AUTHORIZATION Exhibit 3A
Exhibit 3A
Required Message Content for VisaNet Financial Transactions

Message content for Financial Transactions using Single Message System formats.
Members must be able to provide or recognise the following information when submitting or receiving
financial messages through the Single Message System. The message format and content must comply
with the specifications in the VisaNet Manuals.
This exhibit does not apply to the Visa Europe Authorization Service, please refer to Required Message
Content for Visa Europe Systems Financial Transactions (Exhibit 3C) for more information.
Message Type
Indicator
The four digit code used to identify a financial message. The values are:
Message Type Indicator
Description
0200
Original Financial Transaction

Merchandise Credit
Account Transfer
Balance Inquiry
0220
Representment
Adjustment/Good Faith Collection
Acquirer Fee Collection/Funds
Disbursement
0420
Reversal
0422
Chargeback
Issuer Fee Collection/Funds Disbursement
Account Number
Field 2
Account Number of up to 19 digits.
Processing Code
Field 3
A six digit code used to identify the Transaction type (positions 1 and 2) and, if
applicable, the type of account affected (positions 3-6).
Positions 1 and 2
15 May 2013
Value
Description
00
Purchase Transaction
01
Cash Disbursement
02
AdjustmentDebit
03
Check Guarantee Transaction
10
Account Funding TransactionDebit
11
Quasi-Cash /Online Gambling Transaction
19
Fee CollectionDebit
20
Return (of goods)Credit
22
AdjustmentCredit
29
Funds DisbursementCredit
30
Balance Inquiry
40
Cardholder Account Transfer

A-55
Processing Code
Field 3 (continued)
Processing Code
Field 3 (continued)
Positions 3 and 4
Value
Description
00
Account not specified
10
Savings Account
20
Checking Account
30
Credit Card Account
40
Universal Account (Customer Identification

Number)
Positions 5 and 6
Value
Description
00
(not applicable)
10
Savings Account
20
Checking Account
30
Credit Card Account
40

Number)
Transaction Amount The amount of the Transaction. It must be expressed as a 12-digit field with the
Field 4
amount right-justified and without a decimal.
Example:
73.49 = 000000007349
4,962.50 = 000000496250
A-56
Settlement Amount
Field 5
The Transaction Amount in the Settlement Currency.
Cardholder Billing
Amount
Field 6
The Transaction Amount in the Cardholder billing currency.
Transmission Date
and Time
Field 7
The date and time in GMT. It must be expressed in MMDDhhmmss format with a
leading zero for any month, day or time that is represented by one digit.
Example:
October 9 at 9:38.06 AM = 1009093806
Systems Trace Audit

Number
Field 11
A six digit number that uniquely identifies a Transaction and all the messages it
includes according to individual program rules.
Transaction Time
Field 12
The local time of the Transaction. It must be expressed in the format hhmmss,
with a leading zero for any time that is represented by one digit.

15 May 2013
Transaction Date
Field 13
The month and day when a Transaction occurs at the Card acceptor location. It
must be expressed in MMDD format with a leading zero for any month or day
that is represented by one digit.
Settlement Date
Field 15
The date when the Transaction is settled.
Merchant Type
Field 18
A four digit code identifying the type of business conducted by the Merchant (that
is, the Merchant Category Code). See Volume IGeneral Rules, Appendix B,
Merchant Data Standards, for a complete listing.
Acquiring
Institution Country
Code
Field 19
A three digit numeric code identifying the country of the acquiring institution.
POS Entry Mode

Code
Field 22
A four digit code indicating the type of Point-of-Transaction Terminal used

(positions 1 and 2) and the capability of the terminal, if one was used, to capture
PINs (position 3). This field is used only when a Point-of-Transaction Terminal is
present at the Merchant Outlet.
The third position does not indicate that a PIN was entered or that a PIN is included
in the message.
Positions 1 and 2
POS Entry Mode

Code Field 22 (cont)
15 May 2013
Value
Description
00
Unknown
01
Manual/key entry
02
Magnetic Stripe read
05
Chip Card read
07
Proximity Payment (Chip Card rules)
90
Magnetic Stripe read, entire contents of

track 1 or track 2 transmitted
91
Proximity Payment (Magnetic-Stripe Card

rules)
95
Chip Card read; chip data are unreliable
Position 3
Value
Description
Unknown
Terminal can accept and capture PINs
Terminal cannot accept or capture PINs
PIN pad inoperative
Reserved for future use

A-57
POS Entry Mode

POS Condition Code

Field 25
A-58
Position 4
Value
Description
Unused
A two digit code used to identify conditions at the Point-of-Transaction. The values
for the POS condition code are:
Value
Description
00
Normal Transaction of this type
01
Cardholder not present
02
03
Merchant suspicious of Transaction or Card
05
Cardholder present; Card not present
08
Mail/Phone Order Transaction

(including Recurring Transactions)
10
Cardholder identity verified
59
Electronic Commerce Transaction conducted

over an open network
Acquiring
Institution
Identification Code
Field 32
A code that identifies the acquiring institution.
Retrieval Reference
Number
Field 37
A number that is used with other data elements to identify and track all messages
relating to a specific Transaction. It should be expressed in the format
YDDDnnnnnnnn. This field must not contain all zeros.
Response Code
Field 39
A two digit code that defines the response to a request or the message disposition.
Value
Description
00
Approval
01
Referral; call Issuer. This response is invalid

for ATM Transactions.
02
Referral; special condition. This response is

invalid for ATM Transactions.
03
Invalid Merchant
04
Pick up Card
05
Authorization declined
06
Error

15 May 2013
Response Code
Field 39 (Continued)
15 May 2013
Value
Description
07
Pick up Card; special condition (Response

indicates fraudulent use other than lost or
stolen Card. Refer to response codes 41 and
43)
11
Approval; VIP (Very Important Person)
12
Invalid Transaction
13
Invalid amount
14
Invalid Account Number
15
No such Issuer
19
Re-enter request
39
No credit account
41
Pick up Card; lost Card (Response indicates

fraudulent use.)
43
Pick up Card; stolen Card (Response

indicates fraudulent use.)
51
Not sufficient funds
52
No checking account
53
No savings account
54
Expired Card
55
Incorrect PIN
57
Transaction not permitted to Cardholder
61
Exceeds approval amount limit (activity

amount limit exceeded)
62
Restricted Card
65
Withdrawal frequency limit exceeded

(activity count limit exceeded)
75
Allowable number of PIN attempts exceeded
81
Cryptographic error
82
Incorrect Card Verification Value
84
Time limit for preauthorization exceeded
86
Unable to verify PIN
91
Service unavailable
92
Routing not successful
93
Transaction cannot be completed; violation

of law
96
System malfunction
Y1
Offline Approved

A-59
Response Code
Value
Description
Y3
Unable to go online (offline approved)
A complete list of response codes may be found in the VisaNet Manuals.
A-60
Card Acceptor
Terminal
Identification
Field 41
A code that identifies a terminal or an ATM at the Card acceptor location.
Card Acceptor
Identification Code
Field 42
An alphanumeric code assigned by the Acquirer to identify a Merchant. This field

must contain the Card acceptor identification code. Unless provided by different
entities, the Card acceptor identification code must be the same alphanumeric code
in both the Authorization and Clearing messages.
Card Acceptor
Name and Location
Field 43
The name and location (city name and country code) of the Card acceptor (such as
Merchant, ATM, Branch). For an International Original Credit money transfer this
field must contain the senders name.
Cardholder
Authentication
Verification Value
Results Code
Field 44.13
A code that identifies the outcome of Cardholder Authentication Verification Value

validation for 3-D Secure Transactions.
CVV/iCVV Results
Code
Field 44.5
A code that identifies the outcome of CVV, iCVV or dCVV validation for
Transactions. A complete list of response codes may be found in the VisaNet
Manuals.
Value
Description
(Blank) or not present
CVV, iCVV, or dCVV was not verified.
CVV, iCVV or dCVV failed verification.
CVV, iCVV or dCVV passed verification.
Transaction
Currency Code
Field 49
A three digit code that identifies the Transaction Currency. The code must always
reflect the currency in the Transaction Amount field (field 4). Currency codes may
be found in the VisaNet Manuals.
Settlement
Currency Code
Field 50
A three digit numeric code that identifies the Settlement Currency.
Cardholder Billing
Currency Code
Field 51
A three digit numeric code that identifies the currency used by the Issuer to bill the
Cardholders account.

15 May 2013
Positions 9 and 10 are the Electronic Commerce Transaction Indicators. The values
Mail/Telephone or
Electronic
are :
Commerce Indicator
Field 60.8
Value
Description
05
06
Non-Authenticated Security Transaction at a

3-D Secure-capable Merchant and the
Merchant attempted Cardholder
authentication using 3-D Secure
07
08
Network
Identification Code
Field 63.1
A code that specifies the network to be used for the transmission of the message,
which determines the program rules that apply to the Transaction.
Message Reason
Code
Field 63.3
A code that explains the reason for sending an Acquirer-generated advice, Reversal,
Adjustment, Chargeback, Chargeback reversal, Representment, Fee Collection or
funds disbursement.
Position 4 is the Electronic Commerce Transaction Indicator. The values are:

Mail/Telephone or
Electronic
Commerce Indicator
Field 63.6
Reimbursement
Attribute
Field 63.11
15 May 2013
Value
Description
Space
POS Customer Present (POS Check Service

Only)
Single Transaction of a mail/phone order
Instalment payment
Unknown classification/Other mail order

A code that identifies the applicable Interchange Reimbursement Fee for a

Transaction.

A-61
A-62
Original Data
Elements
Field 90
Information used to link the current message back to prior messages relating to the
same Transaction.
Transaction-Specific
Data
Field 104
For Original Credit money transfer message requirements, see the Original Credits
Member Requirements manual.
Visa Inc./Europe
Private-Use Field,
VSEC Subfields
Field 126
A set of subfields that provide Cardholder and Merchant certificate serial numbers,
unique Transaction identifiers, and a secure Cardholder authentication field.
Value
Description
126.6
Cardholder Certificate serial number
126.7
Merchant Certificate serial number
126.8
Transaction ID (XID)
126.9
Cardholder Authentication Verification

Value (CAVV)

15 May 2013
AUTHORIZATION Exhibit 3B
Exhibit 3B
Required Message Content for VisaNet Authorization Requests

Required data for Authorization Requests and Authorization Responses for Members using the
V.I.P.System Authorization Message formats
When requesting an Authorization or receiving an Authorization Response from an Issuer, an Acquirer
must provide and recognise the following information. The message format and content must comply
with the specifications in the VisaNet Manuals.
NOTE: This exhibit does not apply to the Visa Europe Authorization Service, please refer to Required
Message Content for Visa Europe Systems Authorization Requests (Exhibit 3D) for more
information.
For information concerning Single Message System message elements, see Required Message Content
for Visa Europe Systems Financial Transactions (Exhibit 3C) for those using the Visa Europe Authorization
Service and the Required Message Content for VisaNet Authorization Requests (Exhibit 3A) for those using
the V.I.P. System.
Message Type
Indicator
The four digit code used to identify the message. The values are:
Value
Description
0100
Authorization Request
0101
Authorization Request repeat
0102
ATM Transaction confirmation
0110
Response
0400
Reversal request
0401
Reversal repeat
Account Number
Field 2
Processing Code
Field 3
applicable, the type of account affected (positions 3 and 4).
Positions 1 and 2
15 May 2013
Value
Description
00
01
Cash Disbursement
11
Quasi-Cash/Online Gambling Transaction
28
Prepaid Load
30
Balance Inquiry
40
72
Prepaid Activation

A-63
Processing Code
Field 3 (continued)
Processing Code
Field 3 (continued)
Positions 3 and 4
Value
Description
00
10
Savings Account
20
Checking Account
30
Credit Card Account
40

Number)
Positions 5 and 6
Value
Description
00
Not applicable
10
Savings Account
20
Checking Account
30
Credit Card Account
40

Number)
Field 4
Examples:
73.49 = 000000007349
4,962.50 = 000000496250
Transmission Date
and Time
Field 7
A-64
Example:
October 9 at 9:38.06 AM = 1009093806

15 May 2013
Expiry Date
Field 14
The four digits identifying the year and month that the Card expires. It must be
expressed in the format YYMM with a leading zero for any month or year that is
represented by one digit.
Examples:
April 1994 = 9404
June 2000 = 0006
The expiry date field must be excluded for:
Transactions where the true expiry date is unknown
All Transactions except Mail/Phone Order Transactions, Recurring Transactions
and PIN-related Transactions, when the Transaction Receipt does not contain
either a:
- Card Imprint
- Signature
Mail/Phone Order Transactions and Recurring Transactions, if the expiry date is
unavailable. (The Merchant must attempt to obtain the expiry date.)
All Transactions initiated at a Point-of-Transaction Terminal with an unexpired
Card, if the terminal cannot capture the expiry date
The expiry date field must be excluded for the previous conditions. This will result in
an Authorization declined (05) Response.
For Mail/Phone Order Transactions and Recurring Transactions, the Issuer may
allow Stand-In Processing to authorize Transactions when no expiry date is
available or specify a Decline Response for this condition.
15 May 2013
Merchant Category
Code (MCC)
Field 18
A four digit code identifying the type of business conducted by the Merchant.
Required field for all requests. See Appendix B, Merchant Data Standards for a
complete listing.
Acquiring
Institution Country
Code
Field 19

A-65
POS Entry Mode

Code
Field 22
A four digit code indicating the method used to enter the Account Number and
Card expiry date into the V.I.P. System (positions 1 and 2) and, if an electronic
terminal is used, the capability of the terminal, if one was used, to capture online
The third position does not indicate that an online PIN was entered or that an online
PIN is included in the message.
Positions 1 and 2
A-66
Value
Description
Usage
00
Unknown
Indicates that the method to capture the

Account Number and expiry date is not
known, or that a terminal was not used to
capture the Card data, that is, when the
Transaction is paper-based.
01
Manual/key entry
Indicates that the Card data was not

obtained via the Chip or Magnetic Stripe
on the Card. This value is used when the
Transaction is a mail/phone order, or
recurring, or electronic commerce, or
Authorization is by voice, or when the
Chip or Magnetic Stripe on the Card
cannot be read.
02
Magnetic Stripe read;

CVV checking may not be
possible
Indicates that the Magnetic-Stripe Data

may be unreliable and that accurate CVV
processing may not be possible.
05
Integrated circuit card

read; CVV or iCVV
checking is possible
Indicates that the account information

was obtained from the Chip on the Card
and that CVV or iCVV checking is
possible.
07
Proximity Payment using

VSDC Chip rules

and that the Transaction was processed
according to Chip data rules. CVV or
iCVV checking is possible.
90
Magnetic-Stripe read and

exact contents of Track 1
or Track 2 included (CVV
check is possible)
Indicates that the full, unaltered contents

of the Magnetic Stripe are transmitted to
the Acquirer or Issuer and that CVV
checking is possible.
91

Magnetic-Stripe Data
rules (dCVV check is
possible)
Indicates that the Card data was obtained

from a proximity Chip on a Card and that
the Transaction was processed according
to Magnetic-Stripe Data rules. dCVV
95
Chip Card read; chip data

are unreliable

or iCVV processing may not be possible.

15 May 2013
POS Entry Mode

Code Field 22
(Continued)
POS Entry Mode

Code Field 22
(Continued)
Position 3
Value
Description
Usage
Unknown
Indicates that the online PIN capability of

the Point-of-Transaction Terminal cannot
be determined.
Terminal can accept

online PINs
Indicates that the Point-of-Transaction

Terminal can accept and forward an
online PIN.
Terminal cannot accept

online PINs

Terminal cannot accept and forward an
online PIN.
Terminal PIN pad is down

online PIN, but cannot do so because the
PIN pad is not functioning.
Not used for Transactions using a Visa

Card or a Visa Electron Card.
Value
Description
Usage
Unused

Position 4
POS Condition Code A two digit code used to identify conditions at the point of service or point of sale.
Field 25
The values for the POS condition code are:
15 May 2013
Value
Description
Usage
00
Normal Transaction of
this type
For Authorization Requests for Visa Card

and Visa Electron Card Transactions. 00
indicates that the Card and the
Cardholder are present at the Merchant
Outlet (face-to-face Transaction).
01
Not used for Visa Card and Visa Electron

Card Transactions.
02
Terminal Cardholder
operated, such as ATM, or
Automated Dispensing
Machine
Indicates that the Transaction originated

in the Unattended Environment (Card
and Cardholder present).
03
Merchant suspicious of
Transaction or Card
Indicates that the Transaction may be

occurring on a Card that is lost, stolen or
counterfeit.

A-67
Field 25 (Continued) The values for the POS condition code are:
A-68
Value
Description
Usage
05
Cardholder present; Card

not present
Indicates that the Cardholder is present

at the Merchant Outlet, but the Card is
not present.
Under these circumstances, the
Cardholder has given the Merchant the
Card data, which is maintained on file for
billing purposes, that is, a Transaction at
an Automated Fuel Dispenser, toll road or
toll bridge that is initiated with a
Merchant-proprietary proximity device.
08
Mail/Phone Order
Transaction/Recurring
Transaction

via the mail or telephone.
Also identifies a Recurring Transaction
when the recurring payment indicator R
is present in field 126.13, POS Environment,
or for a Transaction acquired in Visa USA,
when 02 is present in field 60.8, Mail/
Telephone/Electronic Commerce Indicator.
10
Cardholder identity
verified (used for check
acceptance only)

Cards.
51
Request for Account

Number Verification
without Authorization, or
request for Account
Number and address
verification without
Authorization
Indicates that a request for address

verification or Account Number
Verification occurred without requesting
Authorization.
59
Electronic Commerce
Transaction through
public network

via the internet.
71
Card is present, Magnetic

Stripe cannot be read
(key-entered)
Indicates that the Account information

was obtained via key entry because the
Point-of-Transaction Terminal could not
read the Magnetic Stripe on the Card
(Magnetic-Stripe read failure).
Acquiring
Institution
Identification Code
Field 32
Retrieval Reference
Number
Field 37
A number, usually assigned by the Acquirer, that is used with other data elements
to identify and track Authorization messages relating to a Transaction. It must be
expressed in the format YDDDnnnnnnnn. A new retrieval reference number must
be assigned for each new Authorization Request and must not contain all zeros.

15 May 2013
15 May 2013
Authorization Code
Field 38
A code assigned by the Issuer or its Authorizing Processor if the Authorization

Request is approved. (If a Transaction is authorized through the V.I.P. System, the
first five digits of the Authorization code or 0000Y must appear in the Visa
System record. See Volume IGeneral Rules, Section 6.2.A.1.a)
Response Code
Field 39
Value
Description
00
Approval
01
Referral; call Issuer for instructions (Use in or

out toll-free line if available or call collect.
The Issuer must maintain a record of the
final Response.)
Response code 01 is invalid for ATM
Transactions.
For ATM Cash Disbursements and
Transactions at an Unattended Acceptance
Terminal, an Authorizing Processor may
convert an 01 Response to an 05 Response.
02
Referral; special condition (See Response

code 01.)
03
Invalid Merchant/service provider
04
Pick up Card
05
06
Error
07

43.)
10
Partial Authorization
11
VIP (Very Important Person) approval
12
Invalid Transaction
13
Invalid amount
14
15
No such Issuer
19
Re-enter request
41

fraudulent use.)
43

51
52
No checking account
53
No savings account

A-69
Response Code
Value
Description
54
Authorization declined; Expired Card
55
Incorrect PIN
57
61
Withdrawal amount limit or activity amount

limit exceeded
62
Restricted Card
65
Activity count limit exceeded
75
77
Data contained in a repeat request or

Reversal message differs from original
request
81
Cryptographic Error
82
86
91
Service unavailable now
93

of law
96
System malfunction
A-70
Card Acceptor
Identification Code
Field 42
An alphanumeric code assigned by the Acquirer to identify a Merchant.

This field must contain the Card acceptor identification code. Unless provided by
different entities, the Card acceptor identification code must be the same
Card Acceptor
Name and Location
Field 43
Merchant, ATM, Branch).
If the Card acceptor provides a customer service telephone number in the
Merchant city field in the Clearing Record, the telephone number in this field and in
the same field in the Clearing Record must align.
senders name
CVV/iCVV Results
Code
Field 44.5
Transactions. A complete list of response codes may be found in the VisaNet
Manuals.
Value
Description

15 May 2013
Transaction
Currency Code
Field 49
A three digit code that identifies the Transaction Currency. The code in this field
must always reflect the currency in the Transaction Amount field (Field 4). Valid
currency codes may be found in the VisaNet Manuals.
Cardholder Billing
Currency
Field 51
A three digit code that identifies the currency used by the Issuer to bill the
Cardholders account. Valid codes may be found in the VisaNet Manuals.
Additional POS
Information
Field 60
A field that provides additional information about conditions at the Point-ofTransaction.

Position 1 - terminal type
15 May 2013
Value
Description
Usage
Unspecified
Indicates that the type of Point-ofTransaction Terminal is not specified.
Effective until 14 October

2011, terminal that
performs CardholderActivated Transactions
(CAT) Type A
Effective from 15 October
2011, Transaction at an
Terminal that is below the
Floor Limit
Effective until 14 October 2011, indicates

an Unattended Acceptance Terminal that
performs a CAT Type A Transaction,
which has all of the following
characteristics:

2011, terminal that
performs CardholderActivated Transaction
(CAT) Type C (ATM)
2011, Chip-initiated
Transaction with PIN
Verification at an
Terminal
Indicates that the Transaction occurred at

an ATM.

2011, terminal that
(CAT) Types B and C
Terminal that requires
Authorization
Effective until 14 October 2011, indicates

performs one of the following types of
Transactions:
Is less than US $40.00, or local

currency equivalent
Is not authorized
No Cardholder Verification is
performed
CAT Type A examples:
- Parking garage fee
- Road toll
CAT Type B, which is a Transaction

that takes place at an Unattended
Acceptance Terminal and has all of the
following characteristics:
- Is less than US $100, or local
currency equivalent
- Is authorized
- Has no Cardholder Verification
performed

A-71
Additional POS
Information
Field 60
(Continued)

Position 1 - terminal type (Continued)
Value
Description
Usage
CAT Type C, which is a Transaction
Acceptance Terminal and has both of
the following characteristics:
- Is authorized
- Has PIN Verification performed
CAT Type B examples:
Fuel purchase without a PIN
Prepaid Card purchase
Video rental
CAT Type C example:
Fuel purchase with a PIN
Additional POS
Information
Field 60 (continued)
A-72
Electronic cash register
Indicates that a cash register is capable of

reading the Magnetic Stripe or Chip on
the Card.
Telephone device
(including Visa Europe
dial terminals)
Identifies a stand-alone dial-up terminal

used by a Merchant to obtain the Card
data that is subsequently transmitted to
the Acquirer, Issuer or Visa Europe via a
telephone line.
This value applies only to a Card-Present
Environment Transaction and does not
indicate a telephone operated by the
Cardholder.
Reserved
Do not use. Not a valid value.
Position 2 - terminal entry capability
Value
Description
Usage
Unknown
Indicates that the terminal capability

cannot be determined.
Terminal not used
Indicates that a terminal was not used to

capture the Card data.
Magnetic-Stripe-read
capability
Indicates that a terminal can read the

Magnetic Stripe on the Card.
Barcode read capability
Not used for Visa Cards and Visa Electron

Cards at this time.
OCR read capability

Cards at this time.
Chip-capable terminal

Chip and the Magnetic Stripe on the
Card.

15 May 2013
Additional POS
Information
Additional POS
Information
Transaction
Currency Code
Field 104
15 May 2013
Position 2 - terminal entry capability (Continued)
Value
Description
Usage
Proximity read capability

proximity Chip on the Card.
Does not apply to Merchant proprietary
proximity devices.
Terminal does not have

the capability to read
Card data
Indicates that the terminal does not have

the capability to read the Chip or
Position 9 and 10 - Mail/Phone Order Transaction or Electronic Commerce

Transaction Indicators
Value
Description
Usage
00
Not applicable
Indicates that the mail order, telephone

order, electronic commerce indicator is
not relevant for the Transaction.
05
Secure Electronic
Commerce Transaction
Indicates that the Electronic Commerce

Transaction has been authenticated using
a approved protocol, such as 3-D Secure.
06
Non-Authenticated
Security Transaction at a
3-D Secure-capable
Merchant and the
Merchant attempted
Cardholder
authentication using 3-D
Secure

Cardholder using 3-D Secure, but was
unable to complete the Authentication
because the Cardholder or the Issuer
does not participate in the 3-D Secure
program.
07
Non-Authenticated
Security Transaction

Transaction that uses data encryption for
security, however Cardholder
Authentication is not performed using an
approved protocol, such as 3-D Secure.
08

Transaction that has no data protection.
(This value is not valid for Visa Europe
Transactions.)
09
For optional Regional use

only
Identifies a Non-Authenticated Security

Transaction conducted at a secure
terminal that is capable of an electronic
Transaction, where the Merchant is
located outside the USA Region.
Transactions or Transactions that
originate in the U.S.A.)

A-73
Visa Private-Use
Field, VSEC
Subfields Field 126
Value
Subfield 126.6
Subfield 126.7
Subfield 126.8
Subfield 126.9

Value (CAVV)
Subfield 126.13
A-74
Description
Recurring Payment Indicator

15 May 2013
AUTHORIZATION Exhibit 3C
Exhibit 3C
Required Message Content for Visa Europe Systems Financial Transactions

Message content for Financial Transactions using Single Message System formats.
Members must be able to provide or recognise the following information when submitting or receiving
financial messages through the Single Message System. The message format and content must comply
with the specifications in the Visa Europe System Manuals.
NOTE: This exhibit does not apply to the V.I.P System, please refer to Required Message Content for
VisaNet Financial Transactions (Exhibit 3A) for more information.
Message Type
Indicator
The four digit code used to identify a financial message. The values are:
Value
Description
0200
Original Financial Transaction

Merchandise Credit
Account Transfer
Balance Inquiry
0220
Representment
Adjustment/Good Faith Collection
Acquirer Fee Collection/Funds
Disbursement
0420
Reversal
0422
Chargeback
Issuer Fee Collection/Funds Disbursement
Account Number
Field 2
Processing Code
Field 3
Positions 1 and 2
15 May 2013
Value
Description
00
01
Cash Disbursement
02
AdjustmentDebit
03
Check Guarantee Transaction
10
Account Funding TransactionDebit
11
Quasi-Cash /Online Gambling Transaction
19
Fee CollectionDebit
20
Return (of goods)Credit
22
AdjustmentCredit
28
Prepaid Activation and Load
29
Funds DisbursementCredit
72
Prepaid Activation

A-75
Processing Code
Field 3 (Continued)
Positions 1 and 2 (Continued)
Processing Code
Field 3 (continued)
Processing Code
Field 3 (continued)
Value
Description
30
Balance Inquiry
40
Positions 3 and 4
Value
Description
00
10
Savings Account
20
Checking Account
30
Credit Card Account
40

Number)
Positions 5 and 6
Value
Description
00
Not applicable
10
Savings Account
20
Checking Account
30
Credit Card Account
40

Number)
Field 4
Examples:
73.49 = 000000007349
4,962.50 = 000000496250
A-76
Settlement Amount
Field 5
The Transaction Amount in the Settlement Currency.
Cardholder Billing
Amount
Field 6
The Transaction Amount in the Cardholder billing currency.
Transmission Date
and Time
Field 7
Example:
October 9 at 9:38.06 AM = 1009093806

15 May 2013
Systems Trace Audit

Number
Field 11
A six digit number that uniquely identifies a Transaction and all the messages it
includes according to individual program rules.
Transaction Time
Field 12
The local time of the Transaction. It must be expressed in the format hhmmss,
with a leading zero for any time that is represented by one digit.
Transaction Date
Field 13
The month and day when a Transaction occurs at the Card acceptor location. It
must be expressed in MMDD format with a leading zero for any month or day
that is represented by one digit.
Settlement Date
Field 15
The date when the Transaction is settled.
Merchant Type
Field 18
A four digit code identifying the type of business conducted by the Merchant (that
is, the Merchant Category Code). See Appendix B, Merchant Data Standards, for a
complete listing.
Acquiring
Institution Country
Code
Field 19
POS Entry Mode

Code
Field 22
A four digit code indicating the type of Point-of-Transaction Terminal used

(positions 1 and 2) and the capability of the terminal, if one was used, to capture
The third position does not indicate that a PIN was entered or that a PIN is included
in the message.
Positions 1 and 2
15 May 2013
Value
Description
00
Unknown
01
Manual/key entry
02
Magnetic Stripe read
05
Chip Card read
07
Proximity Payment (Chip Card rules)
90
Magnetic Stripe read, entire contents of

track 1 or track 2 transmitted
91
Proximity Payment (Magnetic-Stripe Card

rules)
95
Chip Card read; chip data are unreliable

A-77
POS Entry Mode

POS Entry Mode

POS Condition Code

Field 25
A-78
Position 3
Value
Description
Unknown
Terminal can accept and capture PINs
Terminal cannot accept or capture PINs
PIN pad inoperative
Position 4
Value
Description
Unused
A two digit code used to identify conditions at the Point-of-Transaction. The values
for the POS condition code are:
Value
Description
00
Normal Transaction of this type
01
02
03
Merchant suspicious of Transaction or Card
05
Cardholder present; Card not present
06
Preauthorization Request
08

(including Recurring Transactions)
10
Cardholder identity verified
59
Electronic Commerce Transaction conducted

over an open network
71
Card present, magnetic stripe cannot be read

(key entered)
Acquiring
Institution
Identification Code
Field 32
Retrieval Reference
Number
Field 37
A number that is used with other data elements to identify and track all messages
relating to a specific Transaction. It should be expressed in the format
YDDDnnnnnnnn. This field must not contain all zeros.

15 May 2013
Response Code
Field 39
15 May 2013
Value
Description
00
Approval
01
Referral; call Issuer. This response is invalid

for ATM Transactions.
02
Referral; special condition. This response is

invalid for ATM Transactions.
03
Invalid Merchant
04
Pick up Card
05
06
Error
07

43)
10
Partial Approval
11
Approval; VIP (Very Important Person)
12
Invalid Transaction
13
Invalid amount
14
15
No such Issuer
19
Re-enter request
39
No credit account
41

fraudulent use.)
43

51
52
No checking account
53
No savings account
54
Expired Card
55
Incorrect PIN
57
61
Exceeds approval amount limit (activity

amount limit exceeded)
62
Restricted Card
65
Withdrawal frequency limit exceeded

(activity count limit exceeded)
75

A-79
Response Code
Value
Description
81
Cryptographic error
82
85
No reason to decline a request for address

verification or CVV2 verification
86
91
Service unavailable
92
Routing not successful
93

of law
96
System malfunction
Y1
Offline Approved
Y3
Unable to go online (offline approved)
A-80
Card Acceptor
Terminal
Identification
Field 41
A code that identifies a terminal or an ATM at the Card acceptor location.
Card Acceptor
Identification Code
Field 42

Card Acceptor
Name and Location
Field 43
Merchant, ATM, Branch). For an International Original Credit money transfer this
field must contain the senders name.
Cardholder
Authentication
Verification Value
Results Code
Field 44.13
A code that identifies the outcome of Cardholder Authentication Verification Value

validation for 3-D Secure Transactions.
CVV/iCVV Results
Code
Field 44.5
Transactions. A complete list of response codes may be found in the Visa Europe
System Manuals.
Value
Description

15 May 2013
Additional Data Private

Field 48
A field used to identify additional information (for example can be used to

represent additional information for MCC 6012 Authorization Requests). The
values are:
Data Description
Length
Format
Date of birth of recipient
Eight-digit code in the format

YYYYMMDD.
NOTE:
15 May 2013
No default date is
captured
Partially masked
Account Number of
recipient; or
Account Number of
recipient.
10
Card to Card payments:

First six and last four
characters of recipients
Account Number (no
spaces).
Card to card payments:
Up to 10 characters of the
recipients Account Number.
If the Account Number is
under 10 characters, the
remaining field locations
must be populated with an
asterisk (*).
Partial post code of

recipient account
First part of the post code (the

district in the United Kingdom)
which Acquirers must populate
(for example for post code
KA27 8AA, specify only
KA27).
If the first part of the post code
is only two characters, the
remaining field locations must
be left blank.
Surname of recipient
First six characters of the

recipients surname.
Alphabetic characters only
must be used (for example Latin
characters such as A, B, C or a,
b, c and so on).
If the surname is shorter than
six characters, the remaining
field locations must be
populated with an asterisk (*).
Transaction
Currency Code
Field 49
A three digit code that identifies the Transaction Currency. The code must always
reflect the currency in the Transaction Amount field (field 4). Currency codes may
be found in the Visa Europe System Manuals.
Settlement
Currency Code
Field 50
A three digit numeric code that identifies the Settlement Currency.
Cardholder Billing
Currency Code
Field 51
A three digit numeric code that identifies the currency used by the Issuer to bill the
Cardholders account.

A-81
Positions 9 and 10 are the Electronic Commerce Transaction Indicators. The values
Mail/Telephone or
Electronic
are:
Commerce Indicator
Field 60.8
Value
Description
00
Not applicable
01
Single Transaction of a Mail/Phone Order

Transaction
03
04
Unknown
05
06

07
08
09
For optional Visa Europe use only
Network
Identification Code
Field 63.1
A code that specifies the network to be used for the transmission of the message,
which determines the program rules that apply to the Transaction.
Message Reason
Code
Field 63.3
A code that explains the reason for sending an Acquirer-generated advice, Reversal,
Adjustment, Chargeback, Chargeback reversal, Representment, Fee Collection or
funds disbursement.

Mail/Telephone or
Electronic
Commerce Indicator
Field 63.6
A-82
Value
Description
Space
POS Customer Present (POS Check Service

Only)
Single Transaction of a mail/phone order
Instalment payment
Unknown classification/Other mail order


15 May 2013

Mail/Telephone or
Electronic
Commerce Indicator
Field 63.6
(Continued)
15 May 2013
Value
Description
Reimbursement
Attribute
Field 63.11
A code that identifies the applicable Interchange Reimbursement Fee for a

Transaction.
Original Data
Elements
Field 90
Information used to link the current message back to prior messages relating to the
same Transaction.
Transaction-Specific
Data
Field 104
Visa Inc./Europe
Private-Use Field,
VSEC Subfields Field
126
Value
Description
126.6
126.7
126.8
126.9

Value (CAVV)

A-83
AUTHORIZATION Exhibit 3D
Exhibit 3D
Required Message Content for Visa Europe Systems Authorization Requests

Required data for Authorization Requests and Authorization Responses for Members using the Visa
Europe Authorization Service Authorization Message formats
When requesting an Authorization or receiving an Authorization Response from an Issuer, an Acquirer
must provide and recognise the following information. The message format and content must comply
with the specifications in the Visa Europe System Manuals.
NOTE: This exhibit does not apply to the V.I.P System, please refer to Required Message Content for
VisaNet Authorization Requests (Exhibit 3B) for more information.
For information concerning Single Message System message elements, see Required Message Content
for Visa Europe Systems Financial Transactions (Exhibit 3C) for those using the Visa Europe Authorization
Service and the Required Message Content for VisaNet Authorization Requests (Exhibit 3A) for those using
the V.I.P. System.
Message Type
Indicator
The four digit code used to identify the message. The values are:
Value
Description
0100
0101
Authorization Request repeat
0102
ATM Transaction confirmation
0110
Response
0400
Reversal request
0401
Reversal repeat
Account Number
Field 2
Processing Code
Field 3
applicable, the type of account affected (positions 3 and 4).
Positions 1 and 2
A-84
Value
Description
00
01
Cash Disbursement
11
Quasi-Cash/Online Gambling Transaction
26
Original Credit
28
Prepaid Load
30
Balance Inquiry
40
70
PIN Change/Unblock
72
Prepaid Activation

15 May 2013
Processing Code
Field 3 (continued)
Processing Code
Field 3 (continued)
Positions 3 and 4
Value
Description
00
10
Savings Account
20
Checking Account
30
Credit Card Account
40

Number)
Positions 5 and 6
Value
Description
00
Not applicable
10
Savings Account
20
Checking Account
30
Credit Card Account
40

Number)
Field 4
Examples:
73.49 = 000000007349
4,962.50 = 000000496250
15 May 2013
Transmission Date
and Time
Field 7
Example: October 9 at 9:38.06 AM = 1009093806
System Trace Audit

Number
Field 11
A six digit number assigned by the message initiator that uniquely identifies a
Transaction made by a Cardholder and all the messages it includes according to
individual program rules.

A-85
Expiry Date
Field 14
The four digits identifying the year and month that the Card expires. It must be
expressed in the format YYMM with a leading zero for any month or year that is
represented by one digit.
Examples:
April 1994 = 9404
June 2000 = 0006
The expiry date field must be excluded for:
Transactions where the true expiry date is unknown
All Transactions except Mail/Phone Order Transactions, Recurring Transactions
and PIN-related Transactions, when the Transaction Receipt does not contain
either a:
- Card Imprint
- Signature
Mail/Phone Order Transactions and Recurring Transactions, if the expiry date is
unavailable. (The Merchant must attempt to obtain the expiry date.)
All Transactions initiated at a Point-of-Transaction Terminal with an unexpired
Card, if the terminal cannot capture the expiry date
The expiry date field must be excluded for the previous conditions. This will result in
an Authorization declined (05) Response.
For Mail/Phone Order Transactions and Recurring Transactions, the Issuer may
allow Stand-In Processing to authorize Transactions when no expiry date is
available or specify a Decline Response for this condition.
A-86
Merchant Category
Code (MCC)
Field 18
A four digit code identifying the type of business conducted by the Merchant.
Required field for all requests. See Appendix B, Merchant Data Standards for a
complete listing.
Acquiring
Institution Country
Code
Field 19
A three digit code identifying the country of the acquiring institution.

15 May 2013
POS Entry Mode

Code
Field 22
A four digit code indicating the method used to enter the Account Number and
Card expiry date into the V.I.P. System (positions 1 and 2) and, if an electronic
terminal is used, the capability of the terminal, if one was used, to capture online
The third position does not indicate that an online PIN was entered or that an online
PIN is included in the message.
Positions 1 and 2
15 May 2013
Value
Description
Usage
00
Unknown
Indicates that the method to capture the

Account Number and expiry date is not
known, or that a terminal was not used to
capture the Card data, that is, when the
Transaction is paper-based.
01
Manual/key entry
Indicates that the Card data was not

obtained via the Chip or Magnetic Stripe
on the Card. This value is used when the
Transaction is a mail/phone order, or
recurring, or electronic commerce, or
Authorization is by voice, or when the
Chip or Magnetic Stripe on the Card
cannot be read.
02
Magnetic Stripe read;

CVV checking may not be
possible

processing may not be possible.
05
Integrated circuit card

read; CVV or iCVV
checking is possible

and that CVV or iCVV checking is
possible.
07

VSDC Chip rules

and that the Transaction was processed
according to Chip data rules. CVV or
iCVV checking is possible.
90
Magnetic-Stripe read and

exact contents of Track 1
or Track 2 included (CVV
check is possible)
Indicates that the full, unaltered contents

of the Magnetic Stripe are transmitted to
the Acquirer or Issuer and that CVV
91

Magnetic-Stripe Data
rules (dCVV check is
possible)
Indicates that the Card data was obtained

from a proximity Chip on a Card and that
the Transaction was processed according
to Magnetic-Stripe Data rules. dCVV
95
Chip Card read; chip data

are unreliable

or iCVV processing may not be possible.

A-87
POS Entry Mode

POS Entry Mode

Position 3
Value
Description
Usage
Unknown
Indicates that the online PIN capability of

the Point-of-Transaction Terminal cannot
be determined.
Terminal can accept

online PINs

online PIN.
Terminal cannot accept

online PINs

Terminal cannot accept and forward an
online PIN.
Terminal PIN pad is down

online PIN, but cannot do so because the
PIN pad is not functioning.

Value
Description
Usage
Unused

Position 4
Field 25
The values for the POS condition code are:
A-88
Value
Description
Usage
00
Normal Transaction of
this type
For Authorization Requests for Visa Card

and Visa Electron Card Transactions. 00
indicates that the Card and the
Cardholder are present at the Merchant
Outlet (face-to-face Transaction).
01

Card Transactions.
02
Terminal Cardholder
operated, for example,
ATM, or Automated
Dispensing Machine

in the Unattended Environment (Card
and Cardholder present).
03
Merchant suspicious of
Transaction or Card
Indicates that the Transaction may be

occurring on a Card that is lost, stolen or
counterfeit.

15 May 2013
Field 25 (Continued) The values for the POS condition code are:
15 May 2013
Value
Description
Usage
05
Cardholder present; Card

not present
Indicates that the Cardholder is present

at the Merchant Outlet, but the Card is
not present.
Under these circumstances, the
Cardholder has given the Merchant the
Card data, which is maintained on file for
billing purposes, that is, a Transaction at
an Automated Fuel Dispenser, toll road or
toll bridge that is initiated with a
Merchant-proprietary proximity device.
06
Completion Advice
Preauthorization completion advices

must always contain 06
08
Mail/Phone Order
Transaction/ Recurring
Transaction

via the mail or telephone.
Also identifies a Recurring Transaction
when the recurring payment indicator R
is present in field 126.13, POS Environment,
or for a Transaction acquired in Visa USA,
when 02 is present in field 60.8, Mail/
Telephone/Electronic Commerce Indicator.
10
Cardholder identity
verified (used for check
acceptance only)

Cards.
51
Request for Account

Number Verification
without Authorization, or
request for Account
Number and address
verification without
Authorization
Indicates that a request for address

verification or Account Number
Verification occurred without requesting
Authorization.
59
Electronic Commerce
Transaction through
public network

via the internet.
71
Card is present, Magnetic

Stripe cannot be read
(key-entered)
Indicates that the Account information

was obtained via key entry because the
Point-of-Transaction Terminal could not
read the Magnetic Stripe on the Card
(Magnetic-Stripe read failure).

A-89
Additional Data Private

Field 48
A field used to identify additional information (for example can be used to

represent additional information for MCC 6012 Authorization Requests). The
values are:
Data Description
Length
Format
Date of birth of recipient
Eight-digit code in the format

YYYYMMDD.
NOTE:
A-90
No default date is
captured
Partially masked
Account Number of
recipient; or
Account Number of
recipient.
10
Card to Card payments:

First six and last four
characters of recipients
Account Number (no
spaces).
Card to card payments:
Up to 10 characters of the
recipients Account
Number.
If the Account Number is
under 10 characters, the
remaining field locations
must be populated with
an asterisk (*).
Partial post code of

recipient account
First part of the post code

(the district in the United
Kingdom) which Acquirers
must populate (for example
for post code KA27 8AA,
specify only KA27).
If the first part of the post
code is only two characters,
the remaining field locations
must be left blank.
Surname of recipient
First six characters of the

recipients surname.
Alphabetic characters only
must be used (for example
Latin characters such as A, B,
C or a, b, c and so on).
If the surname is shorter than
six characters, the remaining
field locations must be
populated with an asterisk
(*).
Acquiring
Institution
Identification Code
Field 32
Retrieval Reference
Number
Field 37
A number, usually assigned by the Acquirer, that is used with other data elements
to identify and track Authorization messages relating to a Transaction. It must be
expressed in the format YDDDnnnnnnnn. A new retrieval reference number must
be assigned for each new Authorization Request and must not contain all zeros.

15 May 2013
15 May 2013
Authorization Code
Field 38
A code assigned by the Issuer or its Authorizing Processor if the Authorization

Request is approved. (If a Transaction is authorized through the Visa Europe
Authorization Service, the first five digits of the Authorization code or 0000Y
must appear in the Visa System record. See Volume IGeneral Rules,
Section 6.2.A.1.a)
Response Code
Field 39
A two digit field indicating the Response to the Authorization Request. The values
for the Response code are:
Value
Description
00
Approval
01
Referral; call Issuer for instructions (Use in or

out toll-free line if available or call collect.
The Issuer must maintain a record of the
final Response.)
Response code 01 is invalid for ATM
Transactions.
For ATM Cash Disbursements and
Transactions at Unattended Acceptance
Terminals, an Authorizing Processor may
convert an 01 Response to an 05 Response.
02
Referral; special condition (See Response

code 01.)
03
Invalid Merchant/service provider
04
Pick up Card
05
06
Error
07

stolen Card. Refer to Response codes 41 and
43.)
10
11
VIP (Very Important Person) approval
12
Invalid Transaction
13
Invalid amount
14
15
No such Issuer
19
Re-enter request
41

fraudulent use.)
43

51
52
No checking account
53
No savings account

A-91
Response Code
A two digit field indicating the Response to the Authorization Request. The values
for the Response code are:
Value
Description
54
Authorization declined; Expired Card
55
Incorrect PIN
57
61
Withdrawal amount limit or activity amount

limit exceeded
62
Restricted Card
65
Activity count limit exceeded
75
77
Data contained in a repeat request or

Reversal message differs from original
request
81
Cryptographic Error
82
86
91
Service unavailable now
93

of law
96
System malfunction
A-92
Card Acceptor
Identification Code
Field 42

Card Acceptor
Name and Location
Field 43
The name and location (city name and country code) of the Card acceptor (for
example, Merchant, ATM, Branch).
If the Card acceptor provides a customer service telephone number in the
Merchant city field in the Clearing Record, the telephone number in this field and in
the same field in the Clearing Record must align.
senders name
CVV/iCVV Results
Code
Field 44.5
Transactions. A complete list of response codes may be found in the Visa Europe
System Manuals.
Value
Description

15 May 2013
Transaction
Currency Code
Field 49
A three digit code that identifies the Transaction Currency. The code in this field
must always reflect the currency in the Transaction Amount field (Field 4). Valid
currency codes may be found in the Visa Europe System Manuals.
Cardholder Billing
Currency
Field 51
A three digit code that identifies the currency used by the Issuer to bill the
Cardholders account. Valid codes may be found in the Visa Europe System Manuals.
Additional POS
Information
Field 60

Position 1 - terminal type
15 May 2013
Value
Description
Usage
Unspecified
Indicates that the type of Point-ofTransaction Terminal is not specified.

2011, Terminal that
(CAT) Type A
Terminal that is below the
Floor Limit
Effective until 14 October 2011, Indicates

performs a CAT Type A Transaction,
which has all of the following
characteristics:

2011, Terminal that
performs CardholderActivated Transaction
(CAT) Type C (ATM)
2011, Chip-initiated
Transaction with PIN
Verification at an
Terminal
Indicates that the Transaction occurred at

an ATM.

2011, Terminal that
(CAT) Types B and C
Terminal that requires
Authorization
Effective until 14 October 2011, Indicates

performs one of the following types of
Transactions:
Is less than US $40.00, or local

currency equivalent
Is not authorized
No Cardholder Verification is
performed
CAT Type A examples:
- Parking garage fee
- Road toll
CAT Type B, which is a Transaction

Acceptance Terminal and has all of the
following characteristics:
- Is less than US $100, or local
currency equivalent
- Is authorized
- Has no Cardholder Verification
performed

A-93
Additional POS
Information
Field 60
(Continued)

Position 1 - terminal type (Continued)
Value
Description
Usage
CAT Type C, which is a Transaction
Acceptance Terminal and has both of
the following characteristics:
- Is authorized
- Has PIN Verification performed
CAT Type B examples:

Fuel purchase without a PIN
Prepaid Card purchase
Video rental
CAT Type C example:
Fuel purchase with a PIN
Additional POS
Information
Field 60
(Continued)
A-94
Electronic cash register
Indicates that a cash register is capable of

reading the Magnetic Stripe or Chip on
the Card.
Home terminals, which

include personal
computers, personal
digital assistants,
interactive televisions and
telephones
Used to identify a device that is owned by

the Cardholder.
Telephone device
(including Visa Europe
dial terminals)
Identifies a stand-alone dial-up terminal

used by a Merchant to obtain the Card
data that is subsequently transmitted to
the Acquirer, Issuer or Visa Europe via a
telephone line.
This value applies only to a Card-Present
Environment Transaction and does not
indicate a telephone operated by the
Cardholder.
Reserved
Do not use. Not a valid value.
Position 2 - terminal entry capability
Value
Description
Usage
Unknown
Indicates that the terminal capability

cannot be determined.
Terminal not used
Indicates that a terminal was not used to

capture the Card data.
Magnetic-Stripe-read
capability


15 May 2013
Additional POS
Information
Field 60
(Continued)
Additional POS
Information
Field 60
(Continued)
15 May 2013
Position 2 - terminal entry capability (Continued)
Value
Description
Usage
Barcode read capability

Cards at this time.
OCR read capability

Cards at this time.
Chip-capable terminal

Chip and the Magnetic Stripe on the
Card.
Proximity read capability

proximity Chip on the Card.
Does not apply to Merchant proprietary
proximity devices.
Terminal does not have

the capability to read
Card data
Indicates that the terminal does not have

the capability to read the Chip or

Transaction Indicators
Value
Description
Usage
00
Not applicable
Indicates that the mail order, telephone

order, electronic commerce indicator is
not relevant for the Transaction.
01
Mail/Phone Order
Transaction (MOTO)
Use to indicate that the Transaction is a

Mail/Phone Order Transaction, not a
Recurring Transaction or Instalment
Transaction
02
Used by Acquirers in the US. Acquirers in

the Territory must use F126.13 with a
value or R to identify a Recurring
Transaction.
03
Use to indicate a single purchase or

goods or services that is billed to the
account in multiple charges over a period
of time agreed upon by the Cardholder
and Merchant.
04
Unknown classification/
other mail order
Use to indicate that the type of Mail /

Phone order is unknown
05
Secure Electronic
Commerce Transaction
Indicates that the Electronic Commerce

Transaction has been authenticated using
a approved protocol, such as 3-D Secure.

A-95
Additional POS
Information
Field 60
(Continued)
A-96

Transaction Indicators (Continued)
Value
Description
Usage
06
Non-Authenticated
Security Transaction at a
3-D Secure-capable
Merchant and the
Merchant attempted
Cardholder
authentication using 3-D
Secure

Cardholder using 3-D Secure, but was
unable to complete the Authentication
because the Cardholder or the Issuer
does not participate in the 3-D Secure
program.
07
Non-Authenticated
Security Transaction

Transaction that uses data encryption for
security, however Cardholder
Authentication is not performed using an
approved protocol, such as 3-D Secure.
08

Transaction that has no data protection.
Transactions.)
09
For optional Visa Europe

use only
Identifies a Non-Authenticated Security

Transaction conducted at a secure
terminal that is capable of an electronic
Transaction, where the Merchant is
located outside the USA Region.
Transactions or Transactions that
originate in the U.S.A.)
Network
Identification Code
Field 63.1
A four digit code that specifies the network to be used for transmission of the
message and determines the program rules that apply to the Transaction.
Acquirers must send a value of 0000 in 0100 and 0400 requests.
Issuers must return the value in responses.
Transaction
Currency Code
Field 104

15 May 2013
Visa Private-Use
Field, VSEC
Subfields Field 126
Value
Subfield 126.6
Subfield 126.7
Subfield 126.8
Subfield 126.9

Value (CAVV)
Subfield 126.13
15 May 2013
Description
Recurring Payment Indicator

A-97
AUTHORIZATION Exhibit 3E
Exhibit 3E
Certification of Special Authorization Representment Amount
Instructions: This form must be completed for each Representment as specified in Volume II - Dispute Resolution Rules,
Chargeback reason code 71, "Declined Authorization" and Chargeback reason code 72, "No Authorization." A copy of the
Merchant's Guest Folio and/or Transaction Receipt or Substitute Transaction Receipt, as appropriate for the Cardholder,
must also be attached to this form. Both must accompany the Dispute Resolution Form (Exhibit 2E).
To BIN:
From BIN:
Estimated Input Date:
Account Number:
Cardholder Name:
Account Reference Number:
Representment Amount:
Hotel Merchant:
Car Rental Merchant:
Check-in Date:
Rental Date:
Check-out Date:
Return Date:
Room Rate:
Rental Rate:
Intended Length of Stay:
Intended Length of Rental:
Estimated Transaction Amount:
Estimated Transaction Amount:
Transaction Amount:
Transaction Amount:
NOTE:
The Merchant's Guest Folio and/or Transaction Receipt, or Substitute Transaction Receipt as appropriate, must
substantiate this information.
AUTHORIZATIONS OBTAINED
Date
Isssuer's
Authorization
Code
Amount
Date
Amount
Isssuer's
Authorization
Code
CALCULATION OF THE REPRESENTMENT AMOUNT

Below-Floor Limit Transactions
Above-Floor Limit Transactions
Applicable Floor Limit:
Sum of Amounts Authorized:
Transaction Amount:
15% of the Sum of Amounts Authorized:
Totals Allowed:
Transaction Amount:
NOTE:
A-98
The Representment amount must not exceed the Transaction Amount

15 May 2013
BIN
BIN
Exhibit 4A
Exhibit 4A
Exhibit 4B
Exhibit 4B
Exhibit 4D
Exhibit 4E
Exhibit 4E
Exhibit 4F
Exhibit 4F
Exhibit 4G
Exhibit 4I
Exhibit 4J
15 May 2013
BIN License Agreement Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 100

BIN License Agreement Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 104
Change of BIN Licensee / User Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 108
Change of BIN Licensee / User Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 110
Member Portfolio Sale Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 112
Release of BIN Form Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 113
Release of BIN Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 115
Visa Interchange Directory Update Form Instructions . . . . . . . . . . . . . . . . A - 117
Visa Interchange Directory Update Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 121
Global Customer Assistance Services (GCAS) Card Issuer
Information Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 127
Stand-In Emergency Services Processing Form . . . . . . . . . . . . . . . . . . . . . . . . .A - 128
Emergency Service Location Form VISA 911 . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 129

A-99
BIN Exhibit 4A
Exhibit 4A
BIN License Agreement Instructions

Members using the Visa System may be assigned a unique six digit Bank Identification Number (BIN)
as required for Interchange purposes. The BIN format is 4XXXXX. These instructions will assist you in
determining your need for a unique BIN and in completing the BIN License Agreement Form.
When completing the form:
Use only one form per BIN request.
For multiple product requests, submit a separate section 6 (BIN USAGE) for each product or
program range within the BIN.
With any BIN change request, submit a Visa Interchange Directory Update Form (Exhibit 4F) and
complete all sections of the form.
Ensure that the form is signed by an authorised signatory of the applicant organisation.
Send the completed form to Visa Europe through your Relationship Manager or Project
Implementation Manager.
If the submitted form is incomplete, the BIN or account range assignment will be delayed.
If you have any questions about completing this form, please contact Visa Europe via email:
visaeuropemembership@visa.com
1. Type of Request
A Bank Identification Number (BIN) is a unique number assigned by Visa Europe to the following
institutions: Authorizing Members, Clearing Members, Acquirers and Issuers.
Tick the appropriate request box indicating the type of request.
Establish new BIN
The institution requires a unique BIN for a new product and or program.
Modify existing BIN or

account range
The institution will use an existing BIN or account range to convert to a new
product or program.
Please state what product or program the institution is converting to and from
(for example, convert a BIN from credit to debit, or convert a BIN account
range from Classic to Gold) and the designated account range(s) for each
product.
Establish shared
relationship
The institution will use a BIN that is already licensed to a different institution,
but where that institution belongs to the same banking group of BIN licensee
and is sponsored for Visa Europe Membership within such banking group, and
such sponsorship is within the same country.
A BIN, or an account range of a BIN, will be used by the institution to either
issue Cards, acquire Merchant Transactions, or both.
Establish new BIN with

multiple products
The institution requires a new BIN for a program of multiple products.

There are restrictions to the product types that may be assigned to the same
BIN:
Credit, immediate debit, deferred debit and prepaid must not reside on the
same BIN
Consumer and commercial products must not reside on the same BIN.
Centralised Card Issuance of

Visa Corporate Cards and
Visa Purchasing Cards to
Multinational Companies
A-100
With the prior approval of Visa Europe, the institution will use a BIN that is
already licensed to a different institution for a multinational Commercial Card
program.
A BIN, or an account range of a BIN, will be used by the institution to issue
multinational Visa Corporate Cards and Visa Purchasing Cards.

15 May 2013
BIN Exhibit 4A
2. Applicant Data
Business ID
The unique eight-digit identifier assigned by Visa Inc to its Customers and
Visa Europe to its Members.
Legal Name
The legal name of the institution in which you are incorporated. It must be
identical to the name in Visa Europe membership records.
If your organisation is known locally or nationally by another name, please do
not list that name.
Legal Address
The legal location of the institution where the institution is incorporated. This
must match the address previously supplied to Visa Europe.
Mailing Address
Complete if the BIN notification letter should be mailed to an address other

than the legal address.
3. Modify Existing BIN or Existing Account Range

BIN or Account Range
The BIN or account range to be modified.
Effective Date of Change
The date the change will be effective.
Description of Change
A brief explanation of the required changes. This will assist in the proper
completion and processing of the form. For example:
From Credit to Debit
From Classic to Gold
4. Establish Shared Relationships

BIN
The BIN to be shared as defined under the criteria for sharing. See section 1
above, item Establish shared relationship.
Licensee Business ID
The Business ID of the licensee of the BIN to be shared.
User Business ID
The Business ID of the user with whom that BIN is to be shared
Issuing Account Range
For BIN sharing, these digits constitute the 7th through the 9th positions of the
Card Account Number. They identify another institution that is financially
responsible for the Transactions. In this situation, the six-digit BIN alone does
not identify the Issuer that is the creditor of the Cardholder's account.
Acquiring
The Merchant signing or Cash Disbursement resulting in the direct or indirect

entry of the Transaction Receipt into Interchange.
5. Centralised Card Issuance of Visa Corporate Cards and Visa Purchasing Cards to
Multinational Companies
15 May 2013
BIN
The BIN to be shared.
Licensee Business ID
The Business ID of the licensee of the BIN to be shared.
Issuing Account Range
For BIN sharing, these digits constitute the 7th through the 9th positions of the
Card Account Number. They identify another institution that is financially
responsible for the Transactions. In this situation, the six digit BIN alone does
not identify the Issuer that is the creditor of the Cardholder's account.
Country of Use
Country in which program is to be issued.
Billing Currency
Currency in which an Issuer bills a Cardholder for Transactions.

A-101
BIN Exhibit 4A
6. BIN Usage
Select all appropriate activities (Issuing, Acquiring, Processing or other) that will occur on the BIN.
Issuing
Direct contractual relationships with Cardholders for the issuance of Cards.
Country of Issuance
Country in which program is to be issued.
Program (Access Type)
Credit
A Credit Card offers the cardholder a line of credit, specific to that Credit Card
account, and has the ability to revolve part, or all, of any outstanding balance
on the Credit Card account during each statement cycle.
Debit
Debit is divided into two sub categories:
Immediate: A Direct (Immediate) Debit Card is linked to a current (or
deposit access) account to which a Transaction is debited immediately (in
a maximum of two working days) on receipt of the Transaction by the
Issuer.
Deferred: A Deferred Debit Card is linked to an account whereby the
Transactions are accumulated with other transactions on a deferred basis, a
statement is issued, and the cardholder is required to pay the outstanding
balance in full.
Prepaid
A Card used to access funds in a Prepaid Account or a Card where monetary
value is stored on a Chip. It is always Direct (Immediate) Debit.
Prepaid category
If you selected Prepaid, you must always indicate the category from the
following list:
CNCOMMERCIAL-NON RELOADABLE
COCOMMERCIAL-RELOADABLE
GNCONSUMER GIFT-NON RELOADABLE
GICONSUMER GIFT-RELOADABLE
PNCORPORATE GIFT-NON RELOADABLE
ICCORPORATE GIFT-RELOADABLE
BNCROSS BORDER-NON RELOADABLE
CBCROSS BORDER-RELOADABLE
GOGENERAL PURPOSE PREPAID-NON RELOADABLE
GPGENERAL PURPOSE PREPAID-RELOADABLE
GVGOVERNMENT/STATE DISBURSE-RELOADABLE
ONOTHER PREPAID-NON RELOADABLE
OTOTHER PREPAID-RELOADABLE
PAPAYROLL-NON RELOADABLE
PPPAYROLL-RELOADABLE
PLPRIVATE LABEL-NON RELOADABLE
TNTRAVELMONEY-NON RELOADABLE
TPTRAVELMONEY-RELOADABLE
YOYOUTH-RELOADABLE
A-102
Visa Product
A Card that bears a Visa-Owned Mark and enables a Cardholder to obtain

goods, services, or cash from a Merchant or Acquirer.
Select the product, and enter the account range to be used for that product.
Visa Brand Mark Product

Extension (if applicable)
An embossed Visa Card that has an Online Authorization Service Code on the
Magnetic Stripe.
An unembossed Visa Card that has either a standard Authorization or an
Online Authorization Service Code on the Magnetic Stripe.

15 May 2013
BIN Exhibit 4A
Acceptance Marks
A Card may bear multiple Licensed Marks, as specified in Visa Europe

Operating Regulations, Volume IGeneral Rules , Chapter 10, Card and Marks
Requirements and the Visa Product Brand Standards website.
Affinity/Co-brand Programs
A Card bearing any of the Visa Marks issued by a Member that, in addition to
the corporate name of the Member and the program name (such as Classic),
displays the Trade Name and/or Trademark of an entity not eligible for
membership in the Association (non-Member), in the case of Co-branding
usually adding value for profit.
Card Account Length
The total length of the Account Number that appears on the Card.
The Visa Card Account Number structure consists of the six-digit BIN, a
Cardholder Account Number, and a single check digit. The Account Number is
used to route Interchange Authorizations and effect Interchange and
Settlement between Members, as well as to identify the Issuer.
The BIN structure conforms to standards established by the International
Organisation for Standardisation:
A six-digit BIN is used to issue a 16-digit Account Number format.
The 16-digit format provides nine positions.
The embossing format for a 16-digit structure is:
4XXX XXAA AAAA AAAC
Acquiring
A Merchant signing or Cash Disbursement resulting in the direct or indirect entry of the Transaction
Receipt into Interchange.
Processing
The act of performing Authorization, Clearing or Settlement services for Merchants and Members.
Other Usage
If the BIN will be used for a product, program, service or function not indicated above, describe the
usage in the space provided.
7. Declaration
15 May 2013
Signature
The original signature of an authorized signatory of the institution requesting

the BIN. By signing this form, the institution accepts full responsibility and
liability for all Transactions through the BIN.
Legal Name
The legal name of the Group Member, sponsoring Principal Member or shared
BIN licensee that has a formal relationship with the applicant (if applicable).
The legal name must be identical to the name in Visa Europe membership
records. If the organisation is known locally or nationally by another name,
please do not list that name.
Signature
If an institution submitting the form is a Member of a group, the Group

Member must sign the request form as consent.
If the applicant is an Associate Member, their sponsoring Principal Member
must countersign the request form as consent.
If the BIN is to be shared or used for Centralised Card Issuance of Visa
Corporate Cards or Visa Purchasing Cards, the BIN Licensee must sign the
request form as confirmation that the request is authorised by the institution
to which the BIN is licensed.

A-103
BIN Exhibit 4A
Exhibit 4A
BIN License Agreement Form

Please complete this form in black ink. One BIN or account range per product per form.
1. TYPE OF REQUEST
Establish new BIN
Modify existing BIN or account range
Establish shared relationship
(between partners with an existing Visa sponsorship relationship and a banking group relationship)
Establish new BIN with multiple products

Centralized Card Issuance of Visa Corporate Cards and Visa Purchasing Cards to Multinational Companies
(If the institution is a Member of a group, is a sponsored Associate Member, or is sharing the BIN, written approval of the Group Member,
sponsoring Principal Member or shared BIN licensee is required as applicable.)
2. APPLICANT DATA
Business ID
Legal Name:
Legal Address:
City:
State/ Province:
Postal Code:
Country:
Complete the following if the confirmation letter should be mailed to an address other than the legal address.
Business Name:
Mailing Address:
City:
State/ Province:
Postal Code:
Country:
NOTE: If the country of use differs from the legal location country, and the BIN is being used for Centralized Card Issuance of Visa Corporate Cards and
Visa Purchasing Cards to Multinational Companies, you must complete section 5 of this form: CENTRALIZED CARD ISSUANCE OF VISA CORPORATE
CARDS AND VISA PURCHASING CARDS TO MULTINATIONAL COMPANIES.
3. MODIFY EXISTING BIN OR EXISTING ACCOUNT RANGE

BIN:
Effective Date of Change:

Account Range Number Low:
Account Range Number High:
Description of Change:
NOTE: Complete the BIN USAGE section of this form to designate the product types to be assigned to the BIN or account range.
A-104

15 May 2013
BIN Exhibit 4A
BIN License Agreement Form (Continued)

4. ESTABLISH SHARED USE
BIN:
User Business ID:
Licensee Business ID:
Issuing Account Range #
Low:
High:
Acquiring
NOTE: BIN licensee must approve the shared relationship in the DECLARATION section of this form.
5. CENTRALIZED CARD ISSUANCE OF VISA CORPORATE CARDS AND VISA PURCHASING CARDS TO
MULTINATIONAL COMPANIES
BIN:
Licensee Business ID:
Issuing Account Range #
Low:
High:
Country of Use:
Billing Currency:
NOTE: BIN licensee must approve the cross-border relationship in the DECLARATION section of this form.
6. BIN USAGE
Issuing
Country of Issuance:
Program (Access Type):
Credit (attracts credit interchange rate)
Debit
Immediate (attracts debit interchange rate) (VE only)
Deferred (attracts credit interchange rate) (VE only)
Other (specify)
Prepaid - always immediate debit

Prepaid category (required)
Visa Product:
To request multiple products on the same BIN, complete a copy of this section BIN USAGE for each product and indicate the account
range.
List the Account Range #: Low:
High:
Consumer:
Classic
Gold
Platinum
Commercial:
V PAY
Business
(immediate debit only)
Electron
Infinite
Corporate
Electron
Silver
Silver
Gold
Gold
Platinum
Purchasing
Platinum
15 May 2013

A-105
BIN Exhibit 4A

Issuing (continued)
Visa Brand Mark Product Extension (not applicable for Electron or V PAY):
Embossed Visa Card with Online Authorization Service Code (X2X)
Unembossed Visa Card with Online Authorization Service Code (X2X)
Embossed Visa Card with normal Authorization Service Code (X0X)
Unembossed Visa Card with normal Authorization Service Code (X0X)
If using a discrete account range in an existing BIN, please list the BIN and account range:
BIN:
Account Range # Low:
High:
Acceptance Marks (if applicable):
Issuance:
PLUS
Valid in all countries
Other (specify)
Domestic use only

Other (specify)
Affinity/Co-brand Programs: - please also refer to the Visa Europe co-brand forms for individual partner agreements.
Affinity Program Name:
Co-brand Program Name:
Account Range # Low:
High:
Card Account Length:
16-digit
Other
19-digit
Acquiring
Merchant
ATM (PLUS)
POS
Cash Disbursement (only)
International Airline Program
Processing
Processes Clearing and Settlement
Process Authorizations
Centre Information Block (CIB)
Other (specify)
Other Usage
(Cannot be combined with any other usage; must have unique BIN)
Other
Private Label
Proprietary ATM
A-106

15 May 2013
BIN Exhibit 4A

7. DECLARATION
In signing this agreement, we acknowledge and accept full responsibility for any and all activities associated with the use of this BIN
and warrant its usage in conformance with the Visa Inc Operating Regulations for Customers of Visa Inc and Visa Europe Operating
Regulations for Members of Visa Europe.
Signature:
Date of Request:
Name of Authorised Signatory:

(Print or type)
Title:
(Must be an officer of the institution)
Telephone Number:
E-mail Address:
Counter-signature (if applicable):

This section must be completed if a Group Member, sponsoring Principal Member or shared BIN licensee has a formal relationship with
the applicant. Please specify your institution's relationship to the applicant:
Group Member
sponsoring Principal Member
shared BIN licensee
Legal Name:
Signature:
Date of Request:
Name of Authorised Signatory:

(Print or type)
(Must be an officer of the institution)
Title:
E-mail Address:
Telephone Number:
Please send the completed form to: visaeuropemembership@visa.com

BIN:
Analyst:
15 May 2013
Date:
Auditor:

A-107
BIN Exhibit 4B
Exhibit 4B
Change of BIN Licensee / User Instructions

This form enables institutions to change the BIN Licensee or Account Range User and also return
account ranges to the BIN Licensee for any given BIN(s). This form must be completed according to the
definitions below and signed by an officer of the institution. Return the signed original to Visa Europe
to ensure proper processing. If you have any questions about completing this form, please contact your
Visa Europe.
BINs
The unique BIN (Bank Identification Number) assigned to Members by Visa

Europe for the issuance of Cards, the acquiring of Transaction Receipts, or the
processing of Transactions.
Account Ranges
The range of the BIN assigned to the BIN user by its BIN Licensee. If applicable,
identify the account range that is associated with the BINs listed above.
1. Current BIN Licensee/Current Account Range User

Indicate whether the institution is the BIN Licensee (the Member with responsibility for all
Transactions processed using the BIN), or the Account Range User (the Member sharing the
designated account range within the BIN).
Business ID
A unique eight digit identifier assigned to all Members by Visa Europe at the
corporation or charter level.
Legal Name
The legal name of the institution in which you are incorporated or chartered. If
your organisation is known locally or nationally by another name, please do
not list that name.
Legal Address
The location of the institution where the institution is incorporated or

chartered.
Confirmation of BIN/Account Range Release

Check the one box which best describes the transfer that is being requested by your institution.
A-108
Effective Date
The date that liability for the new BINs transfers to the new BIN Licensee.
Reason Codes
The code that indicates the reason for the BIN release request. Please list all
reason codes that apply.
D (Discontinuing)
Our institution is discontinuing our membership of Visa Europe.
M (Merger)
Our institution is merging with another institution. Please list the registered
name of the other institutions involved in the merger.
C (Closed)
Our institution has been closed by the government.
S (Portfolio Sale)
Our institution is selling its entire Visa Europe portfolio. Please indicate the
registered name of the institution that is purchasing the portfolio under
Explanation. The Visa Interchange Directory Update Form (Exhibit 4F) is
required for all portfolio sales. In the event of a partial portfolio sale, list the
details in Explanation.
N (None)
Reasons listed above are not applicable. Please list details under
Explanation.
Explanation
Use this area for detailed explanations that will assist in the proper completion
and processing of the form. For example, the name of the institution involved
in a merger or portfolio sale, or what portion was sold in the event of a partial
portfolio sale.
Signature of the Current BIN

Licensee
The signature must be the original signature of an officer of the institution

requesting the change. By signing this form, the institution releases full
responsibility and liability for all Transactions through the BINs.

15 May 2013
BIN Exhibit 4B
2. Consent of BIN Licensee/Proposed BIN Licensee

Business ID
A unique eight digit identifier assigned by Visa Europe to all Members at the
Legal Name
your organisation is known locally or nationally by another name, please do
not list that name.
Legal Address
The legal location of the institution where the institution is incorporated or

chartered.
Confirmation of Acceptance
Check the box that is applicable to the transfer and responsibility being
accepted by the institution.
Signature
The signature must be an original signature of an officer of the institution that

has licensed the BIN, consenting to the change in BIN user. By signing this
form, the institution accepts full responsibility and liability for all Transactions
identified by the account range which are generated by the proposed BIN user.
3. Proposed BIN User Data

Business ID
A unique eight digit identifier assigned by Visa Europe to all Members at the
Legal Name
your organization is known locally or nationally by another name, please do
not list that name.
Legal Address
The location of the institution where the institution is incorporated or

chartered.
Confirmation of Proposed BIN User

Signature
The signature must be the original signature of an officer of the institution

requesting the change. By signing this form, the institution accepts full
responsibility and liability for all Transactions through the Account range.
Please return the completed original form to Visa Europe.
15 May 2013

A-109
BIN Exhibit 4B
Exhibit 4B
Change of BIN Licensee / User Form
Please type or print this form in black ink.
BINs
Account Range(s)
-
(Please attach a separate sheet if necessary.)
1. CURRENT BIN LICENSEE/CURRENT ACCOUNT RANGE USER

Please check one:
Licensee
User (BIN sharing relationship or Group

Member user)
Business ID:
Legal Name of Current BIN Licensee/Account Range User:

Legal Address:
City:
State/Province:
Postal Code:
Country:
CONFIRMATION OF BIN/ACCOUNT RANGE RELEASE

With respect to the BIN(s)/Account Range(s) noted above, the BIN Licensee/user hereby notifies Visa Europe that the
undersigned BIN Licensee/user no longer requires the BIN(s)/Account Range(s) and requests that they be: (check one)
a)
Transferred to the institution identified below
b)
Returned to the BIN Licensee identified below
c)
Transferred to the Proposed User identified in Section 3 of this Exihibit
We request that Visa Europe mark its records to reflect this change effective (DD/MM/YY)
REASON CODE(S):
(See instructions.)
Explanation:
A-110
Name of Officer:
Title:
Signature:
Date:
Telephone Number:
E-mail Address:

15 May 2013
BIN Exhibit 4B
Change of BIN Licensee / User Form (Continued)

2. CONSENT OF BIN LICENSEE/PROPOSED BIN LICENSEE
Business ID:
Legal Name of Proposed BIN Licensee:

Legal Address:
City:
State/Province:
Postal Code:
Country:
Click here if you are a subsidiary, affiliate or branch of a U.S. Member.

CONFIRMATION OF ACCEPTANCE
Our institution has entered into a written agreement with the Member identified above and wishes to:
(check one)
Accept the transfer of the BIN(s) stated above and assume full responsibility and liability for all Transactions
a)
through the BIN(s) with the effective date listed above
Accept the returned Account Range(s) stated above from the Account Range User and assume full responsiiblity
b)
and liability for all Transactions through the BIN Account Range(s) with the effective date listed above
c)
Accept the transfer of the BIN/Account Range(s) to the proposed BIN User identified in Section 3
Name of Officer:
Title:
Signature:
Date:
Telephone Number:
E-mail Address:
Date:
Analyst:
Auditor:
3. PROPOSED BIN USER DATA

With respect to the BIN(s)/Account Range(s) previously noted, the BIN Licensee hereby consents to the transfer of the Account
Range(s) to the proposed BIN User identified within this section.
Business ID:
Legal Name of Proposed BIN User:
Legal Address:
City:
State/Province:
Postal Code:
Country:
CONFIRMATION OF PROPOSED BIN USER

Our institution has entered into a written agreement with the Licensee identified within Section 2 and wishes to assume full
responsibility and liability for all Transactions through the BIN Account Range(s) identified, effective on the date listed above.
Name of Officer:
Title:
Signature:
Date:
Telephone Number:
E-mail address:
4. THIS FORM CANNOT BE PROCESSED WITHOUT ORIGINAL AUTHORIZED SIGNATURES

Please send the completed form to Visa Europe.
15 May 2013

A-111
BIN Exhibit 4D
Exhibit 4D
Member Portfolio Sale Notification

To be completed by Members selling and purchasing Card and/or Merchant portfolios, as specified in Volume I - General
Rules, Section 1.8.C and Section 19.A. Please submit separate forms for each sale or purchase.
Selling Member's Registered Name:
Business ID
Registered Address:
City, State/Province, Postal Code, Country:
Name of Holding Company Affiliation:
Visa Europe Membership class:
Principal
Associate
Participant
Purchasing Institution's Registered Name:

Business ID
Registered Address:
City, State/Province, Postal Code, Country:
Visa Europe Membership class:
Principal
Associate
Participant
Non-Member
Program Description
Program Type
BINs
Number of Accounts
US $ Outstanding
(000's)
Effective Date
Classic Credit
Gold/Premier Credit
Infinite
Business Credit
Corporate Credit
Purchasing Credit
Visa Electron Credit
Classic Credit
(N/A)
Gold Debit
(N/A)
Delta
(N/A)
Business Debit
(N/A)
Corporate Debit
(N/A)
Purchasing Debit
(N/A)
Visa Electron Debit

Merchant
(N/A)
List any additional BINs in a separate attachment. Also, if the Card portfolio that is being transferred consists of partial BINs,
enclose the associated Account Number range details separately.
Update/Changes requested by:
Institution:
Contact Name:
Phone Number:
Contact Title:
Fax Number:
Note: Financial liability for Transactions processed under the BINs of the selling institution remain with the seller unless and until a
properly executed Change of BIN Licensee / User Instructions (Exhibit 4B) has been completed and acknowledged by Visa Europe.
A-112

15 May 2013
BIN Exhibit 4E
Exhibit 4E
Release of BIN Form Instructions

This form enables institutions to release BINs to Visa Europe, or to request cancellation of a previouslyrequested BIN release. Complete this form according to the definitions below. This form must be signed
by an officer of the institution and returned to Visa Europe to ensure proper processing. If you have any
questions about completing this form, please contact Visa Europe.
BINs used for issuing purposes that are placed into recall will be blocked in the Visa Europe
Authorization Service and the V.I.P. System resulting in all Cardholder Authorization Requests being
denied. This does not apply to the Visa Europe Clearing and Settlement Service or BASE II nor to the
Visa Europe Authorization Service or the V.I.P. System Merchant acquiring traffic. This action will take
place 30 calendar days after the last Card expiry date, the last Card used for Merchant Processing, or
any other processing. If you do not want this action to occur, please contact Visa Europe.
Acceptance of this release will not result in immediate deletion of the BIN(s) from the Visa System.
Each BIN is eligible for deletion from the Visa System six (6) calendar months after:
The expiry date of the last Card issued on that BIN;
All processing activity has ceased; and
All acquiring activity has ceased.

Visa Europe may, at its discretion, consider other evidence to indicate that all Cards issued on the
BIN(s) have been withdrawn from the market. Visa Europe will contact you prior to the onset of the
deletion. Your institutions liability for the BIN will not cease until the deletion from the Visa System
occurs.
You must send a copy of this form to your Visa System Processor to advise them of your action
regarding the BIN(s).
BIN Boxes
BIN(s)
List individual BIN(s) or indicate a range of BINs in the boxes provided. If multiple
BIN ranges are involved, attach a list of the BIN ranges.
1. BIN Licensee Data

Business ID
The unique eight digit identifier assigned by Visa Europe to all Members at the
Legal Name
The legal name of the institution in which you are incorporated or chartered. It
must be identical to the name in Visa Europe membership records. If your
organisation is known locally or nationally by another name, please do not list
that name.
Legal Address
The location of the institution (that is, where it is incorporated or chartered).
2. Confirmation of Registered BIN Licensee
15 May 2013
Issuing
Identifies when the last Card expires under each BIN. If there is more than one
BIN, write the corresponding expiry dates under Other/Explanation.
Acquiring
Identifies the last date used for Merchant processing under each BIN. If there
is more than one BIN, write the corresponding expiry dates under Other/
Explanation.
Processing
Identifies the last date used for Clearing, Settlement, Retrieval Request,
Chargeback, Representment, fraud reporting, report distribution, Exception
File updates, PIN Verification Service, or any other processing under each BIN.
If there is more than one BIN, write the corresponding services and cessation
dates under Other/Explanation.
BIN Never Used
Check this box if the BIN was never used.
Reason for Release of BIN
The reason for the BIN release request. Please list all that apply.

A-113
BIN Exhibit 4E
Merger
Our institution is merging with another institution. Please list the registered
name of the other institutions involved in the merger.
Government Intervention
Our institution has been closed by the government.
Portfolio Sale
Our institution is selling its entire Visa Europe portfolio. Please indicate the
registered name of the institution that is purchasing the portfolio under
Explanation. In the event of a partial portfolio sale, list the details in
Explanation.
None
Reasons listed above are not applicable. Please list details under Explanation.
Voluntary Withdrawal
We are discontinuing our membership of Visa Europe.
Other/Explanation
If Cards were mass-reissued under another BIN due to a conversion, merger,

portfolio sale or government intervention, state the date of re-issuance by the
current licensee. Use this area for detailed explanations that will assist in the
proper completion and processing of the form (for example, the name of the
institution involved in a merger or portfolio sale). List any other scenarios or
details not covered by the preceding descriptions. If more space is required,
please provide an attachment.
3. Reversal of Previous Release

Signature
Check this box to reverse a previously submitted Release of BIN request.
A-114

15 May 2013
BIN Exhibit 4E
Exhibit 4E
Release of BIN Form

Please type or print this form in black ink.
A copy of this form must be sent to your Visa System Processor to advise them of your action regarding
the BIN.
BINs
1. BIN LICENSEE DATA

Business ID:
Legal Name of BIN Licensee:
Legal Address:
City:
State/Province:
Postal Code:
Country:
2. CONFIRMATION OF REGISTERED BIN LICENSEE

Our institution has determined that the BIN(s) identified above are not required and will not be used in any manner.
Therefore, our institution authorizes Visa Europe to recall the BIN(s) and we understand that each BIN may be reassigned
to another Member. Each BIN is eligible for deletion from the Visa System six (6) calendar months after: the expiry date of
the last Card issued on that BIN; all processing activity has ceased; and all acquiring activity has ceased. Visa Europe
may, at its discretion, consider other evidence to indicate that all Cards issued on the BIN(s) have been withdrawn from the
market. Acceptance of this release will not result in the immediate deletion of the BIN(s) from the Visa System. Our
institution's liability for the BIN(s) will not cease until deletion from the Visa System occurs.
BIN(s) used for issuing purposes that are placed into recall will be blocked in the Visa Europe Authorization Service and
the V.I.P. System resulting in the denial of all Cardholder Authorization Requests. This does not apply to the Visa Europe
Clearing and Settlement Service or BASE II, nor to V.I.P. System Merchant acquiring traffic.
BIN used for: (Please check all that apply)
Issuing: Last Card Expiry Date
Acquiring: Last Date used for Merchant Processing
Processing: Last date used for Clearing, Settlement, Request for Copy, Issuer's Clearinghouse, Dispute Resolution,
Fraud Reporting, Bankruptcy Notification, Report Distribution, Exception File Storage, PIN Verification
Service, or any other processing
BIN was never used
15 May 2013

A-115
BIN Exhibit 4E
Release of BIN Form (Continued)

Reason for Release of BIN:
Merger
Government Intervention
Portfolio Sale
None
Voluntary Withdrawal
Withdrawal from the Market
Other (Complete explanation below)

If Cards were mass-reissued under another BIN, state BIN and date of reissuance in the explanation below.
Explanation:
By signing this form, the Member and its respective Visa System Processors relinquish all rights to the use of the BIN
identified above for any purpose.
3. REVERSAL OF PREVIOUS RELEASE
Our institution has determined that the BIN(s) identified above is required. This exhibit rescinds the Release of
BIN Form (Exhibit 4E) previously submitted for the above BIN(s).
Name of Officer:
Title:
Signature:
Date:
Telephone Number:
E-mail Address:
Group Member/BIN Licensee Signature:

(For shared or group relationship only)
Date:
Title:
Telephone Number:
E-mail Address:
FORM CANNOT BE PROCESSED WITHOUT ORIGINAL AUTHORIZED SIGNATURES.

Please send the orginal form to Visa Europe.
A-116
Date:
Recall Date:
Analyst:
Auditor:

15 May 2013
BIN Exhibit 4F
Exhibit 4F
Visa Interchange Directory Update Form Instructions

Use this form to submit changes to the information contained in the Visa Interchange Directory. The Visa
Europe Operating Regulations specifies that Members and Processors with BINs must maintain their
Visa Interchange Directory listings with current information. All new Members and Processors must
complete and submit a Visa Interchange Directory Update Form at least 30 calendar days prior to issuing
Cards and/or entering Merchant Deposits into Interchange. The Visa Interchange Directory is published
bi-monthly in paper format and monthly in electronic format. All updates received by the Membership
department before the cutoff date printed on the cover of the publication will be included in the
following edition.
Visa Interchange Directory Update Forms that reflect changes in the BIN Licensee name must be
supported by a current Change of BIN Licensee / User Instructions (Exhibit 4B) on file with the
membership department. Visa Interchange Directory Update Forms reflecting changes that do not
correspond to the current Change of BIN Licensee / User Instructions (Exhibit 4B) on file cannot be
processed.
In order to accommodate international calls, all Members are required to provide a direct-dial
telephone number for each defined category (such as Authorization, Settlement/Accounting, and so
on). Additionally, Visa Europe will not support individual persons names to facilitate the maintenance
of the information.
The new Visa Interchange Directory has been restructured to identify those third-party organizations
that provide back room operations support to Visa Members. A service provider field has been included
with each functional contact to identify these institutions. Members that provide their own support
services for any given function must put their own institutions name in the service provider field.
When completing this form, if the information supplied for a specific functional category will be used
for multiple categories (for example, if back room operations information for Cardholder and Merchant
contacts are the same) there is no need to furnish the information more than one time. Complete the
contact information for the first functional category and indicate same as in each additional category
where the information should be duplicated.
General
15 May 2013
Business ID (BID)
The unique eight digit identifier assigned by Visa Europe to all Member/
Processor businesses at the corporation level. Each Member's information will
be identified by this number.
BIN
The BIN is a unique six digit number assigned by Visa Europe to Members or
Processors for Authorization, Clearing and Settlement processing. For
purposes of the Visa Interchange Directory, every BIN associated with each
Business ID will be identified by Visa Europe and inserted systematically into
the publication. If any information concerning the BIN Licensee is incorrect,
the BIN can be transferred to the correct Member through the submission of a
Change of BIN Licensee / User Instructions (Exhibit 4B).
Institution Name
The registered name of the institution. The registered name represents the
legal name by which the institution is incorporated or chartered. The
registered name must be identical to that in Visa Europe membership records.
If your organization is known locally or nationally by another name, do not list
that name here.
Registered Address
The registered location of the institution. This location is listed on each charter
and must be identical to that in Visa Europe membership records.

A-117
BIN Exhibit 4F
Time Zone
This time zone will be used to define a Members standard time zone based
upon the actual location of the Members processing/operations Centre. This
will enable a Member to determine the best time to contact another Member
or service provider.
GMT (Greenwich Mean

Time)
The relationship of Greenwich Mean Time to the processing/operation

Centre's standard time zone. This should be written in plus (+) or minus (-)
hours.
Authorization
Service Provider/Financial
Institution
The name, address, telephone, fax, email, telex number and answerback (if
appropriate) of the institution performing Authorization services for this
Business ID.
Referral Phone Number
Telephone, fax, email, telex number and answerback (if appropriate) for a
Referral Response (call-me). Acquirers use these numbers in response to
call-mes issued by the Issuing Centre.
Name and Address

Verification (AVS)
The telephone, fax, email, telex number and answerback (if appropriate) of the
institution performing Authorization services for this Business ID.
General Authorization
Questions
On occasion, Members may require assistance for other than referral calls, for
example, to obtain information for Authorization research. Telephone numbers
to support this type of inquiry should appear here.
Hours of Operation
That time of day an Authorization may be obtained directly from the

authorizing Processor or service provider (not to be confused with normal
operating business hours).
GMT (Greenwich Mean

Time)
The relationship of Greenwich Mean Time to the Authorization Centre's

standard time zone. This should be written in plus (+) or minus (-) hours.
Closed
Days/dates that Authorization service is unavailable due to holidays.
Settlement/Accounting
Name, address, telephone, fax, email, telex number and answerback (if
appropriate) of the financial institution or service provider responsible for
Interchange Clearing and Settlement of Transactions.
Backroom Operations - Cardholder/Issuer Contacts
A-118
Copy/Original Contact
Cardholder/Issuer-originated Retrieval Requests.
Chargeback Contact
Cardholder/Issuer-originated Chargebacks.
Arbitration/Compliance
Contact
Cardholder/Issuer-originated pre-Arbitration, Arbitration, pre-Compliance
and Compliance cases.
Good Faith Contact
Cardholder/Issuer-originated good faith collection letters. This contact is
strictly for items that have no other recourse within the Visa Europe Operating
Regulations and is not for Arbitration or Compliance issues.
Good Faith Policy
Dollar amount, time limits and handling fees for incoming Cardholder/Issuer
good faith collection letters. Indicate whether the Cardholder/Issuer
institution will or will not administer a reciprocal policy with other Members.

15 May 2013
BIN Exhibit 4F
Backroom Operations - Merchant/Acquiring

appropriate) of financial institution or service provider responsible for
satisfying Merchant/Acquirer incoming Retrieval Requests.
Chargeback Contact
Merchant/Acquirer-originated Representments.
Arbitration/Compliance
Contact
incoming or outgoing Merchant/Acquirer pre-Arbitration, Arbitration, preCompliance and Compliance cases.
Good Faith Contact
Merchant/Acquirer-originated good faith collection letters. This contact is
strictly for items that have no other recourse within the Visa Europe Operating
Regulations and is not for Arbitration or Compliance issues.
Good Faith Policy
Dollar amount, time limits and handling fees for incoming Merchant/Acquirer
good faith collection letters. Indicate whether the Merchant/Acquirer
institution will or will not administer a reciprocal policy with other Members.
Fraud - Lost/Stolen
Investigations Contact
fraud investigations and fraud-related issues.
After-Hours Contact
If available, an after-hours telephone number for fraud-related inquiries.
Fraud Operations Contact
fraud operations (such as counterfeit claims, fraud charge-offs, fraud-related
Chargebacks, and customer fraud reports).
Lost/Stolen Card Reports
Telephone, fax, email, telex number and answerback (if appropriate) of the
financial institution or service provider responsible for taking Lost/Stolen Card
Reports during normal business hours.
After-Hours Reports
Telephone number of the financial institution or service provider responsible

for taking Lost/Stolen Card Reports after normal business hours and/or on
weekends and business holidays.
Recovered Card/Reward
Address
processing rewards for recovered Cards.
Bank Contact
appropriate) of the financial institution or service provider contact.
Law Enforcement Contact
appropriate) of the law enforcement contact.
General Business Information
15 May 2013
General Cardholder Phone,

Fax, Email, Telex and
Answerback
Provide these numbers as an additional means for Members to contact each

other.
General Merchant Phone,

Fax, Email, Telex and
Answerback
Provide these numbers as an additional means for Members to contact each

other.

A-119
BIN Exhibit 4F
VID/Operations Manager
VID/Operations Manager
A-120
The Visa Interchange Directory (VID)/operations manager is that person

having overall operational responsibility for Visa programs. This person's
name, title, institution name and address, as well as email address, telephone
and fax numbers, should appear here. This position should identify a seniorlevel officer that would be contacted by senior-level staff of other institutions
concerning significant issues outside of day-to-day operations. Included in this
position are the VID Issuing Credit Manager, the VID Issuing Debit Manager
and the VID Acquiring Manager. Accordingly, this information will not be
included with the individual Member/Processor strip but rather in a separate
listing in the Visa Interchange Directory.

15 May 2013
BIN Exhibit 4F
Exhibit 4F
Visa Interchange Directory Update Form

BID#
Business ID:
BIN(s):
Institution Name:
Legal Address:
Time Zone:
City, State/Country and Postal Code:
GMT:
AUTHORIZATION
Service Provider
Service Provider/Financial Institution:
Address:
Phone (toll-free):
Email:
Phone (direct-dial):
Telex:
Facsimile:
Answerback:
Referral Phone Number

Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
Name and Address Verification (AVS)

Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
General Authorization Questions

Phone (direct-dial)
Hours of Operation
M-F:
Time Zone:
SAT:
GMT:
SUN:
Closed:
SETTLEMENT/ACCOUNTING
Address:
15 May 2013
Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:

A-121
BIN Exhibit 4F
Visa Interchange Directory Update Form (Continued)

CARDHOLDER/ISSUER CONTACTS
Address:
Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
Chargeback Contact

Address:
Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
Arbitration/Compliance Contact

Address:
Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
Good Faith Contact

Address:
Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
Good Faith Policy
No older than
Reciprocal policy:
A-122
months and/or no less than US $

Yes
Handling fee: US $
or
%.
No

15 May 2013
BIN Exhibit 4F

MERCHANT/ACQUIRER CONTACTS
Address:
Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
Chargeback Contact

Address:
Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
Arbitration/Compliance Contact

Address:
Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
Good Faith Contact

Address:
Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
Good Faith Policy
No older than
Reciprocal policy:
15 May 2013
months and/or no less than US $

Yes
Handling fee: US $
or
%.
No

A-123
BIN Exhibit 4F

FRAUD - LOST/STOLEN
Investigations Contact
Address:
Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
After Hour Contact Phone (direct dial):
Fraud Operations Contact

Address:
Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
After Hour Contact Phone (direct dial):
Lost/Stolen Card Reports

Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
After Hours Reports

Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
Recovered Card/Reward Address

Address:
Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
Bank Contact
Address:
A-124
Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:

15 May 2013
BIN Exhibit 4F

FRAUD - LOST/STOLEN
Law Enforcement Contact

Address:
Phone (toll-free):
Email:
Telex:
Facsimile:
Answerback:
General Business Information

Cardholder Phone::
Facsimile:
Email:
Telex:
Merchant Phone:
Facsimile:
Email:
Telex:
Answerback:
Answerback:
VID Issuing Credit Manager

Add
Update
Delete
Institution Name:
Mailing Address:
City:
State/Country:
Phone:
Facsimile:
Postal Code:
VID Issuing Debit Manager

Add
Update
Delete
Institution Name:
Mailing Address:
City:
State/Country:
Phone:
Facsimile:
Postal Code:
VID Acquiring Manager

Add
Update
Delete
Institution Name:
Mailing Address:
15 May 2013
City:
State/Country:
Phone:
Facsimile:
Postal Code:

A-125
BIN Exhibit 4F

MISCELLANEOUS COMMENTS
SUBMITTED BY
Officer Name (print):
Officer Title:
Officer Signature:
Date:
Phone:
Email:
RETURN TO:
Please send the completed form to Visa Europe
A-126

15 May 2013
BIN Exhibit 4G
Exhibit 4G
Global Customer Assistance Services (GCAS) Card Issuer Information Form

ISSUER INFORMATION
Please print or type.
Check one:
Add information
Change information
Issuer Name:
Visa Europe Issuer BIN:
Live (Effective) Date: MM/DD/YY
Visa Europe Issuer BID:
Co-Branded/Affinity Name(s):
Account Range:
Mailing Address:
Postal Code:
City, State/Province:
Country:
Delete information
Business
Classic
Corporate
Visa Electron
Gold/Premier
Platinum
Infinite
Purchasng
Signature
Busines Electron
Business Platinum
Debit
Credit
CUSTOMER SERVICE CONTACT INFORMATION
LOST/STOLEN CONTACT INFORMATION
For telephone and fax numbers, please indicate country code and
area code, if applicable.
Company Name:
Company Name:
Business Hours of Operation:
Telephone:
Telephone:
Fax:
Fax:
Contact (Title or Dept):
After-hours Contact Information
Telephone:
Telephone:
Fax:
Fax:
GCAS Participant:
Yes
No
If yes, please complete below.
Collect calls accepted?
Yes
No
EMERGENCY SERVICES CONTACT INFORMATION

Emergency Card Authorization
Emergency Cash Authorization
Company Name:
Company Name:
Telephone:
Telephone:
Fax:
Fax:
Telephone:
Telephone:
Fax:
Fax:
CARDHOLDER VERIFICATION DATA/SPECIAL INSTRUCTIONS

Type of Cardholder verification data required for emergency service requests, or any special instructions: MMN, DOB, SSN (by default):.
Form Completed by (Name):
Telephone Number:
Please Forward Completed Form To:

The Visa Global Customer Care Services, Attention: GCCS Data Management
Two Corporate Center, PO BOX 026098, Miami, FL 33102-6099
Email your inquiries and completed forms to: gccsdatamgmt@visa.com. Or, fax to +1 303 967 1004
For additional information, call +1 303 967 1096
15 May 2013

A-127
BIN Exhibit 4I
Exhibit 4I
Stand-In Emergency Services Processing Form

Please print or type.
ACCOUNT INFORMATION
The following active accounts are provided for Stand-in Processing:
Account Number 1:
Expiry Date:
Product Type:
Account Number 2:
Expiry Date:
Product Type:
Account Number 3:
Expiry Date:
Product Type:
Account Number 4:
Expiry Date:
Product Type:
Account Number 5:
Expiry Date:
Product Type:
Please use a separate attachment if additional accounts are required.
MEMBER INFORMATION
Member Name:
BID:
BIN:
First (8) Digits of Account Number:
Co-Branded/Affinity Name(s):
Address:
Name of Person Completing Form:
Telephone Number:
Signature:
Date Form Submitted:
RETURN INFORMATION
Please send the completed form via certified mail to:
The Visa Global Customer Care Services
Attention: GCAS STIP
Two Corporate Center
1004 NW 65th Avenue
Miami, FL 33126 USA
FOR GCCS USE ONLY
Date Form Received:
A-128

15 May 2013
BIN
Exhibit 4J
Emergency Service Location Form VISA 911

ISSUER INFORMATION
Add information
Change information
Delete information
Issuer Name:
Visa Issuer BIN(s):
Address
City/Country
Telephone Number:
PARTICIPATION LOCATION INFORMATION

Please indicate:
Main Office
Effective Date:
Branch Office
Effective Date:
(Please attach a list of all participating branch offices.)

Service Location (Bank Name)
Actual Street Address (Do not include post office box information):
City:
State/Province (if applicable):
Postal Code:
Country:
Contact (Name and/or Title):
PARTICIPATING LOCATION COMMUNICATIONS

Indicate "1" or "2" in the boxes to show the most expeditious means of contact
HEAD OFFICE INFORMATION
Direct to Location
Via Head Office
LOCATION INFORMATION
area code, if applicable. Please indicate the telex answer-back, if applicable. area code, if applicable. Please indicate the telex answer-back, if applicable.
Telephone:
Telephone:
Fax:
Fax:
Telex:
Telex:
HOURS OF OPERATION
Hours of Operation (Using a 24-hour clock, indicate the opening and closing hours for each day of the week)
HEAD OFFICE HOURS OF OPERATION
LOCATION HOURS OF OPERATION
Sunday:
Sunday:
Monday:
Monday:
Tuesday:
Tuesday:
Wednesday:
Wednesday:
Thursday:
Thursday:
Friday:
Friday:
Saturday:
Saturday:
SPECIAL COMMENTS
Include extra hours or special closings, such as holidays and any other pertinent information.
Wheelchair Accessible?
Yes
No
RETURN INFORMATION
The Visa Global Customer Care Services, Attention: GCCS Data Management
Two Corporate Center, PO BOX 026098, Miami, FL 33102-6099
Email your inquiries and completed forms to: gccsdatamgmt@visa.com. Or, fax to +1 303 967 1004
For additional information, call +1 303 967 1096
15 May 2013

A-129
LICENSE/AGREEMENT
LICENSE/AGREEMENT
Exhibit 5A
Exhibit 5B
A-130
Visa System Letter of Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 131

Licensed Software and Designated Computers . . . . . . . . . . . . . . . . . . . . . . . . .A - 132

15 May 2013
LICENSE/AGREEMENT Exhibit 5A
Exhibit 5A
Visa System Letter of Agreement

TO BE OBTAINED FROM ANY NON-MEMBER VISA SYSTEM PROCESSOR OR MERCHANT
DESIRING TO USE VISA SYSTEMS OR TO OBTAIN ANY CONFIDENTIAL INFORMATION RELATING
TO THOSE SYSTEMS
VISA EUROPE
PO Box 39662
London W2 6WH
United Kingdom
ATTENTION:
Agent Compliance
Risk Compliance and Corporate Services
The undersigned desires to furnish Authorization and/or processing services to Members of your organisation in
connection with their bankcard programs, or to employ Authorization or processing services in connection with
its own acceptance of bankcards and other payment instruments. In order to induce you to consent to our use of
one or more of the data processing and communication systems which have been developed by you and to furnish
us with certain proprietary documents, materials and equipment, we agree as follows:
1. Your consent to our use of your systems is subject to our continued compliance with all of the obligations of
Members relating to those systems set forth in the Visa Europe Operating Regulations, manuals, or other written
documentation, as amended from time to time.
2. Our use of your systems is subject to any provision of the Visa Europe Operating Regulations, as amended from
time to time, limiting your responsibility for performance of and your liability for any personal injury, property
damage, or other loss attributable to your systems.
3. We hereby indemnify you and your Members from and against any and all Claims, Liabilities, losses and
expenses arising out of any action at any time taken or omitted to be taken by us in connection with the
services performed by us on behalf of your Members or employed by us on our own behalf including, but not
limited to, Claims, Liabilities, losses and expenses for infringement of trade secrets or property rights of
Members or other third parties, as well as for property damage, bodily injury, or both, incurred at our
Members premises.
4. Your consent to our use of your systems shall terminate, at your option, upon (i) our failure, following 10 days
written notice thereof, to duly observe or perform any of the agreements undertaken by us hereunder, or (ii) at
such time as we no longer are sponsored in writing by a Member of your organisation for the purpose of
utilisation of the systems. Upon termination, we will forthwith deliver to you all documents, materials and
equipment furnished by you to us, including any copies thereof. We also agree that, notwithstanding such
termination, we shall continue to observe the confidential and proprietary nature of the information regarding
your systems which you furnished to us and will not copy, disclose, or use such information for ourselves or
any other person, firm or organisation, except with your prior written consent.
5. We understand that this letter of agreement supersedes any prior agreement which may exist between the
undersigned and you, relating to the use of your systems, and that no change or modification of any of the
terms hereof shall be valid unless set forth in a written instrument, executed by you.
_________________________
(Visa System Processor)
_________________________
(Address)
_________________________
(City, Postal Code)
_________________________
(Country)
Officer Name:
Officer Email:
Officer Telephone Number:
Officer Signature:
Date:
15 May 2013

A-131
LICENSE/AGREEMENT Exhibit 5B
Exhibit 5B
Licensed Software and Designated Computers

Licensed Software
Machine-Readable Code
Provided
Object Only
Designated Computer
Object and
Source
Visa Resolve Online (VROL)
A-132

15 May 2013
Exhibit 7A
Exhibit 7I
Exhibit 7J
Exhibit 7K
15 May 2013
80-Column Cash Disbursement Transaction Receipt . . . . . . . . . . . . . . . . . . .A - 134

Electronic Transaction Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 135
Manual Transaction Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 138
Electronic Commerce Transaction Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 142

A-133
TRANSACTION RECEIPTS Exhibit 7A
Exhibit 7A
80-Column Cash Disbursement Transaction Receipt
BRANCH OR MEMBER NO.
TELLER
PRINTED DIGITS
CASH DISBURSEMENT
DRAFT
CITY
STATE
NOTE: A fee or set-up charge may be added to the

Cardholders account by the Card Issuer subject to the
terms of the Issuers agreement with the Cardholder.
IDENTIFICATION
AMOUNT
DATE
MEMBER COPY
CARDHOLDERS STREET ADDRESS
AUTHORIZATION CODE
CARDHOLDER COPY
TRANSACTION CONFIRMED AND DRAFT ACCEPTED
Cardholder
acknowledges receipt of
TOTAL
CARDHOLDERS SIGNATURE
DATE
AUTHORIZATION CODE
MERCHANT COPY
Cardholder
TOTAL
RETAIN THIS COPY FOR STATEMENT VERIFICATION
DATE
Cardholder
AUTHORIZATION CODE
TOTAL
As substantial variations in local law exist, the example Transaction Receipt shown above is not
appropriate for use by all Members. Before adopting this exhibit for general use, Members should
confirm with their counsel whether the Transaction Receipt is appropriate. Members should also be
certain that the Transaction Receipt operates in imprinters before adopting it for general use.
Formsets must be sequentially numbered, consisting of at least five digits.
Use of the sample formsets is optional. Members may design customised forms, provided that they
contain at least the information shown in the above example.
A-134

15 May 2013
TRANSACTION RECEIPTS Exhibit 7I
Exhibit 7I
Electronic Transaction Receipt

This exhibit specifies the data requirements for Transaction Receipts which are either captured or
delivered by electronic means.
Table A-37 Data Requirements: Face-to-Face Electronic Purchase or Credit Transaction Receipt
Transaction Data Requirements
Merchant name
Merchant city and country (and state/province, if applicable)
Transaction Amount (or credit), indicated in Transaction Currency
Transaction Date (or credit) preparation date
Account Number (all but four digits of the Account Number on the Cardholder copy of the Transaction Receipt
must be truncated, as specified in the Visa Europe Operating Regulations, Volume IGeneral Rules, Section 4.5.C)
Space for Cardholder signature (if required for the Transaction)
Authorization Code, if applicable
Transaction type (purchase or credit)
Dedicated File Name (for a Chip-initiated Transaction or a Proximity Payment)
Application Preferred Name
or
Application Label
(if present on the Card, in accordance with the EMV Integrated Circuit Card Specifications for Payment Systems,
for a Chip-initiated Transaction or a Proximity Payment)
Indication of a Proximity Payment (for a Proximity Payment, in accordance with the Visa Europe Contactless
Terminal Requirements and Implementation Guide) where options include but are not limited to:
Print Visa Contactless on the Transaction Receipt; or
If the Transaction Receipt printer is capable, display an image to indicate a Proximity Payment, which can be
printed in place of, or in addition to, the word Contactless.
Table A-38 Data Requirements: ATM Cash Disbursement or Load Transaction Receipt
ATM or Load Device Acquirer name and/or name of affiliated domestic or regional network
ATM or Load Device street location or location code
ATM or Load Device city and country (and state/province, if applicable)
Transaction Amount indicated in Transaction Currency
Account Number or card number (all but four digits of the Account Number or card number must be
truncated, as specified in the Visa Europe Operating Regulations, Volume IGeneral Rules, Section 4.5.C)
Type of account accessed
Transaction Date
Authorization Code
Transaction type (Cash Disbursement)
or
Application Label
15 May 2013

A-135
Table A-39 Data Requirements: Small Ticket Transaction Receipt1

Merchant name
Total Transaction Amount indicated in Transaction Currency
Transaction Date
Confirmation that Cardholder performed payment using a Visa Card or a Visa Electron Card or a Proximity
Payment Device
1. Effective from 1 January 2013, these are also the data requirements for the Cardholders copy of the Transaction Receipt
that is made available to the Cardholder using electronic means, as specified in Section 5.2.A.5.
Table A-40 Data Requirements: Cardholder-Activated Transaction Receipts

Data Requirements - Transaction Receipts
Account Number
(All but four digits of the Account Number on the Cardholder copy of the Transaction Receipt must be
truncated, as specified in the Visa Europe Operating Regulations, Volume IGeneral Rules, Section 4.5.C)
Merchant name
Terminal location (city and country)
Transaction Date
Identification of Transaction Currency
Transaction type (purchase)
Dedicated File Name (for a Chip-initiated
Transaction or a Proximity Payment)
or
Application Label
(if present on the Card, in accordance with the EMV
Integrated Circuit Card Specifications for Payment
Systems, for a Chip-initiated Transaction or a
Proximity Payment)
Table A-41
Data Requirements: Face-to-Face or Semi-Attended Electronic Purchase or Credit

Transaction Receipt for Visa Europe Transactions

Merchant name
A-136

15 May 2013
Table A-41
Data Requirements: Face-to-Face or Semi-Attended Electronic Purchase or Credit

Transaction Receipt for Visa Europe Transactions (Continued)

Available Balance1
or
Application Label
1. For Prepaid Cards only, as specified in Section 4.1.C.15, Section 5.2.B.11.a and Section 5.2.B.11.b.
Table A-42 Data Requirements: Face-to-Face Cardholder Electronically Delivered Transaction

Receipt
Merchant name
Account Number (all but four digits of the Account Number on the Cardholder copy of the Transaction
Receipt must be truncated, as specified in the Visa Europe Operating Regulations, Volume IGeneral Rules,
Section 4.5.C)
Description of goods and services (if applicable)
Authorization Code (if applicable)
or
Application Label
If the Transaction Receipt printer is capable, display an image to indicate a Proximity Payment, which can
be printed in place of, or in addition to, the word Contactless.
15 May 2013

A-137
TRANSACTION RECEIPTS Exhibit 7J
Exhibit 7J
Manual Transaction Receipt

This exhibit specifies the data requirements for Transaction Receipts which are either captured or
delivered manually.
Table A-43 7J-1, Data Requirements: Manual Transaction Receipt (Retail and Miscellaneous
Merchant Types)
Embossed Card data
Merchant name
Transaction Date
Description of goods or services (optional)
Space for Cardholder signature
Transaction type (purchase)
Table A-44 7J-2, Data Requirements: Manual Transaction Receipt (Hotels Only)
Embossed Card data
Hotel name
Hotel city and country (and state/province, if applicable)
Transaction Date
Space for guest check-in date
Space for guest check-out date
Space for room rate
Space for salespersons initials
Authorization dates, amounts and approval codes (if applicable)
A-138

15 May 2013
Table A-45 7J-3, Data Requirements: Guest Folio (Hotels Only)

Embossed Card data
Hotel name
Hotel city and country (and state/province, if applicable)
Transaction Date
Guest check-in date
Guest check-out date
Room rate and salespersons initials
Authorization dates, amounts and approval codes
Intended length of stay at check-in (optional)
Applicable tax and/or service charge rates (optional)
Computation and procedure for estimating ancillary charges (optional)
Estimated Transaction Amount calculated on check-in date (optional)
Table A-46 7J-4, Data Requirements: Manual Cash Disbursement Transaction Receipt
Embossed Card data
Acquirer or Merchant name
City and country (and state/province, if applicable) of Acquirer or Merchant as
appropriate
Transaction Date
Space for Cardholder identification
Space for clerk signature or identification
Authorization Code
Space for four printed digits above or below Account Number
Transaction type (Cash Disbursement)
or
Application Label
15 May 2013

A-139
Table A-47 7J-5, Data Requirements: Manual Credit Transaction Receipt

Embossed Card data
Merchant name
Merchant location (city and country)
Credit amount indicated in Transaction Currency
Credit preparation date
Description of goods or services returned to Merchant (optional)
Space for Merchant or Cardholder signature (if required for the Transaction)
Transaction type (credit)
or
Application Label
Table A-48 Data Requirements: Handwritten Cardholders Copy of Transaction Receipt

Merchant name
Description of goods and services (if applicable)
Authorization Code (if applicable)
Method of Data Capture (Chip & PIN, magstripe, Proximity Payment or key entered)
A-140

15 May 2013
Table A-49 Data Requirements: Handwritten Small Ticket Transaction Receipt

Merchant name
Total Transaction Amount indicated in Transaction Currency
Transaction Date
Confirmation that Cardholder performed payment using a Visa Card or a Visa Electron Card or a Proximity
Payment Device
15 May 2013

A-141
TRANSACTION RECEIPTS Exhibit 7K
Exhibit 7K
Electronic Commerce Transaction Receipt

This exhibit specifies the data requirements for Electronic Commerce Transaction Receipts.
Table A-50 7K, Data Requirements: Electronic Commerce Purchase or Credit Transaction Receipt
Transaction Data Requirements1
Merchant name2, 3
Merchant online address
Transaction Date (or credit preparation date)
Unique Transaction identification number
Purchaser name
Authorization Code
Description of merchandise/services
Date of each individual purchase (for Aggregated Transactions only)
Amount of each individual purchase (for Aggregated Transactions only)
Return/refund policy (if restricted)
1. See Visa Europe Operating Regulations, Volume IGeneral Rules, Section 5.2.B.4, Section 5.2.B.5 and Section 5.2.B.6 for
additional data requirements.
2. The Merchant name must not be the name of the network provider or other entity unless the Transaction represents
membership service charges or merchandise/services provided by the network provider itself.
3. The name under which the Merchant does business.
A-142

15 May 2013
EMV LIABILITY SHIFT
EMV LIABILITY SHIFT

Exhibit 8A
Exhibit 8B
15 May 2013
Visa Europe EMV Liability Shift Flow Diagram . . . . . . . . . . . . . . . . . . . . . . . . A - 144

Visa Europe EMV Liability Shift Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 146

A-143
EMV LIABILITY SHIFT Exhibit 8A
Exhibit 8A
Visa Europe EMV Liability Shift Flow Diagram

This exhibit comprises a flow diagram that depicts Transaction liability where one or both parties are
EMV-Compliant, to aid understanding and allow Members to model the potential impact of the liability
shift on their Visa portfolio. The diagram should be used in conjunction with the relevant sections in
Chapter 3, "Issuer Requirements", Chapter 4, "Acquirer Requirements" and Chapter 7, "Dispute Resolution".
Exhibit 8B, Visa Europe EMV Liability Shift Summary summarises liability for various Transaction types
and circumstances.
A-144

15 May 2013
EMV LIABILITY SHIFT Exhibit 8A
Acquirer
Liable
Designated Fraud*
Start
No
No
*Currently Counterfeit,
Lost, Stolen and Not
Received Item, Visa
Europe Issuer, Visa
Europe Acquirer
Yes
Yes
Online
Authorized
with full track2
data
Chip
Reading
Device
No
Yes
Acquirer
Liable
Existing Rules
Apply
No
No
Chip Card
Issuer
Liable
Below Floor
Limit
Yes
No
Chip Card
Yes
Yes
Issuer
Liable
Yes
Issuer
Liable
Chip Read
No
Yes
Acquirer
Liable
Yes
Yes
Counterfeit
Txn Auth
By
Issuer
Issuer
Liable
No
No
Counterfeit
Yes
Yes
No
Acquirer
Liable
PIN
Verified
No
Fallback
Indicator Present
PIN
Preferring
CVM
No
No
No
PED
Present
Yes
Yes
Acquirer
Liable
PIN
Preferring
CVM
Issuer
Liable
Yes
No
PIN
Verified
**Where the type of PIN
required by the card differs
from the type of PIN
supported by the terminal
No
Does Device
Meet Visa Europe
PIN Reqs
PIN Type
Mismatch**
Yes
No
Yes
PIN
Preferring
CVM
No
No
Issuer
Liable
Yes
NOTE - in all cases where the

Issuer is denoted as liable,
transaction liability may transfer
from the Issuer to the Acquirer if
correct acceptance procedures
are not followed or the
transaction is not correctly
processed to completion in
accordance with EMV and VIS
Issuer
Liable
Yes
15 May 2013

A-145
EMV LIABILITY SHIFT Exhibit 8B
Exhibit 8B
Visa Europe EMV Liability Shift Summary

Table A-51
Visa Europe EMV Liability Shift Summary

Magnetic Stripe
Chip-Signature Preferring
Chip PIN Preferring
Counterfeit
Lost/
Stolen
Counterfeit
Lost/
Stolen
Counterfeit
Lost/
Stolen
Magnetic Stripe only

Type A
Floor Limit N/A
Ceiling Limit 40
Issuer
Issuer
Acquirer
Issuer
Acquirer
Acquirer

Type B
Floor Limit 0
Ceiling Limit 1001
Issuer
Issuer
Acquirer
Issuer
Acquirer
Acquirer

Type C
Floor Limit 0
Ceiling Limit N/A
Issuer
Issuer
Acquirer
Issuer
Acquirer
Issuer
Chip Type B (offline)

Floor Limit N/A
Ceiling Limit 401
Issuer
Issuer
Issuer
Issuer
Issuer
Acquirer
Chip Type B (online

capable)
Floor Limit 402
Ceiling Limit 100
Issuer
Issuer
Issuer
Issuer
Issuer
Acquirer
Chip Type C
Floor Limit 0 as
POS2
Ceiling Limit N/A
Issuer
Issuer
Issuer
Issuer
Issuer
Issuer
1. Any Transaction undertaken for values over the Ceiling Limit is at Acquirer risk
2. Any unauthorized Transaction undertaken for values over the Floor Limit is at Acquirer risk
A-146

15 May 2013
PROXIMITY PAYMENTS
PROXIMITY PAYMENTS
Exhibit 9A
Exhibit 9B
15 May 2013
Visa Contactless Payment Specification Data Field Descriptions . . . . . . . . A - 148

Visa Mobile Contactless Payment Specification Data Field Descriptions . .A - 149

A-147
PROXIMITY PAYMENTS Exhibit 9A
Exhibit 9A
Visa Contactless Payment Specification Data Field Descriptions

This exhibit specifies the data field requirements for Proximity Payments, as specified in Visa Europe
Operating Regulations, Volume IGeneral Rules, Section 3.3.D.4 and Section 4.8.D.4, and as set out in the
Visa Contactless Payment Specification.
Table A-52 Data Fields used by Proximity Payments Devices
Name
Description
Application Currency
Code
Indicates the currency in which the Transaction Amount is managed according

to the ISO Standard 4217.
Application Program
Identifier (Program ID)
Indicates the Application Program ID of the card application.
Card CVM Limit
For domestic Proximity Payments where this value is exceeded, a Cardholder

Verification Method (CVM) is required by the Proximity Payment Device.
Issuer Country Code
Indicates the country of the Issuer, represented according to the ISO Standard
3166.
VLP Available Funds
A counter that is decremented by the Transaction Amount for qVSDC offline

approval requests.
VLP Funds Limit
Issuer limit for the VLP Available Funds; it is the value to which the VLP
Available Funds is reset.
VLP Reset Threshold
Minimum value to which the VLP Available Funds is allowed to be decremented

before the Proximity Payment Device requests online processing.
VLP Single Transaction

Limit
Maximum amount allowed for a single qVSDC offline Transaction.
Table A-53 Data Fields used by Terminals accepting Proximity Payments
A-148
Name
Description
Reader Contactless Floor

Limit
Indicates the Floor Limit for the Proximity Payment of the reader. If the
Transaction Amount is greater than the Reader Contactless Floor Limit, then
the reader requires online processing for the Transaction.
Reader Contactless
Transaction Limit
Indicates the Proximity Payment limit of the reader.

If the Transaction Amount is greater than or equal to the Reader Contactless
Transaction Limit, then a Proximity Payment is not permitted.
Switching the Transaction over to another interface is permitted.
Reader CVM Required

Limit
Indicates the Cardholder Verification Method (CVM) limit of the reader.

If the Transaction Amount is greater than or equal to the Reader CVM Required
Limit, then the reader requires a CVM for the Proximity Payment.

15 May 2013
PROXIMITY PAYMENTS Exhibit 9B
Exhibit 9B
Visa Mobile Contactless Payment Specification Data Field Descriptions

This exhibit specifies the data field requirements for Proximity Payments performed with Portable
Payment Devices, as specified in Visa Europe Operating Regulations, Volume IGeneral Rules,
Section 3.3.D.4 and Section 4.8.D.4, and as set out in the Visa Mobile Contactless Payment Specification
(VMCPS).
Table A-54 Data Fields used by Portable Payment Devices
15 May 2013
Name
Description
Application Currency
Code
Indicates the currency in which the Transaction Amount is managed according

to the ISO Standard 4217.
Application Program
Identifier (Program ID)
Indicates the Application Program ID of the card application.
Card CVM Limit
For domestic Proximity Payments where this value is exceeded, a Cardholder

Verification Method (CVM) is required by the Proximity Payment Device.
Issuer Country Code
Indicates the country of the Issuer, represented according to the ISO Standard
3166.

A-149
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
Assigned Floor Limit Category Codes
Merchant Data Standards, Listed in Alphabetical Order by Merchant Type
Merchant Data Standards, Listed in Numerical Order of MCC
MERCHANT CATEGORY CODE ASSIGNMENTS

A Merchant Category Code is a four digit number assigned to a Merchant by an Acquirer that
designates the Merchants principal trade, profession or line of business. Merchant Category Codes are
not assigned to track a specific Transaction type or to identify a particular method of processing.
If a Merchant is an Airline, Car Rental Company or Hotel, the Acquirer must assign the specific code
for that Merchant in the 3000 range of codes. If a specific code in the 3000 range is not listed for
a Merchant category, 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.
Because Merchant Category Codes are used for a variety of reporting and risk management purposes,
it is critical that the Acquirer correctly codes this information for each Merchant.
T&E Clarifications
A Merchant that manages the sales, rentals or other uses of time-shares or condominiums must be
assigned Merchant Category Code 7012. When these Merchants operate as full-service lodging
establishments (that is, 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 Cardholders room. If payment is made separately with a V PAY Card at the Pointof-Transaction, the Acquirer must use the appropriate retail Merchant Category Code (such as 5947
for gift shops or 5812 for restaurants).
15 May 2013

B-1
Timeshare Transactions
An Acquirer must assign a Merchant Category Code (MCC) 7012 to each Timeshare Merchant that
operates sales, rentals or other uses not including full service lodging (that is, maid and room service).
The Acquirer must submit the assigned MCC for a Timeshare Merchant with each Authorization
Request and through Visa Europe Clearing and Settlement Service or BASE II.
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) instalments 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
Catalog Merchants (5964)Goods are offered to consumers via paper or electronic catalog. This
Merchant 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 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 identification number are
required.
EXAMPLE:
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)A Merchant sells products using outbound

telemarketing methods. The Merchant initiates contact with prospective buyers via telephone or
mailing (other than a catalog) that instructs the Cardholder to contact the Merchant in an attempt to
generate sales. This classification includes Merchants known as up-sellers. Such Merchants often
solicit Cardholders when they contact call centres to purchase products of other Direct Marketing
Merchants or to request customer service assistance. In all cases, these solicitations are made in a
Card-Absent Environment.
EXAMPLE:
Distributors of cosmetics, health care products, vitamins, timeshare facilities, discount

buying clubs, membership clubs, discount travel clubs, credit card protection/
registration and protection services
Inbound Teleservices Merchants (5967)Audiotext or videotext services accessed by the

Cardholder via fax or telephone. This Merchant Category Code applies to information services as well
as products that may be sold through the service.
EXAMPLE:
Horoscope readings, pay-per-call services, sports scores, stock market quotations
Continuity/Subscription Merchants (5968)Products or services are offered via subscription to a

Cardholder on a continuing (monthly, quarterly) basis
NOTE: Also see Computer Network/Information Services (4816) for services accessed via
computer modem.
B-2

15 May 2013
EXAMPLE:
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).
EXAMPLE:
Theatre 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 (U.S.A. Region only) effected through Mail/Phone Order are not direct marketing
Transactions. Other examples of Mail/Phone Order Transactions that are not direct marketing
Transactions are telephone orders to florists, retail stores, grocery stores and restaurants, which
generally result from advertisements in the telephone directory or in newspapers.
An Acquirer must use the Mail/Phone Order or Electronic Commerce Transaction indicator in the
Authorization message and Clearing Records for all Mail/Phone Order Transactions, regardless of the
assigned Merchant Category Code.
Small Ticket Transaction Merchant Category Codes

A Small Ticket Transaction that is either a Chip-initiated Transaction or a Magnetic Stripe initiated
Transaction may be conducted only by a Merchant assigned one of the Merchant Category Codes
described in Table B-1.
A Small Ticket Transaction that is also a Proximity Payment may be conducted by a Merchant with any
Merchant Category Code.
Table B-1
15 May 2013
Valid Merchant Category Codes (MCC) for Small Ticket Transactions that are Chipinitiated Transactions or Transactions initiated with a Magnetic Stripe
MCC
Description
4111
Local and Suburban Commuter Passenger Transportation, including Ferries
4121
Taxicabs and Limousines
4131
Bus Lines
4784
Tolls and Bridge Fees
5331
Variety Stores
5499
Miscellaneous Food StoresConvenience Stores and Speciality Markets
5812
Eating Places and Restaurants
5814
Fast Food Restaurants
5912
Drug Stores and Pharmacies
5993
Cigar Stores and Stands
5994
News Dealers and Newsstands
7211
Laundry ServicesFamily and Commercial
7216
Dry Cleaners
7338
Quick Copy, Reproduction and Blueprinting Services
7523
Parking Lots, Parking Meters and Garages
7542
Car Washes
7832
Motion Picture Theaters
7841
DVD/Video Tape Rental Stores

B-3
ASSIGNED FLOOR LIMIT CATEGORY CODES

A Floor Limit category code is assigned to each type of Merchant listed in this appendix to assist an
Acquirer in determining the maximum Floor Limit amount associated with each Merchants Merchant
Category Code. The Floor Limit categories are included for informational purposes only.
Table B-2
Floor Limit Category Codes
Merchant Category Code
Floor Limit Category Code
Airlines
Railroads
Car Rental Companies
Hotels
Special Hotels
Restaurants
Special Restaurants
Travel Agencies
All other Merchants
Mail Order/Telephone Order
Automated Dispensing Machines and Self Service Terminals
Cash DisbursementsMembers
Cash Disbursements (Processed as specified in Visa Europe Operating

Regulations, Volume IGeneral Rules, Section 5.4.U)
Travelers cheques or Foreign Currency (Processed as a Cash Disbursement)
Quasi-Cash Transactions
Hospitals
MERCHANT DATA STANDARDS, LISTED IN ALPHABETICAL ORDER

BY MERCHANT TYPE
Table B-3 lists the Merchant Data Standards in alphabetical order of Merchant Type.
NOTE: Merchant Category Codes that are no longer active (and are not to be used for original
Presentments) appear for reference only in the numerical listing.
KEY:
B-4
International Airline Program Participant
Effective 15 April 2011
**
Effective 14 October 2011

15 May 2013
Table B-3
Merchant Data Standards, Listed in Alphabetical Order by Merchant Type
Merchant Type
Required Abbreviation
Floor Limit
Category
Code
MCC
Accounting Services
8931
Advertising Services
7311
Agricultural Co-operatives
0763
Air Conditioning ContractorsSales and

Installation
1711
Air Conditioning Repair Shops
7623
Airlines and Air Carriers, Not Listed

Elsewhere
4511
ADRIA AIRWAYS1
ADRIA AIR
3064
AER LINGUS1
AER LINGUS
3043
AEROCOACH AV
3287
AEROCONTINENTE
AEROCONTINEN
3167
AEROFLOT1
AEROFLOT
3011
AERO ARGENT
3030
AEROLINEAS NICARAGUENSIS
AERONICARAG
3286
AEROMEXICO1
AEROMEXICO
3076
AEROPERU1
AEROPERU
3285
AERO SERVICO CARABOBO
ASC AIRLINE
3263
AERO VIRGIN ISLANDS
AERVIRGINIS
3284
AIR AFRIQUE
AIR AFRIQUE
3083
AIR ALGERIE1
AIR ALGERIE
3021
AIR ARABIA
AIRARABIAAIR
3236
AIR ASTANA
AIR ASTANA
3068
AIR BERLIN
AIR BERLIN
3296
AIR BRITISH COLUMBIA1
AIR BC
3071
AIR CANADA1
AIR CANADA
3009
AIR CHINA1
AIR CHINA
3261
AIR DJIBOUTI
AIR DJIBOUTI
3282
AIR FRANCE1
AIR FRANCE
3007
AIR JAMAICA1
AIR JAMAICA
3280
AIR LANKA
AIR LANKA
3044
AIR LITTORAL S.A.
AIRLITTORAL
3148
AIR MALTA1
AIR MALTA
3028
AIRMAURITIUS
3298
AIR NEW ZEALAND
AIR NZ
3025
AIR PANAMA1
AIR PANAMA
3267
AIR SEYCHELLES1
AIR SEYCH
3266
AERO COACH AVIATION

1
AEROLINEAS ARGENTINAS1
1
AIR MAURITIUS1
1
15 May 2013

B-5
Table B-3
Merchant Data Standards, Listed in Alphabetical Order by Merchant Type (Continued)
Merchant Type
Floor Limit
Category
Code
MCC
AIR ZAIRE
3151
AIR ZIMBABWE
AIR ZIMBABWE
3096
AIR-INDIA1
AIR-INDIA
3020
AIRINTER1
AIRINTER
3065
AIRTRANAIR
3177
ALASKA AIR
3256
ALITALIA1
ALITALIA
3013
ALL NIPPON AIRWAYS1
A.N.A. AIR
3161
ALM1
ALM AIRLINE
3252
ALOHA AIRLINES
ALOHA AIR
3251
AMERICAN AIRLINES1
AMERICAN AIR
3001
AMERICAN TRANS AIR
ATA AIR
3259
ANSETT AIRLINES
ANSETT AIR
3033
ASIANA AIRLINES
ASIANA AIR
3098
AUSTRIAN AIR SERVICE1
AUST AIRSERV
3243
AUSTRIAN AIRLINES1
AUSTRIAN AIR
3051
AVENSA1
AVENSA AIR
3242
AVIACO (SPAIN)
AVIACO AIR
3053
AVIANCA1
AVIANCA
3039
AVIATECA AIR
3241
BAHAMASAIR
3240
BALKAN-BULGARIAN AIRLINES
BALKAN AIR
3041
BAR HARBOR AIRLINES
BARHARBORAIR
3239
BEMIDJI AIR
3238
AIR ZAIRE1
1
AIRTRAN
ALASKA AIRLINES
AVIATECA (GUATEMALA)1
1
BAHAMASAIR
BEMIDJI AIRLINES
BRAATHENS
3106
BRITISH AIRWAYS1
BRITISH AWYS
3005
BRITISH MIDLAND1
BRIT MIDLAND
3111
BROCKWAY AIR
BROCKWAY AIR
3235
BWIA1
BWIA AIRLINE renamed

CARRIBEAN AIR
3234
CANADIAN AIRLINES INTERNATIONAL1
CANADIAN AIR
3171
CAPITOL AIR
CAPITOL AIR
3233
CARNIVAL AIR
3086
CARRIBEAN AIRLINES
CARIBBEAN AIR formerly BWIA

AIRLINE
3234
CATHAY PACIFIC1
CATHAYPACAIR
3099
CAYMAN AIRWAYS1
CAYMANAIR
3228
CEBU PACIFIC AIRLINES1
CEBU_PAC
3072
BRAATHENS S.A.F.E. (NORWAY)
CARNIVAL AIRLINES
1
B-6

15 May 2013
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
CHINA AIRLINES1
CHINA AIRLINE
3078
CHINA EASTERN AIRLINES
CHINEASTAIR
3206
COMAIR
COMAIR
3223
COMMAND AIR
3222
COMPANIA FAUCETT
COMP FAU AIR
3220
CONTINENTAL1
CONTINENTAL
3061
COPA1
COPA AIR
3219
CROATIA AIRLINES1
CROATIA AIR
3088
CROWN AIR
CROWN AIR
3218
CRUZEIRO DO SUL (BRAZIL)1
CRUZEIRO AIR
3046
CSA1
CSA AIRLINE
3217
CUMBERLAND AIRLINES
CUMBERLNDAIR
3216
CYPRUS AIRWAYS1
CYPRUS AIR
3292
DAN AIR SERVICES
DAN AIR
3215
DBA AIRLINES
DBA AIR
3059
DELTA1
DELTA AIR
3058
DOMINICANA
3212
EASYJET
EASY JET AIR
3245
ECUATORIANA1
ECUATORIANA
3293
EGYPTAIR1
EGYPTAIR
3037
EL AL
3032
EMIRATES AIRLINES
EMIRATES
3026
ETHIOPIAN AIRLINES1
ETHIOPIAN AIR
3294
ETIHAD AIRWAYS
ETIHADAIR
3034
EUROFLY AIRLINES
EURO FLY AIR
3003
EVA AIRWAYS CORPORATION
EVA AIR
3084
FRONTIER AIRLINES
FRONTIER AIR
3132
FINNAIR1
FINNAIR
3042
FREEDOM AIR
FREEDOM AIR
3204
GARUDA (INDONESIA)
GARUDA AIR
3103
GERMANWINGS
GRMNWNGSAIR
3019
GO FLY, LTD
GOFLY
3156
GOL AIRLINES
GOL AIR
3247
GOLDEN PACIFIC AIR
GOLDPAC AIR
3203
GULF AIR (BAHRAIN)1
GULF AIR
3040
GUYANA AIRWAYS1
GUYANA AIR
3200
HAPAG-LLOYD EXPRESS AIRLINES
HLX AIR
3062
COMMAND AIRWAYS
1
DOMINICANA1
1
EL AL
15 May 2013

B-7
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
HAVASU AIR
3197
HAWAIIAN AIR
HAWAIIAN AIR
3196
IBERIA1
IBERIA
3102
ICELANDAIR
3050
INDIAN AIRLINES
INDIAN AIR
3193
ISLAND AIRLINES
ISLAND AIR
3191
JAPAN AIRLINES1
JAL AIRLINE
3006
JET AIR
JET AIR
3056
JET BLUE
JETBLUE
3174
JET STAR
JETSTAR AIR
3079
JUGOSLAV AIR1
JUGOSLAV AIR
3190
KENYA AIR
3295
HAVASU AIRLINES
1
ICELANDAIR1
1
KENYA AIRWAYS1
1
KLM AIRLINE
3010
KOREAN AIRLINES
KOREAN AIR
3082
KUWAIT AIRWAYS1
KUWAIT AIR
3038
LAB (BOLIVIA)1
LAB AIR
3055
LACSA AIR
3187
LADECO (CHILE)
LADECO AIR
3054
LAN AIRLINES1
LAN AIR (formerly LANCHILE)
3052
LANCHILE (renamed LANAIR)
3052
LAP AIR
3186
LAV (VENEZUELA)
LAV AIR
3185
LIAT1
LIAT AIRLINE
3184
LOT AIR
3182
LUFTHANSA
LUFTHANSA
3008
LUXAIR1
LUXAIR
3146
MALAYSIAN AIRLINE SYSTEM1
MALAY AIR
3100
MALEV1
MALEV AIR
3181
MALMO AVIATION
MALMO AIR
3213
MESA AIR
MESA AIR
3178
METRO AIRLINES
METRO AIR
3087
METROFLIGHT AIRLINES
METROFLT AIR
3176
MEXICANA
MEXICANA
3023
MIDDLE EAST AIR
MIDEAST AIR
3175
MIDWEST EXPRESS AIRLINES1
MIDWEST EXP
3085
MOUNT COOK
MT COOK AIR
3170
NATIONAIR
NATIONAIR
3172
KLM (ROYAL DUTCH AIRLINES)
LACSA (COSTA RICA)1

1
LANCHILE1
1
LAP (PARAGUAY)
LOT (POLAND)1
1
B-8

15 May 2013
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
NY HELI
3165
NIGERIA AIRWAYS
NIGERIA AIR
3045
NORONTAIR
NORONTAIR
3164
NWA AIR
3060
NORWEGIAN AIR SHUTTLE
NORWEGIANAIR
3211
OLYMPIC AIRWAYS1
OLYMPIC AIR
3031
OMAN AVIATION SERVICES
OMANAIR
3183
PAKISTAN INTERNATIONAL1
PAKISTAN AIR
3024
PAN AMERICAN
PAN AM AIR
3002
PBA
PBA AIRLINE
3159
PHILIPPINE AIRLINES
PHILIPP AIR
3022
PRINCEVILLE
PRINCVLLEAIR
3154
QANTAS
QANTAS AIR
3012
QATAR AIRWAYS
QATAR AIR
3136
RENO AIR, INC.
RENO AIR
3262
ROYAL AIR MAROC1
AIR MAROC
3048
RYANAIR1
RYANAIR
3246
SAETA SOCIAEDAD ECUATORIANOS DE

TRANSPORTES AEREOS
SAETA AIR
3229
SAHSA SERVICIO AEREO DE

HONDURAS
SAHSA AIR
3231
SAN JUAN AIRLINES
SAN JUAN AIR
3145
SAS
SAS
3016
SAUDI ARABIAN AIRLINES
SAUDIA AIR
3014
SCENIC AIRLINES
SCENIC AIR
3143
SIMMONS AIR
3138
SINGAPORE AIRLINES
SINGAPOREAIR
3075
SINGLETON
SINGLETONAIR
3137
SKYWAYS1
SKYWAYS AIR
3226
SN BRUSSELS AIRLINES1
SNBRSSLSAIR
3029
SOUTH AFRICAN AIRWAYS1
SAA AIRWAYS
3017
SOUTHWEST
SOUTHWESTAIR
3066
SPANAIR
SPANAIR
3097
SPIRIT AIR
3260
SUDAN AIRWAYS
SUDAN AIR
3135
SUN WORLD INTERNATIONAL
SUNWORLD AIR
3130
SUNBELT AIRLINES
SUNBELT AIR
3133
SURINAM AIRWAYS1
SURINAM AIR
3129
NEW YORK HELICOPTER

1
NORTHWEST1
1
SIMMONS AIRLINES
1
SPIRIT AIRWAYS1
1
15 May 2013

B-9
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
SWISSINTAIR
3015
TACA INTERNATIONAL
TACA AIR
3127
TALAIR
TALAIR
3126
TAM AIRLINES1
TAM AIR
3248
TAN AIR
3125
TAP (PORTUGAL)
TAP AIR
3035
TAROM ROMANIAN AIR1 TRANSPORT
TAROM AIR
3297
THAI AIRWAYS1
THAI AIRWAYS
3077
THY (TURKEY)1
THY AIRLINE
3047
TOWER AIR
TOWERAIR
3115
TRANS WORLD AIRLINES1
TWA AIRLINE
3004
TRANSAERO1
TRANSAERO
3089
TRANSPORTES AEROS MILITARES

ECUATORIANOS
TAME AIRLINE
3221
TUNIS AIR1
TUNIS AIR
3049
UNI AIRWAYS CORPORATION
UNIAIR
3090
UNITED AIRLINES1
UNITED AIR
3000
U.S. AIRWAYS1
USAIRWAYS
3063
U.S. AIR SHUTTLE
USAIRSHUTL
3254
UTA/INTERAIR
UTA AIRLINE
3027
VALLEY AIRLINES
VALLEY AIR
3118
VANGUARD AIRLINES
VANGUARD AIR
3067
VARIG (BRAZIL)
VARIG
3018
VASP (BRAZIL)1
VASP AIRLINE
3036
VIASA1
VIASA
3117
VIRGIN AMERICA
VIR AMER
3057
VIRGIN ATLANTIC1
VIRGINATLAIR
3144
VIRGIN EXPRESS1
VIRGINEXLAIR
3188
VLM AIRLINES
VLM AIRLINE
3131
WIDEROES FLYVESELSKAP
WIDEROES
3299
WESTJET AITLINES
WESTJETAIR
3180
WINDWARD ISLAND
WINDWRDISAIR
3112
WINGS AIRWAYS
WINGS AIR
3110
ZAMBIA AIR
3094
Airports, Airport Terminals
4582
Alimony
9211
Alterations and Mending, Tailors and

Seamstresses
5697
SWISS INTERNATIONAL AIRLINES1

1
TAN
1
ZAMBIA AIRWAYS
B-10

15 May 2013
Table B-3
Merchant Type
15 May 2013
Floor Limit
Category
Code
MCC
Ambulance Services
4119
Amusement and Recreation Services
7999
Amusement Parks
7996
Antique Reproductions
5937
Antique ShopsSales, Repairs and

Restoration Services
5932
Apartments, Apartment Buildings
7299
Apparel and Accessory

ShopsMiscellaneous
5699
Appliance Rentals
7394
Appliance Repair Shops
7629
Appliance Stores, Not Elsewhere

Classified
5722
Aquariums, Seaquariums, Dolphinariums
7998
ArchitecturalEngineering and Surveying

Services
8911
Armoured Cars
7393
Art and GraphicsCommercial
7333
Art Dealers
5971
Art Galleries
5971
Artists Supply Shops
5970
Athletic ClubsMemberships
7997
Athletic Fields
7941
Attorneys
8111
Auditing Services
8931
Automated Fuel Dispensers
5542
Automobile Associations
8675
Automobile Dealers (New and

Used)Sales, Service, Repairs, Parts and
Leasing
5511
Automobile Dealers (Used Only)
5521
Automobile Parking Lots
7523
Automotive, Aircraft and Farm Equipment

Dealers, Not Elsewhere Classified
5599
Automotive Body Repair Shops
7531
Automotive Dealers
5599
Automotive Paint Shops
7535
Automotive Parts, Accessories Stores
5533
Automotive Service Shops
7538

B-11
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
Automotive Tyre Stores
5532
Awning and Tent Shops
5998
Bail and Bond Payments
9223
Bakeries
5462
Bands
7929
BanksAutomated Cash Disbursements
6011
BanksManual Cash Disbursements
6010
BanksMerchandise and Services
6012
Barber Shops
7230
BarsAlcoholic Beverages
5813
Beauty Shops
7230
Beauty Spas
7298
Beer Stores
5921
Betting, including Lottery Tickets
7995
Bicycle ShopsSales and Service
5940
Billiard and Pool Establishments
7932
Blueprinting Services
7338
Boat Dealers
5551
Boat Rentals and Leases
4457
Books, Periodicals and Newspapers
5192
Book Stores
5942
Bookkeeping Services
8931
Botanical Gardens
7999
Bowling Alleys
7933
Boys Camps
7032
Boys Clothing and Accessories Stores
5611
Bridge Fees
4784
Building Materials Stores
5211
Bus Lines
4131
Business Schools
8244
Business Services, Not Elsewhere

Classified
7399
Buying/Shopping Services, Clubs
7278
Cable and Other Pay Television
4899
Camera and Photographic Supply Stores
5946
B-12

15 May 2013
Table B-3
Merchant Type
15 May 2013
Floor Limit
Category
Code
MCC
Camp Grounds
7033
Camper Dealers
5561
Camps, Boys and Girls
7032
Candy Stores
5441
Car Rental Companies,

Not Listed Below
7512
ACCENT RENT-A-CAR
3374
ACTION AUTO RENTAL
3354
ADVANTAGE RENT-A-CAR
3441
AFFILIATED AUTO RENTAL
3351
AGENCY RENT-A-CAR
3364
AIRWAYS RENT-A-CAR
3361
AJAX RENT-A-CAR
3376
ALAMO RENT-A-CAR
3387
ALLSTATE RENT-A-CAR
3421
ALTRA AUTO RENTAL
3362
AMERICAN INTL RENT-A-CAR
3352
ANSA INTL RENT-A-CAR
3420
AUTOHANSA RENT-A-CAR
3436
AUTO HOST CAR RENTALS
3400
AUTOMATE RENT-A-CAR
3425
AVCAR RENT-A-CAR
3423
AVIS RENT-A-CAR
3389
AVON RENT-A-CAR
3427
A-1 RENT-A-CAR
3412
BROOKS RENT-A-CAR
3353
BUDGET RENT-A-CAR
3366
CAREY RENT-A-CAR
3428
CITE RENT-A-CAR
3437
DOLLAR RENT-A-CAR
3390
ECONO-CAR RENT-A-CAR
3398
ENTERPRISE RENT-A-CAR
3405
EUROP CAR
3381
EUROPE BY CAR
3391
GENERAL RENT-A-CAR
3409
GODFREY NATL RENT-A-CAR
3414
HERTZ
3357

B-13
Table B-3
Merchant Type
B-14
Floor Limit
Category
Code
MCC
HOLIDAY RENT-A-CAR
3368
INSURANCE RENT-A-CAR
3429
INTERENT RENT-A-CAR
3438
KEMWELL GROUP RENT-A-CAR
3394
MAJOR RENT-A-CAR
3430
MERCHANTS RENT-A-CAR
3388
MILLEVILLE RENT-A-CAR
3439
NATIONAL CAR RENTAL
3393
PAYLESS CAR RENTAL
3359
RENT-A-WRECK
3370
REPLACEMENT RENT-A-CAR
3431
RESERVE RENT-A-CAR
3432
SHOWCASE RENTAL CARS
3386
SIXT CAR RENTAL
3355
SNAPPY CAR RENTAL
3360
THRIFTY CAR RENTAL
3395
TILDEN RENT-A-CAR
3396
TRIANGLE RENT-A-CAR
3380
TROPICAL RENT-A-CAR
3385
UGLY DUCKLING RENT-A-CAR
3433
USA RENT-A-CAR
3434
VALUE RENT-A-CAR
3435
Car Washes
7542
Card Shops
5947
Carnivals
7996
Carpentry Contractors
1750
Carpet Cleaning
7217
Casino Gaming Chips
7995
Caterers
5811
Charitable Organisations
8398
Chemicals and Allied Products, Not

Elsewhere Classified
5169
Child Care Services
8351
Child Support
9211
Childrens and Infants Wear Stores
5641
Chiropodists
8049
Chiropractics
8041

15 May 2013
Table B-3
Merchant Type
15 May 2013
Floor Limit
Category
Code
MCC
5993
Circuses
7996
Civic Associations
8641
CleaningLaundry and Garment Services
7210
Cleaning and Maintenance, Janitorial

Services
7349
Clock Repair
7631
Clock Stores
5944
ClothingChildrens and Infants
5641
ClothingFamily
5651
ClothingMens and Boys
5611
ClothingMens and Womens
5691
ClothingMiscellaneous
5699
Clothing RentalCostumes, Formal Wear,

Uniforms
7296
Clothing RepairsReweaving, Mending,

Alterations
5697
ClothingSpeciality Shops
5631
ClothingSports, Riding Apparel
5655
ClothingWomens Ready-To-Wear
5621
Coal Dealers
5983
Cocktail Lounges
5813
Coin Stores
5972
Colleges and Junior Colleges
8220
Commercial Equipment, Not Elsewhere

Classified
5046
Commercial Footwear
5139
Commercial Furniture
5021
Commercial Photography, Art and

Graphics
7333
Commercial Sports
7941
Commuter Transportation
4111
Computers, Computer Peripheral

Equipment, Software
5045
Computer Programming, Integrated

Systems Design and Data Processing
Services
7372
Computer Maintenance and Repair

Services, Not Elsewhere Classified
7379
Computer Network/Information Services
4816

B-15
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
Computer Software Stores
5734
Concrete Work Contractors
1771
Confectionery Stores
5441
Construction Materials, Not Elsewhere

Classified
5039
Consulting Services
7392
Consumer Credit Reporting Agencies
7321
ContractorsResidential Buildings
1520
ContractorsSpecial Trade, Not

1799
Convalescent Homes
8050
Convenience Food Stores
5499
Correspondence Schools
8241
Cosmetic Stores
5977
Costume Rentals
7296
Counselling ServicesDebt, Marriage,

Personal
7277
Country ClubsMemberships
7997
Courier ServicesAir or Ground
4215
Court Costs
9211
Craft Shops
5970
Credit Reporting Agencies
7321
Credit UnionsAutomated Cash

Disbursements
6011
Credit UnionsManual Cash

Disbursements
6010
Credit UnionsMerchandise and Services
6012
Crematoriums
7261
Cruise Lines
4411
Dairy Products Stores
5451
Dance Halls, Studios and Schools
7911
Data Processing Services
7372
Dating Services
7273
Day Care Services
8351
Debt Counselling
7277
DecoratingContractors
1799
Delicatessens
5499
Delivery ServicesLocal
4214
B-16

15 May 2013
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
Demolition Services
1799
Dental Laboratories
8071
Dentists
8021
Department Stores
5311
Detective Agencies and Protective

Services
7393
Diaper Services
7211
Direct MarketingCatalogue Merchants
5964
Direct MarketingCombination
Catalogue and Retail Merchants
5965
Direct MarketingContinuity/
Subscription Merchants
5968
Direct MarketingInbound Teleservices

Merchants
5967
Direct MarketingOutbound
Telemarketing Merchants
5966
Direct MarketingInsurance Services
5960
Direct MarketingDirect Marketers, Not

5969
Direct MarketingTravel-Related
Arrangement Services (Excluding Travel
Agencies)
5962
Discotheques
5813
Discount Stores
5310
Disinfecting Services
7342
Doctors, Not Elsewhere Classified
8011
Door-to-Door Sales
5963
Drapery, Window-covering and

Upholstery Stores
5714
Drugs, Drug Proprietaries and Druggists

Sundries
5122
Drug Stores
5912
Dry Cleaners
7216
Durable Goods, Not Elsewhere Classified
5099
Duty Free Stores
5309
7841
Eating Places
5812
Educational Services, Not Elsewhere

Classified
8299
15 May 2013

B-17
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
Electrical Contractors
1731
Electrical Parts and Equipment
5065
Electrical Repair Shops
7629
Electric Razor StoresSales and Service
5997
Electric Utilities
4900
Electronic Sales
5732
Elementary Schools
8211
Employment Agencies
7361
Engineering, Architectural and Surveying

Services
8911
Entertainers
7929
Equipment Rental and Leasing Services
7394
Equipment Sales
5712
Escort Services
7273
Exterminating Services
7342
Eyeglasses Stores
8043
Fabric and Piece Goods Stores
5949
Family Clothing Stores
5651
5814
Fax Services
4814
Ferries, Local Water Transportation
4111
Financial InstitutionsAutomated Cash

Disbursements
6011
Financial InstitutionsManual Cash

Disbursements
6010
Financial InstitutionsMerchandise and

Services
6012
Fines
9222
Fire Departments
9399
Fireplaces, Fireplace Screens and Fireplace

Accessories Stores
5718
Fireworks Stores
5999
Floor Covering Stores
5713
Florists
5992
Florists Supplies, Nursery Stock and

Flowers
5193
Flying Fields
4582
Food StoresSpeciality
5499
B-18

15 May 2013
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
Foreign CurrencyNon-Financial
Institutions
6051
Formal WearRentals
7296
Fortune Tellers
7996
Fraternal Associations
8641
Freezer and Locker Meat Provisioners
5422
Freight Carriers
4214
Freight Forwarders
4215
Fuel Oil Dealers
5983
Funeral Services
7261
Furniture Rentals
7394
Furniture Repair and Furniture

Upholstering
7641
Furniture, Home Furnishings and

Equipment Stores, Except Appliances
5712
Furriers and Fur Shops
5681
Games Instruction
7999
Games Stores
5945
Garden and Lawn Supply

StoresNurseries
5261
Gasoline Service Stations
5541
Gas Utilities
4900
GCAS Emergency Services

(for Visa use only)
9702
General ContractorsResidential and

Commercial
1520
General Merchandise
5399
Gift Shops
5947
Girls Camps
7032
Glass Stores
5231
Glassware/Crystal Stores
5950
Glasswork Contractors
1799
Golf CoursesMemberships
7997
Golf CoursesPublic
7992
Government Services, Not Elsewhere

Classified
9399
GraphicsCommercial
7333
15 May 2013

B-19
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
Gravestones/Monuments
Sales and Installation
5999
Grocery Stores
5411
Guard Dogs
7393
Hardware Equipment and Supplies
5072
Hardware Stores
5251
Hat Cleaning Shops
7251
Health Spas
7298
Hearing AidsSales, Service and Supply

Stores
5975
Heating ContractorsSales, Service and

Installation
1711
Hobby Shops
5945
Home Furnishing Speciality

StoresMiscellaneous
5719
Home Furnishings and Equipment, Except

Appliances
5712
Home Supply Warehouse Stores
5200
Horticultural Services
0780
Hospitals
8062
Hotels and Lodging, Not Listed Elsewhere
7011
ADAMS MARK HOTELS
3681
ALADDIN RESORT AND CASINO
3560
ALA MOANA HOTEL
3788
ALOFT
3619
AMELIA ISLAND PLANTATION
3754
AMERICANA HOTELS
3517
AMERICAS BEST VALUE INN
3617
AMERICINN
3614
AMERISUITES
3514
AMFAC HOTELS
3536
ANA HOTEL
3537
ARABELLA HOTELS
3511
ARCADE HOTELS
3670
ARCTIA HOTELS
3671
ARIA
3824
ARIZONA BILTMORE
3594
ATLANTIC CITY HILTON RESORTS
3797
B-20

15 May 2013
Table B-3
Merchant Type
15 May 2013
Floor Limit
Category
Code
MCC
AUBERGE DES GOVERNEURS
3549
AUTOGRAPH
3826*
BALLYS HOTEL AND CASINO
3728
BARTON CREEK RESORT
3556
BEAU RIVAGE HOTEL AND CASINO
3764
BELLAGIO
3765
BEST WESTERN HOTELS
3502
BILTMORE HOTELS & SUITES
3743
BINIONS HORSESHOE CLUB
3620
BOCA RATON RESORT - MCC Retired
3733
BRADBURY SUITES
3683
BROADMOOR HOTEL
3727
BUDGET HOST INNS
3684
BUDGETEL INNS
3685
BUFFALO BILLS HOTEL AND CASINO
3712
CAESARS HOTEL AND CASINO
3771
CALIFORNIA HOTEL AND CASINO
3582
CAMPANILE HOTELS
3672
CANDLEWOOD SUITES
3559
CAREFREE RESORTS
3744
CANYON RANCH
3757
CARIBE ROYALE
3821
CARIBE ROYALE RESORTS
3787
CARLTON HOTELS
3716
CHATEAU ELAN WINERY AND RESORT
3763
CIGA HOTELS
3544
CIRCUS CIRCUS HOTEL AND CASINO
3662
CITY LODGE HOTELS
3717
CLARIDGE CASINO HOTEL
3792
CLARION HOTELS
3687
CLIMAT DE FRANCE HOTELS
3677
CLUB MED
3742
CLUBCORP/CLUBRESORTS
3747
COAST HOTELS
3552
COLORADO BELLE/ EDGEWATER

RESORT
3736
COMFORT INNS
3562

B-21
Table B-3
Merchant Type
B-22
Floor Limit
Category
Code
MCC
COMPRI HOTELS
3688
CONCORDE HOTELS
3538
CONSORT HOTELS
3689
COSMOPOLITAN OF LAS VEGAS
3828**
COURTYARD BY MARRIOTT
3690
CP HOTELS
3529
CROWNE PLAZA HOTELS
3750
CUMULUS HOTELS
3678
CUNARD HOTELS
3593
DAN HOTELS
3629
DAYS INNS
3510
DAYSTOP
3510
DE VERE HOTELS
3648
DELTA HOTEL
3581
DILLON INNS
3691
DISNEY RESORTS
3780
DORAL GOLF RESORT
3589
DORAL HOTELS
3587
DORINT HOTELS
3623
DOUBLETREE HOTELS
(Includes GUEST QUARTERS)
3692
DOWNTOWNER-PASSPORT HOTEL
3527
DRURY INNS
3693
DUNFEY HOTELS
3525
ECONO LODGES
3644
ECONOMY INNS OF AMERICA
3694
ELDORADO HOTEL AND CASINO
3669
ELEMENT
3807
EMBASSY HOTELS
3652
EMBASSY SUITES
3695
EMBASSY VACATION RESORT
3798
EXCALIBUR HOTEL AND CASINO
3628
EXEL INNS
3696
EXTENDED STAY
3621
EXTENDED STAY AMERICA
3627
EXTENDED STAY DELUXE
3630
FAIRFIELD HOTELS
3697

15 May 2013
Table B-3
Merchant Type
15 May 2013
Floor Limit
Category
Code
MCC
FAIRFIELD INN
3715
FAIRMONT HOTELS
3590
FIRST HOSPITALITY HOTELS
3784
FLAG INN
3664
FLAG INNS (AUSTRALIA)
3711
FLAMINGO HOTELS
3793
FORTE HOTELS
3505
FORUM HOTELS
3570
FOUR POINTS HOTELS
3778
FOUR SEASONS HOTELS
3543
FOUR SEASONS HOTEL (AUSTRALIA)
3714
FRANKENMURTH BAVARIAN
3578
FREMONT HOTEL AND CASINO
3766
FRIENDSHIP INNS
3507
GALT HOUSE
3827*
GARDEN PLACE HOTEL
3566
GAYLORD OPRYLAND
3608
GAYLORD PALMS
3609
GOLDEN NUGGET
3561
GOLDEN TULIP HOTELS
3506
GRAND CASINO HOTELS
3794
GRAND SIERRA RESORT
3823
GRAND WAILEA RESORT
3571
GREAT WOLF
3618
GREENBRIAR RESORTS
3753
HALE KOA HOTEL
3799
HALEKULANI HOTEL/WAIKIKI PARC
3760
HAMPTON INNS
3665
HARLEY HOTELS
3698
HARRAHS HOTELS AND CASINOS
3731
HARVEY/BRISTOL RESORTS
3734
HELMSLEY HOTELS
3588
HILTON CONRAD
3721
HILTON HOTELS
3504
HILTON INTERNATIONALS
3535
HO JO INN
3638
HOLIDAY INN EXPRESS
3501

B-23
Table B-3
Merchant Type
B-24
Floor Limit
Category
Code
MCC
HOLIDAY INNS
3501
HOMESTEAD SUITES
3800
HOMEWOOD SUITES
3751
HOSPITALITY INTERNATIONAL
3595
HOTEIS OTHAN
3680
HOTEL DEL CORONADO
3580
HOTEL IBIS
3533
HOTEL INDIGO
3813
HOTEL MERCURE
3579
HOTEL OKURA
3541
HOTEL SIERRA
3546
HOTEL UNIVERSALE
3625
HOTELES EL PRESIDENTE
3663
HOTELES MELIA
3548
HOWARD JOHNSON
3638
HUNGAR HOTELS
3585
HUSA HOTELS
3647
HYATT HOTELS
3640
HYATT PLACE
3812
IBEROTEL HOTELS
3540
IBUSZ HOTELS
3673
IMPERIAL LONDON HOTEL
3651
INTER-CONTINENTAL HOTELS
3512
INTER NOR HOTELS
3724
INTERHOTEL CEDOK
3675
JOHN ASCUAGAS NUGGET
3729
JOLLY HOTELS
3558
JOURNEY'S END MOTELS
3563
JUMEIRAH ESSEX HOUSE
3820
KAHALA MANDARIN ORIENTAL HOTEL
3758
KAROS HOTELS
3718
KAUAI COCONUT BEACH RESORT
3531
KNIGHTS INNS
3660
LA MANSION DEL RIO
3701
LA QUINTA MOTOR INNS
3516
LA QUINTA RESORT
3576
LADBROKE HOTELS
3568

15 May 2013
Table B-3
Merchant Type
15 May 2013
Floor Limit
Category
Code
MCC
LADY LUCK HOTEL AND CASINO
3624
LOEWS HOTELS
3654
LUXOR HOTEL AND CASINO
3667
LXR
3808
MAINSTAY SUITES
3818
MAIN STREET STATION HOTEL AND

CASINO
3767
MANDALAY BAY RESORT
3777
MANDARIN ORIENTAL HOTEL
3577
MANHATTEN EAST SUITE HOTEL
3557
MARITIM HOTELS
3668
MARRIOTT
3509
MASTERS ECONOMY INNS
3735
MERIDIEN HOTELS
3520
MERLIN HOTELS
3622
METROPOLE HOTELS
3661
MGM GRAND HOTEL
3730
MICROTEL INNS & SUITES
3613
MIDWAY MOTOR LODGE
3699
MILLENNIUM HOTEL
3741
MIRAGE HOTEL AND CASINO
3551
MIYAKO HOTELS
3572
MONTE CARLO HOTEL AND CASINO
3676
MOTEL 6
3700
MOUNT CHARLOTTE THISTLE
3639
MOEVENPICK HOTELS
3612
NEMACOLIN WOODLANDS
3772
NEVELE GRAND RESORT AND COUNTRY

CLUB
3776
NEW OTANI HOTELS
3658
NEW YORK-NEW YORK HOTEL +

CASINO
3774
NICKELODEON FAMILY SUITES BY

HOLIDAY INN
3815
NOAH'S HOTELS
3603
NOVOTEL HOTELS
3642
OBEROI HOTELS
3657
OHANA HOTELS OF HAWAII
3786

B-25
Table B-3
Merchant Type
B-26
Floor Limit
Category
Code
MCC
OMNI HOTELS
3592
OPRYLAND HOTEL
3732
OTANI HOTELS Renamed NEW OTANI

HOTELS
3658
OUTRIGGER HOTELS AND RESORTS
3785
OXFORD SUITES
3819
PANNONIA HOTELS
3599
PARIS LAS VAGAS HOTEL
3795
PARK INNS INTERNATIONAL
3553
PATRICIA GRAND RESORT HOTELS
3781
PEABODY HOTELS
3752
PENINSULA HOTEL
3523
PENTA HOTELS
3653
PEPPERMILL HOTEL CASINO
3796
PINEHURST RESORT
3554
PREMIER INN
3811
PRIMADONNA HOTEL AND CASINO
3761
PRINCE HOTELS
3526
PRINCESS HOTELS INTERNATIONAL
3584
PROTEA HOTELS
3719
PULLMAN INTERNATIONAL HOTELS
3519
QUALITY INNS
3508
QUALITY SUITES
3508
QUALITY PACIFIC HOTEL
3713
QUEENS MOAT HOUSES
3645
RADISSON HOTELS
3649
RAFFLES HOTELS
3790
RAMADA INNS
3637
RANK HOTELS
3633
RANTASIPI HOTELS
3674
RED LION HOTELS
3528
RED LION INNS
3528
RED ROOF INNS
3650
REGAL 8 INNS
3550
REGENT INTERNATIONAL HOTELS
3598
RELAX INNS
3565
RENAISSANCE HOTELS
3530

15 May 2013
Table B-3
Merchant Type
15 May 2013
Floor Limit
Category
Code
MCC
RESIDENCE INNS
3703
RESO HOTELS
3635
RICA HOTESL
3723
RIO SUITES
3726
RIVERSIDE RESORT HOTLE AND CASINO
3597
RIVIERA HOTEL AND CASINO
3737
RODEWAY INNS
3515
ROSEN HOTELS AND RESORTS
3782
ROYAL HOTELS
3542
ROYAL KONA RESORT
3532
ROYAL LAHAINA RESORT
3521
ROYCE HOTELS
3704
SAJARA HOTEL AND CASINO
3682
SAMS TOWN HOTEL AND CASINO
3564
SANDMAN HOTELS
3573
SANDMAN INNS
3705
SANDS RESORT
3775
SARA HOTELS
3656
SAROVA HOTELS
3636
SAS HOTELS
3583
SCANDIC HOTELS
3655
SEA PINES RESORT
3725
SHANGRI-LA INTERNATIONAL
3545
SHERATON HOTELS
3503
SHILO INNS
3706
SILVER LEGACY HOTEL AND CASINO
3679
SILVER STAR HOTEL AND CASINO
3768
SHONEY'S INNS
3707
SLEEP INN
3631
SMUGGLERS NOTCH RESORT
3789
SOFITEL HOTELS
3641
SOHO GRAND HOTEL
3567
SOKOS HOTELS
3586
SOL HOTELS
3518
SONESTA HOTELS
3591
SOUTH SEAS RESORTS - MCC Retired
3756
SOUTHERN PACIFIC HOTELS
3534

B-27
Table B-3
Merchant Type
B-28
Floor Limit
Category
Code
MCC
SOUTHERN SUN HOTELS
3720
SPRINGHILL SUITES
3770
ST. REGIS HOTEL
3745
STAKIS HOTELS
3666
STAYBRIDGE SUITES
3791
STEIGENBERGER HOTELS
3643
STOUFFER HOTELS
3530
STRATOSPHERE HOTEL AND CASINO
3769
STUDIO PLUS
3626
SUMMERFIELDS SUITES HOTELS
3539
SUPER 8 MOTELS
3709
SUSSE CHALET
3686
SWALLOW HOTELS
3646
SWISSOTEL
3634
TAJ HOTELS INTERNATIONAL
3659
THE BEVERLY HILLS HOTEL
3749
THE ELIOT HOTEL
3746
THE HOMESTEAD
3755
THE ORCHID AT MAUNA LANI
3759
THE PHOENICIAN
3632
THE REGISTRY HOTELS
3702
THE RITZ-CARLTON
3710
THE ROOSEVELT HOTEL NY
3814
THE VENETIAN RESORT HOTEL CASINO
3773
THUNDERBIRD HOTELS
3528
TOKYO HOTEL
3522
TOWN AND COUNTRY RESORT &

CONVENTION CENTRE
3783
TOWNEPLACE SUITES
3740
TRAVELODGE
3615
TREASURE ISLAND HOTEL AND CASINO
3555
TRIBECA GRAND HOTEL
3569
TROPICANA RESORT & CASINO
3738
VAGABOND HOTELS
3575
VDARA
3825
VENTURE INNS
3574
VIRGIN RIVER HOTEL AND CASINO
3708

15 May 2013
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
W HOTELS
3779
WELCOMGROUP HOTELS
3524
WELLESLEY INNS
3748
WESTIN HOTELS
3513
WHISKEY PETES HOTEL AND CASINO
3762
WILDERNESS HOTEL & RESORT
3801
WOODSIDE HOTELS & RESORTS
3739
WYNDHAM HOTELS
3722
WYNN LAS VAGAS
3596
Household Appliance Stores
5722
Ice Dealers
5999
Inbound Teleservices Merchants
5967
Industrial Supplies, Not Elsewhere

Classified
5085
Information Retrieval Services
7375
Insulation Contractors
1740
Insurance Sales, Underwriting and

Premiums
6300
International Automated Referral Service

(for Visa use only)
9700
Intra-Company Purchases
9950
Intra-Government
PurchasesGovernment Only
9405
Janitorial Services
7349
Jewellery Repair
7631
Jewellery Stores
5944
Laboratory, Medical, Dental, Ophthalmic

and Hospital Equipment and Supplies
5047
Labour Unions
8699
Landscaping Services
0780
Launderettes
7211
Laundry, Cleaning and Garment Services
7210
Lawn Supply StoresNurseries
5261
Leather Goods Stores
5948
Legal Services
8111
Limousines
4121
15 May 2013

B-29
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
Liquefied Petroleum Dealers
5983
Liquor Stores
5921
Local/Suburban Commuter Passenger

Transportation, Including Ferries
4111
Luggage Stores
5948
Lumber and Building Materials Stores
5211
Management and Consulting Services
7392
Marinas, Marine Service and Supplies
4468
Marriage Counselling
7277
Masonry, Stonework Contractors
1740
Massage Parlours
7297
Meat Markets
5499
Meat ProvisionersFreezer and Locker
5422
Medical Laboratories
8071
Medical Services and Health Practitioners,

Not Elsewhere Classified
8099
Membership Clubs (Sports, Recreation,

Athletic)
7997
Membership Organisations, Not

8699
Mens and Boys Clothing and Accessories

Stores
5611
Mens, Womens and Childrens Uniforms

and Commercial Clothing
5137
Mens and Womens Clothing Stores
5691
Metal Service Centres and Offices
5051
Miniature Golf and Driving Ranges
7999
Miscellaneous Publishing and Printing
2741
Mobile Home Dealers
5271
Money OrdersNon-Financial Institutions

(not wire transfer)
6051
MonumentsSales and Installation
5999
MotelsLodging
See
Hotels
Motion Pictures and Video Tape

Production and Distribution
7829
Motion Picture Theatres
7832
Motor Freight Carriers
4214
Motor Home Dealers
5592
B-30

15 May 2013
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
Motor Home Rentals
7519
Motor Vehicle Supplies and New Parts
5013
Motorcycle Shops and Dealers
5571
Moving and Storage Companies
4214
Museums
7999
Music Stores, Musical Instruments, Pianos

and Sheet Music
5733
Needlework Stores
5949
5994
Nightclubs
5813
Nondurable Goods, Not Elsewhere

Classified
5199
Non-Financial InstitutionsForeign
Currency, Money Orders (not wire
transfer) and Cheques
6051
Novelty Shops
5947
Numismatic Supplies
5972
NurseriesLawn and Garden Supply

Stores
5261
Nursing and Personal Care Facilities
8050
Nut Stores
5441
Off-Track Betting
7995
Office Furniture
5021
Office, Photographic, Photocopy and

Microfilm Equipment
5044
Office Supply Stores
5943
Ophthalmologists
8042
Opticians, Optical Goods and Eyeglasses
8043
Optometrists
8042
Orchestras
7929
Orthodontists
8021
Orthopaedic Goods, Prosthetic Devices
5976
Osteopaths
8031
Outbound Telemarketing Merchants
5966
5921
P
Package StoresBeer, Wine and Liquor
15 May 2013

B-31
Table B-3
Merchant Type
B-32
Floor Limit
Category
Code
MCC
Package Tour Operators

Germany Only (previously TUI
Reisebuero)
4723
Paint ShopsAutomotive
7535
Paint and Wallpaper Stores
5231
Paints, Varnishes and Supplies
5198
Paper Hanging Contractors
1799
Parking Lots - Renamed Parking Lots,

Parking Meters and Garages
7523
Passenger Railways
4112
Pawn Shops
5933
Personal Counselling
7277
Personal Services, Not Elsewhere

Classified
7299
Petroleum and Petroleum Products
5172
Pet Shops, Pet Foods and Supplies Stores
5995
Pharmacies
5912
Philatelic Supplies
5972
Photocopying Services
7338
Photo finishing Laboratories, Photo

Developing
7395
Photographic Studios
7221
Photographic Supply Stores
5946
Photography Art and

GraphicsCommercial
7333
Physicians
8011
Piece Goods, Notions and Other Dry

Goods
5131
Piece Goods Stores
5949
Plastering Contractors
1740
Plumbing
1711
Plumbing and Heating Equipment and

Supplies
5074
Podiatrists
8049
Political Organisations
8651
Postal ServicesGovernment Only
9402
Precious Stones and Metals, Watches and

Jewellery
5094
Print Shops
7338
Private Golf Courses
7997

15 May 2013
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
Professional Organisations
8699
Professional Schools
8220
Professional Services, Not Elsewhere

Classified
8999
Professional Sports Clubs
7941
Protective Services
7393
Public Relations Services
7392
7338
Race Tracks
7941
Radio Repair Shops
7622
Railroads
4011
Real Estate Agents, Brokers, Managers
7299
Real Estate Agents, Managers - Rentals
6513
Record Shops
5735
Recreational and Utility Trailers
5561
Recreational FacilitiesMiscellaneous
7999
Refrigeration Repair Shops
7623
Religious Goods Stores
5973
Religious Organisations
8661
RentalsAutomobiles
(See Car
Rental
Agencies)
RentalsBoats
4457
RentalsClothing, Costumes, Uniforms
7296
RentalsRecreational Vehicles
7519
RentalsTools, Equipment and Furniture
7394
RentalsTrucks and Trailers
7513
RentalsVideo Tapes
7841
Repair ShopsElectrical and Small

Appliances
7629
Repair Shops and Related

ServicesMiscellaneous
7699
Reproduction Services
7338
ResortsLodging
(See
Hotels)
Restaurants
5812
Q
Quick Copy, Reproduction and
R
15 May 2013

B-33
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
Retail Stores, Not Elsewhere Classified
5999
Re-upholstery
7641
Riding Apparel Stores
5655
RoofingContractors
1761
Salvage Yards
5935
Sanitary Utilities
4900
Savings and LoansAutomated Cash

Disbursements
6011
Savings and LoansManual Cash

Disbursements
6010
Savings and LoansMerchandise and

Services
6012
School Supplies Stores
5943
SchoolsBusiness and Secretarial
8244
SchoolsElementary and Secondary
8211
SchoolsVocational
8249
Schools and Educational Services, Not

8299
Seafood Markets
5499
Seamstresses
5697
Secondary Schools
8211
Secondhand Stores
5931
Secretarial Schools
8244
Security Brokers/Dealers
6211
Service Stations (with or without ancillary

services)
5541
Sewing Stores
5949
Sheet Metal WorkContractors
1761
Shoe Repair Shops and Shoe Shine

Parlours
7251
Shoe Stores
5661
Shopping ServicesClubs
7278
SidingContractors
1761
Silverware Stores
5944
Ski Slopes
7999
Snowmobile Dealers
5598
Social Associations
8641
Social Service Organisations
8398
B-34

15 May 2013
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
SoftwareComputer
5734
Souvenir Shops
5947
SpasHealth and Beauty
7298
Speciality Cleaning, Polishing and

Sanitation Preparations
2842
Speciality Food Markets
5499
Speciality Retail StoresMiscellaneous
5999
Sporting Goods Stores
5941
Sports Apparel Stores
5655
Sports ClubsMemberships
7997
Sports Instruction
7999
SportsPromoters and Professional
7941
Stamp Stores
5972
Stationery, Office Supplies, Printing and

Writing Paper
5111
Stationery Stores
5943
Steamship Lines
4411
Stenographic and Secretarial Support

Services
7339
Stereo Repair Shops
7622
Stonework and Masonry Contractors
1740
Storage
4225
Supermarkets
5411
Surveying Services
8911
Swimming PoolsPublic
7999
Swimming PoolsSales, Service and

Supplies
5996
Tailors and Seamstresses, Mending and

Alterations
5697
Taverns
5813
Tax Payments
9311
Tax Preparation Services
7276
Taxicabs
4121
Telegraph Services
4821
Telecommunications Equipment, Including

Telephone Sales
4812
15 May 2013

B-35
Table B-3
Merchant Type
B-36
Floor Limit
Category
Code
MCC
Telecommunication Services, Including

Local and Long Distance Calls, Credit Card
Calls, Calls through Use of Magnetic
Stripe-Reading Telephones and Fax
Services
4814
TelemarketingTravel-Related
Arrangement Services (Excluding Travel
Agencies) (see Direct MarketingTravelRelated Arrangement Services)
5962
Television Repair Shops
7622
Temporary Help Services
7361
Tennis ClubsMemberships
7997
Tent and Awning Shops
5998
Testing Laboratories (Non-Medical)
8734
Theatrical Producers (Except Motion

Pictures), Ticket Agencies
7922
Tile Setting Contractors
1740
Time-shares
7012
Toll and Bridge Fees
4784
TombstonesSales and Installation
5999
Tour Buses
4131
Tour Operators
4722
Tourist Attractions and Exhibits
7991
Towing Services
7549
Toy and Game Shops
5945
Trade Schools
8249
Trailer Dealers
5561
Trailer Parks
7033
Trailer Rentals
7513
Transportation Services, Not Elsewhere

Classified
4789
Travel Agencies and Tour Operators
4722
Travelers ChequesNon-Financial
Institutions
6051
Trophy Sales
5999
Truck Dealers (New and Used) Service,

Repairs, Parts
5511
Truck Dealers (Used Only)
5521
Truck Rentals
7513
TruckingLocal/Long Distance
4214

15 May 2013
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
Tuxedo Rentals
7296
Typesetting, Platemaking and Related

Services
2791
Typewriter StoresSales, Rental, Service
5978
Tyre Retreading and Repair Shops
7534
Tyre StoresAutomotive
5532
UniformsRental
7296
Universities
8220
Upholstery Cleaning
7217
Upholstery Stores
5714
Used Merchandise Stores
5931
UtilitiesElectric, Gas, Water, Telephone,

Sanitary
4900
Utility Trailer Dealers
5561
Utility Trailer Rentals
7513
Variety Stores
5331
Vegetable Markets
5499
Veterinary Services
0742
Video Amusement Game Supplies
7993
Video Game Arcades/Establishments
7994
Video Tape Rental Stores
7841
Visa Credential Server (for Visa use only)
9701
Visa Phone
4815
Vocational Schools
8249
Wagers at Race Tracks
7995
Wallpaper Stores
5231
Warehousing, Public
4225
Watch Repair
7631
Watch Stores
5944
Water Utilities
4900
Welding Repairs
7692
Well DrillingContractors
1799
Wholesale Clubs
5300
Wig and Toupee Stores
5698
Wire TransferMoney Orders
4829
15 May 2013

B-37
Table B-3
Merchant Type
Floor Limit
Category
Code
MCC
Womens Accessory and Speciality Shops
5631
Womens Ready-To-Wear Stores
5621
Wood Dealers
5983
Wrecking
5935
7999
Z
Zoos
B-38

15 May 2013
MERCHANT DATA STANDARDS, LISTED IN NUMERICAL ORDER OF

MCC
Table B-4 lists the Merchant Data Standards in numerical order of MCC.
NOTE: Merchant Category Codes that are no longer active (and are not to be used for original
Presentments) appear for reference only in the numerical listing.
KEY:
1
International Airline Program Participant
Effective 15 April 2011
**
Effective 14 October 2011
Table B-4
15 May 2013
Merchant Data Standards, Listed in Numerical Order by Merchant

Category Code
MCC
Floor Limit
Category
Code
Merchant Type
0742
Veterinary Services
0763
0780
Landscaping and Horticultural Services
1520
General ContractorsResidential 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 ContractorsNot Elsewhere

Classified
2741
Miscellaneous Publishing and Printing

Services
2791
Typesetting, Platemaking and Related

Services
2842
Speciality Cleaning, Polishing and

Sanitation Preparations
3000
UNITED AIRLINES
UNITED AIR
3001
AMERICAN AIRLINES
AMERICAN AIR
3002
PAN AMERICAN
PAN AM AIR
3003
EUROFLY AIRLINES
EUROFLY AIR
3004
TRANS WORLD AIRLINES
TWA AIRLINE
3005
BRITISH AIRWAYS
BRITISH AWYS

B-39
Table B-4
B-40

Category Code (Continued)
MCC
Floor Limit
Category
Code
Merchant Type
3006
JAPAN AIRLINES
JAL AIRLINE
3007
AIR FRANCE
AIR FRANCE
3008
LUFTHANSA
LUFTHANSA
3009
AIR CANADA
AIR CANADA
3010
KLM (ROYAL DUTCH AIRLINES)
KLM AIRLINE
3011
AEROFLOT
AEROFLOT
3012
QANTAS
QANTAS AIR
3013
ALITALIA
ALITALIA
3014
SAUDI ARABIAN AIRLINES
SAUDIA AIR
3015
SWISS INTERNATIONAL AIRLINES
SWISSINTAIR
3016
SAS
SAS
3017
SOUTH AFRICAN AIRWAYS
SAA AIRWAYS
3018
VARIG (BRAZIL)
VARIG
3019
GERMANWINGS
GRMNWNGSAIR
3020
AIR-INDIA
AIR-INDIA
3021
AIR ALGERIE
AIR ALGERIE
3022
PHILIPPINE AIRLINES
PHILIPP AIR
3023
MEXICANA
MEXICANA
3024
PAKISTAN INTERNATIONAL
PAKISTAN AIR
3025
AIR NEW ZEALAND
AIR NZ
3026
EMIRATES AIRLINES
EMIRATES
3027
UTA/INTERAIR
UTA AIRLINE
3028
AIR MALTA
AIR MALTA
3029
SN BRUSSELS AIRLINES
SNBRSSLSAIR
3030
AEROLINEAS ARGENTINAS
AERO ARGENT
3031
OLYMPIC AIRWAYS
OLYMPIC AIR
3032
EL AL
EL AL
3033
ANSETT AIRLINES
ANSETT AIR
3034
ETIHAD AIRWAYS
ETIHADAIR
3035
TAP (PORTUGAL)
TAP AIR
3036
VASP (BRAZIL)
VASP AIRLINE
3037
EGYPTAIR
EGYPTAIR
3038
KUWAIT AIRWAYS
KUWAIT AIR
3039
AVIANCA1
AVIANCA
3040
GULF AIR (BAHRAIN)
GULF AIR
3041
BALKAN-BULGARIAN AIRLINES
BALKAN AIR

15 May 2013
Table B-4
15 May 2013

MCC
Floor Limit
Category
Code
Merchant Type
3042
FINNAIR
FINNAIR
3043
AER LINGUS
AER LINGUS
3044
AIR LANKA
AIR LANKA
3045
NIGERIA AIRWAYS
NIGERIA AIR
3046
CRUZEIRO DO SUL (BRAZIL)
CRUZEIRO AIR
3047
THY (TURKEY)
THY AIRLINE
3048
ROYAL AIR MAROC
AIR MAROC
3049
TUNIS AIR
TUNIS AIR
3050
ICELANDAIR
ICELANDAIR
3051
AUSTRIAN AIRLINES
AUSTRIAN AIR
3052
LANCHILE, renamed LAN AIRLINES
LANCHILE, renamed LAN AIR
3052
LAN AIRLINES (formerly LANCHILE)
LAN AIR
3053
AVIACO (SPAIN)
AVIACO AIR
3054
LADECO (CHILE)
LADECO AIR
3055
LAB (BOLIVIA)
LAB AIR
3056
JET AIR
JET AIR
3057
VIRGIN AMERICA
VIR AMER
3058
DELTA
DELTA AIR
3059
DBA AIRLINES
DBA AIRLINES
3060
NORTHWEST
NWA AIR
3061
CONTINENTAL
CONTINENTAL
3062
HAPAG-LLOYD EXPRESS AIRLINES
HLX AIR
3063
U.S. AIRWAYS
USAIRWAYS
3064
ADRIA AIRWAYS
ADRIA AIR
3065
AIRINTER
AIRINTER
3066
SOUTHWEST
SOUTHWESTAIR
3067
VANGUARD AIRLINES
VANGUARD AIR
3068
AIR ASTANA
AIR ASTANA
3071
AIR BRITISH COLUMBIA
AIR BC
3072
CEBU PACIFIC AIRLINES
CEBU_PAC
3075
SINGAPORE AIRLINES
SINGAPOREAIR
3076
AEROMEXICO
AEROMEXICO
3077
THAI AIRWAYS
THAI AIRWAYS
3078
CHINA AIRLINES
CHINA AIRLINE
3079
JETSTAR AIRWAYS
JETSTAR AIR
3082
KOREAN AIRLINES
KOREAN AIR

B-41
Table B-4
B-42

MCC
Floor Limit
Category
Code
Merchant Type
3083
AIR AFRIQUE
AIR AFRIQUE
3084
EVA AIRWAYS CORPORATION
EVA AIR
3085
MIDWEST EXPRESS AIRLINES
MIDWEST EXP
3086
CARNIVAL AIRLINES
CARNIVAL AIR
3087
METRO AIRLINES
METRO AIR
3088
CROATIA AIRLINES
CROATIA AIR
3089
TRANSAERO
TRANSAERO
3090
UNI AIRWAYS CORPORATION
UNIAIR
3094
ZAMBIA AIRWAYS
ZAMBIA AIR
3096
AIR ZIMBABWE
AIR ZIMBABWE
3097
SPANAIR
SPANAIR
3098
ASIANA AIRLINES
ASIANA AIR
3099
CATHAY PACIFIC
CATHAYPACAIR
3100
MALAYSIAN AIRLINE SYSTEM
MALAY AIR
3102
IBERIA
IBERIA
3103
GARUDA (INDONESIA)
GARUDA AIR
3106
BRAATHENS S.A.F.E. (NORWAY)
BRAATHENS
3110
WINGS AIRWAYS
WINGS AIR
3111
BRITISH MIDLAND
BRIT MIDLAND
3112
WINDWARD ISLAND
WINDWRDISAIR
3115
TOWER AIR
TOWERAIR
3117
VIASA
VIASA
3118
VALLEY AIRLINES
VALLEY AIR
3125
TAN
TAN AIR
3126
TALAIR
TALAIR
3127
TACA INTERNATIONAL
TACA AIR
3129
SURINAM AIRWAYS
SURINAM AIR
3130
SUN WORLD INTERNATIONAL
SUNWORLD AIR
3131
VLM AIRLINES
VLM AIR
3132
FRONTIER AIRLINES
FRONTIER AIR
3133
SUNBELT AIRLINES
SUNBELT AIR
3135
SUDAN AIRWAYS
SUDAN AIR
3136
QATAR AIRWAYS
QATAR AIR
3137
SINGLETON
SINGLETONAIR
3138
SIMMONS AIRLINES
SIMMONS AIR
3143
SCENIC AIRLINES
SCENIC AIR

15 May 2013
Table B-4
15 May 2013

MCC
Floor Limit
Category
Code
Merchant Type
3144
VIRGIN ATLANTIC
VIRGINATLAIR
3145
SAN JUAN AIRLINES
SAN JUAN AIR
3146
LUXAIR
LUXAIR
3148
AIR LITTORAL S.A.
AIRLITTORAL
3151
AIR ZAIRE
AIR ZAIRE
3154
PRINCEVILLE
PRINCVLLEAIR
3156
GO FLY, LTD
GOFLY
3159
PBA
PBA AIRLINE
3161
ALL NIPPON AIRWAYS
A.N.A. AIR
3164
NORONTAIR
NORONTAIR
3165
NEW YORK HELICOPTER
NY HELI
3167
AEROCONTINENTE
AEROCONTINEN
3170
MOUNT COOK
MT COOK AIR
3171
CANADIAN AIRLINES INTERNATIONAL
CANADIAN AIR
3172
NATIONAIR
NATIONAIR
3174
JETBLUE AIRWAYS
JETBLUE
3175
MIDDLE EAST AIR
MIDEAST AIR
3176
METROFLIGHT AIRLINES
METROFLT AIR
3177
AIRTRAN AIRWAYS
AIRTRANAIR
3178
MESA AIR
MESA AIR
3180
WESTJET AIRLINES
WESTJETAIR
3181
MALEV
MALEV AIR
3182
LOT (POLAND)
LOT AIR
3183
OMAN AVIATION SERVICES
OMANAIR
3184
LIAT
LIAT AIRLINE
3185
LAV (VENEZUELA)
LAV AIR
3186
LAP (PARAGUAY)
LAP AIR
3187
LACSA (COSTA RICA)
LACSA AIR
3188
VIRGIN EXPRESS
VIRGINEXPAIR
3190
JUGOSLAV AIR
JUGOSLAV AIR
3191
ISLAND AIRLINES
ISLAND AIR
3193
INDIAN AIRLINES
INDIAN AIR
3196
HAWAIIAN AIR
HAWAIIAN AIR
3197
HAVASU AIRLINES
HAVASU AIR
3200
GUYANA AIRWAYS
GUYANA AIR
3203
GOLDEN PACIFIC AIR
GOLDPAC AIR

B-43
Table B-4
B-44

MCC
Floor Limit
Category
Code
Merchant Type
3204
FREEDOM AIR
FREEDOM AIR
3206
CHINA EASTERN AIRLINES
CHINEASTAIR
3211
NORWEGIAN AIR SHUTTLE
NORWEGIANAIR
3212
DOMINICANA
DOMINICANA
3213
MALMO AVIATION
MALMO AIR
3215
DAN AIR SERVICES
DAN AIR
3216
CUMBERLAND AIRLINES
CUMBERLNDAIR
3217
CSA
CSA AIRLINE
3218
CROWN AIR
CROWN AIR
3219
COPA
COPA AIR
3220
COMPANIA FAUCETT
COMP FAU AIR
3221
TRANSPORTES AEROS MILITARES

ECUATORIANOS
TAME AIRLINE
3222
COMMAND AIRWAYS
COMMAND AIR
3223
COMAIR
COMAIR
3226
SKYWAYS
SKYWAYS AIR
3228
CAYMAN AIRWAYS
CAYMANAIR
3229
SAETA SOCIAEDAD ECUATORIANOS DE

TRANSPORTES AEREOS
SAETA AIR
3231
SAHSA SERVICIO AEREO DE

HONDURAS
SAHSA AIR
3233
CAPITOL AIR
CAPITOL AIR
3234
BWIA renamed
CARIBBEAN AIRLINES
BWIA AIRLINE renamed

CARIBBEAN AIR
3235
BROCKWAY AIR
BROCKWAY AIR
3236
AIR ARABIA
AIR ARABIA
3238
BEMIDJI AIRLINES
BEMIDJI AIR
3239
BAR HARBOR AIRLINES
BARHARBORAIR
3240
BAHAMASAIR
BAHAMASAIR
3241
AVIATECA (GUATEMALA)
AVIATECA AIR
3242
AVENSA
AVENSA AIR
3243
AUSTRIAN AIR SERVICE
AUST AIRSERV
3245
EASYJET
EASYJET AIR
3246
RYANAIR
RYANAIR
3247
GOL AIRLINES
GOL AIR
3248
TAM AIRLINES
TAM AIR
3251
ALOHA AIRLINES
ALOHA AIR
3252
ALM
ALM AIRLINE

15 May 2013
Table B-4
15 May 2013

MCC
Floor Limit
Category
Code
Merchant Type
3254
U.S. AIR SHUTTLE
USAIRSHUTL
3256
ALASKA AIRLINES
ALASKA AIR
3259
AMERICAN TRANS AIR
ATA AIR
3260
SPIRIT AIRLINES
SPIRIT AIR
3261
AIR CHINA
AIR CHINA
3262
RENO AIR, INC.
RENO AIR
3263
AERO SERVICO CARABOBO
ASC AIRLINE
3266
AIR SEYCHELLES
AIR SEYCH
3267
AIR PANAMA
AIR PANAMA
3280
AIR JAMAICA
AIR JAMAICA
3282
AIR DJIBOUTI
AIR DJIBOUTI
3284
AERO VIRGIN ISLANDS
AERVIRGINIS
3285
AEROPERU
AEROPERU
3286
AEROLINEAS NICARAGUENSIS
AERONICARAG
3287
AERO COACH AVIATION
AEROCOACH AV
3292
CYPRUS AIRWAYS
CYPRUS AIR
3293
ECUATORIANA
ECUATORIANA
3294
ETHIOPIAN AIRLINES
ETHIOPIAN AIR
3295
KENYA AIRWAYS
KENYA AIR
3296
AIR BERLIN
AIR BERLIN
3297
TAROM ROMANIAN AIR TRANSPORT
TAROM AIR
3298
AIR MAURITIUS
AIRMAURITIUS
3299
WIDEROE'S FLYVESELSKAP
WIDEROES
3351
AFFILIATED AUTO RENTAL
3352
AMERICAN INTL RENT-A-CAR
3353
BROOKS RENT-A-CAR
3354
ACTION AUTO RENTAL
3355
SIXT CAR RENTAL
3357
HERTZ
3359
PAYLESS CAR RENTAL
3360
SNAPPY CAR RENTAL
3361
AIRWAYS RENT-A-CAR
3362
ALTRA AUTO RENTAL
3364
AGENCY RENT-A-CAR
3366
BUDGET RENT-A-CAR
3368
HOLIDAY RENT-A-CAR

B-45
Table B-4
B-46

MCC
Floor Limit
Category
Code
Merchant Type
3370
RENT-A-WRECK
3374
ACCENT RENT-A-CAR
3376
AJAX RENT-A-CAR
3380
TRIANGLE RENT-A-CAR
3381
EUROP CAR
3385
TROPICAL RENT-A-CAR
3386
SHOWCASE RENTAL CARS
3387
ALAMO RENT-A-CAR
3388
MERCHANTS RENT-A-CAR
3389
AVIS RENT-A-CAR
3390
DOLLAR RENT-A-CAR
3391
EUROPE BY CAR
3393
NATIONAL CAR RENTAL
3394
KEMWELL GROUP RENT-A-CAR
3395
THRIFTY CAR RENTAL
3396
TILDEN RENT-A-CAR
3398
ECONO-CAR RENT-A-CAR
3400
AUTO HOST CAR RENTALS
3405
ENTERPRISE RENT-A-CAR
3409
GENERAL RENT-A-CAR
3412
A-1 RENT-A-CAR
3414
GODFREY NATL RENT-A-CAR
3420
ANSA INTL RENT-A-CAR
3421
ALLSTATE RENT-A-CAR
3423
AVCAR RENT-A-CAR
3425
AUTOMATE RENT-A-CAR
3427
AVON RENT-A-CAR
3428
CAREY RENT-A-CAR
3429
INSURANCE RENT-A-CAR
3430
MAJOR RENT-A-CAR
3431
REPLACEMENT RENT-A-CAR
3432
RESERVE RENT-A-CAR
3433
UGLY DUCKLING RENT-A-CAR
3434
USA RENT-A-CAR
3435
VALUE RENT-A-CAR
3436
AUTOHANSA RENT-A-CAR

15 May 2013
Table B-4
15 May 2013

MCC
Floor Limit
Category
Code
Merchant Type
3437
CITE RENT-A-CAR
3438
INTERENT RENT-A-CAR
3439
MILLEVILLE RENT-A-CAR
3441
ADVANTAGE RENT-A-CAR
3501
HOLIDAY INN EXPRESS
3501
HOLIDAY INNS
3502
BEST WESTERN HOTELS
3503
SHERATON
3504
HILTON HOTELS
3505
FORTE HOTELS
3506
GOLDEN TULIP HOTELS
3507
FRIENDSHIP INNS
3508
QUALITY INNS
3508
QUALITY SUITES
3509
MARRIOTT
3510
DAYS INNS
3510
DAYSTOP
3511
ARABELLA HOTELS
3512
INTER-CONTINENTAL HOTELS
3513
WESTIN
3514
AMERISUITES
3515
RODEWAY INNS
3516
LA QUINTA MOTOR INNS
3517
AMERICANA HOTELS
3518
SOL HOTELS
3519
PULLMAN INTERNATIONAL HOTELS
3520
MERIDIEN HOTELS
3521
ROYAL LAHAINA RESORTS
3522
TOKYO HOTEL
3523
PENINSULA HOTEL
3524
WELCOMGROUP HOTELS
3525
DUNFEY HOTELS
3526
PRINCE HOTELS
3527
DOWNTOWNER-PASSPORT HOTEL
3528
RED LION HOTELS
3528
RED LION INNS

B-47
Table B-4
B-48

MCC
Floor Limit
Category
Code
Merchant Type
3528
THUNDERBIRD HOTELS
3529
CP HOTELS
3530
RENAISSANCE HOTELS
3531
KAUAI COCONUT BEACH RESORT
3532
ROYAL KONA RESORT
3533
HOTEL IBIS
3534
SOUTHERN PACIFIC HOTELS
3535
HILTON INTERNATIONALS
3536
AMFAC HOTELS
3537
ANA HOTEL
3538
CONCORDE HOTELS
3539
SUMMERFIELDS SUITES HOTELS
3540
IBEROTEL HOTELS
3541
HOTEL OKURA
3542
ROYAL HOTELS
3543
FOUR SEASONS HOTELS
3544
CIGA HOTELS
3545
SHANGRI-LA INTERNATIONAL
3546
HOTEL SIERRA
3548
HOTELES MELIA
3549
AUBERGE DES GOVERNEURS
3550
REGAL 8 INNS
3551
MIRAGE HOTEL AND CASINO
3552
COAST HOTELS
3553
PARK INNS INTERNATIONAL
3554
PINEHURST RESORT
3555
TREASURE ISLAND HOTEL AND CASINO
3556
BARTON CREEK RESORT
3557
MANHATTAN EAST SUITE HOTEL
3558
JOLLY HOTELS
3559
CANDLEWOOD SUITES
3560
ALADDIN RESORT AND CASINO
3561
GOLDEN NUGGET
3562
COMFORT INNS
3563
JOURNEY'S END MOTELS
3564
SAM'S TOWN HOTEL AND CASINO

15 May 2013
Table B-4
15 May 2013

MCC
Floor Limit
Category
Code
Merchant Type
3565
RELAX INNS
3566
GARDEN PLACE HOTEL
3567
SOHO GRAND HOTEL
3568
LADBROKE HOTELS
3569
TRIBECA GRAND HOTEL
3570
FORUM HOTELS
3571
GRAND WAILEA RESORT
3572
MIYAKO HOTELS
3573
SANDMAN HOTELS
3574
VENTURE INNS
3575
VAGABOND HOTELS
3576
LA QUINTA RESORT
3577
MANDARIN ORIENTAL HOTEL
3578
FRANKENMUTH BAVARIAN
3579
HOTEL MERCURE
3580
HOTEL DEL CORONADO
3581
DELTA HOTEL
3582
CALIFORNIA HOTEL AND CASINO
3583
SAS HOTELS
3584
PRINCESS HOTELS INTERNATIONAL
3585
HUNGAR HOTELS
3586
SOKOS HOTELS
3587
DORAL HOTELS
3588
HELMSLEY HOTELS
3589
DORAL GOLF RESORT
3590
FAIRMONT HOTELS
3591
SONESTA HOTELS
3592
OMNI HOTELS
3593
CUNARD HOTELS
3594
ARIZONA BILTMORE
3595
HOSPITALITY INTERNATIONAL
3596
WYNN LAS VEGAS
3597
RIVERSIDE RESORT HOTEL AND CASINO
3598
REGENT INTERNATIONAL HOTELS
3599
PANNONIA HOTELS
3603
NOAH'S HOTELS

B-49
Table B-4
B-50

MCC
Floor Limit
Category
Code
Merchant Type
3608
GAYLORD OPRYLAND
3609
GAYLORD PALMS
3612
MOEVENPICK HOTELS
3613
MICROTEL INNS & SUITES
3614
AMERICINN
3615
TRAVELODGE
3617
AMERICA'S BEST VALUE INN
3618
GREAT WOLF
3619
ALOFT
3620
BINION'S HORSESHOE CLUB
3621
EXTENDED STAY
3622
MERLIN HOTELS
3623
DORINT HOTELS
3624
LADY LUCK HOTEL AND CASINO
3625
HOTEL UNIVERSALE
3626
STUDIO PLUS
3627
EXTENDED STAY AMERICA
3628
EXCALIBUR HOTEL AND CASINO
3629
DAN HOTELS
3630
EXTENDED STAY DELUXE
3631
SLEEP INN
3632
THE PHOENICIAN
3633
RANK HOTELS
3634
SWISSOTEL
3635
RESO HOTELS
3636
SAROVA HOTELS
3637
RAMADA INNS
3638
HO JO INN
3638
HOWARD JOHNSON
3639
MOUNT CHARLOTTE THISTLE
3640
HYATT HOTELS
3641
SOFITEL HOTELS
3642
NOVOTEL HOTELS
3643
STEIGENBERGER HOTELS
3644
ECONO LODGES
3645
QUEENS MOAT HOUSES

15 May 2013
Table B-4
15 May 2013

MCC
Floor Limit
Category
Code
Merchant Type
3646
SWALLOW HOTELS
3647
HUSA HOTELS
3648
DE VERE HOTELS
3649
RADISSON HOTELS
3650
RED ROOF INNS
3651
IMPERIAL LONDON HOTEL
3652
EMBASSY HOTELS
3653
PENTA HOTELS
3654
LOEWS HOTELS
3655
SCANDIC HOTELS
3656
SARA HOTELS
3657
OBEROI HOTELS
3658
OTANI HOTELS, renamed NEW OTANI

HOTELS
3658
NEW OTANI HOTELS
3659
TAJ HOTELS INTERNATIONAL
3660
KNIGHTS INNS
3661
METROPOLE HOTELS
3662
CIRCUS CIRCUS HOTEL AND CASINO
3663
HOTELES EL PRESIDENTE
3664
FLAG INN
3665
HAMPTON INNS
3666
STAKIS HOTELS
3667
LUXOR HOTEL AND CASINO
3668
MARITIM HOTELS
3669
ELDORADO HOTEL AND CASINO
3670
ARCADE HOTELS
3671
ARCTIA HOTELS
3672
CAMPANILE HOTELS
3673
IBUSZ HOTELS
3674
RANTASIPI HOTELS
3675
INTERHOTEL CEDOK
3676
MONTE CARLO HOTEL AND CASINO
3677
CLIMAT DE FRANCE HOTELS
3678
CUMULUS HOTELS
3679
SILVER LEGACY HOTEL AND CASINO
3680
HOTEIS OTHAN

B-51
Table B-4
B-52

MCC
Floor Limit
Category
Code
Merchant Type
3681
ADAMS MARK HOTELS
3682
SAJARA HOTEL AND CASINO
3683
BRADBURY SUITES
3684
BUDGET HOST INNS
3685
BUDGETEL INNS
3686
SUSSE CHALET
3687
CLARION HOTELS
3688
COMPRI HOTELS
3689
CONSORT HOTELS
3690
COURTYARD BY MARRIOTT
3691
DILLON INNS
3692
(Includes GUEST QUARTERS)
3693
DRURY INNS
3694
ECONOMY INNS OF AMERICA
3695
EMBASSY SUITES
3696
EXEL INNS
3697
FAIRFIELD HOTELS
3698
HARLEY HOTELS
3699
MIDWAY MOTOR LODGE
3700
MOTEL 6
3701
LA MANSION DEL RIO
3702
THE REGISTRY HOTELS
3703
RESIDENCE INNS
3704
ROYCE HOTELS
3705
SANDMAN INNS
3706
SHILO INNS
3707
SHONEY'S INNS
3708
VIRGIN RIVER HOTEL AND CASINO
3709
SUPER 8 MOTELS
3710
THE RITZ-CARLTON
3711
FLAG INNS (AUSTRALIA)
3712
BUFFALO BILL'S HOTEL AND CASINO
3713
QUALITY PACIFIC HOTEL
3714
FOUR SEASONS HOTEL (AUSTRALIA)
3715
FAIRFIELD INN
3716
CARLTON HOTELS

15 May 2013
Table B-4
15 May 2013

MCC
Floor Limit
Category
Code
Merchant Type
3717
CITY LODGE HOTELS
3718
KAROS HOTELS
3719
PROTEA HOTELS
3720
SOUTHERN SUN HOTELS
3721
HILTON CONRAD
3722
WYNDHAM
3723
RICA HOTELS
3724
INTER NOR HOTELS
3725
SEA PINES RESORT
3726
RIO SUITES
3727
BROADMOOR HOTEL
3728
BALLY'S HOTEL AND CASINO
3729
JOHN ASCUAGA'S NUGGET
3730
MGM GRAND HOTEL
3731
HARRAH'S HOTELS AND CASINOS
3732
OPRYLAND HOTEL
3734
HARVEY/BRISTOL RESORTS
3735
MASTERS ECONOMY INNS
3736
COLORADO BELLE/ EDGEWATER

RESORT
3737
RIVIERA HOTEL AND CASINO
3738
TROPICANA RESORT & CASINO
3739
WOODSIDE HOTELS & RESORTS
3740
TOWNEPLACE SUITES
3741
MILLENNIUM HOTELS
3742
CLUB MED
3743
BILTMORE HOTELS & SUITES
3744
CAREFREE RESORTS
3745
ST. REGIS HOTEL
3746
THE ELIOT HOTEL
3747
CLUBCORP/CLUBRESORTS
3748
WELLESLEY INNS
3749
THE BEVERLY HILLS HOTEL
3750
CROWNE PLAZA HOTELS
3751
HOMEWOOD SUITES
3752
PEABODY HOTELS
3753
GREENBRIAR RESORTS

B-53
Table B-4
B-54

MCC
Floor Limit
Category
Code
Merchant Type
3754
AMELIA ISLAND PLANTATION
3755
THE HOMESTEAD
3757
CANYON RANCH
3758
KAHALA MANDARIN ORIENTAL HOTEL
3759
THE ORCHID AT MAUNA LANI
3760
HALEKULANI HOTEL/WAIKIKI PARC
3761
PRIMADONNA HOTEL AND CASINO
3762
WHISKEY PETE'S HOTEL AND CASINO
3763
CHATEAU ELAN WINERY AND RESORT
3764
BEAU RIVAGE HOTEL AND CASINO
3765
BELLAGIO
3766
FREMONT HOTEL AND CASINO
3767
MAIN STREET STATION HOTEL AND

CASINO
3768
SILVER STAR HOTEL AND CASINO
3769
STRATOSPHERE HOTEL AND CASINO
3770
SPRINGHILL SUITES
3771
CAESAR'S HOTEL AND CASINO
3772
NEMACOLIN WOODLANDS
3773
THE VENETIAN RESORT HOTEL CASINO
3774
NEW YORK-NEW YORK HOTEL +

CASINO
3775
SAND'S RESORT
3776
NEVELE GRAND RESORT AND COUNTRY

CLUB
3777
MANDALAY BAY RESORT
3778
FOUR POINTS HOTELS
3779
W HOTELS
3780
DISNEY RESORTS
3781
PATRICIA GRAND RESORT HOTELS
3782
ROSEN HOTELS AND RESORTS
3783
TOWN AND COUNTRY RESORT &

CONVENTION CENTER
3784
FIRST HOSPITALITY HOTELS
3785
OUTRIGGER HOTELS AND RESORTS
3786
OHANA HOTELS OF HAWAII
3787
CARIBE ROYAL RESORTS
3788
ALA MOANA HOTEL

15 May 2013
Table B-4
15 May 2013

MCC
Floor Limit
Category
Code
Merchant Type
3789
SMUGGLER'S NOTCH RESORT
3790
RAFFLES HOTELS
3791
STAYBRIDGE SUITES
3792
CLARIDGE CASINO HOTEL
3793
FLAMINGO HOTELS
3794
GRAND CASINO HOTELS
3795
PARIS LAS VEGAS HOTEL
3796
PEPPERMILL HOTEL CASINO
3797
ATLANTIC CITY HILTON RESORTS
3798
EMBASSY VACATION RESORT
3799
HALE KOA HOTEL
3800
HOMESTEAD SUITES
3801
WILDERNESS HOTEL & RESORT
3807
ELEMENT
3808
LXR
3811
PREMIER INN
3812
HYATT PLACE
3813
HOTEL INDIGO
3814
THE ROOSEVELT HOTEL NY
3815
NICKELODEON FAMILY SUITES BY

HOLIDAY INN
3818
MAINSTAY SUITES
3819
OXFORD SUITES
3820
JUMEIRAH ESSEX HOUSE
3821
CARIBE ROYALE
3823
GRAND SIERRA RESORT
3824
ARIA
3825
VDARA
3827*
GALT HOUSE
3828**
COSMOPOLITAN OF LAS VEGAS
3826*
AUTOGRAPH
4011
Railroads
4111
Local and Suburban Commuter Passenger

Transportation, including Ferries
4112
Passenger Railways
4119
Ambulance Services
4121

B-55
Table B-4
B-56

MCC
Floor Limit
Category
Code
Merchant Type
4131
Bus Lines
4214
Motor Freight Carriers and

TruckingLocal and Long Distance,
Moving and Storage Companies and Local
Delivery
4215
Courier ServicesAir or Ground and

Freight Forwarders
4225
Public WarehousingFarm Products,

Refrigerated Goods, Household Goods and
Storage
4411
Steamship Lines and Cruise Lines
4457
Boat Rentals and Leasing
4457
RentalsBoats
4468
Marinas, Marine Service and Supplies
4511
Airlines and Air Carriers
4582
Airports, Flying Fields and Airport

Terminals
4722
Travel Agencies and Tour Operators
4723
Package Tour Operators (Germany Only)
4784
4789
Transportation ServicesNot Elsewhere

Classified
4812
Telecommunications 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
UtilitiesElectric, Gas, Water and

Sanitary
5013
Motor Vehicle Supplies and New Parts
5021
Office and Commercial Furniture
5039
Construction Materials, Not Elsewhere

Classified
5044
Office, Photographic, Photocopy and

Microfilm Equipment

15 May 2013
Table B-4
15 May 2013

MCC
Floor Limit
Category
Code
Merchant Type
5045

Equipment and Software
5046
Commercial Equipment, Not Elsewhere

Classified
5047
Dental/Laboratory/Medical/Ophthalmic
Hospital Equipment and Supplies
5051
Metal Service Centres 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
5094
Precious Stones and Metals, Watches and

Jewellery
5099
Durable Goods, Not Elsewhere Classified
5111
Stationery, Office Supplies and Printing

and Writing Paper
5122
Drugs, Drug Proprietaries and Druggists

Sundries
5131
Piece Goods, Notions and Other Dry

Goods
5137
Mens, Womens and Childrens Uniforms

and Commercial Clothing
5139
Commercial Footwear
5169
Chemicals and Allied Products, Not

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
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

B-57
Table B-4
B-58

MCC
Floor Limit
Category
Code
Merchant Type
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
5422
Meat ProvisionersFreezer and Locker
5441
Candy, Nut and Confectionery Stores
5451
Dairy Products Stores
5462
Bakeries
5499
Miscellaneous Food StoresConvenience

Stores and Speciality 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 Tyre Stores
5533
Automotive Parts and Accessories Stores
5541
Service Stations (with or without ancillary

services)
5542
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 DealersNot Elsewhere
Classified
5611
Mens and Boys Clothing and Accessories

Stores
5621
Womens Ready-To-Wear Stores
5631
Womens Accessory and Speciality Shops
5641
Childrens and Infants Wear Stores
5651
ClothingFamily

15 May 2013
Table B-4
15 May 2013

MCC
Floor Limit
Category
Code
Merchant Type
5651
5655
Sports and Riding Apparel Stores
5661
Shoe Stores
5681
Furriers and Fur Shops
5691
Mens and Womens Clothing Stores
5697
Tailors, Seamstresses, Mending and

Alterations
5698
Wig and Toupee Stores
5699
Miscellaneous Apparel and Accessory

Stores
5712
Furniture, Home Furnishings and

Equipment Stores, Except Appliances
5713
Floor Covering Stores
5714
Drapery, Window Covering and

Upholstery Stores
5718
Fireplaces, Fireplace Screens and

Accessories Stores
5719
Miscellaneous Home Furnishing Speciality

Stores
5722
Appliance Stores (Not Elsewhere

Classified)
5722
5732
Electronic Stores
5733
Music StoresMusical Instruments,

Pianos and Sheet Music
5734
5735
Record Stores
5811
Caterers
5812
Eating Places and Restaurants
5813
Drinking Places (Alcoholic

Beverages)Bars, Taverns, Nightclubs,
Cocktail Lounges and Discotheques
5814
5912
5921
Package StoresBeer, Wine and Liquor
5931
Used Merchandise and Secondhand

Stores
5932
Antique ShopsSales, Repairs and

Restoration Services
5933
Pawn Shops

B-59
Table B-4
B-60

MCC
Floor Limit
Category
Code
Merchant Type
5935
Wrecking and Salvage Yards
5937
Antique Reproductions
5940
Bicycle ShopsSales and Service
5941
5942
Book Stores
5943
School, Stationery and Office Supply

Stores
5944
Jewellery, Watch, Clock and Silverware

Stores
5945
Hobby, Toy and Game Stores
5946
Camera and Photographic Supply Stores
5947
Gift, Card, Novelty and Souvenir Stores
5948
Luggage and Leather Goods Stores
5949
Sewing, Needlework, Fabric and Piece

Goods Stores
5950
Glassware and Crystal Stores
5960
Direct MarketingInsurance Services
5962
Direct MarketingTravel Related

Arrangement Services
5963
Door-to-Door Sales
5964
Direct MarketingCatalogue Merchants
5965
Direct MarketingCombination
Catalogue and Retail Merchants
5966
5967
Direct MarketingInbound Telemarketing

Merchants
5967
Inbound Teleservices Merchants
5968
Direct Marketing
Continuity/Subscription Merchants
5969
Direct Marketing/Direct MarketersNot

5970
Artist Supply and Craft Stores
5971
Art Dealers and Galleries
5972
Stamp and Coin Stores
5973
Religious Goods Stores
5975
Hearing AidsSales, Service and Supplies
5976
Orthopaedic Goods and Prosthetic

Devices

15 May 2013
Table B-4
15 May 2013

MCC
Floor Limit
Category
Code
Merchant Type
5977
Cosmetic Stores
5978
Typewriter StoresSales, Service and

Rentals
5983
Fuel DealersFuel Oil, Wood, Coal and

Liquefied Petroleum
5992
Florists
5993
5994
5995
Pet Shops, Pet Foods and Supplies
5996
Swimming PoolsSales, Supplies and

Service
5997
Electric Razor StoresSales and Service
5998
Tent and Awning Shops
5999
Miscellaneous and Speciality Retail Stores
6010
Financial InstitutionsManual Cash

Disbursements
6011
Financial InstitutionsAutomated Cash

Disbursements
6012
Financial InstitutionsMerchandise and

Services
6051
Non-Financial InstitutionsForeign
Currency, Money Orders (not wire
transfer) and Travelers Cheques
6211
Security Brokers and Dealers
6300
Insurance Sales, Underwriting and

Premiums
6513
Real Estate Agents and

ManagersRentals
7011
LodgingHotels, Motels and Resorts
7012
Time-shares
7032
Sporting and Recreational Camps
7033
Trailer Parks and Campgrounds
7210
Laundry, Cleaning and Garment Services
7211
Laundry ServicesFamily and Commercial
7216
Dry Cleaners
7217
Carpet and Upholstery Cleaning
7221
Photographic Studios
7230
Beauty and Barber Shops
7251
Hat Cleaning Shops

B-61
Table B-4
B-62

MCC
Floor Limit
Category
Code
Merchant Type
7251
Shoe Repair Shops, Shoe Shine Parlours

and Hat Cleaning Shops
7261
Funeral Services and Crematoriums
7273
Dating and Escort Services
7276
Tax Preparation Services
7277
Counselling ServicesDebt, Marriage,

Personal
7278
Buying and Shopping Services and Clubs
7296
Clothing RentalCostumes, Uniforms and

Formal Wear
7296
Formal WearRentals
7297
Massage Parlours
7298
Health and Beauty Spas
7299
Miscellaneous Personal ServicesNot

7311
Advertising Services
7321
Consumer Credit Reporting Agencies
7333
Commercial Photography, Art and

Graphics
7338
Quick Copy, Reproduction and

7339
Stenographic and Secretarial Support

Services
7342
Exterminating and Disinfecting Services
7349
Cleaning and Maintenance, Janitorial

Services
7361
Employment Agencies and Temporary

Help Services
7372
Computer Programming, Data Processing,

Integrated Systems and Design Services
7375
Information Retrieval Services
7379
Computer Maintenance and Repair

Services, Not Elsewhere Classified
7392
Management Consulting and Public

Relations Services
7393
Detective Agencies, Protective Agencies

and Security Services, including Armoured
Cars and Guard Dogs
7394
Equipment, Tool, Furniture and Appliance

Rental and Leasing

15 May 2013
Table B-4
15 May 2013

MCC
Floor Limit
Category
Code
Merchant Type
7395
Photo finishing Laboratories and Photo

Developing
7399

Classified
7512
Automobile Rental Agency
7513
Truck and Utility Trailer Rentals
7519
Motor Home and Recreational Vehicle

Rentals
7523
Parking Lots and Garages - Renamed

Parking Lots, Parking Meters and Garages
7531
Automotive Body Repair Shops
7534
Tyre Retreading and Repair Shops
7535
Automotive Paint Shops
7538
Automotive Service Shops (Non-Dealer)
7542
Car Washes
7549
Towing Services
7622
Electronics Repair Shops
7623
Air Conditioning Repair Shops
7623
Refrigeration Repair Shops
7629
Appliance Repair Shops
7629
Electrical Repair Shops
7629
Repair ShopsElectrical and Small

Appliances
7631
Watch, Clock and Jewellery Repair Shops
7641
FurnitureRe-upholstery, Repair and

Refinishing
7692
Welding Services,
7699
Miscellaneous Repair Shops and Related

Services
7829
Motion Pictures and Video Tape

Production and Distribution
7832
Motion Picture Theatres
7841
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

B-63
Table B-4
B-64

MCC
Floor Limit
Category
Code
Merchant Type
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 and Establishments
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
Recreational ServicesNot Elsewhere

Classified
8011
Doctors and PhysiciansNot 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
Convalescent Homes
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
Trade and Vocational Schools

15 May 2013
Table B-4
15 May 2013

MCC
Floor Limit
Category
Code
Merchant Type
8299
Schools and Educational ServicesNot

8351
Child Care Services
8398
Charitable and Social Service

Organisations
8641
Civic, Social and Fraternal Associations
8651
Political Organisations
8661
Religious Organisations
8675
Automobile Associations
8699
Membership OrganisationsNot
8699
Professional Organizations
8734
Testing Laboratories (Non-Medical)
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 ServicesNot Elsewhere

Classified
9402
Postal ServicesGovernment Only
9405
Intra-Government
PurchasesGovernment Only
9700

(for Visa use only)
9701
Visa Credential Server (for Visa use only)
9702
GCAS Emergency Services

(for Visa use only)
9950
Intra-Company Purchases

B-65
Maximum Authorized Floor Limits
Each Acquirer, at its discretion, assigns Floor Limits for its Merchants. However, certain maximum
authorized Floor Limits have been established to minimise as much as possible the amount of risk in
Interchange Transactions, described in Visa Europe Operating Regulations, Volume IGeneral Rules,
Section 4.9.A. The Merchant must obtain Authorization from its authorizing Processor for Transaction
Amounts above these Floor Limits. A Member may elect to set higher Floor Limits than those
authorized, but does so at its own risk. If higher Floor Limits than those authorized are established and
create problems, Visa Europe will take appropriate action.
Visa Europe may revise Floor Limits and may establish unique floor limits for specific Merchant
Category Codes (MCCs) in specific countries.
ZERO FLOOR LIMITS

All of the following must have a Zero Floor Limit:
Table C-1
15 May 2013
Zero Floor Limits
Transaction Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
ATM Transactions
All
Cardholder-Activated
Transactions Types B and Cfor
exceptions, see Floor Limits for
Transactions, Types B and C
below
All
Cash Disbursements
All
Electronic Commerce
Transactions
All
All
In-Transit Service Transactions

except on Cruise Lines (see
Table C-3)
All
Mail/Phone Order Transactions
All
Online Financial Transactions
All
Quasi-Cash Transactions
All
Effective Date
Until 14 October 2011

C-1
Table C-1
Zero Floor Limits (Continued)
Transaction Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
All
Transactions originating at a
Merchant Outlet identified by the
Merchant Fraud Performance
indicator 1 or 3 in the special
condition indicator field of the
Clearing Record
All
Transactions where all of the

following apply:
All
Transactions where the Card

bears the legend Electronic Use
Only
All
Transactions where the Chip or

Chip-Reading Device is
inoperative at a Merchant that
accepts Chip Transactions
All
Transactions with an
Unrecognised Service Code
originating at a Point-ofTransaction Terminal with Online
capability
All
Visa Electron Transactions

originating at a Visa Electron
Merchant
All
Effective Date
Card is unembossed;
Transaction takes place in a
Face-to-Face Environment;
and
Account Number is keyentered into a Point of
Transaction Terminal.
C-2

15 May 2013
DEFAULT FLOOR LIMITS FOR UNATTENDED ACCEPTANCE

TERMINALS
Effective on or after 15 October 2011, and unless otherwise specified, the default Floor Limits for
Unattended Acceptance Terminals are shown in Table C-2.
Table C-2
Default Floor Limits for Unattended Acceptance Terminals
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Terminals outside the Territory
4111
4112
4131
4784
7523
US$ 25
US$ 40
15 October 2011
EUR 40
15 October 2011
EUR 40
EUR 40
15 October 2011
EUR 40
15 October 2011
Terminals outside the Territory
(excluding MCC 4111, 4112, 4131,
4784 and 7523)
Terminals within the Territory
4111
4112
4131
4784
7523
Terminals within the Territory
(excluding MCC 4111, 4112, 4131,
4784 and 7523)
FLOOR LIMITS FOR TRANSACTIONS ON CRUISE SHIPS

Table C-3
15 May 2013
Floor Limits for Transactions on Cruise Ships (US Dollar)
Transaction Type
Floor Limit
Individual Transaction Receipts for purchases at shops aboard ship
150
Total ancillary charges incurred aboard a ship and settled with the Cruise Line on
a combined Transaction Receipt
500
Transportation Type costs
500

C-3
DEFAULT FLOOR LIMITS FOR COUNTRIES NOT LISTED

For countries not listed in this appendix, the maximum authorized Floor Limits are those established as
the default Floor Limit shown in Table C-4. Maximum Floor Limits are shown in either the countrys
respective currency or US dollars.
Table C-4
C-4
Default Floor Limits for All Countries Not Listed (US Dollar)
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
500
500
All
250
250
Transactions Types B & C
All
Hospitals
All
500
500
Hotels
All
500
500
Railroads
All
150
150
Restaurants
All
150
150
Special Hotels
All
1,500
1,500
Special Restaurants
All
500
500
Travel Agencies
All
500
500
All Other Merchants (except

those with Zero Floor Limits, see
Table C-1)
All
150
150
Effective Date

15 May 2013
COUNTRY-SPECIFIC FLOOR LIMITS

Table C-5
ANDORRA ()
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
510
510
All
120
120
All
40
Hospitals
All
240
240
Hotels
All
240
240
Railroads
All
130
130
Restaurants
All
90
90
Special Hotels
All
1,565
1,565
Special Restaurants
All
480
480
Travel Agencies
All
510
510
All Other Merchants
All
150
150
Table C-6
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Financial Institutions/
Merchandise and Services
6012
150
Default Floor
Limits
Default Floor
Limits
Chip Floor
Limit
All Other Merchants
15 May 2013
Until 14 October 2011, see

Table C-2
ANTIGUA (Default Floor Limits)
Merchant Type
Table C-7
Effective Date
Effective Date
ARGENTINA (US Dollar)
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
500
All
250
All
Hospitals
All
1,000
Hotels
All
1,000
Railroads
All
300
Restaurants
All
300
Special Hotels
All
1,500
Special Restaurants
All
500
Supermarkets/Grocery Stores
5411
Travel Agencies
All
500
All Other Merchants
All
100
Effective Date

Table C-2

C-5
Table C-8
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
Railroads
All
All
Hotels
All
Special Hotels
All
Restaurants
All
Special Restaurants
All
Travel Agencies
All
Hospitals
All

Classified
7399
Telecommunications Services
4814
Computer Network/Information
Services
4816
All Other Merchants
All
75
Dating and Escort Services
7273
All
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
910
910
Railroads
All
255
255
All
470
470
Hotels
All
910
910
Special Hotels
All
2,180
2,180
Restaurants
All
365
365
Special Restaurants
All
725
725
Travel Agencies
All
910
910
Hospitals
All
910
910
All Other Merchants
All
470
470
All
40
Table C-9
C-6
AUSTRALIA (Dollar)
Chip Floor
Limit
Effective Date

Table C-2
AUSTRIA ()
Effective Date

Table C-2

15 May 2013
Table C-10
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
300
Railroads
All
56
All
150
Hotels
All
300
Special Hotels
All
570
Restaurants
All
100
Special Restaurants
All
190
Travel Agencies
All
300
Hospitals
All
300
All Other Merchants
All
100
All
Table C-11
15 May 2013
BAHRAIN (Dinar)
Chip Floor
Limit
Effective Date

Table C-2
BANGLADESH (Taka)
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
15,000
Railroads
All
4,000
All
6,000
Hotels
All
15,000
Special Hotels
All
30,000
Restaurants
All
4,000
Special Restaurants
All
10,000
Travel Agencies
All
12,000
Hospitals
All
10,000
All Other Merchants
All
3,000
All
Chip Floor
Limit
Effective Date

Table C-2

C-7
Table C-12
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
745
745
Virgin Express
3188
745
Railroads
All
175
175
All
310
310
Hotels
All
620
620
Special Hotels
All
2,230
2,230
Restaurants
All
250
250
Special Restaurants
All
745
745
Travel Agencies
All
745
745
Hospitals
All
620
620
All Other Merchants
All
250
250
All
40

Table C-2
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
200,000
Railroads
All
50,000
All
75,000
Hotels
All
165,000
Special Hotels
All
480,000
Restaurants
All
90,000
Special Restaurants
All
165,000
Travel Agencies
All
150,000
Hospitals
All
165,000
All Other Merchants
All
90,000
All
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
Railroads
All
All
Hotels
All
Special Hotels
All
Restaurants
All
Table C-13
Table C-14
C-8
BELGIUM ()
Effective Date
BENIN (CFA Franc)

Table C-2
BRAZIL (US Dollar)

Chip Floor
Limit
Effective Date

15 May 2013
Table C-14
Merchant Type
MCC
Non-Chip
Floor Limit
Special Restaurants
All
Travel Agencies
All
Hospitals
All
All Other Merchants
All
All
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
Railroads
All
All
Hotels
All
Special Hotels
All
Restaurants
All
Special Restaurants
All
Travel Agencies
All
Hospitals
All
4784
25
Duty Free Stores
5309
375
5814
25
Parking Lots and Garages
7523
25
7832
25
All Other Merchants
All
All
Table C-15
Table C-16
15 May 2013
BRAZIL (US Dollar) (Continued)

Chip Floor
Limit
Effective Date

Table C-2
BRUNEI (Dollar)
Chip Floor
Limit
Effective Date

Table C-2
BURKINA FASO (CFA Franc)
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
200,000
Railroads
All
50,000
All
75,000
Hotels
All
165,000
Special Hotels
All
480,000
Restaurants
All
90,000
Special Restaurants
All
165,000
Travel Agencies
All
150,000
Chip Floor
Limit
Effective Date

C-9
Table C-16
Merchant Type
MCC
Non-Chip
Floor Limit
Hospitals
All
165,000
All Other Merchants
All
90,000
All
Table C-17
Chip Floor
Limit
Effective Date

Table C-2
CAMBODIA (US Dollar)
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
Railroads
All
All
Hotels
All
Special Hotels
All
Restaurants
All
Special Restaurants
All
Travel Agencies
All
Hospitals
All
4784
25
Duty Free Stores
5309
150
5814
25
7523
25
7832
25
All Other Merchants
All
All
Table C-18
C-10
BURKINA FASO (CFA Franc) (Continued)
Chip Floor
Limit
Effective Date

Table C-2
CAMEROON (CFA Franc)
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
200,000
Railroads
All
50,000
All
75,000
Hotels
All
165,000
Special Hotels
All
480,000
Restaurants
All
90,000
Special Restaurants
All
165,000
Travel Agencies
All
150,000
Chip Floor
Limit
Effective Date

15 May 2013
Table C-18
CAMEROON (CFA Franc) (Continued)
Merchant Type
MCC
Non-Chip
Floor Limit
Hospitals
All
165,000
All Other Merchants
All
90,000
All
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
500
500
Railroads
All
150
150
All
200
200
Hotels
All
300
300
Special Hotels
All
500
500
Restaurants
All
150
150
Special Restaurants
All
350
350
Travel Agencies
All
500
500
Hospitals
All
500
500
Service Stations
5541
50
50
All Other Merchants
All
150
150
Business Services--Not
7399
All
Grocery Stores/Supermarkets
5411
150
Table C-19
Chip Floor
Limit
Effective Date

Table C-2
CANADA (Dollar)
Effective Date

Table C-2
Table C-20 CENTRAL AFRICAN REPUBLIC (CFA Franc)
15 May 2013
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
200,000
Railroads
All
50,000
All
75,000
Hotels
All
165,000
Special Hotels
All
480,000
Restaurants
All
90,000
Special Restaurants
All
165,000
Travel Agencies
All
150,000
Hospitals
All
165,000
All Other Merchants
All
90,000
All
Chip Floor
Limit
Effective Date

Table C-2

C-11
Table C-21
CHAD (CFA Franc)
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
200,000
Railroads
All
50,000
All
75,000
Hotels
All
165,000
Special Hotels
All
480,000
Restaurants
All
90,000
Special Restaurants
All
165,000
Travel Agencies
All
150,000
Hospitals
All
165,000
All Other Merchants
All
90,000
All
Chip Floor
Limit
Effective Date

Table C-2
Table C-22 CHILE (Default Floor Limit)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines and Air Carriers, Not

Listed Elsewhere
4511
Default Floor
Limits
Default Floor
Limits
Default Floor
Limits
Chip Floor
Limit
All Other Categories
Table C-23
C-12
Effective Date
CHINA (Renminbi)
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
Railroads
All
All
Hotels
All
Special Hotels
All
Restaurants
All
Special Restaurants
All
Travel Agencies
All
Hospitals
All
All Other Merchants
All
Duty Free Stores
5309
1,650
All
Effective Date

Table C-2

15 May 2013
Table C-24 COLOMBIA (US Dollar)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Chip Floor
Limit
Effective Date
The Floor Limit for all Merchant

categories is zero
Table C-25
CONGO (CFA Franc)
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
200,000
Railroads
All
50,000
All
75,000
Hotels
All
165,000
Special Hotels
All
480,000
Restaurants
All
90,000
Special Restaurants
All
165,000
Travel Agencies
All
150,000
Hospitals
All
165,000
All Other Merchants
All
90,000
All

Table C-2
Table C-26 COSTA RICA (Colon)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Chip Floor
Limit
Effective Date

categories is zero
Table C-27
15 May 2013
CROATIA (Croatia Kuna)
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
2,000
Railroads
All
500
All
1,000
Hotels
All
3,000
Special Hotels
All
8,000
Restaurants
All
1,000
Special Restaurants
All
2,000
Travel Agencies
All
2,000

C-13
Table C-27
CROATIA (Croatia Kuna) (Continued)
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Hospitals
All
2,000
All Other Merchants
All
500
All
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
430
430
Railroads
4011
115
115
All
260
260
Hotels
All
430
430
Special Hotels
All
1550
1550
Restaurants
5812
175
175
Special Restaurants
5812
520
520
Travel Agencies
4722
430
430
Hospitals
8062
430
430
All Other Merchants
All
175
175
5542
All
Effective Date

Table C-2
Table C-28 CYPRUS ()

Effective Date
175
0
40
From 1 January 2008

Table C-2
Effective Date
Table C-29 CZECH REPUBLIC (Czech Crown)
C-14
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
15,000
15,000
Railroads
All
5,000
5,000
All
7,000
7,000
Hotels
All
15,000
15,000
Special Hotels
All
45,000
45,000
Restaurants
All
4,000
4,000
Special Restaurants
All
15,000
15,000
Travel Agencies
All
15,000
15,000
Hospitals
All
15,000
15,000
All Other Merchants
All
5,000
5,000

15 May 2013
Table C-29 CZECH REPUBLIC (Czech Crown) (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
All
1,000
1,000
15 October 2011
4111
4112
4131
4784
7523
1,000
1,000
15 October 2011
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
5,500
5,500
Railroads
All
900
900
All
1,800
1,800
Hotels
All
3,200
3,200
Special Hotels
All
16,500
16,500
Restaurants
All
1,400
1,400
Special Restaurants
All
5,500
5,500
Travel Agencies
All
5,500
5,500
Hospitals
All
3,200
3,200
All Other Merchants
All
1,400
1,400
Music Stores--Musical
Instruments, Pianos, and Sheet
Music
5733
1,400
All
250
250
15 October 2011
250
250
15 October 2011
Chip Floor
Limit
Effective Date
Terminals (excluding MCC 4111,
4112, 4131, 4784 and 7523)
Terminals
Table C-30 DENMARK (Krona)
4112, 4131, 4784 and 7523)
Terminals
Table C-31
4111
4112
4131
4784
7523
DOMINICAN REPUBLIC (Peso)
Merchant Type
MCC
Non-Chip
Floor Limit

categories is zero
15 May 2013

C-15
Table C-32
ECUADOR (US Dollar)
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
190
190
Railroads
All
35
35
All
60
60
Hotels
All
60
60
Special Hotels
All
60
60
Restaurants
All
35
35
Special Restaurants
All
35
35
Travel Agencies
All
190
190
Hospitals
All
35
35
All Other Merchants
All
35
35
All
30
30
15 October 2011
30
30
15 October 2011

categories is zero
Table C-33
EL SALVADOR (US Dollar)
Merchant Type
categories is zero
Table C-34 ESTONIA ()
4112, 4131, 4784 and 7523)
Terminals
C-16
4111
4112
4131
4784
7523

15 May 2013
Table C-35
FIJI (Dollar)
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
800
Railroads
All
150
All
250
Hotels
All
1,145
Special Hotels
All
1,800
Restaurants
All
300
Special Restaurants
All
600
Travel Agencies
All
800
Hospitals
All
1,145
All Other Merchants
All
300
All
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
505
505
Railroads
All
100
100
All
170
170
Hotels
All
335
335
Special Hotels
All
1,600
1,600
Restaurants
All
135
135
Special Restaurants
All
505
505
Travel Agencies
All
505
505
Hospitals
All
335
335
All Other Merchants
All
135
135
All
40
Telecommunications Equipment
4812
135
Effective Date

Table C-2
Table C-36 FINLAND ()
15 May 2013
Effective Date

Table C-2

C-17
Table C-37
C-18
FRANCE ()
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
570
570
Air France
3007
Railroads
All
130
130
All
310
310
Hotels
All
230
230
Special Hotels
All
1,530
1,530
Restaurants
All
230
230
Special Restaurants
All
540
540
Travel Agencies
All
310
310
Hospitals
All
190
190
4784
40
40
Department Stores
5311
190
190
5411
130
130
0763
130
130
Ambulance Services
4119
190
190
5231
130
130
Hardware Stores
5251
130
130
5200
Garden and Lawn Supply Stores-Nurseries
5261
130
130
Variety Stores
5331
190
190
Freezer and Locker Meat

Provisioners
5422
130
130
Electronic Sales
5732
130
130
Drug Stores
5912
190
190
Clock, Jewelry, Silverware, Watch

Stores
5944
130
130
Camera and Photographic Supply

Stores
5946
130
130
Direct Marketing--Combination
Catalog and Retail Merchants
5965
100
Computer Programming,
Integrated Systems and Design
Services
7372
100
5734
100
Florists
5992
130
130
Dance Halls, Studios, and

Schools
7911
130
130
Theatrical Productions (except

Motion Pictures) and Ticket
Agencies
7922
130
130
Effective Date

15 May 2013
Table C-37
FRANCE () (Continued)
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Membership Clubs
7997
190
190
Amusement and Recreation

Services
7999
190
190
Doctors
8011
190
190
Dentists, Orthodontists
8021
190
190
Nursing and Personal Care

Facilities
8050
190
190
Dental Laboratories
8071
190
190
Professional Services, Not

8999
130
130
All Other Merchants
All
100
100
All
40

Table C-2
Chip Floor
Limit
Effective Date
Table C-38 FRENCH POLYNESIA (CFP Franc)

Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
120,000
Railroads
All
15,000
All
50,000
Hotels
All
90,000
Special Hotels
All
200,000
Restaurants
All
22,000
Special Restaurants
All
80,000
Travel Agencies
All
120,000
Hospitals
All
90,000
All Other Merchants
All
30,000
All

Table C-2
Table C-39 GABON (CFA Franc)
15 May 2013
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
200,000
Railroads
All
50,000
All
75,000
Hotels
All
165,000
Special Hotels
All
480,000
Restaurants
All
90,000
Special Restaurants
All
165,000
Chip Floor
Limit
Effective Date

C-19
Table C-39 GABON (CFA Franc) (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Travel Agencies
All
150,000
Hospitals
All
165,000
All Other Merchants
All
90,000
All
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
765
765

Listed Elsewhere
4511
765
Alitalia
3013
765
Oman Aviation Services
3183
765
Railroads
All
255
255
All
305
305
Hotels
All
615
615
Special Hotels
All
2,300
2,300
Restaurants
All
255
255
Special Restaurants
All
765
765
Travel Agencies
All
615
615
Hospitals
All
615
615
Miscellaneous General
Merchandise
5399
255
4814
255
Professional Services, Not

8999
255
All Other Merchants
All
255
255
5912
50
Service Stations
5541
50
50
Betting, including Lottery Tickets,

Casino Gaming Chips, Off-Track
Betting, and Wagers at Race
Tracks
7995
255
All
40
Effective Date

Table C-2
Table C-40 GERMANY ()
C-20
Effective Date

Table C-2

15 May 2013
Table C-41
GIBRALTAR ()
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
400
400
Railroads
All
120
120
All
200
200
Hotels
All
400
400
Special Hotels
All
1,170
1,170
Restaurants
All
120
120
Special Restaurants
All
400
400
Travel Agencies
All
400
400
Hospitals
All
400
400
All Other Merchants
All
120
120
All
40

Table C-2
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
240
240

Listed Elsewhere
4511
240
Railroads
All
25
25
All
120
120
Hotels
All
240
240
Special Hotels
All
585
585
Restaurants
All
75
75
Special Restaurants
All
205
205
Travel Agencies
All
240
240
Hospitals
All
240
240
5411
40
40
Service Stations
5541
40
40
5651
55
55
All Other Merchants
All
75
75
All
40
Health and Beauty Spas
7298
Men's and Boys' Clothing and

Accessories Stores
5611
55
55
Men's and Women's Clothing

Stores
5691
55
55
Shoe Stores
5661
55
55
Table C-42 GREECE ()
15 May 2013

Table C-2

C-21
Table C-43 GREENLAND (Danish Krona)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
400
400
Railroads
All
120
120
All
200
200
Hotels
All
400
400
Special Hotels
All
1,170
1,170
Restaurants
All
120
120
Special Restaurants
All
400
400
Travel Agencies
All
400
400
Hospitals
All
400
400
All Other Merchants
All
120
120
All
40
40
15 October 2011
40
40
15 October 2011
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Chip Floor
Limit
Effective Date
4112, 4131, 4784 and 7523)
Terminals
4111
4112
4131
4784
7523
Effective Date
Table C-44 GUATEMALA (Quetzal)

Merchant Type
MCC

categories is zero
Table C-45 HONDURAS (Lempiras)

Merchant Type
MCC

categories is zero
Table C-46 HONG KONG (Dollar)
C-22
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
Railroads
All
All
Hotels
All
Special Hotels
All

15 May 2013
Table C-46 HONG KONG (Dollar) (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Restaurants
All
Special Restaurants
All
Travel Agencies
All
Hospitals
All
5411
All Other Merchants
All
Duty Free Stores
5309
750
All
Chip Floor
Limit
Effective Date
Effective Date
Table C-47 HUNGARY (Forints)
15 May 2013
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
50,000
50,000
Railroads
All
20,000
20,000
All
50,000
50,000
Hotels
All
50,000
50,000
Special Hotels
All
150,000
150,000
Restaurants
All
20,000
20,000
Special Restaurants
All
30,000
30,000
Travel Agencies
All
50,000
50,000
Hospitals
All
50,000
50,000
Medical Services and Health

Practitioners--Not Elsewhere
Classified
8099
20,000
20,000
All Other Merchants
All
20,000
20,000
4121
5,000
5,000
Courier Services--Air or Ground

and Freight Forwarders
4215
5,000
5,000
Variety Stores
5331
5,000
5,000
5411
5,000
5,000
Service Stations
5541
Automated Fuel Dispenser
5542
Record Stores
5735
5,000
5,000
Drinking Places (Bars, Taverns

Nightclubs, Cocktail Lounges,
and Discotheques)
5813
5912
5,000
5,000

C-23
Table C-47 HUNGARY (Forints) (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Direct Marketing/Direct
Marketers--Not Elsewhere
Classified
5969
Florists
5992
5,000
5,000
5994
5,000
5,000
Miscellaneous and Speciality

Retail Stores
5999
Theatrical Producers (Except

Motion Pictures) and Ticket
Agencies
7922
5,000
5,000
All
8,200
8,200
15 October 2011
4111
4112
4131
4784
7523
8,200
8,200
15 October 2011
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
36,000
36,000
Railroads
All
9,000
9,000
All
18,000
18,000
Hotels
All
30,000
30,000
Special Hotels
All
90,000
90,000
Restaurants
All
12,000
12,000
Special Restaurants
All
30,000
30,000
Travel Agencies
All
30,000
30,000
Hospitals
All
30,000
30,000
Services
All
15,000
All Other Merchants
All
15,000
15,000
4112, 4131, 4784 and 7523)
Terminals
Effective Date
Table C-48 ICELAND (Krona)
C-24

15 May 2013
Table C-48 ICELAND (Krona) (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
All
2,700
2,700
15 October 2011
4111
4112
4131
4784
7523
2,700
2,700
15 October 2011
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
Railroads
All
All
Hotels
All
Special Hotels
All
Restaurants
All
Special Restaurants
All
Travel Agencies
All
Hospitals
All
4784
1,250
Duty Free Stores
5309
10,000
Service Stations
5541
1,000
5814
1,250
7523
1,250
7832
1,250
All Other Merchants
All
All
4112, 4131, 4784 and 7523)
Terminals
Table C-49 INDIA (Rupee)
15 May 2013

Table C-2

C-25
Table C-50 INDONESIA (Indonesian Rupiah)

Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
Railroads
All
All
Hotels
All
Special Hotels
All
Restaurants
All
Special Restaurants
All
Travel Agencies
All
Hospitals
All
4784
240,000
240,000
Duty Free Stores
5309
950,000
950,000
5814
240,000
240,000
7832
240,000
240,000
All Other Merchants
All
All
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
500
500
Railroads
All
150
150
All
600
600
Hotels
All
1,000
1,000
Special Hotels
All
1,500
1,500
Restaurants
All
300
300
Special Restaurants
All
500
500
Travel Agencies
All
500
500
Hospitals
All
750
750
Direct Marketing--Inbound
5967
50
4814
200
Computer Software Services
5734
200
Recreational Services
7999
200
Professional Services
8999
200
All Other Merchants
All
200
200
5912
200
Table C-51
C-26
Chip Floor
Limit
Effective Date

Table C-2
ISRAEL (US Dollar)

Effective Date

15 May 2013
Table C-51
ISRAEL (US Dollar) (Continued)
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Betting, Including Lottery Tickets,

Tracks
7995
200
All
40
40
15 October 2011
4111
4112
4131
4784
7523
40
40
15 October 2011
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
515
515

Listed Elsewhere
4511
515
Alitalia
3013
515
Railroads
4011
130
Passenger Railways
4112
130
130
All
260
260
Hotels
All
440
440
Special Hotels
All
1,500
1,500
Restaurants
All
130
130
Special Restaurants
All
505
505
Travel Agencies
All
515
515
4722
515
Hospitals
All
440
440
4784
40
40
Merchandise
5399
130
Recreational Services
7999
130
Financial Institutions-Merchandise and Services
6012
130
Government Services, Not

9399
130
4112, 4131, 4784 and 7523)
Terminals
Effective Date
Table C-52 ITALY ()
15 May 2013

C-27
Table C-52 ITALY () (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
All Other Merchants
All
130
130
All
40
Service Stations
5541
130
Chip Floor
Limit
Table C-53
Effective Date

Table C-2
IVORY COAST (CFA Franc)
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
200,000
Railroads
All
50,000
All
75,000
Hotels
All
165,000
Special Hotels
All
480,000
Restaurants
All
90,000
Special Restaurants
All
165,000
Travel Agencies
All
150,000
Hospitals
All
165,000
All Other Merchants
All
90,000
All
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
180,000
180,000
Railroads
All
100,000
100,000
Railroads
4011
100,000
All
100,000
Hotels
All
300,000
300,000
Special Hotels
All
375,000
Restaurants
All
100,000
Special Restaurants
All
100,000
Travel Agencies
All
180,000
Hospitals
All
300,000
Department Stores
5311
30,000
Electronic Sales
5732
30,000
All Other Merchants
All
30,000
All
Effective Date

Table C-2
Table C-54 JAPAN (Yen)
C-28
Effective Date

Table C-2

15 May 2013
Table C-54 JAPAN (Yen) (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
4784
30,000
Passenger Railways
4112
4121
30,000
Grocery Stores and

Supermarkets
5411
30,000
Merchandise
5399
30,000
Miscellaneous Speciality Retail
5999
30,000
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
1,000
Railroads
All
200
All
500
Hotels
All
1,000
Special Hotels
All
1,500
Restaurants
All
300
Special Restaurants
All
400
Travel Agencies
All
1,000
Hospitals
All
1,000
All Other Merchants
All
200
All
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
150
150
Kuwait Air
3038
150

Listed Elsewhere
4511
150
Railroads
All
40
40
All
75
75
Hotels
All
50
50
Special Hotels
All
100
100
Restaurants
All
50
50
Special Restaurants
All
100
100
Travel Agencies and Tour

Operators
4722
100
Table C-55
Effective Date
KENYA (US Dollar)

Effective Date

Table C-2
Table C-56 KUWAIT (Dinar)
15 May 2013
Effective Date

C-29
Table C-56 KUWAIT (Dinar) (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Hospitals
All
100
100
All Other Merchants
All
25
25
Supermarkets
All
50
50
5542
25
Direct MarketingTravel-Related
Arrangement Services (Excluding
Travel Agencies)
5962
5966
Direct MarketingInbound
Teleservices Merchants
5967
All

Table C-2
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
Railroads
All
All
Hotels
All
Special Hotels
All
Restaurants
All
Special Restaurants
All
Travel Agencies
All
Hospitals
All
4784
25
Duty Free Stores
5309
150
5814
25
7523
25
7832
25
All Other Merchants
All
All
Table C-57
C-30
Effective Date
LAOS (US Dollar)

Table C-2

15 May 2013
Table C-58 LATVIA ()

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
400
400
Railroads
All
120
120
All
200
200
Hotels
All
400
400
Special Hotels
All
1,170
1,170
Restaurants
All
120
120
Special Restaurants
All
400
400
Travel Agencies
All
400
400
Hospitals
All
400
400
Computer Software Services
5734
120
All Other Merchants
All
120
120
All
40

Table C-2
Chip Floor
Limit
Effective Date
Table C-59 LEBANON (US Dollar)

Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
500
Railroads
All
150
All
250
Hotels
All
500
Special Hotels
All
1,500
Restaurants
All
150
Special Restaurants
All
500
Travel Agencies
All
500
Hospitals
All
500
All Other Merchants
All
150
All

Table C-2
Table C-60 LIECHTENSTEIN ()
15 May 2013
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
400
400
Railroads
All
120
120
All
200
200
Hotels
All
400
400
Special Hotels
All
1,170
1,170
Restaurants
All
120
120
Effective Date

C-31
Table C-60 LIECHTENSTEIN () (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Special Restaurants
All
400
400
Travel Agencies
All
400
400
Hospitals
All
400
400
All Other Merchants
All
120
120
All
40

Table C-2
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
400
400
Railroads
All
120
120
All
200
200
Hotels
All
400
400
Special Hotels
All
1,170
1,170
Restaurants
All
120
120
Special Restaurants
All
400
400
Travel Agencies
All
400
400
Hospitals
All
400
400
All Other Merchants
All
120
120
All
40

Table C-2
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
745
745
Railroads
All
175
175
All
310
310
Hotels
All
620
620
Special Hotels
All
2,230
2,230
Restaurants
All
250
250
Special Restaurants
All
745
745
Travel Agencies
All
745
745
Hospitals
All
620
620
Medical Services and Health

Practitioners, Not Elsewhere
Classified
8099
620
4812
250
Table C-61
Effective Date
LITHUANIA ()
Table C-62 LUXEMBOURG ()
C-32

15 May 2013
Table C-62 LUXEMBOURG () (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
All Other Merchants
All
250
250
All
40
Betting, Including Lottery Tickets,

Tracks
7995
250
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
Railroads
All
All
Hotels
All
Special Hotels
All
Restaurants
All
Special Restaurants
All
Travel Agencies
All
Hospitals
All
All Other Merchants
All
Duty Free Stores
5309
750
All
Effective Date

Table C-2
Table C-63 MACAU (Pataca)

Effective Date

Table C-2
Table C-64 MALAYSIA (Ringgit)
15 May 2013
Merchant Type
MCC
Non-Chip
Floor Limit
Duty Free Stores
5309
375
Airlines
All
Railroads
All
All
Hotels
All
Special Hotels
All
Restaurants
All
Special Restaurants
All
Travel Agencies
All
Chip Floor
Limit
Effective Date

C-33
Table C-64 MALAYSIA (Ringgit) (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Hospitals
All
All Other Merchants
All
All
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
200,000
Railroads
All
50,000
All
75,000
Hotels
All
165,000
Special Hotels
All
480,000
Restaurants
All
90,000
Special Restaurants
All
165,000
Travel Agencies
All
150,000
Hospitals
All
165,000
All Other Merchants
All
90,000
All
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
585
585
Railroads
4011
All
470
470
Hotels
All
700
700
Special Hotels
All
1050
1050
Restaurants
5812
140
140
Special Restaurants
5812
470
470
Travel Agencies
All
470
470
Hospitals
8062
700
700
All Other Merchants
All
140
140
All
40
Effective Date

Table C-2
Table C-65 MALI (CFA Franc)

Chip Floor
Limit
Effective Date

Table C-2
Table C-66 MALTA ()
C-34
Effective Date

Table C-2

15 May 2013
Table C-67 MAURITIUS (Rupee)

Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
3,000
Railroads
All
2,000
All
1,000
Hotels
All
10,000
Special Hotels
All
10,000
Restaurants
All
1,500
Special Restaurants
All
2,500
Travel Agencies
All
3,000
Hospitals
All
10,000
All Other Merchants
All
1,000
All
Chip Floor
Limit
Effective Date

Table C-2
Table C-68 MEXICO (US Dollar)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
400
400
Railroads
All
120
120
All
200
200
Hotels
All
400
400
Special Hotels
All
1,170
1,170
Restaurants
All
120
120
Special Restaurants
All
400
400
Travel Agencies
All
400
400
Hospitals
All
400
400
All Other Merchants
All
120
120
All
40

categories is zero
Table C-69 MONACO ()
15 May 2013

Table C-2

C-35
Table C-70 MONTENEGRO ()

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Chip Floor
Limit
Effective Date

categories is zero
Table C-71
MOROCCO (Dirham)
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
5,000
Railroads
All
1,000
All
2,000
Hotels
All
2,500
Special Hotels
All
15,000
Restaurants
All
1,000
Special Restaurants
All
5,000
Travel Agencies
All
5,000
Hospitals
All
2,500
All Other Merchants
All
1,500
All
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
25,000
Railroads
All
5,000
All
9,000
Hotels
All
25,000
Special Hotels
All
45,000
Restaurants
All
6,000
Special Restaurants
All
15,000
Travel Agencies
All
15,000
Hospitals
All
15,000
All Other Merchants
All
5,000
All

Table C-2
Table C-72 NEPAL (Rupee)
C-36
Chip Floor
Limit
Effective Date

Table C-2

15 May 2013
Table C-73
NETHERLANDS ()
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
770
770

Listed Elsewhere
4511
100
100
Railroads
All
250
250
All
270
270
Hotels
All
590
590
Special Hotels
All
2,270
2,270
Restaurants
All
250
250
Special Restaurants
All
770
770
Travel Agencies
All
770
Hospitals
All
590
590
Direct Marketing--Inbound
5967
45
Business Services--Not
7399
250
Services
4816
250
All Other Merchants
All
250
250
All
40

Table C-2
Chip Floor
Limit
Effective Date
Table C-74 NEW ZEALAND (Dollar)
15 May 2013
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
1,000
Railroads
All
300
All
500
Hotels
All
1,000
Special Hotels
All
3,200
Restaurants
All
500
Special Restaurants
All
1,000
Travel Agencies
All
1,000
Hospitals
All
1,000
All Other Merchants
All
300
All

Table C-2

C-37
Table C-75
NORWAY (Krone)
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
4,500
4,500
Norwegian Air Shuttle
3211
4,500
Railroads
All
850
850
All
1,600
1,600
Hotels
All
3,000
3,000
Special Hotels
All
13,000
13,000
4812
1,500
Restaurants
All
1,500
1,500
Special Restaurants
All
4,500
4,500
Travel Agencies
All
4,500
4,500
Hospitals
All
3,000
3,000

Stores
5691
1,500
All Other Merchants
All
1,500
1,500
All
265
265
15 October 2011
15 October 2011
4112, 4131, 4784 and 7523)
Terminals
4111
4112
4131
4784
7523
265
265
Management Consulting and

Public Relation Services
7392
1,500

Tracks
7995
Effective Date
1,500
Table C-76 PAKISTAN (Rupee)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date

categories is zero
Table C-77
PANAMA (US Dollar)
Merchant Type
MCC

categories is zero
C-38

15 May 2013
Table C-78 PHILIPPINES (Philippine Peso)

Merchant Type
MCC
Non-Chip
Floor Limit
Duty Free Stores
5309
9,000
All Other Merchants
All
Chip Floor
Limit
Effective Date
Effective Date
Table C-79 POLAND (Polish Zlotys)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
2,000
2,000
Railroads
All
150
150
All
600
600
Hotels
All
1,000
1,000
Special Hotels
All
2,000
2,000
Restaurants
All
250
250
Special Restaurants
All
500
500
Travel Agencies
All
1,000
1,000
Hospitals
All
1,000
1,000
All Other Merchants
All
250
250
All
127
127
15 October 2011
15 October 2011
4112, 4131, 4784 and 7523)
Terminals
4111
4112
4131
4784
7523
127
127
Supermarkets
5411
300
300
Service Stations
5541
200
200
Sport Shops
All
200
200
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
500
500
Railroads
All
100
100
All
250
250
Hotels
All
500
500
Special Hotels
All
1,320
1,320
Restaurants
All
150
150
Special Restaurants
All
450
450
Table C-80 PORTUGAL ()
15 May 2013
Effective Date

C-39
Table C-80 PORTUGAL () (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Travel Agencies
All
500
500
Hospitals
All
500
500
All Other Merchants
All
100
100
All
40

Table C-2
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
3,000
Railroads
All
560
All
2,000
Hotels
All
3,000
Special Hotels
All
5,500
Restaurants
All
800
Special Restaurants
All
1,800
Travel Agencies
All
3,000
Hospitals
All
3,000
All Other Merchants
All
800
All
Table C-81
Effective Date
PUERTO RICO (US Dollar)
Merchant Type
categories is zero
Table C-82 QATAR (Riyal)

Table C-2
Table C-83 REPUBLIC OF IRELAND ()
C-40
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
635
635
Railroads
All
125
125
All
445
445
Hotels
All
635
635
Special Hotels
All
1,905
1,905
Restaurants
All
190
190
Special Restaurants
All
635
635
Travel Agencies
All
380
380
Effective Date

15 May 2013
Table C-83 REPUBLIC OF IRELAND () (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Hospitals
All
635
635

Tracks
7995
190
4814
190
4812
190
5734
190
Record Stores
5735
190
Miscellaneous Speciality Stores
5999
190
Video Game Arcades and

Establishments
7994
190
All Other Merchants
All
190
190
All
40
Aer Lingus
3043
635
Services
4816
190
Chip Floor
Limit
Effective Date

Table C-2
Table C-84 Romania (US Dollar)
15 May 2013
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
250
Railroads
All
20
All
150
Hotels
All
200
Special Hotels
All
300
Restaurants
All
50
Special Restaurants
All
150
Travel Agencies
All
250
Hospitals
All
100
All Other Merchants
All
50
All
Effective Date

Table C-2

C-41
Table C-85 RUSSIAN REPUBLIC (US Dollar)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
200
Railroads
All
50
All
150
Hotels
All
200
Special Hotels
All
200
Restaurants
All
50
Special Restaurants
All
50
Travel Agencies
All
Hospitals
All
100
All Other Merchants
All
50
All
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
400
400
Railroads
All
120
120
All
200
200
Hotels
All
400
400
Special Hotels
All
1,170
1,170
Restaurants
All
120
120
Special Restaurants
All
400
400
Travel Agencies
All
400
400
Hospitals
All
400
400
All Other Merchants
All
120
120
All
40

Table C-2
Chip Floor
Limit
Effective Date

Table C-2
Table C-86 SAN MARINO ()

Effective Date
Table C-87 SAUDI ARABIA (Riyal)
C-42
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
1,725
Railroads
All
518
All
2,070
Hotels
All
2,500
Special Hotels
All
5,500
Restaurants
All
800
Special Restaurants
All
1,850

15 May 2013
Table C-87 SAUDI ARABIA (Riyal)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Travel Agencies
All
1,725
1725
Hospitals
All
2,500
All Other Merchants
All
750
All
Effective Date

Table C-2
Table C-88 SENEGAL (CFA France)

Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
200,000
Railroads
All
50,000
All
75,000
Hotels
All
165,000
Special Hotels
All
480,000
Restaurants
All
90,000
Special Restaurants
All
165,000
Travel Agencies
All
150,000
Hospitals
All
165,000
4814
All Other Merchants
All
90,000
All
Chip Floor
Limit
Effective Date

Table C-2
Table C-89 SEYCHELLES (Rupee)
15 May 2013
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
7,500
Railroads
All
1,000
All
3,000
Hotels
All
4,500
Special Hotels
All
10,800
Restaurants
All
2,000
Special Restaurants
All
3,600
Travel Agencies
All
7,500
Hospitals
All
4,500
All Other Merchants
All
2,000
All
Chip Floor
Limit
Effective Date

Table C-2

C-43
Table C-90 SINGAPORE (Dollar)

Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
Railroads
All
All
Hotels
All
Special Hotels
All
Restaurants
All
Special Restaurants
All
Travel Agencies
All
Hospitals
All
4784
40
Duty Free Stores
5309
375
5814
40
7523
40
All Other Merchants
All
All
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
400
400
Railroads
All
120
120
All
200
200
Hotels
All
400
400
Special Hotels
All
1,170
1,170
Restaurants
All
120
120
Special Restaurants
All
400
400
Travel Agencies
All
400
400
Hospitals
All
400
400
All Other Merchants
All
120
120
All
40

Table C-2
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
400
400
Railroads
All
120
120
All
200
200
Table C-91
Chip Floor
Limit
Effective Date

Table C-2
SLOVAKIA ()
Effective Date
Table C-92 SLOVENIA ()
C-44

15 May 2013
Table C-92 SLOVENIA () (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Hotels
All
400
400
Special Hotels
All
1,170
1,170
Restaurants
All
120
120
Special Restaurants
All
400
400
Travel Agencies
All
400
400
Hospitals
All
400
400
All Other Merchants
All
120
120
All
40

Table C-2
Chip Floor
Limit
Effective Date
Table C-93 SOUTH AFRICA (Rand)

Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
1,000
Railroads
All
800
All
300
Hotels
All
1,500
Special Hotels
All
3,000
Restaurants
All
300
Special Restaurants
All
1,000
Travel Agencies
All
1,000
Hospitals
All
1,500
All Other Merchants
All
300
All

Table C-2
Table C-94 SOUTH KOREA (Won)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
510
510
Railroads
All
130
130
All
120
120
Hotels
All
240
240

categories is zero
Table C-95 SPAIN ()
15 May 2013

C-45
Table C-95 SPAIN () (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Special Hotels
All
1,565
1,565
Restaurants
All
90
90
Special Restaurants
All
480
480
Travel Agencies
All
510
Hospitals
All
240
240
4784
40
40
Iberia
3102
510

Listed Elsewhere
4511
510
Service Stations
5541
50
150
All Other Merchants
All
150
150
All
40
5722
150
Jewelry Stores
5944
150
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
Railroads
All
All
Hotels
All
Special Hotels
All
Restaurants
All
Special Restaurants
All
Travel Agencies
All
Hospitals
All
All Other Merchants
All
Duty Free Stores
5309
25,000
All
Effective Date

Table C-2
Table C-96 SRI LANKA (Rupee)

Effective Date

Table C-2
Table C-97 ST. KITTS & NEVIS (Eastern Caribbean Dollar)
C-46
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
500
500
Railroads
All
150
150
All
250
250
Effective Date

15 May 2013
Table C-97 ST. KITTS & NEVIS (Eastern Caribbean Dollar) (Continued)
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Hotels
All
500
500
Special Hotels
All
1,500
1,500
Restaurants
All
150
150
Special Restaurants
All
500
500
Travel Agencies
All
500
500
Hospitals
All
500
500

Tracks
7995
150
All Other Merchants
All
150
150
All

Table C-2
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
1,200
1,200
Pakistan Airlines
3024
1,200
Railroads
All
650
650
All
1,200
1,200
Hotels
All
1,200
1,200
Special Hotels
All
13,000
13,000
Restaurants
All
1,200
1,200
Special Restaurants
All
4,500
4,500
Travel Agencies
All
1,200
1,200
Hospitals
All
2,500
2,500
All Other Merchants
All
1,200
1,200
All
315
315
15 October 2011
315
315
15 October 2011
Table C-98 SWEDEN (Krona)
4112, 4131, 4784 and 7523)
Terminals
15 May 2013
4111
4112
4131
4784
7523

C-47
Table C-98 SWEDEN (Krona) (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
5734
1,200
4814
1,200
Computer Program, Data

Processing, Integrated Systems,
and Design Services
7372
1,200
Effective Date
Table C-99 SWITZERLAND (Franc)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
1,500
1,500
Railroads
All
800
800
All
Hotels
All
1,000
1,000
Special Hotels
All
3,800
3,800
Restaurants
All
1,000
1,000
Special Restaurants
All
1,300
1,300
Travel Agencies
All
1,500
1,500
Hospitals
All
1,500
1,500
Service Stations
5541
120
120
5542
40
All Other Merchants
All
100
100
All
55
55
15 October 2011
4111
4112
4131
4784
7523
55
55
15 October 2011
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
Railroads
All
All
Hotels
All
Special Hotels
All
Restaurants
All
3,000
4112, 4131, 4784 and 7523)
Terminals
Effective Date
Table C-100 TAIWAN (Dollar)
C-48

15 May 2013
Table C-100 TAIWAN (Dollar) (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Special Restaurants
All
Travel Agencies
All
Hospitals
All
Duty Free Stores
5309
8,000
8,000
Department Stores
5311
3,000
Grocery Stores and

Supermarkets
5411
3,000
Miscellaneous Food Stores:

Convenience Stores and
Speciality Markets
5499
3,000
Service Stations
5541
3,000
All Other Merchants
All
All

Table C-2
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Airlines
All
Railroads
All
Hotels
All
All
Special Hotels
All
Restaurants
All
Special Restaurants
All
Travel Agencies
All
Hospitals
All
Duty Free Stores
5309
4,000
Service Stations
5541
Tailors and Seamstresses
5697
Home Furnishing Speciality

Stores
5712
Speciality Retail Stores
5999
All Other Merchants
All
All
Table C-101 THAILAND (Baht)
15 May 2013

Table C-2

C-49
Table C-102 TOGO (CFA Franc)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
200,000
Railroads
All
50,000
All
75,000
Hotels
All
165,000
Special Hotels
All
480,000
Restaurants
All
90,000
Special Restaurants
All
165,000
Travel Agencies
All
150,000
Hospitals
All
165,000
All Other Merchants
All
90,000
All
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
425
Railroads
All
125
All
250
Hotels
All
425
Special Hotels
All
1,285
Restaurants
All
125
Special Restaurants
All
415
Travel Agencies
All
425
Hospitals
All
425
All Other Merchants
All
250
All
Book Stores
5942
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
15
15
Railroads
All
All
10
10.
Hotels
All
10
10
Special Hotels
All
600
600
Restaurants
All
Effective Date

Table C-2
Table C-103 TUNISIA (Dinar)

Chip Floor
Limit
Effective Date

Table C-2
Table C-104 TURKEY (Lira)
C-50
Effective Date

15 May 2013
Table C-104 TURKEY (Lira) (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Special Restaurants
All
Travel Agencies
All
Hospitals
All
15
15
All Other Merchants
All
All
55
55
15 October 2011
55
55
15 October 2011
Effective Date
4112, 4131, 4784 and 7523)
Terminals
4111
4112
4131
4784
7523
Effective Date
Table C-105 UKRAINE Hryvnia (UAH)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
2,390
2,390
Railroads
4011
715
715
Passenger Railways
4112
715
715
All
1,195
1,195
Hotels
All
2,390
2,390
Special Hotels
All
7,165
7,165
Restaurants
5812
715
715
5814
715
715
Special Restaurants
All
2,390
2,390
Travel Agencies
All
2,390
2,390
Hospitals
All
2,390
2,390
All Other Merchants
All
715
715
Cigar Stores/Stands
5933
Table C-106 UNITED ARAB EMIRATES (Dirham)
15 May 2013
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
3,000

Listed Elsewhere
4511
Railroads
All
560
All
2,000
Chip Floor
Limit
Effective Date

C-51
Table C-106 UNITED ARAB EMIRATES (Dirham) (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Hotels
All
3,000
Special Hotels
All
5,500
Restaurants
All
800
Special Restaurants
All
1,900
Travel Agencies
All
3,000
Hospitals
All
3,000
4814
All Other Merchants
All
800
All
Chip Floor
Limit
Effective Date

Table C-2
Table C-107 UNITED KINGDOM (GB Pound)
C-52
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
400
Railroads
All
100
All
175
Hotels
All
250
Special Hotels
All
1,200
Restaurants
All
45
Special Restaurants
All
400
Travel Agencies
All
400
Hospitals
All
250
British Midland
3111
250
Passenger Railways
4112
100

Equipment, and Software
5045
90
5200
45
5231
45
Discount Stores
5310
45
Department Stores
5311
45
Variety Stores
5331
45
General Merchandise
5399
45
5411
45
Freezer and Locker Meat

Provisioners
5422
45
Men's and Boys' Clothing and

Accessories Stores
5611
45
Women's Ready-to-Wear Stores
5621
25
Effective Date

15 May 2013
Table C-107 UNITED KINGDOM (GB Pound) (Continued)
15 May 2013
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Women's Accessory and

Specialty Shops
5631
25
Children's and Infant's Wear

Stores
5641
25
5651
25
Riding and Sports Apparel
5655
45
Shoe Stores
5661
45

Stores
5691
25
Tailors and Seamstresses
5697
45
Apparel and Accessory Shops-Miscellaneous
5699
45
Electronic Sales
5732
45
5734
45
Record Shops
5735
45
Caterers
5811
45
5814
45
Liquor/Package Stores
5921
25
5941
45
Clock, Jewelry, Silverware, and

Watch Stores
5944
45
Hobby, Toy, and Game Stores
5945
45
Cosmetic Stores
5977
45
Awning and Tent Shops
5998
45
Retail StoresNot Elsewhere

Classified
5999
45
RentalsTools, Equipment, and

Furniture
7394
45
Electronic Repair Shops
7622
45
Clock, Jewelry, and Watch Repair
7631
45
Video Tape Rental Stores
7841
45
All Other Merchants
All
90
All
25
Effective Date

C-53
Table C-107 UNITED KINGDOM (GB Pound) (Continued)

Merchant Type
MCC
4112, 4131, 4784 and 7523)
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
25
15 October 2011
15 October 2011
Terminals
4111
4112
4131
4784
7523
25
25
Computer Program, Data

Processing, Integrated Systems,
and Design Services
7372
90
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Chip Floor
Limit
Effective Date
Table C-108 UNITED STATES (Dollar)

Merchant Type
MCC

categories is zero
Table C-109 URUGUAY (US Dollar)

Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
500
Railroads
All
150
All
250
Hotels
All
1,000
Special Hotels
All
1,500
Restaurants
All
150
Special Restaurants
All
500
Travel Agencies
All
500
Hospitals
All
1,000
All Other Merchants
All
100
All
Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Airlines
All
400
400
Railroads
All
120
120
All
200
200
Hotels
All
400
400

Table C-2
Table C-110 VATICAN CITY ()
C-54
Effective Date

15 May 2013
Table C-110 VATICAN CITY () (Continued)

Merchant Type
MCC
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Special Hotels
All
1,170
1,170
Restaurants
All
120
120
Special Restaurants
All
400
400
Travel Agencies
All
400
400
Hospitals
All
400
400
All Other Merchants
All
120
120
All
40

Table C-2
Non-Chip
Floor Limit
Chip Floor
Limit
Effective Date
Chip Floor
Limit
Effective Date
Table C-111 VENEZUELA (US Dollar)

Merchant Type
MCC

categories is zero
Table C-112 VIETNAM (US Dollar)
15 May 2013
Merchant Type
MCC
Non-Chip
Floor Limit
Airlines
All
Railroads
All
All
Hotels
All
Special Hotels
All
Restaurants
All
Special Restaurants
All
Travel Agencies
All
Hospitals
All
4784
25
Duty Free Stores
5309
150
5814
25
7523
25
7832
25
All Other Merchants
All
All

Table C-2

C-55
Defined Terms
Numerics
3-D Secure
The Authentication Method that is the global authentication standard for Electronic Commerce
Transactions.
Access Control Server (ACS)
Effective until 14 March 2012, a key infrastructure component required to enable 3-D Secure, which
allows Issuers to enrol Cardholders in 3-D Secure and to handle Cardholder Authentication.
Effective from 15 March 2012, a server operated by the Issuer or its Processor that validates
Cardholder participation in the Verified by Visa program, performs Cardholder verification at time of
purchase, and provides other functions as specified in the applicable Verified by Visa Issuer
Implementation Guide.
Account Data Compromise Event
Effective from 15 May 2012, an event in which a security breach puts account data at risk of being
stolen.
Account Funding Transaction
A Transaction that transfers funds from a Cardholders account to another Cardholders account.
Account Number
An Issuer-assigned number that identifies an account in order to post a Transaction.
Account Verification
A message sent by an Acquirer to the Issuer via the Visa System, using a currency unit of zero (0), for
confirmation that a Transaction can be completed using the Card.
Acquirer
A Member that (a) enters into an agreement with a Merchant for the display of any of the Licensed
Marks and the acceptance of Visa Products and Services or (b) disburses currency to a Cardholder,
except in relation to the rules set out in Visa Europe Operating Regulations, Volume IGeneral Rules,
Chapter 7, "Dispute Resolution" and Section 8.6, where Acquirer shall have the meaning set out at
Section 7.1 and Section 8.6 respectively.
Acquirer Activity File
A file that an Acquirer maintains of approved and declined Authorization Requests.
15 May 2013

D-1
Defined Terms
Acquirer Chip Rate

An Interchange Reimbursement Fee specified in Visa Europe Operating Regulations, Volume IGeneral
Rules, Table 8-6, which is charged in respect of International Transactions that meet the Electronic Rate
requirements set out in Visa Europe Operating Regulations, Volume IGeneral Rules, Section 4.17.A.2.a,
and is initiated by a Card that bears a Magnetic Stripe and not a Chip 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 Chip-Reading
Devices that are EMV compliant.
A 23-digit identification number included in a Clearing Record, as specified in the BASE II Clearing and
Settlement manuals and the Visa Europe System Manuals.
Activation and Load Service
A Visa processing service that enables the activation of Prepaid Cards, and the activation of funds
associated with a Load Transaction to a Prepaid Card, at a Prepaid Partner.
Activity File Parameter
A maximum limit that an Issuer establishes on the number and value of Transactions for which VisaNet
may provide Authorization on that Issuers behalf.
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 a Cruise Line provides to a Cardholder, allowing use of a Visa Card or a Visa
Electron Card to pay an advance deposit required by the Merchant to reserve accommodation.
Advance Deposit Transaction
A Transaction that a Hotel or a Cruise Line completes, resulting from a Cardholder's consent to use a
Visa Card or a Visa Electron Card for payment of an advance deposit required by the Merchant to
reserve accommodation.
Advice File
A file listing Authorization Responses issued by the Positive Cardholder Authorization Service on
behalf of Issuers.
Affiliate
With respect to any Person shall mean any other Person controlling or controlled by or under common
Control with such Person.
Aggregated Transaction
A Transaction completed by an Electronic Commerce Merchant that combines multiple purchases
made by the same Cardholder on the same Account Number into a single Transaction as specified in
Visa Europe Operating Regulations, Volume IGeneral Rules, Section 5.4.I, before submitting it for
payment processing.
Aggregated Transaction Receipt
A Transaction Receipt provided to the Cardholder by an Electronic Commerce Merchant when an
Aggregated Transaction is performed.
Airline
A passenger airline Merchant.
D-2

15 May 2013
Defined Terms
Airline Ticket Identifier

A 13-digit number on an Transaction Receipt for a Transaction involving an Airline comprising either:
The servicing carrier code and a transmission control number, excluding the check-digit, if the
Airline ticket is printed on a transitional automated ticket form; or
A carrier number, form number and serial number, excluding the check-digit, if the Airline
ticket is printed on an automated ticket/boarding pass form.
Airline Interchange Reimbursement Fee
An Interchange Reimbursement Fee charged for any Visa Europe Transaction at an Airline using a Card
(excluding Visa Commercial Cards and Cards bearing the V PAY Brand Mark) that meets the
requirements set out in Visa Europe Operating Regulations, Volume IGeneral Rules, Section 8.6.G.1 and
Section 8.6.G.2.
Alert
A message sent by a Visa Alerts Service to a Cardholder by email, SMS (Short Message Service) or
push notification.
Application Label
A name that identifies an application stored on a Card and that is used during application selection
when no Application Preferred Name is associated with that application, as specified in the EMV
Integrated Circuit Card Specifications for Payment Systems and Visa Integrated Circuit Card Specifications.
A name that identifies an application stored on a Card and that is used during application selection, as
specified in the EMV Integrated Circuit Card Specifications for Payment Systems and Visa Integrated Circuit
Card Specifications.
Application Transaction Counter (ATC)
A counter contained in the dynamic data elements of a Visa Smart Payment that incrementally records
the number of Transactions initiated for the Visa Smart Payment since the application was
personalized.
Approval Rate
The number of Approval Responses stated as a percentage of all Authorization Requests processed by
an Issuer set out in Visa Europe Operating Regulations, Volume IGeneral Rules, Table 3-5.
Approval Response
An Authorization Response where the Transaction is approved.
Approved Manufacturer
A manufacturer of Cards that Visa Inc. or Visa Europe certifies or approves to produce one or more
Card products on behalf of an Issuer.
Arbitration
A process whereby financial liability for Transactions processed through Interchange that are
presented and charged back is determined.
Arbitration and Compliance Committee
A committee that resolves certain disputes that arise from Chargebacks or from violations of any rules
governing a Transaction.
Area Net Settlement
A Settlement service participated in by some or all Members within a group of countries sharing a
common currency, to settle Transactions.
15 May 2013

D-3
Defined Terms
Associate Member
A Member, with the participation rights and obligations, as specified in the Visa Europe Membership
Regulations, Section 2.3.
ATM
An Unattended Acceptance Terminal that has Electronic Capability, accepts PINs and disburses
currency.
ATM Acquirer
An Acquirer that provides ATM services.
ATM Cash Disbursement
A Cash Disbursement, obtained at an ATM displaying the Visa Brand Mark, Plus Symbol or Visa
Electron Symbol, for which the Cardholder's PIN is accepted.
ATM Mark
A Mark that denotes ATM acceptance.
ATM Transaction
A Transaction by a Cardholder that takes place at an ATM.
Attempt Response
A message from an Issuer who uses 3-D Secure in response to an Authentication Request from a
Merchant who uses 3-D Secure, indicating that the Cardholder is not participating in 3-D Secure.
Authentication Confirmation
Effective from 15 March 2012, a message from an Issuer who uses 3-D Secure in response to an
Authentication Request, confirming Cardholder authentication.
Authentication Denial
A message from an Issuer who uses 3-D Secure in response to an Authentication Request from a
Merchant who uses 3-D Secure, denying Cardholder authentication.
Authentication Identifier
Effective until 14 March 2012, a unique value for each authentication Transaction, as specified in the
3-D Secure Implementation Guides.
Authentication Mechanism
A Visa Inc.-approved method that validates a participant's identity in an Electronic Commerce
Transaction.
Authentication Method
A protocol that is set by Visa Inc. that establishes the minimum standards for authenticating the
Cardholder in an Electronic Commerce Transaction.
Authentication Record
A record of 3-D Secure authentication status from an Issuer who uses 3-D Secure in response to an
Authentication Request from a Merchant who uses 3-D Secure.
A request for Cardholder authentication from a Merchant who uses 3-D Secure.
D-4

15 May 2013
Defined Terms
Authentication Response
Effective from 15 March 2012, a response to an Authentication Request by an Issuer who uses 3-D
Secure or a response by Visa Inc. or Visa Europe on behalf of that Issuer. Authentication Responses
include, but are not limited to:
Attempt Responses;
Authentication Confirmations;
Authentication Denials; and
Unable-to-Authenticate Responses.
Authorization
The approval of a Transaction by either an Issuer, a Visa System Processor or Stand-In Processing.
Authorization Code
A code that an Issuer or its Visa System Processor, or Stand-In Processing, provides as part of an
Authorization Response to indicate an approval of a Transaction.
Authorization-Only Terminal
A device used at Point-of-Transaction that does not have Point-of-Transaction Capability, but provides
Authorization.
A Merchant's or Acquirer's request for an Authorization.
Authorization Response
An Issuer's reply to an Authorization Request, which may be an Approval Response, a Decline
Response, a Pickup Response or a Referral Response.
Authorization Reversal
A process whereby a Merchant requests cancellation of an Authorization.
Automated Fuel Dispenser
An Unattended Acceptance Terminal that dispenses only fuel.
Balance Inquiry
A Cardholder request for his/her 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 their account balance through the Visa System.
Balance Transaction Receipt
The second Transaction Receipt in a Delayed Delivery Transaction.
BASE II
The VisaNet system that provides deferred Clearing and Settlement services to Members.
15 May 2013

D-5
Defined Terms
Basic Currency Conversion Rate

The Basic Currency Conversion Rate is:
1. for Visa Inc. Transactions, the currency conversion rate selected by Visa Inc. from the range
of rates available in the wholesale currency markets for the applicable Processing Date, which
rate may vary from the rate Visa Inc. itself receives;
2. a) for Visa Europe Transactions where the Member is connected to BASE II, the currency
conversion rate the Member receives is selected by Visa Inc. from the range of rates
available in the wholesale currency markets for the applicable Processing Date, which rate
may vary from the rate Visa Inc. itself receives;
b) for Visa Europe Transactions where the Member is connected to the Visa Europe Clearing
and Settlement Service, the currency conversion rate the Member receives is selected by
Visa Europe from the range of rates available in the wholesale currency markets for the
applicable Processing Date, which rate may vary from the rate Visa Europe itself
receives;
3. a) for International Transactions where the Customer or Member is connected to BASE II,
the currency conversion rate the Customer or Member receives is selected by Visa Inc.
from the range of rates available in the wholesale currency markets for the applicable
Processing Date, which rate may vary from the rate Visa Inc. itself receives;
b) for International Transactions where the Customer or Member is connected to the Visa
Europe Clearing and Settlement Service, the currency conversion rate the Customer or
Member receives is selected by Visa Europe from the range of rates available in the
wholesale currency markets for the applicable Processing Date, which rate may vary from
the rate Visa Europe itself receives; or
4. a government mandated rate in effect for the applicable Processing Date for a Transaction.
NOTE: The government mandated rate could replace any of 1, 2 or 3.
Billing Currency
The currency in which an Issuer bills a Cardholder for Transactions. If the Billing Currency is the euro
or a national currency of a country within the European Union, either may be used for Chargeback or
statementing purposes.
BIN
A 6-digit number assigned by ISO to Visa Inc. and used to identify a Customer, Member or Visa System
Processor for Authorization, Clearing or Settlement processing.
Branch
The office of a Customer or a Member where Manual Cash Disbursements are made and Cards may
also be issued.
Cache
A store of contents of the Visa Directory Server held on the Merchant Plug-In (MPI), enabling the MPI
to determine if a Card is in a 3-D Secure enrolled range without making a query to the Visa Directory
Server.
Card
A payment card, device or any other electronic or virtual product or account, which is capable of
completing a payment transaction and is issued by a Member or a Customer for use in connection with
the Visa Enterprise and bears a Licensed Mark.
Card-Absent Environment
An environment where a Transaction is completed under both of the following conditions:
Cardholder is not present; and
Card is not present.
D-6

15 May 2013
Defined Terms
Card Distribution Point

A location, other than a Branch, where a Card may be issued or distributed.
Cardholder
A Person who is issued with and authorized to use a valid Card.
Cardholder Access Device
A terminal, personal computer or other device that a Cardholder uses to initiate an Electronic
Commerce Transaction.
Cardholder-Activated Transaction
A Transaction that is initiated by a Cardholder at an Unattended Acceptance Terminal.
Cardholder-Activated Transaction Type A
Effective for Transactions with a Transaction Date up to and including 14 October 2011, a CardholderActivated Transaction that has all of the following characteristics:
Is less than US $40, or local currency equivalent;
Is not authorized; and
Has no Cardholder Verification performed.

Cardholder-Activated Transaction Type B
Effective for Transactions with a Transaction Date up to and including 14 October 2011, a
Cardholder-Activated Transaction that has all of the following characteristics:
Is less than US $100, or local currency equivalent;
Is authorized; and
Has no Cardholder Verification performed.

Cardholder-Activated Transaction Type C
Effective for Transactions with a Transaction Date up to and including 14 October 2011, a
Cardholder-Activated Transaction that has both of the following characteristics:
Is authorized; and
Has PIN Verification performed.

Cardholder Agreement
A contract between a Cardholder and an Issuer containing their respective rights, duties and
obligations for participation in the Issuer's Visa Card Program and/or Visa Card Product.
Cardholder Authentication Verification Value
Effective until 14 March 2012, a unique value transmitted by an Issuer in response to an Authentication
Request from a Merchant who uses 3-D Secure.
Effective from 15 March 2012, a unique value transmitted by an Issuer, or by Visa Inc. or Visa Europe,
in response to an Authentication Request.
Cardholder Dispute Chargeback Resolution
A form of resolution which permits the funding of Chargebacks under reason codes 53 or 85 where the
Acquirer is unable to recover the cost of such Chargebacks directly from the Merchant.
Cardholder Inquiry Service
A service that assists a Cardholder in reaching its Issuer when calling the Visa Global Customer Care
Service Sites for account information.
Cardholder Verification
The process of validating a Cardholder's identity through verification of the Cardholder's signature, PIN
or other methods approved by Visa Europe.
15 May 2013

D-7
Defined Terms
Cardholder Verification Limit

Effective from 21 December 2011, the Transaction Amount for Proximity Payments above which
Cardholder Verification must be performed.
Cardholder Verification Method
Instructions encoded within a Chip that define how the authenticity of a Cardholders identity is to be
verified. Effective from 1 March 2012, for Portable Payment Devices, CDCVM is a valid Cardholder
Verification Method.
Cardholder Verification Method List
An Issuer-defined list contained within a Chip establishing the hierarchy of preferences for verifying a
Cardholder's identity.
Card-Present Environment
For International Transactions, an environment that comprises the conditions of either a Face-to-Face
Environment or an Unattended Environment.
For Visa Europe Transactions, an environment that comprises the conditions of either a Face-to-Face
Environment, Semi-Attended Environment or an Unattended Environment.
Card Recovery Bulletin CD-ROM
A composite file containing all Card Recovery Bulletin Listings for a given publication.
Card Recovery Bulletin (CRB)
A directory of blocked Account Numbers and blocked BINs, listed on the Exception File, intended for
distribution to Merchants.
Card Recovery Bulletin Listing
A single Account Number that an Issuer requests to be included in a specific Card Recovery Bulletin
Region.
Card Recovery Bulletin Region
Visa Europe and respectively each of the five Visa Inc. regions existing outside the Territory, which
consist of:
Central and Eastern Europe, Middle East and Africa;
Asia-Pacific;
Canada;
Visa USA Inc.; and
Latin America and Caribbean.

Card Recovery Bulletin Service
A service where an Issuer notifies Acquirers of blocked Account Numbers.
A VisaNet service whereby Visa Europe validates the Card Verification Value in an Authorization
Request on behalf of an Issuer.
Card Verification Value (CVV)
A unique check value that is calculated from the data encoded on the Magnetic Stripe using a secure
cryptographic process and is used to validate Card information during the process of obtaining
Authorization.
Card Verification Value 2 (CVV2)
A unique check value printed on the back of a Card, which is generated using a secure cryptographic
process.
D-8

15 May 2013
Defined Terms
Car Rental Company

A Merchant whose primary business is the rental of passenger vehicles.
Car Rental Reservation Service
A service inside Territory, offered by a Car Rental Company, or their third-party booking agent, to
Cardholders of a Visa Card or Visa Electron Card to reserve vehicles.
Cash-Back
Cash obtained from a Merchant through use of a Card, in conjunction with, and processed as, a Retail
Transaction.
Cash Disbursement
A Transaction under which currency (including travelers cheques) is paid out to a Cardholder using a
Card, excluding Cash-Back.
Cash Disbursement Fee
A fee paid by an Issuer to an Acquirer for performing a Cash Disbursement.
Cash Disbursement Transaction Receipt
A Transaction Receipt evidencing a Manual Cash Disbursement.
CDCVM
Effective from 1 March 2012, a Cardholder Verification Method approved by Visa Europe and
performed on an Electronic Consumer Device to verify a Cardholder's identity. Passcode is a type of
CDCVM.
Central Bank
A government agency responsible for the supervision and operation of banking activities for a national
government.
Centralised Card Issuance
The issue of Cards by a Customer inside the Territory, and by a Member outside the Territory, pursuant
to the Multinational Program.
Certification Authority
An entity that issues and manages Digital Certificates for use with Visa Products and Services in
accordance with Visa Inc.-specified requirements.
Chargeback
A Transaction that an Issuer returns to an Acquirer.
Chargeback Transaction Volume Ratio
The ratio of Chargeback in relation to Transactions that are received by an Acquirer from a single
Merchant, against the total number of Transactions that the Acquirer receives from that Merchant.
Chargeback Period
The number of calendar days from the Endorsement Date or Processing Date, as set out in the Dispute
Resolution Rules, of a Transaction Receipt during which time the Issuer may exercise a Chargeback
right.
Chargeback Reduction Service
A Visa System service that screens Presentments and Chargebacks and returns certain invalid items
to the Acquirer or Issuer, as appropriate.
Chip
An electronic component designed to perform processing or memory functions.
15 May 2013

D-9
Defined Terms
Chip Card
A Card embedded with a Chip that communicates information to a Point-of-Transaction Terminal.
Chip-initiated Transaction
A Transaction using a Chip Card that is both EMV-Compliant and VIS-Compliant that is processed at
a Chip-Reading Device using Full-Chip Data, and limited to Visa Smart Payments.
Chip-Reading
The ability of a device to read and process Transactions from a Payment Application on a Chip Card,
limited in this context to Visa Smart Payments.
Chip-Reading Device
A Point-of-Transaction Terminal capable of reading, communicating and processing Transaction data
from a Chip Card.
Chip Transaction
A Transaction where the Chip on a Chip Card is read by a Chip-Reading Device.
Claim
Any claim, including any claim for personal injury, property losses, damages (including lost profits or
savings, indirect, consequential, special, exemplary, punitive or incidental), losses, penalties, fines,
suits, expenses and costs (including attorneys fees) involving any of the parties set out in the Visa
Europe Operating Regulations, Volume IGeneral Rules, Section 1.11.
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.
Closed Loop
An environment involving Visa Europe Transactions using Cards within the Visa Drive Card Program
only where the Acquirer and Issuer are the same.
Commercial Virtual Account
A Virtual Account used for the same purposes as a Visa Commercial Card.
Common Purchase Point (CPP)
A unique Merchant location where three or more confirmed skimmed counterfeit accounts have had
genuine Cardholder usage within 30 consecutive days or less.
Compelling Evidence
Information or documentation provided in a Representment that attempts to prove that the Cardholder
participated in the Transaction or received goods or services. Such information or documentation does
not mandate that Visa Inc. and its Customers, Visa Europe and its Members, the Issuer, or any other
person conclude, as a matter of fact or law, that the Cardholder participated in the Transaction or
received goods or services.
Compliance
A process whereby disputes that arise from violations of any rules governing a Transaction (when the
requesting Customer or Member can certify that a financial loss has occurred or will occur for a specific
amount), and no Chargeback right is available, are determined.
D-10

15 May 2013
Defined Terms
Contactless Indicator
The Trademark set out below:
Contactless Symbol
The Trademark set out below:
Control
As used with respect to any Person, shall mean the possession, directly or indirectly, of the power to
direct or cause the direction of the management or policies of such Person, whether through the
ownership of voting securities, by agreement or otherwise (the terms controlling, controlled by and
under common control with shall have correlative meanings).
Copy Request
A Retrieval Request that is processed through an Electronic Documentation Transfer Method.
Copy Request Identifier
A unique 12-digit identification number that the Visa System assigns to a Copy Request.
Corporate Imagery
Pictures that are provided by a company issuing Visa Commercial Cards, which are directly related to
that company and specifically exclude advertising and promotion.
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
One of the following:
A device or an 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; or
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
A Transaction using a Counterfeit Card.
Counterfeit Transaction Receipt
A Transaction Receipt generated by a Counterfeit Transaction.
15 May 2013

D-11
Defined Terms
Country-to-Country Transaction
A Transaction where the Issuer of the Card used is located in one country, and the Merchant Outlet or
ATM where the Card is used is located in a different country.
CPA-Compliant
A Card or Point-of-Transaction Terminal that contains an application that complies with the
requirements specified in the EMV Common Payment Application Specification, as amended by EMVCo
from time to time.
Credit Card
A Card that offers the Cardholder a line of credit, specific to that Credit Card account and the ability to
revolve part, or all, of any outstanding balance on the Credit Card account during each statement cycle.
Credit Transaction
A Transaction where a Merchant's refund or price adjustment is credited to a Cardholder's account.
Credit Transaction Receipt
A Transaction Receipt evidencing a Credit Transaction.
Cruise Line
A Merchant that sells and provides recreational travel on water, including overnight
accommodations.
Cryptogram
A value resulting from a process using an encryption algorithm and key data elements.
Currency Conversion Rate
The Currency Conversion Rate1 is:
1. for Visa Inc. Transactions, the currency conversion rate selected by Visa Inc. from the range
of rates available in the wholesale currency markets for the applicable Processing Date, which
rate may vary from the rate Visa Inc. itself receives;
2. a) for Visa Europe Transactions where the Member is connected to BASE II, the currency
conversion rate the Member receives is selected by Visa Inc. from the range of rates
available in the wholesale currency markets for the applicable Processing Date, which rate
may vary from the rate Visa Inc. itself receives;
b) for Visa Europe Transactions where the Member is connected to the Visa Europe Clearing
and Settlement Service, the currency conversion rate the Member receives is selected by
Visa Europe from the range of rates available in the wholesale currency markets for the
applicable Processing Date, which rate may vary from the rate Visa Europe itself
receives;
3. a) for International Transactions where the Customer or Member is connected to BASE II,
the currency conversion rate the Customer or Member receives is selected by Visa Inc.
from the range of rates available in the wholesale currency markets for the applicable
Processing Date, which rate may vary from the rate Visa Inc. itself receives;
b) for International Transactions where the Customer or Member is connected to the Visa
Europe Clearing and Settlement Service, the currency conversion rate the Customer or
Member receives is selected by Visa Europe from the range of rates available in the
wholesale currency markets for the applicable Processing Date, which rate may vary from
the rate Visa Europe itself receives; or
4. a government mandated rate in effect for the applicable Processing Date for a Transaction.
An Issuer shall set the conversion rate to its Cardholders and an Acquirer shall set the conversion rate
to its Merchants, consistent with applicable law, and may adjust the rate upward or downward.
1.
D-12
For the purposes of the Payment Services Directive (PSD) the Currency Conversion Rate shall be the Reference Exchange
Rate

15 May 2013
Defined Terms
Customer
Financial institutions or other entities that use or offer for use Visa Products and Services in and/or
outside the Territory under licence from Visa Inc.
Custom Payment Service
A payment service that accommodates specific payment environments with an identifier that remains
with the Transaction throughout its life cycle.
Data Capture-Only Capability

Point-of-Transaction Capability where the Transaction Receipt data is electronically captured for
Deposit purposes, but the terminal does not have the capability to go online.
Data Compromise Recovery
A fraud recovery process whereby Visa Europe allocates to affected Members the incremental
Magnetic Stripe counterfeit fraud losses that are associated with a data compromise event, as specified
in Visa Europe Operating Regulations, Volume IGeneral Rules, Section 1.6.E.
Data Protection Method
A method for the protection of Account Numbers and other Cardholder data, as specified in the
Payment Card Industry Data Security Standards.
Decline Response
An Authorization Response where the Transaction is declined.
Dedicated File Name
A unique alphanumeric name used by a Card to identify an application that is supported on the Card,
as specified in the EMV Integrated Circuit Card Specifications for Payment Systems.
Deferred Clearing Processing
A process whereby Transactions are either:
Authorized and cleared using Single Message System and settled through BASE II;
Authorized and cleared using Single Message System and settled through the Visa Europe
Clearing and Settlement Service;
Authorized using V.I.P. System and cleared and settled through BASE II; or
Authorized using the Visa Europe Authorization Service and cleared and settled through the
Visa Europe Clearing and Settlement Service.
Deferred Clearing Transaction
A Transaction that is authorized, cleared and settled in two separate messages through either the:
Single Message System; or
V.I.P. System or Visa Europe Authorization Service and BASE II or Visa Europe Clearing and
Settlement Service.
Deferred Debit Card
A Card linked to an account whereby the Transactions are accumulated with other Transactions on a
deferred basis, a statement is issued and the Cardholder is required to pay the outstanding balance in
full.
Delayed Delivery Transaction
A single Transaction where a Cardholder endorses, and a Merchant completes, two 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.
15 May 2013

D-13
Defined Terms
Delayed or Amended Charge Transaction

A Transaction for charges relating to a previous Transaction that remain unpaid at the Transaction
Date of that previous Transaction and for which further authorization from the Cardholder is not
required.
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
Card account.
Deposit-Only Account Number
An Account Number established by an Issuer of a Visa Card or a Visa Electron Card used exclusively
to receive an Original Credit on behalf of one or more of its Cardholders.
Deposit Transaction Receipt
The first Transaction Receipt in a Delayed Delivery Transaction.
Digital Certificate
A digitally signed credential used to authenticate the holder of the credential or to ensure the integrity
of the message it is signing.
Direct (Immediate) Debit Card
A Card linked to a current (or deposit access) account to which a Transaction is debited immediately
(in a maximum of two working days) on receipt of the Transaction by the Issuer.
Dispute Resolution Rules
The rules governing disputes between Customers, between Members or between Customers and
Members, regarding the settlement of Transactions, as communicated to Customers and to Members
by Visa Inc. and Visa Europe respectively from time to time.
Dispute Resolution Form
Effective from 13 October 2012, a document or an Electronic Document Transfer Method
questionnaire that contains the information specified in Exhibit 2E Dispute Resolution Forms Instructions. It is used, in conjunction with the Electronic Document Transfer Method, by Customers of
Visa Inc. and Members of Visa Europe to provide an opposing Customer or Member with information
relating to a dispute.
Distribution Channel Vendor
A third party that is registered by an Issuer with Visa Europe to handle, store or ship Non-Personalized
Cards that are Prepaid Cards.
Domestic Interchange
Interchange of a Domestic Transaction.
Domestic Transaction
A Transaction where the Issuer of the Card used and the Merchant Outlet or ATM where the Card is
used is located in the same country.
Domestic Transaction Receipt
A Transaction Receipt evidencing a Domestic Transaction.
Dove Design
A Trademark depicting a dove in flight that identifies the Visa Card Program and/or Visa Card Product
or the Travelers Cheque Program.
D-14

15 May 2013
Defined Terms
Dual Card Programme

A programme where an Issuer provides cardholders with a single line of credit that is accessed by both
a Visa Card and a card of a Visa Europe Competitor, and where the Visa Card is solicited or marketed
as a companion product to the card of the Visa Europe Competitor.
The Dual Card Programme is available as a UK pilot only.
Dynamic Currency Conversion (DCC)
The conversion of the purchase price of goods or services from the currency of the Merchant Outlet to
the Billing Currency 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 Chip on a Card for an Offline Authorization that uses
Transaction-specific data elements and is verified by a Chip-Reading Device to protect against
skimming.
Edit Package
The software that the Visa Enterprise supplies to Visa System Processors to:
Validate Interchange data destined for the Visa System;
Process Interchange data sent from the Visa System Processor to the Visa System; and
Process Transactions from the Visa System received by the Visa System Processor.
Egregious Violation
A violation of the Visa Europe Operating Regulations that in Visa Europes opinion is willful and/or
excessive and is knowingly committed by a Member.
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 on the Magnetic Stripe or information provided in the Chip);
Authorization Response is obtained Online, or as instructed by the Issuer; and
Authorization Response and Transaction Receipt data are captured electronically.

Electronic Commerce Indicator (ECI)
A Transaction indicator for Electronic Commerce Transactions.
Electronic Commerce Merchant
A Merchant that conducts the sale of goods or services electronically over the internet.
Electronic Commerce Merchant Rate
An Interchange Reimbursement Fee paid for International Transaction that are Electronic Commerce
Transactions and are conducted by a Merchant participating in 3-D Secure.
Electronic Commerce Transaction
A Transaction between a Merchant and a Cardholder over the internet.
Electronic Consumer Device
Effective from 1 March 2012, an electronic device that contains one or more Cards and that may also
contain payment devices from other payment systems. Electronic Consumer Devices include but are
not limited to mobile phones and tablets.
Electronic Documentation Transfer Method
An electronic documentation transfer method approved by Visa Europe.
15 May 2013

D-15
Defined Terms
Electronic Rate
Rules, Table 8-6, that is charged in respect of International Transactions that meet the Clearing
requirements set out in Visa Europe Operating Regulations, Volume IGeneral Rules, Section 4.17.A.2.a.
Elevated Fraud Rate
Effective from 15 May 2012, a statistical distribution metric that Visa Inc. for its Customers and Visa
Europe for its Members use to quantify that a statistically significant level of elevated counterfeit fraud
is attributable to a specific Account Data Compromise Event.
Eligible Cardholder
A Cardholder who has had their Card lost or stolen while travelling outside their city of residence and
who has reported the loss or theft of their Card to the Issuer of that Card and is a Cardholder of one of
the following:
A Visa Infinite Card; or
Visa Corporate Card.

Emergency Cash Disbursement
A Cash Disbursement by an Acquirer to a Cardholder or purchaser of Travelers Cheques who has
reported his/her Card or Travelers Cheques lost or stolen.
Emergency Cheque Refund
An Emergency Cash Disbursement or Travelers Cheque replacement that an Emergency Refund
Location provides to a purchaser of Travelers Cheques at the direction of the Global Refund Service.
Emergency Payment Authorization Service
A service offered to Cardholders of Visa Infinite Cards and Visa Signature Cards when that Cardholder
is awaiting receipt of an Emergency Replacement Card or awaiting an Emergency Cash Disbursement
whereby verbal Authorization may be permitted for a Transaction.
Emergency Refund Location
The Branch of a Customer or a Member or alternative location notified to the purchaser of Travelers
Cheques by the Global Refund Service, where an Emergency Cash Disbursement or Travelers Cheque
replacement can be disbursed to a purchaser of Travelers Cheques.
Emergency Replacement Card
A temporary Visa Card that an Issuer provides to replace a Cardholder's lost or stolen Visa Card.
Emergency Service Location
A Member location or the Visa Global Customer Care Service Sites, designated by a Member and
communicated to a Cardholder where that Cardholder can obtain an Emergency Replacement Card or
an Emergency Cash Disbursement.
EMVCo
EMVCo LLC, a limited liability company existing under the laws of Delaware.
EMV-Compliant
A Card or Point-of-Transaction Terminal application that complies with the requirements set by
EMVCo, as amended by EMVCo from time to time and has been tested, approved and remains
approved by EMVCo, Visa Inc., Visa Europe or their appointed agents.
EMV-Online Card Authentication Cryptogram
A cryptographic validation of the legitimacy of the Card and of the information set out in an
Authorization Request using a Cryptogram conforming to the technical specifications set by EMVCo,
as amended by EMVCo from time to time.
D-16

15 May 2013
Defined Terms
EMV PIN-Compliant
A Chip-Reading Device that complies with the PIN requirements of the Visa Europe Operating
Regulations and the PIN Management Requirements Documents or is approved and certified by the PCI
SSC.
EMV PIN Transaction
A Chip-initiated Transaction (excluding ATM Transactions) that is verified using either Online PIN
Verification or Offline PIN Verification.
Endorsement Date
For Transactions cleared through BASE II or the Visa Europe Clearing and Settlement Service, the
Endorsement Date means the date that the Acquirer prepares the Transaction for processing before
submitting that Transaction into Interchange.
For Transactions cleared through the Single Message System, the Endorsement Date means the
Settlement Date, as shown in the 'Settlement Date' field on the Clearing Record.
Euro Area Net Settlement
An Area Net Settlement service where the Transaction Currency and the Settlement Currency is euro.
European Economic Area
The member states of the European Union, and Iceland, Liechtenstein and Norway.
Exception File
A Visa System file of Account Numbers for which the Issuer has pre-determined the Authorization
Response, which a Member accesses Online.
Expired Card
A Card on which the embossed, encoded or printed expiry date has passed.
Exported Domestic Transaction
A Domestic Transaction that is also an Exported Transaction where the Issuer is located in the
Exported Transaction
A Transaction where the Transaction Country is different to the Acquirers principal place of business.
Exported Visa Europe Transaction
A Visa Europe Transaction that is also an Exported Transaction where the Issuer is not located in the
Transaction country.
Face-to-Face Environment
An environment where a Transaction is completed under all of the following conditions:
Card or Proximity Payment Device is present;
Cardholder is present; and
Individual representing the Merchant or Acquirer completes the Transaction.

Fallback Transaction
Where a Chip-Reading Device's inability to read the Chip prevents a Chip-initiated Transaction from
being completed and the Transaction is instead completed using an alternative means of data capture
and transmission.
Fee Collection Transaction
A Transaction used to collect the financial obligations of a Customer or a Member.
15 May 2013

D-17
Defined Terms
Fictitious Account Number

An Account Number that has not been issued by the Member that is licensed to use the BIN relating to
such Account Number.
Floor Limit
A currency amount for single Transactions for specific types of Merchant and specific types of
Transaction above which Authorization is required.
Foreign Currency
A currency other than the official national currency of the country where the Merchant Outlet, Branch
or Unattended Acceptance Terminal is located.
Fraud Window
Effective from 15 May 2012, a period up to twelve months prior and one month after the date on which
an account subject to an Account Data Compromise Event is first notified to the Issuer through a Visa
Account Bulletin alert.
Fraudulent User
An individual who is not the Cardholder and who uses a Card (or, in a Mail/Phone Order Transaction
or Recurring Transaction, an Account Number) to obtain goods or services without the Cardholders
consent.
Fulfilment
A document that the Acquirer supplies in response to a Retrieval Request.
Fulfilment Vendor
A third party, that Visa Inc. or Visa Europe certify or approve in their respective Territories, to handle,
store or ship Visa Cards and Visa Electron Cards for Issuers.
Full-Chip Data
Data that:
Conforms to EMVCo minimum mandated requirements;
Supports cryptographic validation online; and
Records the Card and terminal interactions completed during a Transaction.
Gambling Funds Transfer Merchant

A Merchant, who is not the Online Gambling Merchant, that facilitates a Gambling Funds Transfer
Transaction.
Gambling Funds Transfer Transaction
A Transaction between a Cardholder and a Merchant for the electronic transfer of funds for the
purpose of performing an Online Gambling Transaction, where the Merchant transfers those funds,
directly or indirectly, to the Online Gambling Merchant via an electronic purse.
Gambling Merchant
A Merchant that provides any form of gambling as a service.
Gambling Transaction
A Transaction for the purchase of any form of gambling services.
Gateway Transaction
A payment transaction conducted using a payment card, device or any other electronic or virtual
product or account, which is capable of completing a payment transaction, and does not bear any Visa
Mark.
D-18

15 May 2013
Defined Terms
Global Compromised Account Recovery (GCAR)

Effective from 15 May 2012, a program that allows Customers and Members worldwide to recover
Incremental Counterfeit Fraud losses, and operating expenses resulting from an Account Data
Compromise Event.
Global Customer Assistance Services
Emergency assistance provided by the Issuer, or by Visa Global Customer Care Service Sites on behalf
of an Issuer, to Cardholders and purchasers of Travelers Cheques, while travelling outside their city of
residence.
Global Fraud Information Service (GFIS)
A secure online resource that provides Members with up-to-date information from Visa Europe.
Global Program
A set of operating rules that are mutually agreed between Visa Inc. and Visa Europe in respect of Visa
Products and Services that are made available by both Visa Inc. and Visa Europe in their respective
territories and/or in each other's territory, such as the Multinational Program, Prepaid Multinational
Program (as set out in the approved Product Development Council Paper dated May 3-4, 2006), the
International Airline Program and the Travelers Cheque Program.
Global Refund Service
A service provided by Visa Inc. that assists Travelers Cheque purchasers whose Travelers Cheques are
lost or stolen.
Governmental Authority
Any national, federal, state or local government body in any jurisdiction, the European Commission and
any other supranational body or any court, tribunal, arbitrator in any jurisdiction.
Group Member
An organisation to which Visa Europe delegates, in whole or in part, its responsibility for the
development, operation and administration of Visa Card Programs and/or Visa Card Products in any
country or countries inside the Territory, and who is responsible directly, or through its sub-licensees,
for the development, operation and administration of such Visa Card Programs and/or Visa Card
Products within such country or countries.
Guest Folio
A Hotel's or Cruise Line's guest file.
High Brand-Risk Internet Payment Service Provider

Effective from 1 June 2011, an Internet Payment Service Provider that enters into a contract with one
or more High Brand-Risk Sponsored Merchants.
High Brand-Risk Merchant
Effective from 1 June 2011, a Merchant that is required to use one of the following Merchant Category
Codes, as amended from time to time by Visa Europe:
5962, "Direct Marketing-Travel-Related Arrangement Services";
5966, "Direct Marketing-Outbound Telemarketing Merchants";
5967, "Direct Marketing-Inbound Telemarketing Merchants";
7995, "Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and
Wagers at Race Tracks";
5912, Drug Stores, Pharmacies; or
5122, Drugs, Drug Proprietaries, Druggists Sundries.
15 May 2013

D-19
Defined Terms
High Brand-Risk Sponsored Merchant

Effective from 1 June 2011, a Sponsored Merchant that is assigned a Merchant Category Code
designated for High Brand-Risk Merchants.
High-Risk Electronic Commerce Merchant
Effective until 31 May 2011, an Electronic Commerce Merchant identified by the Global Merchant
Chargeback Monitoring Program, or by Visa Europe in other risk management initiatives, as being likely
to cause undue economic and goodwill damage to, or damage to the reputation of, the Visa
Enterprise.
High-Risk Telemarketing Merchant
Effective until 31 May 2011, a Merchant whose business includes telemarketing activity that, in the
opinion of Visa Europe, is likely to cause undue economic and goodwill damage to, or damage to the
reputation of, the Visa Enterprise.
Hotel
A hotel Merchant.
Hotel Reservation Service
A service whereby a Cardholder may use a Visa Card to guarantee Hotel accommodations.
I, J
Immediate Payment
A Visa Personal Payments Transfer where the Recipient Member makes the funds sent via the Original
Credit available to the Cardholder within 30 minutes of sending an Approval Response to the Service
Provider Member.
Imprint
Cardholder data embossed, printed or encoded on a Card, which is transferred on to a Transaction
Receipt either manually or electronically.
Incremental Counterfeit Fraud
Effective from 15 May 2012, actual counterfeit fraud reported by Issuers on event accounts that are
above a baseline or expected level of fraud reported on non-event accounts during an events Fraud
Window. An event account is an account subject to an Account Data Compromise Event and listed on
the Visa Account Bulletin.
Independent Sales Organisation
An entity that is not eligible for membership in Visa Europe, has no direct connection to Visa System,
and provides Members with bank card-related support services, such as:
Merchant solicitation;
Point-of-Transaction Terminal installation and service;
Transaction Receipt data capture and transmission; and/or
Cardholder solicitation.
Input Date
The Edit Package run date on which a Member submits its outgoing Interchange File, or, for Domestic
Transactions, the date on which the Member processes its outgoing Interchange File.
The single purchase of goods or services billed to a Cardholders account in multiple segments, over a
period of time agreed to between that Cardholder and a Merchant.
Integrated Billing Statement
The monthly statement that Visa Europe provides to a Member or non-Member that contains all
processing charges for that Member or non-Member.
D-20

15 May 2013
Defined Terms
Integrated Card Verification Value (iCVV)

A unique check value that is calculated, using a secure cryptographic process, from the Magnetic Stripe
Image data on a Chip and is used to validate Card information during the process of obtaining Online
Authorization. It is a different value to the Card Verification Value to distinguish between Chip-read
data and Magnetic Stripe-read data.
Interchange
The exchange of Clearing Records between Customers or between Members or between Customers
and Members.
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 a Member or a Customer in the Clearing and Settlement of an Interchange
Transaction.
Interchange Transaction
A Transaction where the Issuer and the Acquirer are different, including any Transactions with issuers
or acquirers that are Customers.
Intermediary Bank
A depository institution, specified by a Member or by Visa Inc. or Visa Europe, through which a
Settlement funds transfer must be processed for credit to a Settlement account at another depository
institution.
International Airline
An Airline that sells tickets directly in its own name in two or more countries, or operates scheduled
flights between two or more countries, or both.
International ATM Cash Disbursement Fee
A fee payable by an Issuer for an ATM Cash Disbursement for International Transactions.
International Authorization
The Authorization of an International Transaction.
A Visa System service that enables a Visa System Processor to obtain an immediate reply to a Referral
Response.
International Organisation for Standardization (ISO)
The specialised international agency that establishes and publishes international technical standards.
International Service Assessment
A fee, charged to an Issuer by Visa Europe, for each International Transaction.
International Settlement Service
A Settlement service that each Member must be capable of participating in and which is used for all
Transactions that do not qualify for National Net Settlement, Area Net Settlement or Product Net
Settlement services.
15 May 2013

D-21
Defined Terms
International Transaction
A Transaction where (i) the Merchant Outlet or ATM acquiring such Transaction is located in the
Territory, where the Issuer of the Card used for such Transaction is a Customer, or (ii) the Merchant
Outlet or ATM acquiring such Transaction is located outside the Territory, where the Issuer of the Card
used for such Transaction is a Member.
Internet Payment Service Provider (IPSP)
An entity that contracts with an Acquirer for the purpose of that Internet Payment Service Provider
providing online payment services to a Sponsored Merchant.
In-Transit Service Gambling Merchant
A Merchant that provides any form of gambling on board a passenger transport vehicle.
In-Transit Service Transaction
A Transaction for the purchase of goods or services, including gambling, on board a passenger
transport vehicle.
In-Transit Terminal
An Unattended Acceptance Terminal used for an In-Transit Service Transaction.
In-Transit Transaction Date
The date on which either the passenger transport vehicle reaches its final destination or, if the
merchandise is to be shipped to the Cardholder after the passenger transport vehicle reaches its final
destination, the date that such merchandise is shipped to the Cardholder.
Issuer
A Member that issues Cards to a Cardholder and maintains the contractual privity relating to such Card
with that Cardholder, except in relation to the rules set out in Visa Europe Operating Regulations,
Volume IGeneral Rules, Chapter 7, "Dispute Resolution" and Visa Europe Operating Regulations,
Volume IGeneral Rules, Section 8.6, where Issuer shall have the meaning set out at Section 7.1 and
Section 8.6 respectively.
Issuer Chip Rate
Rules, Table 8-5 that is reimbursed to an Issuer in respect of International Transactions that:
Meet the Electronic Rate requirements set out in Visa Europe Operating Regulations,
Volume IGeneral Rules, Section 4.17.A.2.a;
Is completed with a Card issued by an Issuer that has converted 50% of its designated BIN(s)
or Account Number range for a Visa Card Program for the Visa Brand Mark, or Visa Electron
Card Program for the Visa Brand Mark with the Electron Identifier, to EMV-Compliant Chipbased 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; and
Is conducted at a Magnetic Stripe Terminal.
D-22
Key Management Service

A service that Visa Europe provides to its Members to process, store and transmit Member keys
associated with the security algorithm used in the Visa Europe Authorization Service and the V.I.P.
System to protect the security of PINs.
Late Settlement Fee

The fee that Visa Inc. collects from a Customer and Visa Europe collects from a Member for failure to
transfer the Settlement Amount as part of the International Settlement Service at the Settlement Bank
on the date due.

15 May 2013
Defined Terms
Liability
As specified in the Visa Europe Operating Regulations, Volume IGeneral Rules, Section 1.11, any liability
under any theory or form of action whatsoever, in law or in equity, including 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.
Licensed Marks
Visa Marks and Non-Visa Marks.
Listed Card
A Card whose Account Number is listed on the Exception File.
Load Acquirer
A Member that operates Load Devices and support systems that allow consumers to:
Load value to a Reloadable Card; and
Unload value from a Reloadable 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 Transaction that adds monetary value to a Card at a Point-of-Transaction Terminal.
Local Non-Processing Days
A day on which the Central Bank, for the local currency of the country in which an Acquirer operates,
is closed.
Magnetic Stripe
The magnetic tape on a Card that contains the necessary information to complete a Transaction.
Magnetic Stripe Data
Data contained on the Magnetic Stripe and replicated in the Chip.
Magnetic Stripe Image
The minimum Chip payment data replicating the Magnetic Stripe information required to process a
Transaction that is EMV-Compliant.
Magnetic Stripe Telephone
Effective for Transactions with a Transaction Date up to and including 14 October 2011, 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 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.
A Transaction where a 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.
15 May 2013

D-23
Defined Terms
Mail/Phone Order Transaction Indicator

A Transaction Identifier for Mail/Phone Order Transactions.
Manual Authorization Code
A code, based on the date and time of the Transaction and the Account Number of the Cardholder,
which is contained in an Authorization Response to a Manual Authorization Request and which
indicates approval of a Transaction.
Manual Authorization Request
An Authorization Request that is not processed using the Visa System.
Manual Authorizer
A Processor that does not use the Visa System.
Manual Cash Disbursement
A Cash Disbursement obtained with a Visa Card or a Visa Electron Card in a Face-to-Face
Environment.
Member
Financial institutions or other entities that use or offer for use Visa Products and Services in and/or
outside the Territory under sub-licence from Visa Europe or an Affiliate of Visa Europe.
Member Identification Area
The area on the front of a Card that is not covered by the Marks.
A text field in the Visa System record of a Chargeback or Representment that contains pre-formatted
messages.
Merchant
Any Person that enters into an agreement with an Acquirer for participation in the Visa Enterprise for
the acceptance of Cards for purposes of originating payment Transactions under any Visa Marks.
Merchant Agreement
A contract between a Merchant and an Acquirer containing their respective rights, duties and
obligations for participation in the Acquirer's Visa Card Program and/or Visa Card Product.
Merchant Category Code (MCC)
A code designating the principal trade, profession or line of business in which a Merchant is
engaged.
Merchant Outlet
Either:
The physical premises of the Merchant at which the Transaction is completed; or
For an Electronic Commerce Merchant, Sponsored Merchant or a Mail/Phone Order

Merchant the Merchant Outlet shall be:
Where the Electronic Commerce Merchant, Sponsored Merchant or the Mail/Phone
Order Merchant has a Permanent Establishment, the address of the Permanent
Establishment through which the Transaction is completed;
If the Electronic Commerce Merchant, Sponsored Merchant or the Mail/Phone Order
Merchant does not have a Permanent Establishment, the address for which the Electronic
Commerce Merchant, Sponsored Merchant or the Mail/Phone Order Merchant holds a
valid business licence; and
D-24

15 May 2013
Defined Terms
If the Electronic Commerce Merchant, Sponsored Merchant or the Mail/Phone Order

Merchant does not have a Permanent Establishment and does not hold a valid business
licence, the Electronic Commerce Merchant's, Sponsored Merchant's or the Mail/Phone
Order Merchant's address for correspondence for the payment of its taxes relating to its
sales activity.
Merchant Plug-In
Effective until 14 March 2012, software that enables a Merchant to participate in 3-D Secure for
Electronic Commerce Transactions. The Merchant Plug-In (MPI) picks out Electronic Commerce
Transactions and directs them to the Visa Directory Server or the Cache.
Merchant Processor
A Processor who provides services to Merchants where these services include handling (storing,
processing or transmitting) account data.
Merchant Server Plug-In
Effective from 15 March 2012, a software module used by an Electronic Commerce Merchant to enable
the Merchant to process Transactions that are 3-D Secure.
Merchant Service Charge
A fee that is set, and charged, by an Acquirer to a Merchant under a Merchant Agreement.
Misencoded Card
A Card on which erroneous information has been encoded.
Multicurrency Service
A service, provided to the Acquirer through either the V.I.P. System or through the Visa Europe
Authorization Service, that allows the Acquirer to send Authorization Requests and settle Transactions
in any currency supported by Visa Europe. If the Transaction Currency differs from the Billing Currency,
the service will automatically convert the Transaction Currency into the Billing Currency.
Multilateral Agreement
A multi-party agreement between Members pertaining to the process of obtaining an Authorization or
Clearing and Settlement of Domestic Transactions.
Multinational Company
A legal entity, including any company, corporation, partnership, incorporated or unincorporated
association, where that entity:
Has operations (excluding those conducted by franchisees) or subsidiaries (excluding joint

ventures) that are located in more than one country (including the country in which that entity
is located);
Employs more than 1,500 employees, some of whom are located for work purposes in one
country and others in another country or countries; and
Either derives 25% of its revenues from its or its subsidiaries' activities conducted in a country
or countries other than the country in which that entity is located or has 25% of its employees
located for work purposes in a country other than the country in which that entity is located.
Multinational Program
The Global Program enabling Customers and Members to operate co-ordinated programs relating to
Visa Commercial Cards across multiple countries.
15 May 2013
National Net Settlement

A Settlement service participated in by some or all Members to settle Transactions within a given
country in the currency or currencies of that country.

D-25
Defined Terms
National Organisation
An organisation to which Visa Europe delegates, in whole or in part, its responsibility for the
development, operation and administration of Visa Card Programs and/or Visa Card Products in any
country or countries inside the Territory, including (i) the development and implementation of
products, services, systems, programs and strategies to address unique market conditions within such
country or countries, (ii) coordination of Member activities (as relevant), and (iii) the promulgation of
rules, regulations and policies applicable to Members operating within such country or countries.
New Channel
An environment in which payment is initiated via any device that does not use an HTML browser to
process an Authentication Request.
New Visa Marks
Any Trademarks that are developed after 1 October 2007 by Visa Inc. or Visa Europe or their Affiliates
as variations or derivatives of, or that incorporate (such that the Visa Mark forms the dominant or
distinctive part of the Trademark), the Visa Marks and, for the avoidance of doubt, New Visa Marks
shall include all Trademarks comprising the Visa V-design combined with a product or service
identifier.
Non-Personalized Card
A Card that has an Account Number and expiry date printed, embossed or encoded on it but does not
bear a Cardholders name. These Cards may have a generic identifier, or in the case of Prepaid Cards
that are unembossed, the name field may be blank.
Non-Reloadable Card
A Prepaid Card that is funded with monetary value only once.
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 standard plastic card specifications in
the Visa Product Brand Standards and must:
Provide the designated level of utility promised to the Cardholder; and
Contain the physical elements and data components required to complete a Transaction.
Non-Visa Marks
Any Trademarks that are developed after 1 October 2007 by Visa Inc. or Visa Europe or any of their
Affiliates for use in respect of the Visa Products and Services or relating to the management, operation,
maintenance or promotion of or participation in, the Visa System, which are not Visa Marks or New
Visa Marks or confusingly similar to Visa Marks.
No-Show Transaction
A Transaction that a Hotel or a Car Rental Company completes, resulting from a Cardholder's apparent
failure to cancel or use a hotel or vehicle rental reservation.
D-26
Offline
An environment where Transactions may be completed without Online Authorization by an Issuer, its
Processor or Stand-In Processing and authentication or verification for Chip Transactions occurs using
parameters encoded in the Chip.

15 May 2013
Defined Terms
Offline Authorization
An Issuer-controlled process that allows an Authorization Request for a Chip Transaction to be
processed Offline in accordance with the Merchant's floor limit and the Issuer-defined Chip controls or
the Service Code on the Magnetic Stripe of the Card, as applicable, in a below-Floor Limit environment
without sending the request to the Issuer.
Offline Data Authentication Method
A process whereby a Chip Card is validated at the Point-of-Transaction, as specified in the Visa
Integrated Circuit Card Specifications.
Offline-Only
Capable of electronic data capture, but with no capability to obtain an Online Authorization.
Offline PIN Verification
A process used to verify the Cardholders identity by comparing the PIN entered at the Chip-Reading
Device to the PIN value contained in the Chip.
Online
An environment where authentication or verification occurs using an electronic communications
network other than voice.
Online Authorization
A method of requesting an Authorization Online.
Online-Capable
Capable of obtaining Online Authorization, but may be subject to standard Floor Limits.
Online Financial Processing
A process that combines:
The process of obtaining 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 facilitates Online Gambling Transactions.
Online Gambling Transaction
An Electronic Commerce Transaction for the purchase of any form of gambling services over the
internet. Gambling services include the following:
Betting;
Lotteries;
Casino-style games;
Funding an account established by the Merchant on behalf of the Cardholder; and
Purchase of value for proprietary payment mechanisms, such as electronic gaming chips.
Online-Only
Operating to a Zero Floor Limit, with Online Authorization obtained for every Transaction.
For Chip Cards, a Card that requests Online Authorization for every Transaction, regardless of whether
the Transaction is initiated using the Chip or the Magnetic Stripe of the Card, and where an
Authorization cannot be obtained, requests a Decline Response.
15 May 2013

D-27
Defined Terms
Online PIN Verification

A process used to verify the Cardholders identity by sending an encrypted PIN value to the Issuer for
validation in an Authorization Request.
Operating Certificate
The certificate supplied by each Member to Visa Europe pursuant to Part B of the Visa Europe Articles
of Association, Membership Regulations and Bylaws.
Original Credit
A Transaction initiated by a Member either directly or on behalf of its Merchant that results in a credit
to the Account Number of a Visa Card or a Visa Electron Card for a purpose other than refunding a
purchase.
Originating Member
An Issuer or an Acquirer that initiates an Original Credit.
PAReq
Effective from 15 March 2012, an Authentication Request sent from the Merchant Server Plug-In (MPI)
to the Access Control Server of an Issuer.
PARes
Effective from 15 March 2012, an Authentication Response sent from the Access Control Server of an
Issuer to the Merchant Server Plug-In (MPI).
Parking Transaction
A Transaction of 50 or less, or local currency equivalent, presented by a Merchant with a qualifying
Merchant Category Code, that is conducted in an Unattended Environment and for which there is no
Cardholder Verification.
An Authorization for an amount less than the amount requested by a Merchant for a Transaction on a
Prepaid Card.
Participant Member
Passenger Itinerary Data
The elements of the International Airline Transport Association long record (including passenger
name) as included in the TCR3 elements of the Clearing Record.
Passcode
Effective from 1 March 2012, a code entered by the Cardholder into the Electronic Consumer Device
and used by the Portable Payment Device to authenticate the Cardholder.
Payer Authentication Request (PAReq)
The message generated when the Merchant Plug-In has previously received a VERes message
confirming Cardholder participation in 3-D Secure. It is then sent from the Merchant Plug-In to the
Cardholder browser, which automatically forwards the request to the Access Control Server (ACS).
Payer Authentication Response (PARes)
The message generated and sent from the Issuers Access Control Server (ACS), which confirms or
denies Cardholder authentication. The ACS formats and digitally signs the Payer Authentication
Response (PARes), then returns it via the Cardholder browser to the MPI.
D-28

15 May 2013
Defined Terms
Payment Application
A software application contained within a Chip or payment data encoded on a Magnetic Stripe that
defines the parameters for processing a Transaction and meets the minimum requirements of the
relevant Visa Card Program and Visa Card Product.
Payment Services Directive (PSD)
The European Parliament and Council directive 2007/64/EC and any subsequent changes.
PCI Forensic Investigator (PFI)
A company or organisation that has been approved by the PCI Security Standards Council to conduct
forensic investigations into data compromise events that are suspected of exposing Cardholder data.
PCI SSC
Payment Card Industry Security Standards Council.
Permanent Establishment
A fixed place of business through which an Electronic Commerce Merchant or Mail/Phone Order
Merchant conducts its business, regardless of website or server locations.
Person
Any natural person, general partnership, limited partnership, limited liability company, limited liability
partnership, joint venture, firm, corporation, association, incorporated organization, unincorporated
organisation, trust or other enterprise, or any Governmental Authority.
Pickup Response
An Authorization Response where the Transaction is declined and confiscation of the Card is
requested.
PIN
A personal identification numeric code that is used to identify a Cardholder in an Authorization
Request.
PIN Entry Device (PED)
A device used for secure PIN entry and processing as defined in the Payment Card Industry PED Security
Requirements.
PIN-Preferring Chip Card
A Chip Card that is EMV-Compliant and VIS-Compliant containing a Visa Smart Payment, and a
Cardholder Verification Method List specifying a preference for a PIN-based Cardholder Verification
Method.
PIN Verification
A procedure used to verify Cardholder identity when a PIN is used in an Authorization Request.
PIN Verification Service
A service that Visa Europe provides to its Members for the verification of Cardholders' PINs
transmitted with Authorization Requests.
Plus ATM
An ATM that displays the Plus Symbol and not the Visa Brand Mark.
Plus Program
A program through which a Plus participant provides ATM services to Cardholders by acting as an
Issuer, an ATM Acquirer, or both.
15 May 2013

D-29
Defined Terms
Plus Program Participant Member

Plus Symbol
The Licensed Mark set out below meeting the specifications set out in the Visa Product Brand
Standards.
Plus System, Inc.

An entity that Visa U.S.A. Inc. has sub-licensed to administer the Plus Program in the United States and
certain other countries, in accordance with the affiliation agreements between that entity and the Visa
Enterprise.
Point-of-Transaction
For International Transactions, the physical location where a Merchant or an Acquirer (in a Face-toFace Environment) or an Unattended Acceptance Terminal (in an Unattended Environment)
completes a Transaction Receipt or a Transaction Record.
For Visa Europe Transactions, the physical location where a Merchant or an Acquirer (in a Face-toFace Environment or Semi-Attended Environment) or an Unattended Acceptance Terminal (in an
Unattended Environment) completes a Transaction Receipt or a Transaction Record.
Point-of-Transaction Balance Return
An Authorization Response in which an Issuer of Prepaid Cards provides the available balance for
participating Merchants to print on the Transaction Receipt.
Point-of-Transaction Balance Return Service
A service that uses the Visa System to provide a Point-of-Transaction Balance Return.
Point-of-Transaction Capability
The capability of a Merchant, Acquirer or Unattended Acceptance Terminal to process electronic data,
obtain an Authorization and provide Transaction Receipt data.
Point-of-Transaction Terminal
A device used at the Point-of-Transaction that has a corresponding Point-of-Transaction Capability.
Portable Payment Device
Effective from 1 March 2012, a Portable Payment Device is a Proximity Payment Device that resides in
an Electronic Consumer Device.
POS Entry Mode
An Authorization or Online Financial Transaction field indicating the method used to obtain and
transmit the Cardholder information necessary to complete a Transaction, such as, manual key entry,
Magnetic Stripe read or Chip read.
D-30

15 May 2013
Defined Terms
Positive Cardholder Authorization Service

A set of risk control services, as specified in the Visa Europe System Manuals for those using the Visa
Europe Authorization Service and the Visa Europe Clearing and Settlement Service and the VisaNet
Manuals for those using the V.I.P. System and BASE II, 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; and
Determine the Authorization services provided 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 two types of Post-Issuance Updates:
Post-Issuance Application Change; and
Post-Issuance Application Load.

Prepaid Account
An account established by an Issuer, with previously deposited, authorized or transferred funds, which
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.
Prepaid Card Transaction
The act between a Cardholder using a Prepaid Card and a Merchant or an Acquirer resulting in a
Prepaid Partner
A Customer, Member, Merchant or third party (excluding co-brand partners, Approved
Manufacturers, Fulfilment Vendors and Third Party Personalizers) that has a contract with an Acquirer
to sell, activate and/or perform Load Transaction processing of Prepaid Cards.
Presentment
A Clearing Record that an Acquirer presents to an Issuer through Interchange, either initially (a first
Presentment) or after a Chargeback (a Representment).
Principal Member
Priority Check-out Agreement
A written agreement that, when bearing a Cardholder's signature, authorizes the Hotel, the Cruise Line
or the Car Rental Company participating in the Priority Check-out Service to deposit a Transaction
Receipt, without the Cardholder's signature and with or without the Cardholder having prior knowledge
of the total amount due to the Merchant, for the goods and services specified in that agreement.
15 May 2013

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Defined Terms
Priority Check-out Contract

A contract entered into between an Acquirer and a Merchant enabling the Merchant to provide Priority
Check-out Service.
Priority Check-out Service
A service provided by Visa Europe to its Members and which may be provided by Hotels, Cruise Lines
and Car Rental Companies to Cardholders by both parties signing a completed Priority Check-out
Agreement, that allows a Cardholder to authorize the use of its Card for payment for goods and
services in accordance with that Priority Check-out Agreement.
Priority Check-out Transaction
A Transaction carried out pursuant to a Priority Check-out Agreement.
Private Agreement
A bilateral agreement between Members pertaining to the process of obtaining an Authorization or
Clearing and Settlement of Domestic Transactions.
Private Keys
The secret portion of the cryptographic method used for verification during a Transaction.
Privately Contracted Agreement
An agreement between an Issuer of Visa Drive Cards that are extra Cards and a Merchant that is not
part of a Closed Loop, under which the Merchant agrees to accept Visa Drive Cards that are extra
Cards and process those Visa Drive Card-related Transactions under the same conditions
(regulations) as set out in the Visa Europe Operating Regulations for Visa Commercial Cards.
Processing Date
For Transactions processed through the Visa System, the Processing Date means the date (based on
Greenwich Mean Time) on which Interchange data submitted by a Member to a Visa Interchange
Center is processed for Settlement by that Visa Interchange Center. For Transactions processed
through Single Message System, the Processing Date means the date on which Interchange data
submitted by a Member to the V.I.P. System or the Visa Europe Authorization Service is processed for
Settlement by the Visa System and for these Transactions, the Processing Date is indicated by the
Settlement Date field in the online message.
Processor
A Person, who is not a Customer or a Member, that stores, processes or transmits Cardholder or
Transaction data for Visa Europe, Members or other sub-licensees of Visa Europe and/or
Merchants.
Product Name
A name for goods or services offered by a Member to a Cardholder, for example, Visa Gold Card.
Product Net Settlement
A Settlement service participated in by some or all Members to settle Transactions for a common,
specified Visa Products and Services that requires separate reporting and funds movement.
Proprietary Card
A Card that does not bear the Visa Brand Mark, Visa Brand Mark with the Electron Identifier or V PAY
Brand Mark, but may bear a Plus Symbol.
Proximity Payment
A Transaction conducted over an approved wireless interface in a Card Present Environment.
Proximity Payment Device
A Card that makes a Proximity Payment.
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15 May 2013
Defined Terms
Public Keys
The non-secret portion of the cryptographic method used for verification during a Transaction.
Quasi-Cash Transaction
A Transaction representing a Merchant's sale of items that are directly convertible to cash.
Receiving Member
A Member receiving a Transaction through Interchange.
Recipient Member
An Issuer that receives an Original Credit.
Recurring Electronic Commerce Transaction
Multiple Electronic Commerce Transactions processed pursuant to a Recurring Transaction
Agreement.
Recurring Services Merchant
A Merchant that provides services of an ongoing nature to a Cardholder and completes Recurring
Transactions to bill the Cardholder for these services.
Multiple Transactions processed pursuant to a Recurring Transaction Agreement.
Recurring Transaction Agreement
An agreement between a Cardholder and a Merchant to purchase goods or services through multiple
Transactions.
Reference Card
An item, which is not a standard plastic card, containing relevant account information, such as an
Account Number and expiry date, that is provided to a Virtual Account Holder.
Reference Exchange Rate
For the purposes of the Payment Services Directive (PSD) the Reference Exchange Rate shall be the
Currency Conversion Rate. See also Currency Conversion Rate.
Referral Rate
The number of Referral Responses stated as a percentage of all Authorization Requests processed by
an Issuer, excluding those processed by Stand-In Processing, set out in Visa Europe Operating
Regulations, Volume IGeneral Rules, Table 3-3.
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 the Global Refund Service provides to a purchaser of Travelers Cheques to verify that
he/she qualifies for a refund of lost or stolen Travelers Cheques.
Regional Card Recovery File
A regional electronic version of the Card Recovery Bulletin that is distributed to Members via Visa
Europe Clearing and Settlement Service and BASE II.
Reloadable Card
A Prepaid Card that may be funded with monetary value more than once.
15 May 2013

D-33
Defined Terms
Representment
A Clearing Record that an Acquirer presents to an Issuer through Interchange after a Chargeback.
Restricted Card
A Card on which the Issuer has imposed restrictions on use.
Retail Merchant
A Merchant that is not one of the following:
Mail/Phone Order Merchant;
Recurring Services Merchant; or
Electronic Commerce Merchant.

Retail Transaction
A Transaction at a Merchant Outlet of a Retail Merchant.
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 Deferred Clearing Transaction or an Online Financial Transaction used to negate or cancel a
Transaction that has been sent through Interchange in error.
Sales Draft
A paper record evidencing the purchase of goods or services by a Cardholder from a Merchant using a
Visa Card.
Screen Image
A Reference Card for a Virtual Account that appears solely on the Virtual Account Holders screen.
Scrip
A two part paper receipt that is redeemable at a Merchant Outlet for goods, services or cash.
Secure Electronic Commerce Rate
An Interchange Reimbursement Fee paid for International Transactions that are Secure Electronic
Commerce Transactions.
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.
Semi-Attended Environment
Card or Proximity Payment Device is present;
Cardholder is present;
Cardholder completes the Transaction and, if required, an individual representing the

Merchant or Acquirer assists the Cardholder to complete the Transaction.
Sender
A Cardholder sending money via Visa Personal Payments.
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15 May 2013
Defined Terms
Sending Member
A Member entering a Transaction into Interchange.
Service Code
A valid sequence of digits that is encoded on a Magnetic Stripe and replicated on the Magnetic Stripe
Image in a Chip that identifies the circumstances under which the Card is valid and defines
requirements for processing a Transaction with the Card.
Service Provider Member
An Issuer participating in the Visa Personal Payments Service.
Settlement
The reporting of Settlement Amounts owed by one Customer or Member to another, or to Visa Inc. or
to Visa Europe, 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
A bank, including a Correspondent Bank or an Intermediary Bank, that is:
Located in the country where the Settlement Currency of a Member is the local currency; and
Authorized to execute Settlement of Interchange on behalf of the Member or the Member's

bank.
Settlement Currency
A currency used for Settlement as specified in the Visa Europe System Manuals for those using the Visa
Europe Clearing and Settlement Service and the VisaNet Manuals for those using BASE II.
Settlement Date
The date on which Visa Inc. initiates the transfer of Settlement Amounts for Settlement.
Settlement Obligation
The obligations of a Customer or a Member or Visa Inc. to pay a Settlement Amount owed to another
Customer or Member or to Visa Inc.
Settlement Service
A service that allows Members to consolidate the Settlement functions of the Visa Inc. Systems into
one centralized function and benefit from flexible reporting options, as specified in the VisaNet
Settlement Services (VSS) Users Guide, Volumes 1 and 2.
Single Message System
A service that processes Online Financial Transactions and Deferred Clearing Transactions through a
single interface to the Visa System using the V.I.P. System or the Visa Europe Authorization Service (as
agreed between the Member and Visa Europe) for purchases and ATM Transactions.
Small Ticket Transaction
An electronically-read authorized Transaction of an amount that does not exceed the limits for a
Transaction as specified in Table 5-5, Country-Level Transaction Limits for Small Ticket Transactions and
that is presented by a Merchant with a qualifying Merchant Category Code and conducted in a Faceto-Face Environment or a Semi-Attended Environment.
Specialised Vehicle
A rental vehicle of a higher quality than those in the main fleet of a Car Rental Company's, the total
number of such vehicles not constituting more than five per cent of the Merchant's total rental fleet.
15 May 2013

D-35
Defined Terms
Specialised Vehicle Reservation Service

A service offered by Car Rental Companies in the U.S.A., to Cardholders of a Visa Card or a Visa
Electron Card whereby that Cardholder may use its Visa Card or Visa Electron Card to reserve
Specialised Vehicles.
Sponsored Merchant
A business that contracts with an Internet Payment Service Provider for that Internet Payment Service
Provider to (a) conduct the sale of that business' goods and/or services electronically over the internet
and (b) provide payment services for those goods and/or services, in each case on that business'
behalf.
Standard Rate
The default Interchange Reimbursement Fee set by Visa Inc. for International Transactions and Visa
Inc. Transactions, and by Visa Europe for Visa Europe Transactions.
Stand-In Processing
The VisaNet component that provides services for obtaining Authorization on behalf of an Issuer when
the Positive Cardholder Authorization System is used or when the Issuer or its Visa System Processor
is unavailable.
Stand-In Processing Account
An Issuer-supplied valid Account Number (established and activated in the Issuers system) that is
maintained at Visa Global Customer Care Service Sites for the purpose of enabling the issue of an
Emergency Replacement Card, embossed and encoded with this Account Number, in circumstances
when the Issuer is not available to provide a new Account Number and an Emergency Replacement
Card with the Account Number is issued as part of the Global Customer Assistance Services.
Status Check Authorization
An Authorization Request by a Merchant deploying an Automated Fuel Dispenser using a currency unit
of one (1), to reserve the amount from the funds that are available to the Cardholders account, for
which the unit currency of one (1) represents. If the Merchant receives an Approval Response via the
Visa System, the Transaction can be completed using the Card.
Stop Service
A file in which an Issuer lists cancelled Recurring Transactions to prevent processing by an Acquirer.
The Stop Service is used in conjunction with the Visa Account Updater.
Substitute Transaction Receipt
A paper form or record that is not a Sales Draft and that a Customer or a Member or a Merchant
provides in response to a Retrieval Request.
Summary of Interchange Entries
Data required to accompany Domestic Interchange processed under a Private Agreement.
D-36
T&E Document
A photocopy of all documents pertaining to a Transaction relating to travel and entertainment (T&E)
originating from a Car Rental Company, Hotel or Cruise Line, including the following as applicable:
Transaction Receipt;
Car rental agreement;
Guest Folio (if created);
Imprint (if obtained); or
Cardholder signature (if obtained).

15 May 2013
Defined Terms
T&E Merchant
An Airline, Car Rental Company, Hotel or Cruise Line whose primary function is to provide travelrelated 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.
Tactile Brand Mark
A raised surface element on a Card that surrounds either the Visa Brand Mark or the V PAY Brand
Mark, as set out in the Visa Product Brand Standards.
Telephone Service Transaction
A Transaction in which a Cardholder uses a Card to purchase a telephone call.
Terminal Risk Management
A process performed by a Chip-Reading Device to protect a Member from fraud by:
Initiating Issuer Authorization Online for above-Floor Limit Transactions;
Ensuring random processing Online for below-Floor Limit Transactions; and
Performing Transaction velocity checking.

Territory
Andorra, Austria, Bear Island, Belgium, Bulgaria, Channel Islands, Cyprus, Czech Republic, Denmark,
Estonia, Faeroe Island, Finland, France (including its "DOM-TOMs"), Germany, Gibraltar, Greece,
Greenland, Hungary, Iceland, Ireland, Isle of Man, Israel, Italy, Latvia, Liechtenstein, Lithuania,
Luxembourg, Malta, Monaco, the Netherlands, Norway, Poland, Portugal, Romania, San Marino,
Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, Vatican City, the United Kingdom, including the
territories and possessions thereof, and any other jurisdiction which becomes a full member state of
the European Union, and including any military bases, embassies or diplomatic consulates of the
foregoing jurisdictions which are located outside of the Territory and excluding any military bases,
embassies or diplomatic consulates located in the Territory of those jurisdictions which are located
outside of the Territory.
Third Party Instant Card Personalizer
A third party that is registered by an Issuer with Visa Europe to perform instant Card personalization
and issuance for that Issuer.
Third-Party Personalizer
A third party that Visa Europe certifies or approves to personalize Cards for Issuers.
Timeshare Merchant
A Merchant that manages the sales, rentals or other uses of condominiums, holiday homes, holiday
clubs or apartments known as timeshares and does not provide full-service lodging (for example,
lodgings offering room service).
Tracing Data
In a Single Message System message, the transmission date and time, systems trace audit number,
retrieval reference number, Transaction Identifier and identity of the Acquirer.
Trademark
Trademarks, trade names, corporate names, business names, trade styles, get up, trade dress, product
and service names, words, symbols, devices, service marks, logos, taglines, sounds, combinations
thereof, other source or business identifiers and general intangibles of like nature, together with
goodwill associated therewith, whether registered or unregistered, arising under the laws of any
jurisdiction, and registrations and applications for registration with respect to any of the foregoing.
15 May 2013

D-37
Defined Terms
Transaction
The act between a Cardholder and a Merchant or an Acquirer that results in a Transaction Receipt.
Transaction Amount
The monetary value of a Transaction.
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 Receipt.
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 or an Acquirer occurs, except
where otherwise specified in the Visa Europe Operating Regulations.
Transaction Identifier
A unique value that the Visa System assigns to each Transaction to maintain an audit trail throughout
the life cycle of the Transaction and all related transactions.
Transaction Indicator
A value assigned to each Transaction by the Acquirer, and sent to the Issuer as part of the
Authorization Request, to indicate the type of Transaction.
Transaction Information
Information necessary for processing Transactions as specified in the Payment Card Industry Data
Security Standards.
Transaction Receipt
An electronic or paper record of a Transaction (or a copy), generated at the Point-of-Transaction, with
one copy retained by the Acquirer or Merchant and, at the option of the Cardholder, one copy retained
by the Cardholder.
Transaction Record
A paper record evidencing that a Transaction has taken place, which is produced by a Point-ofTransaction Terminal and retained by the Acquirer or Merchant.
Transitional Incentive for Terminalisation Fee
A fee charged to Issuers of Visa Purchasing Cards to support the implementation of the Transitional
Incentive for Terminalization Program.
Transitional Incentive for Terminalization Program
A program inside the Territory to encourage Acquirers to install Point-of-Transaction Terminals at
Merchant Outlets.
Travelers Cheque
Travelers cheques bearing a Visa Mark issued by Members under the Travelers Cheque Program.
Travelers Cheque Program
The program of the issuance of Travelers Cheques operated by Visa Europe in accordance with the Visa
International Travelers Cheque Operating Regulations.
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15 May 2013
Defined Terms
Unable-to-Authenticate Response
Effective until 14 March 2012, a message from an Issuer who uses 3-D Secure in response to an
Authentication Request from a Merchant who uses 3-D Secure indicating that the participating Issuer
is unable to authenticate the Cardholder for reasons other than those that result in an Authentication
Denial.
Effective from 15 March 2012, a message from an Issuer who uses 3-D Secure in response to an
Authentication Request indicating that the Issuer is unable to authenticate the Cardholder for reasons
other than those that result in an Authentication Denial.
A Cardholder-operated device that reads, captures and transmits Card information in an environment
where there is no individual representing the Merchant or the Acquirer present to complete the
Transaction.
Unattended Environment
Card is present;
Cardholder is present;
Cardholder completes the Transaction directly at an Unattended Acceptance Terminal; and
Authorization, if required, is obtained electronically.

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.
Value Date
The date on which the Settlement Amount is transferred from the party making the payment to the
party receiving the payment.
V Distribution Program
A program through which a Member provides payment services to V Distribution Program Distributors
and Visa Distribution Program Cardholders by acting as a V Distribution Program Issuer, Acquirer, or
both.
V Distribution Program Card
An enhanced Visa Business Card or Visa Purchasing Card that targets retailers for the payment for
goods and services in a business-to-business context.
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.
Vehicle-Specific Fleet Card
A Card which is enhanced to contain and provide data in relation to a specific vehicle to allow fleet
management.
15 May 2013

D-39
Defined Terms
Vending Transaction
A Transaction equal to or less than the Proximity Payment limit as set by Visa Europe and which may
be amended from time to time, or local currency equivalent, presented by a Merchant with a qualified
Merchant Category Code, that is conducted in an Unattended Environment and for which there is no
Cardholder Verification.
VERes
Effective from 15 March 2012, a response message type that indicates whether a Card is enrolled in or
eligible for 3-D Secure and if a Transaction can be authenticated in 3-D Secure.
Verified by Visa
Effective until 14 March 2012, an Authentication Method based on 3-D Secure.
Effective from 15 March 2012, an Authentication Method based on the 3-D Secure Specification.
Verified by Visa Mark
The Licensed Mark set out below meeting the specifications set out in the Visa Product Brand Standards
and used to denote compliance with Verified by Visa.
V.I.P. System
The VisaNet Integrated Payment System (V.I.P. System), comprised of BASE I and the Single Message
System used for single message authorization in connection with financial transaction processing.
Virtual Account
An account, established primarily for completing Electronic Commerce Transactions, for which no
Card is issued.
Virtual Account Holder
A Person to whom a Virtual Account is issued or who is authorized to use a Virtual Account.
Visa Account Updater
A file of Account Numbers, used in conjunction with the Stop Service, for which the Issuer has listed all
changed primary Account Number or expiry date details.
Visa Account Updater and Stop Service
A combined service incorporating both the Visa Account Updater and the Stop Service.
Visa Alerts
A service provided by an Issuer, participating in a Visa Alerts Service, to their Cardholders that enables
their Cardholders to receive Alerts.
Visa Alerts Service
The Alert processing service provided by Visa Europe to its Issuers consisting of the Visa Alerts Full
Service or Visa Alerts Data Feed Service.
Visa Alerts Full Service
The service offered by Visa Europe to its Issuers where Visa Europe is responsible for both the
generation and delivery of Alerts.
D-40

15 May 2013
Defined Terms
Visa Alerts Data Feed Service

The service offered by Visa Europe to its Issuers where Visa Europe is responsible for the generation of
Alert data and the Issuer is responsible for the delivery of the Alerts.
Visa-approved Online Card Authentication Cryptogram
A cryptographic validation of the legitimacy of the Card and of the information set out in an
Authorization Request using a Cryptogram conforming to the technical specifications set by
Visa Inc.
Visa Brand Mark
Standards.
Visa Brand Mark with the Electron Identifier

Standards.
Visa Brand Mark with the Vale Identifier

Standards.
Visa Brand Name

The name Visa.
Visa Business Card
A Card that is offered to small businesses, excluding a V Distribution Program Card.
Visa Business Electron Card
A Visa Electron Card that is offered to small businesses.
Visa Card
A Card that is one of the following:
Visa Classic Card;
Visa Commercial Card;
Visa Gold Card;
Visa Infinite Card;
Visa Platinum Card;
Visa Premier Card; and
Visa Signature Card.

Visa Card Product
Both the Product Name for a Card and its associated service features through which a Member
provides payment services to Cardholders.
15 May 2013

D-41
Defined Terms
Visa Card Program

A program through which a Member provides payment services to Cardholders or Merchants by acting
as an Issuer, an Acquirer, or both.
Visa Central Travel Account (VCTA)
A centrally billed Virtual Account for business expenses that is used to pay, monitor and control air and
rail travel.
Visa Classic Card
A Product Name for a general-purpose Card.
Visa Commercial Card Interchange Reimbursement Fee
An Interchange Reimbursement fee that applies to Visa Europe Transactions using a Visa Commercial
Card as specified in Visa Europe Operating Regulations, Volume IGeneral Rules, Section 8.6.F.
Visa Commercial Cards
A product family of Cards intended for business expense use that comprises the following:
Visa Business Card;
Visa Business Electron Card;
Visa Corporate Card;
Visa Purchasing Card;
V Distribution Program Card; and
Vehicle-Specific Fleet Card.

Visa Commercial Format
The format, as defined by Visa Europe, that Issuers use for importing data into the Visa Information
Management Services and the Visa IntelliLink Spend Management Services.
Visa Corporate Card
A Card offered to mid-to-large size companies that is used to manage employee business travel and
entertainment expenses.
Visa Directory Server
Key infrastructure component required to enable 3-D Secure. It accepts Merchants requests for
verification of Cardholder participation, processes these requests and provides responses.
Visa Drive Card
A Credit Card, a Deferred Debit Card or a Charge Card that is used for the purchase of fuel and vehicle
maintenance services and issued under the Visa Drive Card Program as one of the following Visa
Commercial Cards:
Visa Business Card;
Visa Corporate Card; or
Visa Purchasing Card.

Visa Drive Card Program
A program through which a Visa Drive Card is issued to either a Cardholder or for a specified vehicle
as one of the following:
Standard Card, for use within a Closed Loop;
Extra Card, for use within a Closed Loop and where the Issuer has one or more Privately
Contracted Agreements associated to that Card; or
Open Card, for use both within and outside of a Closed Loop.
D-42

15 May 2013
Defined Terms
Visa Easy Payment Service Transaction

An electronically-read authorized Transaction of an amount that does not exceed the limit for a
Transaction as specified in Table 5-5, Country-Level Transaction Limits for Small Ticket Transactions and
that is presented by a Merchant with a qualifying Merchant Category Code and conducted in a Faceto-Face Environment.
Visa Easy Payment Service Transactions that are International Transactions are subject to rules
governing Small Ticket Transactions.
Visa Easy Payment Service Transactions cannot be Visa Europe Transactions.
Visa Electron Card
A Card that is not embossed and Transactions that use such Cards must always be submitted for
Authorization.
Visa Electron Merchant
A Merchant that:
Displays the Visa Brand Mark with the Electron Identifier; and
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 Transaction using a Visa Electron Card.
Visa Electron Program
A program through which a Member provides payment services to Visa Electron Merchants and
Cardholders of Visa Electron Cards by acting as an Issuer of Visa Electron Cards, an Acquirer of Visa
Electron Cards, or both.
Visa Electron Symbol
A Mark consisting of the name Electron above a curved graphic element.
Visa Electron Transaction
A Transaction completed with a Visa Electron Card at an ATM or Visa Electron Merchant.
Visa EMV Public Keys
The Public Keys issued to validate Digital Certificates issued by the Visa Inc. EMV Certification
Authority.
Visa Enterprise
The worldwide enterprise comprised of Visa Inc. and its Affiliates and Visa Europe and its Affiliates,
providing products and services that include authorizing, processing, clearing and settling of financial
transactions and management and processing of information in connection with financial payments
under any Visa Marks or using the Visa System.
Visa Europe
The company, Visa Europe Limited, registered in England and Wales with its registered address at One
Sheldon Square, London W2 6TT with company number 5139966.
Visa Europe Authorization Service
The system for Authorization processing of dual-message Transactions, and Authorization and
Clearing processing of financial Transactions, operated by Visa Europe.
15 May 2013

D-43
Defined Terms
Visa Europe Card Not Present Interchange Reimbursement Fee

An Interchange Reimbursement Fee for any Visa Europe Transaction using a Card (excluding Visa
Commercial Cards and Cards bearing the V PAY Brand Mark) that meets the requirements set out in
Visa Europe Operating Regulations, Volume IGeneral Rules, Section 8.6.E.7.
Visa Europe Clearing and Settlement Service
The system and services for Clearing and Settlement, developed, owned and operated by Visa
Europe.
Visa Europe Competitor
Any Person which (a) owns or controls a payment card system or is directly or indirectly owned or
controlled by an entity that owns or controls a payment card system; and (b) such entity poses a
substantial risk of disloyal competition in favour of such other payment card system, to the detriment
of Visa Europe inside the Territory.
Visa Europe Cross-Border Acquiring Program
A program that allows a participating Acquirer, with their principal location based in one country, in the
Territory to Acquire Transactions in another country within the Territory.
Visa Europe Cross-Border Issuing Program
A program that allows a participating Issuer, with their principal location based in one country, in the
Territory to issue Visa Cards and/or Visa Electron Cards to Cardholders based in another country
within the Territory.
Visa Europe CVV2 Card Not Present Interchange Reimbursement Fee
Visa Europe Electronic Authorized Interchange Reimbursement Fee
Visa Europe Electronic Commerce Interchange Reimbursement Fee
Visa Europe Electronic Data Capture Interchange Reimbursement Fee
Visa Europe EMV Interchange Reimbursement Fee
Visa Europe Non-Electronic Interchange Reimbursement Fee
Commercial Cards and Cards bearing the V PAY Brand Mark) that does not meet the requirements for
any of the following fees:
Airline Interchange Reimbursement Fee;
Visa Europe Card Not Present Interchange Reimbursement Fee;
Visa Europe CVV2 Card Not Present Interchange Reimbursement Fee;
D-44

15 May 2013
Defined Terms
Visa Europe Electronic Authorized Interchange Reimbursement Fee;

Visa Europe Electronic Data Capture Interchange Reimbursement Fee;
Visa Europe Electronic Commerce Interchange Reimbursement Fee;
Visa Europe EMV Interchange Reimbursement Fee; and
Visa Europe Recurring Transaction Interchange Reimbursement Fee,

as specified in Visa Europe Operating Regulations, Volume IGeneral Rules, Section 8.6.E.2.
Visa Europe Operating Regulations (VEOR)

The operating rules and regulations applicable to Visa Europe and its Members, as promulgated by
Visa Europe from time to time.
Visa Europe Proximity Payment Interchange Reimbursement Fee
An Interchange Reimbursement Fee charged for any Proximity Payment that is a Visa Europe
Transaction using a Card (excluding Visa Commercial Cards and Cards bearing the V PAY Brand Mark)
that meets the requirements set out in Visa Europe Operating Regulations, Volume IGeneral Rules,
Section 8.6.E.10.
Visa Europe Recurring Transaction Interchange Reimbursement Fee
An Interchange Reimbursement Fee charged for any Recurring Transaction that is a Visa Europe
Transaction using a Card (excluding Visa Commercial Cards and Cards bearing the V PAY Brand Mark)
that meets the requirements set out in Visa Europe Operating Regulations, Volume IGeneral Rules,
Section 8.6.E.8.
Visa Europe Settlement Service
A service that allows Members to consolidate the Settlement functions of the Visa Europe Systems into
one centralised function and benefit from flexible reporting options, as specified in the Visa Europe
System Manuals.
Visa Europe System
Systems operated by Visa Europe or its Affiliates in the provision of services to Visa Inc., Customers or
Members.
Visa Europe Transaction
A Transaction where the Issuer of the Card used is a Member, and the Merchant Outlet or ATM where
the Card is used is located in the Territory. For Transactions completed aboard any passenger transport
vehicle such as an aircraft or a cruise line vessel, a Transaction shall be considered a Visa Europe
Transaction when the Merchant deposits the Transaction Receipt in the Territory.
Visa Extended Access Server
The network interface point to the Visa System, and any associated hardware and software, provided
by Visa Europe to its Members and Visa System Processors for Transaction and data routing and
processing.
Visa Flag Symbol
The Licensed Mark set out below meeting the specifications set out in the Visa International Card and
Marks Specifications.
Visa Global ATM Program

A Global Program where an ATM participant provides Cash Disbursement services to Cardholders by
acting as an Issuer, an ATM Acquirer, or both, as set out in the Visa Global ATM Member Guide.
15 May 2013

D-45
Defined Terms
Visa Global Customer Care Service Sites

24-hour-a-day, 7-day-a-week centres that Visa Inc. maintains from which a Cardholder can obtain
both information and certain types of emergency assistance.
Visa Gold Card
A Product Name for a general-purpose Card known as the Visa Gold Card.
Visa Higher Priority Payment Application
The Payment Application with the highest priority on a multi-application Card.
Visa Hotel and Cruise Line Services
Services that a Hotel or Cruise Line may provide to Cardholders.
Visa Inc.
The corporation, Visa Inc., organised and existing under the laws of the State of Delaware, United
States of America with a principal place of business at 900 Metro Centre Boulevard, Foster City,
California 94404.
Visa Inc. Competitor
Any Person which (a) owns or controls a payment card system or is directly or indirectly owned or
controlled by an entity that owns or controls a payment card system; and (b) such entity poses a
substantial risk of disloyal competition in favour of such other payment card system, to the detriment
of Visa Inc. outside the Territory.
Visa Inc. CRB Listing Region
Respectively each of the five Visa Inc. regions existing outside the Territory, which consist of:
Central and Eastern Europe, Middle East and Africa;
Asia-Pacific;
Canada;
Visa USA Inc.; and
Latin America and Caribbean.

Visa Inc. EMV Certification Authority
The entity that issues and manages Issuer Public Key Certificates in accordance with Visa Inc.specified requirements for Visa Payment Applications bearing a Visa Mark and that are EMVCompliant.
Visa Inc. Operating Regulations (VIOR)
The operating rules and regulations applicable to Visa Inc. and its Customers, as promulgated by Visa
Inc. from time to time.
Visa Inc. Systems
Systems operated by Visa Inc. or its Affiliates in the provision of services to Visa Europe, Customers or
Members.
Visa Inc. Transaction
A Transaction where the issuer of the Card used is a Customer, and the Merchant Outlet or ATM where
the Card is used is located outside the Territory. For Transactions completed aboard any passenger
transport vehicle such as an aircraft or a cruise line vessel, a Transaction shall be considered a Visa Inc.
Transaction when the Merchant deposits the Transaction Receipt outside of the Territory.
Visa Infinite Card
A Product Name for a Card that has attributes exceeding those of a Visa Gold Card and a Visa Platinum
Card and that is known as the Visa Infinite Card.
D-46

15 May 2013
Defined Terms
Visa Infinite Exclusive Privileges

A Merchant-partner program with exclusive offers for Cardholders of Visa Infinite Cards.
Visa Information Management Services
The optional services provided by Visa Europe to enhance reporting and data gathering under the Visa
Information Management Services Terms and Conditions and the Visa Information Management
Services Terms of Use.
Visa Integrated Billing Statement
A monthly report provided by Visa Europe to its Members that details charges assessed to Customers
or Members. Items appearing on this report are collected using the Fee Collection Transaction reason
code 5010.
Visa IntelliLink Spend Management
The optional service provided by Visa Europe, to its Members to access and manage multi-program
data, reports, statements, and expense management relating to Visa Commercial Cards under the Visa
Europe IntelliLink Spend Management Services Participation Agreement and the Visa Europe IntelliLink
Spend Management Terms of Use.
Visa Interchange Center
The Visa Europe facility that operates the Visa data processing systems and support networks.
Visa Interchange Directory
A directory established and maintained by Visa Inc. setting out contact information for Members and
Processors.
Visa Lower Priority Payment Application
The Payment Application(s) with a lower priority on a multi-application Card.
Visa Marks
Trademarks incorporating the term Visa and all Trademarks owned or used by Visa Inc. or any of its
Affiliates or Visa Europe or any of its Affiliates at 1 October 2007, as amended from time to time to
include New Visa Marks, and that are licensed by Visa Inc. to its Customers and to Visa Europe.
Visa Multichoice Card
A Chip Card that includes a combination of two or more Payment Applications on the same account,
with one Payment Application encoded as a Visa Higher Priority Payment Application.
VisaNet
The systems and services owned by Visa Inc. (as may be modified or enhanced from time to time),
including the V.I.P. System, BASE II and Visa Europe Authorization Service, and related components,
through which Online Financial Processing, Authorization, Clearing and Settlement services are
delivered to Customers and Members from time to time.
Visa Personal Payments
A money transfer service offered by an Issuer to its Cardholders, enabling Cardholders to transfer funds
from one Cardholder's account to another Cardholder's account using the Visa Personal Payments
Service.
Visa Personal Payments Mobile Application
A mobile application providing Cardholders with access to Visa Personal Payments.
Visa Personal Payments Service
The service provided by Visa Europe to its Issuers, which provides the money transfer processing for
Visa Personal Payments.
15 May 2013

D-47
Defined Terms
Visa Personal Payments Transfer

A funds transfer that consists of two interdependent Transactions:
The Account Funding Transaction (AFT)the debit Transaction in the funds transfer; and
Original Credit (OC)the credit Transaction in the funds transfer.

Visa Platinum Card
A Product Name for a Card 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; and
May also display the Visa Brand Mark with the Electron Identifier.
Visa Premier Card
A Product Name for a general-purpose Card known as the Visa Premier Card.
Visa Prepaid Load Service
A processing service that enables Settlement, through the Visa System, of funds associated with a Load
Transaction to a Prepaid Card at a Prepaid Partner.
Visa Products and Services
Products and/or services of the Visa Enterprise relating to financial services, payments, related
information technology and information processing services, including credit Cards and debit Cards
and Authorization, processing, Clearing and Settlement services marketed, offered, provided, sold or
distributed in connection with the Visa Enterprise.
Visa Purchasing Card
A Card offered to mid-to-large size companies that is used to manage commercial purchases,
excluding Visa Corporate Cards and V Distribution Program Cards.
Visa-Recognised Payment Authentication Method
The Visa Secure Electronic Commerce methods that are approved by Visa Europe and that a Member
must use within the Interchange domain. Currently these are:
Chip Electronic Commerce as defined in the Chip Electronic Commerce Specifications

Version 1.0, using the Chip Authentication Cryptogram to replace the Cardholder
signature; and
Verified by Visa (VbV).

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 Signature Card
A Product Name for a Card that has attributes exceeding those of a Visa Gold Card and Visa Platinum
Card and that is known as the Visa Signature Card.
Visa SimplyOne Card
A Chip Card that includes a combination of a Visa Higher Priority Payment Application and a Visa
Lower Priority Payment Application, including duplications of application instances. Allowed Payment
Applications are debit, credit, prepaid and charge card (UK only). A Visa SimplyOne Card can be a Visa
D-48

15 May 2013
Defined Terms
Visa Smart Debit/Credit Personalisation Assistant Profile

A Card definition used by a Member for the personalisation of a Card, and by Visa Europe to validate
data on Cards being issued by a Member.
Visa Smart Debit/Credit Personalisation Assistant Tool
A web-based tool, available from Visa Online, allowing Issuers implementing a Chip program to design
the personalisation settings for their Chip Cards, thereby ensuring compliance with Visa Europe
requirements and recommendations for their Visa Product. This tool is also known by the acronym
VPA.
Visa Smart Payment
EMV-Compliant and either VIS-Compliant or CPA-Compliant applications that provide payment
service options and controls to Issuers of Chip Cards bearing the Visa Brand Mark, the Visa Brand Mark
with the Electron Identifier or the Plus Symbol.
Visa System
The information technology and other systems and platforms for global data processing and payment
Authorization, Clearing and Settlement, including VisaNet and the Visa Europe Clearing and
Settlement Service used by the Visa Enterprise.
Visa System Processor
A Member or a third party that is directly connected to the Visa System and provides Authorization,
Clearing, Settlement, or payment-related processing services for Merchants, or Members.
Visa TravelMoney Card
A Prepaid Card that may be purchased and used worldwide by the Cardholder to obtain local currency
at Visa/Plus ATMs and, if the Visa Brand Mark or Visa Brand Mark with the Electron Identifier appears
on the Card, used at Point-of-Transaction Terminals.
Visa Vale Products and Services
Visa Products and Services provided under the Visa Brand Mark with the Vale Identifier.
VIS-Compliant
A Card application that complies with the requirements specified in the Visa Integrated Circuit Card
Specifications.
V PAY Brand Mark
Standards.
W
X, Y, Z
15 May 2013
Wordmark
A Mark consisting entirely of a word.
Zero Floor Limit
A Floor Limit with a currency amount of zero (that is, Authorization is required for all Transactions).

D-49
Index
Airline
Airline Transaction Record Data
Requirements A-37, A-49
Arbitration
Appeal Filing Fee 2-7
Appeal Rights 2-7
Invalid Request 2-5
Review Fee 2-6
Time Limits 2-4
Valid Request 2-5
Arbitration and Compliance Committee 2-5
Arbitration Process 2-4
Arbitration Decision 2-6
Filing Procedures 2-4
Filing Reasons 2-4
Opposing Members Response 2-5
Assigning Merchant Category Codes B-1
ATM
Transaction Receipts A-135
Authorization Requests
Account Number field A-63, A-84
Acquiring Institution Country Code field A-65,
A-86
Acquiring Institution Identification Code
field A-68, A-90
Additional POS Information field A-71, A-93
Authorization Code field A-69, A-91
Card Acceptor Identification Code field A-70,
A-92
Card Acceptor Name and Location field A-70,
A-92
Cardholder Billing Currency Code field A-71,
A-93
Expiration Date field A-65, A-85, A-86
Merchant Category Code field A-65, A-86
Message type indicator A-63, A-84
POS Condition Code field A-67, A-81, A-88,
A-90
POS Entry Mode Code field A-66, A-87
Processing Code field A-63, A-84
15 May 2013
Required data A-63, A-84

Response Code field A-91
Retrieval Reference Number field A-68, A-90
Transaction Amount field A-64, A-85
Transaction Currency Code field A-71, A-73,
A-93, A-96
Transmission Date and Time field A-64, A-85
Visa Private-Use Field A-74, A-96
VSEC Subfields Field A-74, A-96
Authorization Responses
A-86
field A-68, A-90
Additional POS Information field A-71, A-93
Authorization Code field A-69, A-91
A-92
A-92
A-93
Expiration Date field A-65, A-85, A-86
Merchant Category Code field A-65, A-86
Message type indicator A-63, A-84
POS Condition Code field A-67, A-81, A-88,
A-90
Required data A-63, A-84
Response Code field A-91
Retrieval Reference Number field A-68, A-90
Transaction Currency Code field A-71, A-73,
A-93, A-96
Visa Private-Use Field A-74, A-96
VSEC Subfields Field A-74, A-96

Index
ii
BASE II Record Requirements A-27

Account Number extension field A-28, A-39
Acquirer Reference Number field A-28, A-40
Authorization Code field A-33, A-45, A-108,
A-109, A-113
Card Acceptor Identification Code field A-42
Chargeback Reference Number field A-33,
A-46
Documentation Indicator field A-34, A-46
Electronic Commerce A-35, A-47
Mail/Phone Order A-35, A-47
Member Message field A-34, A-46
Merchant Category field A-44
Merchant Country field A-32
Prepaid Card Indicator field A-37, A-49
Reason Code field A-32, A-45
Recurring Transaction Indicator A-35, A-47
Reimbursement Attribute field A-45
Requested Payment Service field A-44
Special Chargeback Indicator field A-35, A-47
Special Condition Indicators field A-34, A-47
Merchant Transaction Indicator A-34,
A-47
Risk Identification A-34, A-47
Transaction Code Qualifier field A-27, A-39
Transaction codes A-27, A-39
Transaction Currency Code field A-28, A-40
field A-37, A-49
Usage Code field A-32, A-45
BIN
Licence Agreement
Instructions A-100
Release Form A-115
Instructions A-113 A-114
Release of BIN form A-115
BIN Licensee User Form
Changing A-109
Cancelled Recurring Transaction, Reason Code
41 1-139, 1-140
Condition 1 1-141
Condition 2 1-143
Condition 3 1-144, 1-145, 1-146, 1-147, 1-148
Card Recovery Bulletin or Exception File, Reason
Code 70 1-81, 1-82
Condition 1 1-84, 1-85
Condition 2 1-86
Cardholder
3-D Secure compliance 3-9
Chargeback
limitations 1-12
Chargeback/Representment Documentation
Transmittal A-9
Chip Card
EMV Liability shift
Visa Europe, summary A-146
Clearing Record
Compliance
Documentation A-26
Counterfeit Transaction, Reason Code 62 1-45
Condition 1 1-49, 1-52, 1-54, 1-56
Credit Not Processed, Reason Code 85 1-139,
1-156
Condition 1 1-158
Condition 2 1-159 1-160
Condition 3 1-161
Condition 4 1-163, 1-164
Condition 5 1-165, 1-166
Condition 6 1-167
data fields A-148, A-149

Declined Authorization, Reason Code 71 1-81, 1-87
Condition 1 1-88, 1-89, 1-92, 1-93
Condition 2 1-90 1-91
Dispute Groups
Group 1, Request for Information 1-35
Group 2, Fraud 1-45
Group 3, Authorization 1-79, 1-81
Group 4, Processing Error 1-107
Group 5, Cancelled/Returned 1-139
Group 6, Non-Receipt Goods/Services 1-169
Dispute resolution
Exhibits A-9
Dispute Resolution Forms A-9, A-9 A-10
Duplicate Processing, Reason Code 82 1-107,
1-130
Condition 1 1-131 1-132
Condition 2 1-133, 1-134
Exceptions to the Arbitration Process 2-7

Exhibits
Dispute resolution A-9
Expired Card, Reason Code 73 1-81
Floor Limits
Category codes B-4
Forms
Release of BIN A-115
Visa Interchange Directory Update A-121
Fraud, Card-absent Environment, Reason Code
83 1-45, 1-69
Fraud, Card-present Environment, Reason Code
81 1-45, 1-57
Condition 2 1-63 1-65, 1-67, 1-68
Fraudulent Multiple Transactions, Reason Code
57 1-45
Condition 1 1-48

15 May 2013
Index
Illegible Fulfillment, Reason Code 60 1-35

Condition 1 1-37
Incorrect Currency or Transaction Code or Domestic Transaction Processing Violation, Reason
Code 76 1-107, 1-113
Condition 1 1-114
Condition 2 1-115
Condition 3 1-116 1-117
Condition 4 1-118 1-119
Incorrect Currency or Txn Code or Domestic Txn
Processing Violation, Reason Code 76
Condition 5 1-120
Incorrect Transaction Amount or Account
Number, Reason Code 80 1-124
Condition 1 1-125, 1-126
Condition 2 1-127, 1-128
Condition 3 1-129
Issuer Chargeback Form
Authorization A-13
Late Presentment, Reason Code 74 1-107, 1-109

Condition 1 1-110 1-111
Condition 2 1-112
Liability
Liability shift for Electronic Commerce
Transactions 3-7
Licensed software A-132
Magnetic Stripe
EMV Liability shift, Visa Europe, post-2005
summary A-146
Merchant Category Codes
Assigning B-1
Listed in numerical order B-39
Merchant Fraud Performance Program 1-45, 1-78,
1-79
Merchant Fraud Performance Program, Reason
Code 93 1-78, 1-79
Message Content
A-77
field A-58, A-78
A-80
Card Acceptor Identification field A-60, A-80
A-80
Cardholder Authentication Verification Value
Results Code field A-60, A-70, A-80,
A-92
Cardholder Billing Amount field A-56, A-76
A-81
Financial Transactions A-55, A-75
Merchant Type field A-57, A-77
Message Reason Code field A-61, A-82
15 May 2013
Network Identification Code field A-61, A-82

POS Condition Code field A-58, A-78
Retrieval Reference Number field A-58,
A-58 A-92
Settlement Amount field A-56, A-76
Settlement Currency Code field A-60, A-81
Settlement Date field A-57, A-77
System Trace Audit Number field A-56, A-77
Transaction Currency Code field A-60, A-81
Transaction Date field A-57, A-77
Transaction Time field A-56, A-77
VisaNet A-55
Message Reason Code
Electronic Commerce Indicator field A-61,
A-82
Original Data Elements field A-62, A-83
Reimbursement Attribute field A-61, A-83
Transaction-Specific Data field A-62, A-83
Visa Inc/Europe Private-Use field A-62, A-83
Message Type Indicator A-75
No Authorization, Reason Code 72 1-81

Non-matching Account Number, Reason Code
77 1-107, 1-121, 1-122
Condition 1 1-122
Condition 2 1-123
Non-receipt of Cash or Load Transaction Value at
ATM or Load Device, Reason Code 90 1-169,
1-175
Not as Described or Defective Merchandise, Reason Code 53 1-139, 1-149
Condition 1 1-150 1-151
Condition 2 1-152, 1-153, 1-154
Paid by Other Means, Reason Code 86 1-107

Condition 1 1-135, 1-136
Passenger Itinerary Data A-37, A-49
Pre-Arbitration
Acceptance 2-4
Attempt 2-3
Rebuttal 2-4
Response 2-3
Pre-Arbitration Acceptance 2-4
Pre-Arbitration Attempt 2-3
Pre-Arbitration Conditions 2-3
Pre-Arbitration Rebuttal 2-4
Pre-Arbitration Response 2-3
Pre-Compliance
Acceptance 3-3
Data Compromise Recovery 3-3
Rebuttal 3-3

iii
Index
Reason Code 78, Service Code Violation 1-81

Condition 1 1-104, 1-106
Reason Code 80, Incorrect Transaction Amount or
Account Number 1-107, 1-124
Condition 1 1-125, 1-126
Condition 2 1-127, 1-128
Condition 3 1-129
Reason Code 81, Fraud, Card-present
Environment 1-45, 1-57
Condition 2 1-63 1-65, 1-67, 1-68
Reason Code 82, Duplicate Processing 1-107,
1-130
Condition 1 1-131 1-132
Condition 2 1-133, 1-134
Reason Code 83, Fraud, Card-absent
Environment 1-45, 1-69
Reason Code 85, Credit Not Processed 1-139,
1-156
Condition 1 1-158
Condition 2 1-159 1-160
Condition 3 1-161
Condition 4 1-163, 1-164
Condition 5 1-165, 1-166
Condition 6 1-167
Reason Code 86, Paid by Other Means 1-107
Condition 1 1-135, 1-136
Reason Code 90, Non-receipt of Cash or Load
Transaction Value at ATM or Load Device 1-169,
1-175
Reason Code 93, Merchant Fraud Performance
Program 1-78, 1-79
Required Message Content
VisaNet Authorization Requests A-63
Pre-Compliance Acceptance 3-3

Pre-Compliance Attempt 3-3
Pre-Compliance Rebuttal 3-3
Pre-Compliance Response 3-4
Proximity Payments A-135, A-137, A-140, A-148,
A-149
iv
Reason Code 30, Services Not Provided or Merchandise Not Received 1-169, 1-170, 1-171
Condition 1 1-171
Condition 2 1-173, 1-174
Reason Code 41, Cancelled Recurring
Transaction 1-139, 1-140
Condition 1 1-141
Condition 2 1-143
Condition 3 1-144, 1-145, 1-146, 1-147, 1-148
Reason Code 53, Not as Described or Defective
Merchandise 1-139, 1-149
Condition 1 1-150 1-151
Condition 2 1-152, 1-153, 1-154
Reason Code 57, Fraudulent Multiple
Transactions 1-45
Condition 1 1-48
Reason Code 60, Illegible Fulfillment 1-35
Condition 1 1-37
Reason Code 62, Counterfeit Transaction 1-45
Condition 1 1-49, 1-52, 1-54, 1-56
Reason Code 70, Card Recovery Bulletin or Exception File 1-81, 1-82
Condition 1 1-84, 1-85
Condition 2 1-86
Reason Code 71, Declined Authorization 1-81, 1-87
Condition 1 1-88, 1-89, 1-92, 1-93
Reason Code 72, No Authorization 1-81
Reason Code 73, Expired Card 1-81
Reason Code 74, Late Presentment 1-107, 1-109
Condition 1 1-110 1-111
Condition 2 1-112
Reason Code 75, Transaction Not Recognized 1-35
Condition 1 1-38
Reason Code 76, Incorrect Currency or Transaction Code or Domestic Transaction Processing
Violation 1-107, 1-113
Condition 1 1-114
Condition 2 1-115
Condition 3 1-116 1-117
Condition 4 1-118 1-119
Reason Code 76, Merchant did not process a Reversal or an Adjustment within 30 calendar days
for a Transaction Receipt in error Violation
Condition 5 1-120
Reason Code 77, Non-matching Account
Number 1-107, 1-121, 1-122
Condition 1 1-122
Condition 2 1-123
Service Code Violation, Reason Code 78 1-81

Condition 1 1-104, 1-106
Services Not Provided or Merchandise Not Received, Reason Code 30 1-170, 1-171
Condition 1 1-171
Condition 2 1-173, 1-174
Single Message System A-55, A-75
Summary of Compliance Documentation A-26
T&E (Travel and Entertainment) B-1

TCR3 record, Airline Transaction Record Data
Time Limits 2-4
Timeshare Transactions B-2
Transaction Not Recognized, Reason Code 75 1-35
Condition 1 1-38
Transaction Receipt
Electronic, requirements A-135 A-136
Transaction Receipts A-135, A-137, A-140
format
ATM A-135

15 May 2013
Index
Transaction Record
Transactions
Timeshare B-2
Travel and Entertainment (T&E) B-1
Visa Drive 1-97, D-10, D-32, D-42

Cardholder certification 1-31
Visa Interchange Directory Update Form A117 A-120, A-121
VisaNet
Letter of Agreement A-131
Message Content A-55
15 May 2013


The Card Acceptance Complaint Form is to be used by Members to report to Visa Europe any Merchant or Cardholder
complaints (domestic or international) concerning Card acceptance or Transaction processing issues that are of concern
to the Member and are not addressed by existing Chargeback or Compliance rights. Visa Europe maintains a centralized
database of these complaints that includes specific information concerning the parties involved and the nature of the
complaints. It is used to determine the nature and extent of problems, and also to aid Visa Europe in the evaluation of rule
enhancements and the identification of abusive practices, specific problem Merchants or Cardholders, and other patterns
of concern.
The use of this form is optional. It may be submitted at any time the Member deems appropriate. Visa Europe will
investigate complaints when appropriate and reserves the right to intervene at its discretion; however, submission of this
form is not intended to be a replacement for Member customer service. Under no circumstances is this form to be
provided to a Cardholder, a Merchant, or any other third party. Each form must be completed and submitted by the
Member receiving the complaint. This form must not be used in situations where Chargeback, Arbitration, Compliance, or
Resolution Rights are available to the Member.
While the majority of complaints are self-explanatory, the following examples clarify certain categories.
103
Non-Acceptance of Card
A Merchant refused to accept a valid Visa Card where the Visa Marks were displayed. A detailed explanation
of why the card was not accepted must be provided. Please indicate the type of card product not accepted (for
example, Visa Classic Card, Visa Business Card, Visa Gold Card, Visa Electron Card, Visa TravelMoney).
105
Erroneous Merchant Description

The Merchant with whom the Cardholder did business used a different Merchant description when the
Transaction was processed that was not recognized by the Cardholder on his billing statement, thus resulting
in an unnecessary Cardholder inquiry.
106
Authorization-Related Complaints
This category is to be used for any Authorization-related complaint either from the Cardholder (for example,
unnecessary referrals or time-consuming authorization procedures) or Merchant. A detailed explanation of
the Authorization-related complaint must be provided.
108
Nature of Merchant Business

Visa Cards are accepted by a Merchant whose business is one that the Cardholder finds morally or ethically
offensive. Examples include furriers or pornographers.
111
Merchant Re-Billing After Chargeback

A Transaction has already been disputed and credited (usually due to a successful Chargeback by the Issuer)
but has been re-billed by the Merchant.
113
Incorrect Merchant Category Code Used

A Transaction was processed by a Merchant with an incorrect Merchant Category Code (MCC). (Use the
Consumer Dispute Complaint Form for a retail or T&E Transaction processed as a Cash Disbursement.)
199
Other
This category is to be used for any other Card acceptance complaints received from either a Cardholder or
Merchant. A detailed explanation of the complaint is required. If the complaint concerns a consumer
protection dispute, please use the Consumer Dispute Complaint Form.
Please complete the form and then either; email a scanned copy to the customer support email address:
customersupport@visa.com; or post it to: Customer Support, Visa Europe, P.O. Box 39662, London W2
6WH, United Kingdom.

Members should complete this form upon the discovery of suspected Card acceptance or Transaction
processing violations that may be protected through the enforcement of the Visa Europe Operating Regulations,
but are not covered under Chargeback or Compliance rights. Visa Europe will maintain a record of all
complaints received. For possible enforcement action, all supporting documentation must be attached and all
fields must be completed in English (or an English translation must be provided). This form must be completed
by a Member and may not be given to a Cardholder, a Merchant, or any other third party. Members must
submit this form and any documentation to Visa Europe.
Member Record Number: _____________________________________ Region Record Number:
Issuer Name: ________________________________________________ BIN:Country: ___________________
Acquirer Name: ______________________________________________ BIN: Country: ___________________
Cardholder Name: ___________________________________________ Account Number: __________________________________________
Cardholder City: _____________________________________________ Cardholder Country:
Acquirer Reference Number: __________________________________ Amount in dispute (in Transaction Currency):
Merchant Name: _____________________________________________ Merchant Address:
Merchant Location (city): _____________________________________ Merchant Category Code Used:
Postal Code: _________________________________________________ Correct Merchant Category Code
Check the description of the complaint most applicable, provide a brief explanation, and attach any documentation.
101
Surcharge Imposed
108 Nature of Merchant Business
102 Minimum/Maximum Transaction Amount Imposed
109 Improper Use of Service Marks
103 Non-Acceptance of Card
110
Currency Conversion Issues
104 Additional ID Required for Card Acceptance
111
Merchant Re-Billing after Chargeback
105 Erroneous Merchant Description
112
Card Confiscated
106 Authorization-Related Complaints
113
Incorrect Merchant Category Card Used
107 Car Rental Merchant Required Purchase of CDW
199 Other (provide detailed explanation)
Explanation: _________________________________________________
____________________________________________________________
____________________________________________________________
Transaction Date: ____________________________________________ Date of Cardholder Complaint:
Was a Chargeback processed for this Transaction:
Was a Chargeback represented?:
Was the Cardholder credited?:
No
No
No
Yes
Which Chargeback: Date:
Yes _______________ Date:

Yes Date:_____________ Amount:Due to Chargeback?
Write-off?
Reason Chargeback or Compliance rights do not apply: ___________

____________________________________________________________
Complaint Submitted by:

Contact Name: ______________________________________________ Member Name:
Title: _______________________________________________________ Mailing Address:
Telephone Number: __________________________________________
Fax: ________________________________________________________
Email Address: ______________________________________________
Date: _______________________________________________________

The Consumer Dispute Complaint Form is to be used by Members to report to Visa Europe any Merchant or Cardholder
complaints (domestic or international) concerning consumer protection issues that are of concern to the Member and are
not addressed by existing Chargeback or Compliance rights. Visa Europe maintains a centralized database of these
complaints that includes specific information concerning the parties involved and the nature of the complaints. It is used to
determine the nature and extent of problems, and also to aid Visa Europe in the evaluation of rule enhancements and the
identification of abusive practices, specific problem Merchants or Cardholders, and other patterns of concern.
The use of this form is optional. It may be submitted at any time the Member deems appropriate. Visa Europe will
investigate complaints when appropriate and reserves the right to intervene at its discretion; however, submission of the
form is not intended to be a replacement for Member customer service. Under no circumstances is this form to be
provided to a Cardholder, a Merchant, or any other third party. Each form must be completed and submitted by the
Member receiving the complaint. This form must not be used in situations where Chargeback, Arbitration, Compliance, or
Resolution Rights are available to the Member
While the majority of complaints are self-explanatory, the following examples clarify certain categories.
01
Merchandise/Service Not as Described/Expected or Not Received

The merchandise or service the Cardholder purchased or contracted for was not as described, not as expected, or not
received (for complaints that do not meet existing Chargeback conditions for Chargeback reason codes 30, 53, or 90).
02
Defective Merchandise
Merchandise purchased was defective (for complaints that do not meet existing Chargeback conditions for Chargeback
reason code 56).
03
No Credit for Returned Merchandise

Merchandise was returned by post to the Merchant or returned in person to the Merchant location, and no credit was
provided (for complaints that do not meet existing Chargeback conditions for Chargeback reason code 85).
04
Merchant Procedure
The Cardholder objects to a questionable Merchant procedure as a condition of sale. Examples include requiring the
Cardholder to sign a blank, imprinted Transaction Receipt or depositing a Transaction Receipt that was to be held only as
security until the return of rental equipment.
06
Retail Transaction Processed as Cash Disbursement

A retail Transaction was processed as a Cash Disbursement, thus subjecting the Cardholder to additional fees and
restricting Chargeback rights. Cardholder has evidence of the retail Transaction (for complaints that are not covered by
Chargeback reason code 80).
07
Airline, Car Rental, or Hotel Dispute

This category is to be used for any Airline, car rental, or Hotel dispute that is not covered in existing Chargeback or
Compliance rights.
08
VAT Refund/Other Customs Dispute

The Cardholder traveled internationally and did not receive the VAT/TVA refund he believes is due. (VAT is a Value-Added
Tax which may be refunded to foreign customers under certain conditions.) Any other customs-related dispute must be
clearly explained.
10
Canceled Transaction
The Transaction was canceled in process. The Cardholder never took possession of the merchandise or received any
services.
14
Alleged Fraudulent MO/TO Solicitation Scheme

The Cardholder was the victim of a fraudulent telephone or direct mail contest or lottery scheme. For example, the
Cardholder may have been coerced into providing his Account Number as identification to claim a prize and later was
charged for merchandise which was not ordered (and may or may not have been received), or the Cardholder was
guaranteed to win a certain amount by purchasing lottery tickets either by telephone or mail.
99
Other
The Cardholder complaint is not addressed in any individual category, but the Member feels Visa Europe should be
informed. A detailed description of the complaint must be provided by the submitting Member. This category may be used
for any Merchant complaints.

Members should complete this form for consumer protection-related disputes that do not meet the criteria of
any existing Chargeback or Compliance right. Visa Europe will maintain a record of all complaints received. For
the complaint to be included in the database, supporting documentation is required. This form and any
applicable documentation must be completed in English (or an English translation must be provided). This
form must be completed by a Member and must not be given to a Cardholder, a Merchant, or any third party.
Members must submit this form to Visa Europe.
Member Record Number: _____________________________________ Region Record Number:
Issuer Name: ________________________________________________ BIN: Country:
Acquirer Name: ______________________________________________ BIN: Country:
Cardholder Name: ___________________________________________ Account Number:
Cardholder City: _____________________________________________ Cardholder Country:
Acquirer Reference Number: __________________________________ Amount in dispute (in Transaction Currency):
Merchant Name: _____________________________________________ Merchant Address:
Merchant Location (city): _____________________________________ Merchant Category Code Used:
Postal Code: _________________________________________________ Correct Merchant Category Code
Check the description of the complaint most applicable, provide a brief explanation, and attach any documentation.
01
Merchandise/Service Not as Described/Expected
or
Not Received
02
Defective Merchandise
03
No Credit for Returned Merchandise
04
Questionable Merchant Procedure
09
Altered Draft/Overcharge
10
Canceled Transaction
11
Multiple Imprinting of Drafts
12
Quality of Merchandise or Service (T&E Only)
13
Quality of Merchandise or Service (All Other
Merchants)
05
Merchant Refund/Return Policy
14
06
Retail Transaction Processed as Cash Disbursement
15
Alleged Merchant Extortion/Intimidation
07
Airline, Car Rental or Hotel Dispute
99
Other (provide detailed explanation)
08
VAT Refund/Other Customs Dispute
Alleged Fraudulent MO/TO Solicitation Scheme
Explanation: _________________________________________________
____________________________________________________________
____________________________________________________________
Transaction Date: ____________________________________________ Date of Cardholder Complaint:
Was a Chargeback processed for this Transaction:
Was a Chargeback represented?:
Was the Cardholder credited?:
No
No
No
Yes
Which Chargeback: Date:
Yes _______________ Date:

Yes Date:_____________ Amount:Due to Chargeback?
Write-off?
Reason Chargeback or Compliance rights do not apply: ___________

____________________________________________________________
Contact Name: ______________________________________________ Member Name:
Title: _______________________________________________________ Mailing Address:
Telephone Number: __________________________________________
Fax: ________________________________________________________
Email Address: ______________________________________________
Date: _______________________________________________________

To order printed copies of the Visa Europe Operating Regulations, your organisation must be a Principal
Member or a Group Member. If your organisation is not a Principal Member or a Group Member, please
request the operating regulations through your sponsoring Principal Member or Group Member. The operating
regulations are available in both electronic and paper format. Electronic versions of the Visa Europe Operating
Regulations are available at Visa Online.
Subscription Orders - If you wish to receive paper copies of the latest edition of the Visa Europe Operating
Regulations and to continue receiving copies when new editions are printed, you must make a request in the
Subscription Order area of this form.
One-Time Orders - If you wish to receive paper copies of the latest Visa Europe Operating Regulations, you
must make a request in the One-Time Order area of this form.
All printed versions of the Visa Europe Operating Regulations cost 50 per book. Members will be billed at the
end of the month in which their order is shipped.
Subscription Orders
Publication Name
Pub ID
Quantity
Visa Europe Operating RegulationsVolume I, General Rules
10001
__________
Visa Europe Operating RegulationsVolume II, Dispute Resolution Rules
10002
__________
V PAY Operating Regulations
10003
__________
Visa Europe Operating RegulationsUnited Kingdom (UK Members only)
10004
__________
Visa Europe Articles of Association, Membership Regulations and Bylaws
10005
__________
Publication Name
Pub ID
Quantity
Visa Europe Operating RegulationsVolume I, General Rules
10001
__________
Visa Europe Operating RegulationsVolume II, Dispute Resolution Rules
10002
__________
V PAY Operating Regulations
10003
__________
Visa Europe Operating RegulationsUnited Kingdom (UK Members only)
10004
__________
Visa Europe Articles of Association, Membership Regulations and Bylaws
10005
__________
One-Time Order
Subscriber Information
Please type or print clearly. All information must be completed.
Principal Member Business ID:
_____________________________________
Member Name:
____________________________________________________
Contact Name:
____________________________________________________
Legal Address:
____________________________________________________
Address Line 2:
____________________________________________________
Address Line 3:
____________________________________________________
Billable BIN:
_______________
Telephone:
_______________
Please complete this form and then either; email a scanned copy to the operating regulations email address:
opregs@visa.com; or post it to: Operating Regulations Department, Visa Europe, P.O. Box 39662, London
W2 6WH, United Kingdom.

It is the intention of the Visa Europe Operating Regulations development staff to make our publications easy to
use and understand. Please use this form to forward any suggestions you may have for improving this
document. All input is welcome.
Member Information
Principal Member Business ID:
____________________________________
Member Name:
____________________________________________________
Contact Name:
____________________________________________________
Legal Address:
____________________________________________________
Address Line 2:
____________________________________________________
Address Line 3:
____________________________________________________
Billable BIN:
______________
Telephone:
______________
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Visa Europe Operating Regulations Volume II - Dispute Resolution Rules, May 2013

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Visa Europe Operating Regulations

Volume II - Dispute Resolution Rules

BIN Licensing and Management

Section 1.8.B.1, Section 1.8.C.2;

Section 3.1.D.2, Section 3.4.C, Section 3.4.D, Section 3.9; and

Exhibits - Exhibit 4A, Exhibit 4E.

Cash Disbursement Fees

VISA EUROPE CONFIDENTIAL INFORMATION - Member Use Only

Section 7.5.A.1, Section 7.6.B; and

Appendix D, "Defined Terms".

Reason Code 30 Services Not Provided or Merchandise Not Received;

Reason Code 53 Not as Described or Defective Merchandise;

Reason Code 81 FraudCard-Present Environment; and

Reason Code 83 FraudCard-Absent Environment.

Cross Border Fraud Acquirer and Issuer Monitoring Programs

Program reporting will be at BID level.

Section 1.6.D.25; and

Data Protection Clarifications

Section 1.16; and

VISA EUROPE CONFIDENTIAL INFORMATION - Member Use Only

Electronically Delivered Transaction Receipts

Section 5.3.E; and

Appendix A, "Exhibits", Exhibit 7I and Exhibit 7J.

Instalment Transaction terms and conditions;

Instalment Transaction guidelines; and

Merchant authorisation guidelines.

VISA EUROPE CONFIDENTIAL INFORMATION - Member Use Only

Clarification of the responsibilities of sponsoring Members in relation to the completion of all

National Net Settlement Service Mandate

Section 6.2.E.4, Section 6.2.E.5; and

Appendix D, "Defined Terms".

PIN Management Requirements Documents

Section 1.1.C.2.d, Section 1.5.A;

Section 2.1.F; and

VISA EUROPE CONFIDENTIAL INFORMATION - Member Use Only

Section 4.8.A.1, Section 4.8.A.2 and Section 4.8.A.3.

Processing Transactions through VEAS and VECSS

Acquirers using an airline authorising processor to acquire Transactions originating at either

Section 6.1.A and Section 6.1.B.

Proximity Payment Devices

Quarterly Operating Certificates

VISA EUROPE CONFIDENTIAL INFORMATION - Member Use Only

Reason Code 41 Cancelled Recurring Transaction - Changes to Chargeback

Table 1-12; and

Reason Code 41 Cancelled Recurring Transaction.

Transaction Identifier Processing

Section 6.2.A; and

Appendix D, "Defined Terms".

VISA EUROPE CONFIDENTIAL INFORMATION - Member Use Only

Section 4.10.A.8, Section 4.16.E;

Section 5.4.N.4, Section 5.4.V.1;

Section 10.2.B.7, Section 10.3.P; and

Appendix D, "Defined Terms".

Section 1.4.G.1.a; and

Reason Code 72 No Authorization.

Visa Gold Cards issued on Prepaid Accounts

Section 3.4.A.2 and Section 3.14.C.

Visa Multichoice Cards

Section 10.5.B.2; and

Appendix D, "Defined Terms".

VISA EUROPE CONFIDENTIAL INFORMATION - Member Use Only

Visa Personal Payments - Cardholder Statements

Visa Personal Payments - Immediate Payments

Section 6.5.C.12, Section 6.5.D.4, Section 6.5.D.5; and