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

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Visa Europe Operating Regulations

Volume II - Dispute Resolution Rules15 May 2013





VISA EUROPE CONFIDENTIAL INFORMATION - Member Use OnlyVisa Europe Operating Regulations

i15 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 I—General Rules have beenchanged:

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 I—General Rules has been

changed:

Table 8-18.

Supersedes Member Letter

VE 12/13



Summary of Changes


15 May 2013ii

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

The following sections in the Visa Europe Operating Regulations, Volume I—General Rules have been

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 II—Dispute 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 — Fraud—Card-Present Environment; and

Reason Code 83 — Fraud—Card-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.



Summary of Changes


iii15 May 2013

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 I—General 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



Summary of Changes


15 May 2013iv

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

BackgroundEffective 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



Summary of Changes


v15 May 2013

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 VisaEurope 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.



Summary of Changes


15 May 2013vi

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

The following section in the Visa Europe Operating Regulations, Volume I—General Rules has beenchanged:

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 andProcessors 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



Summary of Changes


vii15 May 2013

Visa Drive

Background

Requirements for the new Visa Drive Card Program have been added.

Regulation Changes

The following sections in the Visa Europe Operating Regulations, Volume I—General Rules have beenchanged:

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 Issuer’s 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 multi-

application Card.

Regulation Changes


changed:

Section 3.7 ;

Section 10.5.B.2; and




Summary of Changes


15 May 2013viii

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




ix15 May 2013

About the Visa Europe OperatingRegulations

This section describes the purpose and function of the Visa Europe Operating Regulations. It provides anoverview 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 I—General Rules, Section 1.1.B.1); or

Specifically to that Member pursuant to Visa Europe Operating Regulations, Volume I—General

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 I—General 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 II—Dispute 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 I—General 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.



About the Visa Europe Operating Regulations


15 May 2013x

Volume I—General 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 Acquirer-

Merchant 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 II—Dispute 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 II—Dispute Resolution Rules

Chapter 1, "Dispute Resolution": Governs the Transaction Receipt retrieval process, as well as a

Member’s 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. Thischapter specifies the allowable reasons and procedures for Arbitration.





xi15 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




Visa Europe Operating Regulations Comment Form

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 toin 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 2013xii

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 EuropeOperating Regulations, Volume I—General 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;





xiii15 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.



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xvii15 May 2013

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 Documents—Data 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



Table of Contents


15 May 2013xviii

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 - 13Chargeback 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 1—REQUEST FOR INFORMATION . . . . . . . . . . . . . . . . . . . . .1 - 35

Reason Code 60 — Illegible Fulfilment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 36

Reason Code 75 — Transaction not recognised . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 38

1.7 DISPUTE GROUP 2—FRAUD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 45

Reason Code 57 — Fraudulent Multiple Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 46

Reason Code 62 — Counterfeit Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 49

Reason Code 81 — Fraud—Card-Present Environment . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 57

Reason Code 83 — Fraud—Card-Absent Environment . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 69

Reason Code 93 — Merchant Fraud Performance Program . . . . . . . . . . . . . . . . . . . . . . . 1 - 78

1.8 DISPUTE GROUP 3—AUTHORIZATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 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 4—PROCESSING 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



Table of Contents


xix15 May 2013

1.10 DISPUTE GROUP 5—CANCELLED/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 6—NON-RECEIPT GOODS/SERVICES . . . . . . . . . . . . . . . . 1 - 169Reason 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 - 3Pre-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



Table of Contents


15 May 2013xx

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 - 5Copy 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 3–D 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 Member’s Response . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13

Requesting Member’s 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




1-115 May 2013

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 Documents—Data 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

Chargeback Reduction Service . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12

Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12

Return of Presentment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12

Return of Chargeback . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 13



Dispute Resolution


15 May 20131-2

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 - 30Processing 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 1—REQUEST FOR INFORMATION . . . . . . . . . . . . . . . . . . . . .1 - 35

Reason Code 60 — Illegible Fulfilment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 36

Reason Code 75 — Transaction not recognised . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 38

1.7 DISPUTE GROUP 2—FRAUD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 45

Reason Code 57 — Fraudulent Multiple Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 46

Reason Code 62 — Counterfeit Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 49

Reason Code 81 — Fraud—Card-Present Environment . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 57

Reason Code 83 — Fraud—Card-Absent Environment . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 69

Reason Code 93 — Merchant Fraud Performance Program . . . . . . . . . . . . . . . . . . . . . . . 1 - 78

1.8 DISPUTE GROUP 3—AUTHORIZATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 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 4—PROCESSING 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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1-315 May 2013

1.10 DISPUTE GROUP 5—CANCELLED/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 6—NON-RECEIPT GOODS/SERVICES . . . . . . . . . . . . . . . . 1 - 169Reason 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






Dispute Resolution


1-515 May 2013

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 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.

1.2 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 TRANSACTION RECEIPT RETRIEVAL

1.3.A Request for Transaction Receipt Copy

An Issuer may request a Transaction Receipt copy from an Acquirer for the reasons set out in Table 1-

1 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 TransactionReceipts 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 requestCardholder request due to dispute

Fraud analysis request

Legal process request

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

28

2930

33

34

0028

00290030

0033

0034



Dispute Resolution


15 May 20131-6

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 theMerchant'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.

1.3.C 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 Fulfilment Document Requirements

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

Table 1-2 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



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1-715 May 2013

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

Electronic Commerce, Mail/Phone Order or

Recurring Transaction

Copy of Transaction Receipt (see Exhibit 7I and

Table 1-4)

2

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.

Substitute Transaction Receipt (see Table 1-4) 2

Retail Transaction

Copy of Transaction Receipt (see Exhibit 7I) 2

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.



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15 May 20131-8

1.3.C.2 Substitute Transaction Receipt Fulfilment Documents—Data 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

Document Type

Requested Document Cardholder written permission Substitute Transaction Receipt

Required Data

Account Number

Transaction Date

Transaction Amount

Authorization Code If any

Cardholder Signature 1

1. The Recurring Services Merchant must retain the Cardholder’s permission in a format such as an e-mail, other electronic

record or in paper form, for the duration of the Recurring Transactions, and provide it upon Issuer request as specified in

Volume I-General Rules, Section 5.3.C.

Not applicable

Merchant Name

Merchant Location Online address

Description Merchandise or services Merchandise or services2

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

Merchant Name

Transaction Date

Transaction Amount

Confirmation that Cardholder

made the Transaction using a Card



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Table 1-6 T&E Transactions

Car Rental Airline Hotel Cruise Line

Document Type

Copy of Transaction Receipt

Substitute Transaction Receipt 1

T&E Document 3 3 3

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

Merchant Location

Rental and Return location

Travel Agent Name and Address If applicable

Rental Agreement Number

Description 4

Airline flight

information

Dates of stay,

check-in, and

check-out

Dates of cruise

embarkation and

disembarkation

Itemised Charges 2 5 5

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 beincluded 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.



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15 May 20131-10

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 aRetrieval 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 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 located—Chargeback

04 Acquirer will not fulfil—Chargeback

05 Transaction Receipt not required or previously fulfilled



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1-1115 May 2013

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 I—General 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 followingreasons:

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 CHARGEBACKS AND REPRESENTMENT

1.4.A Chargeback and Representment Process

After receiving a Presentment, an Issuer may charge back a Transaction to the Acquirer under the

conditions specified 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.

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.

ACQUIRER ISSUER

Presentment

RepresentmentPre-Arbitration

(if required)

Arbitration

Chargeback



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15 May 20131-12

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 Chargeback Process for Small Ticket Transactions and Visa Easy Payment Service

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 theDispute 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 II—Dispute Resolution Rules;

or

Accept financial liability for the Transaction.

Rejected Chargebacks are not considered completed Chargebacks.

1.4.E.2 Return of Presentment

1.4.E.2.a 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.



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1-1315 May 2013

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 II—Dispute 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 II—Dispute 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 — Fraud—Card-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 eachgroup, 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 Information—Group 1 Chargeback Reasons” ;

Table 1-9 , “Fraud—Group 2 Chargeback Reasons” ;

Table 1-10 , “Authorization—Group 3 Chargeback Reasons” ;

Table 1-11 , “Processing Error—Group 4 Chargeback Reasons” ;

Table 1-17 , “Original Credit Money Transfer Chargeback Reasons” ; and

Table 1-21 , “General Requirements For Dispute Group 1—Request 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 II—Dispute

Resolution Rules.



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15 May 20131-14

1.4.F.2.a Request for Information—Group 1

Table 1-8 lists the Chargebacks that may apply if an Issuer initiated a Retrieval Request and the

Acquirer:

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 Information—Group 1 Chargeback Reasons

Chargeback

Reasons

Reason Code Summary of Description/Conditions Time Limit (Calendar

Days) from the

Processing Date of the

Transaction1

1. Unless otherwise specified in the Visa Europe Operating Regulations, Volume II—Dispute Resolution Rules.

Effective for

Chargebacks

initiated up to

and including a

ProcessingDate 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



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1.4.F.2.b Fraud—Group 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 Fraud—Group 2 Chargeback Reasons

Chargeback

Reasons


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

CounterfeitTransaction

62 • A Counterfeit Card was used for aMagnetic 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 Chip-

initiated 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 whererequired risk control procedures were not

followed.

120

Fraud—Card-

Present

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 signatureor 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



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15 May 20131-16

Fraud—Card-

Absent

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


Table 1-9 Fraud—Group 2 Chargeback Reasons (Continued)

Chargeback

Reasons


Days) from the


Transaction1



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1-1715 May 2013

1.4.F.2.c Authorization—Group 3

Table 1-10 lists the Chargebacks that may apply if a Merchant or an Acquirer did not follow the proper

Authorization procedures for accepting a Transaction.

Table 1-10 Authorization—Group 3 Chargeback Reasons

ChargebackReasons

Reason Code Summary of Description/Conditions Time Limit (CalendarDays) 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 Chip-

initiated Transaction received a

Decline Response, Pickup Responseor 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 didnot obtain Authorization.

75



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15 May 20131-18

Expired Card 73 • A Merchant completed a Transaction with

a Card that expired prior to the

Transaction Date, and the Merchant did

not obtain Authorization.

• 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 theMagnetic Stripe indicated that the Card

was invalid for the Transaction, and the


75


Table 1-10 Authorization—Group 3 Chargeback Reasons (Continued)

Chargeback

Reasons


Days) from the


Transaction1



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1-1915 May 2013

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

Chargeback Reason Reason Code Summary of Description/Conditions 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 timelimits 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 Merchant’s

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 Issuer’s

master file.

75



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15 May 20131-20

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 afterthe 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


Table 1-11 Processing Error—Group 4 Chargeback Reasons (Continued)


(Calendar Days)

from the Processing

Date of the

Transaction

1



Dispute Resolution


1-2115 May 2013

1.4.F.2.e Cancelled/Returned—Group 5

Table 1-12 lists the Chargebacks that may apply if either:

A Merchant issued a Credit Transaction Receipt, but did not process it 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/Returned—Group 5 Chargeback Reasons


(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

Cardholder’s 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 ofcancellation.

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



Dispute Resolution


15 May 20131-22

1.4.F.2.f Non-Receipt Goods/Services—Group 6

Table 1-13 lists the Chargebacks that may apply if either:

A Merchant was unable or unwilling to provide the service (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 Transactionvalue.

Table 1-13 Non-Receipt Goods/Services—Group 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 NotReceived

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 agreed-

upon 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 LoadTransaction Value at

ATM or Load Device

90 • Cardholder did not receive, or received

only a portion of, the money requestedfor 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



Dispute Resolution


1-2315 May 2013

1.4.F.3 Reasons and Time Limits for Specific Transaction Types

1.4.F.3.a 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 ATM or Load Transaction Chargeback Reasons

Chargeback

Reasons


(Calendar Days)

from the Processing

Date of the

Transaction1

Counterfeit

transaction

62 • A Counterfeit Card was used for a

Magnetic Stripe or Chip-initiated




altered data.

• Applies when 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.


Merchant or Member location where

required risk control procedures were

not followed.

120



Cardholder's account was not in goodstanding on the Processing Date of that




• Applies when 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 Currencyor Transaction Code

or Domestic

Transaction


76 • Transaction was processed with anincorrect Transaction code, an incorrect




• 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 Merchant’slocal currency.

120



Dispute Resolution


15 May 20131-24

Duplicate

Processing

82 • A single Transaction was processed

more than once.



Transaction more than once or two



120

Non-Receipt of Cash

or Load Transaction

Value at ATM or

Load Device


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


Table 1-14 ATM or Load Transaction Chargeback Reasons (Continued)

Chargeback

Reasons


(Calendar Days)

from the Processing

Date of the

Transaction

1



Dispute Resolution


1-2515 May 2013

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 Visa TravelMoney Card Chargeback Reasons

ChargebackReasons

Reason Code Summary of Description/Condition Time Limit(Calendar Days)

from the Processing

Date of the

Transaction1

Counterfeit

Transaction

62 • A Counterfeit Card was used for a

Magnetic Stripe or Chip-initiated




altered data.

• Applies when a Counterfeit Card was used

for a Magnetic Stripe or Chip-initiated




altered data.


Merchant or Member location where

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 180calendar 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 • Transaction was processed with an

incorrect Transaction code, an incorrect



Transaction Country.• 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 Merchant’s local

currency.

120



Dispute Resolution


15 May 20131-26

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

Issuer’s 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


• Applies when the Service Code on the

Magnetic Stripe indicated that the Card



75

Fraud—Card-

Absent 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 TransactionReceipt.

• 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


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


Table 1-15 Visa TravelMoney Card Chargeback Reasons (Continued)

Chargeback

Reasons


(Calendar Days)

from the Processing

Date of the

Transaction

1



Dispute Resolution


1-2715 May 2013

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 Telephone Service Transactions at Unattended Acceptance Terminals ChargebackReasons

Chargeback

Reasons


(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

not obtain Authorization.

• Applies when a Merchant completed a

Transaction with a Card that expired

prior to the Transaction Date, and the


75



Cardholder's account was not in good

standing on the Processing Date of that


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 processed more

than 180 calendar days from the

Transaction Date.

120



Dispute Resolution


15 May 20131-28

Service Code

Violation

78 • The Service Code on the Magnetic

Stripe indicated that the Card was

invalid for the Transaction, and the


• Applies when the Service Code on the

Magnetic Stripe indicated that the Card



75

Fraud—Card-

Present

Environment

81 • A Merchant did not obtain an Imprint

and signature (or a PIN) in a Card-

Present Environment, and theMerchant 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


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


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

Reasons (Continued)

Chargeback

Reasons


(Calendar Days)

from the Processing

Date of the

Transaction1



Dispute Resolution


1-2915 May 2013

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

ChargebackReasons

Reason Code Summary of Description/Conditions 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 Issuer’s master file.

75

Duplicate

Processing


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



Dispute Resolution


15 May 20131-30

1.4.F.3.e Chargebacks in Numerical Order

1.4.F.4 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.

Table 1-18 Chargebacks at a Glance: Listed in Numerical Order

Reason Code Reason Code Title Dispute Group

30 Services Not Provided or Merchandise Not Received 6

41 Cancelled Recurring Transaction 5

53 Not as Described or Defective Merchandise 5

57 Fraudulent Multiple Transactions 2

60 Effective for Chargebacks initiated up to and including

a Processing Date of 19 April 2013, Illegible Fulfilment

1

62 Counterfeit Transaction 2

70 Card Recovery Bulletin or Exception File 3 3

71 Declined Authorization 3

72 No Authorization 3

73 Expired Card 3

74 Late Presentment 4

75 Transaction Not Recognised 1

76 Incorrect Currency or Transaction Code or Domestic

Transaction Processing Violation

4

77 Non-Matching Account Number 4

78 Service Code Violation 3

80 Incorrect Transaction Amount or Account Number 4

81 Fraud—Card-Present Environment 2

82 Duplicate Processing 4

83 Fraud—Card-Absent Environment 2

85 Credit Not Processed 5

86 Paid by Other Means 4

90 Non-Receipt of Cash or Load Transaction Value at ATM

or Load Device

6

93 Merchant Fraud Performance Program 2



Dispute Resolution


1-3115 May 2013

1.4.G Processing Requirements

1.4.G.1 Chargeback Documentation

If an Issuer is required by the Visa Europe Operating Regulations, Volume II—Dispute 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.



Dispute Resolution


15 May 20131-32

1.5 REPRESENTMENT

1.5.A Representment Reasons, Conditions, and Time Limits

An Acquirer may represent a Transaction to the Issuer for one of the reasons listed in Table 1-19 within

45 calendar days from the Processing Date of that Chargeback (unless otherwise specified below).

1.5.A.1 Representment Documentation Requirements

1.5.A.1.a 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:

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

1. Time limit calculated from the receipt date of the Chargeback documentation.

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

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.

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



Dispute Resolution


1-3315 May 2013

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 Merchant’s location, any of the

following:

• Cardholder signature on the pick-up form;

• Copy of identification presented by the Cardholder; or

• Details of identification presented by the Cardholder.

30, 81, 83

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:

• Purchaser’s IP address;

• Purchaser’s e-mail address;

• Description of the goods downloaded;

• Date and time goods were downloaded; and/or

• Proof that the Merchant’s Website was accessed for services after

the Transaction Date.

30, 81, 83

For a Transaction in which merchandise was delivered to a business

address, documentation to show that the merchandise was deliveredand 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:

• Proof that the ticket was received at the Cardholder’s 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.

30, 81, 83

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

Cardholder’s household or family.

81, 83



Dispute Resolution


15 May 20131-34

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 Representmentamount.

The Issuer is liable for any difference between the amount originally presented and the Representment

amount.



Dispute Group 1—Request for Information

D i s p u t e G r o u p 1 — R e q u e s t F o r I n f o r m a t i o n


1-3515 May 2013

1.6 DISPUTE GROUP 1—REQUEST FOR INFORMATION

A Transaction Receipt or T&E Document Fulfilment was illegible, or the Cardholder does not recognise

the Transaction.

The following reason codes are applicable:

60—Illegible Fulfilment

75—Transaction 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 General Requirements For Dispute Group 1—Request 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 I—General 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.

AdditionalInformation

Refer to individual reason codes. Refer to individual reason codes.



Di s put eG roup1

R eques t F orI nf o

rmat i on



15 May 20131-36

60 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.

Condition Description Page

1 Issuer requested and received a Transaction Receipt or Substitute Transaction

Receipt and the Account Number or amount is illegible.

1 - 37






1-3715 May 2013

60 Reason Code 60 — Illegible Fulfilment

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

and received a Transaction Receipt or Substitute Transaction Receipt and the Account Number or

amount is illegible.

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 Quasi-

Cash Transactions1 and T&E Transactions).

1. Portable Payment Devices are not permitted to perform Manual Cash Disbursements or Quasi-Cash Transactions.

RR DATE MMDDYY None required

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 transmittedelectronically 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




Di s put eG roup1


rmat i on



15 May 20131-38

75 Reason Code 75 — Transaction not recognised



Dispute Group 1 Reason Code 75


1 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 Issuer’s 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.






1-3915 May 2013






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 Non-

fulfilment Message code prior to exercising the

Chargeback. The waiting period does not apply if

a Fulfilment or Non-fulfilment Message isreceived.

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 andsignature 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 ProcessingDate of 20 April 2013,

RR DATE MMDDYY (if

request Transaction

Receipt not fulfilled).

None required



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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.






1-4115 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.2. Effective for Chargebacks

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 non-

EMV PIN Transactions,

representment is invalid if

Acquirer failed to respond

to Retrieval Request or

responded with a Non-

fulfilment Message code

“03” or “04”, or provided

a Fulfilment which does

not contain all the

required data elements, asspecified in the Visa

Europe Operating

Regulations,

Volume II—Dispute

Resolution Rules,

Section 1.3.C.2.

1. Credit or

reversal was

processed.

Either that

applies:

• CRED

MMDDYY

ARN X...X

(23 or 24

digits); or

• 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 Either:

• Representment for an

Aggregated Transaction must

include details of the individual

purchases that have been

aggregated, as specified in the

Visa Europe OperatingRegulations, Volume I—General

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 withadditional 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.



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4. Effective for Transactions


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 therequired 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.


Limitations (Continued)

Representment

Conditions

Member

Message Text

Documentation






1-4315 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 Quasi-Cash; 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


to Retrieval Request orresponded 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.



Representment

Conditions

Member

Message Text

Documentation



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15 May 20131-44

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 I—General Rules,

Section 5.2.B.6.a.

9. Representment is invalid if

a Fulfilment or Non-

fulfilment 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.



Representment

Conditions

Member

Message Text

Documentation



Dispute Group 2—Fraud

D i s p u t e G r o

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1-4515 May 2013

1.7 DISPUTE GROUP 2—FRAUD

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.


57—Fraudulent Multiple Transactions

62—Counterfeit Transaction

81—Fraud—Card-Present Environment

83—Fraud—Card-Absent Environment

93—Merchant Fraud Performance Program

Reason Code 57 — Fraudulent Multiple Transactions

Multiple Transactions occurred on a single Card at the same Merchant Outlet without the Cardholder’s

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 altereddata.

Reason Code 81 — Fraud—Card-Present Environment

A Merchant did not obtain an Imprint and a signature (or a PIN) in a Card-Present Environment, and

the Merchant completed the Transaction without the Cardholder’s permission, or a Transaction was

processed with a Fictitious Account Number, or no valid Card was outstanding bearing the Account

Number on the Transaction Receipt.

Reason Code 83 — Fraud—Card-Absent Environment

A Mail/Phone Order, Recurring, or Electronic Commerce Transaction was processed without the

Cardholder’s permission, or a Fictitious Account Number was used, or no valid Card was outstanding

bearing the Account Number on the Transaction Receipt.

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 General Requirements For Dispute Group 2—Fraud


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 Non-

fulfilment Message prior to exercising a

Chargeback.

Refer to individual reason codes.

Additional

Information

1. If the Fulfilment was not received, Issuer may recover the Retrieval Request fee

specified in the Visa Europe Operating Regulations, Volume I—General 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.



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57 Reason Code 57 — Fraudulent Multiple Transactions

Multiple Transactions occurred on a single Card at the same Merchant Outlet without the Cardholder’s

permission.


1 All of the following:

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 Cardholder’s 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.




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1-4715 May 2013



All of the following:

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.

4. Card was in Cardholder’s possession at the time of the disputed Transaction.


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 TicketTransaction.

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 delayedor amended charges.

7. Chargeback is invalid for ATM

Cash Disbursements

8. Chargeback minimum for a T&E

Transaction is US $25 or

equivalent.

9. Chargeback is invalid for

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 inat least one Transaction;

b) Denies authorizing or

participating in the disputed

Transaction; and

c) States that the Card was in the

Cardholder’s possession at the

time the disputed Transaction

occurred.

3. If acknowledged Transaction was

not processed, Issuer must supply

the Cardholder copy of the




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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.

4. Card was in Cardholder’s possession at the time of the disputed Transaction..

NOTE: Please refer to the Additional Information on page 1 - 46.

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 All of the following:


Transfer Method questionnaire(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.




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62 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, or a Counterfeit Transaction occurred at a Merchant or Member location where required risk

control procedures were not followed.



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

2 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 I—General Rules; andc) 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-FaceEnvironment; 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



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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 I—General Rules, Section 3.3.B and the Visa Europe Operating Regulations, Volume I—General 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).Effective from 1 October 2010, all International Transactions between Visa Europe and Visa Inc.

(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 andMexico 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), thatare Counterfeit Transactions at a Point-of-Transaction, excluding ATM Cash Disbursements and

Transactions at Automated Fuel Dispensers.

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.

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 I—General Rules.




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1-5115 May 2013




1. Cardholder denies authorizing or participating in the disputed Transaction.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.



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 theException 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 EMV-

Online Card Authentication

Cryptogram are contained in themessage; or

c) Effective from 13 October 2012, all

data elements that create the EMV-

Online 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:


Transfer Method questionnaire(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.



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1. Cardholder denies authorizing or participating in the disputed Transaction.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



authorized up to and

including 31 December

2013, the Acquirer or LoadAcquirer 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 isinvalid; and

b) Report is required

documentation to

support the

Representment.


was processed.


1. CRED MMDDYY ARN

X...X (23 or 24 digits);

or2. 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. AUTHENTICATIONCRYPT IN AUTH.

As applicable




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1-5315 May 2013



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 I—General 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.



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 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 after1 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 Methodquestionnaire

(Exhibit 2E ).

2. Cardholder letter

denying

authorization or

participation in the

Transaction.



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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 I—General 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



authorized up to and

including 31 December2013, 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



Authorization occurred.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

X...X (23 or 24 digits);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 canremedy the

Chargeback.

X...X (Specify the reasons) As applicable




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1-5515 May 2013




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.


Chargeback Rights and Limitations 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.



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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


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

X...X (23 or 24 digits);

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




D i s p u t e G r o

u p 2 — F r a u d


1-5715 May 2013

81 Reason Code 81 — Fraud—Card-Present Environment

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

Cardholder’s permission, or a Transaction was processed with a Fictitious Account Number, or no valid

Card was outstanding bearing the Account Number on the Transaction Receipt.

Dispute Group 2 Reason Code 81 Conditions


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

Transaction.

1 - 59

2 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

3 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 PIN-

compliant.

1 - 67



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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 I—General

Rules, Section 3.3.B and the Visa Europe Operating Regulations, Volume I—General 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),




Environment.



(CEMEA, excluding Pakistan and Afghanistan who joined CEMEA on 17 October 2009).





(Canada).- Visa Inc. (Asia Pacific):



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. (Braziland 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 asevidence 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.




D i s p u t e G r o

u p 2 — F r a u d


1-5915 May 2013



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


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:


b) List the Account Number on the Exception File


calendar

days; andc) Report the fraud activity through the Visa

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 AcceptanceTerminal 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 informationrequired on the

Summary of

Unauthorized

Telephone Service

Transactions

(Exhibit 2F Issuer) if

applicable.



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15 May 20131-60


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.





D i s p u t e G r o

u p 2 — F r a u d


1-6115 May 2013



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


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 torespond to Retrieval



Message code “03” or


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

Chargebackconditions.

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 toand 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 ofsignature or PIN and internal

record or log proving

Magnetic-Stripe read or chip-

initiated, with explanation of

fields.



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15 May 20131-62



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 Chip-

initiated Transaction, or a

Proximity Payment.

4. For an above-Floor Limit

Transaction that was key-

entered following a ReferralResponse, 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.

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.



Representment

Conditions

Member Message

Text

Documentation




D i s p u t e G r o

u p 2 — F r a u d


1-6315 May 2013



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 noAuthorization was obtained.


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.

4. Chargeback is invalid if both of the following were

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”; ore) 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



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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.





D i s p u t e G r o

u p 2 — F r a u d


1-6515 May 2013



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 noAuthorization was obtained.


Limitations

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.




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 Chip-

initiated Transaction, with

explanation of fields.



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15 May 20131-66



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 Chip-

initiated Transaction or a

Proximity Payment.

4. For an above-Floor Limit

Transaction that was key-entered following a Referral

Response, all of the

following:

a) Referral Authorization

record proving

Magnetic-Stripe read or

Chip-initiated within 24

hours of the Transaction;

b) International Automated

Referral Service log; and

c) Evidence of signature or

PIN.



Representment

Conditions

Member Message

Text

Documentation




D i s p u t e G r o

u p 2 — F r a u d


1-6715 May 2013



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.



1. The Issuer must meet all of the following

conditions on or before the Chargeback

Processing Date:




calendar days; andc) Report the fraud activity through the Visa

System using fraud type codes 0, 1 or 2.

2. Chargeback is invalid if the Device is EMV PIN-

Compliant and the Transaction was correctly

processed to completion in accordance with EMV

and VIS using the Chip Card data.

3. Chargeback is invalid if both of the following were

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 isinvalid 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; andc) 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.



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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; 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 meetthe requirements

specified in

Chargeback

Rights and

Limitations 1, the

Acquirer must

provide

information/

documentation

to support this

claim, such as

evidence that:• Account

Number was

not listed on

the Exception

File;

• Account was

not closed;

• Transactions

were not

reported as

fraud; or

• Transaction

was reportedas counterfeit

fraud type 4.


was processed.


1. CRED MMDDYY

ARN X...X

(23 or 24 digits); or2. 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

FOLLOWED5. EXCP FILE NOT

LSTD, FRD NOT

RPT, ACC NOT

CLSD

As applicable

3. Acquirer can

remedy the

Chargeback.



(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.




D i s p u t e G r o

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1-6915 May 2013

83 Reason Code 83 — Fraud—Card-Absent Environment

A Mail/Phone Order, Recurring, or Electronic Commerce Transaction was processed without the

Cardholder’s permission, or a Fictitious Account Number was used, or no valid Card was outstanding

bearing the Account Number on the Transaction Receipt.



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

Transaction.

1 - 70

2 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.



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


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:



with a Pickup Response, for a minimum of 30calendar days; and

c) Report the fraud activity through the Visa

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 CommerceTransaction 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.




D i s p u t e G r o

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1-7115 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 both

2

: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 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 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 authorizedthrough 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”.




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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 ECIvalue “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.





D i s p u t e G r o

u p 2 — F r a u d


1-7315 May 2013



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


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.


if Acquirer failed to

respond to Retrieval




“04, or provided a

Fulfilment which does

not contain all the


as specified in the Visa

Europe Operating

Regulations,

Volume II—DisputeResolution 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


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 “Non-

Authenticated Security

Transaction” has an ECIvalue 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 “Non-


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.



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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





D i s p u t e G r o

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1-7515 May 2013



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 noAuthorization was obtained.

Chargeback Rights and Limitations 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 ServiceTransactions 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 AuthorizationRequest:

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 ifrequested

Transaction

Receipt not

fulfilled

None required



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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-ParticipationMessage (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 anonymousPrepaid 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.

Chargeback Rights and Limitations (Continued) Member

Message Text

Documentation




D i s p u t e G r o

u p 2 — F r a u d


1-7715 May 2013



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 noAuthorization was obtained.

NOTE: Please refer to the Additional Information on page 1 - 69 .


Limitations

Representment

Conditions

Member Message

Text

Documentation


if Acquirer failed to

respond to Retrieval





Fulfilment which doesnot 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 toauthenticate 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 “Non-


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 “Non-


Transaction” was processedwith an Electronic

Commerce Indicator value

“6” in the Authorization

Request, proof that the



with a Cardholder


Value (if applicable).



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93 Reason Code 93 — Merchant Fraud Performance Program

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.


1 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.




D i s p u t e G r o

u p 2 — F r a u d


1-7915 May 2013

93 Reason Code 93 — Merchant Fraud Performance Program


Both:

1. Visa Inc., in the case of its Customers, or Visa Europe, in the case of its Members, notified theIssuer that the Transaction is identified by the Merchant Fraud Performance Program.

2. Issuer had not successfully charged back the Transaction for another reason.



The Chargeback is invalid for Emergency Cash

Disbursements.

MFP RPT DT MMDDYY None required

Representment Rights

and Limitations

Representment

Conditions


None 1. Credit or Reversal was

processed.


1. CRED MMDDYY ARNX...X (23 or 24 digits); or

2. REVERSAL MMDDYY

None required

3. Issuer did not meet the

applicable Chargeback

conditions.

X...X (Specify the reasons) None required

4. Acquirer can remedy

the Chargeback.

PREV CB MMDDYY RC XX None required






Dispute Group 3—Authorization

D i s p u t e G r o u p 3 — A u t h o r i z a t i o n


1-8115 May 2013

1.8 DISPUTE GROUP 3—AUTHORIZATION

A Merchant or Member failed to follow the proper Authorization procedures.


70—Card Recovery Bulletin or Exception File

71—Declined Authorization

72—No Authorization

73—Expired Card

78—Service 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 AuthorizationAuthorization was required for a Transaction, but the Merchant did not obtain 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 3—Authorization


Time Limit 75 calendar days from the Transaction

Processing Date


Chargeback Processing Date

General Rights and

Limitations

Refer to individual reason codes Refer to individual reason codes


1. Special Authorization procedures are described in the following sections of the Visa Europe Operating

Regulations, Volume I—General Rules:

- Hotel and Car Rental Company Transactions: Visa Europe Operating Regulations, Volume I—General Rules,

Section 5.1.E.4

- Cruise Line Transactions: Visa Europe Operating Regulations, Volume I—General Rules, Section 5.1.E.6

- Mail/Phone Order or Electronic Commerce Transactions: Visa Europe Operating Regulations,

Volume I—General Rules, Section 5.1.E.8

- Automated Fuel Dispenser Transactions: Visa Europe Operating Regulations, Volume I—General Rules,

Section 5.1.E.12

2. If the Member’s 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.



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70 Reason Code 70 — Card Recovery Bulletin or Exception File

A Merchant did not check the Card Recovery Bulletin or Exception File for a Transaction with an

amount that was below the Floor Limit.




a) Transaction was below the Merchant’s Floor Limit;

b) Merchant did not obtain Authorization; and

c) Account Number was listed in the Merchant’s Card Recovery Bulletin Region

on the Transaction Date.

1 - 84


a) Transaction was below the Merchant’s 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






1-8315 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 Issuer’s 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 edition’s effective date; andb) 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 I—General Rules, Section 3.3.B and the Visa Europe Operating Regulations, Volume I—General 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),




Environment.


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).





(Canada).

- Visa Inc. (Asia Pacific):



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).






- 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 Member’s 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.









1-8515 May 2013




1. Transaction was below the Merchant’s Floor Limit;2. Merchant did not obtain Authorization; and

3. Account Number was listed in the Merchant’s Card Recovery Bulletin on the Transaction Date.



and Limitations

Representment Conditions Member Message Text Documentation


processed.


1. CRED MMDDYY ARN

X...X (23 or 24 digits); or

2. REVERSAL MMDDYY

None required



conditions.

X...X (Specify the reasons) 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.



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1. Transaction was below the Merchant’s Floor Limit;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.



1. If the Transaction Date was not transmitted in the

Clearing Record, Chargeback is valid if the Account

Number Verification was performed or the AccountNumber 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.

4. Chargeback is invalid for Transactions authorized

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



processed.


1. CRED MMDDYY

ARN X...X


2. REVERSAL MMDDYY

None required



conditions.

X...X (Specify the

reasons)

None required

3. Acquirer can remedy theChargeback.

As applicable:ACCT NUM NOT ON

EXCPT FILE TRAN DATE

MMDDYY

None required






1-8715 May 2013

71 Reason Code 71 — Declined Authorization

A Merchant completed a Transaction after an Authorization Request received a Decline Response.


1 Authorization Request received a Decline or Pickup Response and a Merchant

completed the Transaction.

1 - 88

2 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

3 All of the following (for qualifying Transactions and effective dates, refer to

Additional Information):

1. Effective until 12 October 2012, Chip-Reading Device transmitted all data

elements that create the EMV-Online Card Authentication Cryptogram with aPOS 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 EMV-

Online 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


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 Issuer’s Decline Response; or

b) Issuer’s 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.




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

Transaction.


1. Chargeback is invalid if Authorization was

obtained as a result of Visa Stand-In

Processing.

2. For Hotels, Car Rental Companies, and Cruise

Lines that rendered services, Chargeback is

limited to the amount over the Floor Limit if the

Account Number was not listed in the Card

Recovery Bulletin on the rental, check-in, or

embarkation date.

3. Chargeback is invalid for a T&E Transaction ifthe Account Number was not listed on the

Exception File with a negative response on the


4. Chargeback minimum for a T&E Transaction is

US $25 or equivalent.


obtained after a Decline Response or Referral

Response was received for the same purchase1.


authorized through the Emergency Payment

Authorization Service.

1. This provision does not include Transactions that receive a Pickup Response (04, 07, 41, 43).

AUTH DECLINED

MMDDYY

None required






1-8915 May 2013



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

Transaction.

Representment

Rights and

Limitations



processed.


1. CRED MMDDYY

ARN X...X


2. REVERSAL

MMDDYY

None required


applicable Chargebackconditions.

X...X (Specify the

reason)

None required

3. Acquirer can remedy the

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

Representment Amount

(Exhibit 3E ).

2. Evidence that the

Transaction was Chip-

initiated and offline-

authorized, if applicable.



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Both:

1. Authorization Request for a Magnetic-Stripe read or Chip-initiated Transaction received aDecline, Pickup, or Referral Response and subsequent Authorization was obtained by a means

other than Authorization by voice and Merchant completed the Transaction.




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-InProcessing, as specified in the Visa Europe

Operating Regulations, Volume I—General

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.5. Chargeback minimum for a T&E

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 theinitial 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.






1-9115 May 2013



Both:

1. Authorization Request for a Magnetic-Stripe read or Chip-initiated Transaction received aDecline, Pickup, or Referral Response and subsequent Authorization was obtained by a means

other than Authorization by voice and Merchant completed the Transaction; and




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

questionnaire (Exhibit 2E ); and


Authorization Representment

Amount (Exhibit 3E ).

2. Evidence that the Transaction

was Chip-initiated and offline-

authorized, if applicable.



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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 CardAuthentication 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.



1. Chargeback is invalid forTransactions 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 DECLINEDMMDDYY

The Electronic DocumentationTransfer Method questionnaire

(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 wasresident 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.






1-9315 May 2013



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 CardAuthentication 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.


Representment

Rights and

Limitations



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 DATEMMDDYY 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

Representment Amount

(Exhibit 3E ).




authorized, if applicable



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72 Reason Code 72 — No Authorization

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


1 Transaction exceeded the Floor Limit and Authorization was not obtained on the

Transaction Date.

1 - 95

2 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.

2. If a Member’s Authorization records conflict, the Authorization record within the Visa System will prevailfor Arbitration.






1-9515 May 2013



Transaction exceeded the Floor Limit and Authorization was not obtained on the Transaction Date.


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 ofUS $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,

INVALIDFALLBACK DATA

None required



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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 ofan Electronic Commerce Transaction.

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

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 didnot receive Online Authorization from the Issuer or the

Issuer’s Agent.

20.Chargeback is invalid for Transactions authorized through

the Emergency Payment Authorization Service.

Chargeback Rights and Limitations (Continued) Member Message

Text

Documentation





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15 May 20131-98



Transaction exceeded the Floor Limit and Authorization was not obtained on the Transaction Date.



and Limitations

Representment

Conditions


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 withinseven 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

exceedsAuthorization by 20

percent or less.

1. For a restaurant, up to 20 percent is allowed.

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 DATEMMDDYY 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

Representment Amount(Exhibit 3E ).






1-9915 May 2013



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 ClearingRecord of the first Presentment for the same Transaction.



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 orTransaction 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.

5. Chargeback is invalid for Transactions authorized

through the Emergency Payment Authorization

Service.6. Chargeback minimum for a T&E Transaction is US

$25 or equivalent.

7. 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.

AUTH OBTAINED

USING INVALID

DATA

1. The Electronic

Documentation

Transfer Method


2E ) including the

Chargeback Reference

Number, if used.

2. Documentation tosupport the Issuer's

claim that the

Transaction would

have been declined if

Transaction data had

been provided in the




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15 May 20131-100



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 ClearingRecord of the first Presentment for the same Transaction.



and Limitations

Representment

Conditions


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.






1-10115 May 2013

73 Reason Code 73 — Expired Card

A Merchant completed a Transaction with a Card that expired prior to the Transaction Date, and the



1 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.

2. If a Member’s Authorization records conflict, the Authorization record within the Visa System will prevail

for Arbitration.



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15 May 20131-102



Both:

1. Card expired prior to the Transaction Date; and2. Merchant did not obtain Authorization.


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.

3. Chargeback is invalid for a T&E Transaction if

the Account Number was not listed on the

Exception File with a negative response on the




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


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.

CARD EXPIRED

MMDDYY

None required






1-10315 May 2013



Both:

1. Card expired prior to the Transaction Date; and2. Merchant did not obtain Authorization.

Representment

Rights and

Limitations

Representment

Conditions



processed.


1. CRED MMDDYY

ARN X...X


2. REVERSAL

MMDDYY

None required

2. Issuer did not meet theapplicable Chargeback

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 DATEMMDDYY.

The Electronic




following:

1. Merchant’s Authorization

log;

2. Documentation to prove

the Card was not expired

on the Transaction Date;or




authorized, if

applicable.



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15 May 20131-104

78 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 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. 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. All Visa Electron Cards must be issued with positive Authorization (X2X Service Code) therefore registration is not

required for a Visa Electron account range.

1 - 105






1-10515 May 2013



For International Transactions both:

1. A Merchant completed a Magnetic-Stripe read Transaction on a Visa Electron Card or a VisaCard 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





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 wherethe 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 Stripe-

read 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.

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

equivalent.

None required None required



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15 May 20131-106



For International Transactions both:

1. A Merchant completed a Magnetic-Stripe read Transaction on a Visa Electron Card or a VisaCard 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




Representment

Rights and

Limitations

Representment

Conditions

Member

Message Text

Documentation

None 1. Credit orReversal

was

processed.

Either thatapplies:

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 Chip-

Reading 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.



Dispute Group 4—Processing Error

D i s p u t e G r o u p 4 — P r o c e s s i n

g E r r o r


1-10715 May 2013

1.9 DISPUTE GROUP 4—PROCESSING 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

calendar days from the Transaction Date.

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 theMerchant did not deposit a Transaction Receipt in the country where the Transaction occurred, or the

Cardholder was not advised that Dynamic Currency Conversion would occur or was refused the choice

of paying in the Merchant’s local currency, 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.

Reason Code 77 — Non-Matching Account Number

Transaction did not receive Authorization and was processed using an Account Number that does not

match any on the Issuer’s master file or an Original Credit was processed using an Account Number

that does not match any on the Issuer’s master file.

Reason Code 80 — Incorrect Transaction Amount or Account NumberTransaction 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.







g E r r o r


1-10915 May 2013

74 Reason Code 74 — Late Presentment

Transaction was not processed within the required time limits and the account was not in good

standing on the Chargeback Processing Date, or the Transaction was processed more than 180

calendar days from the Transaction Date.



1 Both:

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

2 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.)



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15 May 20131-110



Both:

1. Transaction was not processed within the required time limit; and2. Account Number was not in good standing on the Processing Date.


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 ProblemF=Other Fraud

(such as lost, stolen,

not received)

None required





g E r r o r


1-11115 May 2013



Both:

1. Transaction was not processed within the required time limit; and2. Account Number was not in good standing on the Processing Date.

Representment

Rights and

Limitations

Representment Conditions Member Message

Text

Documentation


processed.

Either that

applies:

1. CRED

MMDDYY

ARN X...X (23

or 24 digits); or

2. REVERSALMMDDYY.

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.



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15 May 20131-112



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


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

RepresentmentRights and

Limitations



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


CORRECT TRAN DATEMMDDYY

Both:1. The Electronic

Documentation

Transfer Method

questionnaire

(Exhibit 2E ); and


or Transaction log

with Transaction

Date that disproves

late Presentment.





g E r r o r


1-11315 May 2013

76 Reason Code 76 — Incorrect Currency or Transaction Code or Domestic


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 choiceof paying in the Merchant’s 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.


1 Transaction code is incorrect. 1 - 114

2 Transaction Currency is different than the currency transmitted through the Visa

System.

1 - 115

3 A Domestic Transaction Receipt was not deposited in the country where the

Transaction occurred and was processed with an incorrect Transaction Countrycode, 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

4 Cardholder was not advised that Dynamic Currency Conversion would occur or

was refused the choice of paying in the Merchant’s local currency.

1 - 119

5 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 Merchant’s local currency.

c) If the Acquirer processes through the Single Message System, it may process the Transaction as a first

Presentment instead of representing.



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15 May 20131-114




Transaction code is incorrect.


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



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 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 theTransaction code

was correct.





g E r r o r


1-11515 May 2013




Transaction currency is different than the currency transmitted through the Visa System.



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



processed.


1. CRED MMDDYY ARN

X...X (23 or 24

digits); or

2. REVERSAL MMDDYY

None required



conditions.


3. Acquirer can remedy theChargeback. None required Both:1. The Electronic

Documentation

Transfer Method

questionnaire

(Exhibit 2E ); and


or other record that

proves that the

Transaction

Currency was

correct.



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15 May 20131-116




A Domestic Transaction Receipt was not deposited in the country where the Transaction occurred andwas 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. Visa Europe and Visa Inc. consider these Merchant Outlets to be within the Member’s Country and Region of Domicile.


Text

Documentation

1. Chargeback is invalid if a Transaction was processed as

allowed under Visa Europe Operating Regulations,

Volume I—General 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 countryor territory is either:

a) Not any other Principal’s 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 I—General 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.

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

TRAN OCCURRED

IN X...X

None required





g E r r o r


1-11715 May 2013




A Domestic Transaction Receipt was not deposited in the country where the Transaction occurred andwas 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

1. Visa Europe and Visa Inc. consider these Merchant Outlets to be within the Member’s Country and Region of Domicile.

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. REVERSALMMDDYY

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 depositedproperly and processed with the

correct Transaction Country

code; or

b) Transaction occurred at a

military base, embassy,

consulate, or is an International

Airline Transaction.



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15 May 20131-118




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



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

Merchant’s local currency.


Amount.

3. Chargeback minimum for a T&E Transaction isUS $25 or equivalent.


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 occuror was not offered a

choice to pay in the

Merchant’s local

currency.

3. Copy of the Cardholder’s

Transaction Receipt (if

available).





g E r r o r


1-11915 May 2013




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



Limitations

Representment

Conditions

Member Message

Text

Documentation

If the Chargeback is valid,

the Acquirer may only

represent the Transaction

in the Merchant’s local

currency for the

Transaction Amount prior

to Dynamic CurrencyConversion. 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


applicable

Chargeback

conditions.

X...X (Specify thereason)

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.



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15 May 20131-120




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. 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 inerror.

- 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


None 1. Reversal or an Adjustment

was processed.


1. REVERSAL

MMDDYY; or

2. ADJUSTMENT

MMDDYY

None required



conditions.



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.





g E r r o r


1-12115 May 2013

77 Reason Code 77 — Non-Matching Account Number

Transaction did not receive Authorization and was processed using an Account Number that does not

match any on the Issuer’s master file or an Original Credit was processed using an Account Number

that does not match any on the Issuer’s master file.



1 Merchant or Acquirer processed a Transaction for an Account Number not

matching any on the Issuer’s master file and did not receive an Authorization.

1 - 122

2 Originating Member processed an Original Credit for an Account Number not

matching any on the Issuer’s master file.

1 - 123


An incorrectly entered Account Number must be processed as an original Presentment. Acquirer may beresponsible for any late Presentment.



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15 May 20131-122



Merchant or Acquirer processed a Transaction for an Account Number not matching any on the

Issuer’s master file and did not receive an Authorization.



1. Chargeback is invalid for Transactions that

received either Online Authorization or Offline

Authorization.


Transactions.



NO SUCH ACCT

NUMBER

None required

RepresentmentRights and

Limitations



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


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, evidencethat the Transaction

was Chip-initiated and

offline authorized

(if applicable).





g E r r o r


1-12315 May 2013



An Originating Member processed an Original Credit for an Account Number not matching any on the

Issuer’s master file.



Chargeback minimum for a T&E Transaction is


ACCOUNT CLOSED

ACCOUNT NOT ON FILE

None required

Representment

Rights and

Limitations


None 1. Reversal was processed. REVERSAL MMDDYY None required

2. Issuer did not meet theapplicable Chargeback

conditions.


3. Originating Member can

remedy the Chargeback.




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15 May 20131-124

80 Reason Code 80 — Incorrect Transaction Amount or Account Number

Transaction Amount is incorrect, or an addition or transposition error was made when calculating the

Transaction Amount, or Merchant altered the Transaction Amount after the Transaction was

completed without the consent of the Cardholder, or a Transaction was processed using an incorrect

Account Number.


1 Transaction Amount is incorrect or addition or transposition error occurred. 1 - 125

2 Merchant altered the Transaction Amount after the Transaction was completed

without the consent of the Cardholder.

1 - 127

3 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.





g E r r o r


1-12515 May 2013



Transaction Amount is incorrect or addition or transposition error occurred.



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



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15 May 20131-126



Transaction Amount is incorrect or addition or transposition error occurred.


Representment

Rights and

Limitations

Representment

Conditions



processed.


1. CRED MMDDYY ARN


2. REVERSAL MMDDYY.

None required



conditions.


3. Acquirer can remedythe 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.





g E r r o r


1-12715 May 2013



Merchant altered the Transaction Amount after the Transaction was completed without the consent

of the Cardholder.




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 April2013, 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.

8. Chargeback minimum for a T&ETransaction is US $25 or equivalent.

ALTERED FROM XXXX

AMT TO XXXX AMT

Both:

1. The Electronic



(Exhibit 2E ); and

2. Copy of the Cardholder’s

Transaction Receipt

showing different

Transaction Amounts.



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15 May 20131-128



Merchant altered the Transaction Amount after the Transaction was completed without the consent

of the Cardholder.


Representment

Rights and

Limitations

Representment

Conditions



processed.


1. CRED MMDDYY

ARN X...X


2. REVERSAL

MMDDYY.

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.





g E r r o r


1-12915 May 2013



Account Number processed through the Visa System does not match the Account Number on the







Disbursements.



INCORRECT ACCT

NUMBER

None required


Limitations

Representment

Conditions


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 canremedy 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.



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15 May 20131-130

82 Reason Code 82 — Duplicate Processing

A single Transaction with the same Account Number was processed more than once.


1 One Acquirer or Originating Member processed the Transaction more than once. 1 - 131

2 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.





g E r r o r


1-13115 May 2013



One Acquirer or Originating Member processed the Transaction more than once.



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







g E r r o r


1-13315 May 2013



Two Acquirers or Originating Members processed the same Transaction.


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



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15 May 20131-134



Two Acquirers or Originating Members processed the same Transaction.


Representment

Rights and

Limitations

Representment

Conditions

Member Message

Text

Documentation


was processed.


1. CRED MMDDYY

ARN X...X (23 or

24 digits); or

2. REVERSAL

MMDDYY.

None required

2. Issuer did not

meet the

applicableChargeback

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.





g E r r o r


1-13515 May 2013

86 Reason Code 86 — Paid by Other Means

Merchandise or service was received but paid by other means.


1 Cardholder paid for the same merchandise or service by other means. 1 - 136



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15 May 20131-136



Cardholder paid for the same merchandise or service by other means.


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 paymentnetworks, on the same Account Number.

None required All of the following:

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.





g E r r o r


1-13715 May 2013



Cardholder paid for the same merchandise or service by other means.

Representment

Rights and

Limitations

Representment Conditions Member Message

Text

Documentation


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.






Dispute Group 5—Cancelled/Returned

D i s p u t e G r o u p 5 — C a n c e l l e d /

R e t u r n e d


1-13915 May 2013

1.10 DISPUTE GROUP 5—CANCELLED/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.

The following reason codes are applicable: 41 — Cancelled Recurring Transaction

53 — Not as Described or Defective Merchandise

85 — Credit Not Processed

Reason Code 41 — Cancelled Recurring Transaction

The Merchant continued to charge a Cardholder for a Recurring Transaction despite notification of

cancellation.


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 General Requirements For Dispute Group 5—Cancelled/Returned


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

Refer to individual reason codes. Refer to individual reason codes.

Additional Information Refer to individual reason codes. 1. Refer to individual reason codes.


processed on or after 20 April

2013, the Issuer should attempt

to address any Compelling

Evidence provided.



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15 May 20131-140

41 Reason Code 41 — Cancelled Recurring Transaction

The Merchant continued to charge a Cardholder for a Recurring Transaction despite notification of

cancellation.


1 Cardholder withdrew permission to charge the account for a Recurring

Transaction.

1 - 141

2 Acquirer or Merchant received notification that the Cardholder’s account was

closed before the Transaction was processed.

1 - 143

3 An initial membership Transaction was previously charged back and the

Cardholder did not expressly renew the membership.

1 - 144

4 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

5 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 Merchant’s cancellation/refund policy has no bearing.

4. For Chargeback Rights and Limitations 4 a variance exists for Domestic Transactions for Greece.2







R e t u r n e d


1-14115 May 2013



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



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



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15 May 20131-142



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


Representment

Rights and

Limitations



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





R e t u r n e d


1-14315 May 2013



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

Transaction was processed.




portion of the service or merchandise.


attempted to resolve the dispute with the

Merchant (not applicable if prohibited by local

law).




Transactions.

NOTIFICATION ACCT

CLOSED MMDDYY

None required

Representment

Rights and

Limitations



processed.


1. CRED MMDDYY ARN

X...X


2. REVERSAL MMDDYY.

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.



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15 May 20131-144



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

renew the membership.


1. Cancellation of a membership Transaction

purchased via the 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 andLimitations



processed.


1. CRED MMDDYY ARN

X...X (23 or 24

digits); or

2. REVERSAL MMDDYY

None required



conditions.



Chargeback.

None required Both:

1. The Electronic

Documentation

Transfer Method

questionnaire

(Exhibit 2E ); and


Transaction was not

previously charged

back.





R e t u r n e d


1-14515 May 2013



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.



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 orbefore 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 CANCMMDDYY, if

applicable.

The Electronic

Documentation

Transfer Method

questionnaire

(Exhibit 2E ) if

applicable.



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15 May 20131-146



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



was processed.


1. CRED MMDDYY

ARN X...X (23 or 24

digits); or

2. REVERSALMMDDYY.

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 cancelor expressly renewed

membership, if

applicable.





R e t u r n e d


1-14715 May 2013




Transactions, either a Recurring Transaction was processed by a Merchant not participating in the VisaAccount 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.



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. FACILITIESWITHDRAWN

3. CARDHOLDER

DECEASED

4. CH CANCMERCH

MMDDYY

5. CH CANC ISS

MMDDYY

The Electronic

Documentation

Transfer Method

questionnaire

(Exhibit 2E )



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15 May 20131-148




Transactions, either a Recurring Transaction was processed by a Merchant not participating in the VisaAccount 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.

Representment

Rights and

Limitations

Representment Condition Member Message

Text

Documentation


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 )





R e t u r n e d


1-14915 May 2013

53 Reason Code 53 — Not as Described or Defective Merchandise

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.

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.


1 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

2 Merchandise received by Cardholder was damaged or defective and Cardholder

returned the merchandise to the Merchant.

1 - 152

3 Effective for Chargebacks processed on or after 13 October 2012, merchandise

purchased by the Cardholder was identified as counterfeit by:

• 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 - 154


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 withinits own country’s customs agency.

4. The return of merchandise condition is met if the Merchant refuses to provide a return merchandise

authorization or return address and the Issuer can provide evidence of 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

Acquirer’s Representment successfully remedies the Chargeback, Visa Europe recommends that the

Issuer report to Visa Europe the Cardholder’s claim of counterfeit merchandise.



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15 May 20131-150



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.



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 Merchant’s country’s

customs agency.

11. Chargeback is valid for returned goods held

within the Merchant’s country’s customs

agency.

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.

NOT AS DESCRIBED 1. The Electronic Documentation

Transfer Method

questionnaire (Exhibit 2E ),

stating all of the following, as

applicable:

a) Date merchandise was

returned or service was

cancelled;

b) Name of shippingcompany;

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 ofreceipt.

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.





R e t u r n e d


1-15115 May 2013



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.


Representment

Rights and

Limitations

Representment

Conditions



processed.


1. CRED MMDDYY

ARN X...X


2. REVERSAL

MMDDYY.

None required



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 after20 April 2013, Acquirer

can provide Compelling

Evidence.

None required Both:

1. The Electronic

Documentation TransferMethod questionnaire

(Exhibit 2E ); and




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15 May 20131-152



Merchandise received by Cardholder was damaged or defective and Cardholder returned the

merchandise to the Merchant.



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.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).



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 Merchant’s country’s

customs agency.

11. Chargeback is valid for returned goods

held within the Merchant’s country’s

customs agency.



DEFECTIVE

MERCHANDISE



(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 (ifavailable);

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.

2. Proof that Merchant refusedreturn of merchandise, refused to

provide a return merchandise

authorization, or informed the

Cardholder not to return the

merchandise, if applicable.





R e t u r n e d


1-15315 May 2013



Merchandise received by Cardholder was damaged or defective and Cardholder returned the

merchandise to the Merchant.


Representment

Rights and

Limitations



processed.


1. CRED MMDDYY

ARN X...X

(23 or 24 digits)

2. REVERSAL

MMDDYY

None required



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

Documentation TransferMethod questionnaire

(Exhibit 2E ); and








R e t u r n e d


1-15515 May 2013



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

identified as counterfeit by: 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.

Representment

Rights and

Limitations



processed.


1. CRED MMDDYY

ARN X...X


2. REVERSALMMDDYY

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.



Di s put e

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15 May 20131-156

85 Reason Code 85 — Credit Not Processed

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


1 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

4 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-ShowTransaction for more than one night’s stay and applicable taxes when

reservation was cancelled or unclaimed.

1 - 163

5 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

6 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





R e t u r n e d


1-15715 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 Cardholderletter 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.







R e t u r n e d


1-15915 May 2013




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.



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 Merchant’s country’s customs agency.

10.Chargeback is valid for returned goods held

within the Merchant’s country’s customs

agency.

11. Chargeback must not exceed original

Transaction Amount.




1. MERCHANDISE

RETURNED

MMDDYY;

2. MERCHANDISE

CANCELLEDMMDDYY; or

3. SERVICE

CANCELLED

MMDDYY.

1. The Electronic



(Exhibit 2E ), stating all of the

following:

a) Date merchandise wascancelled 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


resolve with Merchant.

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.



Di s put e

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15 May 20131-160




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



was processed.


1. CRED MMDDYY ARN


2. REVERSAL MMDDYY.

None required


the applicable

Chargeback

conditions.



the Chargeback.

RETURNED MDSE NOT

RECEIVED (if applicable)

Both:

1. The Electronic



(Exhibit 2E ); and


other records to prove

Merchant properly

disclosed a limited returnor cancellation policy at the

time of the Transaction, as

specified in the Visa Europe

Operating Regulations,

Volume I—General Rules,

Section 5.1.A.2.b, Section

5.2.B.8, or Section 5.4.N.3,

as applicable.





Di s put e

G roup5




15 May 20131-162




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.

Representment

Rights and

Limitations



processed.


1. CRED MMDDYY

ARN X...X


2. REVERSALMMDDYY.

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.









Di s put e

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15 May 20131-166



For an Advance Deposit Transaction, one of the following:

1. Cardholder properly cancelled the Advance Deposit Transaction but Merchant did not issue aCredit 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



was processed.


1. CRED MMDDYY ARN


2. REVERSAL MMDDYY.

None required


the applicable

Chargeback

conditions.



the Chargeback.

None required Both:

1. The Electronic

Documentation

Transfer Method


2E ); and


that Cardholder was

informed aboutcancellation policy (if

applicable)





R e t u r n e d


1-16715 May 2013



An Original Credit was not accepted because either:

1. Recipient refused the Original Credit; or2. The Original Credit was prohibited by local law.


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


None 1. Reversal was

processed.

REVERSAL MMDDYY None required


the applicable

Chargeback

conditions.


3. Originating Member

can remedy the

Chargeback.







Dispute Group 6—Non-Receipt Goods/Services

D i s p u t e G r o u p 6 — N o n - R e c e i p t G o o d s / S e r v i c e s


1-16915 May 2013

1.11 DISPUTE GROUP 6—NON-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.

Table 1-26 General Requirements For Dispute Group 6—Non-Receipt Goods/Services


Time Limit 120 calendar days from the Transaction

Processing Date.



General Rights and

Limitations

Refer to individual reason codes Refer to individual reason codes

Additional

Information

Refer to individual reason codes 1. Refer to individual reason codes


processed on or after 20 April

2013, the Issuer should attempt

to address any Compelling

Evidence provided.








1-17115 May 2013

30 Reason Code 30 — Services Not Provided or Merchandise Not Received


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 toprovide the services.



1. Prior to exercising the Chargeback,

Cardholder must attempt to resolve the

dispute with the Merchant or the

Merchant’s 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.13. 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

Cardholder’s country’s customs agency.

10.Chargeback is invalid for ATM Cash

Disbursements.



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.

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

resolve with Merchant.2. Effective for Chargebacks


Processing Date of

20 April 2013, a detailed

description of the services

ordered but not rendered.



Di s put eG roup6

NonR ec ei pt G ood s / S erv i c es



15 May 20131-172



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



was processed.


1. CRED MMDDYY ARN


2. REVERSAL MMDDYY.

None required


the applicable

Chargeback

conditions.



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


Method questionnaire(Exhibit 2E ); and







1-17315 May 2013



Cardholder or authorised person participated in the transaction, and did not receive ordered

merchandise.



Text

Documentation

1. Cardholder must attempt to resolve the dispute

with the Merchant or the Merchant’s 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 themerchandise.

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 Cardholder’s country.

6. Chargeback is invalid if the Cardholder cancelled

merchandise prior to the expected delivery date.

7. Chargeback is invalid for disputes regarding the

quality of merchandise.

8. Chargeback is invalid when the Cardholder states

that the Transaction was fraudulent.

9. For disputes involving merchandise:

a) Prior to exercising a Chargeback, if merchandisewas 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 Cardholder’s country’s

customs agency.

11. Chargeback is invalid for ATM Cash Disbursements.

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

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.

MERCH NOT

RECEIVED MMDDYY

Both:

1. The Electronic

Documentation

Transfer Method

questionnaire

(Exhibit 2E ), stating

any of the following,

as applicable:

a) Merchandise wasnot 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) Merchandisereturned

MMDDYY.

2. Effective for

Chargebacks


Processing Date of

20 April 2013, a

detailed description

of the merchandise

ordered but not

received.



Di s put eG roup6




15 May 20131-174



Cardholder or authorised person participated in the transaction, and did not receive ordered

merchandise.


Representment

Rights and

Limitations

Representment

Conditions



was processed.


1. CRED MMDDYY ARN

X...X (23 or 24

digits); or

2. REVERSAL MMDDYY.

None required


the applicable




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







1-17515 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.


1 Cardholder participated in the Transaction, and did not receive cash or Load

Transaction value, or received a partial amount.

1 - 176


None



Di s put eG roup6




15 May 20131-176

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, orreceived a partial amount.


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



processed.


1. CRED MMDDYY ARN X...X


2. REVERSAL MMDDYY.

None required


the applicable

Chargeback

conditions.


3. Acquirer can remedythe Chargeback.

Either that applies:1. TX TIME HH:MM, SEQ

#XXXXX, AMT DISPNS

$XXX.XX; or

2. ACQR CERTS ATM IN

BALANCE ON MMDDYY.

None required




2-115 May 2013

Arbitration

2.1 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3Reason . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 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






Arbitration


2-315 May 2013

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 pre-

Arbitration 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 representedwith 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 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.



Arbitration


15 May 20132-4

2.1.B.3 Pre-Arbitration Acceptance or Rebuttal

2.1.B.3.a 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 amountreceived 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 I—General 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 pre-

Arbitration 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 II—Dispute 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 originaldata 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 DocumentationTransfer Method, within:

30 calendar days of the Processing Date of the Chargeback or the Representment if pre-

Arbitration 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 pre-

Arbitration 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.



Arbitration


2-515 May 2013

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 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 I—General Rules, Section 8.9.A.

2.1.C.3 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 Member’s 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 incircumstances, 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 Member’s 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 Customer’s 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 I—General Rules, Section 8.9.A. The responsible Customer or Member will benotified as to its financial responsibility for the disputed Transaction.



Arbitration


15 May 20132-6

2.1.C.4.d 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 II—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 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.

2.1.C.5 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 daysof 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 I—General 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 I—General 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 For cases that relate to an International Transaction, the responsible Customer or Member is

financially liable for the US $250 filing fee, as specified in the Visa Europe Operating Regulations,

Volume I—General 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 For cases that relate to a Visa Europe Transaction, the responsible Member is financially liable for the

€270 filing fee, as specified in the Visa Europe Operating Regulations, Volume I—General Rules,

Section 8.7.A, which will be collected through VisaNet within 30 calendar days of written notificationfrom the Arbitration and Compliance Committee, at the time of case closure.









3-115 May 2013

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 3–D 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 - 12Visa Europe . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13



Compliance


15 May 20133-2

Valid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13

Visa Europe Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13

Opposing Member’s Response . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13

Requesting Member’s Withdrawal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13

Compliance Decision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13

Financial Liability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13Review 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



Compliance


3-315 May 2013

3.1 COMPLIANCE

Compliance allows a Customer and a Member that has no Chargeback, Representment, pre-

Arbitration or Arbitration right to file a complaint against a Customer or a Member for a violation of the

Visa Europe Operating Regulations, Volume II—Dispute 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 I—General 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 I—General

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 I—General Rules, Section 8.9.B) within 30 calendar days of the date of submission of that pre-

Compliance 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 pre-

Compliance attempt, the requesting Customer or requesting Member may file for Compliance.



Compliance


15 May 20133-4

3.3.C.3 Pre-Compliance Response

An opposing Customer or opposing Member must communicate its acceptance, or rebuttal of a pre-

Compliance attempt using the Electronic Documentation Transfer Method.

3.4 COMPLIANCE PROCESS

3.4.A 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 Chargeback Reduction Service Return

3.4.A.1.a 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 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, theMerchant 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).



Compliance


3-515 May 2013

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.



Compliance


15 May 20133-6

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 failedto 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 ECIvalue "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.



Compliance


3-715 May 2013

3.4.A.9 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”.

3.4.B Liability Shift For Electronic Commerce TransactionsIssuers must not process Chargeback Reason Code 83 — Fraud—Card-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 3–D 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. A variance to this requirement applies, to exclude Transactions involving Issuers or Acquirers from Visa Inc. (Latin America

and Caribbean and U.S.A).



Compliance


15 May 20133-8

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 3–D Secure Compliance Process—Issuer Non-Participation

Issuer Checks Pre-Compliance Response Compliance Response

ECI 5 Received

None 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

If no proof is

available theAcquirer is liable

ECI 6 Received

None Issuer requests

proof of attempted

authentication

(such as “VEReq”/

”VERes” pair or

“CRRes”1) from the

Acquirer

1. The “CRRes” must prove the Cache was updated no more than 24 hours prior to the Transaction.

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

If no proof is

available then the

Acquirer is liable



Compliance


3-915 May 2013

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 3–D Secure Compliance Process—Cardholder Non-Participation


ECI 5 Received

Issuer double-

checks 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

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

If no proof is

available then theAcquirer 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


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

If no proof is

available then the

Acquirer is liable



Compliance


15 May 20133-10

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 3-4 specifies the Compliance process for Transactions using 3-D Secure when both the Issuerand Cardholder participate in the service, but the Issuer was not given the opportunity to authenticate

the Transaction.

.

Table 3-3 3–D Secure Compliance Process—Issuer Declined


ECI 5 Received

• Issuer checks

Access Control

Server (ACS) for

Payer

Authentication

Response

(PARes) showing

declined

authentication.

• Issuer may check

“AHS” to validatePARes record.

• If ACS/”AHS”

shows decline

response in

PARes the Issuer

may raise a pre-

Compliance.

• If PARes shows

‘Yes’ response

the Issuer is

liable.

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

If no proof isavailable the

Acquirer is liable

Table 3-4 3–D Secure Compliance Process—Issuer Unable to Authenticate

Issuer

Checks

Pre-Compliance Response Compliance Response

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

Issuer requests

proof of attempted

authentication(such as “VEReq”/

”VERes” pair or


Acquirer


Issuer may file for

Compliance if

proof provided isnot valid

Visa Europe

arbitrates

• If proof

provided is

valid the Issueris liable

• If proof

provided is

invalid the

Acquirer is

liable

If no proof is

available the

Acquirer is liable



Compliance


3-1115 May 2013

Table 3-5 specifies the Compliance process for Transactions using 3-D Secure when both the Issuer

and Cardholder participate in the service, but the Issuer never received a Payer Authentication Request

(PAReq)/Payer Authentication Response (PARes) pair for the Transaction.

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 Time Limits

3.4.D.2.a 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 requestingMember 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.

Table 3-5 3–D Secure Compliance Process—PAReq not Received by Issuer

IssuerChecks

Pre-Compliance Response Compliance Response

ECI 5 Received

Issuer checks its

own records for a

PAReq/PARes pair.

If not found, Issuer

may check the

“AHS”.

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

If no proof is

available the

Acquirer is liable



Compliance


15 May 20133-12

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 thefollowing, 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 Filing Fee

If a request for Compliance relating to a Customer’s 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 I—General 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 Member’s request for Compliance is invalid, it must return the

request for Compliance to that requesting Member. The requesting Member has no further recourse.



Compliance


3-1315 May 2013

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 Member’s 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 Member’s 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 theresponsible Customer or Member through the Visa System at the time that the case is closed, as

specified in Visa Europe Operating Regulations, Volume I—General 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 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.

3.4.F.5 Financial Liability

3.4.F.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.





Compliance


3-1515 May 2013

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 opposingCustomer or opposing Member.

3.4.G.4 Finality of Decision on Appeal

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

3.4.H 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.







A-115 May 2013

Exhibits

RISKExhibit 1A Lost or Stolen Card Report . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 4

Exhibit 1B Exception File Update Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 5

Exhibit 1C Recovered Card Advice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 6

Exhibit 1F Recovered Counterfeit Card Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 7

DISPUTE RESOLUTION

Exhibit 2E Dispute Resolution Forms - Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 9

Exhibit 2E-1 Issuer Chargeback Form - Request for Information . . . . . . . . . . . . . . . . . . . . . . A - 11

Exhibit 2E-2 Issuer Chargeback Form - Fraud . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 12

Exhibit 2E-3 Issuer Chargeback Form - Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 13

Exhibit 2E-4 Issuer Chargeback Form - Processing Error . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 14

Exhibit 2E-5 Issuer Chargeback Form - Cancelled/Returned . . . . . . . . . . . . . . . . . . . . . . . . . A - 15Exhibit 2E-6 Issuer Chargeback Form - Non-Receipt Goods/Services . . . . . . . . . . . . . . . . . A - 16

Exhibit 2E-1 Acquirer Representment Form - Request for Information . . . . . . . . . . . . . . . . . A - 17

Exhibit 2E-2 Acquirer Representment Form - Fraud . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 18

Exhibit 2E-3 Acquirer Representment Form - Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . A - 19

Exhibit 2E-4 Acquirer Representment Form - Processing Error . . . . . . . . . . . . . . . . . . . . . . A - 20

Exhibit 2E-5 Acquirer Representment Form - Cancelled/Returned . . . . . . . . . . . . . . . . . . . . A - 21

Exhibit 2E-6 Acquirer Representment Form - Non-Receipt Goods/Services . . . . . . . . . . . .A - 22

Exhibit 2F Summary of Unauthorized Telephone Service Transactions . . . . . . . . . . . . . .A - 23

Exhibit 2G Unauthorized Signature - Issuer Certification . . . . . . . . . . . . . . . . . . . . . . . . . . A - 24

Exhibit 2J Summary of Arbitration Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 25

Exhibit 2K Summary of Compliance Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 26

Exhibit 2L BASE II Record Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 27Exhibit 2M Visa Europe Clearing and Settlement Record Requirements . . . . . . . . . . . . . A - 39

Exhibit 2N Pre-Arbitration Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 51

Exhibit 2O Pre-Compliance Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 52

Exhibit 2P Cardholder Dispute Resolution Request Form . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 53

AUTHORIZATION

Exhibit 3A Required Message Content for VisaNet Financial Transactions . . . . . . . . . . .A - 55

Exhibit 3B Required Message Content for VisaNet Authorization Requests . . . . . . . . . A - 63

Exhibit 3C Required Message Content for Visa Europe Systems Financial

Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 75

Exhibit 3D Required Message Content for Visa Europe Systems

Authorization Requests . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 84Exhibit 3E Certification of Special Authorization Representment Amount . . . . . . . . . . A - 98





RISK


A-315 May 2013

RISK

Exhibit 1A Lost or Stolen Card Report . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 4

Exhibit 1B Exception File Update Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 5

Exhibit 1C Recovered Card Advice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 6

Exhibit 1F Recovered Counterfeit Card Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 7



RISK Exhibit 1A


15 May 2013A-4

Exhibit 1A Lost or Stolen Card Report

GENERAL INFORMATION

If Account Number Unavailable, List Isssuer:

Home Phone Number:

First:

Circumstances of Loss/Theft:

ID Number:

Attention: Date of Report: Time of Report:

Date Fax Received:

Lost Classic CorporateBusiness

Visa InfiniteVisa Electron Card

Gold/Premier Purchasing

Stolen

Card Type:

CARDHOLDER INFORMATION

Account Number:

Cardholder

Name: Middle: Last:

Billing Address/City/State/Postal Code/Country:

Temporary Phone Number:

CARDHOLDER IDENTIFICATION INFORMATION

Date of Loss/Theft:Place of Loss/Theft:

ID Type:

Date of Birth:

Number ofCards Issued:

Number ofCards Missing:

ADDITIONAL CARDHOLDER INFORMATION

Last Purchase Date: Cardholder advised to confirm loss in writing?

Cardholder advised not to use Card with same number?

NoYes

NoYes

EMERGENCY SERVICE REQUEST INFORMATION

Emergency Services Requested? NoYes

NOTIFICATION INFORMATION

Issuer Notified? NoYes By: Date: Time:

GCAS INFORMATION ONLY

Date Fax Received: By: Time:

Verification Number: Advised of verification number? NoYes

BASE Blocked? NoYesOperator Number:

Spoke To: Center Number (BIN): Phone/Telex/Fax:



RISK Exhibit 1B


A-515 May 2013

Exhibit 1B Exception File Update Form

Exception File Transaction Request

UPD CODES: 1 = Add, 2 = Change, 3 = Delete

Completed by:

Phone Number:

04 Pick Up Card

05 Do Not Honour

07 Pick Up Card / Special Attention

41 Lost Card / Pick Up

43 Stolen Card / Pick Up

O The account will not be included in any bulletins

A Asia

B CEMEA

C Canada

E Europe

F Latin America

REGION CODES:

ACTION CODES:

PURGE DATE: (Year / Month / Day)

UPD CODE ACCOUNT NUMBER PURGE DATE ACTION DATE REGION

Fax:

Information must be typed for processing.

Submittal Date: (Month / Day / Year)





RISK Exhibit 1F


A-715 May 2013

Exhibit 1F Recovered Counterfeit Card Notification

Method of Recovery:

Account Number on Card:

Issuer:

Date:

Acquirer:

4BIN:

4BIN:

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 EuropePO Box 39662London W2 6WHUnited Kingdom

Visa Europe Use Only:

Date:Reviewed by:





DISPUTE RESOLUTION Exhibit 2E


A-915 May 2013

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 IItransmission.

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 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 BINThis 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 zero-

filled to the right of the Account Number

Cardholder Name This field may contain the name of the Cardholder that appears on the Card



DISPUTE RESOLUTION Exhibit 2E


15 May 2013A-10

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 AcquiringInstitution 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: System’s 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 alphabetcharacters.

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 VisaInterchange 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”.

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.

Table A-1 Dispute Resolution Forms (Continued)



DISPUTE RESOLUTION Exhibit 2E-1


A-1115 May 2013

Exhibit 2E-1 Effective until 12 October 2012, Issuer Chargeback Form - Request for Information

MEMBER INFORMATION

Account Number:


Chargeback Reference Number: (if used)

Cardholder Name (optional):

CHARGEBACK REASON CODECheck the reason code and provide all information that applies

MEMBER CONTACT INFORMATION

To BIN: From BIN:

TRANSACTION INFORMATION

1.

Request ID Number:

Illegible Account Number or Amount on Transaction Receipt or Substitute Transaction Receipt

Request Date (MMDDYY) (if applicable):

Merchant Name:

Transaction Date (MMDDYY):

Acquirer Reference Number: MCC: Transaction ID:

Merchant Location:

Processing Date (MMDDYY):

Transaction Amount:

(In Billing Currency)

Disputed Amount:

(If different from Transaction Amount)

Fax Number:

Contact Name: Phone 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):

60 - Illegible Fulfillment

75-Transaction Not Recognised

Information Not Recognised:

Transaction Amount

Merchant Name

Transaction Date

Merchant Location

Other (must specify):

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.







A-1315 May 2013

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

MEMBER INFORMATION



1.

70 - Card Recovery Bulletin or Exception File

Account Number listed on Card Recovery Bulletin (MMDDYY):

Account Number listed on Exception File (MMDDYY):

CRB Region:

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 followingidentical 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

Account Number:CARDHOLDER INFORMATION



Merchant Name:


To BIN: From BIN:



Merchant Location:


Transaction Amount:


Disputed Amount:


Fax Number:











15 May 2013A-14

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

MEMBER INFORMATION

Account Number:




Merchant Name:




Fax Number:

To BIN: From BIN:



Merchant Location:


Transaction Amount:


Disputed Amount:


Account Status:(if processed within 180 days of Transaction Data)

1.





Counterfeit Account Problem Presentment more than180 days from TransactionDate Account Closed Other Fraud

Credit posted as debit Purchase posted as cashDebit posted as credit Cash posted as purchase

74 - Late Presentment

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: Country processed through the Visa System was:

Cardholder not advised that Dynamic Currency Conversion would occur, or refused the choice of paying in the Merchant'slocal currency

77 - Non-Matching Account Number and no Authorization obtained

80 - Incorrect Transaction Amount or Account Number

Correct Transaction Amount is:

Transaction Amount altered from: to: Account Number Incorrect

Addition or Transposition Error, correct amount is:

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

1. Refer to the Visa Europe Operating Regulations for complete Chargeback requirements.






A-1515 May 2013

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

MEMBER INFORMATION

Account Number:CARDHOLDER INFORMATION



Merchant Name:




Fax Number:

To BIN: From BIN:



Merchant Location:


Transaction Amount:


Disputed Amount:


1.





Transaction cancelled (MMDDYY):

Acquirer/Merchant notified account closed (MMDDYY):

Previously charged back (MMDDYY):

Providing copy of Credit Transaction Receipt or voidedTransaction Receipt not processed

Merchandise/service not as described (Provide details)Merchandise defective or damaged (Provide details)

Acquirer Reference Number:

41 - Cancelled Recurring Transaction

Name of shipping company:(if available)

Invoice/tracking number:(if applicable)

Merchant received merchandise(MMDDYY):

Merchant received merchandise (MMDDYY) (if applicable)

Timeshare cancelled (MMDDYY):

Reservation cancelled (MMDDYY):

Advance Deposit cancelled (MMDDYY):

Cardholder not informed of cancellation policy Alternate accomodation provided no credit issued

Merchandise returned or service cancelled (circle as

applicable) (MMDDYY):Name of shipping company:(if available)

Invoice/tracking number:(if available):

Merchant billed a No Show Transaction for more than a one night stayMerchant failed to accept cancellation or provide cancellation code

Reservation was made within 72 hours of arrival date and cancelledprior to 18h00

53 - Not as described or Defective Merchandise

85 - Credit Not Processed

Merchandise returned/servicecancelled on (MMYYDD):

Cancellation code (provide details ifcode is unavailable):

MEMBER CERTIFICATIONIssuer certification required

Issuer certifies that Cardholder attempted to resolve with Merchant

1.



Merchandise counterfeit(Provide details and explanation of current location): Merchandise received/Cardholder received held notification

(MMYYDD):







A-1715 May 2013

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

Information

MEMBER INFORMATION

Account Number:


Chargeback Reference Number:(if used)


REPRESENTMENT REASON CODECheck the reason code and provide all information that applies


To BIN: From BIN:


1.


Merchant Name:



Merchant Location:


Transaction Amount:


Disputed Amount:


Fax Number:





1. Credit or Reversal Processed (MMDDYY):

2. Chargeback Conditions Not Met (Specify reason):

Remedy for Chargeback:

60 - Illegible Fulfillment Request ID Number:

Providing Transaction Receipt with legible Account Number

Providing Transaction Receipt with legibleTransaction Amount

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

Providing additional information or Transaction data not rquired in the Clearing Record












A-2115 May 2013

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

Returned

MEMBER INFORMATION

Account Number:




Merchant Name:

REPRESENTMENT REASON CODE

Check the reason code and provide all information that applies



Fax Number:

To BIN: From BIN:



Merchant Location:


Transaction Amount:


Disputed Amount:


1.





No previous ChargebackIssuer did not provide notification that account is closed

Providing evidence of proper disclosure of return/cancellation policy provided at time of TransactionProviding evidence that timeshare Transaction not cancelled within the 14-day period

41 - Cancelled Recurring Transaction

3. Remedy for Chargeback:



Providing evidence to prove service or merchandise correctly describedProviding evidence to prove merchandise not defectiveReturned merchandise not received

85 - Credit Not Processed

Returned merchandise not receivedProviding evidence of used portion of merchandise

53 - Not as described or Defective Merchandise

Providing evidence of used portion of merchandise/service

Cancellation code invalid (provide explanation)



Providing evidence to prove merchandise not counterfeit





15 May 2013A-22

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

Goods/Services

MEMBER INFORMATION

Account Number:




Merchant Name:

REPRESENTMENT REASON CODE

Check the reason code and provide all information that applies



Fax Number:

To BIN: From BIN:



Merchant Location:


Transaction Amount:


Disputed Amount:


1.





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)

30 - Services Not Provided or Merchandise Not Received

3. Remedy for Chargeback:



Date merchandise shipped (MMDDYY):

Name of shipping company: (if available)

Invoice/tracking number: (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 Valuedisbursed correctly







DISPUTE RESOLUTION Exhibit 2G


15 May 2013A-24

Exhibit 2G Unauthorized Signature - Issuer Certification

FROM:

TO:

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

BIN:

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 (MM/DD/YY)

5. The recovered Card shows evidence of alteration on the signature panel Yes No

6. Other outstanding Cards with the same Account Number have been issued to:

(if none, write "none")

(Name) (Relationship to Cardholder)

(Name) (Relationship to Cardholder)

Prepared by: Date (MM/DD/YY)



DISPUTE RESOLUTION Exhibit 2J


A-2515 May 2013

Exhibit 2J Summary of Arbitration Documentation

Opposing Member Name:

Requesting Member Name:

Effective for Arbitration submissions for ChargebacksThe following information is required under Visa Europe Operating Regulations, Volume I—General Rules, Section 7.6.C.2.d or VisaEurope Operating Regulations, Volume II—Dispute Resolution Rules, Section 2.1.C.2.d must be completed legibly for a request to beaccepted. Documents not in English must be accompanied by English translations.

INSTRUCTIONS: Please type or print in upper-case letters.

BIN:

Requesting Member Case Number:

Account Number:

Issuer Acquirer

Amount in dispute:

Case submitted by:

Cardholder Name:

Merchant Name:

Merchant Country:

Number of Transactions in case:

Amount in dispute (in Transaction ccy):

(If multiple Transactions, attach Summary of Arbitration Documentation for each item.)

A. Arbitration Qualification1. 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. Reason given for refusal (if written refusal, attach copy of correspondence):

B. Chronological Sequence of EventsComplete Sections 1, 2 and 3 for all requests. Complete Section 4 only if you are the Issuer and filing the case withVisa Europe. Complete Section 5 only if you are the Acquirer and filing the case with Visa. Please provide the followingdates 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 ChargebackProcessing Date:

ReasonCode:

First ChargebackProcessing Date:

ReasonCode:

C. Supporting Documentation - All copies must be legible. Check appropriate items identifying documentationattached1. Copy of Transaction Receipt 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:

Prepared by:

Authorized by:

Telephone Number:

Title:

(signature)

Date:

Fax Number: Telex Number:

BIN:

Merchant Location (city):

Merchant Category Code:

RepresentmentProcessing Date:

ReasonCode:

RepresentmentProcessing Date:

ReasonCode:



DISPUTE RESOLUTION Exhibit 2K


15 May 2013A-26

Exhibit 2K Summary of Compliance Documentation


A. COMPLIANCE REQUIREMENTS All of the requirements specified in Volume I—General Rules, Section 7.10 or Volume II—Dispute Resolution Rules, Section 3.4.A must be met for a request to be accepted:

1. Violation of the Visa Internatioal Operating Regulations occurred.2. Member has no Chargeback, Representment or Arbitration right.

3. Member incurred or will incur a financial loss as a direct result of the violation.

4. Member would not have incurred the financial loss had the violation not occurred.

Requesting Member Name:

Requesting Member Case Number:

Acquirer Reference Number (23 or 24 Digits) / Tracing Data:

Account Number:

C. DOCUMENTATION

Supply legible copies of all pertinent documentation to support (i) the alleged violation and (ii) your financial loss. You must include acopy of your written good faith at tempt and any response. Include all other documentation, such as Cardholder letters, Merchantcorrespondence, copies of Transaction Receipts, Credit Transaction Receipts, and any logs, forms or exhibits. Please attach a list ofthe documentation included and ensure that documentation not in English is translated.

D. FILING FEE: to be collected through fee collection.

Date Prepared:

Prepared by:

Authorized By:

Title:

Telephone Number: Date:

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 aloss:

Indicate the reason why your Center would not have experienced a loss if thisregulation was not violated:

B. COMPLIANCE INFORMATION - COMPLETE THE FOLLOWING AS APPLICABLE

BIN:

BIN:

Opposing Member Name:

Issuer Acquirer

Amount in Dispute (in Transaction Currency):

Cardholder Name:

Amount in Dispute:

Merchant Name:

Merchant Country:

Merchant Location (city):

Merchant Category Code:

PLEASE PROVIDE THE FOLLOWING DATES IN "MMDDYY" FORMAT:

Visa System Processing Date: Retrieval Request Date:

Date of Alleged Violation:

Date of Discovery:

(signature)

Case submitted by:



DISPUTE RESOLUTION Exhibit 2L


A-2715 May 2013

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:

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

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





15 May 2013A-28

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.

Acquirer Reference Number

This field must contain the 23-digit identification number assigned to the record in the firstPresentment, 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.

Transaction Date

Transaction Amount

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.

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

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





A-2915 May 2013

Merchant Name

Table A-5 Merchant Name

Description This field must contain the same name as the Merchant or Acquirer name (for

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 25Roman 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 fieldmust 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 non-

Member 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 Member’s 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

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.

Instalment Transactions For an Instalment Transaction, this field must also include an appropriateinstalment 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 passenger’s ticket number.





15 May 2013A-30

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.

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”


• 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 I—General Rules, Section 5.3.F.2, this fieldmust 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 I—General 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:


number, excluding the check digit• A three digit carrier number, a three digit form number, and a seven digit


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

sender’s name.

Table A-5 Merchant Name (Continued)





A-3115 May 2013

Merchant City

Merchant Country

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 Merchant’s

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).

Recurring Transactions 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 Merchant’s 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.

Table A-7 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 ServiceTransactions


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-3315 May 2013

Authorization Code

This field must contain an alphanumeric code or spaces.

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.

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.

Table A-10 Authorization Code

Authorized at a Point-of-

Transaction 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.)

Table A-11 Reimbursement Attribute

Value Reimbursement Schedule

0 Standard Interchange Reimbursement Fee

1 Plus ATM Cash Disbursement

2 Visa/Plus ATM Cash Disbursement

A Custom Payment Service Interchange Reimbursement Fee (Brazil, Germany, Malaysia, U.S.A.)

B International pre-Custom Payment Service

C International Airline Transaction

G Plus ATM Cash Disbursement—Tier II

H Visa/Plus ATM Cash Disbursement—Tier II

Y Supermarket Prepaid—Interlink or Prepaid Load

Z General Merchant—Interlink or Prepaid Load







A-3515 May 2013

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.

B 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.)

S Hotel or restaurant qualifying for a special Floor Limit8 Quasi-Cash/Online Gambling Transaction, as specified in Visa Europe Operating

Regulations, Volume I—General Rules, Section 5.4.N

Table A-15 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 notrelevant for the Transaction.

1 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.

2 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-

Transaction Environment value “R”

Recurring Transaction payment

indicator, to identify a Recurring

Transaction.

3 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.

Table A-14 Merchant Transaction Indicator (second position) (Continued)

Indicator Description







A-3715 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.

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 ClearingRecord:

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-17 Unattended Acceptance Terminal Indicator

Value Unattended Acceptance Terminal Type

Space Not applicable to this Transaction

1 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 BEffective from 15 October 2011, Transaction at an Unattended Acceptance Terminal that

requires Authorization

4 Remote Indicator

Table A-18 TCR3 Airline Transaction Record Data Requirements

Position Field Length Format Contents

1-2 2 Unpacked Numeric Transaction Code

3 1 Unpacked Numeric Transaction Code Qualifier

4 1 Unpacked Numeric Transaction Component Sequence Number

5-16 12 Alphanumeric Reserved

17-18 2 Alphanumeric Business Format Code (AI)


27-46 20 Alphanumeric Passenger Name

47-52 6 Unpacked Numeric Departure Date (MMDDYY)

53-55 3 Alphanumeric Origination City/Airport Code56-62 7 Group Trip Leg 1 information





15 May 2013A-38

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.

63-69 7 Group Trip Leg 2 information



84-91 8 Alphanumeric Travel Agency Code

92-116 25 Alphanumeric Travel Agency Name

117 1 Alphanumeric Ticket Indicator

118-123 6 Alphanumeric Fare Basis Code - Leg 1



136-141 6 Alphanumeric Fare Basis Code-Leg 4


Table A-19 Miscellaneous Charge Data

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

XAA Miscellaneous Charge

XTD Ticket Delivery

XPC Pet Carrier

XPE Ticket Re-Issue Fee

Table A-18 TCR3 Airline Transaction Record Data Requirements (Continued)



DISPUTE RESOLUTION Exhibit 2M


A-3915 May 2013

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:

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

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.

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





15 May 2013A-40


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.

Transaction Date

Transaction Amount

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.

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

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 theAcquirer for the Chargeback





A-4115 May 2013

Merchant Name

Table A-23 Merchant Name

Description This field must contain the same name as the Merchant or Acquirer name (for

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 25Roman 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 fieldmust 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 non-

Member 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 Member’s affiliated domestic, regional or national network


number, excluding the check digit

• A three digit carrier number, a three digit form number, and a seven digit


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.

Instalment Transactions For an Instalment Transaction, this field must also include an appropriateinstalment 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 passenger’s ticket number.





15 May 2013A-42

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



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 8-10: Duration of the call in minutes• Position 11: An “M”


• 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 I—General Rules, Section 5.3.F.2, this fieldmust 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 I—General 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:


number, excluding the check digit• A three digit carrier number, a three digit form number, and a seven digit


Recurring Transactions 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

For an International Original Credit money transfer this field must contain the

sender’s name.

Table A-23 Merchant Name (Continued)





A-4315 May 2013

Merchant City

Table A-24 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 writtenrequest.

• 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

Merchant’s 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

Merchant’s 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).

Recurring TransactionsFor 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 Merchant’s 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.





15 May 2013A-44

Merchant Country

Merchant Category

This field must contain the appropriate four digit Merchant Category Code, as specified in Visa Europe

Operating Regulations, Volume I—General Rules, Appendix B, “Merchant Data Standards”

Merchant State or Province

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.

Table A-25 Merchant Country

Definition This field contains the name of the Transaction Country.

Abbreviations The first two positions of this f ield must contain the appropriate standard

country abbreviation that appears in the Visa Europe System Manuals. Thethird 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.

Table A-26 Merchant State or Province

DescriptionThis 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.





A-4515 May 2013

Usage Code

This field must contain the appropriate value listed in Table A-27 to specify the Transaction processing

cycle.

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 II—Dispute

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.

Reimbursement Attribute

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.

Table A-27 Processing Cycle Usage Codes

Usage Code Transaction Processing Cycle

1 Presentment

1 Chargeback

2 Representment

Table A-28 Authorization Code

Authorized at a Point-of-

Transaction 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.)





15 May 2013A-46

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:

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 II—Dispute Resolution Rules, under each

reason code.

Table A-29 Reimbursement Attribute

Value Reimbursement Schedule

0 Standard Interchange Reimbursement Fee

1 Plus ATM Cash Disbursement

2 Visa/Plus ATM Cash Disbursement

A Custom Payment Service Interchange Reimbursement Fee (Brazil, Germany, Malaysia,

U.S.A.)

B International pre-Custom Payment Service

C International Airline Transaction

G Plus ATM Cash Disbursement—Tier II

H Visa/Plus ATM Cash Disbursement—Tier II

Y Supermarket Prepaid—Prepaid Load

Z General Merchant— Prepaid Load

Table A-30 Status of Supporting Documentation/Acquirer Reference Number Validity

Value Documentation Status

Space No supporting documentation required

0 No supporting documentation provided

1 Supporting documentation to follow

2 Invalid Acquirer Reference Number and no supporting documentation received or

required

3 Invalid Acquirer Reference Number and supporting documentation received

4 No supporting documentation received





A-4715 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.

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.

Table A-31 Risk Identification (first position)


(Blank) Risk identification indicator not required for this Merchant

1 Zero Floor Limit required

2 Terminal capable of reading and transmitting the full unaltered contents of the

Magnetic Stripe or Chip in the Authorization Request

3 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)


(Blank) None of the specified conditions is present

L Hotel

D Hotel qualifying for a special Floor Limit (This indicator is used at the option of each


B Hotel qualifying for a special Floor Limit (This indicator is used at the option of each


S Hotel or restaurant qualifying for a special Floor Limit

8 Quasi-Cash/Online Gambling Transaction, as specified in Visa Europe Operating

Regulations, Volume I—General Rules, Section 5.4.N





15 May 2013A-48

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.

1 Single Mail/Phone Order Transaction Indicates that the Transaction is not

a Recurring Transaction or

instalment payment.

2 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, toidentify a Recurring Transaction.

3 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.

4 Unknown classification/other mail order Indicates that the type of mail/

telephone order is unknown.

5 Secure Electronic Commerce Transaction Indicates that the Electronic

Commerce Transaction has been

authenticated using an approvedprotocol, such as 3-D Secure.

6 Non-Authenticated Security Transaction at a 3-D

Secure-capable 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

protocol, such as 3-D Secure.

7 Non-Authenticated Security Transaction Identifies an Electronic Commerce

Transaction that uses data

encryption for security, however

Cardholder Authentication is not

performed using an approved

protocol, such as 3-D Secure.

R Recurring Transaction 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-4915 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.

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 AirlineTransactions 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-34 Unattended Acceptance Terminal Indicator

Value Unattended Acceptance Terminal Type

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

4 Remote Indicator

Table A-35 TCR3 Airline Transaction Record Data Requirements


1-2 2 Unpacked Numeric Transaction Code

3 1 Unpacked Numeric Transaction Code Qualifier

4 1 Unpacked Numeric Transaction Component Sequence Number


17-18 2 Alphanumeric Business Format Code (AI)


27-46 20 Alphanumeric Passenger Name

47-52 6 Unpacked Numeric Departure Date (MMDDYY)

53-55 3 Alphanumeric Origination City/Airport Code





15 May 2013A-50

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-36.





84-91 8 Alphanumeric Travel Agency Code

92-116 25 Alphanumeric Travel Agency Name

117 1 Alphanumeric Ticket Indicator




136-141 6 Alphanumeric Fare Basis Code-Leg 4


Table A-36 Miscellaneous Charge Data

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

XAA Miscellaneous Charge

XTD Ticket Delivery

XPC Pet Carrier

XPE Ticket Re-Issue Fee

Table A-35 TCR3 Airline Transaction Record Data Requirements (Continued)




DISPUTE RESOLUTION Exhibit 2N


A-5115 May 2013

Exhibit 2N Pre-Arbitration Attempt

Date (mm/dd/yy):

Member Case ID / Number (optional):

Acquirer Reference Number (23 or 24 characters):

Transaction Date (mm/dd/yy):

RESPONSE

Response Prepared by (Requester): Date (mm/dd/yy):

Fax Number:Telephone Number:

E-mail (Optional):

BIN:

BIN:To:

YES, see Explanation section NO

1st Chargeback Date (mm/dd/yy): Reason Code:

Merchant Name: Merchant Country Location:

Explanation:

If we have not received your response by our filing date of (mm/dd/yy)______________________, we will file this case directly with theVisa Europe Arbitration Committee. Please indicate your decision below and reply to this Pre-Arbitration attempt. If you have anyquestions, feel free to contact us directly.

Prepared by (Requester): Telephone Number:

Fax Number: E-mail (Optional):

Account Number:

From:

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:

Cardholder Name (Optional):

Number of Transactions: Merchant Category Code (MCC):

Disputed Amount (US Dollars): $ Transaction Currency Amount:

Transaction Processing Date:

Representment Date (mm/dd/yy): Reason Code:

We accept this case. We have credited you via Miscellaneous Funds Disbursement on (mm/dd/yy)

We decline this case.

Explanation of decline:



DISPUTE RESOLUTION Exhibit 2O


15 May 2013A-52

Exhibit 2O Pre-Compliance Attempt

Date (mm/dd/yy):

Member Case ID / Number (optional):

Acquirer Reference Number (23 or 24 characters):

Tranasaction Date (mm/dd/yy):

RESPONSE

Response Prepared by (Opposer): Date (mm/dd/yy):

Fax Number:Telephone Number:

E-mail (Optional):

BIN:

BIN:To:

Account Number:

Merchant Country Location:

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 theVisa Europe Compliance Committee. Please indicate your decision below and reply to this Pre-Compliance attempt. If you have anyquestions, feel free to contact us directly.

Prepared by (Requester): Telephone Number:

Fax Number: E-mail (Optional):

From:

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.

Merchant Name:

Merchant Category Code (MCC):

Disputed Amount (US Dollars): $ Transaction Currency Amount:

Violation Date (mm/dd/yy):

We accept this case. We have credited you via Miscellaneous Funds Disbursement on (mm/dd/yy)

We decline this case.

Explanation of decline:

Cardholder Name (Optional):

I or IIVEOR Volume:

Violated Section(s): Number of Transactions:

Date of Discovery (mm/d/yy):



DISPUTE RESOLUTION Exhibit 2P


A-5315 May 2013

Exhibit 2P Cardholder Dispute Resolution Request Form

Account Number:

BIN:Issuer Name:

FIRST CHARGEBACK

ISSUER, CARDHOLDER, ACQUIRER, AND MERCHANT INFORMATION

Cardholder Name: (Last) (First and M.I.)

Cardholder Address:

BIN: Acquirer Name:

Acquirer Reference Number/Tracing Data:

Merchant Category Code: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):

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 OPTIONAL DOCUMENTATION ATTACHED

Concise chronological summary of dispute details including type ofTransaction, Cardholder dispute details, Chargeback andPresentment facts, Cardholder contact, Merchant contact, etc.

Copy of Transaction Receipt

Copy of all Cardholder/Merchant correspondence

Other (specify)

REQUESTER INFORMATION AND OFFICIAL AUTHORIZATION TO SUBMIT RESOLUTION REQUEST

Request Date (MM/DD/YY):

Telephone/Fax/Telex:Prepared by:

Centre Manager/Authorized Officer: (please type)

Title: (please type)

Financial Institution Name:

City: Address:

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



AUTHORIZATION


15 May 2013A-54

AUTHORIZATION

AUTHORIZATION

Exhibit 3A Required Message Content for VisaNet Financial Transactions . . . . . . . . . . A - 55

Exhibit 3B Required Message Content for VisaNet Authorization Requests . . . . . . . . . A - 63Exhibit 3C Required Message Content for Visa Europe Systems Financial

Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 75

Exhibit 3D Required Message Content for Visa Europe Systems

Authorization Requests . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 84

Exhibit 3E Certification of Special Authorization Representment Amount . . . . . . . . . . A - 98



AUTHORIZATION Exhibit 3A


A-5515 May 2013

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 TypeIndicator

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 NumberField 2

Account Number of up to 19 digits.

Processing CodeField 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

Value Description

00 Purchase Transaction

01 Cash Disbursement

02 Adjustment—Debit

03 Check Guarantee Transaction

10 Account Funding Transaction—Debit

11 Quasi-Cash /Online Gambling Transaction

19 Fee Collection—Debit

20 Return (of goods)—Credit

22 Adjustment—Credit

29 Funds Disbursement—Credit

30 Balance Inquiry

40 Cardholder Account Transfer





15 May 2013A-56

Processing CodeField 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



Number)

Transaction AmountField 4

The amount of the Transaction. It must be expressed as a 12-digit f ield with the

amount right-justified and without a decimal.

Example:

£73.49 = 000000007349

£4,962.50 = 000000496250

Settlement AmountField 5

The Transaction Amount in the Settlement Currency.

Cardholder BillingAmountField 6

The Transaction Amount in the Cardholder billing currency.

Transmission Dateand TimeField 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 AuditNumberField 11

A six digit number that uniquely identifies a Transaction and all the messages it

includes according to individual program rules.

Transaction TimeField 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.





A-5715 May 2013

Transaction DateField 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 TypeField 18

A four digit code identifying the type of business conducted by the Merchant (that

is, the Merchant Category Code). See Volume I—General Rules, Appendix B,

“Merchant Data Standards,” for a complete listing.

AcquiringInstitution CountryCodeField 19

A three digit numeric code identifying the country of the acquiring institution.

POS Entry ModeCodeField 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

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

POS Entry ModeCode Field 22 (cont)

Position 3

Value Description

0 Unknown

1 Terminal can accept and capture PINs

2 Terminal cannot accept or capture PINs

8 PIN pad inoperative

9 Reserved for future use





15 May 2013A-58


Position 4

Value Description

0 Unused

POS Condition Code

Field 25A 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 Unattended Acceptance Terminal

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

AcquiringInstitutionIdentification CodeField 32

A code that identifies the acquiring institution.

Retrieval ReferenceNumberField 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 CodeField 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





A-5915 May 2013

07 Pick up Card; special condition (Response

indicates fraudulent use other than lost orstolen 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

Response CodeField 39 (Continued)


Value Description





15 May 2013A-60

Y3 Unable to go online (offline approved)

A complete list of response codes may be found in the VisaNet Manuals.

Card AcceptorTerminalIdentificationField 41

A code that identifies a terminal or an ATM at the Card acceptor location.

Card AcceptorIdentification CodeField 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 AcceptorName and LocationField 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 sender’s name.

CardholderAuthenticationVerification ValueResults CodeField 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.

1 CVV, iCVV or dCVV failed verification.

2 CVV, iCVV or dCVV passed verification.

Transaction

Currency CodeField 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 maybe found in the VisaNet Manuals.

SettlementCurrency CodeField 50

A three digit numeric code that identifies the Settlement Currency.

Cardholder BillingCurrency CodeField 51

A three digit numeric code that identifies the currency used by the Issuer to bill the

Cardholder’s account.



Value Description





A-6115 May 2013

Mail/Telephone orElectronicCommerce IndicatorField 60.8

Positions 9 and 10 are the Electronic Commerce Transaction Indicators. The values

are :

Value Description

05 Secure Electronic Commerce Transaction

06 Non-Authenticated Security Transaction at a

3-D Secure-capable Merchant and the

Merchant attempted Cardholder

authentication using 3-D Secure

07 Non-Authenticated Security Transaction

08 Non-Secure Transaction

Network

Identification CodeField 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 ReasonCodeField 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:

Value Description

Space POS Customer Present (POS Check Service

Only)

1 Single Transaction of a mail/phone order

2 Recurring Transaction

3 Instalment payment

4 Unknown classification/Other mail order








ReimbursementAttributeField 63.11

A code that identifies the applicable Interchange Reimbursement Fee for a

Transaction.





15 May 2013A-62

Original DataElementsField 90

Information used to link the current message back to prior messages relating to the

same Transaction.

Transaction-Specific

DataField 104

For Original Credit money transfer message requirements, see the Original Credits

Member Requirements manual.

Visa Inc./EuropePrivate-Use Field,VSEC SubfieldsField 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 VerificationValue (CAVV)



AUTHORIZATION Exhibit 3B


A-6315 May 2013

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





applicable, the type of account affected (positions 3 and 4).

Positions 1 and 2

Value Description



11 Quasi-Cash/Online Gambling Transaction

28 Prepaid Load

30 Balance Inquiry


72 Prepaid Activation





15 May 2013A-64


Positions 3 and 4

Value Description


10 Savings Account

20 Checking Account



Number)


Positions 5 and 6

Value Description

00 Not applicable

10 Savings Account

20 Checking Account



Number)




Examples:

€73.49 = 000000007349

£4,962.50 = 000000496250




Example:

October 9 at 9:38.06 AM = 1009093806





A-6515 May 2013

Expiry DateField 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.

Merchant CategoryCode (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.







15 May 2013A-66


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 onlinePIN is included in the message.

Positions 1 and 2

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 iCVVchecking is possible

Indicates that the account information

was obtained from the Chip on the Cardand that CVV or iCVV checking is

possible.

07 Proximity Payment using

VSDC Chip rules


was obtained from the Chip on the Card

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.


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-6715 May 2013

POS Entry ModeCode Field 22(Continued)

Position 3


0 Unknown Indicates that the online PIN capability ofthe Point-of-Transaction Terminal cannot

be determined.

1 Terminal can accept

online PINs

Indicates that the Point-of-Transaction

Terminal can accept and forward an

online PIN.

2 Terminal cannot accept

online PINs


Terminal cannot accept and forward an

online PIN.

8 Terminal PIN pad is down Indicates that the Point-of-Transaction


online PIN, but cannot do so because the

PIN pad is not functioning.

9 Reserved for future use Not used for Transactions using a Visa

Card or a Visa Electron Card.

POS Entry ModeCode Field 22(Continued)

Position 4


0 Unused Not used for Transactions using a Visa


POS Condition CodeField 25

A two digit code used to identify conditions at the point of service or point of sale.

The values for the POS condition code are:


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 Cardholder not present Not used for Visa Card and Visa Electron

Card Transactions.

02 Unattended Acceptance

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.





15 May 2013A-68

05 Cardholder present; Card

not present

Indicates that the Cardholder is present

at the Merchant Outlet, but the Card isnot 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)

Not used for Visa Card and Visa Electron

Cards.

51 Request for Account

Number Verification

without Authorization, or

request for AccountNumber 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 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.

POS Condition CodeField 25 (Continued)








A-6915 May 2013

Authorization CodeField 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 I—General Rules, Section 6.2.A.1.a)



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 andTransactions 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


06 Error


indicates fraudulent use other than lost or

stolen Card. Refer to response codes 41 and

43.)

10 Partial Authorization

11 VIP (Very Important Person) approval


13 Invalid amount


15 No such Issuer

19 Re-enter request


fraudulent use.)










15 May 2013A-70

54 Authorization declined; Expired Card

55 Incorrect PIN


61 Withdrawal amount limit or activity amount

limit exceeded

62 Restricted Card

65 Activity count limit exceeded


77 Data contained in a repeat request or

Reversal message differs from original

request

81 Cryptographic Error



91 Service unavailable now


of law




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




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.For an International Original Credit money transfer this field must contain the

sender’s name

CVV/iCVV ResultsCode

Field 44.5


Transactions. A complete list of response codes may be found in the VisaNet

Manuals.

Value Description






Value Description





A-7115 May 2013

TransactionCurrency CodeField 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

CurrencyField 51

A three digit code that identifies the currency used by the Issuer to bill the

Cardholder’s account. Valid codes may be found in the VisaNet Manuals.

Additional POSInformationField 60

A field that provides additional information about conditions at the Point-of-

Transaction.

Position 1 - terminal type


0 Unspecified Indicates that the type of Point-of-

Transaction Terminal is not specified.

1 Effective until 14 October2011, terminal that

performs Cardholder-

Activated Transactions

(CAT) Type A

Effective from 15 October

2011, Transaction at an


Terminal that is below the

Floor Limit

Effective until 14 October 2011, indicatesan Unattended Acceptance Terminal that

performs a CAT Type A Transaction,

which has all of the following

characteristics:

• 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

2 Effective until 14 October

2011, terminal that


Activated 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

an Unattended Acceptance Terminal that

performs one of the following types of

Transactions:

• 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 Verificationperformed





15 May 2013A-72

• 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

4 Electronic cash register Indicates that a cash register is capable of

reading the Magnetic Stripe or Chip on

the Card.

7 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 theCardholder.

8 Reserved Do not use. Not a valid value.

Additional POSInformationField 60 (continued)

Position 2 - terminal entry capability


0 Unknown Indicates that the terminal capability

cannot be determined.

1 Terminal not used Indicates that a terminal was not used to

capture the Card data.

2 Magnetic-Stripe-read

capability

Indicates that a terminal can read the

Magnetic Stripe on the Card.

3 Barcode read capability Not used for Visa Cards and Visa Electron

Cards at this time.

4 OCR read capability Not used for Visa Cards and Visa Electron

Cards at this time.

5 Chip-capable terminal Indicates that a terminal can read the

Chip and the Magnetic Stripe on the

Card.

Additional POSInformationField 60(Continued)


Transaction.

Position 1 - terminal type (Continued)






A-7315 May 2013

8 Proximity read capability Indicates that a terminal can read the

proximity Chip on the Card.

Does not apply to Merchant proprietary

proximity devices.

9 Terminal does not have

the capability to read

Card data

Indicates that the terminal does not have

the capability to read the Chip or


Additional POSInformation

Field 60 (continued)

Position 9 and 10 - Mail/Phone Order Transaction or Electronic Commerce

Transaction Indicators


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 attemptedCardholder

authentication using 3-D

Secure




Cardholder using 3-D Secure, but was

unable to complete the Authenticationbecause the Cardholder or the Issuer

does not participate in the 3-D Secure

program.


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 Non-Secure Transaction Identifies an Electronic Commerce

Transaction that has no data protection.

(This value is not valid for Visa EuropeTransactions.)

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.

(This value is not valid for Visa Europe

Transactions or Transactions that

originate in the U.S.A.)


For Original Credit money transfer message requirements, see the Original CreditsMember Requirements manual.

Additional POSInformationField 60 (continued)

Position 2 - terminal entry capability (Continued)






15 May 2013A-74

Visa Private-UseField, VSECSubfields Field 126



Value Description

Subfield 126.6 Cardholder Certificate serial number

Subfield 126.7 Merchant Certificate serial number

Subfield 126.8 Transaction ID (XID)

Subfield 126.9 Cardholder Authentication Verification

Value (CAVV)

Subfield 126.13 R Recurring Payment Indicator



AUTHORIZATION Exhibit 3C


A-7515 May 2013

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.


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





Positions 1 and 2

Value Description



02 Adjustment—Debit

03 Check Guarantee Transaction

10 Account Funding Transaction—Debit

11 Quasi-Cash /Online Gambling Transaction

19 Fee Collection—Debit

20 Return (of goods)—Credit

22 Adjustment—Credit

28 Prepaid Activation and Load

29 Funds Disbursement—Credit






15 May 2013A-76

30 Balance Inquiry



Positions 3 and 4

Value Description


10 Savings Account

20 Checking Account



Number)


Positions 5 and 6

Value Description

00 Not applicable

10 Savings Account

20 Checking Account



Number)




Examples:

€73.49 = 000000007349

£4,962.50 = 000000496250

Settlement AmountField 5

The Transaction Amount in the Settlement Currency.

Cardholder BillingAmountField 6

The Transaction Amount in the Cardholder billing currency.




Example:

October 9 at 9:38.06 AM = 1009093806

Processing CodeField 3 (Continued)



Positions 1 and 2 (Continued)

Value Description





A-7715 May 2013

Systems Trace AuditNumberField 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 DateField 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 DateField 15

The date when the Transaction is settled.

Merchant TypeField 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.




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

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





15 May 2013A-78


Position 3

Value Description

0 Unknown

1 Terminal can accept and capture PINs

2 Terminal cannot accept or capture PINs

8 PIN pad inoperative

9 Reserved for future use


Position 4

Value Description

0 Unused

POS Condition Code

Field 25A 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 Unattended Acceptance Terminal

03 Merchant suspicious of Transaction or Card

05 Cardholder present; Card not present

06 Preauthorization Request

08 Mail/Phone Order Transaction

(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)




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.





A-7915 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


06 Error

07 Pick up Card; special condition (Responseindicates fraudulent use other than lost or

stolen Card. Refer to response codes 41 and

43)

10 Partial Approval

11 Approval; VIP (Very Important Person)


13 Invalid amount


15 No such Issuer

19 Re-enter request

39 No credit account


fraudulent use.)






54 Expired Card

55 Incorrect PIN


61 Exceeds approval amount limit (activity

amount limit exceeded)

62 Restricted Card

65 Withdrawal frequency limit exceeded

(activity count limit exceeded)






15 May 2013A-80

81 Cryptographic error


85 No reason to decline a request for address

verification or CVV2 verification


91 Service unavailable

92 Routing not successful


of law


Y1 Offline Approved

Y3 Unable to go online (offline approved)


Card AcceptorTerminalIdentificationField 41

A code that identifies a terminal or an ATM at the Card acceptor location.

Card Acceptor

Identification CodeField 42







Merchant, ATM, Branch). For an International Original Credit money transfer this

field must contain the sender’s name.

CardholderAuthenticationVerification ValueResults CodeField 44.13

A code that identifies the outcome of Cardholder Authentication Verification Value

validation for 3-D Secure Transactions.


Field 44.5


Transactions. A complete list of response codes may be found in the Visa Europe

System Manuals.

Value Description






Value Description





A-8115 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 8 Eight-digit code in the format

“YYYYMMDD”.

NOTE: 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 recipient’s

Account Number (no

spaces).

• Card to card payments:

Up to 10 characters of the

recipient’s 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

6 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 6 First six characters of the

recipient’s 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 bepopulated with an asterisk (*).


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.

SettlementCurrency CodeField 50

A three digit numeric code that identifies the Settlement Currency.

Cardholder BillingCurrency CodeField 51

A three digit numeric code that identifies the currency used by the Issuer to bill the

Cardholder’s account.





15 May 2013A-82


Positions 9 and 10 are the Electronic Commerce Transaction Indicators. The values

are:

Value Description

00 Not applicable

01 Single Transaction of a Mail/Phone Order

Transaction

03 Instalment Transaction

04 Unknown








09 For optional Visa Europe use only

NetworkIdentification CodeField 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 ReasonCodeField 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.



Value Description

Space POS Customer Present (POS Check Service

Only)

1 Single Transaction of a mail/phone order

2 Recurring Transaction

3 Instalment payment

4 Unknown classification/Other mail order










A-8315 May 2013



ReimbursementAttributeField 63.11

A code that identifies the applicable Interchange Reimbursement Fee for a

Transaction.

Original DataElementsField 90

Information used to link the current message back to prior messages relating to the

same Transaction.

Transaction-SpecificDataField 104



Visa Inc./EuropePrivate-Use Field,VSEC Subfields Field126



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)

Mail/Telephone orElectronicCommerce IndicatorField 63.6(Continued)


Value Description



AUTHORIZATION Exhibit 3D


15 May 2013A-84

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.


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





applicable, the type of account affected (positions 3 and 4).

Positions 1 and 2

Value Description



11 Quasi-Cash/Online Gambling Transaction

26 Original Credit

28 Prepaid Load

30 Balance Inquiry


70 PIN Change/Unblock






A-8515 May 2013


Positions 3 and 4

Value Description


10 Savings Account

20 Checking Account



Number)


Positions 5 and 6

Value Description

00 Not applicable

10 Savings Account

20 Checking Account



Number)




Examples:

€73.49 = 000000007349

£4,962.50 = 000000496250




Example: October 9 at 9:38.06 AM = 1009093806

System Trace AuditNumberField 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.





15 May 2013A-86

Expiry DateField 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.

Merchant CategoryCode (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.


A three digit code identifying the country of the acquiring institution.





A-8715 May 2013


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 onlinePIN is included in the message.

Positions 1 and 2


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 iCVVchecking is possible


was obtained from the Chip on the Cardand that CVV or iCVV checking is

possible.


VSDC Chip rules


was obtained from the Chip on the Card

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



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 2013A-88


Position 3


0 Unknown Indicates that the online PIN capability of

the Point-of-Transaction Terminal cannotbe determined.

1 Terminal can accept

online PINs



online PIN.

2 Terminal cannot accept

online PINs


Terminal cannot accept and forward an

online PIN.

8 Terminal PIN pad is down Indicates that the Point-of-Transaction


online PIN, but cannot do so because the

PIN pad is not functioning.

9 Reserved for future use Not used for Transactions using a Visa



Position 4


0 Unused Not used for Transactions using a Visa


POS Condition CodeField 25




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 Cardholder not present Not used for Visa Card and Visa Electron

Card Transactions.

02 Unattended Acceptance

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.





A-8915 May 2013

05 Cardholder present; Card

not present

Indicates that the Cardholder is present

at the Merchant Outlet, but the Card isnot 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)

Not used for Visa Card and Visa Electron

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 notread the Magnetic Stripe on the Card

(Magnetic-Stripe read failure).

POS Condition CodeField 25 (Continued)








15 May 2013A-90

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 8 Eight-digit code in the format

“YYYYMMDD”.

NOTE: 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 recipient’s

Account Number (no

spaces).

• Card to card payments:

Up to 10 characters of the

recipient’s AccountNumber.

If the Account Number is

under 10 characters, the

remaining field locations

must be populated with

an asterisk (*).

Partial post code of

recipient account

6 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 6 First six characters of the

recipient’s 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 remainingfield locations must be

populated with an asterisk

(*).



Retrieval ReferenceNumber

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.





A-9115 May 2013

Authorization CodeField 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 I—General Rules,

Section 6.2.A.1.a)


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


06 Error


indicates fraudulent use other than lost or

stolen Card. Refer to Response codes 41 and

43.)

10 Partial Authorization

11 VIP (Very Important Person) approval


13 Invalid amount


15 No such Issuer

19 Re-enter request


fraudulent use.)










15 May 2013A-92

54 Authorization declined; Expired Card

55 Incorrect PIN


61 Withdrawal amount limit or activity amount

limit exceeded

62 Restricted Card

65 Activity count limit exceeded


77 Data contained in a repeat request or

Reversal message differs from original

request

81 Cryptographic Error



91 Service unavailable now


of law









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.For an International Original Credit money transfer this field must contain the

sender’s name


Field 44.5


Transactions. A complete list of response codes may be found in the Visa Europe

System Manuals.

Value Description





A two digit field indicating the Response to the Authorization Request. The values

for the Response code are:

Value Description





A-9315 May 2013


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

CurrencyField 51

A three digit code that identifies the currency used by the Issuer to bill the

Cardholder’s account. Valid codes may be found in the Visa Europe System Manuals.

Additional POSInformationField 60


Transaction.

Position 1 - terminal type


0 Unspecified Indicates that the type of Point-of-

Transaction Terminal is not specified.

1 Effective until 14 October2011, Terminal that



(CAT) Type A




Terminal that is below the

Floor Limit

Effective until 14 October 2011, Indicatesan Unattended Acceptance Terminal that

performs a CAT Type A Transaction,

which has all of the following

characteristics:

• 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


2011, Terminal that


Activated 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

an Unattended Acceptance Terminal that

performs one of the following types of

Transactions:

• 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 Verificationperformed





15 May 2013A-94

3 • 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

4 Electronic cash register Indicates that a cash register is capable of

reading the Magnetic Stripe or Chip on

the Card.

5 Home terminals, which

include personal

computers, personal

digital assistants,

interactive televisions and

telephones

Used to identify a device that is owned by

the Cardholder.

7 Telephone device(including Visa Europe

dial terminals)

Identifies a stand-alone dial-up terminalused 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.

8 Reserved Do not use. Not a valid value.


Position 2 - terminal entry capability


0 Unknown Indicates that the terminal capability

cannot be determined.

1 Terminal not used Indicates that a terminal was not used to

capture the Card data.

2 Magnetic-Stripe-read

capability

Indicates that a terminal can read the




Transaction.

Position 1 - terminal type (Continued)






A-9515 May 2013

3 Barcode read capability Not used for Visa Cards and Visa Electron

Cards at this time.

4 OCR read capability Not used for Visa Cards and Visa Electron

Cards at this time.

5 Chip-capable terminal Indicates that a terminal can read the

Chip and the Magnetic Stripe on the

Card.

8 Proximity read capability Indicates that a terminal can read the

proximity Chip on the Card.

Does not apply to Merchant proprietary

proximity devices.

9 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


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 Recurring Transaction 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 Instalment Transaction Use to indicate a single purchase orgoods 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.


Position 2 - terminal entry capability (Continued)






15 May 2013A-96


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.


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 Non-Secure Transaction Identifies an Electronic Commerce

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.)

NetworkIdentification CodeField 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 Indicators (Continued)






A-9715 May 2013

Visa Private-UseField, VSECSubfields Field 126



Value Description

Subfield 126.6 Cardholder Certificate serial number

Subfield 126.7 Merchant Certificate serial number

Subfield 126.8 Transaction ID (XID)

Subfield 126.9 Cardholder Authentication Verification

Value (CAVV)

Subfield 126.13 R Recurring Payment Indicator



AUTHORIZATION Exhibit 3E


15 May 2013A-98

Exhibit 3E Certification of Special Authorization Representment Amount

Account Number:

To BIN:

Account Reference Number: Representment Amount:

Car Rental Merchant:Hotel Merchant:

NOTE:

From BIN: Estimated Input Date:

Cardholder Name:


Rental Date:Check-in Date:

Return Date:Check-out Date:

Rental Rate:Room Rate:

Intended Length of Rental:Intended Length of Stay:

Estimated Transaction Amount: Estimated Transaction Amount:

Transaction Amount: Transaction Amount:

The Merchant's Guest Folio and/or Transaction Receipt, or Substitute Transaction Receipt as appropriate, mustsubstantiate this information.

AUTHORIZATIONS OBTAINED

Date AmountIsssuer's

AuthorizationCode

Date AmountIsssuer's

AuthorizationCode

CALCULATION OF THE REPRESENTMENT AMOUNT

Above-Floor Limit Transactions

Sum of Amounts Authorized:

15% of the Sum of Amounts Authorized:

Totals Allowed:

Transaction Amount:

Representment Amount:

NOTE: The Representment amount must not exceed the Transaction Amount

Below-Floor Limit Transactions

Applicable Floor Limit:

Transaction Amount:

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 theMerchant'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).



BIN


A-9915 May 2013

BIN

Exhibit 4A BIN License Agreement Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 100

Exhibit 4A BIN License Agreement Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 104

Exhibit 4B Change of BIN Licensee / User Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 108

Exhibit 4B Change of BIN Licensee / User Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 110Exhibit 4D Member Portfolio Sale Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 112

Exhibit 4E Release of BIN Form — Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 113

Exhibit 4E Release of BIN Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 115

Exhibit 4F Visa Interchange Directory Update Form — Instructions . . . . . . . . . . . . . . . . A - 117

Exhibit 4F Visa Interchange Directory Update Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 121

Exhibit 4G Global Customer Assistance Services (GCAS) Card Issuer

Information Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 127

Exhibit 4I Stand-In Emergency Services Processing Form . . . . . . . . . . . . . . . . . . . . . . . . .A - 128

Exhibit 4J Emergency Service Location Form VISA 911 . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 129



BIN Exhibit 4A


15 May 2013A-100

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:

[email protected]

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 accountrange 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

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.



BIN Exhibit 4A


A-10115 May 2013

2. Applicant Data

3. Modify Existing BIN or Existing Account Range

4. Establish Shared Relationships

5. Centralised Card Issuance of Visa Corporate Cards and Visa Purchasing Cards to

Multinational Companies

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 donot 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.

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 propercompletion and processing of the form. For example:

• From Credit to Debit

• From Classic to Gold

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 theCard 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.

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.



BIN Exhibit 4A


15 May 2013A-102

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 theTransactions 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 RELOADABLEGICONSUMER 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

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.



BIN Exhibit 4A


A-10315 May 2013

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

Acceptance Marks A Card may bear multiple Licensed Marks, as specified in Visa Europe

Operating Regulations, Volume I—General 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

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.



BIN Exhibit 4A


15 May 2013A-104

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

2. APPLICANT DATA (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.)

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:

Postal Code:

State/ Province:

Country:

NOTE: If the country of use di ffers from the legal location country, and the BIN is being used for Centralized Card Issuance of Visa Corporate Cards andVisa Purchasing Cards to Multinational Companies, you must complete section 5 of this form:CENTRALIZED CARD ISSUANCE OF VISA CORPORATECARDS AND VISA PURCHASING CARDS TO MULTINATIONAL COMPANIES.

3. MODIFY EXISTING BIN OR EXISTING ACCOUNT RANGE

BIN:

Account Range Number Low:

Effective Date of Change:

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.

Business ID



BIN Exhibit 4A


A-10515 May 2013

BIN License Agreement Form (Continued)

4. ESTABLISH SHARED USE

BIN:

User Business ID:

Licensee Business ID:

NOTE: BIN licensee must approve the shared relationship in the DECLARATION section of this form.

Low:Issuing Account Range #

High:

Acquiring

5. CENTRALIZED CARD ISSUANCE OF VISA CORPORATE CARDS AND VISA PURCHASING CARDS TOMULTINATIONAL COMPANIES

BIN:

Licensee Business ID:

NOTE: BIN licensee must approve the cross-border relationship in theDECLARATION section of this form.

Low:Issuing Account Range #

High:

Country of Use:

Billing Currency:

6. BIN USAGE

Country of Issuance:

Issuing

Program (Access Type):

Credit (attracts credit interchange rate) Debit

Deferred (attracts credit interchange rate) (VE only)

Immediate (attracts debit interchange rate) (VE only)

Prepaid - always immediate debit

Prepaid category (required)

Other (specify)

Visa Product:To request multiple products on the same BIN, complete a copy of this section BIN USAGE for each product and indicate the accountrange.

List the Account Range #: Low:

High:

Consumer: Commercial:

GoldClassic

Platinum

Infinite

V PAY(immediate debit only)

Electron

Business Corporate Purchasing

Silver

Electron

Gold

Platinum

Silver

Gold

Platinum



BIN Exhibit 4A


15 May 2013A-106


Unembossed Visa Card with Online Authorization Service Code (X2X)

Embossed 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)

Issuing (continued)

Visa Brand Mark Product Extension (not applicable for Electron or V PAY):

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

Domestic use only

Valid in all countries

Other (specify)

Other (specify)

Affinity/Co-brand Programs: - please also refer to the Visa Europe co-brand forms for individual partner agreements.

Account Range # Low:

High:

Co-brand Program Name:

Affinity Program Name:

Card Account Length:

19-digit

16-digit Other

Acquiring

POS

Merchant ATM (PLUS)

International Airline Program

Cash Disbursement (only)

Centre Information Block (CIB)

Processes Clearing and Settlement Process Authorizations

Other (specify)

Processing

Other

Proprietary ATM

Private Label

Other Usage(Cannot be combined with any other usage; must have unique BIN)



BIN Exhibit 4A


A-10715 May 2013


7. DECLARATION

In signing this agreement, we acknowledge and accept full responsibility for any and all activities associated with the use of this BINand warrant its usage in conformance with the Visa Inc Operating Regulations for Customers of Visa Inc and Visa Europe OperatingRegulations for Members of Visa Europe.

Name of Authorised Signatory:

Signature:

(Print or type) (Must be an officer of the institution)

Date of Request:

E-mail Address:Telephone Number:

Signature:

Counter-signature (if applicable):

This section must be completed if a Group Member, sponsoring Principal Member or shared BIN licensee has a formal relationship withthe applicant. Please specify your institution's relationship to the applicant:

Please send the completed form to: [email protected]


Date:

Analyst: Auditor:

Title:

BIN:

Title:

Date of Request:

E-mail Address: Telephone Number:

Legal Name:

Name of Authorised Signatory:

(Must be an officer of the institution)(Print or type)

Group Member

shared BIN licensee

sponsoring Principal Member



BIN Exhibit 4B


15 May 2013A-108

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.

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).

Confirmation of BIN/Account Range Release

Check the one box which best describes the transfer that is being requested by your institution.

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.

Business ID A unique eight digit identifier assigned to all Members by Visa Europe at thecorporation 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.

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.



BIN Exhibit 4B


A-10915 May 2013

2. Consent of BIN Licensee/Proposed BIN Licensee

3. Proposed BIN User Data

Confirmation of Proposed BIN User

Please return the completed original form to Visa Europe.

Business ID A unique eight digit identifier assigned by Visa Europe to all Members at the

corporation or charter level.


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.

Business ID A unique eight digit identifier assigned by Visa Europe to all Members at the



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.

Signature The signature must be the original signature of an officer of the institution

requesting the change. By signing this form, the institution accepts fullresponsibility and liability for all Transactions through the Account range.



BIN Exhibit 4B


15 May 2013A-110

Exhibit 4B Change of BIN Licensee / User Form

Please type or print this form in black ink.

Please check one:

We request that Visa Europe mark its records to reflect this change effective (DD/MM/YY)

BINs

Account Range(s)

(Please attach a separate sheet if necessary.)

- - - -

1. CURRENT BIN LICENSEE/CURRENT ACCOUNT RANGE USER

Licensee User (BIN sharing relationship or GroupMember user)

Business ID:

Legal Name of Current BIN Licensee/Account Range User:

Legal Address:

City: State/Province:


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 theundersigned BIN Licensee/user no longer requires the BIN(s)/Account Range(s) and requests that they be: (check one)

Transferred to the institution identified below

Returned to the BIN Licensee identified below

Transferred to the Proposed User identified in Section 3 of this Exihibit

a)

b)

c)

REASON CODE(S): (See instructions.)

Explanation:

Title:Name of Officer:

Date:Signature:

E-mail Address:Telephone Number:



BIN Exhibit 4B


A-11115 May 2013

Change of BIN Licensee / User Form (Continued)

2. CONSENT OF BIN LICENSEE/PROPOSED BIN LICENSEE

Click here if you are a subsidiary, affiliate or branch of a U.S. Member.

Business ID:

Legal Name of Proposed BIN Licensee:

City: State/Province:

Country:Postal Code:

CONFIRMATION OF ACCEPTANCEOur 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 Transactionsthrough the BIN(s) with the effective date listed above

Accept the transfer of the BIN/Account Range(s) to the proposed BIN User identified in Section 3

a)

b)c)

Accept the returned Account Range(s) stated above from the Account Range User and assume full responsiiblity

and liability for all Transactions through the BIN Account Range(s) with the effective date listed above


Signature: Date:

Telephone Number: E-mail Address:

Visa Europe Use Only: Date: Analyst: Auditor:

3. PROPOSED BIN USER DATAWith respect to the BIN(s)/Account Range(s) previously noted, the BIN Licensee hereby consents to the transfer of the AccountRange(s) to the proposed BIN User identified within this section.

Business ID:

Legal Name of Proposed BIN User:

Legal Address:

State/Province:City:


CONFIRMATION OF PROPOSED BIN USEROur 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.


Date:Signature:

E-mail address:Telephone Number:

4. THIS FORM CANNOT BE PROCESSED WITHOUT ORIGINAL AUTHORIZED SIGNATURESPlease send the completed form to Visa Europe.

Legal Address:



BIN Exhibit 4D


15 May 2013A-112

Exhibit 4D Member Portfolio Sale Notification

Selling Member's Registered Name:

Principal

Institution:

Phone Number:Contact Name:

Registered Address:

City, State/Province, Postal Code, Country:

Name of Holding Company Affiliation:

Associate ParticipantVisa Europe Membership class:

Purchasing Institution's Registered Name:

Principal

Registered Address:

City, State/Province, Postal Code, Country:

Associate ParticipantVisa Europe Membership class:

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)

Contact Title: Fax Number:

Update/Changes requested by:

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.

Note: Financial liability for Transactions processed under the BINs of the selling institution remain with the seller unless and until aproperly executed Change of BIN Licensee / User Instructions (Exhibit 4B) has been completed and acknowledged by Visa Europe.

Please send the completed form to Visa Europe.

Non-Member

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.

Business ID

Business ID



BIN Exhibit 4E


A-11315 May 2013

Exhibit 4E Release of BIN Form — Instructions

This form enables institutions to release BINs to Visa Europe, or to request cancellation of a previously-

requested 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 EuropeAuthorization 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 institution’s 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

1. BIN Licensee Data

2. Confirmation of Registered BIN Licensee

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.

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).

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.



BIN Exhibit 4E


15 May 2013A-114

3. Reversal of Previous Release

Please send the completed form to Visa Europe.

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.

Signature Check this box to reverse a previously submitted Release of BIN request.



BIN Exhibit 4E


A-11515 May 2013

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.

1. BIN LICENSEE DATA

Legal Name of BIN Licensee:

BINs

Business ID:

Legal Address:

City:

Postal Code:

State/Province:

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 reassignedto another Member. Each BIN is eligible for deletion from the Visa System six (6) calendar months after: the expiry date ofthe last Card issued on that BIN; all processing activity has ceased; and all acquiring activity has ceased. Visa Europemay, at its discretion, consider other evidence to indicate that all Cards issued on the BIN(s) have been withdrawn from themarket. Acceptance of this release will not result in the immediate deletion of the BIN(s) from the Visa System. Ourinstitution'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 andthe V.I.P. System resulting in the denial of all Cardholder Authorization Requests. This does not apply to the Visa EuropeClearing 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,

BIN was never used

Fraud Reporting, Bankruptcy Notification, Report Distribution, Exception File Storage, PIN VerificationService, or any other processing



BIN Exhibit 4E


15 May 2013A-116

Release of BIN Form (Continued)

Reason for Release of BIN:

Merger Government Intervention Portfolio Sale

None Voluntary Withdrawal

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 BINidentified 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:

Signature:

Telephone Number:

Date:

Title:

E-mail Address:

Group Member/BIN Licensee Signature:

(For shared or group relationship only)

Date:

Telephone Number:

Title:

E-mail Address:

FORM CANNOT BE PROCESSED WITHOUT ORIGINAL AUTHORIZED SIGNATURES.

Please send the orginal form to Visa Europe.


Date:

Analyst: Auditor:

Recall Date:

Withdrawal from the Market



BIN Exhibit 4F


A-11715 May 2013

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 Membershipdepartment 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 institution’s 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

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.



BIN Exhibit 4F


15 May 2013A-118

Authorization

Backroom Operations - Cardholder/Issuer Contacts

Time Zone This time zone will be used to define a Member’s standard time zone based

upon the actual location of the Member’s 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.

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-me’s” 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.

Copy/Original Contact Name, address, telephone, fax, email, telex number and answerback (if


Cardholder/Issuer-originated Retrieval Requests.

Chargeback Contact Name, address, telephone, fax, email, telex number and answerback (if


Cardholder/Issuer-originated Chargebacks.

Arbitration/ComplianceContact

Name, address, telephone, fax, email, telex number and answerback (ifappropriate) of the financial institution or service provider responsible for

Cardholder/Issuer-originated pre-Arbitration, Arbitration, pre-Compliance

and Compliance cases.

Good Faith Contact Name, address, telephone, fax, email, telex number and answerback (if


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, t ime 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.



BIN Exhibit 4F


A-11915 May 2013

Backroom Operations - Merchant/Acquiring

Fraud - Lost/Stolen

General Business Information

Copy/Original Contact Name, address, telephone, fax, email, telex number and answerback (if

appropriate) of financial institution or service provider responsible for

satisfying Merchant/Acquirer incoming Retrieval Requests.

Chargeback Contact Name, address, telephone, fax, email, telex number and answerback (if


Merchant/Acquirer-originated Representments.

Arbitration/Compliance

Contact

Name, address, telephone, fax, email, telex number and answerback (if


incoming or outgoing Merchant/Acquirer pre-Arbitration, Arbitration, pre-

Compliance and Compliance cases.

Good Faith Contact Name, address, telephone, fax, email, telex number and answerback (if


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/Acquirergood faith collection letters. Indicate whether the Merchant/Acquirer

institution will or will not administer a reciprocal policy with other Members.

Investigations Contact Name, address, telephone, fax, email, telex number and answerback (if


fraud investigations and fraud-related issues.

After-Hours Contact If available, an after-hours telephone number for fraud-related inquiries.

Fraud Operations Contact Name, address, telephone, fax, email, telex number and answerback (if


fraud operations (such as counterfeit claims, fraud charge-offs, fraud-relatedChargebacks, 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

Name, address, telephone, fax, email, telex number and answerback (if


processing rewards for recovered Cards.

Bank Contact Name, address, telephone, fax, email, telex number and answerback (if

appropriate) of the financial institution or service provider contact.

Law Enforcement Contact Name, address, telephone, fax, email, telex number and answerback (if

appropriate) of the law enforcement contact.

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 andAnswerback

Provide these numbers as an additional means for Members to contact each

other.



BIN Exhibit 4F


15 May 2013A-120

VID/Operations Manager

VID/Operations Manager 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 senior-

level 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 .



BIN Exhibit 4F


A-12115 May 2013

Exhibit 4F Visa Interchange Directory Update Form

AUTHORIZATION

Service Provider/Financial Institution:

BID#

BIN(s):

City, State/Country and Postal Code: GMT:

Institution Name:

Service Provider

Address:

City, State/Country and Postal Code:

Phone (toll-free): Email:

Telex:Phone (direct-dial):

Answerback:Facsimile:

Referral Phone Number




Name and Address Verification (AVS)




General Authorization Questions

Phone (direct-dial)Hours of Operation

M-F:Time Zone:

GMT:SAT:

SUN:

Closed:

SETTLEMENT/ACCOUNTING


Address:





Time Zone:Legal Address:

Business ID:



BIN Exhibit 4F


15 May 2013A-122

Visa Interchange Directory Update Form (Continued)

CARDHOLDER/ISSUER CONTACTS


Address:





Chargeback Contact


Address:





Arbitration/Compliance Contact


Address:





Good Faith Contact


Address:





Good Faith Policy

No older than months and/or no less than US $ Handling fee: US $ or %.

Yes NoReciprocal policy:

Copy/Original Contact



BIN Exhibit 4F


A-12315 May 2013


MERCHANT/ACQUIRER CONTACTS


Address:





Chargeback Contact


Address:





Copy/Original Contact

Arbitration/Compliance Contact


Address:





Good Faith Contact


Address:





Good Faith Policy

No older than months and/or no less than US $ Handling fee: US $ or %.

Yes NoReciprocal policy:



BIN Exhibit 4F


15 May 2013A-124


FRAUD - LOST/STOLEN


Address:





Investigations Contact

After Hour Contact Phone (direct dial):

Fraud Operations Contact


Address:





After Hour Contact Phone (direct dial):

Lost/Stolen Card Reports




After Hours Reports




Recovered Card/Reward AddressService Provider/Financial Institution:

Address:





Bank Contact


Address:







BIN Exhibit 4F


A-12515 May 2013


FRAUD - LOST/STOLEN


Address:





Law Enforcement Contact

General Business Information

Email: Telex:

Facsimile:Merchant Phone:

Answerback:

Cardholder Phone:: Facsimile:

Email: Telex: Answerback:

VID Issuing Credit Manager

Add Update Delete

Institution Name:

Mailing Address:

City:

Phone:

State/Country: Postal Code:

Facsimile:

VID Issuing Debit Manager

Add Update Delete

Institution Name:

Mailing Address:

City:

Phone:


Facsimile:

VID Acquiring Manager

Add Update Delete

Institution Name:

Mailing Address:

City:

Phone:


Facsimile:



BIN Exhibit 4F


15 May 2013A-126


MISCELLANEOUS COMMENTS

Officer Name (print): Officer Title:

Date:Officer Signature:

SUBMITTED BY

Email:Phone:

RETURN TO:

Please send the completed form to Visa Europe



BIN Exhibit 4G


A-12715 May 2013

Exhibit 4G Global Customer Assistance Services (GCAS) Card Issuer Information Form

ISSUER INFORMATION

Issuer Name: Visa Europe Issuer BIN:

Visa Europe Issuer BID:Live (Effective) Date: MM/DD/YY

Account Range:Co-Branded/Affinity Name(s):

EMERGENCY SERVICES CONTACT INFORMATION

Add information Change information Delete informationPlease print or type. Check one:

Mailing Address: Postal Code:

Country:City, State/Province:

CUSTOMER SERVICE CONTACT INFORMATION LOST/STOLEN CONTACT INFORMATION

For telephone and fax numbers, please indicate country code andarea code, if applicable.


Company Name: Company Name:

Business Hours of Operation:Business Hours of Operation:

Telephone:

CorporateClassicBusiness PlatinumGold/Premier Visa Electron Credit

SignaturePurchasngInfinite DebitBusiness PlatinumBusines Electron

Telephone:

Fax:Fax:

Contact (Title or Dept): Contact (Title or Dept):

After-hours Contact InformationAfter-hours Contact Information

Telephone: Telephone:

Fax:Fax:

Contact (Title or Dept):

YesGCAS Participant: No If yes, please complete below. YesCollect calls accepted? No

Emergency Card Authorization Emergency Cash Authorization



Company Name: Company Name:

Business Hours of Operation:Business Hours of Operation:


Fax:Fax:


After-hours Contact InformationAfter-hours Contact Information


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):.

Telephone Number:Form Completed by (Name):

Please Forward Completed Form To:The Visa Global Customer Care Services, Attention: GCCS Data Management

Two Corporate Center, PO BOX 026098, Miami, FL 33102-6099Email your inquiries and completed forms to: [email protected]. Or, fax to +1 303 967 1004

For additional information, call +1 303 967 1096

Contact (Title or Dept):



BIN Exhibit 4I


15 May 2013A-128

Exhibit 4I Stand-In Emergency Services Processing Form

ACCOUNT INFORMATION

Co-Branded/Affinity Name(s):

FOR GCCS USE ONLY

Date Form Received:

The following active accounts are provided for Stand-in Processing:

Account Number 1: Expiry Date: Product Type:

Please use a separate attachment if additional accounts are required.

MEMBER INFORMATION

Member Name:





BID:

First (8) Digits of Account Number:

BIN:

Address:

Telephone Number :Name of Person Completing Form:

Date Form Submitted:Signature:

RETURN INFORMATION

Please send the completed form via certified mail to:

The Visa Global Customer Care Services Attention: GCAS STIPTwo Corporate Center1004 NW 65th AvenueMiami, FL 33126 USA

Please print or type.



BIN


A-12915 May 2013

Exhibit 4J Emergency Service Location Form VISA 911

ISSUER INFORMATION

Issuer Name: Visa Issuer BIN(s):

Address

Telephone Number:City/Country

Add information Change information Delete information

Effective Date:

Postal Code:

Please indicate:

The Visa Global Customer Care Services, Attention: GCCS Data ManagementTwo Corporate Center, PO BOX 026098, Miami, FL 33102-6099

Email your inquiries and completed forms to: [email protected]. Or, fax to +1 303 967 1004For additional information, call +1 303 967 1096

PARTICIPATION LOCATION INFORMATION

Main Office

Branch Office

(Please attach a list of all participating branch offices.)

Effective Date:

Service Location (Bank Name)

Actual Street Address (Do not include post office box information):

City: State/Province (if applicable):

Country:

Contact (Name and/or Title):

PARTICIPATING LOCATION COMMUNICATIONS

Indicate "1" or "2" in the boxes to show the most expeditious means of contact Direct to Location Via Head Office

HEAD OFFICE INFORMATION LOCATION INFORMATION

For telephone and fax numbers, please indicate country code andarea code, if applicable. Please indicate the telex answer-back, if applicable.

For telephone and fax numbers, please indicate country code andarea code, if applicable. Please indicate the telex answer-back, if applicable.

Telephone:

Fax:

Telex:

Telephone:

Fax:

Telex:

HOURS OF OPERATION

Hours of Operation (Using a 24-hour clock, indicate the opening and closing hours for each day of the week)

LOCATION HOURS OF OPERATIONHEAD OFFICE HOURS OF OPERATION

Sunday: -

Monday: -

Tuesday: -

Wednesday: -

Thursday: -

Friday: -

Saturday: -

Sunday: -

Monday: -

Tuesday: -

Wednesday: -

Thursday: -

Friday: -

Saturday: -

Include extra hours or special closings, such as holidays and any other pertinent information.

Wheelchair Accessible?

SPECIAL COMMENTS

Yes No

RETURN INFORMATION



LICENSE/AGREEMENT


15 May 2013A-130

LICENSE/AGREEMENT

Exhibit 5A Visa System Letter of Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 131

Exhibit 5B Licensed Software and Designated Computers . . . . . . . . . . . . . . . . . . . . . . . . .A - 132



LICENSE/AGREEMENT Exhibit 5A


A-13115 May 2013

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 ofMembers 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 ofutilisation 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:



LICENSE/AGREEMENT Exhibit 5B


15 May 2013A-132

Exhibit 5B Licensed Software and Designated Computers

Licensed Software Machine-Readable Code

Provided

Designated Computer

Object Only Object andSource

Visa Resolve Online (VROL)



TRANSACTION RECEIPTS


A-13315 May 2013

TRANSACTION RECEIPTS

Exhibit 7A 80-Column Cash Disbursement Transaction Receipt . . . . . . . . . . . . . . . . . . .A - 134

Exhibit 7I Electronic Transaction Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 135

Exhibit 7J Manual Transaction Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 138

Exhibit 7K Electronic Commerce Transaction Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 142



TRANSACTION RECEIPTS Exhibit 7A


15 May 2013A-134

Exhibit 7A 80-Column Cash Disbursement Transaction Receipt

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.

X

TRANSACTION CONFIRMED AND DRAFT ACCEPTED

DATE AUTHORIZATION CODE

TOTAL

CARDHOLDER’S SIGNATURE

X



TOTAL


X

RETAIN THIS COPY FOR STATEMENT VERIFICATION



CASH DISBURSEMENT

DRAFT

BRANCH OR MEMBER NO. TELLER PRINTED DIGITS

CITY STATE

IDENTIFICATION

CARDHOLDER’S STREET ADDRESS

AMOUNT

TOTAL

M E M B E R

C O P Y

C A R D H O L D E R

C O P Y

M E R C H A N T C O P Y


NOTE: A fee or set-up charge may be added to the

Cardholder’s account by the Card Issuer subject to the

terms of the Issuer’s agreement with the Cardholder.

Cardholder

acknowledges receipt of

Cardholder

acknowledges receipt of

Cardholderacknowledges receipt of



TRANSACTION RECEIPTS Exhibit 7I


A-13515 May 2013

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 I—General 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 I—General Rules, Section 4.5.C)

Type of account accessed

Transaction Date

Authorization Code

Transaction type (Cash Disbursement)



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)





15 May 2013A-136

Table A-39 Data Requirements: Small Ticket Transaction Receipt1

1. Effective from 1 January 2013, these are also the data requirements for the Cardholder’s copy of the Transaction Receipt

that is made available to the Cardholder using electronic means, as specified in Section 5.2.A.5.


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

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 I—General 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 CreditTransaction Receipt for Visa Europe Transactions


Merchant name











A-13715 May 2013


Transaction type (purchase or credit)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


Transaction Amount (or credit), indicated in Transaction CurrencyTransaction 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 I—General 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”.

Table A-41 Data Requirements: Face-to-Face or Semi-Attended Electronic Purchase or Credit

Transaction Receipt for Visa Europe Transactions (Continued)




TRANSACTION RECEIPTS Exhibit 7J


15 May 2013A-138

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 signatureAuthorization Code, if applicable

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 Cardholder signature

Space for guest check-in date

Space for guest check-out date

Space for room rate

Space for salesperson’s initials

Authorization dates, amounts and approval codes (if applicable)





A-13915 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


Space for Cardholder signature


Guest check-in date

Guest check-out date

Room rate and salesperson’s 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 2013A-140

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 Cardholder’s 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-14115 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



TRANSACTION RECEIPTS Exhibit 7K


15 May 2013A-142

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

1. See Visa Europe Operating Regulations, Volume I—General Rules, Section 5.2.B.4, Section 5.2.B.5 and Section 5.2.B.6 for

additional data requirements.

Merchant name2, 3

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.

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)



EMV LIABILITY SHIFT


A-14315 May 2013

EMV LIABILITY SHIFT

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

Exhibit 8B Visa Europe EMV Liability Shift Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 146



EMV LIABILITY SHIFT Exhibit 8A


15 May 2013A-144

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 typesand circumstances.





EMV LIABILITY SHIFT Exhibit 8B


15 May 2013A-146

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

1. Any Transaction undertaken for values over the Ceiling Limit is at Acquirer risk

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


Issuer Issuer Issuer Issuer Issuer Acquirer

Chip Type B (online

capable)

Floor Limit €402


2. Any unauthorized Transaction undertaken for values over the Floor Limit is at Acquirer risk

Issuer Issuer Issuer Issuer Issuer Acquirer

Chip Type C

Floor Limit €0 as

POS2

Ceiling Limit N/A

Issuer Issuer Issuer Issuer Issuer Issuer



PROXIMITY PAYMENTS


A-14715 May 2013

PROXIMITY PAYMENTS

Exhibit 9A Visa Contactless Payment Specification Data Field Descriptions . . . . . . . . A - 148

Exhibit 9B Visa Mobile Contactless Payment Specification Data Field Descriptions . .A - 149



PROXIMITY PAYMENTS Exhibit 9A


15 May 2013A-148

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 I—General 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

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.



PROXIMITY PAYMENTS Exhibit 9B


A-14915 May 2013

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 I—General 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

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.







B-115 May 2013

Merchant Data Standards

This appendix contains Merchant Category Codes, Floor Limit category codes, required Merchantname 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 Merchant’s 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 codefor 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 beassigned 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 Cardholder’s room. If payment is made separately with a V PAY Card at the Point-

of-Transaction, the Acquirer must use the appropriate retail Merchant Category Code (such as 5947

for gift shops or 5812 for restaurants).





15 May 2013B-2

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 arerequired.

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-315 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 Valid Merchant Category Codes (MCC) for Small Ticket Transactions that are Chip-

initiated 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 Stores—Convenience 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 Services—Family 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





15 May 2013B-4

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 Merchant’s Merchant

Category Code. The Floor Limit categories are included for informational purposes only.

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:

Table B-2 Floor Limit Category Codes

Merchant Category Code Floor Limit Category Code

Airlines A

Railroads B

Car Rental Companies C

Hotels D

Special Hotels E

Restaurants F

Special Restaurants G

Travel Agencies H

All other Merchants I

Mail Order/Telephone Order J

Automated Dispensing Machines and Self Service Terminals K

Cash Disbursements—Members L

Cash Disbursements (Processed as specified in Visa Europe Operating

Regulations, Volume I—General Rules, Section 5.4.U)

M

Travelers cheques or Foreign Currency (Processed as a Cash Disbursement) N

Quasi-Cash Transactions O

Hospitals P

1 International Airline Program Participant

* Effective 15 April 2011

** Effective 14 October 2011





B-515 May 2013

Table B-3 Merchant Data Standards, Listed in Alphabetical Order by Merchant Type

Merchant Type Required Abbreviation Floor Limit

Category

Code

MCC

A

Accounting Services I 8931

Advertising Services I 7311

Agricultural Co-operatives I 0763

Air Conditioning Contractors—Sales and

Installation

I 1711

Air Conditioning Repair Shops I 7623

Airlines and Air Carriers, Not Listed

Elsewhere

A 4511

ADRIA AIRWAYS1 ADRIA AIR A 3064

AER LINGUS1 AER LINGUS A 3043

AERO COACH AVIATION AEROCOACH AV A 3287

AEROCONTINENTE1 AEROCONTINEN A 3167

AEROFLOT1 AEROFLOT A 3011

AEROLINEAS ARGENTINAS1 AERO ARGENT A 3030

AEROLINEAS NICARAGUENSIS1 AERONICARAG A 3286

AEROMEXICO1 AEROMEXICO A 3076

AEROPERU1 AEROPERU A 3285

AERO SERVICO CARABOBO ASC AIRLINE A 3263

AERO VIRGIN ISLANDS AERVIRGINIS A 3284

AIR AFRIQUE1 AIR AFRIQUE A 3083

AIR ALGERIE1 AIR ALGERIE A 3021

AIR ARABIA AIRARABIAAIR A 3236

AIR ASTANA AIR ASTANA A 3068

AIR BERLIN AIR BERLIN A 3296

AIR BRITISH COLUMBIA1 AIR BC A 3071

AIR CANADA1 AIR CANADA A 3009

AIR CHINA

1

AIR CHINA A 3261AIR DJIBOUTI1 AIR DJIBOUTI A 3282

AIR FRANCE1 AIR FRANCE A 3007

AIR JAMAICA1 AIR JAMAICA A 3280

AIR LANKA1 AIR LANKA A 3044

AIR LITTORAL S.A. AIRLITTORAL A 3148

AIR MALTA1 AIR MALTA A 3028

AIR MAURITIUS1 AIRMAURITIUS A 3298

AIR NEW ZEALAND1 AIR NZ A 3025

AIR PANAMA1 AIR PANAMA A 3267

AIR SEYCHELLES1 AIR SEYCH A 3266





15 May 2013B-6

AIR ZAIRE1 AIR ZAIRE A 3151

AIR ZIMBABWE1 AIR ZIMBABWE A 3096

AIR-INDIA1 AIR-INDIA A 3020

AIRINTER1 AIRINTER A 3065

AIRTRAN AIRTRANAIR A 3177

ALASKA AIRLINES1 ALASKA AIR A 3256

ALITALIA1 ALITALIA A 3013

ALL NIPPON AIRWAYS1 A.N.A. AIR A 3161

ALM1 ALM AIRLINE A 3252

ALOHA AIRLINES ALOHA AIR A 3251

AMERICAN AIRLINES1 AMERICAN AIR A 3001

AMERICAN TRANS AIR ATA AIR A 3259

ANSETT AIRLINES ANSETT AIR A 3033

ASIANA AIRLINES1 ASIANA AIR A 3098

AUSTRIAN AIR SERVICE1 AUST AIRSERV A 3243

AUSTRIAN AIRLINES1 AUSTRIAN AIR A 3051

AVENSA1 AVENSA AIR A 3242

AVIACO (SPAIN) AVIACO AIR A 3053

AVIANCA1

AVIANCA A 3039

AVIATECA (GUATEMALA)1 AVIATECA AIR A 3241

BAHAMASAIR1 BAHAMASAIR A 3240

BALKAN-BULGARIAN AIRLINES1 BALKAN AIR A 3041

BAR HARBOR AIRLINES BARHARBORAIR A 3239

BEMIDJI AIRLINES BEMIDJI AIR A 3238

BRAATHENS S.A.F.E. (NORWAY)1 BRAATHENS A 3106

BRITISH AIRWAYS1 BRITISH AWYS A 3005

BRITISH MIDLAND1 BRIT MIDLAND A 3111

BROCKWAY AIR BROCKWAY AIR A 3235

BWIA1 BWIA AIRLINE renamed

CARRIBEAN AIR

A 3234

CANADIAN AIRLINES INTERNATIONAL1 CANADIAN AIR A 3171

CAPITOL AIR CAPITOL AIR A 3233

CARNIVAL AIRLINES CARNIVAL AIR A 3086

CARRIBEAN AIRLINES1 CARIBBEAN AIR formerly BWIA

AIRLINE

A 3234

CATHAY PACIFIC1 CATHAYPACAIR A 3099

CAYMAN AIRWAYS1

CAYMANAIR A 3228

CEBU PACIFIC AIRLINES1 CEBU_PAC A 3072

Table B-3 Merchant Data Standards, Listed in Alphabetical Order by Merchant Type (Continued)


Category

Code

MCC





B-715 May 2013

CHINA AIRLINES1 CHINA AIRLINE A 3078

CHINA EASTERN AIRLINES CHINEASTAIR A 3206

COMAIR COMAIR A 3223

COMMAND AIRWAYS COMMAND AIR A 3222

COMPANIA FAUCETT1 COMP FAU AIR A 3220

CONTINENTAL1 CONTINENTAL A 3061

COPA1 COPA AIR A 3219

CROATIA AIRLINES1 CROATIA AIR A 3088

CROWN AIR CROWN AIR A 3218

CRUZEIRO DO SUL (BRAZIL)1 CRUZEIRO AIR A 3046

CSA1 CSA AIRLINE A 3217

CUMBERLAND AIRLINES CUMBERLNDAIR A 3216

CYPRUS AIRWAYS1 CYPRUS AIR A 3292

DAN AIR SERVICES1 DAN AIR A 3215

DBA AIRLINES DBA AIR A 3059

DELTA1 DELTA AIR A 3058

DOMINICANA1 DOMINICANA A 3212

EASYJET1 EASY JET AIR A 3245

ECUATORIANA1

ECUATORIANA A 3293

EGYPTAIR1 EGYPTAIR A 3037

EL AL1 EL AL A 3032

EMIRATES AIRLINES1 EMIRATES A 3026

ETHIOPIAN AIRLINES1 ETHIOPIAN AIR A 3294

ETIHAD AIRWAYS ETIHADAIR A 3034

EUROFLY AIRLINES1 EURO FLY AIR A 3003

EVA AIRWAYS CORPORATION EVA AIR A 3084

FRONTIER AIRLINES FRONTIER AIR A 3132

FINNAIR1 FINNAIR A 3042

FREEDOM AIR FREEDOM AIR A 3204

GARUDA (INDONESIA) GARUDA AIR A 3103

GERMANWINGS GRMNWNGSAIR A 3019

GO FLY, LTD GOFLY A 3156

GOL AIRLINES GOL AIR A 3247

GOLDEN PACIFIC AIR GOLDPAC AIR A 3203

GULF AIR (BAHRAIN)1 GULF AIR A 3040

GUYANA AIRWAYS1 GUYANA AIR A 3200

HAPAG-LLOYD EXPRESS AIRLINES HLX AIR A 3062



Category

Code

MCC





15 May 2013B-8

HAVASU AIRLINES HAVASU AIR A 3197

HAWAIIAN AIR1 HAWAIIAN AIR A 3196

IBERIA1 IBERIA A 3102

ICELANDAIR1 ICELANDAIR A 3050

INDIAN AIRLINES1 INDIAN AIR A 3193

ISLAND AIRLINES ISLAND AIR A 3191

JAPAN AIRLINES1 JAL AIRLINE A 3006

JET AIR JET AIR A 3056

JET BLUE JETBLUE A 3174

JET STAR JETSTAR AIR A 3079

JUGOSLAV AIR1 JUGOSLAV AIR A 3190

KENYA AIRWAYS1 KENYA AIR A 3295

KLM (ROYAL DUTCH AIRLINES)1 KLM AIRLINE A 3010

KOREAN AIRLINES1 KOREAN AIR A 3082

KUWAIT AIRWAYS1 KUWAIT AIR A 3038

LAB (BOLIVIA)1 LAB AIR A 3055

LACSA (COSTA RICA)1 LACSA AIR A 3187

LADECO (CHILE)1 LADECO AIR A 3054

LAN AIRLINES1

LAN AIR (formerly LANCHILE) A 3052

LANCHILE1 LANCHILE (renamed LANAIR) A 3052

LAP (PARAGUAY)1 LAP AIR A 3186

LAV (VENEZUELA)1 LAV AIR A 3185

LIAT1 LIAT AIRLINE A 3184

LOT (POLAND)1 LOT AIR A 3182

LUFTHANSA1 LUFTHANSA A 3008

LUXAIR1 LUXAIR A 3146

MALAYSIAN AIRLINE SYSTEM1 MALAY AIR A 3100

MALEV1 MALEV AIR A 3181

MALMO AVIATION MALMO AIR A 3213

MESA AIR MESA AIR A 3178

METRO AIRLINES METRO AIR A 3087

METROFLIGHT AIRLINES METROFLT AIR A 3176

MEXICANA1 MEXICANA A 3023

MIDDLE EAST AIR MIDEAST AIR A 3175

MIDWEST EXPRESS AIRLINES1 MIDWEST EXP A 3085

MOUNT COOK MT COOK AIR A 3170

NATIONAIR NATIONAIR A 3172



Category

Code

MCC





B-915 May 2013

NEW YORK HELICOPTER NY HELI A 3165

NIGERIA AIRWAYS1 NIGERIA AIR A 3045

NORONTAIR NORONTAIR A 3164

NORTHWEST1 NWA AIR A 3060

NORWEGIAN AIR SHUTTLE1 NORWEGIANAIR A 3211

OLYMPIC AIRWAYS1 OLYMPIC AIR A 3031

OMAN AVIATION SERVICES OMANAIR A 3183

PAKISTAN INTERNATIONAL1 PAKISTAN AIR A 3024

PAN AMERICAN PAN AM AIR A 3002

PBA PBA AIRLINE A 3159

PHILIPPINE AIRLINES PHILIPP AIR A 3022

PRINCEVILLE PRINCVLLEAIR A 3154

QANTAS1 QANTAS AIR A 3012

QATAR AIRWAYS QATAR AIR A 3136

RENO AIR, INC. RENO AIR A 3262

ROYAL AIR MAROC1 AIR MAROC A 3048

RYANAIR1 RYANAIR A 3246

SAETA SOCIAEDAD ECUATORIANOS DE

TRANSPORTES AEREOS

SAETA AIR A 3229

SAHSA SERVICIO AEREO DE

HONDURAS

SAHSA AIR A 3231

SAN JUAN AIRLINES SAN JUAN AIR A 3145

SAS1 SAS A 3016

SAUDI ARABIAN AIRLINES SAUDIA AIR A 3014

SCENIC AIRLINES SCENIC AIR A 3143

SIMMONS AIRLINES SIMMONS AIR A 3138

SINGAPORE AIRLINES1 SINGAPOREAIR A 3075

SINGLETON SINGLETONAIR A 3137

SKYWAYS1 SKYWAYS AIR A 3226

SN BRUSSELS AIRLINES1 SNBRSSLSAIR A 3029

SOUTH AFRICAN AIRWAYS1 SAA AIRWAYS A 3017

SOUTHWEST SOUTHWESTAIR A 3066

SPANAIR SPANAIR A 3097

SPIRIT AIRWAYS1 SPIRIT AIR A 3260

SUDAN AIRWAYS1 SUDAN AIR A 3135

SUN WORLD INTERNATIONAL SUNWORLD AIR A 3130

SUNBELT AIRLINES SUNBELT AIR A 3133

SURINAM AIRWAYS1 SURINAM AIR A 3129



Category

Code

MCC





15 May 2013B-10

SWISS INTERNATIONAL AIRLINES1 SWISSINTAIR A 3015

TACA INTERNATIONAL1 TACA AIR A 3127

TALAIR TALAIR A 3126

TAM AIRLINES1 TAM AIR A 3248

TAN TAN AIR A 3125

TAP (PORTUGAL)1 TAP AIR A 3035

TAROM ROMANIAN AIR1 TRANSPORT TAROM AIR A 3297

THAI AIRWAYS1 THAI AIRWAYS A 3077

THY (TURKEY)1 THY AIRLINE A 3047

TOWER AIR TOWERAIR A 3115

TRANS WORLD AIRLINES1 TWA AIRLINE A 3004

TRANSAERO1 TRANSAERO A 3089

TRANSPORTES AEROS MILITARES

ECUATORIANOS

TAME AIRLINE A 3221

TUNIS AIR1 TUNIS AIR A 3049

UNI AIRWAYS CORPORATION UNIAIR A 3090

UNITED AIRLINES1 UNITED AIR A 3000

U.S. AIRWAYS1 USAIRWAYS A 3063

U.S. AIR SHUTTLE USAIRSHUTL A 3254

UTA/INTERAIR UTA AIRLINE A 3027

VALLEY AIRLINES VALLEY AIR A 3118

VANGUARD AIRLINES VANGUARD AIR A 3067

VARIG (BRAZIL)1 VARIG A 3018

VASP (BRAZIL)1 VASP AIRLINE A 3036

VIASA1 VIASA A 3117

VIRGIN AMERICA VIR AMER A 3057

VIRGIN ATLANTIC1 VIRGINATLAIR A 3144

VIRGIN EXPRESS1

VIRGINEXLAIR A 3188

VLM AIRLINES VLM AIRLINE A 3131

WIDEROE’S FLYVESELSKAP WIDEROES A 3299

WESTJET AITLINES WESTJETAIR A 3180

WINDWARD ISLAND WINDWRDISAIR A 3112

WINGS AIRWAYS WINGS AIR A 3110

ZAMBIA AIRWAYS1 ZAMBIA AIR A 3094

Airports, Airport Terminals I 4582

Alimony I 9211

Alterations and Mending, Tailors and

Seamstresses

I 5697



Category

Code

MCC





B-1115 May 2013

Ambulance Services I 4119

Amusement and Recreation Services I 7999

Amusement Parks I 7996

Antique Reproductions I 5937

Antique Shops—Sales, Repairs and

Restoration Services

I 5932

Apartments, Apartment Buildings I 7299

Apparel and Accessory

Shops—Miscellaneous

I 5699

Appliance Rentals I 7394

Appliance Repair Shops I 7629

Appliance Stores, Not Elsewhere

Classified

I 5722

Aquariums, Seaquariums, Dolphinariums I 7998

Architectural—Engineering and Surveying

Services

I 8911

Armoured Cars I 7393

Art and Graphics—Commercial I 7333

Art Dealers I 5971

Art Galleries I 5971Artist’s Supply Shops I 5970

Athletic Clubs—Memberships I 7997

Athletic Fields I 7941

Attorneys I 8111

Auditing Services I 8931

Automated Fuel Dispensers I 5542

Automobile Associations I 8675

Automobile Dealers (New and

Used)–Sales, Service, Repairs, Parts andLeasing

I 5511

Automobile Dealers (Used Only) I 5521

Automobile Parking Lots I 7523

Automotive, Aircraft and Farm Equipment

Dealers, Not Elsewhere Classified

I 5599

Automotive Body Repair Shops I 7531

Automotive Dealers I 5599

Automotive Paint Shops I 7535

Automotive Parts, Accessories Stores I 5533

Automotive Service Shops I 7538



Category

Code

MCC





15 May 2013B-12

Automotive Tyre Stores I 5532

Awning and Tent Shops I 5998

B

Bail and Bond Payments I 9223

Bakeries I 5462

Bands I 7929

Banks—Automated Cash Disbursements L 6011

Banks—Manual Cash Disbursements L 6010

Banks—Merchandise and Services I 6012

Barber Shops I 7230

Bars—Alcoholic Beverages I 5813

Beauty Shops I 7230

Beauty Spas I 7298

Beer Stores I 5921

Betting, including Lottery Tickets I 7995

Bicycle Shops—Sales and Service I 5940

Billiard and Pool Establishments I 7932

Blueprinting Services I 7338

Boat Dealers I 5551

Boat Rentals and Leases I 4457

Books, Periodicals and Newspapers I 5192

Book Stores I 5942

Bookkeeping Services I 8931

Botanical Gardens I 7999

Bowling Alleys I 7933

Boys’ Camps I 7032

Boys’ Clothing and Accessories Stores I 5611

Bridge Fees I 4784

Building Materials Stores I 5211

Bus Lines I 4131

Business Schools I 8244

Business Services, Not Elsewhere

Classified

I 7399

Buying/Shopping Services, Clubs I 7278

C

Cable and Other Pay Television I 4899

Camera and Photographic Supply Stores I 5946



Category

Code

MCC





B-1315 May 2013

Camp Grounds I 7033

Camper Dealers I 5561

Camps, Boys’ and Girls’ I 7032

Candy Stores I 5441

Car Rental Companies,

Not Listed Below

C 7512

ACCENT RENT-A-CAR C 3374

ACTION AUTO RENTAL C 3354

ADVANTAGE RENT-A-CAR C 3441

AFFILIATED AUTO RENTAL C 3351

AGENCY RENT-A-CAR C 3364

AIRWAYS RENT-A-CAR C 3361

AJAX RENT-A-CAR C 3376

ALAMO RENT-A-CAR C 3387

ALLSTATE RENT-A-CAR C 3421

ALTRA AUTO RENTAL C 3362

AMERICAN INTL RENT-A-CAR C 3352

ANSA INTL RENT-A-CAR C 3420

AUTOHANSA RENT-A-CAR C 3436

AUTO HOST CAR RENTALS C 3400

AUTOMATE RENT-A-CAR C 3425

AVCAR RENT-A-CAR C 3423

AVIS RENT-A-CAR C 3389

AVON RENT-A-CAR C 3427

A-1 RENT-A-CAR C 3412

BROOKS RENT-A-CAR C 3353

BUDGET RENT-A-CAR C 3366

CAREY RENT-A-CAR C 3428

CITE RENT-A-CAR C 3437

DOLLAR RENT-A-CAR C 3390

ECONO-CAR RENT-A-CAR C 3398

ENTERPRISE RENT-A-CAR C 3405

EUROP CAR C 3381

EUROPE BY CAR C 3391

GENERAL RENT-A-CAR C 3409

GODFREY NATL RENT-A-CAR C 3414

HERTZ C 3357



Category

Code

MCC





15 May 2013B-14

HOLIDAY RENT-A-CAR C 3368

INSURANCE RENT-A-CAR C 3429

INTERENT RENT-A-CAR C 3438

KEMWELL GROUP RENT-A-CAR C 3394

MAJOR RENT-A-CAR C 3430

MERCHANTS RENT-A-CAR C 3388

MILLEVILLE RENT-A-CAR C 3439

NATIONAL CAR RENTAL C 3393

PAYLESS CAR RENTAL C 3359

RENT-A-WRECK C 3370

REPLACEMENT RENT-A-CAR C 3431

RESERVE RENT-A-CAR C 3432

SHOWCASE RENTAL CARS C 3386

SIXT CAR RENTAL C 3355

SNAPPY CAR RENTAL C 3360

THRIFTY CAR RENTAL C 3395

TILDEN RENT-A-CAR C 3396

TRIANGLE RENT-A-CAR C 3380

TROPICAL RENT-A-CAR C 3385

UGLY DUCKLING RENT-A-CAR C 3433

USA RENT-A-CAR C 3434

VALUE RENT-A-CAR C 3435

Car Washes I 7542

Card Shops I 5947

Carnivals I 7996

Carpentry Contractors I 1750

Carpet Cleaning I 7217

Casino Gaming Chips I 7995

Caterers I 5811

Charitable Organisations I 8398

Chemicals and Allied Products, Not

Elsewhere Classified

I 5169

Child Care Services I 8351

Child Support I 9211

Children’s and Infants’ Wear Stores I 5641

Chiropodists I 8049

Chiropractics I 8041



Category

Code

MCC





B-1515 May 2013

Cigar Stores and Stands I 5993

Circuses I 7996

Civic Associations I 8641

Cleaning—Laundry and Garment Services I 7210

Cleaning and Maintenance, Janitorial

Services

I 7349

Clock Repair I 7631

Clock Stores I 5944

Clothing—Children’s and Infants’ I 5641

Clothing—Family I 5651

Clothing—Men’s and Boys’ I 5611

Clothing—Men’s and Women’s I 5691

Clothing—Miscellaneous I 5699

Clothing Rental—Costumes, Formal Wear,

Uniforms

I 7296

Clothing Repairs—Reweaving, Mending,

Alterations

I 5697

Clothing—Speciality Shops I 5631

Clothing—Sports, Riding Apparel I 5655

Clothing—Women’s Ready-To-Wear I 5621

Coal Dealers I 5983

Cocktail Lounges I 5813

Coin Stores I 5972

Colleges and Junior Colleges I 8220

Commercial Equipment, Not Elsewhere

Classified

I 5046

Commercial Footwear I 5139

Commercial Furniture I 5021

Commercial Photography, Art andGraphics

I 7333

Commercial Sports I 7941

Commuter Transportation I 4111

Computers, Computer Peripheral

Equipment, Software

I 5045

Computer Programming, Integrated

Systems Design and Data Processing

Services

I 7372

Computer Maintenance and Repair

Services, Not Elsewhere Classified

I 7379

Computer Network/Information Services I 4816



Category

Code

MCC





15 May 2013B-16

Computer Software Stores I 5734

Concrete Work Contractors I 1771

Confectionery Stores I 5441

Construction Materials, Not Elsewhere

Classified

I 5039

Consulting Services I 7392

Consumer Credit Reporting Agencies I 7321

Contractors—Residential Buildings I 1520

Contractors—Special Trade, Not


I 1799

Convalescent Homes I 8050

Convenience Food Stores I 5499

Correspondence Schools I 8241

Cosmetic Stores I 5977

Costume Rentals I 7296

Counselling Services—Debt, Marriage,

Personal

I 7277

Country Clubs—Memberships I 7997

Courier Services—Air or Ground I 4215

Court Costs I 9211

Craft Shops I 5970

Credit Reporting Agencies I 7321

Credit Unions—Automated Cash

Disbursements

L 6011

Credit Unions—Manual Cash

Disbursements

L 6010

Credit Unions—Merchandise and Services I 6012

Crematoriums I 7261

Cruise Lines I 4411D

Dairy Products Stores I 5451

Dance Halls, Studios and Schools I 7911

Data Processing Services I 7372

Dating Services I 7273

Day Care Services I 8351

Debt Counselling I 7277

Decorating—Contractors I 1799

Delicatessens I 5499

Delivery Services—Local I 4214



Category

Code

MCC





B-1715 May 2013

Demolition Services I 1799

Dental Laboratories I 8071

Dentists I 8021

Department Stores I 5311

Detective Agencies and Protective

Services

I 7393

Diaper Services I 7211

Direct Marketing—Catalogue Merchants J 5964

Direct Marketing—Combination

Catalogue and Retail Merchants

J 5965

Direct Marketing—Continuity/

Subscription MerchantsJ 5968

Direct Marketing—Inbound Teleservices

Merchants

J 5967

Direct Marketing—Outbound

Telemarketing Merchants

J 5966

Direct Marketing—Insurance Services J 5960

Direct Marketing—Direct Marketers, Not


J 5969

Direct Marketing—Travel-Related

Arrangement Services (Excluding TravelAgencies)

J 5962

Discotheques I 5813

Discount Stores I 5310

Disinfecting Services I 7342

Doctors, Not Elsewhere Classified I 8011

Door-to-Door Sales I 5963

Drapery, Window-covering and

Upholstery Stores

I 5714

Drugs, Drug Proprietaries and Druggist’s

Sundries

I 5122

Drug Stores I 5912

Dry Cleaners I 7216

Durable Goods, Not Elsewhere Classified I 5099

Duty Free Stores I 5309

DVD/Video Tape Rental Stores I 7841

E

Eating Places F 5812

Educational Services, Not Elsewhere

Classified

I 8299



Category

Code

MCC





15 May 2013B-18

Electrical Contractors I 1731

Electrical Parts and Equipment I 5065

Electrical Repair Shops I 7629

Electric Razor Stores—Sales and Service I 5997

Electric Utilities I 4900

Electronic Sales I 5732

Elementary Schools I 8211

Employment Agencies I 7361

Engineering, Architectural and Surveying

Services

I 8911

Entertainers I 7929

Equipment Rental and Leasing Services I 7394

Equipment Sales I 5712

Escort Services I 7273

Exterminating Services I 7342

Eyeglasses Stores I 8043

F

Fabric and Piece Goods Stores I 5949

Family Clothing Stores I 5651

Fast Food Restaurants F 5814

Fax Services I 4814

Ferries, Local Water Transportation I 4111

Financial Institutions—Automated Cash

Disbursements

L 6011

Financial Institutions—Manual Cash

Disbursements

L 6010

Financial Institutions—Merchandise and

Services

I 6012

Fines I 9222

Fire Departments I 9399

Fireplaces, Fireplace Screens and Fireplace

Accessories Stores

I 5718

Fireworks Stores I 5999

Floor Covering Stores I 5713

Florists I 5992

Florists’ Supplies, Nursery Stock and

Flowers

I 5193

Flying Fields I 4582

Food Stores—Speciality I 5499



Category

Code

MCC





B-1915 May 2013

Foreign Currency—Non-Financial

Institutions

O 6051

Formal Wear—Rentals I 7296

Fortune Tellers I 7996

Fraternal Associations I 8641

Freezer and Locker Meat Provisioners I 5422

Freight Carriers I 4214

Freight Forwarders I 4215

Fuel Oil Dealers I 5983

Funeral Services I 7261

Furniture Rentals I 7394

Furniture Repair and Furniture

Upholstering

I 7641

Furniture, Home Furnishings and

Equipment Stores, Except Appliances

I 5712

Furriers and Fur Shops I 5681

G

Games Instruction I 7999

Games Stores I 5945

Garden and Lawn SupplyStores—Nurseries

I 5261

Gasoline Service Stations I 5541

Gas Utilities I 4900

GCAS Emergency Services

(for Visa use only)

I 9702

General Contractors—Residential and

Commercial

I 1520

General Merchandise I 5399

Gift Shops I 5947

Girls’ Camps I 7032

Glass Stores I 5231

Glassware/Crystal Stores I 5950

Glasswork Contractors I 1799

Golf Courses—Memberships I 7997

Golf Courses—Public I 7992

Government Services, Not Elsewhere

Classified

I 9399

Graphics—Commercial I 7333



Category

Code

MCC





15 May 2013B-20

Gravestones/Monuments—

Sales and Installation

I 5999

Grocery Stores I 5411

Guard Dogs I 7393

H

Hardware Equipment and Supplies I 5072

Hardware Stores I 5251

Hat Cleaning Shops I 7251

Health Spas I 7298

Hearing Aids—Sales, Service and Supply

Stores

I 5975

Heating Contractors—Sales, Service and

Installation

I 1711

Hobby Shops I 5945

Home Furnishing Speciality

Stores—Miscellaneous

I 5719

Home Furnishings and Equipment, Except

Appliances

I 5712

Home Supply Warehouse Stores I 5200

Horticultural Services I 0780

Hospitals P 8062

Hotels and Lodging, Not Listed Elsewhere D 7011

ADAMS MARK HOTELS D 3681

ALADDIN RESORT AND CASINO D 3560

ALA MOANA HOTEL D 3788

ALOFT D 3619

AMELIA ISLAND PLANTATION D 3754

AMERICANA HOTELS D 3517

AMERICA’S BEST VALUE INN D 3617AMERICINN D 3614

AMERISUITES D 3514

AMFAC HOTELS D 3536

ANA HOTEL D 3537

ARABELLA HOTELS D 3511

ARCADE HOTELS D 3670

ARCTIA HOTELS D 3671

ARIA D 3824

ARIZONA BILTMORE D 3594

ATLANTIC CITY HILTON RESORTS D 3797



Category

Code

MCC





B-2115 May 2013

AUBERGE DES GOVERNEURS D 3549

AUTOGRAPH D 3826*

BALLY’S HOTEL AND CASINO D 3728

BARTON CREEK RESORT D 3556

BEAU RIVAGE HOTEL AND CASINO D 3764

BELLAGIO D 3765

BEST WESTERN HOTELS D 3502

BILTMORE HOTELS & SUITES D 3743

BINION’S HORSESHOE CLUB D 3620

BOCA RATON RESORT - MCC Retired D 3733

BRADBURY SUITES D 3683

BROADMOOR HOTEL D 3727

BUDGET HOST INNS D 3684

BUDGETEL INNS D 3685

BUFFALO BILL’S HOTEL AND CASINO D 3712

CAESAR’S HOTEL AND CASINO D 3771

CALIFORNIA HOTEL AND CASINO D 3582

CAMPANILE HOTELS D 3672

CANDLEWOOD SUITES D 3559

CAREFREE RESORTS D 3744

CANYON RANCH D 3757

CARIBE ROYALE D 3821

CARIBE ROYALE RESORTS D 3787

CARLTON HOTELS D 3716

CHATEAU ELAN WINERY AND RESORT D 3763

CIGA HOTELS D 3544

CIRCUS CIRCUS HOTEL AND CASINO D 3662

CITY LODGE HOTELS D 3717

CLARIDGE CASINO HOTEL D 3792

CLARION HOTELS D 3687

CLIMAT DE FRANCE HOTELS D 3677

CLUB MED D 3742

CLUBCORP/CLUBRESORTS D 3747

COAST HOTELS D 3552

COLORADO BELLE/ EDGEWATER

RESORT

D 3736

COMFORT INNS D 3562



Category

Code

MCC





15 May 2013B-22

COMPRI HOTELS D 3688

CONCORDE HOTELS D 3538

CONSORT HOTELS D 3689

COSMOPOLITAN OF LAS VEGAS D 3828**

COURTYARD BY MARRIOTT D 3690

CP HOTELS D 3529

CROWNE PLAZA HOTELS D 3750

CUMULUS HOTELS D 3678

CUNARD HOTELS D 3593

DAN HOTELS D 3629

DAYS INNS D 3510

DAYSTOP D 3510

DE VERE HOTELS D 3648

DELTA HOTEL D 3581

DILLON INNS D 3691

DISNEY RESORTS D 3780

DORAL GOLF RESORT D 3589

DORAL HOTELS D 3587

DORINT HOTELS D 3623

DOUBLETREE HOTELS

(Includes GUEST QUARTERS)

D 3692

DOWNTOWNER-PASSPORT HOTEL D 3527

DRURY INNS D 3693

DUNFEY HOTELS D 3525

ECONO LODGES D 3644

ECONOMY INNS OF AMERICA D 3694

ELDORADO HOTEL AND CASINO D 3669

ELEMENT D 3807

EMBASSY HOTELS D 3652

EMBASSY SUITES D 3695

EMBASSY VACATION RESORT D 3798

EXCALIBUR HOTEL AND CASINO D 3628

EXEL INNS D 3696

EXTENDED STAY D 3621

EXTENDED STAY AMERICA D 3627

EXTENDED STAY DELUXE D 3630

FAIRFIELD HOTELS D 3697



Category

Code

MCC





B-2315 May 2013

FAIRFIELD INN D 3715

FAIRMONT HOTELS D 3590

FIRST HOSPITALITY HOTELS D 3784

FLAG INN D 3664

FLAG INNS (AUSTRALIA) D 3711

FLAMINGO HOTELS D 3793

FORTE HOTELS D 3505

FORUM HOTELS D 3570

FOUR POINTS HOTELS D 3778

FOUR SEASONS HOTELS D 3543

FOUR SEASONS HOTEL (AUSTRALIA) D 3714

FRANKENMURTH BAVARIAN D 3578

FREMONT HOTEL AND CASINO D 3766

FRIENDSHIP INNS D 3507

GALT HOUSE D 3827*

GARDEN PLACE HOTEL D 3566

GAYLORD OPRYLAND D 3608

GAYLORD PALMS D 3609

GOLDEN NUGGET D 3561

GOLDEN TULIP HOTELS D 3506

GRAND CASINO HOTELS D 3794

GRAND SIERRA RESORT D 3823

GRAND WAILEA RESORT D 3571

GREAT WOLF D 3618

GREENBRIAR RESORTS D 3753

HALE KOA HOTEL D 3799

HALEKULANI HOTEL/WAIKIKI PARC D 3760

HAMPTON INNS D 3665

HARLEY HOTELS D 3698

HARRAH’S HOTELS AND CASINOS D 3731

HARVEY/BRISTOL RESORTS D 3734

HELMSLEY HOTELS D 3588

HILTON CONRAD D 3721

HILTON HOTELS D 3504

HILTON INTERNATIONALS D 3535

HO JO INN D 3638

HOLIDAY INN EXPRESS D 3501



Category

Code

MCC





15 May 2013B-24

HOLIDAY INNS D 3501

HOMESTEAD SUITES D 3800

HOMEWOOD SUITES D 3751

HOSPITALITY INTERNATIONAL D 3595

HOTEIS OTHAN D 3680

HOTEL DEL CORONADO D 3580

HOTEL IBIS D 3533

HOTEL INDIGO D 3813

HOTEL MERCURE D 3579

HOTEL OKURA D 3541

HOTEL SIERRA D 3546

HOTEL UNIVERSALE D 3625

HOTELES EL PRESIDENTE D 3663

HOTELES MELIA D 3548

HOWARD JOHNSON D 3638

HUNGAR HOTELS D 3585

HUSA HOTELS D 3647

HYATT HOTELS D 3640

HYATT PLACE D 3812

IBEROTEL HOTELS D 3540

IBUSZ HOTELS D 3673

IMPERIAL LONDON HOTEL D 3651

INTER-CONTINENTAL HOTELS D 3512

INTER NOR HOTELS D 3724

INTERHOTEL CEDOK D 3675

JOHN ASCUAGA’S NUGGET D 3729

JOLLY HOTELS D 3558

JOURNEY'S END MOTELS D 3563

JUMEIRAH ESSEX HOUSE D 3820

KAHALA MANDARIN ORIENTAL HOTEL D 3758

KAROS HOTELS D 3718

KAUAI COCONUT BEACH RESORT D 3531

KNIGHTS INNS D 3660

LA MANSION DEL RIO D 3701

LA QUINTA MOTOR INNS D 3516

LA QUINTA RESORT D 3576

LADBROKE HOTELS D 3568



Category

Code

MCC





B-2515 May 2013

LADY LUCK HOTEL AND CASINO D 3624

LOEWS HOTELS D 3654

LUXOR HOTEL AND CASINO D 3667

LXR D 3808

MAINSTAY SUITES D 3818

MAIN STREET STATION HOTEL AND

CASINO

D 3767

MANDALAY BAY RESORT D 3777

MANDARIN ORIENTAL HOTEL D 3577

MANHATTEN EAST SUITE HOTEL D 3557

MARITIM HOTELS D 3668

MARRIOTT D 3509

MASTERS ECONOMY INNS D 3735

MERIDIEN HOTELS D 3520

MERLIN HOTELS D 3622

METROPOLE HOTELS D 3661

MGM GRAND HOTEL D 3730

MICROTEL INNS & SUITES D 3613

MIDWAY MOTOR LODGE D 3699

MILLENNIUM HOTEL D 3741

MIRAGE HOTEL AND CASINO D 3551

MIYAKO HOTELS D 3572

MONTE CARLO HOTEL AND CASINO D 3676

MOTEL 6 D 3700

MOUNT CHARLOTTE THISTLE D 3639

MOEVENPICK HOTELS D 3612

NEMACOLIN WOODLANDS D 3772

NEVELE GRAND RESORT AND COUNTRYCLUB

D 3776

NEW OTANI HOTELS D 3658

NEW YORK-NEW YORK HOTEL +

CASINO

D 3774

NICKELODEON FAMILY SUITES BY

HOLIDAY INN

D 3815

NOAH'S HOTELS D 3603

NOVOTEL HOTELS D 3642

OBEROI HOTELS D 3657

OHANA HOTELS OF HAWAII D 3786



Category

Code

MCC





15 May 2013B-26

OMNI HOTELS D 3592

OPRYLAND HOTEL D 3732

OTANI HOTELS Renamed NEW OTANI

HOTELS

D 3658

OUTRIGGER HOTELS AND RESORTS D 3785

OXFORD SUITES D 3819

PANNONIA HOTELS D 3599

PARIS LAS VAGAS HOTEL D 3795

PARK INNS INTERNATIONAL D 3553

PATRICIA GRAND RESORT HOTELS D 3781

PEABODY HOTELS D 3752

PENINSULA HOTEL D 3523

PENTA HOTELS D 3653

PEPPERMILL HOTEL CASINO D 3796

PINEHURST RESORT D 3554

PREMIER INN D 3811

PRIMADONNA HOTEL AND CASINO D 3761

PRINCE HOTELS D 3526

PRINCESS HOTELS INTERNATIONAL D 3584

PROTEA HOTELS D 3719

PULLMAN INTERNATIONAL HOTELS D 3519

QUALITY INNS D 3508

QUALITY SUITES D 3508

QUALITY PACIFIC HOTEL D 3713

QUEENS MOAT HOUSES D 3645

RADISSON HOTELS D 3649

RAFFLES HOTELS D 3790

RAMADA INNS D 3637

RANK HOTELS D 3633

RANTASIPI HOTELS D 3674

RED LION HOTELS D 3528

RED LION INNS D 3528

RED ROOF INNS D 3650

REGAL 8 INNS D 3550

REGENT INTERNATIONAL HOTELS D 3598

RELAX INNS D 3565

RENAISSANCE HOTELS D 3530



Category

Code

MCC





B-2715 May 2013

RESIDENCE INNS D 3703

RESO HOTELS D 3635

RICA HOTESL D 3723

RIO SUITES D 3726

RIVERSIDE RESORT HOTLE AND CASINO D 3597

RIVIERA HOTEL AND CASINO D 3737

RODEWAY INNS D 3515

ROSEN HOTELS AND RESORTS D 3782

ROYAL HOTELS D 3542

ROYAL KONA RESORT D 3532

ROYAL LAHAINA RESORT D 3521

ROYCE HOTELS D 3704

SAJARA HOTEL AND CASINO D 3682

SAM’S TOWN HOTEL AND CASINO D 3564

SANDMAN HOTELS D 3573

SANDMAN INNS D 3705

SAND’S RESORT D 3775

SARA HOTELS D 3656

SAROVA HOTELS D 3636

SAS HOTELS D 3583

SCANDIC HOTELS D 3655

SEA PINES RESORT D 3725

SHANGRI-LA INTERNATIONAL D 3545

SHERATON HOTELS D 3503

SHILO INNS D 3706

SILVER LEGACY HOTEL AND CASINO D 3679

SILVER STAR HOTEL AND CASINO D 3768

SHONEY'S INNS D 3707

SLEEP INN D 3631

SMUGGLER’S NOTCH RESORT D 3789

SOFITEL HOTELS D 3641

SOHO GRAND HOTEL D 3567

SOKOS HOTELS D 3586

SOL HOTELS D 3518

SONESTA HOTELS D 3591

SOUTH SEAS RESORTS - MCC Retired D 3756

SOUTHERN PACIFIC HOTELS D 3534



Category

Code

MCC





15 May 2013B-28

SOUTHERN SUN HOTELS D 3720

SPRINGHILL SUITES D 3770

ST. REGIS HOTEL D 3745

STAKIS HOTELS D 3666

STAYBRIDGE SUITES D 3791

STEIGENBERGER HOTELS D 3643

STOUFFER HOTELS D 3530

STRATOSPHERE HOTEL AND CASINO D 3769

STUDIO PLUS D 3626

SUMMERFIELDS SUITES HOTELS D 3539

SUPER 8 MOTELS D 3709

SUSSE CHALET D 3686

SWALLOW HOTELS D 3646

SWISSOTEL D 3634

TAJ HOTELS INTERNATIONAL D 3659

THE BEVERLY HILLS HOTEL D 3749

THE ELIOT HOTEL D 3746

THE HOMESTEAD D 3755

THE ORCHID AT MAUNA LANI D 3759

THE PHOENICIAN D 3632

THE REGISTRY HOTELS D 3702

THE RITZ-CARLTON D 3710

THE ROOSEVELT HOTEL NY D 3814

THE VENETIAN RESORT HOTEL CASINO D 3773

THUNDERBIRD HOTELS D 3528

TOKYO HOTEL D 3522

TOWN AND COUNTRY RESORT &

CONVENTION CENTRE

D 3783

TOWNEPLACE SUITES D 3740

TRAVELODGE D 3615

TREASURE ISLAND HOTEL AND CASINO D 3555

TRIBECA GRAND HOTEL D 3569

TROPICANA RESORT & CASINO D 3738

VAGABOND HOTELS D 3575

VDARA D 3825

VENTURE INNS D 3574

VIRGIN RIVER HOTEL AND CASINO D 3708



Category

Code

MCC





B-2915 May 2013

W HOTELS D 3779

WELCOMGROUP HOTELS D 3524

WELLESLEY INNS D 3748

WESTIN HOTELS D 3513

WHISKEY PETE’S HOTEL AND CASINO D 3762

WILDERNESS HOTEL & RESORT D 3801

WOODSIDE HOTELS & RESORTS D 3739

WYNDHAM HOTELS D 3722

WYNN LAS VAGAS D 3596

Household Appliance Stores I 5722

I

Ice Dealers I 5999

Inbound Teleservices Merchants J 5967

Industrial Supplies, Not Elsewhere

Classified

I 5085

Information Retrieval Services I 7375

Insulation Contractors I 1740

Insurance Sales, Underwriting and

Premiums

I 6300

International Automated Referral Service

(for Visa use only)

I 9700

Intra-Company Purchases I 9950

Intra-Government

Purchases—Government Only

I 9405

J

Janitorial Services I 7349

Jewellery Repair I 7631

Jewellery Stores I 5944

L

Laboratory, Medical, Dental, Ophthalmic

and Hospital Equipment and Supplies

I 5047

Labour Unions I 8699

Landscaping Services I 0780

Launderettes I 7211

Laundry, Cleaning and Garment Services I 7210

Lawn Supply Stores—Nurseries I 5261

Leather Goods Stores I 5948

Legal Services I 8111

Limousines I 4121



Category

Code

MCC





15 May 2013B-30

Liquefied Petroleum Dealers I 5983

Liquor Stores I 5921

Local/Suburban Commuter Passenger

Transportation, Including Ferries

I 4111

Luggage Stores I 5948

Lumber and Building Materials Stores I 5211

M

Management and Consulting Services I 7392

Marinas, Marine Service and Supplies I 4468

Marriage Counselling I 7277

Masonry, Stonework Contractors I 1740

Massage Parlours I 7297

Meat Markets I 5499

Meat Provisioners—Freezer and Locker I 5422

Medical Laboratories I 8071

Medical Services and Health Practitioners,

Not Elsewhere Classified

I 8099

Membership Clubs (Sports, Recreation,

Athletic)

I 7997

Membership Organisations, NotElsewhere Classified

I 8699

Men’s and Boys’ Clothing and Accessories

Stores

I 5611

Men’s, Women’s and Children’s Uniforms

and Commercial Clothing

I 5137

Men’s and Women’s Clothing Stores I 5691

Metal Service Centres and Offices I 5051

Miniature Golf and Driving Ranges I 7999

Miscellaneous Publishing and Printing I 2741

Mobile Home Dealers I 5271

Money Orders—Non-Financial Institutions

(not wire transfer)

O 6051

Monuments—Sales and Installation I 5999

Motels—Lodging D See

Hotels

Motion Pictures and Video Tape

Production and Distribution

I 7829

Motion Picture Theatres I 7832

Motor Freight Carriers I 4214Motor Home Dealers I 5592



Category

Code

MCC





B-3115 May 2013

Motor Home Rentals I 7519

Motor Vehicle Supplies and New Parts I 5013

Motorcycle Shops and Dealers I 5571

Moving and Storage Companies I 4214

Museums I 7999

Music Stores, Musical Instruments, Pianos

and Sheet Music

I 5733

N

Needlework Stores I 5949

News Dealers and Newsstands I 5994

Nightclubs I 5813

Nondurable Goods, Not Elsewhere

Classified

I 5199

Non-Financial Institutions—Foreign

Currency, Money Orders (not wire

transfer) and Cheques

O 6051

Novelty Shops I 5947

Numismatic Supplies I 5972

Nurseries—Lawn and Garden Supply

Stores

I 5261

Nursing and Personal Care Facilities I 8050

Nut Stores I 5441

O

Off-Track Betting I 7995

Office Furniture I 5021

Office, Photographic, Photocopy and

Microfilm Equipment

I 5044

Office Supply Stores I 5943

Ophthalmologists I 8042

Opticians, Optical Goods and Eyeglasses I 8043

Optometrists I 8042

Orchestras I 7929

Orthodontists I 8021

Orthopaedic Goods, Prosthetic Devices I 5976

Osteopaths I 8031

Outbound Telemarketing Merchants J 5966

P

Package Stores—Beer, Wine and Liquor I 5921



Category

Code

MCC





15 May 2013B-32

Package Tour Operators—

Germany Only (previously TUIReisebuero)

H 4723

Paint Shops—Automotive I 7535

Paint and Wallpaper Stores I 5231

Paints, Varnishes and Supplies I 5198

Paper Hanging Contractors I 1799

Parking Lots - Renamed Parking Lots,

Parking Meters and Garages

I 7523

Passenger Railways B 4112

Pawn Shops I 5933Personal Counselling I 7277

Personal Services, Not Elsewhere

Classified

I 7299

Petroleum and Petroleum Products I 5172

Pet Shops, Pet Foods and Supplies Stores I 5995

Pharmacies I 5912

Philatelic Supplies I 5972

Photocopying Services I 7338

Photo finishing Laboratories, PhotoDeveloping

I 7395

Photographic Studios I 7221

Photographic Supply Stores I 5946

Photography Art and

Graphics—Commercial

I 7333

Physicians I 8011

Piece Goods, Notions and Other Dry

Goods

I 5131

Piece Goods Stores I 5949

Plastering Contractors I 1740

Plumbing I 1711

Plumbing and Heating Equipment and

Supplies

I 5074

Podiatrists I 8049

Political Organisations I 8651

Postal Services—Government Only I 9402

Precious Stones and Metals, Watches and

Jewellery

I 5094

Print Shops I 7338Private Golf Courses I 7997



Category

Code

MCC





B-3315 May 2013

Professional Organisations I 8699

Professional Schools I 8220

Professional Services, Not Elsewhere

Classified

I 8999

Professional Sports Clubs I 7941

Protective Services I 7393

Public Relations Services I 7392

Q

Quick Copy, Reproduction and

Blueprinting Services

I 7338

R

Race Tracks I 7941

Radio Repair Shops I 7622

Railroads B 4011

Real Estate Agents, Brokers, Managers I 7299

Real Estate Agents, Managers - Rentals I 6513

Record Shops I 5735

Recreational and Utility Trailers I 5561

Recreational Facilities—Miscellaneous I 7999

Refrigeration Repair Shops I 7623

Religious Goods Stores I 5973

Religious Organisations I 8661

Rentals—Automobiles C (See Car

Rental

Agencies)

Rentals—Boats I 4457

Rentals—Clothing, Costumes, Uniforms I 7296

Rentals—Recreational Vehicles I 7519

Rentals—Tools, Equipment and Furniture I 7394

Rentals—Trucks and Trailers I 7513

Rentals—Video Tapes I 7841

Repair Shops—Electrical and Small

Appliances

I 7629

Repair Shops and Related

Services—Miscellaneous

I 7699

Reproduction Services I 7338

Resorts—Lodging D (See

Hotels)

Restaurants F 5812



Category

Code

MCC





15 May 2013B-34

Retail Stores, Not Elsewhere Classified I 5999

Re-upholstery I 7641

Riding Apparel Stores I 5655

Roofing—Contractors I 1761

S

Salvage Yards I 5935

Sanitary Utilities I 4900

Savings and Loans—Automated Cash

Disbursements

L 6011

Savings and Loans—Manual Cash

Disbursements

L 6010

Savings and Loans—Merchandise and

Services

I 6012

School Supplies Stores I 5943

Schools—Business and Secretarial I 8244

Schools—Elementary and Secondary I 8211

Schools—Vocational I 8249

Schools and Educational Services, Not


I 8299

Seafood Markets I 5499Seamstresses I 5697

Secondary Schools I 8211

Secondhand Stores I 5931

Secretarial Schools I 8244

Security Brokers/Dealers I 6211

Service Stations (with or without ancillary

services)

I 5541

Sewing Stores I 5949

Sheet Metal Work—Contractors I 1761Shoe Repair Shops and Shoe Shine

Parlours

I 7251

Shoe Stores I 5661

Shopping Services—Clubs I 7278

Siding—Contractors I 1761

Silverware Stores I 5944

Ski Slopes I 7999

Snowmobile Dealers I 5598

Social Associations I 8641

Social Service Organisations I 8398



Category

Code

MCC





B-3515 May 2013

Software—Computer I 5734

Souvenir Shops I 5947

Spas—Health and Beauty I 7298

Speciality Cleaning, Polishing and

Sanitation Preparations

I 2842

Speciality Food Markets I 5499

Speciality Retail Stores—Miscellaneous I 5999

Sporting Goods Stores I 5941

Sports Apparel Stores I 5655

Sports Clubs—Memberships I 7997

Sports Instruction I 7999

Sports—Promoters and Professional I 7941

Stamp Stores I 5972

Stationery, Office Supplies, Printing and

Writing Paper

I 5111

Stationery Stores I 5943

Steamship Lines I 4411

Stenographic and Secretarial Support

Services

I 7339

Stereo Repair Shops I 7622

Stonework and Masonry Contractors I 1740

Storage I 4225

Supermarkets I 5411

Surveying Services I 8911

Swimming Pools—Public I 7999

Swimming Pools—Sales, Service and

Supplies

I 5996

T

Tailors and Seamstresses, Mending andAlterations

I 5697

Taverns I 5813

Tax Payments I 9311

Tax Preparation Services I 7276

Taxicabs I 4121

Telegraph Services I 4821

Telecommunications Equipment, Including

Telephone Sales

I 4812



Category

Code

MCC





15 May 2013B-36

Telecommunication Services, Including

Local and Long Distance Calls, Credit CardCalls, Calls through Use of Magnetic

Stripe-Reading Telephones and Fax

Services

I 4814

Telemarketing—Travel-Related

Arrangement Services (Excluding Travel

Agencies) (see Direct Marketing—Travel-

Related Arrangement Services)

J 5962

Television Repair Shops I 7622

Temporary Help Services I 7361

Tennis Clubs—Memberships I 7997

Tent and Awning Shops I 5998

Testing Laboratories (Non-Medical) I 8734

Theatrical Producers (Except Motion

Pictures), Ticket Agencies

I 7922

Tile Setting Contractors I 1740

Time-shares I 7012

Toll and Bridge Fees I 4784

Tombstones—Sales and Installation I 5999

Tour Buses I 4131

Tour Operators H 4722

Tourist Attractions and Exhibits I 7991

Towing Services I 7549

Toy and Game Shops I 5945

Trade Schools I 8249

Trailer Dealers I 5561

Trailer Parks I 7033

Trailer Rentals I 7513

Transportation Services, Not ElsewhereClassified

I 4789

Travel Agencies and Tour Operators H 4722

Travelers Cheques—Non-Financial

Institutions

O 6051

Trophy Sales I 5999

Truck Dealers (New and Used)— Service,

Repairs, Parts

I 5511

Truck Dealers (Used Only) I 5521

Truck Rentals I 7513

Trucking—Local/Long Distance I 4214



Category

Code

MCC





B-3715 May 2013

Tuxedo Rentals I 7296

Typesetting, Platemaking and Related

Services

I 2791

Typewriter Stores—Sales, Rental, Service I 5978

Tyre Retreading and Repair Shops I 7534

Tyre Stores—Automotive I 5532

U

Uniforms—Rental I 7296

Universities I 8220

Upholstery Cleaning I 7217

Upholstery Stores I 5714

Used Merchandise Stores I 5931

Utilities—Electric, Gas, Water, Telephone,

Sanitary

I 4900

Utility Trailer Dealers I 5561

Utility Trailer Rentals I 7513

V

Variety Stores I 5331

Vegetable Markets I 5499

Veterinary Services I 0742

Video Amusement Game Supplies I 7993

Video Game Arcades/Establishments I 7994

Video Tape Rental Stores I 7841

Visa Credential Server (for Visa use only) I 9701

Visa Phone I 4815

Vocational Schools I 8249

W

Wagers at Race Tracks I 7995

Wallpaper Stores I 5231

Warehousing, Public I 4225

Watch Repair I 7631

Watch Stores I 5944

Water Utilities I 4900

Welding Repairs I 7692

Well Drilling—Contractors I 1799

Wholesale Clubs I 5300

Wig and Toupee Stores I 5698

Wire Transfer—Money Orders O 4829



Category

Code

MCC





15 May 2013B-38

Women’s Accessory and Speciality Shops I 5631

Women’s Ready-To-Wear Stores I 5621

Wood Dealers I 5983

Wrecking I 5935

Z

Zoos I 7999



Category

Code

MCC





B-3915 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 Merchant Data Standards, Listed in Numerical Order by Merchant

Category Code

MCC Floor LimitCategory

Code

Merchant Type Required Abbreviation

0742 I Veterinary Services

0763 I Agricultural Co-operatives

0780 I Landscaping and Horticultural Services

1520 I General Contractors—Residential and

Commercial

1711 I Heating, Plumbing and Air Conditioning

Contractors

1731 I Electrical Contractors

1740 I Masonry, Stonework, Tile Setting,

Plastering and Insulation Contractors

1750 I Carpentry Contractors

1761 I Roofing, Siding and Sheet Metal Work

Contractors

1771 I Concrete Work Contractors

1799 I Special Trade Contractors—Not Elsewhere

Classified

2741 I Miscellaneous Publishing and Printing

Services

2791 I Typesetting, Platemaking and Related

Services

2842 I Speciality Cleaning, Polishing and

Sanitation Preparations

3000 A UNITED AIRLINES UNITED AIR

3001 A AMERICAN AIRLINES AMERICAN AIR

3002 A PAN AMERICAN PAN AM AIR

3003 A EUROFLY AIRLINES EUROFLY AIR

3004 A TRANS WORLD AIRLINES TWA AIRLINE

3005 A BRITISH AIRWAYS BRITISH AWYS





15 May 2013B-40

3006 A JAPAN AIRLINES JAL AIRLINE

3007 A AIR FRANCE AIR FRANCE

3008 A LUFTHANSA LUFTHANSA

3009 A AIR CANADA AIR CANADA

3010 A KLM (ROYAL DUTCH AIRLINES) KLM AIRLINE

3011 A AEROFLOT AEROFLOT

3012 A QANTAS QANTAS AIR

3013 A ALITALIA ALITALIA

3014 A SAUDI ARABIAN AIRLINES SAUDIA AIR

3015 A SWISS INTERNATIONAL AIRLINES SWISSINTAIR

3016 A SAS SAS

3017 A SOUTH AFRICAN AIRWAYS SAA AIRWAYS

3018 A VARIG (BRAZIL) VARIG

3019 A GERMANWINGS GRMNWNGSAIR

3020 A AIR-INDIA AIR-INDIA

3021 A AIR ALGERIE AIR ALGERIE

3022 A PHILIPPINE AIRLINES PHILIPP AIR

3023 A MEXICANA MEXICANA

3024 A PAKISTAN INTERNATIONAL PAKISTAN AIR

3025 A AIR NEW ZEALAND AIR NZ

3026 A EMIRATES AIRLINES EMIRATES

3027 A UTA/INTERAIR UTA AIRLINE

3028 A AIR MALTA AIR MALTA

3029 A SN BRUSSELS AIRLINES SNBRSSLSAIR

3030 A AEROLINEAS ARGENTINAS AERO ARGENT

3031 A OLYMPIC AIRWAYS OLYMPIC AIR

3032 A EL AL EL AL

3033 A ANSETT AIRLINES ANSETT AIR

3034 A ETIHAD AIRWAYS ETIHADAIR

3035 A TAP (PORTUGAL) TAP AIR

3036 A VASP (BRAZIL) VASP AIRLINE

3037 A EGYPTAIR EGYPTAIR

3038 A KUWAIT AIRWAYS KUWAIT AIR

3039 A AVIANCA1 AVIANCA

3040 A GULF AIR (BAHRAIN) GULF AIR

3041 A BALKAN-BULGARIAN AIRLINES BALKAN AIR


Category Code (Continued)

MCC Floor Limit

Category

Code






B-4115 May 2013

3042 A FINNAIR FINNAIR

3043 A AER LINGUS AER LINGUS

3044 A AIR LANKA AIR LANKA

3045 A NIGERIA AIRWAYS NIGERIA AIR

3046 A CRUZEIRO DO SUL (BRAZIL) CRUZEIRO AIR

3047 A THY (TURKEY) THY AIRLINE

3048 A ROYAL AIR MAROC AIR MAROC

3049 A TUNIS AIR TUNIS AIR

3050 A ICELANDAIR ICELANDAIR

3051 A AUSTRIAN AIRLINES AUSTRIAN AIR

3052 A LANCHILE, renamed LAN AIRLINES LANCHILE, renamed LAN AIR

3052 A LAN AIRLINES (formerly LANCHILE) LAN AIR

3053 A AVIACO (SPAIN) AVIACO AIR

3054 A LADECO (CHILE) LADECO AIR

3055 A LAB (BOLIVIA) LAB AIR

3056 A JET AIR JET AIR

3057 A VIRGIN AMERICA VIR AMER

3058 A DELTA DELTA AIR

3059 A DBA AIRLINES DBA AIRLINES

3060 A NORTHWEST NWA AIR

3061 A CONTINENTAL CONTINENTAL

3062 A HAPAG-LLOYD EXPRESS AIRLINES HLX AIR

3063 A U.S. AIRWAYS USAIRWAYS

3064 A ADRIA AIRWAYS ADRIA AIR

3065 A AIRINTER AIRINTER

3066 A SOUTHWEST SOUTHWESTAIR

3067 A VANGUARD AIRLINES VANGUARD AIR

3068 A AIR ASTANA AIR ASTANA

3071 A AIR BRITISH COLUMBIA AIR BC

3072 A CEBU PACIFIC AIRLINES CEBU_PAC

3075 A SINGAPORE AIRLINES SINGAPOREAIR

3076 A AEROMEXICO AEROMEXICO

3077 A THAI AIRWAYS THAI AIRWAYS

3078 A CHINA AIRLINES CHINA AIRLINE

3079 A JETSTAR AIRWAYS JETSTAR AIR

3082 A KOREAN AIRLINES KOREAN AIR



MCC Floor Limit

Category

Code






15 May 2013B-42

3083 A AIR AFRIQUE AIR AFRIQUE

3084 A EVA AIRWAYS CORPORATION EVA AIR

3085 A MIDWEST EXPRESS AIRLINES MIDWEST EXP

3086 A CARNIVAL AIRLINES CARNIVAL AIR

3087 A METRO AIRLINES METRO AIR

3088 A CROATIA AIRLINES CROATIA AIR

3089 A TRANSAERO TRANSAERO

3090 A UNI AIRWAYS CORPORATION UNIAIR

3094 A ZAMBIA AIRWAYS ZAMBIA AIR

3096 A AIR ZIMBABWE AIR ZIMBABWE

3097 A SPANAIR SPANAIR

3098 A ASIANA AIRLINES ASIANA AIR

3099 A CATHAY PACIFIC CATHAYPACAIR

3100 A MALAYSIAN AIRLINE SYSTEM MALAY AIR

3102 A IBERIA IBERIA

3103 A GARUDA (INDONESIA) GARUDA AIR

3106 A BRAATHENS S.A.F.E. (NORWAY) BRAATHENS

3110 A WINGS AIRWAYS WINGS AIR

3111 A BRITISH MIDLAND BRIT MIDLAND

3112 A WINDWARD ISLAND WINDWRDISAIR

3115 A TOWER AIR TOWERAIR

3117 A VIASA VIASA

3118 A VALLEY AIRLINES VALLEY AIR

3125 A TAN TAN AIR

3126 A TALAIR TALAIR

3127 A TACA INTERNATIONAL TACA AIR

3129 A SURINAM AIRWAYS SURINAM AIR

3130 A SUN WORLD INTERNATIONAL SUNWORLD AIR

3131 A VLM AIRLINES VLM AIR

3132 A FRONTIER AIRLINES FRONTIER AIR

3133 A SUNBELT AIRLINES SUNBELT AIR

3135 A SUDAN AIRWAYS SUDAN AIR

3136 A QATAR AIRWAYS QATAR AIR

3137 A SINGLETON SINGLETONAIR

3138 A SIMMONS AIRLINES SIMMONS AIR

3143 A SCENIC AIRLINES SCENIC AIR



MCC Floor Limit

Category

Code






B-4315 May 2013

3144 A VIRGIN ATLANTIC VIRGINATLAIR

3145 A SAN JUAN AIRLINES SAN JUAN AIR

3146 A LUXAIR LUXAIR

3148 A AIR LITTORAL S.A. AIRLITTORAL

3151 A AIR ZAIRE AIR ZAIRE

3154 A PRINCEVILLE PRINCVLLEAIR

3156 A GO FLY, LTD GOFLY

3159 A PBA PBA AIRLINE

3161 A ALL NIPPON AIRWAYS A.N.A. AIR

3164 A NORONTAIR NORONTAIR

3165 A NEW YORK HELICOPTER NY HELI

3167 A AEROCONTINENTE AEROCONTINEN

3170 A MOUNT COOK MT COOK AIR

3171 A CANADIAN AIRLINES INTERNATIONAL CANADIAN AIR

3172 A NATIONAIR NATIONAIR

3174 A JETBLUE AIRWAYS JETBLUE

3175 A MIDDLE EAST AIR MIDEAST AIR

3176 A METROFLIGHT AIRLINES METROFLT AIR

3177 A AIRTRAN AIRWAYS AIRTRANAIR

3178 A MESA AIR MESA AIR

3180 A WESTJET AIRLINES WESTJETAIR

3181 A MALEV MALEV AIR

3182 A LOT (POLAND) LOT AIR

3183 A OMAN AVIATION SERVICES OMANAIR

3184 A LIAT LIAT AIRLINE

3185 A LAV (VENEZUELA) LAV AIR

3186 A LAP (PARAGUAY) LAP AIR

3187 A LACSA (COSTA RICA) LACSA AIR

3188 A VIRGIN EXPRESS VIRGINEXPAIR

3190 A JUGOSLAV AIR JUGOSLAV AIR

3191 A ISLAND AIRLINES ISLAND AIR

3193 A INDIAN AIRLINES INDIAN AIR

3196 A HAWAIIAN AIR HAWAIIAN AIR

3197 A HAVASU AIRLINES HAVASU AIR

3200 A GUYANA AIRWAYS GUYANA AIR

3203 A GOLDEN PACIFIC AIR GOLDPAC AIR



MCC Floor Limit

Category

Code






15 May 2013B-44

3204 A FREEDOM AIR FREEDOM AIR

3206 A CHINA EASTERN AIRLINES CHINEASTAIR

3211 A NORWEGIAN AIR SHUTTLE NORWEGIANAIR

3212 A DOMINICANA DOMINICANA

3213 A MALMO AVIATION MALMO AIR

3215 A DAN AIR SERVICES DAN AIR

3216 A CUMBERLAND AIRLINES CUMBERLNDAIR

3217 A CSA CSA AIRLINE

3218 A CROWN AIR CROWN AIR

3219 A COPA COPA AIR

3220 A COMPANIA FAUCETT COMP FAU AIR

3221 A TRANSPORTES AEROS MILITARES

ECUATORIANOS

TAME AIRLINE

3222 A COMMAND AIRWAYS COMMAND AIR

3223 A COMAIR COMAIR

3226 A SKYWAYS SKYWAYS AIR

3228 A CAYMAN AIRWAYS CAYMANAIR

3229 A SAETA SOCIAEDAD ECUATORIANOS DE

TRANSPORTES AEREOS

SAETA AIR

3231 A SAHSA SERVICIO AEREO DE

HONDURAS

SAHSA AIR

3233 A CAPITOL AIR CAPITOL AIR

3234 A BWIA renamed

CARIBBEAN AIRLINES

BWIA AIRLINE renamed

CARIBBEAN AIR

3235 A BROCKWAY AIR BROCKWAY AIR

3236 A AIR ARABIA AIR ARABIA

3238 A BEMIDJI AIRLINES BEMIDJI AIR

3239 A BAR HARBOR AIRLINES BARHARBORAIR3240 A BAHAMASAIR BAHAMASAIR

3241 A AVIATECA (GUATEMALA) AVIATECA AIR

3242 A AVENSA AVENSA AIR

3243 A AUSTRIAN AIR SERVICE AUST AIRSERV

3245 A EASYJET EASYJET AIR

3246 A RYANAIR RYANAIR

3247 A GOL AIRLINES GOL AIR

3248 A TAM AIRLINES TAM AIR

3251 A ALOHA AIRLINES ALOHA AIR

3252 A ALM ALM AIRLINE



MCC Floor Limit

Category

Code






B-4515 May 2013

3254 A U.S. AIR SHUTTLE USAIRSHUTL

3256 A ALASKA AIRLINES ALASKA AIR

3259 A AMERICAN TRANS AIR ATA AIR

3260 A SPIRIT AIRLINES SPIRIT AIR

3261 A AIR CHINA AIR CHINA

3262 A RENO AIR, INC. RENO AIR

3263 A AERO SERVICO CARABOBO ASC AIRLINE

3266 A AIR SEYCHELLES AIR SEYCH

3267 A AIR PANAMA AIR PANAMA

3280 A AIR JAMAICA AIR JAMAICA

3282 A AIR DJIBOUTI AIR DJIBOUTI

3284 A AERO VIRGIN ISLANDS AERVIRGINIS

3285 A AEROPERU AEROPERU

3286 A AEROLINEAS NICARAGUENSIS AERONICARAG

3287 A AERO COACH AVIATION AEROCOACH AV

3292 A CYPRUS AIRWAYS CYPRUS AIR

3293 A ECUATORIANA ECUATORIANA

3294 A ETHIOPIAN AIRLINES ETHIOPIAN AIR

3295 A KENYA AIRWAYS KENYA AIR

3296 A AIR BERLIN AIR BERLIN

3297 A TAROM ROMANIAN AIR TRANSPORT TAROM AIR

3298 A AIR MAURITIUS AIRMAURITIUS

3299 A WIDEROE'S FLYVESELSKAP WIDEROES

3351 C AFFILIATED AUTO RENTAL

3352 C AMERICAN INTL RENT-A-CAR

3353 C BROOKS RENT-A-CAR

3354 C ACTION AUTO RENTAL

3355 C SIXT CAR RENTAL

3357 C HERTZ

3359 C PAYLESS CAR RENTAL

3360 C SNAPPY CAR RENTAL

3361 C AIRWAYS RENT-A-CAR

3362 C ALTRA AUTO RENTAL

3364 C AGENCY RENT-A-CAR

3366 C BUDGET RENT-A-CAR

3368 C HOLIDAY RENT-A-CAR



MCC Floor Limit

Category

Code






15 May 2013B-46

3370 C RENT-A-WRECK

3374 C ACCENT RENT-A-CAR

3376 C AJAX RENT-A-CAR

3380 C TRIANGLE RENT-A-CAR

3381 C EUROP CAR

3385 C TROPICAL RENT-A-CAR

3386 C SHOWCASE RENTAL CARS

3387 C ALAMO RENT-A-CAR

3388 C MERCHANTS RENT-A-CAR

3389 C AVIS RENT-A-CAR

3390 C DOLLAR RENT-A-CAR

3391 C EUROPE BY CAR

3393 C NATIONAL CAR RENTAL

3394 C KEMWELL GROUP RENT-A-CAR

3395 C THRIFTY CAR RENTAL

3396 C TILDEN RENT-A-CAR

3398 C ECONO-CAR RENT-A-CAR

3400 C AUTO HOST CAR RENTALS

3405 C ENTERPRISE RENT-A-CAR

3409 C GENERAL RENT-A-CAR

3412 C A-1 RENT-A-CAR

3414 C GODFREY NATL RENT-A-CAR

3420 C ANSA INTL RENT-A-CAR

3421 C ALLSTATE RENT-A-CAR

3423 C AVCAR RENT-A-CAR

3425 C AUTOMATE RENT-A-CAR

3427 C AVON RENT-A-CAR

3428 C CAREY RENT-A-CAR

3429 C INSURANCE RENT-A-CAR

3430 C MAJOR RENT-A-CAR

3431 C REPLACEMENT RENT-A-CAR

3432 C RESERVE RENT-A-CAR

3433 C UGLY DUCKLING RENT-A-CAR

3434 C USA RENT-A-CAR

3435 C VALUE RENT-A-CAR

3436 C AUTOHANSA RENT-A-CAR



MCC Floor Limit

Category

Code






B-4715 May 2013

3437 C CITE RENT-A-CAR

3438 C INTERENT RENT-A-CAR

3439 C MILLEVILLE RENT-A-CAR

3441 C ADVANTAGE RENT-A-CAR

3501 D HOLIDAY INN EXPRESS

3501 D HOLIDAY INNS

3502 D BEST WESTERN HOTELS

3503 D SHERATON

3504 D HILTON HOTELS

3505 D FORTE HOTELS

3506 D GOLDEN TULIP HOTELS

3507 D FRIENDSHIP INNS

3508 D QUALITY INNS

3508 D QUALITY SUITES

3509 D MARRIOTT

3510 D DAYS INNS

3510 D DAYSTOP

3511 D ARABELLA HOTELS

3512 D INTER-CONTINENTAL HOTELS

3513 D WESTIN

3514 D AMERISUITES

3515 D RODEWAY INNS

3516 D LA QUINTA MOTOR INNS

3517 D AMERICANA HOTELS

3518 D SOL HOTELS

3519 D PULLMAN INTERNATIONAL HOTELS

3520 D MERIDIEN HOTELS

3521 D ROYAL LAHAINA RESORTS

3522 D TOKYO HOTEL

3523 D PENINSULA HOTEL

3524 D WELCOMGROUP HOTELS

3525 D DUNFEY HOTELS

3526 D PRINCE HOTELS

3527 D DOWNTOWNER-PASSPORT HOTEL

3528 D RED LION HOTELS

3528 D RED LION INNS



MCC Floor Limit

Category

Code






15 May 2013B-48

3528 D THUNDERBIRD HOTELS

3529 D CP HOTELS

3530 D RENAISSANCE HOTELS

3531 D KAUAI COCONUT BEACH RESORT

3532 D ROYAL KONA RESORT

3533 D HOTEL IBIS

3534 D SOUTHERN PACIFIC HOTELS

3535 D HILTON INTERNATIONALS

3536 D AMFAC HOTELS

3537 D ANA HOTEL

3538 D CONCORDE HOTELS

3539 D SUMMERFIELDS SUITES HOTELS

3540 D IBEROTEL HOTELS

3541 D HOTEL OKURA

3542 D ROYAL HOTELS

3543 D FOUR SEASONS HOTELS

3544 D CIGA HOTELS

3545 D SHANGRI-LA INTERNATIONAL

3546 D HOTEL SIERRA

3548 D HOTELES MELIA

3549 D AUBERGE DES GOVERNEURS

3550 D REGAL 8 INNS

3551 D MIRAGE HOTEL AND CASINO

3552 D COAST HOTELS

3553 D PARK INNS INTERNATIONAL

3554 D PINEHURST RESORT

3555 D TREASURE ISLAND HOTEL AND CASINO

3556 D BARTON CREEK RESORT

3557 D MANHATTAN EAST SUITE HOTEL

3558 D JOLLY HOTELS

3559 D CANDLEWOOD SUITES

3560 D ALADDIN RESORT AND CASINO

3561 D GOLDEN NUGGET

3562 D COMFORT INNS

3563 D JOURNEY'S END MOTELS

3564 D SAM'S TOWN HOTEL AND CASINO



MCC Floor Limit

Category

Code






B-4915 May 2013

3565 D RELAX INNS

3566 D GARDEN PLACE HOTEL

3567 D SOHO GRAND HOTEL

3568 D LADBROKE HOTELS

3569 D TRIBECA GRAND HOTEL

3570 D FORUM HOTELS

3571 D GRAND WAILEA RESORT

3572 D MIYAKO HOTELS

3573 D SANDMAN HOTELS

3574 D VENTURE INNS

3575 D VAGABOND HOTELS

3576 D LA QUINTA RESORT

3577 D MANDARIN ORIENTAL HOTEL

3578 D FRANKENMUTH BAVARIAN

3579 D HOTEL MERCURE

3580 D HOTEL DEL CORONADO

3581 D DELTA HOTEL

3582 D CALIFORNIA HOTEL AND CASINO

3583 D SAS HOTELS

3584 D PRINCESS HOTELS INTERNATIONAL

3585 D HUNGAR HOTELS

3586 D SOKOS HOTELS

3587 D DORAL HOTELS

3588 D HELMSLEY HOTELS

3589 D DORAL GOLF RESORT

3590 D FAIRMONT HOTELS

3591 D SONESTA HOTELS

3592 D OMNI HOTELS

3593 D CUNARD HOTELS

3594 D ARIZONA BILTMORE

3595 D HOSPITALITY INTERNATIONAL

3596 D WYNN LAS VEGAS

3597 D RIVERSIDE RESORT HOTEL AND CASINO

3598 D REGENT INTERNATIONAL HOTELS

3599 D PANNONIA HOTELS

3603 D NOAH'S HOTELS



MCC Floor Limit

Category

Code






15 May 2013B-50

3608 D GAYLORD OPRYLAND

3609 D GAYLORD PALMS

3612 D MOEVENPICK HOTELS

3613 D MICROTEL INNS & SUITES

3614 D AMERICINN

3615 D TRAVELODGE

3617 D AMERICA'S BEST VALUE INN

3618 D GREAT WOLF

3619 D ALOFT

3620 D BINION'S HORSESHOE CLUB

3621 D EXTENDED STAY

3622 D MERLIN HOTELS

3623 D DORINT HOTELS

3624 D LADY LUCK HOTEL AND CASINO

3625 D HOTEL UNIVERSALE

3626 D STUDIO PLUS

3627 D EXTENDED STAY AMERICA

3628 D EXCALIBUR HOTEL AND CASINO

3629 D DAN HOTELS

3630 D EXTENDED STAY DELUXE

3631 D SLEEP INN

3632 D THE PHOENICIAN

3633 D RANK HOTELS

3634 D SWISSOTEL

3635 D RESO HOTELS

3636 D SAROVA HOTELS

3637 D RAMADA INNS

3638 D HO JO INN

3638 D HOWARD JOHNSON

3639 D MOUNT CHARLOTTE THISTLE

3640 D HYATT HOTELS

3641 D SOFITEL HOTELS

3642 D NOVOTEL HOTELS

3643 D STEIGENBERGER HOTELS

3644 D ECONO LODGES

3645 D QUEENS MOAT HOUSES



MCC Floor Limit

Category

Code






B-5115 May 2013

3646 D SWALLOW HOTELS

3647 D HUSA HOTELS

3648 D DE VERE HOTELS

3649 D RADISSON HOTELS

3650 D RED ROOF INNS

3651 D IMPERIAL LONDON HOTEL

3652 D EMBASSY HOTELS

3653 D PENTA HOTELS

3654 D LOEWS HOTELS

3655 D SCANDIC HOTELS

3656 D SARA HOTELS

3657 D OBEROI HOTELS

3658 D OTANI HOTELS, renamed NEW OTANI

HOTELS

3658 D NEW OTANI HOTELS

3659 D TAJ HOTELS INTERNATIONAL

3660 D KNIGHTS INNS

3661 D METROPOLE HOTELS

3662 D CIRCUS CIRCUS HOTEL AND CASINO

3663 D HOTELES EL PRESIDENTE

3664 D FLAG INN

3665 D HAMPTON INNS

3666 D STAKIS HOTELS

3667 D LUXOR HOTEL AND CASINO

3668 D MARITIM HOTELS

3669 D ELDORADO HOTEL AND CASINO

3670 D ARCADE HOTELS

3671 D ARCTIA HOTELS

3672 D CAMPANILE HOTELS

3673 D IBUSZ HOTELS

3674 D RANTASIPI HOTELS

3675 D INTERHOTEL CEDOK

3676 D MONTE CARLO HOTEL AND CASINO

3677 D CLIMAT DE FRANCE HOTELS

3678 D CUMULUS HOTELS

3679 D SILVER LEGACY HOTEL AND CASINO

3680 D HOTEIS OTHAN



MCC Floor Limit

Category

Code






15 May 2013B-52

3681 D ADAMS MARK HOTELS

3682 D SAJARA HOTEL AND CASINO

3683 D BRADBURY SUITES

3684 D BUDGET HOST INNS

3685 D BUDGETEL INNS

3686 D SUSSE CHALET

3687 D CLARION HOTELS

3688 D COMPRI HOTELS

3689 D CONSORT HOTELS

3690 D COURTYARD BY MARRIOTT

3691 D DILLON INNS

3692 D (Includes GUEST QUARTERS)

3693 D DRURY INNS

3694 D ECONOMY INNS OF AMERICA

3695 D EMBASSY SUITES

3696 D EXEL INNS

3697 D FAIRFIELD HOTELS

3698 D HARLEY HOTELS

3699 D MIDWAY MOTOR LODGE

3700 D MOTEL 6

3701 D LA MANSION DEL RIO

3702 D THE REGISTRY HOTELS

3703 D RESIDENCE INNS

3704 D ROYCE HOTELS

3705 D SANDMAN INNS

3706 D SHILO INNS

3707 D SHONEY'S INNS

3708 D VIRGIN RIVER HOTEL AND CASINO

3709 D SUPER 8 MOTELS

3710 D THE RITZ-CARLTON

3711 D FLAG INNS (AUSTRALIA)

3712 D BUFFALO BILL'S HOTEL AND CASINO

3713 D QUALITY PACIFIC HOTEL

3714 D FOUR SEASONS HOTEL (AUSTRALIA)

3715 D FAIRFIELD INN

3716 D CARLTON HOTELS



MCC Floor Limit

Category

Code






B-5315 May 2013

3717 D CITY LODGE HOTELS

3718 D KAROS HOTELS

3719 D PROTEA HOTELS

3720 D SOUTHERN SUN HOTELS

3721 D HILTON CONRAD

3722 D WYNDHAM

3723 D RICA HOTELS

3724 D INTER NOR HOTELS

3725 D SEA PINES RESORT

3726 D RIO SUITES

3727 D BROADMOOR HOTEL

3728 D BALLY'S HOTEL AND CASINO

3729 D JOHN ASCUAGA'S NUGGET

3730 D MGM GRAND HOTEL

3731 D HARRAH'S HOTELS AND CASINOS

3732 D OPRYLAND HOTEL

3734 D HARVEY/BRISTOL RESORTS

3735 D MASTERS ECONOMY INNS

3736 D COLORADO BELLE/ EDGEWATER

RESORT

3737 D RIVIERA HOTEL AND CASINO

3738 D TROPICANA RESORT & CASINO

3739 D WOODSIDE HOTELS & RESORTS

3740 D TOWNEPLACE SUITES

3741 D MILLENNIUM HOTELS

3742 D CLUB MED

3743 D BILTMORE HOTELS & SUITES

3744 D CAREFREE RESORTS

3745 D ST. REGIS HOTEL

3746 D THE ELIOT HOTEL

3747 D CLUBCORP/CLUBRESORTS

3748 D WELLESLEY INNS

3749 D THE BEVERLY HILLS HOTEL

3750 D CROWNE PLAZA HOTELS

3751 D HOMEWOOD SUITES

3752 D PEABODY HOTELS

3753 D GREENBRIAR RESORTS



MCC Floor Limit

Category

Code






15 May 2013B-54

3754 D AMELIA ISLAND PLANTATION

3755 D THE HOMESTEAD

3757 D CANYON RANCH

3758 D KAHALA MANDARIN ORIENTAL HOTEL

3759 D THE ORCHID AT MAUNA LANI

3760 D HALEKULANI HOTEL/WAIKIKI PARC

3761 D PRIMADONNA HOTEL AND CASINO

3762 D WHISKEY PETE'S HOTEL AND CASINO

3763 D CHATEAU ELAN WINERY AND RESORT

3764 D BEAU RIVAGE HOTEL AND CASINO

3765 D BELLAGIO

3766 D FREMONT HOTEL AND CASINO

3767 D MAIN STREET STATION HOTEL AND

CASINO

3768 D SILVER STAR HOTEL AND CASINO

3769 D STRATOSPHERE HOTEL AND CASINO

3770 D SPRINGHILL SUITES

3771 D CAESAR'S HOTEL AND CASINO

3772 D NEMACOLIN WOODLANDS

3773 D THE VENETIAN RESORT HOTEL CASINO

3774 D NEW YORK-NEW YORK HOTEL +

CASINO

3775 D SAND'S RESORT

3776 D NEVELE GRAND RESORT AND COUNTRY

CLUB

3777 D MANDALAY BAY RESORT

3778 D FOUR POINTS HOTELS

3779 D W HOTELS

3780 D DISNEY RESORTS

3781 D PATRICIA GRAND RESORT HOTELS

3782 D ROSEN HOTELS AND RESORTS

3783 D TOWN AND COUNTRY RESORT &

CONVENTION CENTER

3784 D FIRST HOSPITALITY HOTELS

3785 D OUTRIGGER HOTELS AND RESORTS

3786 D OHANA HOTELS OF HAWAII

3787 D CARIBE ROYAL RESORTS

3788 D ALA MOANA HOTEL



MCC Floor Limit

Category

Code






B-5515 May 2013

3789 D SMUGGLER'S NOTCH RESORT

3790 D RAFFLES HOTELS

3791 D STAYBRIDGE SUITES

3792 D CLARIDGE CASINO HOTEL

3793 D FLAMINGO HOTELS

3794 D GRAND CASINO HOTELS

3795 D PARIS LAS VEGAS HOTEL

3796 D PEPPERMILL HOTEL CASINO

3797 D ATLANTIC CITY HILTON RESORTS

3798 D EMBASSY VACATION RESORT

3799 D HALE KOA HOTEL

3800 D HOMESTEAD SUITES

3801 D WILDERNESS HOTEL & RESORT

3807 D ELEMENT

3808 D LXR

3811 D PREMIER INN

3812 D HYATT PLACE

3813 D HOTEL INDIGO

3814 D THE ROOSEVELT HOTEL NY

3815 D NICKELODEON FAMILY SUITES BY

HOLIDAY INN

3818 D MAINSTAY SUITES

3819 D OXFORD SUITES

3820 D JUMEIRAH ESSEX HOUSE

3821 D CARIBE ROYALE

3823 D GRAND SIERRA RESORT

3824 D ARIA

3825 D VDARA

3827* D GALT HOUSE

3828** D COSMOPOLITAN OF LAS VEGAS

3826* D AUTOGRAPH

4011 B Railroads

4111 I Local and Suburban Commuter Passenger

Transportation, including Ferries

4112 B Passenger Railways

4119 I Ambulance Services

4121 I Taxicabs and Limousines



MCC Floor Limit

Category

Code






15 May 2013B-56

4131 I Bus Lines

4214 I Motor Freight Carriers and

Trucking—Local and Long Distance,

Moving and Storage Companies and Local

Delivery

4215 I Courier Services—Air or Ground and

Freight Forwarders

4225 I Public Warehousing—Farm Products,

Refrigerated Goods, Household Goods and

Storage

4411 I Steamship Lines and Cruise Lines

4457 I Boat Rentals and Leasing

4457 I Rentals—Boats

4468 I Marinas, Marine Service and Supplies

4511 A Airlines and Air Carriers

4582 I Airports, Flying Fields and Airport

Terminals

4722 H Travel Agencies and Tour Operators

4723 H Package Tour Operators (Germany Only)

4784 I Toll and Bridge Fees

4789 I Transportation Services—Not Elsewhere

Classified

4812 I Telecommunications Equipment and

Telephone Sales

4814 I Telecommunication Services, Including

Local and Long Distance Calls, Credit Card

Calls, Calls through Use of Magnetic

Stripe-Reading Telephones and Fax

Services

4816 I Computer Network/Information Services

4821 I Telegraph Services

4829 O Wire Transfer Money Orders

4899 I Cable and Other Pay Television Services

4900 I Utilities—Electric, Gas, Water and

Sanitary

5013 I Motor Vehicle Supplies and New Parts

5021 I Office and Commercial Furniture

5039 I Construction Materials, Not Elsewhere

Classified

5044 I Office, Photographic, Photocopy andMicrofilm Equipment



MCC Floor Limit

Category

Code






B-5715 May 2013

5045 I Computers, Computer PeripheralEquipment and Software

5046 I Commercial Equipment, Not Elsewhere

Classified

5047 I Dental/Laboratory/Medical/Ophthalmic

Hospital Equipment and Supplies

5051 I Metal Service Centres and Offices

5065 I Electrical Parts and Equipment

5072 I Hardware Equipment and Supplies

5074 I Plumbing and Heating Equipment and

Supplies

5085 I Industrial Supplies, Not Elsewhere

Classified

5094 I Precious Stones and Metals, Watches and

Jewellery

5099 I Durable Goods, Not Elsewhere Classified

5111 I Stationery, Office Supplies and Printing

and Writing Paper

5122 I Drugs, Drug Proprietaries and Druggists’

Sundries

5131 I Piece Goods, Notions and Other Dry

Goods

5137 I Men’s, Women’s and Children’s Uniforms

and Commercial Clothing

5139 I Commercial Footwear

5169 I Chemicals and Allied Products, Not


5172 I Petroleum and Petroleum Products

5192 I Books, Periodicals and Newspapers

5193 I Florists’ Supplies, Nursery Stock and

Flowers

5198 I Paints, Varnishes and Supplies

5199 I Nondurable Goods, Not Elsewhere

Classified

5200 I Home Supply Warehouse Stores

5211 I Lumber and Building Materials Stores

5231 I Glass, Paint and Wallpaper Stores

5251 I Hardware Stores

5261 I Nurseries and Lawn and Garden Supply

Stores

5271 I Mobile Home Dealers



MCC Floor Limit

Category

Code






15 May 2013B-58

5300 I Wholesale Clubs

5309 I Duty Free Stores

5310 I Discount Stores

5311 I Department Stores

5331 I Variety Stores

5399 I Miscellaneous General Merchandise

5411 I Grocery Stores and Supermarkets

5422 I Freezer and Locker Meat Provisioners

5422 I Meat Provisioners—Freezer and Locker

5441 I Candy, Nut and Confectionery Stores

5451 I Dairy Products Stores

5462 I Bakeries

5499 I Miscellaneous Food Stores—Convenience

Stores and Speciality Markets

5511 I Car and Truck Dealers (New and Used)—

Sales, Service, Repairs, Parts and Leasing

5521 I Car and Truck Dealers (Used

Only)—Sales, Service, Repairs, Parts and

Leasing

5532 I Automotive Tyre Stores

5533 I Automotive Parts and Accessories Stores

5541 I Service Stations (with or without ancillary

services)

5542 I Automated Fuel Dispensers

5551 I Boat Dealers

5561 I Camper, Recreational and Utility Trailer

Dealers

5571 I Motorcycle Shops and Dealers

5592 I Motor Home Dealers

5598 I Snowmobile Dealers

5599 I Miscellaneous Automotive, Aircraft and

Farm Equipment Dealers—Not Elsewhere

Classified

5611 I Men’s and Boys’ Clothing and Accessories

Stores

5621 I Women’s Ready-To-Wear Stores

5631 I Women’s Accessory and Speciality Shops

5641 I Children’s and Infants’ Wear Stores

5651 I Clothing—Family



MCC Floor Limit

Category

Code






B-5915 May 2013

5651 I Family Clothing Stores

5655 I Sports and Riding Apparel Stores

5661 I Shoe Stores

5681 I Furriers and Fur Shops

5691 I Men’s and Women’s Clothing Stores

5697 I Tailors, Seamstresses, Mending and

Alterations

5698 I Wig and Toupee Stores

5699 I Miscellaneous Apparel and Accessory

Stores5712 I Furniture, Home Furnishings and

Equipment Stores, Except Appliances

5713 I Floor Covering Stores

5714 I Drapery, Window Covering and

Upholstery Stores

5718 I Fireplaces, Fireplace Screens and

Accessories Stores

5719 I Miscellaneous Home Furnishing Speciality

Stores

5722 I Appliance Stores (Not ElsewhereClassified)

5722 I Household Appliance Stores

5732 I Electronic Stores

5733 I Music Stores—Musical Instruments,

Pianos and Sheet Music

5734 I Computer Software Stores

5735 I Record Stores

5811 I Caterers

5812 F Eating Places and Restaurants

5813 I Drinking Places (Alcoholic

Beverages)—Bars, Taverns, Nightclubs,

Cocktail Lounges and Discotheques

5814 F Fast Food Restaurants

5912 I Drug Stores and Pharmacies

5921 I Package Stores—Beer, Wine and Liquor

5931 I Used Merchandise and Secondhand

Stores

5932 I Antique Shops—Sales, Repairs and

Restoration Services

5933 I Pawn Shops



MCC Floor Limit

Category

Code






15 May 2013B-60

5935 I Wrecking and Salvage Yards

5937 I Antique Reproductions

5940 I Bicycle Shops—Sales and Service

5941 I Sporting Goods Stores

5942 I Book Stores

5943 I School, Stationery and Office Supply

Stores

5944 I Jewellery, Watch, Clock and Silverware

Stores

5945 I Hobby, Toy and Game Stores5946 I Camera and Photographic Supply Stores

5947 I Gift, Card, Novelty and Souvenir Stores

5948 I Luggage and Leather Goods Stores

5949 I Sewing, Needlework, Fabric and Piece

Goods Stores

5950 I Glassware and Crystal Stores

5960 J Direct Marketing—Insurance Services

5962 J Direct Marketing—Travel Related

Arrangement Services

5963 I Door-to-Door Sales

5964 J Direct Marketing—Catalogue Merchants

5965 J Direct Marketing—Combination

Catalogue and Retail Merchants

5966 J Direct Marketing—Outbound


5967 J Direct Marketing—Inbound Telemarketing

Merchants

5967 I Inbound Teleservices Merchants

5968 J Direct Marketing— Continuity/Subscription Merchants

5969 J Direct Marketing/Direct Marketers—Not


5970 I Artist Supply and Craft Stores

5971 I Art Dealers and Galleries

5972 I Stamp and Coin Stores

5973 I Religious Goods Stores

5975 I Hearing Aids—Sales, Service and Supplies

5976 I Orthopaedic Goods and Prosthetic

Devices



MCC Floor Limit

Category

Code






B-6115 May 2013

5977 I Cosmetic Stores

5978 I Typewriter Stores—Sales, Service and

Rentals

5983 I Fuel Dealers—Fuel Oil, Wood, Coal and

Liquefied Petroleum

5992 I Florists

5993 I Cigar Stores and Stands

5994 I News Dealers and Newsstands

5995 I Pet Shops, Pet Foods and Supplies

5996 I Swimming Pools—Sales, Supplies andService

5997 I Electric Razor Stores—Sales and Service

5998 I Tent and Awning Shops

5999 I Miscellaneous and Speciality Retail Stores

6010 L Financial Institutions—Manual Cash

Disbursements

6011 L Financial Institutions—Automated Cash

Disbursements

6012 I Financial Institutions—Merchandise and

Services

6051 O Non-Financial Institutions—Foreign

Currency, Money Orders (not wire

transfer) and Travelers’ Cheques

6211 I Security Brokers and Dealers

6300 I Insurance Sales, Underwriting and

Premiums

6513 I Real Estate Agents and

Managers—Rentals

7011 D Lodging—Hotels, Motels and Resorts

7012 I Time-shares

7032 I Sporting and Recreational Camps

7033 I Trailer Parks and Campgrounds

7210 I Laundry, Cleaning and Garment Services

7211 I Laundry Services—Family and Commercial

7216 I Dry Cleaners

7217 I Carpet and Upholstery Cleaning

7221 I Photographic Studios

7230 I Beauty and Barber Shops

7251 I Hat Cleaning Shops



MCC Floor Limit

Category

Code






15 May 2013B-62

7251 I Shoe Repair Shops, Shoe Shine Parloursand Hat Cleaning Shops

7261 I Funeral Services and Crematoriums

7273 I Dating and Escort Services

7276 I Tax Preparation Services

7277 I Counselling Services—Debt, Marriage,

Personal

7278 I Buying and Shopping Services and Clubs

7296 I Clothing Rental—Costumes, Uniforms and

Formal Wear

7296 I Formal Wear—Rentals

7297 I Massage Parlours

7298 I Health and Beauty Spas

7299 I Miscellaneous Personal Services—Not


7311 I Advertising Services

7321 I Consumer Credit Reporting Agencies

7333 I Commercial Photography, Art and

Graphics

7338 I Quick Copy, Reproduction and

Blueprinting Services

7339 I Stenographic and Secretarial Support

Services

7342 I Exterminating and Disinfecting Services

7349 I Cleaning and Maintenance, Janitorial

Services

7361 I Employment Agencies and Temporary

Help Services

7372 I Computer Programming, Data Processing,

Integrated Systems and Design Services

7375 I Information Retrieval Services

7379 I Computer Maintenance and Repair

Services, Not Elsewhere Classified

7392 I Management Consulting and Public

Relations Services

7393 I Detective Agencies, Protective Agencies

and Security Services, including Armoured

Cars and Guard Dogs

7394 I Equipment, Tool, Furniture and Appliance

Rental and Leasing



MCC Floor Limit

Category

Code






B-6315 May 2013

7395 I Photo finishing Laboratories and PhotoDeveloping

7399 I Business Services, Not Elsewhere

Classified

7512 C Automobile Rental Agency

7513 I Truck and Utility Trailer Rentals

7519 I Motor Home and Recreational Vehicle

Rentals

7523 I Parking Lots and Garages - Renamed

Parking Lots, Parking Meters and Garages

7531 I Automotive Body Repair Shops

7534 I Tyre Retreading and Repair Shops

7535 I Automotive Paint Shops

7538 I Automotive Service Shops (Non-Dealer)

7542 I Car Washes

7549 I Towing Services

7622 I Electronics Repair Shops

7623 I Air Conditioning Repair Shops

7623 I Refrigeration Repair Shops

7629 I Appliance Repair Shops

7629 I Electrical Repair Shops

7629 I Repair Shops—Electrical and Small

Appliances

7631 I Watch, Clock and Jewellery Repair Shops

7641 I Furniture—Re-upholstery, Repair and

Refinishing

7692 I Welding Services,

7699 I Miscellaneous Repair Shops and Related

Services

7829 I Motion Pictures and Video Tape

Production and Distribution

7832 I Motion Picture Theatres

7841 I DVD/Video Tape Rental Stores

7911 I Dance Halls, Studios and Schools

7922 I Theatrical Producers (Except Motion

Pictures) and Ticket Agencies

7929 I Bands, Orchestras and Miscellaneous

Entertainers, Not Elsewhere Classified

7932 I Billiard and Pool Establishments



MCC Floor Limit

Category

Code






15 May 2013B-64

7933 I Bowling Alleys

7941 I Commercial Sports, Professional Sports

Clubs, Athletic Fields and Sports

Promoters

7991 I Tourist Attractions and Exhibits

7992 I Public Golf Courses

7993 I Video Amusement Game Supplies

7994 I Video Game Arcades and Establishments

7995 I Betting, including Lottery Tickets, Casino

Gaming Chips, Off-Track Betting and

Wagers at Race Tracks

7996 I Amusement Parks, Circuses, Carnivals and

Fortune Tellers

7997 I Membership Clubs (Sports, Recreation,

Athletic), Country Clubs and Private Golf

Courses

7998 I Aquariums, Seaquariums, Dolphinariums

7999 I Recreational Services—Not Elsewhere

Classified

8011 I Doctors and Physicians—Not Elsewhere

Classified

8021 I Dentists and Orthodontists

8031 I Osteopaths

8041 I Chiropractors

8042 I Optometrists and Ophthalmologists

8043 I Opticians, Optical Goods and Eyeglasses

8049 I Podiatrists and Chiropodists

8050 I Convalescent Homes

8050 I Nursing and Personal Care Facilities

8062 P Hospitals

8071 I Medical and Dental Laboratories

8099 I Medical Services and Health Practitioners,

Not Elsewhere Classified

8111 I Legal Services and Attorneys

8211 I Elementary and Secondary Schools

8220 I Colleges, Universities, Professional

Schools and Junior Colleges

8241 I Correspondence Schools

8244 I Business and Secretarial Schools

8249 I Trade and Vocational Schools



MCC Floor Limit

Category

Code






B-6515 May 2013

8299 I Schools and Educational Services—NotElsewhere Classified

8351 I Child Care Services

8398 I Charitable and Social Service

Organisations

8641 I Civic, Social and Fraternal Associations

8651 I Political Organisations

8661 I Religious Organisations

8675 I Automobile Associations

8699 I Membership Organisations—NotElsewhere Classified

8699 I Professional Organizations

8734 I Testing Laboratories (Non-Medical)

8911 I Architectural, Engineering and Surveying

Services

8931 I Accounting, Auditing and Bookkeeping

Services

8999 I Professional Services, Not Elsewhere

Classified

9211 I Court Costs, including Alimony and ChildSupport

9222 I Fines

9223 I Bail and Bond Payments

9311 I Tax Payments

9399 I Government Services—Not Elsewhere

Classified

9402 I Postal Services—Government Only

9405 I Intra-Government

Purchases—Government Only

9700 I International Automated Referral Service

(for Visa use only)

9701 I Visa Credential Server (for Visa use only)

9702 I GCAS Emergency Services

(for Visa use only)

9950 I Intra-Company Purchases



MCC Floor Limit

Category

Code








C-115 May 2013

Maximum Authorized Floor Limits

Each Acquirer, at its discretion, assigns Floor Limits for its Merchants. However, certain maximumauthorized 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 I—General 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 Zero Floor Limits

Transaction Type MCC Non-Chip

Floor Limit

Chip Floor

Limit

Effective Date

ATM Transactions All 0 0

Cardholder-Activated

Transactions Types B and C—for

exceptions, see Floor Limits for


Transactions, Types B and C

below

All 0 0 Until 14 October 2011

Cash Disbursements All 0 0

Electronic Commerce

Transactions

All 0 0

Instalment Transactions All 0 0

In-Transit Service Transactions

except on Cruise Lines (see

Table C-3)

All 0 0

Mail/Phone Order Transactions All 0 0

Online Financial Transactions All 0 0

Quasi-Cash Transactions All 0 0





15 May 2013C-2

Recurring Transactions All 0 0

Transactions originating at aMerchant Outlet identified by the

Merchant Fraud Performance

indicator “1” or “3” in the special

condition indicator field of the

Clearing Record

All 0 0

Transactions where all of the

following apply:

• Card is unembossed;

• Transaction takes place in a

Face-to-Face Environment;

and

• Account Number is key-entered into a Point of

Transaction Terminal.

All 0 0

Transactions where the Card

bears the legend “Electronic Use

Only”

All 0 0

Transactions where the Chip or

Chip-Reading Device is

inoperative at a Merchant that

accepts Chip Transactions

All 0 0

Transactions with an

Unrecognised Service Code

originating at a Point-of-

Transaction Terminal with Online

capability

All 0 0

Visa Electron Transactions

originating at a Visa Electron

Merchant

All 0 0

Table C-1 Zero Floor Limits (Continued)

Transaction Type MCC Non-Chip

Floor Limit

Chip Floor

Limit

Effective Date





C-315 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.

FLOOR LIMITS FOR TRANSACTIONS ON CRUISE SHIPS

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


Terminals outside the Territory

(excluding MCC 4111, 4112, 4131,4784 and 7523)

0 EUR 40 15 October 2011


Terminals within the Territory

4111

4112

4131

4784

7523

EUR 40 EUR 40 15 October 2011


Terminals within the Territory

(excluding MCC 4111, 4112, 4131,

4784 and 7523)

0 EUR 40 15 October 2011

Table C-3 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





15 May 2013C-4

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 country’s

respective currency or US dollars.

Table C-4 Default Floor Limits for All Countries Not Listed (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 500 500

Car Rental Companies All 250 250


Transactions Types B & C


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





C-515 May 2013

COUNTRY-SPECIFIC FLOOR LIMITS

Table C-5 ANDORRA (€)


Floor Limit

Chip Floor

Limit

Effective Date





All 0 40 Until 14 October 2011, see

Table C-2


Hotels All 240 240






All Other Merchants All 150 150

Table C-6 ANTIGUA (Default Floor Limits)


Floor Limit

Chip Floor

Limit

Effective Date

Financial Institutions/

Merchandise and Services

6012 0 150

All Other Merchants Default Floor

Limits

Default Floor

Limits

Table C-7 ARGENTINA (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 500

Car Rental Companies All 250



All 0 Until 14 October 2011, see

Table C-2

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 0

Travel Agencies All 500

All Other Merchants All 100





15 May 2013C-6

Table C-8 AUSTRALIA (Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 0

Railroads All 0Car Rental Companies All 0

Hotels All 0

Special Hotels All 0

Restaurants All 0



Hospitals All 0

Business Services, Not Elsewhere

Classified

7399 0

Telecommunications Services 4814 0

Computer Network/Information

Services

4816 0


Dating and Escort Services 7273 0




Table C-2

Table C-9 AUSTRIA (€)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 910 910










Table C-2





C-715 May 2013

Table C-10 BAHRAIN (Dinar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 300


Hotels All 300


Restaurants All 100



Hospitals All 300


Cardholder-ActivatedTransactions Types B & C

All 0 Until 14 October 2011, see Table C-2

Table C-11 BANGLADESH (Taka)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 15,000

Railroads All 4,000

Car Rental Companies All 6,000

Hotels All 15,000Special 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




Table C-2





15 May 2013C-8

Table C-12 BELGIUM (€)


Floor Limit

Chip Floor

Limit

Effective Date


Virgin Express 3188 0 745Railroads All 175 175


Hotels All 620 620










Table C-2

Table C-13 BENIN (CFA Franc)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 200,000

Railroads All 50,000


Hotels All 165,000










Table C-2

Table C-14 BRAZIL (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0





C-915 May 2013


Travel Agencies All 0Hospitals All 0





Table C-2

Table C-15 BRUNEI (Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0



Hospitals All 0

Toll and Bridge Fees 4784 25

Duty Free Stores 5309 375

Fast Food Restaurants 5814 25

Parking Lots and Garages 7523 25

Motion Picture Theaters 7832 25





Table C-2

Table C-16 BURKINA FASO (CFA Franc)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 165,000





Table C-14 BRAZIL (US Dollar) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-10


All Other Merchants All 90,000Cardholder-Activated



Table C-2

Table C-17 CAMBODIA (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0



Hospitals All 0










Table C-2

Table C-18 CAMEROON (CFA Franc)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 165,000





Table C-16 BURKINA FASO (CFA Franc) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





C-1115 May 2013





Table C-2

Table C-19 CANADA (Dollar)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 300 300

Special Hotels All 500 500





Service Stations 5541 50 50


Business Services--Not


7399 0 0




Table C-2

Grocery Stores/Supermarkets 5411 0 150

Table C-20 CENTRAL AFRICAN REPUBLIC (CFA Franc)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 165,000










Table C-2

Table C-18 CAMEROON (CFA Franc) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-12

Table C-21 CHAD (CFA Franc)


Floor Limit

Chip Floor

Limit

Effective Date


Railroads All 50,000Car Rental Companies All 75,000

Hotels All 165,000









Table C-22 CHILE (Default Floor Limit)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines and Air Carriers, Not

Listed Elsewhere

4511 0 Default Floor

Limits

All Other Categories Default Floor

Limits

Default Floor

Limits

Table C-23 CHINA (Renminbi)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0



Hospitals All 0


Duty Free Stores 5309 1,650




Table C-2





C-1315 May 2013

Table C-24 COLOMBIA (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

The Floor Limit for all Merchant

categories is zero

Table C-25 CONGO (CFA Franc)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 165,000










Table C-2

Table C-26 COSTA RICA (Colon)


Floor Limit

Chip Floor

Limit

Effective Date


categories is zero

Table C-27 CROATIA (Croatia Kuna)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 2,000

Railroads All 500


Hotels All 3,000









15 May 2013C-14

Hospitals All 2,000

All Other Merchants All 500Cardholder-Activated



Table C-2

Table C-28 CYPRUS (€)


Floor Limit

Chip Floor

Limit

Effective Date


Railroads 4011 115 115


Hotels All 430 430


Restaurants 5812 175 175

Special Restaurants 5812 520 520

Travel Agencies 4722 430 430

Hospitals 8062 430 430


Automated Fuel Dispensers 5542 175


All 0 40 From 1 January 2008Until 14 October 2011, see

Table C-2

Table C-29 CZECH REPUBLIC (Czech Crown)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 15,000 15,000

Railroads All 5,000 5,000

Car Rental Companies All 7,000 7,000

Hotels All 15,000 15,000


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

Table C-27 CROATIA (Croatia Kuna) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





C-1515 May 2013



All 0 1,000 Until 14 October 2011


Terminals (excluding MCC 4111,

4112, 4131, 4784 and 7523)

0 1,000 15 October 2011


Terminals

4111

4112

4131

4784

7523

1,000 1,000 15 October 2011

Table C-30 DENMARK (Krona)

Merchant Type MCC Non-ChipFloor Limit

Chip FloorLimit

Effective Date




Hotels All 3,200 3,200







Music Stores--Musical

Instruments, Pianos, and Sheet

Music

5733 0 1,400






4112, 4131, 4784 and 7523)

0 250 15 October 2011


Terminals

4111

4112

4131

4784

7523

250 250 15 October 2011

Table C-31 DOMINICAN REPUBLIC (Peso)


Floor Limit

Chip Floor

Limit

Effective Date

The Floor Limit for all Merchantcategories is zero

Table C-29 CZECH REPUBLIC (Czech Crown) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-16

Table C-32 ECUADOR (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date


categories is zero

Table C-33 EL SALVADOR (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date


categories is zero

Table C-34 ESTONIA (€)


Floor Limit

Chip Floor

Limit

Effective Date


Railroads All 35 35


Hotels All 60 60





Hospitals All 35 35







4112, 4131, 4784 and 7523)

0 30 15 October 2011


Terminals

4111

4112

4131

47847523

30 30 15 October 2011





C-1715 May 2013

Table C-35 FIJI (Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 800


Hotels All 1,145


Restaurants All 300



Hospitals All 1,145




Table C-36 FINLAND (€)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 335 335Special Hotels All 1,600 1,600









Table C-2

Telecommunications Equipment 4812 0 135





15 May 2013C-18

Table C-37 FRANCE (€)


Floor Limit

Chip Floor

Limit

Effective Date


Air France 3007 0 0Railroads All 130 130


Hotels All 230 230






Toll and Bridge Fees 4784 40 40

Department Stores 5311 190 190

Supermarkets/Grocery Stores 5411 130 130

Agricultural Co-operatives 0763 130 130

Ambulance Services 4119 190 190

Paint and Wallpaper Stores 5231 130 130

Hardware Stores 5251 130 130

Home Supply Warehouse Stores 5200 0 0

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 0 100

Computer Programming,

Integrated Systems and Design

Services

7372 0 100

Computer Software Stores 5734 0 100

Florists 5992 130 130

Dance Halls, Studios, and

Schools

7911 130 130

Theatrical Productions (except

Motion Pictures) and Ticket

Agencies

7922 130 130





C-1915 May 2013

Membership Clubs 7997 190 190

Amusement and RecreationServices

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





Table C-2

Table C-38 FRENCH POLYNESIA (CFP Franc)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 90,000










Table C-2

Table C-39 GABON (CFA Franc)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 165,000




Table C-37 FRANCE (€) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-20


Hospitals All 165,000All Other Merchants All 90,000




Table C-2

Table C-40 GERMANY (€)


Floor Limit

Chip Floor

Limit

Effective Date



Listed Elsewhere

4511 0 765

Alitalia 3013 0 765

Oman Aviation Services 3183 0 765



Hotels All 615 615






Miscellaneous General

Merchandise

5399 0 255

Telecommunications Services 4814 0 255

Professional Services, Not


8999 0 255


Drug Stores and Pharmacies 5912 0 50


Betting, including Lottery Tickets,

Casino Gaming Chips, Off-Track

Betting, and Wagers at Race

Tracks

7995 0 255




Table C-2

Table C-39 GABON (CFA Franc) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





C-2115 May 2013

Table C-41 GIBRALTAR (€)


Floor Limit

Chip Floor

Limit

Effective Date


Railroads All 120 120Car Rental Companies All 200 200

Hotels All 400 400








All 0 40 Until 14 October 2011, see Table C-2

Table C-42 GREECE (€)


Floor Limit

Chip Floor

Limit

Effective Date



Listed Elsewhere

4511 0 240

Railroads All 25 25


Hotels All 240 240







Service Stations 5541 40 40Family Clothing Stores 5651 55 55





Table C-2

Health and Beauty Spas 7298 0 0

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





15 May 2013C-22

Table C-43 GREENLAND (Danish Krona)


Floor Limit

Chip Floor

Limit

Effective Date



Hotels All 400 400











4112, 4131, 4784 and 7523)

0 40 15 October 2011


Terminals

4111

4112

4131

4784

7523

40 40 15 October 2011

Table C-44 GUATEMALA (Quetzal)


Floor Limit

Chip Floor

Limit

Effective Date


categories is zero

Table C-45 HONDURAS (Lempiras)


Floor Limit

Chip Floor

Limit

Effective Date


categories is zero

Table C-46 HONG KONG (Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0






C-2315 May 2013

Restaurants All 0

Special Restaurants All 0Travel Agencies All 0

Hospitals All 0

Supermarkets/Grocery Stores 5411 0





All 0

Table C-47 HUNGARY (Forints)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 50,000 50,000



Special Restaurants All 30,000 30,000Travel Agencies All 50,000 50,000


Medical Services and Health

Practitioners--Not Elsewhere

Classified

8099 20,000 20,000


Taxicabs and Limousines 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

Supermarkets/Grocery Stores 5411 5,000 5,000


Automated Fuel Dispenser 5542 0 0

Record Stores 5735 5,000 5,000

Drinking Places (Bars, Taverns

Nightclubs, Cocktail Lounges,

and Discotheques)

5813 0 0

Drug Stores and Pharmacies 5912 5,000 5,000

Table C-46 HONG KONG (Dollar) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-24

Direct Marketing/Direct

Marketers--Not Elsewhere

Classified

5969 0 0

Florists 5992 5,000 5,000

News Dealers and Newsstands 5994 5,000 5,000

Miscellaneous and Speciality

Retail Stores

5999 0 0

Theatrical Producers (Except

Motion Pictures) and Ticket

Agencies

7922 5,000 5,000






4112, 4131, 4784 and 7523)

0 8,200 15 October 2011


Terminals

4111

4112

4131

4784

7523

8,200 8,200 15 October 2011

Table C-48 ICELAND (Krona)


Chip FloorLimit

Effective Date




Hotels All 30,000 30,000







Services

All 0 15,000


Table C-47 HUNGARY (Forints) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





C-2515 May 2013






4112, 4131, 4784 and 7523)

0 2,700 15 October 2011


Terminals

4111

4112

4131

4784

7523

2,700 2,700 15 October 2011

Table C-49 INDIA (Rupee)


Chip FloorLimit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0



Hospitals All 0

Toll and Bridge Fees 4784 1,250


Service Stations 5541 1,000

Fast Food Restaurants 5814 1,250

Parking Lots and Garages 7523 1,250

Motion Picture Theaters 7832 1,250





Table C-2

Table C-48 ICELAND (Krona) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-26

Table C-50 INDONESIA (Indonesian Rupiah)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 0


Hotels All 0


Restaurants All 0



Hospitals All 0

Toll and Bridge Fees 4784 240,000 240,000

Duty Free Stores 5309 950,000 950,000

Fast Food Restaurants 5814 240,000 240,000

Motion Picture Theaters 7832 240,000 240,000





Table C-2

Table C-51 ISRAEL (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date










Direct Marketing--Inbound


5967 0 50


Computer Software Services 5734 0 200

Recreational Services 7999 0 200

Professional Services 8999 0 200


Drug Stores and Pharmacies 5912 0 200





C-2715 May 2013

Betting, Including Lottery Tickets,



Tracks

7995 0 200






4112, 4131, 4784 and 7523)

0 40 15 October 2011


Terminals

4111

4112

4131

4784

7523

40 40 15 October 2011

Table C-52 ITALY (€)


Floor Limit

Chip Floor

Limit

Effective Date



Listed Elsewhere

4511 0 515

Alitalia 3013 0 515


Passenger Railways 4112 130 130


Hotels All 440 440





4722 0 515




Merchandise

5399 0 130

Recreational Services 7999 0 130

Financial Institutions--

Merchandise and Services

6012 0 130

Government Services, Not


9399 0 130

Table C-51 ISRAEL (US Dollar) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-28





Table C-53 IVORY COAST (CFA Franc)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 165,000










Table C-2

Table C-54 JAPAN (Yen)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 180,000 180,000


Railroads 4011 0 100,000

Car Rental Companies All 0 100,000

Hotels All 300,000 300,000

Special Hotels All 0 375,000

Restaurants All 0 100,000

Special Restaurants All 0 100,000

Travel Agencies All 0 180,000

Hospitals All 0 300,000

Department Stores 5311 0 30,000

Electronic Sales 5732 0 30,000

All Other Merchants All 0 30,000



Table C-52 ITALY (€) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





C-2915 May 2013

Toll and Bridge Fees 4784 0 30,000

Passenger Railways 4112 0 0Taxicabs and Limousines 4121 0 30,000

Grocery Stores and

Supermarkets

5411 0 30,000


Merchandise

5399 0 30,000

Miscellaneous Speciality Retail 5999 0 30,000

Table C-55 KENYA (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 1,000

Railroads All 200


Hotels All 1,000


Restaurants All 300



Hospitals All 1,000





Table C-2

Table C-56 KUWAIT (Dinar)


Floor Limit

Chip Floor

Limit

Effective Date


Kuwait Air 3038 0 150


Listed Elsewhere

4511 0 150

Railroads All 40 40


Hotels All 50 50




Travel Agencies and Tour

Operators

4722 0 100

Table C-54 JAPAN (Yen) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-30


All Other Merchants All 25 25Supermarkets All 50 50

Automated Fuel Dispensers 5542 25 0

Direct Marketing—Travel-Related

Arrangement Services (Excluding

Travel Agencies)

5962 0 0

Direct Marketing—Outbound


5966 0 0

Direct Marketing—Inbound

Teleservices Merchants

5967 0 0



Table C-57 LAOS (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0



Hospitals All 0










Table C-2

Table C-56 KUWAIT (Dinar) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





C-3115 May 2013

Table C-58 LATVIA (€)


Floor Limit

Chip Floor

Limit

Effective Date



Hotels All 400 400






Computer Software Services 5734 0 120





Table C-2

Table C-59 LEBANON (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 500

Railroads All 150

Car Rental Companies All 250Hotels All 500


Restaurants All 150



Hospitals All 500





Table C-2

Table C-60 LIECHTENSTEIN (€)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 400 400







15 May 2013C-32


Travel Agencies All 400 400Hospitals All 400 400





Table C-2

Table C-61 LITHUANIA (€)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 400 400






All Other Merchants All 120 120Cardholder-Activated



Table C-2

Table C-62 LUXEMBOURG (€)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 620 620






Medical Services and Health

Practitioners, Not Elsewhere

Classified

8099 0 620


Table C-60 LIECHTENSTEIN (€) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





C-3315 May 2013




Betting, Including Lottery Tickets,



Tracks

7995 0 250

Table C-63 MACAU (Pataca)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0



Hospitals All 0






Table C-2

Table C-64 MALAYSIA (Ringgit)


Floor Limit

Chip Floor

Limit

Effective Date


Airlines All 0Railroads All 0


Hotels All 0


Restaurants All 0



Table C-62 LUXEMBOURG (€) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-34

Hospitals All 0

All Other Merchants All 0Cardholder-Activated



Table C-2

Table C-65 MALI (CFA Franc)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 165,000










Table C-2

Table C-66 MALTA (€)


Floor Limit

Chip Floor

Limit

Effective Date


Railroads 4011 0 0


Hotels All 700 700



Special Restaurants 5812 470 470


Hospitals 8062 700 700





Table C-2

Table C-64 MALAYSIA (Ringgit) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





C-3515 May 2013

Table C-67 MAURITIUS (Rupee)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 3,000


Hotels All 10,000









Table C-68 MEXICO (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date


categories is zero

Table C-69 MONACO (€)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 400 400










Table C-2





15 May 2013C-36

Table C-70 MONTENEGRO (€)


Floor Limit

Chip Floor

Limit

Effective Date


categories is zero

Table C-71 MOROCCO (Dirham)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 5,000

Railroads All 1,000


Hotels All 2,500





Hospitals All 2,500





Table C-2

Table C-72 NEPAL (Rupee)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 25,000

Railroads All 5,000


Hotels All 25,000










Table C-2





C-3715 May 2013

Table C-73 NETHERLANDS (€)


Floor Limit

Chip Floor

Limit

Effective Date


Airlines and Air Carriers, NotListed Elsewhere

4511 100 100



Hotels All 590 590





Hospitals All 590 590Direct Marketing--Inbound


5967 0 45

Business Services--Not


7399 0 250


Services

4816 0 250





Table C-2

Table C-74 NEW ZEALAND (Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 1,000

Railroads All 300


Hotels All 1,000


Restaurants All 500



Hospitals All 1,000





Table C-2





15 May 2013C-38

Table C-75 NORWAY (Krone)


Floor Limit

Chip Floor

Limit

Effective Date


Norwegian Air Shuttle 3211 0 4,500Railroads All 850 850




Telecommunications Equipment 4812 0 1,500






Stores

5691 0 1,500







4112, 4131, 4784 and 7523)

0 265 15 October 2011


Terminals

4111

41124131

4784

7523

265 265 15 October 2011

Management Consulting and

Public Relation Services

7392 0 1,500




Tracks

7995 1,500

Table C-76 PAKISTAN (Rupee)


Floor Limit

Chip Floor

Limit

Effective Date


categories is zero

Table C-77 PANAMA (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date


categories is zero





C-3915 May 2013

Table C-78 PHILIPPINES (Philippine Peso)


Floor Limit

Chip Floor

Limit

Effective Date



Table C-79 POLAND (Polish Zlotys)


Floor Limit

Chip Floor

Limit

Effective Date
















4112, 4131, 4784 and 7523)

0 127 15 October 2011


Terminals

4111

4112

4131

4784

7523

127 127 15 October 2011

Supermarkets 5411 300 300


Sport Shops All 200 200

Table C-80 PORTUGAL (€)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 500 500








15 May 2013C-40


Hospitals All 500 500All Other Merchants All 100 100




Table C-2

Table C-81 PUERTO RICO (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date


categories is zero

Table C-82 QATAR (Riyal)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 3,000

Railroads All 560


Hotels All 3,000


Restaurants All 800



Hospitals All 3,000





Table C-2

Table C-83 REPUBLIC OF IRELAND (€)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 635 635





Table C-80 PORTUGAL (€) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





C-4115 May 2013


Betting, including Lottery Tickets,Casino Gaming Chips, Off-Track


Tracks

7995 0 190




Record Stores 5735 0 190

Miscellaneous Speciality Stores 5999 0 190

Video Game Arcades and

Establishments

7994 0 190





Table C-2

Aer Lingus 3043 0 635


Services

4816 0 190

Table C-84 Romania (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 250

Railroads All 20


Hotels All 200


Restaurants All 50



Hospitals All 100





Table C-2

Table C-83 REPUBLIC OF IRELAND (€) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-42

Table C-85 RUSSIAN REPUBLIC (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 200


Hotels All 200


Restaurants All 50



Hospitals All 100




Table C-86 SAN MARINO (€)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 400 400Special Hotels All 1,170 1,170









Table C-2

Table C-87 SAUDI ARABIA (Riyal)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 1,725

Railroads All 518


Hotels All 2,500


Restaurants All 800






C-4315 May 2013

Travel Agencies All 1,725 1725

Hospitals All 2,500All Other Merchants All 750




Table C-2

Table C-88 SENEGAL (CFA France)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 165,000










Table C-2

Table C-89 SEYCHELLES (Rupee)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 7,500

Railroads All 1,000


Hotels All 4,500





Hospitals All 4,500





Table C-2

Table C-87 SAUDI ARABIA (Riyal)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-44

Table C-90 SINGAPORE (Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 0


Hotels All 0


Restaurants All 0



Hospitals All 0









Table C-2

Table C-91 SLOVAKIA (€)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 400 400










Table C-2

Table C-92 SLOVENIA (€)


Floor Limit

Chip Floor

Limit

Effective Date








C-4515 May 2013

Hotels All 400 400

Special Hotels All 1,170 1,170Restaurants All 120 120








Table C-2

Table C-93 SOUTH AFRICA (Rand)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 1,000

Railroads All 800


Hotels All 1,500


Restaurants All 300

Special Restaurants All 1,000Travel Agencies All 1,000

Hospitals All 1,500





Table C-2

Table C-94 SOUTH KOREA (Won)


Floor Limit

Chip Floor

Limit

Effective Date


categories is zero

Table C-95 SPAIN (€)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 240 240

Table C-92 SLOVENIA (€) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-46


Restaurants All 90 90Special Restaurants All 480 480




Iberia 3102 0 510


Listed Elsewhere

4511 0 510


All Other Merchants All 150 150Cardholder-Activated



Table C-2

Household Appliance Stores 5722 0 150

Jewelry Stores 5944 0 150

Table C-96 SRI LANKA (Rupee)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0



Hospitals All 0

All Other Merchants All 0Duty Free Stores 5309 25,000




Table C-2

Table C-97 ST. KITTS & NEVIS (Eastern Caribbean Dollar)


Floor Limit

Chip Floor

Limit

Effective Date




Table C-95 SPAIN (€) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





C-4715 May 2013

Hotels All 500 500

Special Hotels All 1,500 1,500Restaurants All 150 150







Tracks

7995 0 150





Table C-2

Table C-98 SWEDEN (Krona)


Floor Limit

Chip Floor

Limit

Effective Date


Pakistan Airlines 3024 0 1,200















4112, 4131, 4784 and 7523)

0 315 15 October 2011


Terminals

4111

4112

4131

4784

7523

315 315 15 October 2011

Table C-97 ST. KITTS & NEVIS (Eastern Caribbean Dollar) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-48

Computer Software Stores 5734 0 1,200

Telecommunications Services 4814 0 1,200Computer Program, Data

Processing, Integrated Systems,

and Design Services

7372 0 1,200

Table C-99 SWITZERLAND (Franc)


Floor Limit

Chip Floor

Limit

Effective Date











Automated Fuel Dispensers 5542 0 40







4112, 4131, 4784 and 7523)

0 55 15 October 2011


Terminals

4111

4112

4131

4784

7523

55 55 15 October 2011

Table C-100 TAIWAN (Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 0 0

Railroads All 0 0


Hotels All 0 0


Restaurants All 0 3,000

Table C-98 SWEDEN (Krona) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





C-4915 May 2013



Duty Free Stores 5309 8,000 8,000

Department Stores 5311 0 3,000

Grocery Stores and

Supermarkets

5411 0 3,000

Miscellaneous Food Stores:

Convenience Stores and

Speciality Markets

5499 0 3,000

Service Stations 5541 0 3,000





Table C-2

Table C-101 THAILAND (Baht)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 0

Railroads All 0

Hotels All 0



Restaurants All 0



Hospitals All 0


Service Stations 5541 0

Tailors and Seamstresses 5697 0

Home Furnishing Speciality

Stores

5712 0

Speciality Retail Stores 5999 0





Table C-2

Table C-100 TAIWAN (Dollar) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-50

Table C-102 TOGO (CFA Franc)


Floor Limit

Chip Floor

Limit

Effective Date



Hotels All 165,000









Table C-103 TUNISIA (Dinar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 425

Railroads All 125


Hotels All 425Special Hotels All 1,285

Restaurants All 125



Hospitals All 425





Table C-2

Book Stores 5942 0

Table C-104 TURKEY (Lira)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 15 15

Railroads All 5 5

Car Rental Companies All 10 10.

Hotels All 10 10


Restaurants All 6 6





C-5115 May 2013









4112, 4131, 4784 and 7523)

0 55 15 October 2011


Terminals

4111

4112

4131

4784

7523

55 55 15 October 2011

Table C-105 UKRAINE Hryvnia (UAH)


Floor Limit

Chip Floor

Limit

Effective Date








Fast Food Restaurants 5814 715 715





Cigar Stores/Stands 5933 0 0

Table C-106 UNITED ARAB EMIRATES (Dirham)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 3,000


Listed Elsewhere

4511 0

Railroads All 560


Table C-104 TURKEY (Lira) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-52

Hotels All 3,000

Special Hotels All 5,500Restaurants All 800



Hospitals All 3,000






Table C-2

Table C-107 UNITED KINGDOM (GB Pound)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 0 400

Railroads All 0 100


Hotels All 0 250

Special Hotels All 0 1,200



Hospitals All 0 250

British Midland 3111 0 250


Computers, Computer Peripheral

Equipment, and Software

5045 0 90

Home Supply Warehouse Stores 5200 0 45

Paint and Wallpaper Stores 5231 0 45Discount Stores 5310 0 45

Department Stores 5311 0 45

Variety Stores 5331 0 45

General Merchandise 5399 0 45


Freezer and Locker Meat

Provisioners

5422 0 45

Men's and Boys' Clothing and

Accessories Stores

5611 0 45

Women's Ready-to-Wear Stores 5621 0 25

Table C-106 UNITED ARAB EMIRATES (Dirham) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





C-5315 May 2013

Women's Accessory and

Specialty Shops

5631 0 25

Children's and Infant's Wear

Stores

5641 0 25

Family Clothing Stores 5651 0 25

Riding and Sports Apparel 5655 0 45

Shoe Stores 5661 0 45


Stores

5691 0 25

Tailors and Seamstresses 5697 0 45

Apparel and Accessory Shops--

Miscellaneous

5699 0 45

Electronic Sales 5732 0 45


Record Shops 5735 0 45

Caterers 5811 0 45

Fast Food Restaurants 5814 0 45

Liquor/Package Stores 5921 0 25

Sporting Goods Stores 5941 0 45

Clock, Jewelry, Silverware, and

Watch Stores

5944 0 45

Hobby, Toy, and Game Stores 5945 0 45

Cosmetic Stores 5977 0 45

Awning and Tent Shops 5998 0 45

Retail Stores—Not Elsewhere

Classified

5999 0 45

Rentals—Tools, Equipment, and

Furniture

7394 0 45

Electronic Repair Shops 7622 0 45

Clock, Jewelry, and Watch Repair 7631 0 45

Video Tape Rental Stores 7841 0 45





Table C-107 UNITED KINGDOM (GB Pound) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





15 May 2013C-54



4112, 4131, 4784 and 7523)

0 25 15 October 2011


Terminals

4111

4112

4131

4784

7523

25 25 15 October 2011

Computer Program, Data

Processing, Integrated Systems,

and Design Services

7372 0 90

Table C-108 UNITED STATES (Dollar)


Floor Limit

Chip Floor

Limit

Effective Date


categories is zero

Table C-109 URUGUAY (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 500

Railroads All 150


Hotels All 1,000


Restaurants All 150



Hospitals All 1,000





Table C-2

Table C-110 VATICAN CITY (€)


Floor Limit

Chip Floor

Limit

Effective Date




Hotels All 400 400

Table C-107 UNITED KINGDOM (GB Pound) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date





C-5515 May 2013









Table C-2

Table C-111 VENEZUELA (US Dollar)

Merchant Type MCC Non-ChipFloor Limit Chip FloorLimit Effective Date


categories is zero

Table C-112 VIETNAM (US Dollar)


Floor Limit

Chip Floor

Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0



Hospitals All 0










Table C-2

Table C-110 VATICAN CITY (€) (Continued)


Floor Limit

Chip Floor

Limit

Effective Date







D-115 May 2013

Defined Terms

Numerics 3-D SecureThe Authentication Method that is the global authentication standard for Electronic Commerce

Transactions.

A 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 Cardholder’s account to another Cardholder’s 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), forconfirmation 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 I—General 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.



Defined Terms


15 May 2013D-2

Acquirer Chip Rate

An Interchange Reimbursement Fee specified in Visa Europe Operating Regulations, Volume I—General

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 I—General 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 ParameterA maximum limit that an Issuer establishes on the number and value of Transactions for which VisaNet

may provide Authorization on that Issuer’s 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 I—General 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.



Defined Terms


D-315 May 2013

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 I—General 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 I—General 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.



Defined Terms


15 May 2013D-4

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.



Defined Terms


D-515 May 2013

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 providesAuthorization.

Authorization Request

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.

B 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.



Defined Terms


15 May 2013D-6

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 ratesavailable 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.

C 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.



Defined Terms


D-715 May 2013

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 Cardholder-

Activated 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.



Defined Terms


15 May 2013D-8

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 Cardholder’s identity is to be

verified. Effective from 1 March 2012, for Portable Payment Devices, CDCVM is a valid CardholderVerification 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 cryptographicprocess.



Defined Terms


D-915 May 2013

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.



Defined Terms


15 May 2013D-10

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 attorney’s fees) involving any of the parties set out in the Visa

Europe Operating Regulations, Volume I—General 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.



Defined Terms


D-1115 May 2013

Contactless Indicator

The Trademark set out below:

Contactless Symbol

The Trademark set out below:

ControlAs 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 ImageryPictures 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.



Defined Terms


15 May 2013D-12

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 EMVCofrom 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. For the purposes of the Payment Services Directive (PSD) the Currency Conversion Rate shall be the “Reference Exchange

Rate”



Defined Terms


D-1315 May 2013

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.

D 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 I—General 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.



Defined Terms


15 May 2013D-14

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 anAcquirer, 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 integrityof 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 InterchangeInterchange 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.



Defined Terms


D-1515 May 2013

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.

E 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 Europe’s 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 CommerceTransactions 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.



Defined Terms


15 May 2013D-16

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 I—General 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 VisaEurope 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.



Defined Terms


D-1715 May 2013

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 PINVerification 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 TransactionA 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 Acquirer’s 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.

F 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.



Defined Terms


15 May 2013D-18

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 Transactionor Recurring Transaction, an Account Number) to obtain goods or services without the Cardholder’s

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.

G 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.



Defined Terms


D-1915 May 2013

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 behalfof 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 anycountry 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.

H 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”.



Defined Terms


15 May 2013D-20

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 likelyto 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 ServiceA 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 event’s 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.

Instalment Transaction

The single purchase of goods or services billed to a Cardholder’s 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 allprocessing charges for that Member or non-Member.



Defined Terms


D-2115 May 2013

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.

InterchangeThe 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 InterchangeTransaction.

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.

International Automated Referral Service

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.



Defined Terms


15 May 2013D-22

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 I—General Rules, Chapter 7, "Dispute Resolution" and Visa Europe Operating Regulations,

Volume I—General 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 I—General 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 Chip-

based applications that provide payment service options and controls to Issuers of Chip Cards

bearing the Visa Brand Mark or the Visa Brand Mark with the Electron Identifier that are not

available using Magnetic Stripe technology; and

Is conducted at a Magnetic Stripe Terminal.

K 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.

L 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.



Defined Terms


D-2315 May 2013

Liability

As specified in the Visa Europe Operating Regulations, Volume I—General 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.

M Magnetic StripeThe 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-ActivatedTransaction 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.

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 MerchantOutlet.



Defined Terms


15 May 2013D-24

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.

Member Message Field

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



Defined Terms


D-2515 May 2013

— 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-InEffective 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.

N 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.



Defined Terms


15 May 2013D-26

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 Cardholder’s 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.

O 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.



Defined Terms


D-2715 May 2013

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 MethodA 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 Cardholder’s 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 communicationsnetwork 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.



Defined Terms


15 May 2013D-28

Online PIN Verification

A process used to verify the Cardholder’s identity by sending an encrypted PIN value to the Issuer for

validation in an Authorization Request.

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.

P 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.

Partial Authorization

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 Issuer’s 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.



Defined Terms


D-2915 May 2013

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.



Defined Terms


15 May 2013D-30

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-to-

Face 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-to-

Face 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.



Defined Terms


D-3115 May 2013

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.



Defined Terms


15 May 2013D-32

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-outAgreement, 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 datasubmitted 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.



Defined Terms


D-3315 May 2013

Public Keys

The non-secret portion of the cryptographic method used for verification during a Transaction.

Q Quasi-Cash Transaction

A Transaction representing a Merchant's sale of items that are directly convertible to cash.

R 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 RecurringTransactions to bill the Cardholder for these services.

Recurring Transaction

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 I—General Rules, Table 3-3.

Referral Response

An Authorization Response where the Merchant or Acquirer is instructed to contact the Issuer forfurther 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.



Defined Terms


15 May 2013D-34

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.

S 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 Holder’s 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.

Secure Electronic Commerce Transaction

An Electronic Commerce Transaction that has been authenticated using an Authentication Method.

Secure Sockets Layer (SSL)

A protocol that uses Public Key encryption for the secure processing of Transactions over the internetand 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.



Defined Terms


D-3515 May 2013

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) User’s 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 Face-

to-Face Environment or a Semi-Attended Environment.

Specialised VehicleA 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.



Defined Terms


15 May 2013D-36

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 ServiceProvider 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 Issuer’s 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 Cardholder’s account, for

which the unit currency of one (1) represents. If the Merchant receives an Approval Response via theVisa 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.

T 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).



Defined Terms


D-3715 May 2013

T&E Merchant

An Airline, Car Rental Company, Hotel or Cruise Line whose primary function is to provide travel-

related services. A travel agency (excluding one that is primarily engaged in the sale of transportation

or travel-related arrangement services by Mail/Phone Order) is a T&E Merchant to the extent that it

acts as the agent of an Airline, a Car Rental Company, a Cruise Line or a Hotel.

T&E TransactionA 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 withgoodwill 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.



Defined Terms


15 May 2013D-38

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-of-

Transaction 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.



Defined Terms


D-3915 May 2013

U 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 anAuthentication 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.

V 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.



Defined Terms


15 May 2013D-40

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.

VEResEffective 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 noCard 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.



Defined Terms


D-4115 May 2013

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 byVisa 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 Memberprovides payment services to Cardholders.



Defined Terms


15 May 2013D-42

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 I—General 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 andentertainment 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.



Defined Terms


D-4315 May 2013

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 Face-

to-Face Environment.

Visa Easy Payment Service Transactions that are International Transactions are subject to rulesgoverning 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 Codein 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 SymbolA 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 financialtransactions 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.



Defined Terms


15 May 2013D-44

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 I—General 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 VisaEurope.

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 Operating Regulations, Volume I—General Rules, Section 8.6.E.7 .

Visa Europe Electronic Authorized Interchange Reimbursement Fee

An Interchange Reimbursement Fee for any Visa Europe Transaction using a Card (excluding VisaCommercial Cards and Cards bearing the V PAY Brand Mark) that meets the requirements set out in

Visa Europe Operating Regulations, Volume I—General Rules, Section 8.6.E.4.

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;



Defined Terms


D-4515 May 2013

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 I—General 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 I—General Rules,

Section 8.6.E.10.

Visa Europe Recurring Transaction Interchange Reimbursement FeeAn 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 I—General 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 orMembers.

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.



Defined Terms


15 May 2013D-46

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 EMV-

Compliant.

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. SystemsSystems 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”.



Defined Terms


D-4715 May 2013

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 aredelivered 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 forVisa Personal Payments.



Defined Terms


15 May 2013D-48

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 LoadTransaction 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




Defined Terms


D-4915 May 2013

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 Europerequirements 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 Wordmark

A Mark consisting entirely of a word.

X, Y, Z Zero Floor Limit

A Floor Limit with a currency amount of zero (that is, Authorization is required for all Transactions).






Index


i15 May 2013

A AirlineAirline 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 Member’s 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-93Authorization 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-90POS Entry Mode Code field A-66, A-87

Processing Code field A-63, A-84

Required data A-63, A-84Response 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



Acquiring Institution Identification Codefield A-68, A-90

Additional POS Information field A-71, A-93

Authorization Code field A-69, A-91




Expiration Date field A-65, A-85, A-86

Merchant Category Code field A-65, A-86

Message type indicator A-63, A-84POS Condition Code field A-67, A-81, A-88,

A-90

POS Entry Mode Code field A-66, A-87


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


15 May 2013ii

B 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-42Chargeback 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

BINLicence 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

C 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 shiftVisa Europe, summary A-146

Clearing Record

Airline Transaction Record Data


Compliance

Documentation A-26

Counterfeit Transaction, Reason Code 62 1-45

Condition 1 1-49, 1-52, 1-54, 1-56Credit 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

D 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– 1-91Dispute 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,

1-130Condition 1 1-131– 1-132

Condition 2 1-133, 1-134

E Exceptions to the Arbitration Process 2-7

Exhibits

Dispute resolution A-9

Expired Card, Reason Code 73 1-81

F Floor Limits

Category codes B-4

Forms

Release of BIN A-115

Visa Interchange Directory Update A-121Fraud, Card-absent Environment, Reason Code

83 1-45, 1-69

Condition 1 1-70– 1-73


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



Index


iii15 May 2013

I Illegible Fulfillment, Reason Code 60 1-35

Condition 1 1-37

Incorrect Currency or Transaction Code or Domes-

tic Transaction Processing Violation, Reason

Code 76 1-107, 1-113

Condition 1 1-114

Condition 2 1-115Condition 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

L 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

M Magnetic Stripe

EMV Liability shift, Visa Europe, post-2005

summary A-146

Merchant Category CodesAssigning 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



Acquiring Institution Identification Code

field A-58, A-78


Card Acceptor Identification field A-60, 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


Financial Transactions A-55, A-75

Merchant Type field A-57, A-77Message Reason Code field A-61, A-82

Network Identification Code field A-61, A-82

POS Condition Code field A-58, A-78

POS Entry Mode Code field A-57, A-77


Retrieval Reference Number field A-58,A-58– A-92

Settlement Amount field A-56, A-76Settlement 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

N No Authorization, Reason Code 72 1-81


Condition 2 1-99– 1-100

Non-matching Account Number, Reason Code

77 1-107, 1-121, 1-122

Condition 1 1-122

Condition 2 1-123Non-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, Rea-

son Code 53 1-139, 1-149

Condition 1 1-150– 1-151

Condition 2 1-152, 1-153, 1-154

P 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 2-4Attempt 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



Index


15 May 2013iv

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

R Reason Code 30, Services Not Provided or Mer-

chandise 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, 1-154Reason 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 Excep-

tion File 1-81, 1-82

Condition 1 1-84, 1-85

Condition 2 1-86

Reason Code 71, Declined Authorization 1-81, 1-87Condition 1 1-88, 1-89, 1-92, 1-93


Reason Code 72, No Authorization 1-81


Condition 2 1-99– 1-100

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 Transac-

tion 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 Re-

versal 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 1-122Condition 2 1-123

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 1-129Reason 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,

1-175Reason Code 93, Merchant Fraud Performance

Program 1-78, 1-79

Required Message Content

VisaNet Authorization Requests A-63

S Service Code Violation, Reason Code 78 1-81

Condition 1 1-104, 1-106

Services Not Provided or Merchandise Not Re-

ceived, 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 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

formatATM A-135



Index


v15 May 2013

Transaction Record

Airline Transaction Record Data


Transactions

Timeshare B-2

Travel and Entertainment (T&E) B-1

V Visa Drive 1-97, D-10, D-32, D-42

Cardholder certification 1-31

Visa Interchange Directory Update Form A-

117– A-120, A-121

VisaNet

Letter of Agreement A-131

Message Content A-55







The Card Acceptance Complaint Form is to be used by Members to report to Visa Europe any Merchant or Cardholdercomplaints (domestic or international) concerning Card acceptance or Transaction processing issues that are of concernto the Member and are not addressed by existing Chargeback or Compliance rights. Visa Europe maintains a centralizeddatabase of these complaints that includes specific information concerning the parties involved and the nature of thecomplaints. 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 patternsof concern.

The use of this form is optional. It may be submitted at any time the Member deems appropriate. Visa Europe willinvestigate complaints when appropriate and reserves the right to intervene at its discretion; however, submission of thisform is not intended to be a replacement for Member customer service. Under no circumstances is this form to beprovided to a Cardholder, a Merchant, or any other third party. Each form must be completed and submitted by theMember receiving the complaint. This form must not be used in situations where Chargeback, Arbitration, Compliance, orResolution Rights are available to the Member.

While the majority of complaints are self-explanatory, the following examples clarify certain categories.

Please complete the form and then either; email a scanned copy to the customer support email address:[email protected]; or post it to: Customer Support, Visa Europe, P.O. Box 39662, London W26WH, United Kingdom.

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.




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 completedby 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.

Explanation: _________________________________________________

____________________________________________________________

____________________________________________________________

Transaction Date: ____________________________________________ Date of Cardholder Complaint:

Was a Chargeback processed for this Transaction: No Yes Which Chargeback: Date:

Was a Chargeback represented?: No Yes _______________ Date:

Was the Cardholder credited?: No 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: _______________________________________________________

Please complete the form and then either; email a scanned copy to the customer support email address:[email protected]; or post it to: Customer Support, Visa Europe, P.O. Box 39662, London W2

6WH, United Kingdom.

101 Surcharge Imposed

102 Minimum/Maximum Transaction Amount Imposed

103 Non-Acceptance of Card

104 Additional ID Required for Card Acceptance

105 Erroneous Merchant Description

106 Authorization-Related Complaints

107 Car Rental Merchant Required Purchase of CDW

108 Nature of Merchant Business

109 Improper Use of Service Marks

110 Currency Conversion Issues

111 Merchant Re-Billing after Chargeback

112 Card Confiscated

113 Incorrect Merchant Category Card Used

199 Other (provide detailed explanation)




The Consumer Dispute Complaint Form is to be used by Members to report to Visa Europe any Merchant or Cardholdercomplaints (domestic or international) concerning consumer protection issues that are of concern to the Member and arenot addressed by existing Chargeback or Compliance rights. Visa Europe maintains a centralized database of thesecomplaints that includes specific information concerning the parties involved and the nature of the complaints. It is used todetermine 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 willinvestigate complaints when appropriate and reserves the right to intervene at its discretion; however, submission of theform is not intended to be a replacement for Member customer service. Under no circumstances is this form to beprovided to a Cardholder, a Merchant, or any other third party. Each form must be completed and submitted by theMember receiving the complaint. This form must not be used in situations where Chargeback, Arbitration, Compliance, orResolution Rights are available to the Member

While the majority of complaints are self-explanatory, the following examples clarify certain categories.

Please complete the form and then either; email a scanned copy to the customer support email address:

[email protected]; or post it to: Customer Support, Visa Europe, P.O. Box 39662, London W2

6WH, United Kingdom.

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 byChargeback 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.

Explanation: _________________________________________________

____________________________________________________________

____________________________________________________________

Transaction Date: ____________________________________________ Date of Cardholder Complaint:

Was a Chargeback processed for this Transaction: No Yes Which Chargeback: Date:

Was a Chargeback represented?: No Yes _______________ Date:

Was the Cardholder credited?: No 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: _______________________________________________________

Please complete the form and then either; email a scanned copy to the customer support email address:[email protected]; or post it to: Customer Support, Visa Europe, P.O. Box 39662, London W26WH, United Kingdom.

01 Merchandise/Service Not as Described/Expected

or

Not Received

02 Defective Merchandise

03 No Credit for Returned Merchandise

04 Questionable Merchant Procedure

05 Merchant Refund/Return Policy

06 Retail Transaction Processed as Cash Disbursement07 Airline, Car Rental or Hotel Dispute

08 VAT Refund/Other Customs Dispute

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)

14 Alleged Fraudulent MO/TO Solicitation Scheme

15 Alleged Merchant Extortion/Intimidation99 Other (provide detailed explanation)




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.