Visa Europe Operating Regulations Volume II

Visa Europe Operating Regulations

Volume II - Dispute Resolution Rules15 November 2011

Visa Europe Operating Regulations

Volume II - Dispute Resolution Rules15 November 2011

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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 November 2011.

The following table highlights the revisions made to the Visa Europe Operating Regulations. For specific information about these revisions, refer to the topic explanations following the table.

Summary of Changes — Quick Reference

Subject Revision

Alignment of Operating Regulations with Technical Changes to Authorization Messages

The content specifications for Authorization messages have been updated to reflect technical changes.

Auto-Telex All references to auto-telex have been removed as the Telex Interface Program ceased in 2005 with the introduction of Visa Extend Access Servers.

ATM Cash Disbursement Fee Reductions Cash Disbursement Fees for Visa Europe Transactions at ATMs are being reduced in two stages.

BIN Licensing and Administration The BIN licensing and administration regulations have been updated to include BIN jurisdiction regulations.

Central Travel Account Clarification of existing rules.

Chip Requirement Clarifications Some Chip requirements have been clarified.

Country Specific BINs Issuers who participate in the Visa Europe Cross-Border Issuing Program must request country specific BINs under certain conditions.

Core Feature Requirements for specific Visa Commercial Cards

Effective from 5 April 2011, it is no longer mandatory for Issuers of Visa Business Cards that are Direct (Immediate) Debit Cards, Visa Business Cards that are Deferred Debit Cards and/or Visa Business Electron Cards to offer insurance or services to their Cardholders.

Cross-Border Acquiring of ATMs Principal Members or Associate Members in the Territory may now acquire ATMs in any other country within the Terrirory.

VISA EUROPE CONFIDENTIAL INFORMATION - Member Use OnlyVisa Europe Operating Regulations

i15 November 2011

Summary of Changes

Cross-Border Rules Clarification Clarification of cross-border rules concerning Domestic Transactions and Merchant requirements.

Data Compromise Recovery Solution The event qualification and eligibilty criteria for the Data Compromise Recovery Solution has been updated.

EMV Liability Shift The date for the expansion of the EMV liability shift to include counterfeit Transactions at ATMs in Australia and New Zealand has been brought forward from 1 October 2013 to 1 April 2013.

Global Brand Protection Program The Global Brand Protection Program has been designed to provide control and reassurance for Acquirers that contract with ‘high risk’ Merchants or Internet Payment Service Providers.

Holograms for Visa Infinite Cards The Visa Infinite dove hologram is being discontinued.

Minimum Card Volumes for Issuers of Visa Infinite Cards

Effective from 26 August 2011, an Issuer of Visa Infinite Cards must issue a minimum of 500 Visa Infinite Cards within 12 months of issuing their first Visa Infinite Card.

New Lodging MCC for Cosmopolitan of Las Vegas A new MCC code has been added to the Merchant Data Standards.

PIN Pad Requirements at Ferry Merchants The requirements for ferry Merchants (MCC 4111) to install PIN pads have been updated.

Proximity Payment Device The defined term for Proximity Payment Device has been amended.

Removal of Telex as a Supported Communication Method

Telex is no longer a supported communication method between Members.

Tactile Brand Mark Effective from 11 July 2011, a Tactile Brand Mark may be placed on a Card, surrounding either the Visa Brand Mark or the V PAY Brand Mark.

Transaction Receipt Clarifications Some Transaction Receipt requirements have been clarified.

Unattended Acceptance Terminals Effective from 15 October 2011, the rules for deploying and managing Unattended Acceptance Terminals have been simplified.

Virtual Accounts The Visa Brand Mark may be used on a Reference Card or a Screen Image for a Virtual Account.

Visa Europe ATM Fees Visa Europe ATM fees have been reduced.

Summary of Changes — Quick Reference (Continued)

Subject Revision


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Summary of Changes

Alignment of Operating Regulations with Technical Changes to Authorization Messages

BackgroundThe Visa Europe Operating Regulations specify data fields and contents of some Visa Europe Authorization System (VEAS) messages. The content specifications for these messages have been updated to reflect technical changes.

Regulation ChangesThe following sections in the Visa Europe Operating Regulations, Volume I—General Rules have been changed:

Appendix A, "Exhibits" - Exhibit 3A, Exhibit 3B, Exhibit 3C and Exhibit 3D

Auto-Telex

BackgroundAll references to auto-telex have been removed as the Telex Interface Program ceased in 2005 with the introduction of Visa Extend Access Servers.

Regulation ChangesThe following section in the Visa Europe Operating Regulations, Volume I—General Rules has been changed:

Section 8.9.B.3

ATM Cash Disbursement Fee Reductions

BackgroundAn update to reflect Cash Disbursement Fee changes for Visa Europe Transactions at ATMs.


Section 8.6.I.4

Supersedes Member LetterVE 67/10

BIN Licensing and Administration

BackgroundRegulations for BIN jurisdiction have been defined to clarify that, effective from 1 April 2012, a BIN is licensed for use in a single country, with specific exceptions as set out in Section 1.8.B.3.

Regulation ChangesThe following section in the Visa Europe Operating Regulations, Volume I—General Rules has been added:

Section 1.8.B.3


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Summary of Changes

Central Travel Account

BackgroundClarification of existing rules concerning the use of BINs, Virtual Accounts and Management Information Reporting.


Section 3.6.A.19

Chip Requirement Clarifications

BackgroundThe Chip Card Authorization and Issuer Requirements have been clarified.


Section 3.2.C.6.b and Section 3.3.A; andSection 5.1.E.1.

Country Specific BINs

BackgroundIssuers who participate in the Visa Europe Cross-Border Issuing Program must request BINs with specific country codes to facilitate the following:

The provision of Cash-Back in the United Kingdom and markets that do not qualify for International Settlement Service;The correct identification of Direct (Immediate) Debit Cards at Point-of-Transaction Terminals in the Republic of Ireland; orEffective from 15 October 2011, National Net Settlement participation.


Section 3.13.G.1.b


Core Feature Requirements for specific Visa Commercial Cards

Background

Effective from 5 April 2011, it is no longer mandatory for Issuers of:

Visa Business Cards that are Direct (Immediate) Debit Cards;Visa Business Cards that are Deferred Debit Cards; and/orVisa Business Electron Cards,

to offer insurance or services to their Cardholders.


15 November 2011iv

Summary of Changes


Table 3-9, “Visa Commercial Card Core Feature Requirements”; andSection 3.6.A.12.b.


Cross-Border Acquiring of ATMs

BackgroundCross-border acquiring has been expanded to allow Members to acquire ATMs cross-border.


Section 4.4.B and Section 4.4.G.2

Cross-Border Rules Clarification

BackgroundClarification of cross-border rules concerning Domestic Transactions and Merchant requirements.


Section 4.4.B.1, Section 4.4.D.1, Section 4.4.D.3.c, Section 4.4.G.1 and Section 4.4.H.1

Data Compromise Recovery Solution

Background

Effective from 9 December 2010, the event qualification and eligibility criteria for the Data Compromise Recovery Solution has been updated.

Regulation ChangesThe following section of the Visa Europe Operating Regulations, Volume I—General Rules has been amended:

Section 1.6.E


EMV Liability Shift

BackgroundThe date for the expansion of the EMV liability shift to include counterfeit Transactions at ATMs in Australia and New Zealand has been brought forward from 1 October 2013 to 1 April 2013.


Section 3.3.B; andSection 4.6.


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Summary of Changes

The following sections in the Visa Europe Operating Regulations, Volume II—Dispute Resolution Rules have been changed:

Reason Code 62 — Counterfeit Transaction;Reason Code 70 — Card Recovery Bulletin or Exception File; andReason Code 81 — Fraud—Card-Present Environment.

Supersedes Member LettersVE 75/10; andVE 37/11.

Global Brand Protection Program

BackgroundMerchants that trade in goods or services that have a higher than average likelihood of financial or reputational damage through fraud, chargebacks or regulatory attention are generally considered ‘high risk’. The Global Brand Protection Program has been designed to provide control and reassurance for this sector of the business, which will include identification, risk reviews, monitoring and feedback on performance. Only Acquirers who can demonstrate an appropriate level of underwriting, performance management, and risk strategy and controls will be permitted to acquire Merchants, Sponsored Merchants or Internet Payment Service Providers that fall within Visa Europe’s definition of “high brand-risk”.

There has been a terminology change from “high risk” to “high brand-risk”. The list of “high brand-risk” MCCs has been expanded to include 5122 and 5912. The defined terms High Risk Telemarketing Merchants and High Risk Electronic Commerce Merchants have been replaced by one defined term: High Brand-Risk Merchants, and new definitions have been introduced for High Brand-Risk Internet Payment Service Provider and High Brand-Risk Sponsored Merchant.

Regulation ChangesThe following sections in theVisa Europe Operating Regulations, Volume I—General Rules have been changed:

Programs;Section 1.6.D.13;Section 2.3.J;Section 4.1.C.11.b, Section 4.12.G.3 and Section 4.18.J;Section 5.1.A.2; andSection 5.1.E.7.


Holograms on Visa Infinite Cards

Background

Effective from 1 January 2012, it is no longer mandatory for a Visa Infinite Card to have a Visa Infinite dove hologram.

Effective from 1 January 2014, Members cannot submit to Visa Europe for approval any Visa Infinite Cards that contain a Visa Infinite dove hologram, but they may continue to issue Visa Infinite Cards that contain this hologram for the sole purpose of depleting existing card stock.


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Summary of Changes


Section 10.2.B.10


Minimum Card Volumes for Issuers of Visa Infinite Cards

Background

Effective from 26 August 2011, an Issuer of Visa Infinite Cards (package 2 or 3 only, as set out in the Visa Europe Fee Guide) must issue a minimum of 500 Visa Infinite Cards within 12 months of issuing their first Visa Infinite Card.

If a minimum of 500 Visa Infinite Cards is not issued within this period, the Issuer of the Visa Infinite Cards shall be invoiced for the equivalent of 500 Visa Infinite Cards.


Section 3.4.C.1.c


New Lodging MCC for Cosmopolitan of Las Vegas

BackgroundA new MCC code has been added to the Merchant Data Standards.

Regulation ChangesThe following section in the Visa Europe Operating Regulations, Volume I—General Rules and the Visa Europe Operating Regulations, Volume II—Dispute Resolution Rules has been changed:

Appendix B “Merchant Data Standards”

PIN Pad Requirements at Ferry Merchants

BackgroundThe requirements for ferry Merchants (MCC 4111) to be capable of accepting PINs at new or replacement Chip-Reading Devices has been relaxed to enable those Merchants to operate devices at certain vehicle gates in the same way as road and bridge tolls.


Section 4.8.C.4



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Summary of Changes

Proximity Payment Device

BackgroundThe defined term for Proximity Payment Device has been amended.


Appendix D, "Defined Terms"

Removal of Telex as a Supported Communication Method

BackgroundTelex has been removed as a supported communication method between Members.


Section 3.2.C.10.h;Section 4.9.D.2.a;Section 6.2.A.3; andSection 8.2.C.1 and Section 8.9.B.3.

Tactile Brand Mark

Background

Effective from 11 July 2011, a new, optional card design feature, called the Tactile Brand Mark, may be placed on a Card, surrounding either the Visa Brand Mark or the V PAY Brand Mark, as set out in the Visa Product Brand Standards. Having this element on a Card enables Cardholders to easily distinguish it as a Visa Card Product. Issuers may also wish to place additional, raised surface elements around, for instance, their trademark or their name, to further identify the Card for the Cardholder.


Appendix D, “Defined Terms

The following section in the Visa Europe Operating Regulations, Volume I—General Rules has been added:Section 10.2.C


Transaction Receipt Clarifications

Background

Effective from 1 March 2013 for newly installed Chip-Reading Devices and effective from 1 March 2015 for all Chip-Reading Devices, the Transaction Receipt for a Chip-initiated Transaction or a Proximity Payment must contain the Dedicated File Name and the Application Preferred Name or Application Label.

A copy of the Transaction Receipt is not required for EMV PIN Transactions, with the exception of T&E Transactions, Manual Cash Disbursements and Quasi-Cash Transactions.


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Summary of Changes


Section 4.11.F.9;Section 5.2.A.1.a;Section 7.3.D.1.d; andAppendix A, "Exhibits" - Exhibit 7I, Exhibit 7J.

Unattended Acceptance Terminals

Background

Effective from 15 October 2011, the rules for deploying and managing Unattended Acceptance Terminals have been simplified. The changes include:

Removal of Cardholder-Activated Transactions Types A, B and C. Certain Transactions at Merchant Category Codes previously covered by Cardholder-Activated Transaction Type A are still permitted without Authorization and without Cardholder Verification;Replacement of maximum Transaction Amounts with Floor Limits determined by the Merchant Category Code and the Transaction type, for example a Chip-initiated Transaction or a non-Chip-initiated Transaction;Removal of Reason Code 96 — Transaction Exceeds Limited Amount. Instead, Transactions at Unattended Acceptance Terminals that do not receive the required Authorization may be charged back under Reason Code 72 — No Authorization. The same Chargeback rights exist but are applied using Reason Code 72;The other reason codes have been updated to remove reference to Cardholder-Activated Transactions Types A, B and C. However, the Chargeback rights remain the same;The term Magnetic Stripe Telephone is now replaced with Telephone Service Transaction at an Unattended Acceptance Terminal. This is a broader term and includes Telephone Service Transactions at an Unattended Acceptance Terminal that are now either initiated with a Magnetic Stripe or are Chip-initiated Transactions; andAcquirers are no longer required to submit operational plans for their Unattended Acceptance Terminals to Visa Europe.


Section 4.8.C.2.c, Section 4.8.C.3, Section 4.8.E, Section 4.8.E.9, Section 4.8.E.10, Section 4.8.E.11, Section 4.9, Section 4.9.D.1.c and Section 4.18.A; Section 5.4.F and Section 5.4.G;Section 7.3.D.1.d, Table 7-14, Section 7.4.F.3.c, Table 7-19, Table 7-21 and Section 7.4.F.5;Table 8-10, Table 8-11 and Table 8-24;Appendix A, "Exhibits" - Exhibit 2L, Exhibit 2M, Exhibit 3B, Exhibit 3D and Exhibit 7I;Appendix C, "Maximum Authorized Floor Limits"; andAppendix D, "Defined Terms".

The following sections in the Visa Europe Operating Regulations, Volume II—Dispute Resolution Rules have been changed:

Section 1.3.D.1.d, Table 1-14, Section 1.4.F.3.c, Table 1-19, Table 1-21 and Section 1.4.F.5;Reason Code 62 — Counterfeit Transaction;Reason Code 72 — No Authorization;Reason Code 81 — Fraud—Card-Present Environment;Reason Code 82 — Duplicate Processing; andReason Code 96 — Transaction Exceeds Limited Amount.


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Summary of Changes


Virtual Accounts

BackgroundThe Visa Brand Mark may be used on a Reference Card or a Screen Image for a Virtual Account, as set out in the Visa Product Brand Standards.


Section 10.3.G

Visa Europe ATM Fees

BackgroundVisa Europe ATM fees have been reduced.


Section 8.8


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About the Visa Europe Operating Regulations

This section describes the purpose and function of the Visa Europe Operating Regulations. It provides an overview of the structure and contents of this volume and its companion volumes, lists related publications referenced in the Visa Europe Operating Regulations and explains the document's stylistic conventions.

A Member must comply with the rules set out in the Visa Europe Operating Regulations unless a variance in respect of a rule has been granted by Visa Europe:

For any particular country in the Territory and is set out in the Visa Europe operating regulations for that country, where applicable (see Visa Europe Operating Regulations, Volume 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.

OverviewThe 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; andA form that Members may use to forward comments or questions to Visa Europe about the Visa Europe Operating Regulations.


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Volume I—General RulesChapter 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 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

Volume II—Dispute Resolution RulesChapter 1, "Dispute Resolution": Governs the Transaction Receipt retrieval process, as well as a Member’s attempts to resolve disputes and the processes available to the Member if its resolution efforts are unsuccessful. This chapter includes detailed Chargeback and Representment processes for each reason code.

Chapter 2, "Arbitration": Allows Visa Europe, for Visa Europe Transactions, and Visa Inc., for International Transactions, to assign liability for a disputed Chargeback or Representment. This chapter specifies the allowable reasons and procedures for Arbitration.

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.


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Appendix B, “Merchant Data Standards”: Lists the Merchant Category Codes and the associated Floor Limits for those Merchant Category Codes.

Appendix C, “Maximum Authorized Floor Limits”: Lists the Floor Limits by country.

Appendix D, “Defined Terms”: Lists terms used throughout the Visa Europe Operating Regulations that are capitalised and have a meaning beyond, or in lieu of, their dictionary meaning.

Index

Conventions

Grammar and UsageThe following conventions apply to grammar and usage throughout the Visa Europe Operating Regulations:

Effective dates are inclusive. For example, “Effective until 31 December 2008” means effective until and including 23:59 on 31 December 2008 and “Effective from 1 January 2009” means effective from 00:00 on 1 January 2009. Effective dates older than two years are deleted.The singular imports the plural, and the plural imports the singular. For example: “A Merchant must...,” implies that “All Merchants must...”; andThe 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 StyleIn the Visa Europe Operating Regulations, special symbols and conventions are used as follows:

Words that appear with initial capitalization have a special meaning beyond, or in lieu of, their dictionary meaning. These terms are specified in Appendix D “Defined Terms”;Words that appear with initial capitalisation and are not defined in Appendix D “Defined Terms” or are not written in italics, are programs, please see below for the list of programs referred to in the Visa Europe Operating Regulations;Bold type is used for visual emphasis; A vertical line (change bar) located on the outer margin, indicates a change to the Visa Europe Operating Regulations since the last edition;Revisions to grammar, punctuation and rephrasing are not indicated by change bars; andReferences to other publications and sections within the document are in italics.

Other PublicationsThe Visa Europe Operating Regulations refers to other regulatory publications. Information in these publications is considered an extension of the Visa Europe Operating Regulations and applies if a Member participates in its respective services. The Visa Europe Operating Regulations governs in the event of any inconsistency or contradiction.

The list of publications referenced in the Visa Europe Operating Regulations is set out in the Visa Europe Operating Regulations, Volume 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.


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ProgramsThe 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;Card-Absent Environment Fraud Acquirer Monitoring Program;Card-Absent Environment Fraud Issuer Monitoring 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 ATM Acquirer Monitoring Program;Cross-Border Fraud ATM Device Monitoring Program;Cross-Border Fraud Issuer Monitoring Program;Cross-Border Issuing Program;Cross-Border Issuer Monitoring Program;Custom Payment Service/ATM ProgramData 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 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;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;


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Visa Global ATM Program;Visa Global Performance Enhancement Program;Visa Multinational Program; andVisa 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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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 - 6Substitute Transaction Receipt Fulfilment Documents—Data Requirements . . . . . . 1 - 9

Electronic Documentation Transfer Method . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12

Acquirer Responsibilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12Issuer Rights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 13

Retrieval Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 13

Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 13Fee Recovery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 13

1.4 CHARGEBACKS AND REPRESENTMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 13

Chargeback and Representment Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 13

Chargeback Limitations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 14

Chargeback Process for Small Ticket Transactions and Visa Easy Payment Service Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 14

Chargeback and Representment Transmission . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 14

Clearing and Settlement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 14Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 14


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Table of Contents

Chargeback Reduction Service . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 15

Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 15Return of Presentment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 15Return of Chargeback . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 15

Chargeback . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 15

Attempt to Settle . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 15Chargeback Dispute Groups and Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 16Reasons and Time Limits for Specific Transaction Types . . . . . . . . . . . . . . . . . . . . . . . 1 - 25Chargeback Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 32Transaction Chargeback Method . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 32

Processing Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 33

Chargeback Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 33Chargeback Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 33Currency Conversion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 33

1.5 REPRESENTMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 34

Representment Reasons, Conditions, and Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 34

Representment Documentation Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 35Representment Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 35

Currency Conversion Difference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 35

1.6 DISPUTE GROUP 1—REQUEST FOR INFORMATION . . . . . . . . . . . . . . . . . . . . .1 - 37Reason Code 60 — Illegible Fulfilment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 38

Reason Code 75 — Transaction not recognised . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 40

1.7 DISPUTE GROUP 2—FRAUD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 43Reason Code 57 — Fraudulent Multiple Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 45

Reason Code 62 — Counterfeit Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 48

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

Reason Code 83 — Fraud—Card-Absent Environment . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 68

Reason Code 93 — Merchant Fraud Performance Program . . . . . . . . . . . . . . . . . . . . . . . 1 - 75

1.8 DISPUTE GROUP 3—AUTHORIZATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 77Reason Code 70 — Card Recovery Bulletin or Exception File . . . . . . . . . . . . . . . . . . . . . 1 - 79

Reason Code 71 — Declined Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 84

Reason Code 72 — No Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 91

Reason Code 73 — Expired Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 97

Reason Code 78 — Service Code Violation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 100

1.9 DISPUTE GROUP 4—PROCESSING ERROR . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 103Reason Code 74 — Late Presentment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 105

Reason Code 76 — Incorrect Currency or Transaction Code or Domestic Transaction Processing Violation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 109

Reason Code 77 — Non-Matching Account Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 117

Reason Code 80 — Incorrect Transaction Amount or Account Number . . . . . . . . . . 1 - 120

Reason Code 82 — Duplicate Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 126

Reason Code 86 — Paid by Other Means . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 131

Reason Code 96 — Transaction Exceeds Limited Amount . . . . . . . . . . . . . . . . . . . . . . . 1 - 134


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1.10 DISPUTE GROUP 5—CANCELLED/RETURNED . . . . . . . . . . . . . . . . . . . . . . . . .1 - 137Reason Code 41 — Cancelled Recurring Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 138

Reason Code 53 — Not as Described or Defective Merchandise . . . . . . . . . . . . . . . . . 1 - 145

Reason Code 85 — Credit Not Processed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 150

1.11 DISPUTE GROUP 6—NON-RECEIPT GOODS/SERVICES . . . . . . . . . . . . . . . . .1 - 163Reason Code 30 — Services Not Provided or Merchandise Not Received . . . . . . . . . 1 - 164

Reason Code 90 — Non-Receipt of Cash or Load Transaction Value at ATM or Load Device . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 170

2. ARBITRATION

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

Reason . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3

Pre-Arbitration Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3

Pre-Arbitration Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3Pre-Arbitration Response . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3Pre-Arbitration Acceptance or Rebuttal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3

Arbitration Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 4

Filing Reasons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 4Filing Procedures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 4Invalid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 5Valid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 5Financial Liability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 6Review Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 6Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 6Appeal Rights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 7Appeal Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 7Finality 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 - 3Pre-Compliance Rebuttal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3Pre-Compliance Response . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4


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3.4 COMPLIANCE PROCESS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4

Filing Reasons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4

Chargeback Reduction Service Return . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4Hotel Reservation Service or Specialized Vehicle Reservation Service

Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4Unauthorized Signature . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 5Split Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 5Copy Fulfilment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 6Delayed or Amended Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 6Non-Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 6Electronic Commerce Transaction (Attempts Authentication) . . . . . . . . . . . . . . . . . . 3 - 6Account 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 - 11Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 11Required Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12

Invalid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12

Group Member . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12Visa Europe . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12

Valid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12

Visa Europe Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12Opposing Member’s Response . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13Requesting Member’s Withdrawal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13Compliance Decision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13Financial Liability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13Review Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14

Appeal Rights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14

Appeal Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14Appeal Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14Finality of Decision on Appeal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 15

Exceptions to the Compliance Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 15

APPENDIX A, EXHIBITS

APPENDIX B, MERCHANT DATA STANDARDS

APPENDIX C, MAXIMUM AUTHORIZED FLOOR LIMITS

APPENDIX D, DEFINED TERMS


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1.1 INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 5

1.2 MUTUAL ASSISTANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 5

1.3 TRANSACTION RECEIPT RETRIEVAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 5

Request for Transaction Receipt Copy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 5

Transaction Receipt Retention . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 6

Transaction Receipt Request and Fulfilment Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 6

Fulfilment Document Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 6Substitute Transaction Receipt Fulfilment Documents—Data Requirements . . . . . . 1 - 9

Electronic Documentation Transfer Method . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12

Acquirer Responsibilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 12Issuer Rights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 13

Retrieval Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 13

Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 13Fee Recovery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 13

1.4 CHARGEBACKS AND REPRESENTMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 13

Chargeback and Representment Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 13

Chargeback Limitations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 14

Chargeback Process for Small Ticket Transactions and Visa Easy Payment Service Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 14

Chargeback and Representment Transmission . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 14

Clearing and Settlement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 14Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 14

Chargeback Reduction Service . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 15

Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 15Return of Presentment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 15Return of Chargeback . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 15

Chargeback . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 15

Attempt to Settle . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 15Chargeback Dispute Groups and Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 16Reasons and Time Limits for Specific Transaction Types . . . . . . . . . . . . . . . . . . . . . . 1 - 25


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Chargeback Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 32Transaction Chargeback Method . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 32

Processing Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 33

Chargeback Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 33Chargeback Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 33Currency Conversion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 33

1.5 REPRESENTMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 34

Representment Reasons, Conditions, and Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 34

Representment Documentation Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 35Representment Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 35

Currency Conversion Difference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 35

1.6 DISPUTE GROUP 1—REQUEST FOR INFORMATION . . . . . . . . . . . . . . . . . . . . .1 - 37Reason Code 60 — Illegible Fulfilment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 38

Reason Code 75 — Transaction not recognised . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 40

1.7 DISPUTE GROUP 2—FRAUD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 43Reason Code 57 — Fraudulent Multiple Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 45

Reason Code 62 — Counterfeit Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 48

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

Reason Code 83 — Fraud—Card-Absent Environment . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 68

Reason Code 93 — Merchant Fraud Performance Program . . . . . . . . . . . . . . . . . . . . . . . 1 - 75

1.8 DISPUTE GROUP 3—AUTHORIZATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 77Reason Code 70 — Card Recovery Bulletin or Exception File . . . . . . . . . . . . . . . . . . . . . 1 - 79

Reason Code 71 — Declined Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 84

Reason Code 72 — No Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 91

Reason Code 73 — Expired Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 97

Reason Code 78 — Service Code Violation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 100

1.9 DISPUTE GROUP 4—PROCESSING ERROR . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 103Reason Code 74 — Late Presentment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 105

Reason Code 76 — Incorrect Currency or Transaction Code or Domestic Transaction Processing Violation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 109

Reason Code 77 — Non-Matching Account Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 117

Reason Code 80 — Incorrect Transaction Amount or Account Number . . . . . . . . . . 1 - 120

Reason Code 82 — Duplicate Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 126

Reason Code 86 — Paid by Other Means . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 - 131

Reason Code 96 — Transaction Exceeds Limited Amount . . . . . . . . . . . . . . . . . . . . . . . 1 - 134

1.10 DISPUTE GROUP 5—CANCELLED/RETURNED . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 137Reason Code 41 — Cancelled Recurring Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 138

Reason Code 53 — Not as Described or Defective Merchandise . . . . . . . . . . . . . . . . . 1 - 145

Reason Code 85 — Credit Not Processed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 150


15 November 20111-2

Dispute Resolution

1.11 DISPUTE GROUP 6—NON-RECEIPT GOODS/SERVICES . . . . . . . . . . . . . . . . .1 - 163Reason Code 30 — Services Not Provided or Merchandise Not Received . . . . . . . . . 1 - 164

Reason Code 90 — Non-Receipt of Cash or Load Transaction Value at ATM or Load Device . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 - 170


1-315 November 2011


Dispute Resolution

1.1 INTRODUCTIONThe 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; andIssuer: A Customer or a Member that issues Cards to a Cardholder and maintains the contractual privity relating to such Card with that Cardholder.

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 ASSISTANCEA 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 CopyEffective up to and including 15 October 2010, 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.

Effective on or after 16 October 2010, 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 Transaction Receipts are considered invalid Transaction Receipts.

Table 1-1 Transaction Receipt Retrieval Request Reasons

Request Reason for Copy BASE II Transaction Code 52 or Field 63.3 in Single Message System

BASE II Request Code/Visa Europe Clearing and Settlement Service Request Code (Transaction Code 52)

Single Message System Request Code(Field 63.3)

Request for copy bearing signature1 T&E Document request Cardholder request due to dispute Effective for Retrieval Requests up to and including 16 October 2009, Cardholder does not recognise TransactionFraud analysis requestLegal process request

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

28293032

3334

0028002900300032

00330034


1-515 November 2011

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15 November 20111-6

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 the Merchant's business; and Applicable Retrieval Request reason code from Table 1-1.

1.3.B Transaction Receipt RetentionIn 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 DataEffective up to and including 15 October 2010, 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; orT&E Document if applicable.

Effective on or after 16 October 2010, 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; orT&E Document if applicable.

Table 1-2 Transaction Receipt Retention Periods

Document Retention Period

Original Transaction Receipt According to applicable law

Transaction Receipt copy or Substitute Transaction Receipt For International Transactions:

• Effective up to and including 14 October 2011, 12 months from Processing Date; or

• Effective on or after 15 October 2011, 13 months from Processing Date.

For Visa Europe Transactions, 13 months from Processing Date

T&E Document Six months from Processing Date

Recurring Transaction Receipt For International Transactions:

• Effective up to and including 14 October 2011, 12 months from Processing Date of latest Transaction; or

• Effective on or after 15 October 2011, 13 months from the Processing Date of latest Transaction.

For Visa Europe Transactions, 13 months from Processing Date of latest Transaction

Dispute Resolution


1-715 November 2011

1.3.C.1 Fulfilment Document RequirementsTable 1-3, Table 1-4 and Table 1-5 describe the data requirements by type of Transaction and Retrieval Request reason code.

Effective on or after 17 October 2009 and up to and including 15 October 2010, a copy of the Transaction Receipt must be provided for Retrieval Requests:

Made using reason code 28 “Request for Copy Bearing Signature”, 33 “Fraud Analysis Request” or 34 “Legal Process Request”; and Where the Transaction is not a Mail/Phone Order Transaction, a Recurring Transaction or an Electronic Commerce Transaction.

Table 1-3 Transaction Receipt Requirements - Effective up to and including 16 October 2009

Retrieval Request Reason Code

28 29 30 32 33 34

Electronic Commerce, Mail/Phone Order or Recurring Transaction

Copy of Transaction Receipt (see Exhibit 7I and Table 1-6)

1

1. Only if the Merchant is T&E

Substitute Transaction Receipt (see Table 1-6) 1

Retail Transaction

Copy of Transaction Receipt (see Exhibit 7I) 1


Small Ticket

Copy of Transaction Receipt (see Exhibit 7I)

Substitute Transaction Receipt (see Table 1-8)

T&E Transaction

Copy of Transaction Receipt (see Table 1-9)

T&E Document (see Table 1-9)


Unattended Acceptance Terminal



Dispute Resolution


15 November 20111-8

Table 1-4 Transaction Receipt Requirements - Effective on or after 17 October 2009 and up to and including 15 October 2010


28 29 30 322

2. Not effective on or after 17 October 2009.

33 34


Copy of Transaction Receipt (see Exhibit 7I andTable 1-6)

1

1. Only if the Merchant is T&E.


Retail Transaction



Small Ticket



T&E Transaction







Dispute Resolution


1-915 November 2011

1.3.C.2 Substitute Transaction Receipt Fulfilment Documents—Data RequirementsThis 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 1-6, “Recurring or Mail/Phone Order, Retail and Electronic Commerce Transactions”; Table 1-7, “Cardholder-Activated Transactions at Unattended Acceptance Terminals”;Table 1-8, “Small Ticket Transactions”; and Table 1-9, “T&E Transactions”.

Table 1-5 Transaction Receipt Requirements - Effective on or after 16 October 2010


28 29 30 33 34


Copy of Transaction Receipt (see Exhibit 7I andTable 1-6)

2

2. Only if the Merchant is T&E.

NOTE: Substitute Transaction Receipts for Retail Transactions and Small Ticket are not required for copy fulfilments processed on or after 16 October 2010.


Retail Transaction


Small Ticket


T&E Transaction



Substitute Transaction Receipt (see Table 1-9)1

1. Effective for copy fulfilments processed on or after 16 October 2010, Substitute Transaction Receipts are only required for T&E Transactions, in a Card-Absent Environment.




Dispute Resolution

Table 1-6 Recurring or Mail/Phone Order, Retail and Electronic Commerce Transactions

Recurring or Mail/Phone Order Transaction

Retail Transactions4

4. Effective for copy fulfilments processed on or after 16 October 2010, a substitute draft is invalid for Retail Transactions.

Electronic Commerce

Document Type

Requested Document Cardholder written permission

Substitute Transaction Receipt

Substitute Transaction Receipt

Required Data

Account Number

Cardholder Name1

1. Effective for copy fulfilments processed on or after 16 October 2010, these data elements are no longer required.

Transaction Date

Transaction Amount

Transaction Currency 1 Not applicable Not applicable

Authorization Code If any If any

Cardholder Signature 2

2. 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 Not applicable

Merchant Name

Merchant Location Online address

Description Merchandise or services Merchandise or services Merchandise or services5

5. 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.

Itemised Charges 1 3

3. Not applicable for Phone Order Transactions.

Not applicable Not applicable

Table 1-7 Cardholder-Activated Transactions at Unattended Acceptance Terminals - Effective up to and including 14 October 2011

Transaction Type

Cardholder-Activated Transaction

Type A1

1. Not applicable to those Transactions supported by Magnetic Stripe Telephone.

Cardholder-Activated Transaction

Type B or Type C1

Document Type

Requested Document Transaction Log Transaction Log

Required Data

Account Number

Transaction Date

Transaction Time

Transaction Amount

Authorization Code

Evidence of electronic Imprint


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Dispute Resolution

Table 1-8 Small Ticket Transactions

Small Ticket Transactions

Required Data

Merchant Name

Transaction Date

Transaction Amount

Confirmation that Cardholder made the Transaction using a Card

Table 1-9 T&E Transactions

Car Rental Airline Hotel Cruise Line

Document Type

Copy of Transaction Receipt

Substitute Transaction Receipt 1

1. Effective for copy fulfilments processed on or after 16 October 2010, Substitute Transaction Receipts are only required for T&E Transactions, in a Card-Absent Environment.

T&E Document 3 3 3

Required Data on Document

Account Number

Cardholder Name 2

2. Effective for copy fulfilments processed on or after 16 October 2010, these data elements are only required in a Card-Present Environment.

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


1-1115 November 2011

Dispute Resolution

1.3.D Electronic Documentation Transfer MethodAll Issuers and Acquirers must use the Electronic Documentation Transfer Method when initiating or responding to a Retrieval Request.

1.3.D.1 Acquirer Responsibilities

1.3.D.1.a An Acquirer must respond to the requesting Issuer within 30 calendar days of the Processing Date of a Retrieval Request with one of the following:

Fulfilment; Non-fulfilment Message; or Interchange log indicating that full credit for the original Transaction Amount was processed to the Cardholder's Account Number as evidence that the dispute has been resolved.

1.3.D.1.b As part of a Fulfilment, an Acquirer may provide the requesting Issuer with a Transaction Receipt that contains a truncated or disguised Account Number.

1.3.D.1.c When a Transaction Receipt contains a truncated or disguised Account Number, an Acquirer may respond to Retrieval Request reason code 30, “Cardholder request due to dispute,” with a Substitute Transaction Receipt containing the complete Account Number and the data elements specified in Section 1.3.C.2 as part of a Fulfilment.

Effective on or after 16 October 2010, 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; Effective for Transactions with a Transaction Date up to and including 14 October 2011, a Transaction using a Magnetic Stripe Telephone; or Effective for Transactions with a Transaction Date on or after 15 October 2011, a Transaction at an Unattended Acceptance Terminal; or An EMV PIN Transaction, except for:— A T&E Transaction; — A Manual Cash Disbursement; or — A Quasi-Cash Transaction.

3. Must include a copy of all documents relating to the T&E Transaction, including the Transaction Receipt, car rental agreement, or Guest Folio (if one was created) as applicable. The Card Imprint and Cardholder signature must also be included if either or both were obtained.

4. Must include type of car, mileage, rental rates, actual rate, refuelling and insurance charges, adjustments, tax, cash received, billing method, and rental agent ID number.

5. Must include room rate, tax, and food, beverage and incidental charges.



Dispute Resolution

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 1-10.

1.3.D.2 Issuer RightsAn 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 FeesWhen 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 RecoveryAn Issuer may recover the relevant fees it has paid for a Retrieval Request for any of the following reasons:

The Acquirer did not properly supply the requested Transaction Receipt; The Substitute Transaction Receipt does not include the required data; or The Retrieval Request resulted from an incorrect Merchant description or a zero-filled or incorrect Transaction Date in the Visa System transmission.

1.4 CHARGEBACKS AND REPRESENTMENT

1.4.A Chargeback and Representment ProcessAfter receiving a Presentment, an Issuer may charge back a Transaction to the Acquirer under the conditions specified in the Dispute Resolution Rules.

Table 1-10 Non-fulfilment Message Codes

Message Code Description

01 Invalid Request: Incorrect Account Number

02 Invalid Request: Not a valid Acquirer Reference Number

03 Item could not be located—Chargeback

04 Acquirer will not fulfil—Chargeback

05 Transaction Receipt not required or previously fulfilled



Dispute Resolution

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.

1.4.B Chargeback LimitationsChargeback 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 TransactionsEffective from 16 October 2010, 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 SettlementA 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 Effective up to and including 15 October 2010, a Customer or a Member sending Chargeback or Representment documentation (as required by the Dispute Resolution Rules) must do so within eight calendar days of the Processing Date of the Chargeback or Representment, using an Electronic Documentation Transfer Method.

ACQUIRER ISSUER

Presentment

RepresentmentPre-Arbitration

(if required)

Arbitration

Chargeback



Dispute Resolution

Effective on or after 16 October 2010, a Customer or a Member sending Chargeback or Representment documentation (as required by the Dispute Resolution Rules) must do so within five calendar days of the Processing Date of the Chargeback or Representment, using an Electronic Documentation Transfer Method.

1.4.D.2.b A Member must not send Chargeback or Representment documentation by mail, fax, or any other non-automated method.

1.4.E Chargeback Reduction Service

1.4.E.1 OverviewIf 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.

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 ChargebackThe 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 ChargebackAn Issuer may charge back a Transaction to an Acquirer under certain conditions. Table 1-11 through Table 1-20 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.



Dispute Resolution

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 each group, the time limits within which a Chargeback must be processed and summary of the type of dispute that applies to each reason code:

Table 1-11, “Request for Information—Group 1 Chargeback Reasons”; Table 1-12, “Fraud—Group 2 Chargeback Reasons”; Table 1-13, “Authorization—Group 3 Chargeback Reasons”; Table 1-14, “Processing Error—Group 4 Chargeback Reasons”; Table 1-20, “Original Credit Money Transfer Chargeback Reasons”; and Table 1-23, “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.

1.4.F.2.a Request for Information—Group 1Table 1-11 lists the Chargebacks that may apply if an Issuer initiated a Retrieval Request and the Acquirer:

Fulfilled the Retrieval Request with an illegible Fulfilment; or Did not provide additional Transaction Information beyond the data submitted in the Clearing Record.



Dispute Resolution

1.4.F.2.b Fraud—Group 2Table 1-12 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 1-11 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.

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

Table 1-12 Fraud—Group 2 Chargeback Reasons

Chargeback Reasons


Transaction1

Fraudulent Multiple Transactions

57 • Multiple Transactions occurred on a single Card at the same Merchant Outlet without the Cardholder's permission.

• Applies when multiple Transactions have occurred on a single Card at the same Merchant Outlet without the Cardholder's permission.

120

Counterfeit Transaction

62 • A Counterfeit Card was used for a Magnetic Stripe or Chip-initiated Transaction that received Authorization but the Authorization Request did not include the required data or contained altered data.

• Applies when a Counterfeit Card has been used for a Magnetic Stripe or 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 where required risk control procedures were not followed.

120



Dispute Resolution

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 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

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:



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 1-12 Fraud—Group 2 Chargeback Reasons (Continued)

Chargeback Reasons


Transaction1



Dispute Resolution

1.4.F.2.c Authorization—Group 3Table 1-13 lists the Chargebacks that may apply if a Merchant or an Acquirer did not follow the proper Authorization procedures for accepting a Transaction.

Table 1-13 Authorization—Group 3 Chargeback Reasons

Chargeback Reasons


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 Response or Referral Response, and subsequent Authorization was obtained by a means other than Authorization by voice and Merchant completed the Transaction; and

b) Transaction is a Counterfeit Transaction.

75

No Authorization 72 • Authorization was required for a Transaction, but the Merchant did not obtain Authorization.

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

75



Dispute Resolution

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 Merchant did not obtain Authorization.

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 obtain Authorization.

• Applies when the Service Code on the Magnetic Stripe indicated that the Card was invalid for the Transaction, and the Merchant did not obtain Authorization.

75


Table 1-13 Authorization—Group 3 Chargeback Reasons (Continued)

Chargeback Reasons


Transaction1



Dispute Resolution

1.4.F.2.d Processing Error—Group 4Table 1-14 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 1-14 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 time limits and the Cardholder's account was not in good standing on the Processing Date of that Chargeback, or the Transaction was processed more than 180 calendar days from the Transaction Date.

120

Incorrect Currency or Transaction Code or Domestic Transaction Processing Violation

76 • Transaction was processed with an incorrect Transaction code, an incorrect currency code, or the Merchant did not deposit the Transaction Receipt in the Transaction Country.

• Applies when Transaction was processed with an incorrect Transaction code, an incorrect currency code, the Merchant did not deposit the Transaction Receipt in the Transaction Country or the Cardholder was not advised that Dynamic Currency Conversion would occur or was refused the choice of paying in the 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 processed using an Account Number that does not match any on the Issuer’s master file.

120 (effective for Chargebacks up to and including 16 October 2009)

75 (effective for Chargebacks initiated on or after a Processing Date of 17 October 2009)



Dispute Resolution

Incorrect Transaction Amount or Account Number

80 • Transaction Amount is incorrect, or an addition or transposition error was made when calculating the Transaction Amount, or Merchant altered the Transaction Amount after the Transaction was completed without the consent of the Cardholder, or a Transaction was processed using an incorrect Account Number.

• Applies when Transaction Amount is incorrect or an addition or transposition error has occurred, or the Merchant altered the Transaction Amount after the Transaction was completed without the consent of the Cardholder, or the Account Number processed through the Visa System does not match the Account Number on the Transaction 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

Effective for Transactions with a Transaction Date up to and including 14 October 2011, Transaction Exceeds Limited Amount

96 • An Unattended Acceptance Terminal that performs Cardholder-Activated Transaction Type A or Cardholder-Activated Transaction Type B exceeded the allowed Transaction Amount for those types of Transactions.

• Applies when an Unattended Acceptance Terminal that performs Cardholder-Activated Transaction Type A or Cardholder-Activated Transaction Type B exceeded the allowed amount for those types of Transactions.




Table 1-14 Processing Error—Group 4 Chargeback Reasons (Continued)


Transaction1



Dispute Resolution

1.4.F.2.e Cancelled/Returned—Group 5Table 1-15 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 1-15 Cancelled/Returned—Group 5 Chargeback Reasons


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.

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

1.4.F.2.f Non-Receipt Goods/Services—Group 6Table 1-16 lists the Chargebacks that may apply if either:

A Merchant was unable or unwilling to provide the service (including Visa Prepaid Load Services), or the Cardholder or authorized person did not receive the merchandise at the agreed-upon location or by the agreed-upon date; or A Cardholder completed an ATM Cash Disbursement or Load Transaction but did not receive the cash or Load Transaction value, or received only a portion of the cash or Load Transaction value.

Table 1-16 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 Not Received

30 • The Merchant was unable or unwilling to provide the services (including Visa Prepaid Load Services), or the Cardholder or authorized person did not receive the merchandise, at the 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 Load Transaction Value at ATM or Load Device

90 • Cardholder did not receive, or received only a portion of, the money requested for an ATM Transaction or the money loaded on to a Chip Card for a Load Transaction.

• Applies when the Cardholder did not receive, or received only a portion of cash or Load Transaction value.

120



Dispute Resolution

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

1.4.F.3.a ATM or Load Transaction Chargeback ReasonsTable 1-17 lists the only Chargebacks that apply to ATM Transactions. These Chargeback reason codes may also apply to other types of Transactions.

Table 1-17 ATM or Load Transaction Chargeback Reasons

Chargeback Reasons


Transaction1

Counterfeit transaction


• 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.


120


• 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



• 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

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

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



120


Table 1-17 ATM or Load Transaction Chargeback Reasons (Continued)

Chargeback Reasons


Transaction1



Dispute Resolution

1.4.F.3.b Visa TravelMoney Card Chargeback ReasonsTable 1-18 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 1-18 Visa TravelMoney Card Chargeback Reasons

Chargeback Reasons


Transaction1

Counterfeit Transaction


• 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.


120



120



• 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









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 Transaction Receipt.

• Applies when a Mail/Phone Order or Electronic Commerce Transaction occurred and either:



120

Non-Receipt of Cash or Load Transaction value at ATM or Load Device



120


Table 1-18 Visa TravelMoney Card Chargeback Reasons (Continued)

Chargeback Reasons


Transaction1



Dispute Resolution

1.4.F.3.c Telephone Service Transactions at Unattended Acceptance Terminals Chargeback ReasonsTable 1-19 lists the only Chargebacks that apply to:

Effective for Transactions with a Transaction Date up to and including 14 October 2011, Magnetic Stripe Telephone Transactions; or Effective for Transactions with a Transaction Date on or after 15 October 2011, Telephone Service Transactions at Unattended Acceptance Terminals.

These Chargeback reason codes may also apply to other types of Transactions.

Table 1-19 Telephone Service Transactions at Unattended Acceptance Terminals Chargeback Reasons

Chargeback Reasons


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

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 Merchant did not obtain Authorization.

75



120




75



Dispute Resolution

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 signature or PIN, for a Face-to-Face Transaction and either:



120




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

Effective for Transactions with a Transaction Date up to and including 14 October 2011, Transaction Exceeds Limited Amount

96 • An Unattended Acceptance Terminal that performs Cardholder-Activated Transaction Type A or Cardholder-Activated Transaction Type B exceeded the allowed Transaction Amount for those types of Transactions.

• Applies when an Unattended Acceptance Terminal that performs Cardholder-Activated Transaction Type A or Cardholder-Activated Transaction Type B exceeded the allowed amount for those types of Transactions.




Table 1-19 Telephone Service Transactions at Unattended Acceptance Terminals Chargeback Reasons (Continued)

Chargeback Reasons


Transaction1



Dispute Resolution

1.4.F.3.d Original Credit Money Transfer Chargeback ReasonsTable 1-20 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 1-20 Original Credit Money Transfer Chargeback Reasons

Chargeback Reasons


Transaction1










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

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 MethodWhen 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 1-21 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 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

96 Effective for Transactions with a Transaction Date up to and including 14 October 2011, Transaction Exceeds Limited Amount

4



Dispute Resolution

1.4.G Processing Requirements

1.4.G.1 Chargeback DocumentationIf 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.2 Chargeback AmountThe 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 ConversionVisa Europe converts the Billing Currency to the Acquirer's Settlement Currency using the Basic Currency Conversion Rate.



Dispute Resolution

1.5 REPRESENTMENT

1.5.A Representment Reasons, Conditions, and Time LimitsAn Acquirer may represent a Transaction to the Issuer for one of the reasons listed in Table 1-22 within 45 calendar days from the Processing Date of that Chargeback (unless otherwise specified below).

Table 1-22 Representment Reasons, Conditions and Time Limits

Representment Reason Conditions Time Limit for Representment(calendar days)

Mis-sorted Chargeback None 451

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

Missing or incomplete documentation to support Chargeback

Effective for Chargebacks up to and including 16 October 2009, an Acquirer must wait 15 calendar days for document delivery:

• If incomplete supporting documentation is received within the 15 calendar-day waiting period, the Acquirer may represent a Transaction immediately or any time between the document receipt date and day 45; and

• If no supporting documentation is received within the 15 calendar-day waiting period, the Acquirer may represent a Transaction at any time between day 16 and day 45.

Effective for Chargebacks initiated up to and including a Processing Date of 15 October 2010, an Acquirer must allow eight calendar days from the Processing Date of the Chargeback to receive the documents from the Issuer.Effective for Chargebacks initiated on or after a Processing Date of 16 October 2010, 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 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

Chargeback reason code 60 “Illegible Fulfilment”

Legible copy of requested item 452



Dispute Resolution

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; orA 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 A Member must not send Representment documentation by mail, fax or any other non-automated method.

1.5.A.2 Representment AmountFor 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 DifferenceIf the Transaction Currency and the Billing Currency are denominated in the euro or one of its national currency units, the Visa System converts the Transaction Amount to the Billing Currency using the Basic Currency Conversion Rate.

For all other Transactions, the Visa System converts the Transaction Amount to the Billing Currency using the Currency Conversion Rate.

The Acquirer is liable for any difference between the amount of the Chargeback and the Representment amount.

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




Dispute Group 1—Request for Information

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1.6 DISPUTE GROUP 1—REQUEST FOR INFORMATIONA 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 Fulfilment75—Transaction not recognised

Reason Code 60 — Illegible FulfilmentThe Fulfilment supplied in response to a Retrieval Request is illegible.

Reason Code 75 — Transaction not recognisedThe Cardholder does not recognise the Transaction and additional information beyond the data required in the Clearing Record is needed to determine Transaction validity.

Table 1-23 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

1. 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.

2. Chargeback is invalid for both:a) Telephone Service Transactionsb) ATM Cash Disbursements

3. 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. Acquirer must not reassess the Retrieval Request fee to the Issuer.

2. Representment is invalid if a Fulfilment or Non fulfilment Message was not transmitted through the Electronic Documentation Transfer Method.

Additional Information

1. At its option, a Member may provide any additional documentation or information to support the Chargeback or Representment.

2. If documentation is sent to the opposing Member, Exhibit 2E-1 Issuer, Exhibit 2E-1 Acquirer or the Electronic Documentation Transfer Method questionnaire must also be provided.

3. If the Member Message Text is all that is required to support a Chargeback or Representment, use of Exhibit 2E-1 Issuer, Exhibit 2E-1 Acquirer, or the Electronic Documentation Transfer Method questionnaire is optional.



Dispute G

roup 1—Request For Inform

ation


60 Reason Code 60 — Illegible FulfilmentThe 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 - 39




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60 Reason Code 60 — Illegible Fulfilment

Dispute Group 1 Reason Code 60 Condition 1

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

Chargeback Rights and Limitations Member Message Text Documentation

1. Chargeback is invalid for:a) Telephone Service Transactions;b) ATM Cash Disbursements; andc) Effective for Transactions made on or after 12

February 2011, 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. Effective for Transactions processed on or after 15 April 2010, Chargeback is invalid for EMV PIN Transactions (excluding Manual Cash and Quasi-Cash Transactions and T&E 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 transmitted electronically through the Electronic Documentation Transfer Method.

1. Credit or Reversal was processed.

Either that applies:1. CRED MMDDYY

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

2. REVERSAL MMDDYY.

None required

2. Issuer did not meet the applicable Chargeback conditions.

X...X (Specify the reason)

None required

3. Acquirer can remedy the Chargeback.

None required Both:

• Exhibit 2E-1 Acquirer or the Electronic Documentation Transfer Method questionnaire; and

• Legible copy of the Transaction Receipt.



Dispute G


ation


75 Reason Code 75 — Transaction not recognisedThe Cardholder does not recognise the Transaction and additional information beyond the data required in the Clearing Record is needed to determine Transaction validity.

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 - 41


1. Visa Europe recommends that the Acquirer supply all available Transaction details when responding to either:a) Effective for Retrieval Requests up to and including 16 October 2009, Retrieval Request reason code

32 “Cardholder Does Not Recognise Transaction”; orb) Chargeback reason code 75, “Reason Code 75 — Transaction not recognised”, if a Representment right

exists.The Acquirer should provide additional details, such as:i. Detailed description of goods or services that were provided;ii. Description of how Merchant confirmed the Cardholder’s participation, such as Cardholder

signature, PIN, or other authentication method; andiii. Description of how delivery address was confirmed, if applicable, such as use of an address

verification method.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.




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75 Reason Code 75 — Transaction not recognised

Dispute Group 1 Reason Code 75 Condition 1The Cardholder does not recognise the Transaction and additional information beyond the data required in the Clearing Record is needed to determine Transaction validity.


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; ord) EMV PIN Transaction (excluding Manual Cash

and Quasi-Cash Transactions and requests for T&E documents).

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 is received.

3. Chargeback is invalid if any of the following apply:a) Issuer used Retrieval Request reason code 33,

“Fraud Analysis Request” or Retrieval Request reason code 34, “Legal Process Request”;

b) Acquirer supplies a Fulfilment with all required data specified in Section 1.3.C;

c) Lodging/Car Rental No-Show indicator in the Clearing Record is “1”; or

d) Acquirer provided evidence of an Imprint and signature or PIN (does not apply to EMV PIN Transactions that are Manual Cash, Quasi-Cash or T&E Transactions).

4. Chargeback does not apply to an Electronic Commerce Transaction that was coded with ECI value “5” or “6.”

5. Chargeback is invalid when Cardholder states Transaction was fraudulent.

Both:1. 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)

2. RR DATE MMDDYY (if requested Transaction Receipt not fulfilled)

None required



Dispute G


ation


75 Reason Code 75 — Transaction not recognised

Dispute Group 1 Reason Code 75 Condition 1The Cardholder does not recognise the Transaction and additional information beyond the data required in the Clearing Record is needed to determine Transaction validity.



Member Message Text

Documentation

1. Representment must include additional information or Transaction data that was not required in the Clearing Record.

2. 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, as specified in the Visa Europe Operating Regulations, Volume II—Dispute Resolution Rules, Section 1.3.C.2.

3. For 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” and any of the following (for qualifying Transactions and effective dates, refer to Additional Information):a) Transaction was Manual

Cash or Quasi-Cash; andb) Retrieval Request reason

code was "29"1.4. 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.

1. For T&E Document Fulfilment, Transaction Receipt is optional.


Either that applies:

• CRED MMDDYY ARN X...X (23 or 24 digits); or

• REVERSAL MMDDYY.

None required



None required


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 Operating Regulations, Volume I—General Rules, Section 5.2.B.6.a; or

• Both:

- Exhibit 2E-1 Acquirer or the Electronic Documentation Transfer Method questionnaire; and

- Copy of Transaction Receipt or other document with additional information or Transaction data that was not required on the Clearing Record.



Dispute Group 2—Fraud

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1.7 DISPUTE GROUP 2—FRAUDA 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.

The following reason codes are applicable:57—Fraudulent Multiple Transactions62—Counterfeit Transaction81—Fraud—Card-Present Environment83—Fraud—Card-Absent Environment93—Merchant Fraud Performance Program

Reason Code 57 — Fraudulent Multiple TransactionsMultiple Transactions occurred on a single Card at the same Merchant Outlet without the Cardholder’s permission.

Reason Code 62 — Counterfeit TransactionA Counterfeit Card was used for a Magnetic-Stripe or Chip-initiated Transaction that received Authorization but the Authorization Request did not include the required data, or contained altered data.

Reason Code 81 — Fraud—Card-Present EnvironmentA 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 EnvironmentA 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 ProgramVisa Europe notified the Issuer that the Transaction is identified by the Merchant Fraud Performance Program.



Dispute G

roup 2—Fraud


Table 1-24 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.

45 calendar days from the Chargeback Processing Date.


1. 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.

2. If a Retrieval Request was made but the Fulfilment was not received, Issuer may exercise the fraud-related Chargeback and provide the Retrieval Request date.

3. Chargeback is invalid for Emergency Cash Disbursements.

4. For Chargeback reason codes 57, 81, and 83, Chargeback minimum for a T&E Transaction is US $25 or equivalent.

Refer to individual reason codes.


1. If the 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. If documentation is sent to the opposing Member, Exhibit 2E-2 Issuer, Exhibit 2E-2 Acquirer or the Electronic Documentation Transfer Method questionnaire as applicable must also be provided.

3. If a Member Message Text is all that is required to support a Chargeback or Representment, use of Exhibit 2E-2 Issuer, Exhibit 2E-2 Acquirer or the Electronic Documentation Transfer Method questionnaire is optional.

4. The Acquirer must not reassess the Retrieval Request fee to the Issuer.5. An Issuer must report Fraud Activity through the Visa System as specified in the

Visa Europe Operating Regulations, Volume I—General Rules, Section 3.16.A.6. For reason code 81 involving an Airline Transaction, and for reason code 83, an

Acquirer may represent with compelling evidence of Cardholder participation.




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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; and4. Card was in Cardholder’s possession at the time of the disputed Transaction.

1 - 46


1. The Transaction Receipts may contain different Transaction Dates and Transaction Amount.2. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, 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.



Dispute G

roup 2—Fraud


57 Reason Code 57 — Fraudulent Multiple Transactions

Dispute Group 2 Reason Code 57 Condition 1All 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. Effective from 12 February 2011, a Retrieval Request is not required if the disputed Transaction is a Small Ticket Transaction.

3. Chargeback is invalid for Transactions occurring in the Card-Absent Environment.

4. Chargeback is invalid for EMV PIN Transactions.

5. Chargeback is invalid for delayed or amended charges.

6. Chargeback is invalid for ATM Cash Disbursements

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

RR DATE MMDDYY, if requested Transaction Receipts not fulfilled.

All of the following:1. Exhibit 2E-2 Issuer or the Electronic

Documentation Transfer Method questionnaire; and

2. Cardholder letter that:a) Acknowledges participation in

at least one Transaction;b) Denies authorizing or

participating in the disputed Transaction; and

c) States that the Card was in the Cardholder’s possession at the time the disputed Transaction occurred.

3. Copies of the Transaction Receipts for the acknowledged and disputed Transactions, if supplied. If acknowledged Transaction was not processed, Issuer must supply the Cardholder copy of the Transaction Receipt.

4. If acknowledged Transaction was not processed, Issuer must supply the Cardholder copy of the Transaction Receipt.




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57 Reason Code 57 — Fraudulent Multiple Transactions


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 - 45.



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.”


Either that applies:1. CRED

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

2. REVERSAL MMDDYY.

None required


X...X (Specify the reasons)

None required


None required All of the following:1. Exhibit 2E-2 Acquirer or the Electronic

Documentation Transfer Method questionnaire.

2. Effective for Chargebacks initiated on or after 15 November 2008, 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.



Dispute G

roup 2—Fraud


62 Reason Code 62 — Counterfeit TransactionA Counterfeit Card was used for a Magnetic-Stripe or Chip-initiated Transaction that received Authorization but the Authorization Request did not include the required data, or contained altered data, or a Counterfeit Transaction occurred at a Merchant or Member location where required risk control procedures were not followed.


1 All of the following:a) Cardholder denies authorizing or participating in the disputed Transaction;b) Effective for Transactions completed up to and including 14 April 2010, Card

Verification Value (CVV) was encoded on the Magnetic Stripe or Chip of the Card in question;

c) Effective for Transactions completed on or after 15 April 2010, 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

d) Online Authorization was obtained without transmission of the entire unaltered data on track 1 or 2.

1 - 50

2 Cardholder denies authorizing or participating in the disputed Transaction and both of the following (for qualifying Transactions and effective dates, refer to Additional Information):a) Card is a Chip Card containing a Visa Smart Payment; andb) 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.

1 - 52

3 Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, all of the following:

a) Cardholder denies authorizing or participating in the disputed Transaction; andb) Transaction was completed with a Counterfeit Card and was a Manual Cash

Disbursement or a Quasi Cash Transaction completed in a Face-to-Face Environment; and

c) The Merchant and the Member fail to both:i. Compare the first four digits of the embossed or printed Account Number with

the four digits printed below the embossed or printed Account Number; andii. 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 2, an Acquirer must provide information/documentation such as

evidence indicating Card Account Number was not listed on the Exception File, or account was not closed, or Transaction was not reported as fraud.

3. 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):

Effective from 1 October 2010, all International Transactions between Visa Europe and Visa Inc. (Canada).

- Visa Inc. (Asia Pacific):

Effective from 1 October 2010, International Transactions between Visa Europe and Visa Inc. (Asia Pacific - All Countries), that are Counterfeit Transactions at a Point-of Transaction, excluding ATM Cash Disbursements.Effective from 1 April 2013, International Transactions between Visa Europe and Visa Inc. (Australia and New Zealand only) that are ATM Cash Disbursements.

- Visa Inc. (LAC):

Effective from 1 April 2011, International Transactions between Visa Europe and Visa Inc. (Brazil and Mexico only), that are either of the following types: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 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):

N/A4. 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.



Dispute G

roup 2—Fraud


62 Reason Code 62 — Counterfeit Transaction


1. Cardholder denies authorizing or participating in the disputed Transaction.2. Effective for Transactions completed up to and including 14 April 2010, Card Verification

Value (CVV) was encoded on the Magnetic Stripe or Chip of the Card in question.3. Effective for Transactions completed on or after 15 April 2010, 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.

4. 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 the

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

c) Effective for Transactions completed up to and including 14 April 2010, report the fraud activity through the Visa System; and

d) Effective for Transactions completed on or after 15 April 2010, 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”; or

b) All data elements that create the EMV Online Card Authentication Cryptogram are contained in the message.

7. Chargeback is invalid for Transactions completed with a Proprietary Card bearing the Plus Symbol.

For an ATM Transaction:CH DISP, CVV ENCODED, FRD RPT, ISS CVS PARTICIPANT

For an ATM Transaction, none required.For all other Transactions, both:1. Exhibit 2E-2 Issuer or the

Electronic Documentation Transfer Method questionnaire certifying all of the following:a) Card Verification Value was

encoded on the Card in question;

b) Issuer was a participant in the Card Verification Service at the time of Authorization; and

c) Effective for Chargebacks up to and including 16 October 2009:i. Closed the Account

Number;ii. Listed the Account

Number on the Exception File with a Pickup Response, for a minimum of 30 calendar days; and

iii. Reported the fraud activity through the Visa System.

2. Cardholder letter denying authorization or participation in the Transaction.




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Dispute Group 2 Reason Code 62 Condition 1 All of the following:

1. Cardholder denies authorizing or participating in the disputed Transaction.2. Effective for Transactions completed up to and including 14 April 2010, Card Verification

Value (CVV) was encoded on the Magnetic Stripe or Chip of the Card in question.3. Effective for Transactions completed on or after 15 April 2010, 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.

4. Online Authorization was obtained without transmission of the entire unaltered data on track 1 or 2.





1. The Acquirer or Load Acquirer must have been certified as a Card Verification Service participant at the time the Authorization occurred.

2. For a Representment due to an Issuer failing to meet the requirements specified in Chargeback Rights and Limitations 1, the Acquirer must provide information/documentation to support this claim.

3. 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; andb) Report is required

documentation to support the Representment.


Either that applies:1. CRED MMDDYY ARN

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

2. REVERSAL MMDDYY.

None required


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


Either that applies: 1. AUTH DATE

MMDDYY CODE X...X POS XX (Specify POS Entry Mode code value); or

2. AUTHENTICATION CRYPT IN AUTH.

As applicable



Dispute G

roup 2—Fraud



Dispute Group 2 Reason Code 62 Condition 2Cardholder denies authorizing or participating in the disputed Transaction and both of the following (for qualifying Transactions and effective dates, refer to Additional Information):

1. Card is a Chip Card containing a Visa Smart Payment; and2. 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.


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.

2. Chargeback is invalid for Chip-initiated 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 with a Transaction Date up to and including 14 October 2011, with the exception of Magnetic-Stripe Telephone Transactions occurring in the Territory, Chargeback is valid for Cardholder-Activated Type A Transactions only if both of the following are correct:a) Transaction value is greater than or equal to

€25; andb) 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.

5. Effective for Transactions with a Transaction Date up to and including 14 October 2011, for Visa Europe Transactions, Chargeback is only valid for Cardholder-Activated Type B Magnetic Stripe Transactions originating from Merchant Category Code 4784 in the Territory if both of the following are correct:a) Transaction value is greater than or equal to



Effective for Chargebacks up to and including 16 October 2009, EMV CARD, NON EMV DEVICE, EXCP FILE, FRD RPT, ACC CLOSEDEffective for Chargebacks initiated on or after a Processing Date of 17 October 2009, EMV CARD, NON EMV DEVICE

Both:1. Exhibit 2E-2 Issuer or

the Electronic Documentation Transfer Method questionnaire and, effective for Chargebacks up to and including 16 October 2009, certification of all of the following:a) Closed the

Account Number;

b) Listed the Account Number on the Exception File with a Pickup Response, for a minimum of 60 calendar days; and

c) Reported the fraud activity through the Visa System using fraud type code 4.





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6. Effective for Visa Europe Transactions with a Transaction Date on or after 15 October 2011, 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”; andv. 7523 “Parking Lots and Garages”.

b) Transaction value is greater than or equal to €25; and

7. 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.

Chargeback Rights and Limitations (Continued) Member Message Text Documentation



Dispute G

roup 2—Fraud



Dispute Group 2 Reason Code 62 Condition 2Cardholder denies authorizing or participating in the disputed Transaction and both 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.





1. The Acquirer or Load Acquirer must have been certified as a Card Verification Service participant at the time the Authorization occurred.

2. For a Representment due to an Issuer failing to meet the requirements specified in Chargeback Rights and Limitations 1, the Acquirer must provide information/documentation to support this claim.

3. 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; andb) Report is required

documentation to support the Representment




2. REVERSAL MMDDYY.

None required

2. Issuer did not meet the Chargeback conditions.

Either that applies: 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



reasons); 2. AUTH DATE

MMDDYY CODE X...X POS XX (Specify POS Entry Mode code value); or

3. AUTHENTICATION CRYPT IN AUTH.

As applicable




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Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, all of the following:

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

The Issuer must meet all of the following conditions on or before the Chargeback Processing Date:1. Close the Cardholder account; 2. List the Account Number on the

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

3. Effective for Transactions completed up to and including 14 April 2010, report the fraud activity through the Visa System; and

4. Effective for Transactions completed on or after 15 April 2010, report the fraud activity through the Visa System using fraud type code 4.

EMBOSSED/PRINTED DIGITS NOT COMPARED

All of the following:1. Exhibit 2E-2 Issuer or the Electronic

Documentation Transfer Method questionnaire;

2. Copy of legible Transaction Receipt; and

3. Cardholder letter denying Authorization or participation in the Transaction.



Dispute G

roup 2—Fraud




Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, all of the following:

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.





None 1. Credit or Reversal was processed.



2. REVERSAL MMDDYY

None required



reasons); or 2. FRD NOT RPT, EXCP

FILE NOT LSTD, ACC NOT CLSD.

As applicable


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




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81 Reason Code 81 — Fraud—Card-Present EnvironmentA 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.

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 - 62

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 - 65



Dispute G

roup 2—Fraud



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. (LAC):



- Visa Inc. (USA):

N/A3. For Representment Rights and Limitations 2, an Acquirer must provide information/documentation such as

evidence indicating Card Account Number was not listed on the Exception File, or account was not closed,

or 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.

1. Applies to conditions 1 and 3 only.




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81 Reason Code 81 — Fraud—Card-Present Environment

Dispute Group 2 Reason Code 81 Condition 1 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 one of the following:a) Effective for Transactions with a Transaction

Date up to and including 14 October 2011, a Transaction at a Magnetic-Stripe Telephone;

b) Effective for Transactions with a Transaction Date up to and including 14 October 2011, a Cardholder-Activated Transaction Type B; or

c) Effective for Transactions with a Transaction Date on or after 15 October 2011, 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:a) Close the Cardholder account;b) List the Account Number on the Exception File


c) Report the fraud activity through the Visa System.

3. Effective for Transactions with a Transaction Date up to and including 14 October 2011, one Chargeback may contain up to 25 Magnetic-Stripe Telephone Transactions if all of the following are true:a) Each Transaction Amount is less than US $40

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. Effective for Transactions with a Transaction Date on or after 15 October 2011, 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


RR DATE MMDDYY, if requested Transaction Receipts not fulfilled

All of the following:1. Exhibit 2E-2 Issuer

or the Electronic Documentation Transfer Method questionnaire, and effective for Chargebacks up to and including 16 October 2009, certification that the Issuer completed all of the following on or before the Chargeback Processing Date:a) Closed the

Account Number

b) Listed the Account Number on the Exception File with a Pickup Response, for a minimum of 30 calendar days

c) Reported the fraud activity through the Visa System


The information required on the Summary of Unauthorized Telephone Service Transactions (Exhibit 2F Issuer) if applicable.



Dispute G

roup 2—Fraud



5. Chargeback is invalid if both of the following were obtained:a) Legible imprint for the Transaction in question;

andb) Signature or PIN.

6. Chargeback is invalid for an ATM Transaction.7. Effective for Transactions with a Transaction

Date up to and including 14 October 2011, Chargeback is invalid for all Cardholder-Activated Transactions Type B that:a) Originated with a Counterfeit Card; andb) 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 eitheri. A Magnetic Stripe-only Card; orii. A Chip Card that is EMV-Compliantand

Signature-Preferring.8. Effective for Transactions with a Transaction

Date on or after 15 October 2011, Chargeback is invalid for all Cardholder-Activated Transactions at an Unattended Acceptance Terminal that:a) Originated with a Counterfeit Card; andb) 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 eitheri. A Magnetic Stripe-only Card; orii. A Chip Card that is EMV-Compliant and

Signature-Preferring.9. Effective for Transactions with a Transaction

Date up to and including 14 October 2011, Chargeback invalid for Cardholder-Activated Transaction Type A (excluding Magnetic-Stripe Telephone Transactions).

10.Effective for Transactions with a Transaction Date on or after 15 October 2011, 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”; ande) 7523 “Parking Lots and Garages”.


12. Chargeback invalid for a Small Ticket Transaction.





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Dispute Group 2 Reason Code 81 Condition 1 Cardholder did not authorize or participate in a Card-Present Environment Transaction.




Member Message Text

Documentation

1. For a Representment due to an Issuer failing to meet the requirements specified in Representment 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. 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, as specified in the, Section 1.3.C.2.




2. REVERSAL MMDDYY.

None required



As applicable


None required Exhibit 2E-2 Acquirer or the Electronic Documentation Transfer Method questionnaire, and one of the following:1. Evidence of both:

a) A legible imprint for the Transaction in question; and

b) A signature or PIN.2. For a below-Floor Limit

Transaction, evidence of signature or PIN and internal record or log proving Magnetic-Stripe read or chip-initiated, with explanation of fields.

3. For an above-Floor Limit Transaction that was key-entered following a Referral Response, all of the following:a) Referral Authorization

record proving Magnetic-Stripe read or Chip-initiated within 24 hours of the Transaction;

b) International Automated Referral Service log; and

c) Evidence of signature or PIN.

4. For an Airline Transaction only, compelling evidence that the Cardholder participated in the Airline Transaction.



Dispute G

roup 2—Fraud



Dispute Group 2 Reason Code 81 Condition 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. Issuer must request a copy of the Transaction Receipt prior to exercising a Chargeback unless theTransaction is one of the following:a) Effective for Transactions with a Transaction

Date up to and including 14 October 2011, a Transaction at a Magnetic-Stripe Telephone; or

b) Effective for Transactions with a Transaction Date up to and including 14 October 2011, a Cardholder-Activated Transaction Type B.

c) Effective for Transactions with a Transaction Date on or after 15 October 2011, a Cardholder-Activated Transaction at an Unattended Acceptance Terminal.

2. Effective for Transactions with a Transaction Date up to and including 14 October 2011, one Chargeback may contain up to 25 Magnetic-Stripe Telephone Transactions if all of the following are true:a) Each Transaction Amount is less than US $40

or equivalent;b) All of the Transactions appear on Summary of

Unauthorized Telephone Service Transactions (Exhibit 2F Issuer); and


3. Effective for Transactions with a Transaction Date on or after 15 October 2011, 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



4. Chargeback is invalid if the Transaction received an Authorization.

5. Chargeback is invalid if both of the following were obtained:a) A legible imprint for the Transaction in

question; andb) Signature or PIN.

Either that applies:1. NO SUCH CARD; 2. FICTITIOUS

ACCOUNT NUMBER, or

3. RR DATE MMDDYY. and if requested Transaction Receipt not fulfilled

None




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6. Chargeback is invalid for an ATM Transaction.7. Effective for Transactions with a Transaction

Date up to and including 14 October 2011, Chargeback is invalid for Cardholder-Activated Transactions Type A (excluding Magnetic-Stripe Telephone Transactions).

8. Effective for Transactions with a Transaction Date on or after 15 October 2011, 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”.

9. Effective for Transactions with a Transaction Date up to and including 14 October 2011, for a Cardholder-Activated Transaction Type B, 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.

10.Effective for Transactions with a Transaction Date on or after 15 October 2011, for aTransaction 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.





Dispute G

roup 2—Fraud



Dispute Group 2 Reason Code 81 Condition 2Fraudulent 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.




Member Message Text

Documentation

1. 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 Fulfilment which does not contain all the required data elements, as specified in the, Section 1.3.C.2.




2. REVERSAL MMDDYY

None required



As applicable


None required Exhibit 2E-2 Acquirer or the Electronic Documentation Transfer Method questionnaire, and one of the following:1. Evidence of both:


b) A signature or PIN.2. For a below-Floor Limit

Transaction, evidence of signature or PIN and internal record or log proving Magnetic-Stripe read or chip-initiated, with explanation of fields.

3. For an above-Floor Limit Transaction that was key-entered following a Referral Response, all of the following:a) Referral Authorization

record proving Magnetic-Stripe read or Chip-initiated within 24 hours of the Transaction

b) International Automated Referral Service log; and

c) Evidence of signature or PIN.




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Dispute Group 2 Reason Code 81 Condition 3Card 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:a) Close the Cardholder account; b) List the Account Number on the Exception File


c) 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;

andb) PIN.

4. Effective for Visa Europe Transactions with a Transaction Date up to and including 14 October 2011, with the exception of Magnetic-Stripe Telephone Transactions, Chargeback is valid for Cardholder-Activated Type A Transactions only if both of the following are correct:a) Transaction value is greater than or equal to



5. Effective for Visa Europe Transactions with a Transaction Date up to and including 14 October 2011, Chargeback is only valid for Cardholder-Activated Type B Magnetic Stripe Transactions originating from Merchant Category Code 4784 if both of the following are correct:a) Transaction value is greater than or equal to

€25; andb) Transaction 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.

Either that applies: 1. PIN PREFERRING CHIP

CARD, DEVICE NON PIN COMP; or

2. EMV CARD, NON EMV DEVICE.

All of the following:1. Exhibit 2E-2 Issuer

or the Electronic Documentation Transfer Method questionnaire, and, effective for Chargebacks up to and including 16 October 2009, certification of all of the following:a) Closed the

Account Number;


c) Reported the fraud activity through the Visa System.


3. Issuer certification that the Card was a PIN-Preferring Chip Card.



Dispute G

roup 2—Fraud



6. Effective for Visa Europe Transactions with a Transaction Date on or after 15 October 2011, 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”; orv. 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.

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





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Dispute Group 2 Reason Code 81 Condition 3Card 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.




Member Message Text

Documentation

For a Representment due to an Issuer failing to meet the requirements specified in Chargeback Rights and Limitations 1, the Acquirer must provide information/documentation to support this claim.




2. REVERSAL MMDDYY

None required


Any that applies: 1. X...X (Specify the

reasons)2. EMV PIN COMPL

DVCE, NON PIN PREF CD

3. NO PED, MAG STRIPE READ

4. PIN BYPASS, CVM/IAC FOLLOWED

5. EXCP FILE NOT LSTD, FRD NOT RPT, ACC NOT CLSD

As applicable


None required Exhibit 2E-2 or the Electronic Documentation Transfer Method questionnaire, and evidence of both:


b) PIN.



Dispute G

roup 2—Fraud


83 Reason Code 83 — Fraud—Card-Absent EnvironmentA 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.

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2 No valid Card was issued or outstanding that bears the Account Number, or a fraudulent Transaction was completed in a Card-Absent Environment using a Fictitious Account Number and no Authorization was obtained.

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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.

1. Applies to condition 1 only.




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83 Reason Code 83 — Fraud—Card-Absent Environment

Dispute Group 2 Reason Code 83 Condition 1Cardholder 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:a) Mail/Phone Order;b) Electronic Commerce Transaction; or

c) Recurring Transaction1.2. On or before the Chargeback Processing Date, the

Issuer must complete all of the following:a) Close the Cardholder account;b) List the Account Number on the Exception File


c) Report the fraud activity through the Visa System.

3. One Chargeback may contain up to 25 Telephone Service Transactions if all of the following are true:a) Amount of each Transaction is less than

US $40 or equivalent;b) All Transactions appear on the Summary of



4. Chargeback is valid for an Electronic Commerce Transaction where the Issuer responded to an Authentication Request with either:a) An Unable-to-Authenticate Response or

Authentication Denial; orb) 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. Chargeback does not apply to Secure Electronic

Commerce Transaction if both2:a) Issuer responded to an Authentication Request

with an Authentication Confirmation using 3-D Secure; and

b) Both of the following were included in the Authorization Request:i. Cardholder Authentication Verification

Value; andii. Authentication Identifier.

1. RR DATE MMDDYY, if requested Transaction 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 following1. Exhibit 2E-2 Issuer

or the Electronic Documentation Transfer Method questionnaire, and effective for Chargebacks up to and including 16 October 2009, certification that the Issuer completed all of the following on or before the Chargeback Processing Date:a) Closed the

Account Number;


c) Reported the fraud activity through the Visa System.


3. Transaction Receipt, if received.



Dispute G

roup 2—Fraud



6. 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; or

b) Both:i. Issuer, or Visa Europe on behalf of the Issuer,

responded to an Authentication Request with an Attempt Response using 3-D Secure; and

ii. A Cardholder Authentication Verification Value and Authentication Identifier were included in the Authorization Request.

7. Chargeback is invalid for Transactions authorized through the Emergency Payment Authorization Service.


9. 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.10.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”; oriii. “9 – Cardholder states CVV2 is not present

on the Card”.

4. The information required on the Summary of Unauthorized Telephone Service Transactions (Exhibit 2F Issuer) if applicable.

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. Excludes Transactions made with an anonymous Prepaid Card, attempted International Transactions made with a Visa Commercial Card and Transactions conducted in New Channels.





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Dispute Group 2 Reason Code 83 Condition 1 Cardholder did not authorize or participate in a Card-Absent Environment Transaction.




Member Message Text

Documentation

1. For a Representment due to an Issuer failing to meet the requirements as specified in Chargeback Rights and Limitations 2, the Acquirer must provide information/documentation to support this claim.

2. 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, as specified in the Visa Europe Operating Regulations, Volume II—Dispute Resolution Rules, Section 1.3.C.2.

3. Transaction Receipt contains both a signature (or PIN was obtained) and an Electronic Imprint (use of POS Entry Code “02”, “90”, “07” or “05”) or a Manual Imprint for the disputed Transaction in question.

4. Merchant attempted to authenticate the Cardholder using 3-D Secure but the Cardholder was not participating.




2. REVERSAL MMDDYY.

None required



As applicable


None required 1. Exhibit 2E-2 or the Electronic Documentation Transfer Method questionnaire.

2. Evidence of Imprint and signature or PIN.

3. If a Secure Electronic Commerce or Non-Authenticated Security Transaction has an ECI value of “6,” proof that Issuer responded to the Authentication Request with a Cardholder Authentication Verification Value and Authentication Identifier (if applicable).

4. Compelling evidence that the Cardholder participated in the Transaction.



Dispute G

roup 2—Fraud



Dispute Group 2 Reason Code 83 Condition 2 No valid Card was issued or outstanding that bears the Account Number, or a fraudulent Transaction was completed in a Card-Absent Environment using a Fictitious Account Number, and no Authorization was obtained.


Documentation

1. The Issuer must retrieve a copy of the Transaction Receipt prior to exercising a Chargeback unless the Transaction is one of the following:a) Mail/Phone Order;b) Electronic Commerce Transaction; or

c) Recurring Transaction.1

2. Chargeback is invalid if Authorization was obtained.3. One Chargeback may contain up to 25 Telephone Service

Transactions if all of the following are true:a) Amount of each Transaction is less than US $40 or

equivalent;b) All Transactions appear on the Summary of Unauthorized

Telephone Service Transactions (Exhibit 2F Issuer);c) Chargeback uses the Acquirer Reference Number/Tracing

Data of the earliest Transaction.4. Chargeback does not apply to Secure Electronic Commerce

Transaction if both2:a) Issuer responded to an Authentication Request with an

Authentication Confirmation using 3-D Secure; andb) Both of the following were included in the Authorization

Request:i. Cardholder Authentication Verification Value; andii. Authentication Identifier.

5. 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; or

b) Both:i. Issuer, or Visa Europe on behalf of the Issuer, responded

to an Authentication Request with an Attempt Response using 3-D Secure; and

ii. A Cardholder Authentication Verification Value and Authentication Identifier were included in the Authorization Request.



1. NO SUCH CARD

2. FICTITIOUS ACCOUNT NUMBER

3. RR DATE MMDDYY, and if requested Transaction Receipt not fulfilled

None required




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8. 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”; andc. the Authorization request was approved.

9. Chargeback is invalid for Transactions where both:a) The Card Verification Value 2 results code in the

Authorization message is “U – Issuer not participating in CVV2 program”

b) The Card Verification Value 2 presence indicator in the Authorization Request is one of the following:i. “1 – CVV2 value is present”;ii. “2 – CVV2 value is on the Card but is illegible”; oriii. “9 – Cardholder states CVV2 is not present on the Card”.

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. Excludes Transactions made with an anonymous Prepaid Card, attempted International Transactions made with a Visa Commercial Card and Transactions conducted in New Channels.

Chargeback Rights and Limitations (Continued) Member Message Text

Documentation



Dispute G

roup 2—Fraud



Dispute Group 2 Reason Code 83 Condition 2 No valid Card was issued or outstanding that bears the Account Number, or a fraudulent Transaction was completed in a Card-Absent Environment using a Fictitious Account Number, and no Authorization was obtained.




Member Message Text

Documentation

1. 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, as specified in the, Section 1.3.C.2.

2. 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.

3. Merchant attempted to authenticate the Cardholder using 3-D Secure but the Cardholder was not participating.



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

2. REVERSAL MMDDYY

None required



As applicable


AUTH MMDDYY CODE X...X (If applicable)

1. Exhibit 2E-2 Acquirer or the Electronic Documentation Transfer Method questionnaire

2. Evidence of Imprint and signature or PIN.

3. If a Secure Electronic Commerce or Non-Authenticated Security Transaction has an ECI value of “6,” proof that Issuer responded to the Authentication Request with a Cardholder Authentication Verification Value and Authentication Identifier (if applicable).




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93 Reason Code 93 — Merchant Fraud Performance ProgramVisa 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.2. Issuer had not successfully charged back the Transaction for another reason.

1 - 76


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.



Dispute G

roup 2—Fraud


93 Reason Code 93 — Merchant Fraud Performance Program

Dispute Group 2 Reason Code 93 Condition 1Both:

1. 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.

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






X...X (23 or 24 digits); or 2. REVERSAL MMDDYY

None required


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


PREV CB MMDDYY RC XX None required



Dispute Group 3—Authorization

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1.8 DISPUTE GROUP 3—AUTHORIZATION

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

The following reason codes are applicable:70—Card Recovery Bulletin or Exception File71—Declined Authorization72—No Authorization73—Expired Card78—Service Code Violation

Reason Code 70 — Card Recovery Bulletin or Exception FileA 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 AuthorizationA 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 CardA Merchant completed a Transaction with a Card that expired prior to the Transaction Date, and the Merchant did not obtain Authorization.

Reason Code 78 — Service Code ViolationFor 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 1-25 General Requirements For Dispute Group 3—Authorization


Time Limit 75 calendar days from the Transaction Processing Date

45 calendar days from the Chargeback Processing Date




3. For Chargeback reason codes 70, 71, 72 and 73, Chargeback is invalid for a T&E Transaction if Account Number was not listed on the Exception File with a negative response on the Chargeback Processing Date.

Refer to individual reason codes



Dispute G

roup 3—A

uthorization



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.



5. If the Member Message Text is all that is required to support a Chargeback or Representment, use of Exhibit 2E-3 Issuer, Exhibit 2E-3 Acquirer or the Electronic Documentation Transfer Method questionnaire is optional.

1. Prior to initiating a Chargeback, an Issuer should verify that an Authorization was not obtained.

Table 1-25 General Requirements For Dispute Group 3—Authorization (Continued)




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70 Reason Code 70 — Card Recovery Bulletin or Exception FileA Merchant did not check the Card Recovery Bulletin or Exception File for a Transaction with an amount that was below the Floor Limit.



1 All of the following:a) Transaction was below the Merchant’s Floor Limit;b) Merchant did not obtain Authorization; andc) Account Number was listed in the Merchant’s Card Recovery Bulletin Region

on the Transaction Date.

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2 All of the following:a) Transaction was below the Merchant’s Floor Limit;b) Merchant did not obtain Authorization;c) Merchant did not perform Account Number Verification; andd) Both:

i. Transaction originated at a U.S. Merchant Outlet; andii. 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.

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Dispute G

roup 3—A

uthorization



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; and b) Regardless of how the Acquirer distributes the Card Recovery Bulletin listings.

3. For Condition 1 only, the EMV liability shift principles, as specified in the Visa Europe Operating Regulations, Volume 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. (LAC):



- Visa Inc. (USA):

N/A4. If a Member’s Authorization records conflict, the Authorization record within the Visa System will prevail

for Arbitration.





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70 Reason Code 70 — Card Recovery Bulletin or Exception File


1. Transaction was below the Merchant’s Floor Limit;2. Merchant did not obtain Authorization; and3. Account Number was listed in the Merchant’s Card Recovery Bulletin Region on the

Transaction Date.



1. If the Transaction Date was not transmitted in the Clearing Record, Chargeback is valid if the Account Number is listed on the Card Recovery Bulletin within 10 calendar days prior to the Transaction Processing Date.


3. Chargeback is invalid for Transactions that took place at a Chip-Reading Device (for qualifying Transactions and effective dates, refer to Additional Information).

LISTED CRB DATE MMDDYY CRB REGION XX

None required



Dispute G

roup 3—A

uthorization




1. Transaction was below the Merchant’s Floor Limit;2. Merchant did not obtain Authorization; and3. Account Number was listed in the Merchant’s Card Recovery Bulletin on the Transaction Date.



Representment Conditions Member Message Text Documentation



X...X (23 or 24 digits); or 2. REVERSAL MMDDYY

None required


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


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.

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; and4. Both:

a) Transaction originated at a U.S. Merchant Outlet; andb) 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 Account Number was listed on the Exception File within 10 calendar days prior to the Transaction Processing Date.


LISTED EXCEPT FILE MMDDYY

None required






2. REVERSAL MMDDYY

None required



None required


As applicable:ACCT NUM NOT ON EXCPT FILE TRAN DATEMMDDYY

None required



Dispute G

roup 3—A

uthorization


71 Reason Code 71 — Declined AuthorizationA 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.

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2 Both:a) Authorization Request for a Magnetic-Stripe read or Chip-initiated Transaction

received a Decline, Pickup, or Referral Response and subsequent Authorization was obtained by a means other than Authorization by voice and Merchant completed the Transaction; and

b) Transaction is Counterfeit.

1 - 87

3 All of the following (for qualifying Transactions and effective dates, refer to Additional Information):

a) Chip-Reading Device transmitted all data elements that create the EMV-Online Card Authentication Cryptogram with a POS entry value of "05";

b) Authorization Response was a Referral Response;c) Authorization Request was approved by means other than Authorization by

voice;d) Approved Transaction is fraudulent;e) Issuer reported the Transaction as fraud activity through the Visa System; andf) 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 - 90


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; orb) 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; andiv. Issuer response.





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71 Reason Code 71 — Declined Authorization

Dispute Group 3 Reason Code 71 Condition 1Authorization 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 if the Account Number was not listed on the Exception File with a negative response on the Chargeback Processing Date.


5. Effective from 1 October 2009, Chargeback is invalid if Authorization was obtained after a Decline Response or Referral Response was

received for the same purchase1.

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

AUTH DECLINED MMDDYY

None required



Dispute G

roup 3—A

uthorization



Dispute Group 3 Reason Code 71 Condition 1Authorization Request received a Decline or Pickup Response and a Merchant completed the Transaction.






2. REVERSAL MMDDYY

None required



None required



MMDDYY CODE X...X

2. TRAN DATE IS MMDDYY NOT MMDDYY

1. For a dispute involving special Authorization procedures, both:a) Exhibit 2E-3 or the

Electronic Documentation Transfer Method questionnaire; 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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Dispute Group 3 Reason Code 71 Condition 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.

2. Transaction is Counterfeit.



Documentation

1. Chargeback is valid if both:a) Authorization Request was processed through

the International Automated Referral Service; and

b) Decline Response was provided.2. Chargeback is invalid if Authorization was obtained

as a result of Visa Stand-In Processing, 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.



ISS CERT TX COUNTERFEIT

Either, as applicable:1. Exhibit 2E-3 Issuer or the

Electronic Documentation Transfer Method questionnaire with Issuer certification that the approved Transaction was Counterfeit and both the initial and subsequent Authorization Requests contained the following identical data:a) Account Number;b) Transaction Date;c) Transaction Amount; andd) Merchant identification.

2. Exhibit 2E-3 Issuer or the Electronic Documentation Transfer Method questionnaire stating all of the following:a) Date and time the call

was received from the International Automated Referral Service;

b) Account Number;c) Transaction Amount; andd) Issuer response.



Dispute G

roup 3—A

uthorization




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.

2. Transaction is Counterfeit.




Member Message Text

Documentation




2. REVERSAL MMDDYY

None required



None required



MMDDYY CODE X...X; or

2. TRAN IS MMDDYY NOT MMDDYY

1. For a dispute involving special Authorization procedures, both:a) Exhibit 2E-3 Acquirer or the







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Dispute Group 3 Reason Code 71 Condition 3All of the following (for qualifying Transactions and effective dates, refer to Additional Information):

1. Chip-Reading Device transmitted all data elements that create the EMV-Online Card Authentication Cryptogram with a POS Entry value of "05";

2. Authorization Response was a Referral Response;3. Authorization Request was approved by means other than Authorization by voice;4. Approved Transaction is fraudulent;5. Issuer reported the Transaction as fraud activity through the Visa System; and6. Account Number was resident on the Exception File with a Pickup Response on the Processing

Date of the Chargeback, and was on the Exception File for a total period of at least 60 calendar days from the date of listing.



None AUTH DECLINED MMDDYY

Exhibit 2E-3 Issuer or the Electronic Documentation Transfer Method questionnaire, 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;c) Transaction Amount; andd) Merchant identification; and

3. The Account Number was resident on the Exception File with a Pickup Response on the Processing Date of the Chargeback, and was on the Exception File for a total period of at least 60 calendar days from the date of listing.



Dispute G

roup 3—A

uthorization



Dispute Group 3 Reason Code 71 Condition 3All of the following (for qualifying Transactions and effective dates, refer to Additional Information):

1. Chip-Reading Device transmitted all data elements that create the EMV-Online Card Authentication Cryptogram with a POS Entry value of "05";

2. Authorization Response was a Referral Response;3. Authorization Request was approved by means other than Authorization by voice;4. Approved Transaction is fraudulent;5. Issuer reported the Transaction as fraud activity through the Visa System; and6. 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.







2. REVERSAL MMDDYY

None required



None required



MMDDYY CODE X...X; or


1. For a dispute involving special Authorization procedures, both:a) Exhibit 2E-3 Acquirer or

the Electronic Documentation Transfer Method questionnaire; and


2. Evidence that the Transaction was Chip-initiated and offline-authorized, if applicable




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72 Reason Code 72 — No AuthorizationAuthorization 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 - 92

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 - 95


1. A 20 per cent variance is allowed to restaurants in consideration of a gratuity.2. For a Mail/Phone Order or Electronic Commerce Transaction, Authorization is valid if either:

a. Transaction Amount is within 15 percent of the authorized amount, if the additional amount represents shipping costs; or

b. Authorization was obtained within seven calendar days of the Transaction Date, as specified in the Visa Europe Operating Regulations, Volume I—General Rules, Section 5.1.E.8.b.

3. For Chargeback Rights and Limitations 7, an Issuer must include documentation supporting the Issuer’s claim that the Transaction would have been declined if correct Transaction data had been provided in the Authorization Request.

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



Dispute G

roup 3—A

uthorization


72 Reason Code 72 — No Authorization

Dispute Group 3 Reason Code 72 Condition 1Transaction exceeded the Floor Limit and Authorization was not obtained on the Transaction Date


Documentation


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; orc) 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. Effective for Transactions with a Transaction Date up to and including 14 October 2011, Chargeback is invalid for Cardholder-Activated Transaction Type A.

7. Effective until 31 March 2009, for International Transactions at an Automated Fuel Dispenser, Chargeback is invalid if both:a) Status Check Authorization was obtained; andb) Transaction Amount is US $50 or less, or local currency

equivalent.8. Effective from 1 April 2009, for International Transactions at

an Automated Fuel Dispenser, Chargeback is invalid if a Status Check Authorization was obtained and either: a) For EMV PINTransactions, the Transaction Amount is

US $100 or less, or local currency equivalent; orb) For all other Transactions, a Transaction Amount of

US $75 or less, or local currency equivalent.9. Effective from 1 April 2009, 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; orb) For all other Transactions, the Transaction Amount must

exceed US $75 or local currency equivalent.10.Effective until 30 September 2009, for Visa Europe

Transactions, for an Automated Fuel Dispenser, Chargeback is invalid if both:a) Status Check Authorization was obtained; andb) Transaction Amount is € 55 or less, or local currency

equivalent.

As applicable:1. NO

AUTHORIZATION2. TRAN EXCEEDS

AUTH AMOUNT3. EMV CARD, NO

AUTH, EXCD CHIP FLOOR LIMIT

4. EMV CARD, INVALID FALLBACK DATA

None required




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11. Effective from 1 October 2009, 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; orb) For all other Transactions, a Transaction Amount of US

$75 or less, or local currency equivalent. 12. Effective from 1 October 2009, 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; orb) For all other Transactions, the Transaction Amount must

exceed US $75 or local currency equivalent. 13. Chargeback is valid if Transaction required Authorization,

and Authorization was obtained but subsequently reversed.14.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.

15. 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; andb) Account Number was not on the Card Recovery Bulletin

on the Transaction Date.16. 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).

17. Chargeback is invalid if the Cardholder Authentication Verification Value was not validated during Authorization of an Electronic Commerce Transaction.


19. Chargeback is valid if the Transaction was a Chip-initiated, Offline Authorized Transaction for an amount exceeding the Merchant's Chip Floor Limit. 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; andd) Where VIP Field 22 Value = 01, Field 25 - POS Condition

Code: Values 00 or 03.20.Effective for Transactions completed on or after 15 April

2010, 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.

Chargeback Rights and Limitations (Continued) Member Message Text

Documentation



Dispute G

roup 3—A

uthorization



Dispute Group 3 Reason Code 72 Condition 1Transaction exceeded the Floor Limit and Authorization was not obtained on the Transaction Date.





For a T&E Transaction where special Authorization procedures were followed, Representment is limited to the sum of the Authorization amounts plus 15 per cent.1 This total must not exceed the Transaction Amount.

1. For a restaurant, up to 20 per cent is allowed.




2. REVERSAL MMDDYY

None required


Either that applies1. X...X (Specify the

reasons)2. EMV CARD, VALID

FALLBACK DATA; or 3. NOT AN EMV

CARD, NON EMV DEVICE.

As applicable


Either that applies1. AUTH DATE

MMDDYY CODE X...X AMT $XXX; or


For a dispute involving special Authorization procedures, both:1. Exhibit 2E-3 Acquirer or the


2. Certification of Special Authorization Representment Amount (Exhibit 3E).




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Dispute Group 3 Reason Code 72 Condition 2Authorization 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.



Documentation

1. Authorization is invalid if Merchant used invalid or incorrect Transaction data, as specified in the Visa Europe System Manuals for those using and the Visa Europe Systems and the VisaNet Manuals for those using the Visa Inc. Systems, for example:a) Incorrect Transaction Date;b) Incorrect Merchant Category Code;c) Incorrect indicator for the Merchant or

Transaction type;d) Incorrect country code/state or special

condition indicator.2. Chargeback is valid for the entire Transaction

amount.3. Chargeback applies when the Authorization

Request and Clearing Record are processed by either the same or different Acquirers.

4. Chargeback does not apply to Transactions Authorized with Merchant Category Codes 9701 or 9702.

AUTH OBTAINED USING INVALID DATA

1. Completed Electronic Documentation Transfer Method Questionnaire or Issuer Chargeback/Acquirer Representment Form - Non-Matching Merchant Category Code including the Chargeback Reference Number, if used.

2. Documentation to support the Issuer's claim that the Transaction would have been declined if Transaction data had been provided in the Authorization Request.



Dispute G

roup 3—A

uthorization



Dispute Group 3 Reason Code 72 Condition 2Authorization 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.








2. REVERSAL MMDDYY

None required



As applicable


None 1. Exhibit 2E-3 or the Electronic Documentation Transfer Method questionnaire; and

2. V.I.P Transaction Research Service Transaction Detail Report (available from Visa), and the Clearing Record of the first Presentment




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73 Reason Code 73 — Expired CardA Merchant completed a Transaction with a Card that expired prior to the Transaction Date, and the Merchant did not obtain Authorization.


1 Both:1. Card expired prior to the Transaction Date2. Merchant did not obtain Authorization

1 - 98


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.



Dispute G

roup 3—A

uthorization


73 Reason Code 73 — Expired Card


1. Card expired prior to the Transaction Date. 2. 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; orc) 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.



5. Chargeback does not apply to Chip-initiated Transactions.

6. For Visa Europe Transactions, Chargeback is invalid for correctly flagged Recurring

Transactions1.

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




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73 Reason Code 73 — Expired Card


1. Card expired prior to the Transaction Date. 2. Merchant did not obtain Authorization.







2. REVERSAL MMDDYY

None required



None required


Either that applies:1. AUTH DATE

MMDDYY; 2. CARD NOT

EXPIRED ON TRAN DATE;

3. CHECK-IN DATE MMDDYY;

4. RENTAL DATE MMDDYY; or

5. EMBARK DATE MMDDYY.

Exhibit 2E-3 Acquirer or the Electronic Documentation Transfer Method questionnaire, and one of the following:1. Merchant’s Authorization

log;2. Documentation to prove

the Card was not expired on the Transaction Date; or




Dispute G

roup 3—A

uthorization


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 Merchant did not obtain Authorization.


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; andb) 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; andb) Merchant did not obtain Authorization.

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 - 101


15 November 20111-100


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For International Transactions both:1. A Merchant completed a Magnetic-Stripe read Transaction on a Visa Electron Card or a Visa

Card in a registered positive Authorization (X2X Service Code) account range1; and2. 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 2. Merchant did not obtain Authorization.



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

b) Merchant did not obtain Authorization.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”; orii. “Prompt for PIN if PIN pad present”; or

b. Is not valid for issuance, as specified in the Payment Technology Standards Manual.

3. For Visa Europe Transactions chargeback is valid for a below-Floor Limit Magnetic-Stripe-read Transaction where the Card was a Chip Card and the Service Code on the Card indicated “Positive Authorization mandatory” (Online Authorization required).

4. Visa Europe Transactions, Service Code violation chargebacks are valid for below-Floor Limit Magnetic 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.

None required None required


1-10115 November 2011

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roup 3—A

uthorization



Dispute Group 3 Reason Code 78 Condition 1For International Transactions both:

1. A Merchant completed a Magnetic-Stripe read Transaction on a Visa Electron Card or a Visa Card in a registered positive Authorization (X2X Service Code) account range1; and

2. Merchant did not obtain Authorization.

For Visa Europe Transactions both:1. A Merchant completed a Magnetic-Stripe Transaction when the Service Code indicated that

the Card was invalid for the Transaction type; and 2. Merchant did not obtain Authorization.




Member Message Text

Documentation




2. REVERSAL MMDDYY.

None required



None required


AUTH DATE MMDDYY

Exhibit 2E-3 Acquirer or the Electronic Documentation Transfer Method questionnaire, 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.


15 November 20111-102

Dispute Group 4—Processing Error

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1.9 DISPUTE GROUP 4—PROCESSING ERRORA Merchant, an Originating Member, or an Acquirer processed a Transaction incorrectly. The following reason codes are applicable:

74 —Late Presentment76 —Incorrect Currency or Transaction Code or Domestic Transaction Processing Violation77 —Non-Matching Account Number80 —Incorrect Transaction Amount or Account Number82 —Duplicate Processing86 —Paid by Other Means96 —Transaction Exceeds Limited Amount

Reason Code 74 — Late PresentmentTransaction 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 Processing ViolationTransaction was processed with an incorrect Transaction code, or an incorrect currency code, or the Merchant did not deposit a Transaction Receipt in the country where the Transaction occurred, or the Cardholder was not advised that Dynamic Currency Conversion would occur or was refused the choice of paying in the Merchant’s local currency, 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 NumberTransaction 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 ProcessingA single Transaction was processed more than once.

Reason Code 86 — Paid by Other MeansMerchandise or service was received but paid for by other means.

Reason Code 96 — Transaction Exceeds Limited Amount Effective for Transactions with a Transaction Date up to and including 14 October 2011, an Unattended Acceptance Terminal that performs Cardholder-Activated Transaction Type A or Cardholder-Activated Transaction Type B exceeded the allowed amount.


1-10315 November 2011

Dispute G

roup 4—

Processing Error


Table 1-26 General Requirements For Dispute Group 4—Processing Error


Time Limit 1. Effective for Chargebacks up to and including 16 October 2009, 120 calendar days from the Transaction Processing Date. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, for reason codes 77 and 96, the time limit is 75 calendar days from the Processing Date of the Transaction. For all other Chargebacks, except for reason codes 77 and 96, the time limit is 120 days from the Processing Date Processing Date of the Transaction.

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



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


Additional Information 1. At its option, a Member may provide any additional documentation or information to support the Chargeback or Representment.

2. If documentation is sent to the opposing Member, Exhibit 2E-4 Issuer, Exhibit 2E-4 Acquirer, or the Electronic Documentation Transfer Method questionnaire as applicable must also be provided.



15 November 20111-104


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74 Reason Code 74 — Late PresentmentTransaction 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 - 106

2 Transaction Date is more than 180 calendar days prior to the Processing Date. 1 - 108


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.)


1-10515 November 2011

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roup 4—

Processing Error


74 Reason Code 74 — Late Presentment

Dispute Group 4 Reason Code 74 Condition 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.


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.

6. Effective for Visa Europe Transactions with a Transaction Date up to and including 30 June 2011 where that Transaction Date is more than six calendar days prior to the Processing Date for all of the following:a) Visa Card bearing the Visa Flag Symbol used for an

electronically data captured Transaction; andb) Visa Electron Card bearing the Visa Flag Symbol

issued in the Territory and accepted by a Visa Merchant.

ACCOUNT STATUS CODE (Supply the appropriate code in the last position of the text):X=CounterfeitO=Account ClosedC=Account ProblemF=Other Fraud (such as lost, stolen, not received)

None required


15 November 20111-106


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1. Transaction was not processed within the required time limit. 2. Account Number was not in good standing on the Processing Date.


Representment Conditions Member Message Text

Documentation




2. REVERSAL MMDDYY.

None required



None required


CORRECT TRAN DATE MMDDYY

Both:1. Exhibit 2E-4 Acquirer

or the Electronic Documentation Transfer Method questionnaire; and

2. Transaction Receipt with Transaction Date that disproves late Presentment.


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roup 4—

Processing Error



Dispute Group 4 Reason Code 74 Condition 2Transaction 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.

MORE THAN 180 DAYS LATE

None required






2. REVERSAL MMDDYY.

None required



None required


CORRECT TRAN DATE MMDDYY

Both:1. Exhibit 2E-4 Acquirer


2. Transaction Receipt with Transaction Date that disproves late Presentment.


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76 Reason Code 76 — Incorrect Currency or Transaction Code or Domestic Transaction Processing ViolationTransaction was processed with an incorrect Transaction code, or an incorrect currency code, or the Merchant did not deposit a Transaction Receipt in the country where the Transaction occurred, or the Cardholder was not advised that Dynamic Currency Conversion would occur or was refused the choice of paying in the Merchant’s local currency, 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 - 110

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

1 - 111

3 A Domestic Transaction Receipt was not deposited in the country where the Transaction occurred and was processed with an incorrect Transaction Country code, and was not one of the following:1. International Airline Transaction; or 2. Result of a Transaction occurring at a military base, embassy, or consulate.

1 - 112

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 - 115

5 Effective for Chargebacks processed on or after 16 April 2011, 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 - 116


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.2. For condition 4 only:

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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Dispute G

roup 4—

Processing Error


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

Dispute Group 4 Reason Code 76 Condition 1Transaction code is incorrect.


For a Transaction processed with an incorrect Transaction code, Chargeback amount is double the Transaction Amount when either:1. Credit was processed as a debit; or 2. Debit was processed as a credit.

Either that applies:1. CREDIT POSTED AS

DEBIT; 2. DEBIT POSTED AS

CREDIT; 3. PURCHASE POSTED

AS CASH; or 4. CASH POSTED AS

PURCHASE.

None required






2. REVERSAL MMDDYY

None required


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


None required For an ATM Transaction, none required.For all other Transactions, both:1. Exhibit 2E-4 Acquirer


2. Transaction Receipt or other record that proves that the Transaction code was correct.


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Dispute Group 4 Reason Code 76 Condition 2Transaction 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.

2. Chargeback is valid for the entire Transaction Amount.

TRAN CURRENCY IS XXX NOT XXX, where XXX = numeric Currency Code value as specified in the VisaNet Manuals

None required






2. REVERSAL MMDDYY

None required




None required Both:1. Exhibit 2E-4 Acquirer


2. Transaction Receipt or other record that proves that the Transaction Currency was correct.


1-11115 November 2011

Dispute G

roup 4—

Processing Error



Dispute Group 4 Reason Code 76 Condition 3 A Domestic Transaction Receipt was not deposited in the country where the Transaction occurred and was processed with an incorrect Transaction Country code, and was not one of the following:

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

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


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 country or 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 Transaction Receipt.

3. Chargeback is valid for the entire Transaction Amount.

TRAN OCCURRED IN X...X

None required


15 November 20111-112


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Dispute Group 4 Reason Code 76 Condition 3 A Domestic Transaction Receipt was not deposited in the country where the Transaction occurred and was processed with an incorrect Transaction Country code, and was not one of the following:

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

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



Member Message Text

Documentation




2. REVERSAL MMDDYY

None required



None required


None required Both:1. Exhibit 2E-4 Acquirer or the


2. Transaction Receipt or other record to prove either:a) Transaction was deposited

properly and processed with the correct Transaction Country code; or

b) Transaction occurred at a military base, embassy, consulate, or is an International Airline Transaction.


1-11315 November 2011

Dispute G

roup 4—

Processing Error



Dispute Group 4 Reason Code 76 Condition 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. Dynamic Currency Conversion occurred and the Cardholder was either:a) Not advised that Dynamic Currency

Conversion would take place; orb) Refused the choice of paying in the

Merchant’s local currency.2. Chargeback is valid for the entire Transaction

Amount.

Either that applies:1. DCC —

CARDHOLDER NOT ADVISED

2. DCC — CARDHOLDER REFUSED OPTION OF LOCAL CURRENCY

1. Exhibit 2E-4 Acquirer or the Electronic Documentation Transfer Method questionnaire.

2. A Cardholder letter stating the Cardholder was not advised that Dynamic Currency Conversion would occur or was not offered a choice to pay in the Merchant’s local currency.

3. Copy of the Cardholder’s Transaction Receipt (if available).


15 November 20111-114


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Dispute Group 4 Reason Code 76 Condition 4Cardholder was not advised that Dynamic Currency Conversion would occur or was refused the choice of paying in the Merchant’s local currency.




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 Currency Conversion. The Representment must:1. Exclude fees or

commission charges directly related to Dynamic Currency Conversion that were applied to the Transaction; and

2. Include a copy of the Dynamic Currency Conversion Transaction Receipt.




2. REVERSAL MMDDYY

None required



None required




2. Acquirer certification that the Merchant is registered to offer Dynamic Currency Conversion.


1-11515 November 2011

Dispute G

roup 4—

Processing Error



Dispute Group 4 Reason Code 76 Condition 5Effective for Chargebacks processed on or after 16 April 2011, 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

Either that applies:

• Visa Resolve Online Questionnaire or Exhibit 2E-4 Issuer:

- Explanation of why the Credit Transaction was processed in error.

- Information to support the original Transaction and the Credit Transaction.

• If the Credit Transaction resulted from a Transaction where the Cardholder asserts fraud, a copy of the signed Cardholder letter.



None 1. Reversal or an Adjustment was processed.

Either that applies:1. REVERSAL

MMDDYY; or2. ADJUSTMENT

MMDDYY

None required




None required Both:

• Visa Resolve Online Questionnaire or Exhibit 2E-4 Acquirer; and

• Explanation of why a Credit Transaction was processed instead of a Reversal or an Adjustment.


15 November 20111-116


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77 Reason Code 77 — Non-Matching Account NumberTransaction 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 - 118

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

1 - 119


An incorrectly entered Account Number must be processed as an original Presentment. Acquirer may be responsible for any late Presentment.1



1-11715 November 2011

Dispute G

roup 4—

Processing Error


77 Reason Code 77 — Non-Matching Account Number

Dispute Group 4 Reason Code 77 Condition 1Merchant 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.

2. Chargeback is invalid for Chip-initiated Transactions.

NO SUCH ACCT NUMBER

None required






2. REVERSAL MMDDYY.

None required



None required


AUTH DATE MMDDYY CODE X...X (if applicable)

For all Transactions, both:1. Exhibit 2E-4 Acquirer or


2. Legible Transaction Receipt to prove that the Account Number was processed correctly.

For Chip-initiated Transactions:Evidence that the Transaction was Chip-initiated and offline authorized (if applicable)


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77 Reason Code 77 — Non-Matching Account Number

Dispute Group 4 Reason Code 77 Condition 2An Originating Member processed an Original Credit for an Account Number not matching any on the Issuer’s master file.



None ACCOUNT CLOSEDACCOUNT NOT ON FILE

None required




REVERSAL MMDDYY None required



3. Originating Member can remedy the Chargeback.



1-11915 November 2011

Dispute G

roup 4—

Processing Error


80 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.


1 Transaction Amount is incorrect or addition or transposition error occurred. 1 - 121

2 Merchant altered the Transaction Amount after the Transaction was completed without the consent of the Cardholder.

1 - 123

3 Account Number processed through the Visa System does not match the Account Number on the Transaction Receipt.

1 - 125


For condition 1 only, Visa Europe recommends that the Issuer provide documentation to demonstrate that the Transaction Amount is incorrect.


15 November 20111-120


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80 Reason Code 80 — Incorrect Transaction Amount or Account Number

Dispute Group 4 Reason Code 80 Condition 1Transaction 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.

6. Chargeback is invalid for Chip-initiated Transactions containing a valid Cryptogram.

7. Chargeback is invalid for ATM Cash Disbursements.

Either that applies:1. TRAN AMT XXXX NOT

XXXX2. ERROR IN AMOUNT

None required


1-12115 November 2011

Dispute G

roup 4—

Processing Error



Dispute Group 4 Reason Code 80 Condition 1Transaction Amount is incorrect or addition or transposition error occurred.







X...X (23 or 24 digits); or 2. REVERSAL MMDDYY.

None required




None required Both:1. Exhibit 2E-4 Acquirer or


2. Transaction Receipt or other record to prove that Transaction Amount was correct.


15 November 20111-122


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Dispute Group 4 Reason Code 80 Condition 2Merchant altered the Transaction Amount after the Transaction was completed without the consent of the Cardholder.



1. Chargeback amount is limited to the difference in the amounts.

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. Chargeback is invalid for a No-Show or Advance Deposit Transaction completed in a Card-Absent Environment.

5. Effective for Transactions completed up to and including 14 April 2010, Chargeback is invalid for Chip-initiated Transactions containing a valid Cryptogram (for qualifying Transactions and effective dates, refer to Additional Information).

6. Effective for Transactions completed on or after 15 April 2010, Chargeback is invalid for EMV PIN Transactions containing a valid Cryptogram.


ALTERED FROM XXXX AMT TO XXXX AMT

Both:1. Exhibit 2E-4 Issuer or the


2. Copy of the Cardholder’s Transaction Receipt showing different Transaction Amounts.


1-12315 November 2011

Dispute G

roup 4—

Processing Error



Dispute Group 4 Reason Code 80 Condition 2Merchant altered the Transaction Amount after the Transaction was completed without the consent of the Cardholder.








2. REVERSAL MMDDYY.

None required






2. Documents to prove one of the following:a) Transaction Receipt was

not altered; b) Cardholder agreed to

the altered amount; orc) Merchant is permitted

or required to alter the Transaction Amount.


15 November 20111-124


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Dispute Group 4 Reason Code 80 Condition 3Account Number processed through the Visa System does not match the Account Number on the Transaction Receipt.



1. Chargeback is invalid for Chip-initiated Transactions containing a valid Cryptogram.


INCORRECT ACCT NUMBER

None required




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.




2. REVERSAL MMDDYY.

None required



None required




2. Transaction Receipt or other record to prove that the Account Number is correct.


1-12515 November 2011

Dispute G

roup 4—

Processing Error


82 Reason Code 82 — Duplicate ProcessingA single Transaction was processed more than once.


1 One Acquirer or Originating Member processed the Transaction more than once. 1 - 127

2 Two Acquirers or Originating Members processed the same Transaction. 1 - 129


1. The Transaction Record must be in English with an explanation or key to the data fields in the Transaction Record.

2. For condition 1 only, for a Representment, if two separate signed or imprinted Transaction Receipts are not provided, evidence should be proof that the Transactions were not for the same service or merchandise.

3. Transaction Amounts or dates may be different.


15 November 20111-126


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82 Reason Code 82 — Duplicate Processing

Dispute Group 4 Reason Code 82 Condition 1One Acquirer or Originating Member processed the Transaction more than once.



1. Effective for Transactions with a Transaction Date up to and including 14 October 2011, Chargeback is invalid for a Magnetic-Stripe Telephone Transaction for an individual call charge if the following information is not identical to a previously submitted Transaction:a) Date of call;b) Number of minutes of the call;c) Telephone number called; andd) Transaction Amount in the

Transaction Currency.2. Effective for Transactions with a

Transaction Date on or after 15 October 2011, 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; andd) Transaction Amount in the

Transaction Currency.3. Chargeback is invalid for Chip-

initiated Transactions with differing application Transaction Counter values.

1. Effective for Chargebacks processed up to and including 16 April 2010, FIRST TRAN DATE MMDDYY, REF X...X (23- or 24-digit Acquirer Reference Number or applicable Tracing Data)

2. Effective for Chargebacks processed on or after 17 April 2010, TRAN DATE MMDDYY, REF X...X (23- or 24-digit Acquirer Reference Number, or applicable Tracing Data, for the valid Transaction)

None required


1-12715 November 2011

Dispute G

roup 4—

Processing Error



Dispute Group 4 Reason Code 82 Condition 1One Acquirer or Originating Member processed the Transaction more than once.







X...X (23 or 24 digits)2. REVERSAL MMDDYY

None required




For an ATM Transaction processed more than once, either that applies:1. CASH DISPNS SEQ

#XXXXX AND SEQ #XXXXX; or

2. ACQR CERTS ATM IN BALANCE ON MMDDYY.

For an ATM Transaction, none required.For all other Transactions, both:1. Exhibit 2E-4 Acquirer or the


2. Either:a) Submit two separate signed

or imprinted Transaction Receipts or other record to prove separate Transactions were processed; or

b) For a Telephone Service Transaction at an Unattended Acceptance Terminal, documentation to demonstrate that the time of the call is different for each Transaction.


15 November 20111-128


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Dispute Group 4 Reason Code 82 Condition 2Two 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. Effective for Transactions with a Transaction Date up to and including 14 October 2011, Chargeback is invalid for a Magnetic-Stripe Telephone Transaction for an individual call charge if the following information is not identical to a previously submitted Transaction:a) Date of call;b) Number of minutes of the call;c) Telephone number called; andd) Transaction Amount in the

Transaction Currency.3. Effective for Transactions with a

Transaction Date on or after 15 October 2011, 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; andd) Transaction Amount in the

Transaction Currency.

1. Effective for Chargebacks processed up to and including 16 April 2010, FIRST TRAN DATE MMDDYY, REF X...X (23- or 24-digit Acquirer Reference Number or applicable Tracing Data)

2. Effective for Chargebacks processed on or after 17 April 2010, TRAN DATE MMDDYY, REF X...X (23- or 24-digit Acquirer Reference Number, or applicable Tracing Data, for the valid transaction)

None required


1-12915 November 2011

Dispute G

roup 4—

Processing Error



Dispute Group 4 Reason Code 82 Condition 2Two Acquirers or Originating Members processed the same Transaction.




Member Message Text

Documentation




2. REVERSAL MMDDYY.

None required


Either that applies:1. X...X (Specify the

reason); or 2. DIFF APPL TRXN

COUNTERS.

None required


For an ATM Transaction, either that applies:1. CASH DISPNS

SEQ #XXXXX and SEQ #XXXXX; or


For an ATM Transaction, none required.For all other Transactions, both:1. Exhibit 2E-4 Acquirer or the Electronic

Documentation Transfer Method questionnaire; and

2. Submit two separate signed or imprinted Transaction Receipts or other record to prove separate Transactions were processed.


15 November 20111-130


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86 Reason Code 86 — Paid by Other MeansMerchandise or service was received but paid by other means.


1 Cardholder paid for the same merchandise or service by other means. 1 - 132


1-13115 November 2011

Dispute G

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Processing Error


86 Reason Code 86 — Paid by Other Means

Dispute Group 4 Reason Code 86 Condition 1Cardholder paid for the same merchandise or service by other means.


Documentation

1. For services paid by other means:a) Cardholder must attempt to resolve with

Merchant; andb) Effective for Chargebacks up to and including

16 October 2009, Chargeback is invalid for a No-Show or Advance Deposit Transaction.

2. Effective for Chargebacks up to and including 16 October 2009, for an Electronic Commerce Transaction where merchandise paid by other means, prior to exercising the Chargeback right, Cardholder must attempt to resolve with Merchant, unless prohibited by local law.

3. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, prior to exercising the Chargeback right, Cardholder must attempt to resolve with Merchant, unless prohibited by local law.

4. 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.

5. 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.

6. 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.

None required All of the following:1. Exhibit 2E-4 Issuer or the

Electronic Documentation Transfer Method questionnaire;

2. Evidence that Merchant received payment by other means except for Chargeback Rights and Limitations 6;

3. For Chargeback Rights and Limitations 6, 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. Effective for Chargebacks up to and including 16 October 2009, Issuer certification that Cardholder attempted to resolve with Merchant for either:a) Services paid by other

means; or b) Electronic Commerce

Transaction where merchandise paid by other means.

5. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, Cardholder attempted to resolve with Merchant.


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86 Reason Code 86 — Paid by Other Means

Dispute Group 4 Reason Code 86 Condition 1Cardholder paid for the same merchandise or service by other means.


Representment Conditions Member Message Text

Documentation




2. REVERSAL MMDDYY.

None required



None required




2. Documents (other than Transaction Receipt) to prove that Merchant did not receive payment by other means for the same merchandise or service.


1-13315 November 2011

Dispute G

roup 4—

Processing Error


96 Reason Code 96 — Transaction Exceeds Limited Amount Effective for Transactions with a Transaction Date up to and including 14 October 2011, an Unattended Acceptance Terminal that performs Cardholder-Activated Transaction Type A or Cardholder-Activated Transaction Type B exceeded the allowed amount.


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

1 - 135


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96 Reason Code 96 — Transaction Exceeds Limited Amount

Dispute Group 4 Reason Code 96 Condition 1Effective for Transactions with a Transaction Date up to and including 14 October 2011, a Cardholder-Activated Transaction Type A or Cardholder-Activated Transaction Type B exceeds the permitted amount.


Documentation

1. For Visa Europe Transactions, Chargeback is valid for the entire Transaction Amount.

2. Chargeback is invalid for an In-Transit Service Transaction.

3. Effective from 1 April 2009, for International Transactions either:a) For Cardholder-Activated Transaction

Type A, Chargeback is valid for the entire Transaction Amount; or

b) For Cardholder-Activated Transaction Type B, the Chargeback is only valid for the amount exceeding US $100.

4. Effective from 1 October 2009, for Visa Europe Transactions either:a) For Cardholder-Activated Transaction

Type A, Chargeback is valid for the entire Transaction Amount; or

b) For Cardholder-Activated Transaction Type B, the Chargeback is only valid for the Transaction Amount that exceeds US $100.

None required None required


1-13515 November 2011

Dispute G

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Processing Error


96 Reason Code 96 — Transaction Exceeds Limited Amount

Dispute Group 4 Reason Code 96 Condition 1Effective for Transactions with a Transaction Date up to and including 14 October 2011, a Cardholder-Activated Transaction Type A or Cardholder-Activated Transaction Type B exceeds the permitted amount.







2. REVERSAL MMDDYY

None required






2. Documents to prove either:a) Transaction was not a

Cardholder-Activated Transaction Type A or Cardholder-Activated Transaction Type B; or

b) Transaction did not exceed limited amount.


15 November 20111-136

Dispute Group 5—Cancelled/Returned

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1.10 DISPUTE GROUP 5—CANCELLED/RETURNEDA 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 Transaction53 — Not as Described or Defective Merchandise85 — Credit Not Processed

Reason Code 41 — Cancelled Recurring TransactionThe Merchant continued to charge a Cardholder for a Recurring Transaction despite notification of cancellation.

Reason Code 53 — Not as Described or Defective MerchandiseThe 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 ProcessedA 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 1-27 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



For other rights and limitations, refer to individual reason codes.

Refer to individual reason codes.

Additional Information 1. At its option, a Member may provide any additional documentation or information to support the Chargeback or Representment.

2. If documentation is sent to the opposing Member, Exhibit 2E-5 Issuer, Exhibit 2E-5 Acquirer, or the Electronic Documentation Transfer Method questionnaire as applicable must also be provided.



1-13715 November 2011

Dispute G

roup 5—C

ancelled/Returned


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 - 139

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

1 - 141

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

1 - 142

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 Date2. Cardholder previously cancelled Transaction with Merchant3. Cardholder is deceased

1 - 143


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 6 a variance exists for Domestic Transactions for Greece.2

1. Applies to condition 2 only.2. Applies to condition 1 only.


15 November 20111-138


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Dispute Group 5 Reason Code 41 Condition 1Cardholder withdrew permission to charge the account for a Recurring Transaction.



Documentation

1. Effective for Chargebacks up to and including 16 October 2009, Chargeback is invalid if Cardholder did not withdraw permission to charge the account 15 calendar days prior to the Processing Date of the disputed Transaction.

2. Chargeback amount is limited to the unused portion of the service or merchandise.

3. Effective for Chargebacks up to and including 16 October 2009, prior to exercising the Chargeback for an Electronic Commerce Transaction, the Issuer must determine that the Cardholder attempted to resolve the dispute with the Merchant (not applicable if prohibited by local law).

4. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, the Issuer must determine that the Cardholder attempted to resolve the dispute with the Merchant (not applicable if prohibited by local law).


6. Chargeback is invalid for Installment Transactions.

CH CANCELLED MMDDYY

None required


1-13915 November 2011

Dispute G

roup 5—C

ancelled/Returned



Dispute Group 5 Reason Code 41 Condition 1Cardholder withdrew permission to charge the account for a Recurring Transaction.







2. REVERSAL MMDDYY.

None required



None required


None required Exhibit 2E-5 Acquirer or the Electronic Documentation Transfer Method questionnaire, and documentation to prove that service was not cancelled


15 November 20111-140


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Dispute Group 5 Reason Code 41 Condition 2Acquirer or Merchant received notification that the Cardholder’s account was closed before the Transaction was processed.



1. Chargeback amount is limited to the unused portion of the service or merchandise.

2. Effective for Chargebacks up to and including 16 October 2009, prior to exercising the Chargeback for an Electronic Commerce Transaction, the Issuer must determine that the Cardholder attempted to resolve the dispute with the Merchant (not applicable if prohibited by local law).



NOTIFICATION ACCT CLOSED MMDDYY

None required






2. REVERSAL MMDDYY.

None required






2. Documents to prove Acquirer or Merchant not notified that account was closed.


1-14115 November 2011

Dispute G

roup 5—C

ancelled/Returned



Dispute Group 5 Reason Code 41 Condition 3An initial membership Transaction was previously charged back and the Cardholder did not expressly renew the membership.


Cancellation of a membership Transaction purchased via the mail, telephone, or electronic commerce may occur before or during the membership period.

Either that applies:1. PREVIOUS CB


2. CARDHOLDER NOT RENEWED

None required






2. REVERSAL MMDDYY

None required






2. Documents to prove Transaction was not previously charged back.


15 November 20111-142


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Dispute Group 5 Reason Code 41 Condition 4Recurring 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; or3. Cardholder is deceased.



Documentation

1. Chargeback amount is limited to the unused portion of the service or merchandise

2. For Condition 4.2 and Condition 4.3 both of the following apply:

a. Stop Instruction is listed on the Stop Service on or before the Processing Date of the Chargeback

b. The Stop Instruction must remain on the Stop Service for a minimum period of 30 calendar days from the Processing Date of the Chargeback

3. Chargeback is invalid if Stop Instruction was not listed on the Stop Service prior to the Transaction Date and the Issuer or Cardholder has withdrawn/closed the account facilities

4. For Transactions representing payment of a Membership fee, cancellation may occur before the start of, or during the Membership period, subject to the terms and conditions applicable to the Membership - the Chargeback amount is limited to the unused portion of the services

5. Chargeback is invalid for ATM and Plus Transactions

Either that applies:1. CARDHOLDER

DECEASED; 2. STOP DATE3. CH CANC

MMDDYY If applicable; or

4. CH ATTEMPTED TO RESOLVE.

Exhibit 2E-5 Issuer or the Electronic Documentation Transfer Method questionnaire if applicable.


1-14315 November 2011

Dispute G

roup 5—C

ancelled/Returned



Dispute Group 5 Reason Code 41 Condition 4Recurring 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; or3. Cardholder is deceased.



Representment Condition





2. REVERSAL MMDDYY.

None required



None required




2. Documents to prove Cardholder did not cancel or expressly renewed membership, if applicable.


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53 Reason Code 53 — Not as Described or Defective Merchandise

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


1 Cardholder returned merchandise or cancelled services that did not match what was described on the Transaction Receipt or other documentation presented at the time of purchase.

1 - 146

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

1 - 148


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. Merchant is responsible for goods held within its own country’s customs agency.4. The return of merchandise condition is met if the Merchant refuses to provide a return merchandise

authorization or return address and the Issuer can provide evidence of this refusal.5. The Issuer may be required to provide proof of shipping or returned merchandise.6. A neutral third party opinion is not mandatory, but the Member may obtain one to support its claim.


1-14515 November 2011

Dispute G

roup 5—C

ancelled/Returned



Dispute Group 5 Reason Code 53 Condition 1Cardholder 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.



Documentation

1. Chargeback amount is limited to the unused portion of the service or returned merchandise.

2. Effective up to and including 15 October 2010, Issuer must wait 30 calendar days from the date the merchandise was returned or the service was cancelled, prior to

exercising the Chargeback.1

3. Effective on or after 16 October 2010, Issuer must wait 15 calendar days from the date the merchandise was returned or the service was cancelled, prior to exercising the

Chargeback.1

4. 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.

5. Effective for Chargebacks up to and including 16 October 2009, for a T&E Transaction, Chargeback applies only to merchandise.

6. Chargeback amount must not exceed original Transaction Amount.

7. Effective for Chargebacks up to and including 16 October 2009, prior to exercising the Chargeback for an Electronic Commerce Transaction, the Issuer must determine and certify that the Cardholder attempted to resolve the dispute with the Merchant (not applicable if prohibited by local law).


9. An Issuer must not initiate a Chargeback for disputes regarding Value-Added Tax (VAT).

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

11. Chargeback is valid if returned merchandise is refused by the Merchant and Issuer can provide evidence of refusal.

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. Exhibit 2E-5 Issuer or the Electronic Documentation Transfer Method questionnaire, stating all of the following, as applicable:a) Date merchandise was

returned or service was cancelled;

b) Name of shipping company;

c) Invoice/tracking number (if available);

d) Date Merchant received the merchandise;

e) Effective for Chargebacks up to and including 16 October 2009, Issuer certification that Cardholder attempted to resolve the dispute with the Merchant (for Electronic Commerce Transactions);

f) Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, Cardholder attempted to resolve the dispute with the Merchant;

g) Explanation of what was not as described; and

h) Date Cardholder received merchandise or services, if Chargeback time frame is calculated from date of receipt.

2. Proof that Merchant refused return of merchandise, refused to provide a return merchandise authorization, or informed the Cardholder not to return the merchandise, if applicable.


15 November 20111-146


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Dispute Group 5 Reason Code 53 Condition 1Cardholder 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.








2. REVERSAL MMDDYY.

None required



None required


RETURNED MDSE NOT RECEIVED (if applicable)

Both:1. Exhibit 2E-5 Acquirer or the


2. Documents to prove that the service or merchandise was correctly described.


1-14715 November 2011

Dispute G

roup 5—C

ancelled/Returned



Dispute Group 5 Reason Code 53 Condition 2Merchandise shipped to Cardholder was received damaged or defective and Cardholder returned the merchandise to the Merchant.Merchandise received by Cardholder was damaged or defective and Cardholder returned the merchandise to the Merchant.



Documentation

1. Chargeback amount is limited to the value of the returned merchandise.

2. Effective up to and including 15 October 2010, Issuer must wait 30 calendar days from the date the merchandise was returned prior to exercising the

Chargeback.1

3. Effective on or after 16 October 2010, Issuer must wait 15 calendar days from the date the merchandise was returned prior

to exercising the Chargeback.1

4. For merchandise provided after the Transaction Processing Date, Chargeback time frame is calculated from the date the Cardholder received the merchandise.

5. Effective for Chargebacks up to and including 16 October 2009, for a T&E Transaction, Chargeback applies only to merchandise.

6. Chargeback amount must not exceed original Transaction Amount.

7. Effective for Chargebacks up to and including 16 October 2009, prior to exercising the Chargeback for an Electronic Commerce Transaction, the Issuer must determine and certify that the Cardholder attempted to resolve the dispute with the Merchant. (Not applicable if prohibited by local law.)

8. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, the Issuer must determine that the Cardholder attempted to resolve the dispute with the Merchant. (Not applicable if prohibited by local law.).

9. An Issuer must not initiate a Chargeback for disputes regarding Value-Added Tax (VAT).

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

11. Chargeback is valid if returned merchandise is refused by the Merchant and Issuer can provide evidence of refusal.


DEFECTIVE MERCHANDISE

1. Exhibit 2E-5 Issuer or the Electronic Documentation Transfer Method questionnaire, stating all of the following, as applicable:a) Date merchandise was

returned or service was cancelled;

b) Name of shipping company;c) Invoice/tracking number (if

available);d) Date Merchant received the

merchandise;e) Effective for Chargebacks up

to and including 16 October 2009, Issuer certification that Cardholder attempted to resolve the dispute with the Merchant (for Electronic Commerce Transactions);

f) Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, Cardholder attempted to resolve the dispute with the Merchant;

g) Explanation of what was defective; and

h) Date Cardholder received merchandise or services, if Chargeback time frame is calculated from date of receipt.



15 November 20111-148


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Dispute Group 5 Reason Code 53 Condition 2Merchandise shipped to Cardholder was received damaged or defective and Cardholder returned the merchandise to the Merchant.Merchandise received by Cardholder was damaged or defective and Cardholder returned the merchandise to the Merchant.






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

2. REVERSAL MMDDYY

None required



None required





2. Documents to prove that the merchandise was not defective.


1-14915 November 2011

Dispute G

roup 5—C

ancelled/Returned


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 - 152

2 All of the following:a) Cardholder returned merchandise, cancelled merchandise, or cancelled

services;b) Merchant did not issue or process a Credit Transaction Receipt; andc) 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 - 153

3 All of the following:a) Cardholder cancelled the Timeshare Transaction;b) Effective for Chargebacks up to and including October 2009, cancellation

was within 10 calendar days from the contract date, or effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, 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 - 155

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) Effective for Chargebacks initiated on or after a Processing Date of 17

October 2009, Merchant or third-party booking agent failed to accept cancellation or provide a cancellation code;

e) Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, 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) Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, a hotel Merchant or third-party booking agent billed for a No-Show Transaction for more than one night’s stay and applicable taxes when reservation was cancelled or unclaimed.

1 - 157

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; orc) Merchant did not inform Cardholder of the Hotel or Cruise Line cancellation

policy.

1 - 159

6 An Original Credit was not accepted because either:a) Recipient refused the Original Credit; orb) Original Credit is prohibited by local law.

1 - 161


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1. For condition 1 only: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; oriii. Date the Issuer received the Cardholder letter, if both the Credit Transaction Receiptand Cardholder

letter are undated.b) Refund acknowledgements and credit letters do not qualify as Credit Transaction Receipts unless they

contain all required data.c) A lost ticket application or refund application is not considered a Credit Transaction Receipt.d) An Issuer must not initiate a Chargeback regarding Value-Added Tax (VAT) unless the Cardholder

provides a Credit Transaction Receipt.2. For condition 2 only:

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.c) Merchant is responsible for goods held within its own country’s customs agency.

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:a) For pre-Compliance cases filed up to and including 16 October 2009, see

Chapter 5 of the Visa Europe Operating Regulations, Volume I—General Rules.b) 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.


1-15115 November 2011

Dispute G

roup 5—C

ancelled/Returned



Dispute Group 5 Reason Code 85 Condition 1Cardholder received a Credit or voided Transaction Receipt that was not processed.


Documentation

1. Effective up to and including 15 October 2010, Issuer must wait 30 calendar days from date on the Credit

Transaction Receipt before initiating a Chargeback. 1

2. Effective on or after 16 October 2010, Issuer must wait 15 calendar days from date on the Credit Transaction

Receipt before initiating a Chargeback. 1

3. Effective up to and including 15 October 2010, if the Credit Transaction Receipt is undated, the 30 calendar

day waiting period does not apply. 1

4. Effective on or after 16 October 2010, if the Credit Transaction Receipt is undated, the 15 calendar day

waiting period does not apply. 1




8. Chargeback is valid if a “void” or “cancelled” notation appears on the Transaction Receipt.

9. Chargeback is invalid for ATM Cash Disbursements.10.Chargeback is invalid for disputes regarding the quality

of the service rendered or the quality of merchandise.

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.

CREDIT NOT PROCESSED

Both:1. Effective for

Chargebacks up to and including 16 October 2009, Exhibit 2E-5 Issuer or the Electronic Documentation Transfer Method questionnaire, certifying date Cardholder attempted to resolve the dispute with the Merchant (for Electronic Commerce Transactions).

2. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, Exhibit 2E-5 Issuer or the Electronic Documentation Transfer Method questionnaire, stating Cardholder attempted to resolve the dispute with the Merchant.

3. Copy of Credit Transaction Receipt or voided Transaction Receipt.




Either that applies:1. CRED MMDDYY ARN X...X

(23 or 24 digits); or 2. REVERSAL MMDDYY.

None required






15 November 20111-152


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1. Cardholder returned merchandise, cancelled merchandise, or cancelled services2. Merchant did not issue or process a Credit Transaction Receipt3. 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



Documentation

1. Effective up to and including 15 October 2010, Issuer must wait 30 calendar days from the date the merchandise was returned prior to

exercising the Chargeback.1

2. Effective on or after 16 October 2010, Issuer must wait 15 calendar days from the date the merchandise was returned prior to exercising

the Chargeback. 1

3. Effective for Chargebacks up to and including 16 October 2009, Chargeback is invalid for T&E Transactions.

4. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, Chargeback minimum for a T&E Transaction is US$25, or equivalent.

5. For a dispute involving returned merchandise, Chargeback amount is limited to the unused portion of the returned merchandise.

6. 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.



9. Chargeback is valid if returned merchandise is refused by the Merchant.

10.Chargeback is invalid for ATM Cash Disbursements.

11. Chargeback is invalid for disputes regarding the quality of the service rendered or the quality of merchandise.


Either that applies:1. MERCHANDISE

RETURNED MMDDYY;

2. MERCHANDISE CANCELLED MMDDYY; or

3. SERVICE CANCELLED MMDDYY.

1. Exhibit 2E-5 Issuer or the Electronic Documentation Transfer Method questionnaire, stating all of the following:a) Date merchandise was

cancelled or returned or service cancelled;

b) Name of shipping company, if applicable;

c) Invoice/tracking number, if available;

d) Date Merchant received merchandise, if available;

e) Effective for Chargebacks up to and including 16 October 2009,proper disclosure of return/cancellation policy not provided; and

f) Effective for Chargebacks up to and including 16 October 2009, Issuer certification that Cardholder attempted to resolve with Merchant for an Electronic Commerce Transaction; or

g) Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, Cardholder attempted to resolve with Merchant.



1-15315 November 2011

Dispute G

roup 5—C

ancelled/Returned



Dispute Group 5 Reason Code 85 Condition 2 All of the following:

1. Cardholder returned merchandise, cancelled merchandise, or cancelled services; 2. Merchant did not issue or process a Credit Transaction Receipt; 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.








None required







2. Transaction Receipt or other records to prove Merchant properly disclosed a limited return or cancellation policy at the time of the Transaction, as specified in the Visa Europe Operating Regulations, Volume I—General Rules, Section 5.1.A.2.b, Section 5.2.B.8, or Section 5.4.M.3, as applicable.


15 November 20111-154


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1. Cardholder cancelled the Timeshare Transaction;2. Effective for Chargebacks up to and including 16 October 2009, cancellation was within 10

calendar days from the contract date; or3. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009,

cancellation was within 14 calendar days from the contract date or receipt date of the contract or related documents; and

4. Merchant did not issue a Credit Transaction Receipt.





4. Chargeback is valid for a Timeshare Transaction that is not processed with the correct Merchant Category Code.



Either that applies:1. Effective for Chargebacks up

to and including 16 October 2009, TIMESHARE TRANSACTION CANCELLED MMDDYY

2. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, TIMESHARE CANC MMDDYY CONTRACT RECEIPT MMDDYY (contract receipt date if applicable)

3. Effective for Chargebacks up to and including 16 October 2009, CH ATTEMPT TO RESOLVE (for Electronic Commerce Transactions)

4. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, CH ATTEMPT TO RESOLVE

None required


1-15515 November 2011

Dispute G

roup 5—C

ancelled/Returned




1. Cardholder cancelled the Timeshare Transaction;2. Effective for Chargebacks up to and including 16 October 2009, cancellation was within 10

calendar days from the contract date; or3. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009,

cancellation was within 14 calendar days from the contract date or receipt date of the contract or related documents; and

4. Merchant did not issue a Credit Transaction Receipt.






2. REVERSAL MMDDYY.

None required



None required


None required 1. Exhibit 2E-5 Acquirer or the Electronic Documentation Transfer Method questionnaire;

2. Effective for Chargebacks up to and including 16 October 2009, documents to prove that Transaction was not cancelled within 10 calendar days of the contract date;

3. Effective for Chargebacks on or after 17 October 2009, documents to prove that Transaction was not cancelled within 14 calendar days of the contract date or receipt date of the contract or related documents.


15 November 20111-156


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Dispute Group 5 Reason Code 85 Condition 4Any of the following:

1. Cardholder properly cancelled the guaranteed reservation;2. Cardholder was billed a No-Show Transaction and properly cancelled;3. Cardholder provides cancellation code provided by a Hotel or third party booking agent1;4. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009,

Merchant or third-party booking agent failed to accept cancellation or provide a cancellation code;

5. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, Cardholder attempted to cancel before 18h00. Merchant outlet time and the reservation was made within 72 hours of the scheduled arrival date but was billed a No-Show Transaction; or

6. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, a Hotel or third-party booking agent billed for a No-Show Transaction for more than one night’s stay and applicable taxes when reservation was cancelled or unclaimed.

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







Either that applies:1. CANC MMDDYY CODE

XXXX2. Effective for

Chargebacks up to and including 16 October 2009, CH ATTEMPT TO RESOLVE (for Electronic Commerce Transactions)


Exhibit 2E-5 Issuer or the Electronic Documentation Transfer Method questionnaire, stating any of the following:1. Cardholder properly cancelled

the guaranteed reservation and one of the following:a) Merchant billed a No-Show

Transaction; b) Effective for Chargebacks

initiated on or after a Processing Date of 17 October 2009, Merchant failed to accept cancellation or provide cancellation code; or

c) Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, Reservation was made within 72 hours of arrival date and cancelled prior to 18h00;

2. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, Hotel or third-party booking agent billed a No-Show Transaction for more than one night’s stay; or

3. Cancellation code, if available.


1-15715 November 2011

Dispute G

roup 5—C

ancelled/Returned



Dispute Group 5 Reason Code 85 Condition 4Any of the following:

1. Cardholder properly cancelled the guaranteed reservation;2. Cardholder was billed a No-Show Transaction and properly cancelled;3. Cardholder provides cancellation code provided by a Hotel or third party booking agent1;4. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009,

Merchant or third-party booking agent failed to accept cancellation or provide a cancellation code;

5. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, Cardholder attempted to cancel before 18h00. Merchant outlet time and the reservation was made within 72 hours of the scheduled arrival date but was billed a No-Show Transaction; or

6. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, a Hotel or third-party booking agent billed for a No-Show Transaction for more than one night’s stay and applicable taxes when reservation was cancelled or unclaimed.


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






None required




None required Exhibit 2E-5 Acquirer or the Electronic Documentation Transfer Method questionnaire, with explanation of why the cancellation code was invalid, if applicable.


15 November 20111-158


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Dispute Group 5 Reason Code 85 Condition 5For an Advance Deposit Transaction, one of the following:

1. Cardholder properly cancelled the Advance Deposit Transaction but Merchant did not issue a Credit Transaction Receipt;

2. Merchant provided alternate accommodation but did not issue a Credit Transaction Receipt; and

3. Merchant did not inform Cardholder of the Hotel or Cruise Line cancellation policy.


1. For Chargeback condition 1, time limit is 120 calendar days from Cardholder cancellation date.

2. For Chargeback condition 2 and condition 3, time limit is 120 calendar days from Cardholder’s scheduled date of arrival.






Any that applies:1. CANC MMDDYY CODE

XXXX2. ALT ACCOMM PROVIDED

NO CREDIT ISSUED3. CH NOT ADVISED OF

CANC POLICY4. Effective for Chargebacks up

to and including 16 October 2009, CH ATTEMPT TO RESOLVE (for Electronic Commerce Transactions)


None required


1-15915 November 2011

Dispute G

roup 5—C

ancelled/Returned



Dispute Group 5 Reason Code 85 Condition 5For an Advance Deposit Transaction, one of the following:

1. Cardholder properly cancelled the Advance Deposit Transaction but Merchant did not issue a Credit Transaction Receipt

2. Merchant provided alternate accommodation but did not issue a Credit Transaction Receipt3. Merchant did not inform Cardholder of the Hotel or Cruise Line cancellation policy.








None required






2. Documents to prove that Cardholder was informed about cancellation policy (if applicable)


15 November 20111-160


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Dispute Group 5 Reason Code 85 Condition 6An Original Credit was not accepted because either:

1. Recipient refused the Original Credit; or 2. The Original Credit was prohibited by local law.


None RECIPIENT REFUSES CREDITNOT ALLOWED BY LOCAL LAW

None required





REVERSAL MMDDYY None required



3. Originating Member can remedy the Chargeback.



1-16115 November 2011


Dispute Group 6—Non-Receipt Goods/Services

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1.11 DISPUTE GROUP 6—NON-RECEIPT GOODS/SERVICESA Cardholder did not receive ordered merchandise or services, or cash from an ATM, or Load Transaction value from a Load Device.

The following reason codes are applicable:30 —Services Not Provided or Merchandise Not Received; and90 — Non-Receipt of Cash or Load Transaction Value at ATM or Load Device.

Reason Code 30 — Services Not Provided or Merchandise Not ReceivedMerchant 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 DeviceCardholder did not receive, or received only a portion of cash or Load Transaction value.

Table 1-28 General Requirements For Dispute Group 6—Non-Receipt Goods/Services


Time Limit 120 calendar days from the Transaction Processing Date.



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





3. If the Member Message Text is all that is required to support a Chargeback or Representment, use of Exhibit 2E-6 Issuer, Exhibit 2E-6 Acquirer or the Electronic Documentation Transfer Method questionnaire is optional.


1-16315 November 2011

Dispute G

roup 6—N

on-Receipt Goods/Services


30 Reason Code 30 — Services Not Provided or Merchandise Not ReceivedMerchant 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.


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

1 - 165

2 Cardholder or authorised person did not receive ordered merchandise. 1 - 167


1. For condition 1 only:a) Effective for Chargebacks up to and including 16 October 2009, if the services were to be provided after

the Processing Date of the Transaction, the 120 calendar-day time frame is calculated from the date that the Cardholder expected to receive the service.

b) Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, if the services were to be provided after the Processing Date of the Transaction, the 120 calendar-day time frame is calculated from the date that the Cardholder expected to receive the service, or when the Cardholder was first made aware that the services would not be provided. This time-frame must not exceed 540 calendar days from the Processing Date of the Transaction.

2. For condition 2 only:a) Effective for Chargebacks initiated on or after a Processing Date of 15 May 2010, if the merchandise

were to be provided after the Transaction Processing Date, the 120 calendar day time frame is calculated from the last expected date that the Cardholder expected to receive the merchandise or when the Cardholder was first made aware that the merchandise would not be provided. This time-frame must not exceed 540 calendar days from the Processing Date of the Transaction.

b) Proof of shipping does not constitute proof of receipt.c) If the merchandise was to be provided after the Processing Date of the Transaction, the 120 calendar-day

time frame is calculated from the date that the Cardholder expected to receive the merchandise. d) Merchant is responsible for goods held within its own country’s customs agency.


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

Dispute Group 6 Reason Code 30 Condition 1Cardholder or authorized person participated in the Transaction, and did not receive purchased services (including Visa Prepaid Load Services), because the Merchant was unwilling or unable to provide the services.



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. Effective up to and including 15 October 2010, if date services were expected is not specified, Issuer must wait until 30 calendar days from the Transaction Date before exercising the

Chargeback.1

3. Effective on or after 16 October 2010, if date services were expected is not specified, Issuer must wait until 15 calendar days from the Transaction

Date before exercising the Chargeback.1

4. Effective for Chargebacks up to and including 14 May 2010, Chargeback is invalid for a No-Show Transaction or Advance Deposit Transaction.

5. Effective for Chargebacks initiated on or after 15 May 2010, Chargeback is invalid for a No-Show Transaction.

6. Chargeback amount is limited to the portion of services not received.

7. Chargeback is invalid if the Cardholder cancelled service prior to the expected service being rendered.

8. Chargeback is invalid for disputes regarding the quality of the service rendered.

9. Chargeback is invalid when the Cardholder states that the Transaction was fraudulent.

10.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.



SERVICES NOT RENDERED BY MMDDYY

Exhibit 2E-6 Issuer or the Electronic Documentation Transfer Method questionnaire, stating both:1. Services not rendered by

expected date; and2. Effective for Chargebacks

up to and including 16 October 2009, explanation of Cardholder attempt to resolve with Merchant.

3. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, Cardholder attempt to resolve with Merchant.


1-16515 November 2011

Dispute G

roup 6—N




Dispute Group 6 Reason Code 30 Condition 1Cardholder or authorized person did not receive purchased services (including Visa Prepaid Load Services), because the Merchant was unwilling or unable to provide the services.








None required






2. Documentation to prove that Cardholder received services.


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Dispute Group 6 Reason Code 30 Condition 2Cardholder or authorised person participated in the transaction, and did not receive ordered merchandise.


1. Effective for Chargebacks up to and including 16 October 2009, for an Electronic Commerce Transaction, prior to exercising the Chargeback, Issuer must verify that Cardholder attempted to resolve the dispute with the Merchant or the Merchant’s liquidator, if applicable (not applicable if prohibited by local law).

2. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, Cardholder must attempt to resolve the dispute with the Merchant or the Merchant’s liquidator, if applicable (not applicable if prohibited by local law).

3. Chargeback amount is limited to the portion of the merchandise or tickets not received.

4. Chargeback is invalid for the initial payment (deposit) of a Delayed Delivery Transaction when the remaining balance was not paid and the Merchant is willing and able to provide the merchandise.

5. Effective up to and including 15 October 2010, if a delivery date for the goods is not specified, Issuer must wait until 30 calendar days from the Transaction Date before exercising the Chargeback.

6. Effective on or after 16 October 2010, 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.

7. Chargeback is invalid if merchandise is being held by the customs agency of the Cardholder’s country.

8. Chargeback is invalid if the Cardholder cancelled merchandise prior to the expected delivery date.

9. Chargeback is invalid for disputes regarding the quality of merchandise.

10.Chargeback is invalid when the Cardholder states that the Transaction was fraudulent.

Effective for Chargebacks up to and including 16 October 2009 either that applies:1. MERCH NOT

RECEIVED; MMDDYY

2. TICKETS NOT RECEIVED; MMDDYY

3. MERCH NOT RECEIVED AGREED LOCATION; or

4. TICKETS NOT RECEIVED AGREED LOCATION.

Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, MERCH NOT RECEIVED MMDDYY

Exhibit 2E-6 Issuer or the Electronic Documentation Transfer Method questionnaire, stating any of the following, as applicable:1. Merchandise was not

received;2. Expected arrival date

of the merchandise; or 3. Merchandise not

received at agreed-upon location (Issuer must specify); or

4. Effective for Chargebacks up to and including 16 October 2009, for an Electronic Commerce Transaction, Issuer certification of Cardholder attempt to resolve with Merchant (unless prohibited by local law); or

5. Effective for Chargebacks initiated on or after a Processing Date of 17 October 2009, Cardholder attempted to resolve with Merchant; or

6. Effective on or after 16 October 2010, merchandise returned MMDDYY


1-16715 November 2011

Dispute G

roup 6—N




11. For disputes involving merchandise:a) Prior to exercising a Chargeback, if

merchandise was delivered after agreed upon delivery date, the Cardholder must attempt to return the merchandise; or

b) Effective up to and including 15 October 2010, if the merchandise was returned due to late delivery, the Issuer must wait at least 30 calendar days from the date the Cardholder returned or attempted to return the merchandise prior to exercising the

Chargeback1; orc) Effective on or after 16 October 2010, 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





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Dispute Group 6 Reason Code 30 Condition 2Cardholder or authorised person participated in the transaction, and did not receive ordered merchandise.








2. REVERSAL MMDDYY.

None required






2. Documentation to prove that merchandise or ticket was received by Cardholder or authorized person on agreed-upon date or at agreed-upon location


1-16915 November 2011

Dispute G

roup 6—N



90 Reason Code 90 — Non-Receipt of Cash or Load Transaction Value at ATM or Load DeviceCardholder 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 - 171


None


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90 Reason Code 90 — Non-Receipt of Cash or Load Transaction Value at ATM or Load Device

Dispute Group 6 Reason Code 90 Condition 1Cardholder participated in the Transaction, and did not receive cash or Load Transaction value, or received a partial amount.


1. Chargeback is limited to the amount not received.

2. Chargeback is invalid when Cardholder states that the Transaction was fraudulent or the Transaction was posted twice.

Either that applies:1. CASH/VALUE NOT RECEIVED; or 2. CASH/VALUE AMT $XXXX

RECD $XXXX.

None required





Either that applies:1. CRED MMDDYY ARN X...X

(23 or 24 digits); or 2. REVERSAL MMDDYY.

None required




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

#XXXXX, AMT DISPNS $XXX.XX; or


None required


1-17115 November 2011


Arbitration

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

Reason . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3

Pre-Arbitration Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3

Pre-Arbitration Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3Pre-Arbitration Response . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3Pre-Arbitration Acceptance or Rebuttal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 3

Arbitration Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 4

Filing Reasons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 4Filing Procedures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 4Invalid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 5Valid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 5Financial Liability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 6Review Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 6Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 6Appeal Rights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 7Appeal Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 7Finality of Decision on Appeal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 7

Exceptions to the Arbitration Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 - 7


2-115 November 2011


Arbitration

2.1 ARBITRATIONArbitration 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 ReasonIf 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 ConditionsBefore 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; The Issuer changes the reason code for the dispute after the Representment was processed; 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 Cardholder did not participate in the Transaction;

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. The Transaction Record must be in English with an explanation or key to the data fields in the Transaction Record.

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 ResponseA Customer or a Member must provide a copy of the Transaction Record for an ATM Transaction in response to a pre-Arbitration request from another Customer or Member.

2.1.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 credit the requesting Customer or the requesting Member for the final monetary amount received by that requesting Customer or that requesting Member, which relates to the disputed Transaction, through the Visa System, (as specified in Visa Europe Operating Regulations, Volume 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.


2-315 November 2011

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 ReasonsAn Acquirer may file for Arbitration if an Issuer has processed a prohibited second Chargeback following any Representment.

An Issuer may file for Arbitration if:Effective for Representments up to and including 16 October 2009, 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 eight calendar days of the Processing Date of the Representment. The Member must wait 15 calendar days from the Processing Date of the Representment before filing for this reason; Effective for Representments initiated on or after 17 October 2009, 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 eight calendar days of the Processing Date of the Representment. Effective for Representments initiated on or after 16 October 2010, 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 original data in the first Presentment or Chargeback record.

2.1.C.2 Filing Procedures

2.1.C.2.a Filing AuthorityThe requesting Member must file its Arbitration request with either:

Its Group Member where the requesting Member is a member of a Group Member; orVisa Europe.

2.1.C.2.b Time LimitThe requesting Customer or the requesting Member must file its request for Arbitration and all documentation required in accordance with Section 2.1.C.2.d, using the Electronic Documentation Transfer Method, within:

Effective for cases filed up to and including 16 October 2009, 60 calendar days of the Processing Date of the Chargeback or the Representment. The 60 calendar-day period begins on the day following the Processing Date of the Chargeback or on the day following the Processing Date of the Representment, and includes the 30 calendar-day pre-Arbitration waiting period. Effective for cases filed on or after 17 October 2009:— 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.


15 November 20112-4

Arbitration

2.1.C.2.d Required DocumentationWhen 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-1 Issuer through Exhibit 2E-6 Issuer and Exhibit 2E-1 Acquirer through Exhibit 2E-6 Acquirer) 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 FeesIf 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 MembersIf 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 in circumstances, such as:

Requesting Member did not file the request within the required time limits;Multiple Acquirers, Issuers, Account Numbers, Merchants and filing reasons are involved, orEffective for cases filed on or after 17 October 2009, a bundled case filing, containing more than 10 Chargebacks, was submitted.

2.1.C.4 Valid Request

2.1.C.4.a NotificationThe 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 ResponseEffective for cases filed up to and including 16 October 2009, the opposing Customer or opposing Member must, within 30 calendar days of the notification of acceptance of Arbitration, respond to the notification, 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.


2-515 November 2011

Arbitration

Effective for cases filed on or after 17 October 2009, 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:


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 be notified as to its financial responsibility for the disputed Transaction.

2.1.C.4.d Arbitration DecisionThe 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 days of written notification from the Arbitration and Compliance Committee.

2.1.C.6 Review Fee

2.1.C.6.a For cases that relate to an International Transaction, the responsible Customer or Member is financially liable for the US $250 review fee, as specified in the Visa Europe Operating Regulations, Volume 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.


15 November 20112-6

Arbitration

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 notification from the Arbitration and Compliance Committee, at the time of case closure.

2.1.C.8 Appeal Rights

2.1.C.8.a Appeal AmountThe US dollar amount, or local currency equivalent, of the case determines whether the adversely affected Member may appeal the decision, as shown in Table 2-1.

2.1.C.8.b Time LimitsIf a Customer or a Member is found to be liable for the disputed Transaction through Arbitration and such Customer or Member decides to appeal that decision, it must file an appeal, using the Electronic Documentation Transfer Method, within 60 calendar days of the date of notification of the Arbitration decision.

2.1.C.9 Appeal Filing Fee

2.1.C.9.a When filing for an appeal, the requesting Customer or Member is assessed an Arbitration appeal filing fee of five per cent of the value of the disputed Transaction, up to a maximum of US $1,000 or local currency equivalent.

2.1.C.9.b The Arbitration appeal filing fee cannot be recovered from Visa Inc. or Visa Europe or the opposing Customer or opposing Member.

2.1.C.10 Finality of Decision on AppealThe decision on any permitted appeal for cases is final and not subject to any challenge.

2.1.D Exceptions to the Arbitration ProcessIf 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.

Table 2-1 Arbitration Appeal Rights

Disputed Amount Appeal Right Appeal Authority

Less than US $5,000 No Not applicable

Greater than US $5,000 Only if Customer or Member can provide new evidence not previously available

Senior Management Arbitration and Compliance Committee


2-715 November 2011


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 - 3Pre-Compliance Rebuttal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 3Pre-Compliance Response . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4

3.4 COMPLIANCE PROCESS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4

Filing Reasons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4

Chargeback Reduction Service Return . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4Hotel Reservation Service or Specialized Vehicle Reservation Service

Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 4Unauthorized Signature . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 5Split Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 5Copy Fulfilment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 6Delayed or Amended Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 6Non-Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 6Electronic Commerce Transaction (Attempts Authentication) . . . . . . . . . . . . . . . . . . 3 - 6Account 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 - 11Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 - 11Required Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12


3-115 November 2011

Compliance

Invalid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12

Group Member . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12Visa Europe . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12

Valid Request . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12

Visa Europe Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 12Opposing Member’s Response . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13Requesting Member’s Withdrawal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13Compliance Decision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13Financial Liability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 13Review Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14

Appeal Rights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14

Appeal Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14Time Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14Appeal Filing Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 14Finality of Decision on Appeal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 15

Exceptions to the Compliance Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 - 15


15 November 20113-2

Compliance

3.1 COMPLIANCECompliance 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 CONDITIONSA 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 CONDITIONSBefore 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 AttemptA 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 RecoveryFor 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.E.

3.3.C Pre-Compliance Acceptance or Rebuttal

3.3.C.1 Pre-Compliance AcceptanceIf, 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 RebuttalIf 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.


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3.3.C.3 Pre-Compliance ResponseAn 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 ReasonsA 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 TransactionA 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:

Effective up to and including 16 October 2009, the Cardholder used and paid for the accommodations or car rental services using means other than the Card with which it made the reservation and was charged a fee for a No-Show Transaction. (In order to file for Compliance for this reason, the Issuer must provide, as evidence, the receipt evidencing payment to the Merchant using those other means); The Merchant provided alternative accommodation or an alternative vehicle, but the Cardholder was charged for the accommodation or Specialized Vehicle reserved for that Cardholder. (In order to file for Compliance for this reason, the Issuer must provide one of the following forms of evidence: a letter from the Cardholder confirming the check-in date or car rental date, the Merchant Outlet, and the location of the alternative accommodation or vehicle); The Transaction Amount of the No-Show Transaction was different from the amount quoted to the Cardholder at the time of booking. (In order to file for Compliance for this reason, the Issuer must provide the written confirmation (or a copy thereof) of the quoted rates as evidence); or The Merchant did not inform the Cardholder of the exact Merchant Outlet address and that Cardholder used and paid for the accommodation or car rental at another Merchant Outlet of that Merchant. (In order to file for Compliance for this reason, the Issuer must provide the payment receipt copy for that other Merchant Outlet as evidence).


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Compliance

3.4.A.3 Unauthorized Signature

3.4.A.3.a Subject to Section 3.4.A.3.b below, an Issuer may file for Compliance where a Cardholder's account was charged for a Transaction under the following circumstances:

The Cardholder denies authorizing or participating in the Transaction; A Card that was lost or stolen, and then returned to the Issuer, was used in the disputed Transaction; or The first initial or the first letter of the first name is not the same, or the surname of the signature on the Transaction Receipt is not spelled the same, as that on the Card signature panel.

3.4.A.3.b The rule set out in Section 3.4.A.3.a above is not applicable to:A Transaction using a Vehicle-Specific Fleet Card; An Emergency Cash Disbursement; An Emergency Travelers Cheque Refund; or A Priority Check-out Transaction.

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 dateSame Transaction Date. Visa considers undated Transaction Receipts to have the same date.Same Merchant OutletInitials 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.

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 ReceiptsEvidence of attempted Authorization for full amount


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3.4.A.5 Copy Fulfilment

3.4.A.5.a 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 Effective up to and including 14 October 2011, 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 12 months of the Processing Date of the Transactions the International Transaction that generated that Transaction Receipt, or 13 months of the Processing Date of the Visa Europe Transaction which generated that Transaction Receipt.

3.4.A.5.c 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 Effective on or after 15 October 2011, International Transaction which generated that Transaction Receipt.

3.4.A.5.d 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 ChargesAn Issuer may file for Compliance if a Cardholder is disputing a Delayed or Amended Charge Transaction for damage to a rental vehicle or a traffic violation and the Car Rental Company has failed to provide:

Evidence that the Cardholder has given prior written consent to such Delayed or Amended Charge Transaction; and Evidence of damage to a rental vehicle or of the traffic violation.

3.4.A.7 Non-CardAn Issuer may file for Compliance where a Merchant submits a Transaction Receipt generated in a Card-Present Environment, the Merchant did not obtain an Authorization for the Transaction and the card was not a Card or a Counterfeit Card.

3.4.A.8 Electronic Commerce Transaction (Attempts Authentication)An Issuer may file for Compliance in respect of an Electronic Commerce Transaction coded with ECI value "6", where:

A Cardholder, who has not asserted that the Electronic Commerce Transaction was fraudulent, requires additional information about that Electronic Commerce Transaction; and The Acquirer did not respond to a Retrieval Request from the Cardholder's Issuer with a Fulfilment, or the Acquirer responded to that Retrieval Request with a non-fulfilment message code "03" or "04".

In order to file for Compliance for this reason, the Issuer must provide as evidence the Cardholder letter requesting more information about that Electronic Commerce Transaction.


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3.4.A.9 Account Generated Counterfeit FraudA 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 2

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; andEffective 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”; or7523 “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 SecureAn 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.

Table 3-1 specifies the Compliance process for Transactions using 3-D Secure when the Issuer does not participate in the service.

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).

2. Effective until 1 October 2010, a variance to this requirement applies, to exclude ATM Cash Disbursement Transactions involving Issuers or Acquirers from Visa Inc. (Asia-Pacific).


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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 3-1 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 the Acquirer 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




If no proof is available then the Acquirer is liable


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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 3-2 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


• If proof provided is valid then the Issuer is liable

• If proof provided is invalid then the Acquirer is liable


ECI 6 Received

Issuer checks ACS for proof of Merchant attempt. If record (such as “VEReq”/”VERes” pair) is not present, Issuer may raise a pre-Compliance.

Issuer requests proof of attempted authentication (such as “VEReq”/”VERes” pair or “CRRes”1) from the Acquirer




• If proof provided is valid then the Issuer is liable

• If proof provided is invalid then the Acquirer is liable



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

.

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.

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 validate PARes 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






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

IssuerChecks

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 “CRRes”1) from the Acquirer









Compliance

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; orVisa 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:

Effective up to and including 16 October 2009, 120 calendar days; and Effective on or after 17 October 2009, 90 calendar days.

These time limits are calculated as beginning on the day following either:The Processing Date; or The "date of discovery", which is the date on which the requesting Customer or requesting Member discovered that a violation had occurred (not to exceed two years from the Transaction Date), if no evidence of the violation was previously available to the requesting Customer or requesting Member.

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.b 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.

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








Compliance

3.4.D.3 Required DocumentationWhen filing for Compliance, the requesting Customer or requesting Member must submit all of the following, in English:

Information required in Exhibit 2K or the Electronic Documentation Transfer Method questionnaire for each violation of the Visa Inc. Operating Regulations, in the case of Customers, and the Visa Europe Operating Regulations, in the case of Members; Information required in Exhibit 2O or the Electronic Documentation Transfer Method questionnaire; If the Compliance involves a prior Chargeback, a completed Exhibit 2E or the Electronic Documentation Transfer Method questionnaire for each Chargeback or Representment; Any supporting documentation relevant to the violation of the Visa Inc. Operating Regulations, in the case of Customers, and the Visa Europe Operating Regulations, in the case of Members; and Documentation substantiating that a financial loss would not have resulted had the violation of the Visa Inc. Operating Regulations, in the case of Customers, and the Visa Europe Operating Regulations, in the case of Members, not occurred.

Additional information or documentation not previously provided to the opposing Customer or opposing Member prior to filing the Compliance case must not be included in the case filing for Compliance.

3.4.D.4 Filing FeeIf 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 MemberIf 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.

3.4.E.2 Visa EuropeIf 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 Effective for case filed on or after 17 October 2009, a bundled case filing, containing more than 10 Chargebacks, was submitted.

3.4.F Valid Request

3.4.F.1 Visa Europe NotificationThe requesting Member and the opposing Customer or opposing Member (as relevant) shall be notified of acceptance of the Compliance case.



Compliance

3.4.F.2 Opposing Member’s ResponseEffective for cases filed up to and including 16 October 2009, the opposing Customer or opposing Member must, within 30 calendar days of the notification of acceptance of the Compliance respond to the notification using the Electronic Documentation Transfer Method, stating either that:


Effective for cases filed on or after 17 October 2009, 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:


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 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 be notified as to it financial responsibility.

3.4.F.4 Compliance DecisionThe 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.

3.4.F.5.b The responsible Customer or Member is financially liable for the Transaction Amount.

If the opposing Customer or Member is responsible, the requesting Customer or Member may collect this amount from the opposing Customer or Member through the Visa System within 60 calendar days of written notification from the Arbitration and Compliance Committee.



Compliance

3.4.F.6 Review Fee

3.4.F.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.

3.4.F.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.

3.4.F.7 Filing Fee

3.4.F.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 the Visa System within 30 calendar days of written notification from the Arbitration and Compliance Committee, at the time of case closure.

3.4.F.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 the Visa System within 30 calendar days of written notification from the Arbitration and Compliance Committee, at the time of case closure.

3.4.G Appeal Rights

3.4.G.1 Appeal AmountThe US dollar amount, or local currency equivalent, of the case determines whether the adversely affected Customer or Member may appeal the decision, as shown in Table 3-6.

3.4.G.2 Time LimitsIf a Customer or a Member is found to be liable for the disputed Transaction through Compliance and such Customer or Member decides to appeal that decision, it must file an appeal, using the Electronic Documentation Transfer Method, within 60 calendar days of the date of notification of the Compliance decision.

3.4.G.3 Appeal Filing Fee

3.4.G.3.a When filing for an appeal against a Compliance decision, the requesting Customer or Member is assessed a Compliance appeal filing fee of five per cent of the value of the disputed Transaction, up to a maximum of US $1,000 or local currency equivalent.

3.4.G.3.b The Compliance appeal filing fee cannot be recovered from Visa Inc. or Visa Europe or the opposing Customer or opposing Member.

Table 3-6 Compliance Appeal Rights

Disputed Amount Appeal Right Appeal Authority

Less than US $5,000 No Not applicable

Greater than US $5,000 Only if Customer or Member can provide new evidence not previously available

Senior Management Arbitration and Compliance Committee



Compliance

3.4.G.4 Finality of Decision on AppealThe decision for any permitted appeal on a case is final and not subject to any challenge.

3.4.H Exceptions to the Compliance ProcessIf 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.




Exhibits

RISK

Exhibit 1A Lost or Stolen Card Report . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 4Exhibit 1B Exception File Update Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 5Exhibit 1C Recovered Card Advice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 6Exhibit 1F Recovered Counterfeit Card Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 7

DISPUTE RESOLUTION

Exhibit 2E Dispute Resolution Forms - Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 9Exhibit 2E-1 Issuer Chargeback Form - Request for Information . . . . . . . . . . . . . . . . . . . . . . A - 11Exhibit 2E-2 Issuer Chargeback Form - Fraud . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 12Exhibit 2E-3 Issuer Chargeback Form - Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 13Exhibit 2E-4 Issuer Chargeback Form - Processing Error . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 14Exhibit 2E-5 Issuer Chargeback Form - Cancelled/Returned . . . . . . . . . . . . . . . . . . . . . . . . . A - 15Exhibit 2E-6 Issuer Chargeback Form - Non-Receipt Goods/Services . . . . . . . . . . . . . . . . . A - 16Exhibit 2E-1 Acquirer Representment Form - Request for Information . . . . . . . . . . . . . . . . . A - 17Exhibit 2E-2 Acquirer Representment Form - Fraud . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 18Exhibit 2E-3 Acquirer Representment Form - Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . A - 19Exhibit 2E-4 Acquirer Representment Form - Processing Error . . . . . . . . . . . . . . . . . . . . . . A - 20Exhibit 2E-5 Acquirer Representment Form - Cancelled/Returned . . . . . . . . . . . . . . . . . . . . A - 21Exhibit 2E-6 Acquirer Representment Form - Non-Receipt Goods/Services . . . . . . . . . . . .A - 22Exhibit 2F Summary of Unauthorized Telephone Service Transactions . . . . . . . . . . . . . .A - 23Exhibit 2G Unauthorized Signature - Issuer Certification . . . . . . . . . . . . . . . . . . . . . . . . . . A - 24Exhibit 2J Summary of Arbitration Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 25Exhibit 2K Summary of Compliance Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 26Exhibit 2L BASE II Record Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 27Exhibit 2M Visa Europe Clearing and Settlement Record Requirements . . . . . . . . . . . . . A - 39Exhibit 2N Pre-Arbitration Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 51Exhibit 2O Pre-Compliance Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 52Exhibit 2P Cardholder Dispute Resolution Request Form . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 53

AUTHORIZATION

Exhibit 3A Required Message Content for VisaNet Financial Transactions . . . . . . . . . . .A - 55Exhibit 3B Required Message Content for VisaNet Authorization Requests . . . . . . . . . A - 63Exhibit 3C Required Message Content for Visa Europe Systems Financial

Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 75Exhibit 3D Required Message Content for Visa Europe Systems Authorization

Requests . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 83Exhibit 3E Certification of Special Authorization Representment Amount . . . . . . . . . . A - 95


A-115 November 2011

Exhibits - List

BIN

Exhibit 4A BIN License Agreement Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 97Exhibit 4A BIN License Agreement Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 101Exhibit 4B Change of BIN Licensee / User Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 105Exhibit 4B Change of BIN Licensee /User Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 107Exhibit 4D Member Portfolio Sale Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 109Exhibit 4E Release of BIN Form — Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 110Exhibit 4E Release of BIN Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 112Exhibit 4F Visa Interchange Directory Update Form — Instructions . . . . . . . . . . . . . . . . A - 114Exhibit 4F Visa Interchange Directory Update Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 118Exhibit 4G Global Customer Assistance Services (GCAS) Card Issuer

Information Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 124Exhibit 4I Stand-In Emergency Services Processing Form . . . . . . . . . . . . . . . . . . . . . . . . .A - 125Exhibit 4J Emergency Service Location Form VISA 911 . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 126

LICENSE/AGREEMENT

Exhibit 5A Visa System Letter of Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 128Exhibit 5B Licensed Software and Designated Computers . . . . . . . . . . . . . . . . . . . . . . . . .A - 129

TRANSACTION RECEIPTS

Exhibit 7A 80-Column Cash Disbursement Transaction Receipt . . . . . . . . . . . . . . . . . . . A - 131Exhibit 7I Electronic Transaction Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 132Exhibit 7J Manual Transaction Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 135Exhibit 7K Electronic Commerce Transaction Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 138

EMV LIABILITY SHIFT

Exhibit 8A Visa Europe EMV Liability Shift Flow Diagram . . . . . . . . . . . . . . . . . . . . . . . . A - 140Exhibit 8B Visa Europe EMV Liability Shift Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 142


15 November 2011A-2

RISK

RISKExhibit 1A Lost or Stolen Card Report . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 4Exhibit 1B Exception File Update Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 5Exhibit 1C Recovered Card Advice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 6Exhibit 1F Recovered Counterfeit Card Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 7


A-315 November 2011

RISK Exhibit 1A

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 of Cards Issued:

Number of Cards 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:


15 November 2011A-4

RISK Exhibit 1B

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)


A-515 November 2011

RISK Exhibit 1C

Exhibit 1C Recovered Card Advice

Method of Recovery Notification:

Recovered Card Account Number:

Issuer:

Date:

Fee Collection Input Date:

Amount of Reward Paid to Merchant or Teller:

Acquirer:

BIN:

BIN:

Recovery Notification (Date and Time):

Reason for Recovery:

Total Amount of Fee Collection:


15 November 2011A-6

RISK Exhibit 1F

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 Europe PO Box 39662 London W2 6WH United Kingdom

Visa Europe Use Only:

Date:Reviewed by:


A-715 November 2011

DISPUTE RESOLUTION

DISPUTE RESOLUTIONExhibit 2E Dispute Resolution Forms - Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 9Exhibit 2E-1 Issuer Chargeback Form - Request for Information . . . . . . . . . . . . . . . . . . . . . . A - 11Exhibit 2E-2 Issuer Chargeback Form - Fraud . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 12Exhibit 2E-3 Issuer Chargeback Form - Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 13Exhibit 2E-4 Issuer Chargeback Form - Processing Error . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 14Exhibit 2E-5 Issuer Chargeback Form - Cancelled/Returned . . . . . . . . . . . . . . . . . . . . . . . . . . A - 15Exhibit 2E-6 Issuer Chargeback Form - Non-Receipt Goods/Services . . . . . . . . . . . . . . . . .A - 16Exhibit 2E-1 Acquirer Representment Form - Request for Information . . . . . . . . . . . . . . . . . A - 17Exhibit 2E-2 Acquirer Representment Form - Fraud . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 18Exhibit 2E-3 Acquirer Representment Form - Authorization . . . . . . . . . . . . . . . . . . . . . . . . . .A - 19Exhibit 2E-4 Acquirer Representment Form - Processing Error . . . . . . . . . . . . . . . . . . . . . . . A - 20Exhibit 2E-5 Acquirer Representment Form - Cancelled/Returned . . . . . . . . . . . . . . . . . . . . A - 21Exhibit 2E-6 Acquirer Representment Form - Non-Receipt Goods/Services . . . . . . . . . . . A - 22Exhibit 2F Summary of Unauthorized Telephone Service Transactions . . . . . . . . . . . . . . A - 23Exhibit 2G Unauthorized Signature - Issuer Certification . . . . . . . . . . . . . . . . . . . . . . . . . . A - 24Exhibit 2J Summary of Arbitration Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 25Exhibit 2K Summary of Compliance Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 26Exhibit 2L BASE II Record Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 27Exhibit 2M Visa Europe Clearing and Settlement Record Requirements . . . . . . . . . . . . . A - 39Exhibit 2N Pre-Arbitration Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 51Exhibit 2O Pre-Compliance Attempt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 52Exhibit 2P Cardholder Dispute Resolution Request Form . . . . . . . . . . . . . . . . . . . . . . . . . . A - 53


15 November 2011A-8

DISPUTE RESOLUTION Exhibit 2E

Exhibit 2E Dispute Resolution Forms - Instructions

Chargeback/Representment Documentation TransmittalUse 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 groupFor Representments, indicate the Chargeback reason code that was received, the Receipt Date of the Chargeback and convey all the relevant information about the Representment in the fields provided. Some fields may apply to more than one Chargeback reason code in the dispute group

If the Chargeback reason code is changed at pre-Arbitration, the Issuer must send the Acquirer the required information and any supporting documentation required for the new reason code. The Issuer may change its reason code only if the change is based on new information provided by the Acquirer upon Representment.

For both Chargebacks and Representments, if further explanation is necessary, use the Additional Information section provided on each form. Members may attach additional pages to the form if necessary.

Always complete the estimated Input Date/Settlement Date. The Input Date is the outgoing Edit Package run date. The Settlement Date is the Value provided in Field 15 of the Single Message System Transaction. This date may be used by the Receiving Member to match the documentation with the related Single Message System or, Visa Europe Clearing and Settlement Service or BASE II transmission.

Attach related documentation to this transmittal and send to the Receiving Member through the Electronic Documentation Transfer Method.

Visa Europe recommends that Members always provide all documentation and information that best support their case.

Table A-1 Dispute Resolution Forms

To BIN This field must contain the unique six-digit number assigned by Visa Europe to the Receiving Member or Processor

From BIN This field must contain the unique six-digit number assigned by Visa Europe to the Sending Member or Processor

Chargeback Reference Number

If used, this field must contain a unique six-digit number assigned by the Issuer to identify the source of the Chargeback. If present, the Acquirer must

return the same number in any Representment

Account Number The Account Number field must contain the Account Number. If the Account Number exceeds 16 digits, the Account Number extension field must be used. If the Account Number consists of fewer than 16 digits, the field must be 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


A-915 November 2011

DISPUTE RESOLUTION Exhibit 2E

Acquirer Reference Number The Acquirer Reference Number, as shown in the original Presentment, must be included in all Chargebacks, Retrieval Requests and Representments.Visa Europe Clearing and Settlement Service and BASE II: This field must contain the 23-digit identification number assigned to the record in the first Presentment and must be included in the Clearing Record for each Transaction processing cycle. The Acquirer Reference Number consists of the following:

• Position 1: Format Code

• Position 2-7: BIN

• Position 8-11: Endorsement Date (YDDD)

• Position 12-22: Film Locator Number

• Position 23: Check digit

If multiple Telephone Service Transactions are charged back in a single Chargeback record, the Acquirer Reference Number must be from the Transaction with the earliest Endorsement Date.Single Message System: This field must contain the 24-digit Acquirer Reference Number or Tracing Data in the following positions:

• Position 1-6: The same information as that contained in the Acquiring Institution ID field of the V.I.P. System record or the Visa Europe Authorization Service record

• Position 7-10: Transaction Date (YDDD)

• Position 11-18: Locator Number

• Position 19-24: 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 alphabet characters.

Merchant Location The location, in Roman alphabet letters, of the Merchant Outlet or Member location where the Transaction occurred. City names that contain more than 13 characters must be abbreviated. Visa Europe may grant a variance for this requirement upon receipt of written request.

Transaction Date The Transaction Date is the actual date on which a Transaction occurred. It is classified as the purchase date in the Visa Europe Clearing and Settlement Service and BASE II. The Transaction Date must be expressed as a six-digit code in the format “MMDDYY”.

Processing Date The Processing Date is the date (based on Greenwich Mean Time) on which a Member submits the Interchange Data to, and the data is accepted by, a Visa Interchange Centre. Equivalents to the Processing Date are:

• In the Visa Europe Clearing and Settlement Service and BASE II, the Processing Date; and

• In the Single Message System, the Settlement Date.

The Processing Date must be expressed as a six-digit code in the format “MMDDYY”.

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)


15 November 2011A-10

DISPUTE RESOLUTION Exhibit 2E-1

Exhibit 2E-1 Issuer Chargeback Form - Request for Information

MEMBER INFORMATION

Account Number:


Chargeback Reference Number: (if used)

Cardholder Name (optional):

CHARGEBACK REASON CODE Check 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-1115 November 2011


Exhibit 2E-2 Issuer Chargeback Form - Fraud

MEMBER INFORMATION



1.

If Retrieval Request(s) was/were not fulfilled or the Fulfilment was improper, provide the following information (not required if provided in MMT) Request Date (MMDDYY):

57 - Fraudulent Multiple Transaction

Providing copy of Cardholder letterProviding copies of Transaction Receipts (if received)Providing Cardholder's copy of acknowledged Transaction Receipt (if Transaction not processed)

Providing copy of Cardholder letterIssuer certifies that CVV was encoded on the Card in questionIssuer certifies that it was a participant of the Card Verification Service at the time of Authorization

62 - Counterfeit Transaction

Cardholder did not authorize TransactionFictitious Account Number and no Authorization obtainedNo such Card and no Authorization obtained

81 - Fraud - Card-Present Environment (indicate the Chargeback condition)

Providing copy of Cardholder letter and Transaction Receipts (if received)Providing required data for batched Magnetic-Stripe Reading Telephone TransactionsIssuer certifies Card is a PIN-Preferring Chip Card

Cardholder did not authorize TransactionFictitious Account Number and no Authorization obtainedNo such Card and no Authorization obtained

83 - Fraud - Card-Absent Environment (indicate the Chargeback condition)

Providing copy of Cardholder letter and Transaction Receipts (if received)Providing required data for batched Telephone Service Transactions

Transaction identified by Merchant Fraud Performance Program (MMDDYY)

93 - Fraud - Merchant Fraud Performance Program

Account Number:




Merchant Name:


To BIN: From BIN:



Merchant Location:


Transaction Amount:


Disputed Amount:


Fax Number:










Exhibit 2E-3 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 following identical data: Account Number, Transaction Date, Transaction Amount and Merchant identification

Decline Response provided through International Automated Referral Service

Account Number:

Date (MMDDYY): Time: Issuer Response: Amount:

72 - Authorization

Authorization required but not obtained

Transaction exceeds authorized amount or allowed percentage (explain):

Non-matching Merchant Category Code in either the V.I.P. System Authorization message or Visa Europe Authorization Service Authorization message and Clearing Record

Merchant Category Code in V.I.P. System Authorization Message:

Merchant Category Code in Clearing Record:

78 - Service Code Violation

Account Number:




Merchant Name:


To BIN: From BIN:



Merchant Location:


Transaction Amount:


Disputed Amount:


Fax Number:










Exhibit 2E-4 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 than 180 days from Transaction Date 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 ViolationCurrency 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's local currency

77 - Non-Matching Accounting 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 ProcessingFirst Acquirer Reference Number or Tracing Data (23 or 24 digits):

86 - Paid by Other MeansProviding 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








Exhibit 2E-5 Issuer Chargeback Form - Cancelled/Returned

MEMBER INFORMATION

Account Number:




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 voided Transaction 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 available)

Merchant received merchandise (MMDDYY):

Merchant received merchandise (MMDDYY)

Timeshare cancelled (MMDDYY):

Reservation cancelled (MMDDYY):

Advance Deposit cancelled (MMDDYY):

Cardholder not informed of cancellation policyAlternate accomodation provided no credit issued

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


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 codeReservation was made within 72 hours of arrival date and cancelled prior to 18h00

53 - Not as described or Defective Merchandise

85 - Credit Not Processed

Merchandise returned/service cancelled on (MMYYDD):

Cancellation code (provide details if code is unavailable):

MEMBER CERTIFICATION Issuer certification required

Issuer certifies that Cardholder attempted to resolve with Merchant

1.




Exhibit 2E-6 Issuer Chargeback Form - Non-Receipt Goods/Services

MEMBER INFORMATION



1.

30 - Services Not Provided or Merchandise Not Received

Merchant unwilling or unable to provide service(s)

Date services were to be provided (if applicable): (MMDDYY)

Cardholder attempted to resolve with Merchant or Merchant's liquidator

Issuer certifies that Cardholder attempted to resolve with Merchant

Account Number:




Merchant Name:


To BIN: From BIN:



Merchant Location:


Transaction Amount:


Disputed Amount:


Fax Number:





Merchandise or ticket not received by agreed date (MMDDYY, if applicable):

Merchandise or ticket not received at agreed location (specify, if applicable):

90 - Non-receipt of Cash or Load Transaction Value at ATM or Load Device

Cash or Load Value not received

Partial cash or Load Value received (Amount received):






Exhibit 2E-1 Acquirer Representment Form - Request for Information

MEMBER INFORMATION

Account Number:




REPRESENTMENT REASON CODE Check 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 legible Transaction Amount

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

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





Exhibit 2E-2 Acquirer Representment Form - Fraud

MEMBER INFORMATION

Account Number:




Merchant Name:




Fax Number:

To BIN: From BIN:



Merchant Location:


Transaction Amount:


Disputed Amount:


1.






Providing evidence that fraudulent multiple Transactions did not occurTransactions were key-entered or chip-initiated and online or offline PIN obtainedProviding evidence that Transaction(s) represent valid delayed or amended charges

Acquirer certifies that the Point-of-Transaction Terminal is Chip and PIN capable

Authorization date (MMDDYY): Code: POS Entry Mode code:

Authorization message contained all data elements for EMV-Online Card Authentication CryptogramTransactions were key-entered or Chip-initiated, offline-authorizedAcquirer certifies that it was a Card Verification Service participant at the time of Authorization

Providing evidence of an imprint and signature or PINProviding evidence that Transaction was Chip-initiated with PIN or Cardholder CertificateProviding internal record for below floor limit Transaction proving Magnetic-Stripe read or Chip-initiated with PIN or signatureProviding Referral Authorization record proving Magnetic-Stripe read or Chip-initiated within 24 hours of Transaction, Automated Referral Service log, and evidence of signature or PIN

81 - Fraud - Card-Present Environment

62 - Counterfeit Transaction

57 - Fraudulent Multiple Transactions

3. Remedy for Chargeback:



Providing evidence of an imprint and signature or PINProviding evidence Transaction authorized with Cardholder Authentication Verification Value and Authentication IdentifierProviding evidence that Transaction was authorized through the Emergency Payment Authorization Service

83 - Fraud - Card-Absent Environment

93 - Fraud - Merchant Fraud Performance Program

Transaction was previously charged back (MMDDYY) for reason code:





Exhibit 2E-3 Acquirer Representment Form - Authorization

MEMBER INFORMATION

Account Number:




Merchant Name:




Fax Number:

To BIN: From BIN:



Merchant Location:


Transaction Amount:


Disputed Amount:


1.





Account Number not listed on Card Recovery Bulletin or Exception File on Transaction Date (MMDDYY)

Car rental, check-in date or embarkation date: (MMDDYY)

Providing evidence Transaction was Chip-initiated and offline-authorized

Providing evidence to demonstrate Service Code is valid

Providing Authorization log to demonstrate Authorization not declined or Certification of Special Authorization Representment Amount (Exhibit 3E)Providing evidence Transaction was Chip-initiated and offline-authorized

Providing Certification of Special Authorization Representment Amount (Exhibit 3E)Providing evidence Transaction was Chip-initiated and offline-authorized

Providing evidence to demonstrate Card was not expired on the Transaction Date, check-in, rental or embarkation dateProviding evidence Transaction was Chip-initiated and offline-authorized

73 - Expired Card

71 - Declined Authorization

70 - Card Recovery Bulletin or Exception File




Providing evidence Transaction was Chip-initiated and offline-authorized

78 - Service Code Violation

Transaction Date: (MMDDYY) not (MMDDYY)

72 - No Authorization

If Authorization was obtained, provide: Authorization Date: (MMDDYY), Authorization Code:


By completing this for, you assert that the information included is accurate to the best of your knowledge.




Exhibit 2E-4 Acquirer Representment Form - Processing Error

MEMBER INFORMATION

Account Number:




Merchant Name:




Fax Number:

To BIN: From BIN:



Merchant Location:


Transaction Amount:


Disputed Amount:


1.





Providing Transaction Receipt with Transaction Date to disprove late presentment

Providing evidence to demonstrate Transaction code is correct

Providing evidence to prove Merchant did not receive payment by other means

Certifying that Merchant is registered to offer Dynamic Currency Conversion

Providing legible Transaction Receipt to demonstrate Account Number processed correctly

Providing evidence to demonstrate separate Transactions

Providing Transaction Receipt or other record to prove Transaction Amount correct or unaltered

82 - Duplicate Processing

76 - Incorrect Currency or Transaction Code or Domestic Transaction Processing Violation

74- Late Presentment




86 - Paid by Other Means

80 - Incorrect Transaction Amount or Account Number

Providing evidence to demonstrate Transaction Country is correctProviding evidence to demonstrate Transaction Currency is correctProviding evidence to demonstrate Transaction occurred at military base, embassy or consulate

Providing evidence to demonstrate that Dynamic Currency Conversion was properly offered and applied

77 - Non-Matching Account Number

Authorization Date (MMDDYY) Authorization Code

Merchant legally permitted or required to alter amountProviding evidence to demonstrate Account Number correct

Providing proof that time of call for each Magnetic-Stripe Telephone call differs

Providing evidence to demonstrate Transaction not Cardholder-Activated Transaction Type A or B96 - Transaction Exceeds Limited Amount

Providing evidence Transaction did not exceed amountTransaction was for In-Transit Service






Exhibit 2E-5 Acquirer Representment Form - Cancelled/Returned

MEMBER INFORMATION

Account Number:




Merchant Name:




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




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)






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

MEMBER INFORMATION

Account Number:




Merchant Name:




Fax Number:

To BIN: From BIN:



Merchant Location:


Transaction Amount:


Disputed Amount:


1.





Documents to prove Cardholder received servicesDocuments 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




Date merchandise shipped (MMDDYY):


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





DISPUTE RESOLUTION Exhibit 2F

Exhibit 2F Summary of Unauthorized Telephone Service Transactions

Acquirer Reference Number (from line 1):

Account Number:

To BIN: From BIN:

Total Amount: $

Note: This Acquirer Reference Number must be that containing the earliest Processing Date for the listed Transaction and must be the first number used in the Chargeback record

Acquirer Reference Number Amount (not to exceed US $40 or equivalent)

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

13.

14.

15.

16.

17.

18.

19.

20.

21.

22.

23.

24.

25.

Total of lines 1-25: (US $ or equivalent)

(Note: This amount must be used in the amount field of the Chargeback record)

Prepared by:

(please print)

Telephone Number:

INSTRUCTIONS: Use this form to detail individual Transaction data for multiple unauthorized telephone service Transactions charged back for Chargeback reason code 81, "Fraud - Card-Present Environment", or Chargeback reason code 83, "Fraud - Card-Absent Environment", in a single Chargeback record. List no more than 25 Transaction per Chargeback record. Transactions must be under $40 or equivalent each to be charged back as part of a multiple Chargeback record.



DISPUTE RESOLUTION Exhibit 2G

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

Exhibit 2J Summary of Arbitration Documentation

Opposing Member Name:

Requesting Member Name:

Effective for Arbitration submissions for Chargebacks

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

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

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 Qualification

1. Processing Date of Chargeback or Representment 2. Date of pre-Arbitration request (attach copy) 3. Explanation of the Visa Europe Operating Regulations in dispute: 4. Reason given for refusal (if written refusal, attach copy of correspondence): B. Chronological Sequence of Events

Complete Sections 1, 2 and 3 for all requests. Complete Section 4 only if you are the Issuer and filing the case with Visa Europe. Complete Section 5 only if you are the Acquirer and filing the case with Visa. Please provide the following dates in "MMDDYY" format 1. Transaction Date: 2. Processing Date:

3. Acquirer Reference Number (Must be 23 or 24 characters)/Tracing Data:

4. If filling as an Issuer, complete this section: 5. If filling as an Acquirer, complete this section:

Transaction Receipt Request Date (if applicable):

First Chargeback Processing Date:

Reason Code:

First Chargeback Processing Date:

Reason Code:

C. Supporting Documentation - All copies must be legible. Check appropriate items identifying documentation

attached

1. 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:

Representment Processing Date:

Reason Code:

Representment Processing Date:

Reason Code:



DISPUTE RESOLUTION Exhibit 2K

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 a copy of your written good faith attempt and any response. Include all other documentation, such as Cardholder letters, Merchant correspondence, copies of Transaction Receipts, Credit Transaction Receipts, and any logs, forms or exhibits. Please attach a list of the documentation included and ensure that documentation not in English is translated. D. FILING FEE: to be collected through fee collection.

Date Prepared:

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 a loss:

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

B. COMPLIANCE INFORMATION - COMPLETE THE FOLLOWING AS APPLICABLE

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

Exhibit 2L BASE II Record RequirementsThis 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 CodesA Member must use one of the following Transaction codes for all Interchange Transactions submitted to a Visa Interchange Centre:

Transaction Code QualifierThis 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




Account Number and Account Number ExtensionThe 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 NumberThis 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 codePosition 2-7: BINPosition 8-11: Endorsement Date (YDDD)Position 12-22: Film Locator numberPosition 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 CodeIf 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




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 25 Roman alphabet characters.

Multiple Merchant Outlets Merchants with multiple Merchant Outlets in a city must individually identify the location of a Transaction. This field must also contain one of the following:

• Store number

• Street number

• Other unique identifier

The number or unique identifier must follow the Merchant name.Each Region will establish an implementation date for this requirement.

No-Show Transactions For No-Show Transactions, this field may also include the words “NO SHOW.”

Cash Disbursements For Cash Disbursements made by a Cash Disbursement Merchant, this field must also include the word “CASH.”

Sale of Cheques or Foreign Currency

For a Manual Cash Disbursement representing the sale of travelers cheques or Foreign Currency by a Merchant, this field must also include either of the following abbreviations:

• “TRAV FUNDS”

• “TRCH-CURR”

A Merchant’s sale of travelers cheques or Foreign Currency must be processed as either a Cash Disbursement or a Quasi-Cash Transaction.

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 appropriate instalment descriptor (such as 1 of 5).

In-Transit Service Transactions

For an In-Transit Service Transaction, this field must also contain the word “InTransit” immediately following the Merchant name.

Merchandise Purchases Aboard an Aircraft

If merchandise is purchased aboard an aircraft, this field may contain a description of the merchandise in place of the passenger’s ticket number.




Card Acceptor Identification CodeThis 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 field must contain both:

• “BASE EXCHANGE,” “B EX,” “EMBASSY,” “CONSULATE,” or a similar description

• Name of the embassy, consulate or military base

Airline Ticket Transactions The abbreviated Airline name as specified in Visa Europe Operating Regulations, Volume 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:



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)




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.”


For an In-Transit Service Transaction, this field must contain the Merchant’s customer service telephone number and country.


For single Telephone Service Transactions, this field must contain the name of the city where the telephone is located.


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 contact details that enable the Cardholder to contact the Merchant directly.


The Chargeback or Representment record must include the Merchant city as shown in the original Presentment.

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.


For an In-Transit Service Transaction, this field must contain the Merchant’s primary place of business or country of incorporation.


For single Telephone Service Transactions, this field must contain the name of the country where the telephone is located.


For multiple Telephone Service Transactions charged back in a single Chargeback record, this field must contain the country of the Transaction with the earliest Endorsement Date (see Acquirer Reference Number in this Exhibit).


The Chargeback or Representment record must include the Merchant country as shown in the original Presentment.

Electronic Commerce Transactions

For an Electronic Commerce Transaction, the Merchant country code must be that of the Sponsored Merchant.




Merchant Category

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

Usage Code

This field must contain the appropriate value listed in Table A-9 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.

Table A-8 Merchant State or Province

Description This field must contain the name of the state in Visa U.S.A. or province in Visa Canada where the Transaction occurred.

Abbreviations The Member must use the standard state or province abbreviations that appear in the VisaNet Manuals.


For multiple Telephone Service Transactions charged back in a single 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).


The Chargeback or Representment record must include the Merchant state or province as shown in the original Presentment.


For single Telephone Service Transactions, this field must contain the name of the state or province where the telephone is located.

Table A-9 Processing Cycle Usage Codes

Usage Code Transaction Processing Cycle

1 Presentment

1 Chargeback

2 Representment




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.


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




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 transferA 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.

Special Condition Indicators

This two position field must contain the appropriate risk identification indicator (Table A-13) in the first position and Merchant Transaction indicator (Table A-14) in the second position.

Table A-12 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

Table A-13 Risk Identification (first position)

Indicator Description

(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-14 Merchant Transaction Indicator (second position)


(Blank) None of the specified conditions is present

L Hotel




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.

D 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.)

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 Limit

8 Quasi-Cash/Online Gambling Transaction, as specified in Visa Europe Operating Regulations, Volume I—General Rules, Section 5.4.M

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 not relevant 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.

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





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 approved protocol, 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.

8 Non-Secure Transaction Identifies an Electronic Commerce Transaction that has no data protection.(This value is not valid for Visa Europe Transactions.)

9 For optional Regional use only Identifies a Non-Authenticated Security Transaction conducted at a secure Electronic Transaction capable Merchant located outside the U.S.A.(This value is not valid for Visa Europe Transactions or Transactions that originate in the U.S.A.)

Table A-16 POS Environment Field Values

Value Unattended Acceptance Terminal Type Usage

R Recurring Transaction1

1. This value is not mandatory for Visa U.S.A.

Identifies multiple Transactions, such as periodic membership fees or subscriptions that:Occur at predetermined intervals that do not exceed one year between TransactionsRepresent an agreement between a Cardholder and a Merchant to purchase goods or services over a period of time

Table A-15 Mail/Phone Order or Electronic Commerce Values (Continued)




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 RequirementsTo qualify for the Airline Interchange Reimbursement Fee for Visa Europe Transactions all Airline Transactions that are Visa Europe Transactions must incorporate both the following in the Clearing Record:

Airline Ticket Identifier; and Passenger Itinerary Data, see Table A-18, or miscellaneous charge data, see Table A-19

NOTE: Passenger Itinerary Data is the complete TCR3.

TCR3 Record Requirements are not mandatory for Airline Transactions and if they are not provided, the standard Reimbursement rate for Visa Europe Transactions will apply.

Table A-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 AEffective from 15 October 2011, Transaction at an Unattended Acceptance Terminal that is below the Floor Limit

2 Effective until 14 October 2011, terminal that performs Cardholder-Activated Transactions (CAT) Type C (Automated Dispensing Machine)Effective from 15 October 2011, Chip-initiated Transaction with PIN Verification at an Unattended Acceptance Terminal

3 Effective until 14 October 2011, terminal that performs Cardholder-Activated Transactions (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 Code




Miscellaneous Charge DataFor 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 serviceA space for the stop-over code“Y” (default) for the class of service codeThe appropriate itinerary data code to describe the type of miscellaneous sale, as specified in Table A-19.

56-62 7 Group Trip Leg 1 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

Exhibit 2M Visa Europe Clearing and Settlement Record RequirementsThis 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




Acquirer Reference Number

This field must contain the 23-digit identification number assigned to the record in the first Presentment, and must be included in the Clearing Record for each Transaction processing cycle. The Acquirer Reference Number consists of the following:

Position 1: Format codePosition 2-7: BINPosition 8-11: Endorsement Date (YDDD)Position 12-22: Film Locator numberPosition 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 the Acquirer for the Chargeback




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 25 Roman alphabet characters.

Multiple Merchant Outlets Merchants with multiple Merchant Outlets in a city must individually identify the location of a Transaction. This field must also contain one of the following:

• Store number

• Street number

• Other unique identifier

The number or unique identifier must follow the Merchant name.Each Region will establish an implementation date for this requirement.

No-Show Transactions For No-Show Transactions, this field may also include the words “NO SHOW.”

Cash Disbursements For Cash Disbursements made by a Cash Disbursement Merchant, this field must also include the word “CASH.”

Sale of Cheques or Foreign Currency

For a Manual Cash Disbursement representing the sale of travelers cheques or Foreign Currency by a Merchant, this field must also include either of the following abbreviations:

• “TRAV FUNDS”

• “TRCH-CURR”

A Merchant’s sale of travelers cheques or Foreign Currency must be processed as either a Cash Disbursement or a Quasi-Cash Transaction.

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



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 appropriate instalment descriptor (such as 1 of 5).


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.




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.


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


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 field must contain both:

• “BASE EXCHANGE,” “B EX,” “EMBASSY,” “CONSULATE,” or a similar description

• Name of the embassy, consulate or military base

Airline Ticket Transactions The abbreviated Airline name as specified in Visa Europe Operating Regulations, Volume 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:



Recurring Transactions For Recurring Transactions, this field must contain Merchant name and other contact details that enable the Cardholder to contact the Merchant directly.


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-23 Merchant Name (Continued)




Merchant City

Merchant Country

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 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.”


For an In-Transit Service Transaction, this field must contain the Merchant’s customer service telephone number and country.


For single Telephone Service Transactions, this field must contain the name of the city where the telephone is located.


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 contact details that enable the Cardholder to contact the Merchant directly.


The Chargeback or Representment record must include the Merchant city as shown in the original Presentment.

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-25 Merchant Country

Definition This field contains the name of the Transaction Country.

Abbreviations The first two positions of this field must contain the appropriate standard country abbreviation that appears in the Visa Europe System Manuals. The third position must contain a space.


For an In-Transit Service Transaction, this field must contain the Merchant’s primary place of business or country of incorporation.


For single Telephone Service Transactions, this field must contain the name of the country where the telephone is located.


For multiple Telephone Service Transactions charged back in a single Chargeback record, this field must contain the country of the Transaction with the earliest Endorsement Date (see Acquirer Reference Number in this exhibit).


The Chargeback or Representment record must include the Merchant country as shown in the original Presentment.

Electronic Commerce Transactions

For an Electronic Commerce Transaction, the Merchant country code must be that of the Sponsored Merchant.




Merchant Category

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

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.

Table A-26 Merchant State or Province

Description This field must contain the name of the state in Visa U.S.A. or province in Visa Canada where the Transaction occurred.

Abbreviations The Member must use the standard state or province abbreviations that appear in the Visa Europe System Manuals.


For multiple Telephone Service Transactions charged back in a single 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).


The Chargeback or Representment record must include the Merchant state or province as shown in the original Presentment.


For single Telephone Service Transactions, this field must contain the name of the state or province where the telephone is located.

Table A-27 Processing Cycle Usage Codes

Usage Code Transaction Processing Cycle

1 Presentment

1 Chargeback

2 Representment




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.


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-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.)

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




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 transferA Chargeback and Representment


For a Chargeback and Representment message, see Volume II—Dispute Resolution Rules, under each reason code.

Special Condition Indicators

This two position field must contain the appropriate risk identification indicator (Table A-31) in the first position and Merchant Transaction indicator (Table A-32) in the second position.

Table A-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

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




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.

D 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.)

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 Limit

8 Quasi-Cash/Online Gambling Transaction, as specified in Visa Europe Operating Regulations, Volume I—General Rules, Section 5.4.M

Table A-33 Mail/Phone Order or Electronic Commerce Values


(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, 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.

4 Unknown classification/other mail order Indicates that the type of mail/telephone order is unknown.

Table A-32 Merchant Transaction Indicator (second position) (Continued)





Unattended Acceptance Terminal Indicator

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.

5 Secure Electronic Commerce Transaction Indicates that the Electronic Commerce Transaction has been authenticated using an approved protocol, such as 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

Table A-34 Unattended Acceptance Terminal Indicator

Value Unattended Acceptance Terminal Type

Space Not applicable to this Transaction


2 Effective until 14 October 2011, terminal that performs Cardholder-Activated Transactions (CAT) Type C (Automated Dispensing Machine)Effective from 15 October 2011, Chip-initiated Transaction with PIN Verification at an Unattended Acceptance Terminal

3 Effective until 14 October 2011, terminal that performs Cardholder-Activated Transactions (CAT) Type BEffective from 15 October 2011, Transaction at an Unattended Acceptance Terminal that requires Authorization

4 Remote Indicator

Table A-33 Mail/Phone Order or Electronic Commerce Values (Continued)





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 RequirementsTo qualify for the Airline Interchange Reimbursement Fee for Visa Europe Transactions all Airline Transactions that are Visa Europe Transactions must incorporate both the following in the Clearing Record:

Airline Ticket Identifier; andPassenger Itinerary Data, see Table A-35, or miscellaneous charge data, see Table A-36

NOTE: Passenger Itinerary Data is the complete TCR3.

TCR3 Record Requirements are not mandatory for Airline Transactions and if they are not provided, the standard Reimbursement rate for Visa Europe Transactions will apply.

Table A-35 TCR3 Airline Transaction Record Data Requirements

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


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





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





Miscellaneous Charge DataFor 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 serviceA space for the stop-over code“Y” (default) for the class of service codeThe appropriate itinerary data code to describe the type of miscellaneous sale, as specified in Table A-36.

Table A-36 Miscellaneous Charge Data

Origination City/Pair Destination City/Pair

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



DISPUTE RESOLUTION Exhibit 2N

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 the Visa Europe Arbitration Committee. Please indicate your decision below and reply to this Pre-Arbitration attempt. If you have any questions, feel free to contact us directly.

Prepared by (Requester): Telephone Number:

Fax Number: E-mail (Optional):

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

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

Prepared by (Requester): Telephone Number:

Fax Number: E-mail (Optional):

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

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 of Transaction, Cardholder dispute details, Chargeback and Presentment 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

AUTHORIZATION

AUTHORIZATION

Exhibit 3A Required Message Content for VisaNet Financial Transactions . . . . . . . . . . A - 55Exhibit 3B Required Message Content for VisaNet Authorization Requests . . . . . . . . . A - 63Exhibit 3C Required Message Content for Visa Europe Systems Financial

Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 75Exhibit 3D Required Message Content for Visa Europe Systems Authorization

Requests . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 83Exhibit 3E Certification of Special Authorization Representment Amount . . . . . . . . . . A - 95



AUTHORIZATION Exhibit 3A

Exhibit 3A Required Message Content for VisaNet Financial Transactions

Message content for Financial Transactions using Single Message System formats.

Members must be able to provide or recognise the following information when submitting or receiving financial messages through the Single Message System. The message format and content must comply with the specifications in the VisaNet Manuals.

This exhibit does not apply to the Visa Europe Authorization Service, please refer to Required Message Content for Visa Europe Systems Financial Transactions (Exhibit 3C) for more information.

Message Type Indicator

The four digit code used to identify a financial message. The values are:

Message Type Indicator Description

0200 Original Financial TransactionMerchandise CreditAccount TransferBalance Inquiry

0220 RepresentmentAdjustment/Good Faith CollectionAcquirer Fee Collection/Funds Disbursement

0420 Reversal

0422 ChargebackIssuer Fee Collection/Funds Disbursement

Account Number Field 2

Account Number of up to 19 digits.

Processing Code Field 3

A six digit code used to identify the Transaction type (positions 1 and 2) and, if applicable, the type of account affected (positions 3-6).

Positions 1 and 2

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




Processing Code Field 3 (continued)

Positions 3 and 4

Value Description

00 Account not specified

10 Savings Account

20 Checking Account

30 Credit Card Account

40 Universal Account (Customer Identification Number)


Positions 5 and 6

Value Description

00 (not applicable)

10 Savings Account

20 Checking Account



Transaction Amount Field 4

The amount of the Transaction. It must be expressed as a 12-digit field with the amount right-justified and without a decimal.

Example: £73.49 = 000000007349£4,962.50 = 000000496250

Settlement Amount Field 5

The Transaction Amount in the Settlement Currency.

Cardholder Billing Amount Field 6

The Transaction Amount in the Cardholder billing currency.

Transmission Date and Time Field 7

The date and time in GMT. It must be expressed in “MMDDhhmmss” format with a leading zero for any month, day or time that is represented by one digit.Example:October 9 at 9:38.06 AM = 1009093806

Systems Trace Audit Number Field 11

A six digit number that uniquely identifies a Transaction and all the messages it includes according to individual program rules.

Transaction Time Field 12

The local time of the Transaction. It must be expressed in the format “hhmmss,” with a leading zero for any time that is represented by one digit.




Transaction Date Field 13

The month and day when a Transaction occurs at the Card acceptor location. It must be expressed in “MMDD” format with a leading zero for any month or day that is represented by one digit.

Settlement Date Field 15

The date when the Transaction is settled.

Merchant Type Field 18

A four digit code identifying the type of business conducted by the Merchant (that is, the Merchant Category Code). See Volume I—General Rules, Appendix B, “Merchant Data Standards,” for a complete listing.

Acquiring Institution Country Code Field 19

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

POS Entry Mode Code Field 22

A four digit code indicating the type of Point-of-Transaction Terminal used (positions 1 and 2) and the capability of the terminal, if one was used, to capture PINs (position 3). This field is used only when a Point-of-Transaction Terminal is present at the Merchant Outlet.The third position does not indicate that a PIN was entered or that a PIN is included in the message.

Positions 1 and 2

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 Mode Code 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





Position 4

Value Description

0 Unused

POS Condition Code Field 25

A two digit code used to identify conditions at the Point-of-Transaction. The values for the POS condition code are:

Value Description

00 Normal Transaction of this type

01 Cardholder not present

02 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

Acquiring Institution Identification Code Field 32

A code that identifies the acquiring institution.

Retrieval Reference Number Field 37

A number that is used with other data elements to identify and track all messages relating to a specific Transaction. It should be expressed in the format “YDDDnnnnnnnn.” This field must not contain all zeros.

Response Code Field 39

A two digit code that defines the response to a request or the message disposition.

Value Description

00 Approval

01 Referral; call Issuer. This response is invalid for ATM Transactions.

02 Referral; special condition. This response is invalid for ATM Transactions.

03 Invalid Merchant

04 Pick up Card

05 Authorization declined

06 Error




07 Pick up Card; special condition (Response indicates fraudulent use other than lost or stolen Card. Refer to response codes 41 and 43)

11 Approval; VIP (Very Important Person)

12 Invalid Transaction

13 Invalid amount

14 Invalid Account Number

15 No such Issuer

19 Re-enter request

39 No credit account

41 Pick up Card; lost Card (Response indicates fraudulent use.)

43 Pick up Card; stolen Card (Response indicates fraudulent use.)

51 Not sufficient funds

52 No checking account

53 No savings account

54 Expired Card

55 Incorrect PIN

57 Transaction not permitted to Cardholder

61 Exceeds approval amount limit (activity amount limit exceeded)

62 Restricted Card

65 Withdrawal frequency limit exceeded (activity count limit exceeded)

75 Allowable number of PIN attempts exceeded

81 Cryptographic error

82 Incorrect Card Verification Value

84 Time limit for preauthorization exceeded

86 Unable to verify PIN

91 Service unavailable

92 Routing not successful

93 Transaction cannot be completed; violation of law

96 System malfunction

Y1 Offline Approved

Response Code Field 39 (Continued)


Value Description




Y3 Unable to go online (offline approved)

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

Card Acceptor Terminal Identification Field 41

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

Card Acceptor Identification Code Field 42

An alphanumeric code assigned by the Acquirer to identify a Merchant. This field must contain the Card acceptor identification code. Unless provided by different entities, the Card acceptor identification code must be the same alphanumeric code in both the Authorization and Clearing messages.

Card Acceptor Name and Location Field 43

The name and location (city name and country code) of the Card acceptor (such as Merchant, ATM, Branch). For an International Original Credit money transfer this field must contain the sender’s name.

Cardholder Authentication Verification Value Results Code Field 44.13

A code that identifies the outcome of Cardholder Authentication Verification Value validation for 3-D Secure Transactions.

Transaction Currency Code Field 49

A three digit code that identifies the Transaction Currency. The code must always reflect the currency in the Transaction Amount field (field 4). Currency codes may be found in the VisaNet Manuals.

Settlement Currency Code Field 50

A three digit numeric code that identifies the Settlement Currency.

Cardholder Billing Currency Code Field 51

A three digit numeric code that identifies the currency used by the Issuer to bill the Cardholder’s account.

Mail/Telephone or Electronic Commerce Indicator Field 60.8

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

Value Description

05 Secure Electronic Commerce Transaction


07 Non-Authenticated Security Transaction

08 Non-Secure Transaction



Value Description




Network Identification Code Field 63.1

A code that specifies the network to be used for the transmission of the message, which determines the program rules that apply to the Transaction.

Message Reason Code Field 63.3

A code that explains the reason for sending an Acquirer-generated advice, Reversal, Adjustment, Chargeback, Chargeback reversal, Representment, Fee Collection or funds disbursement.


Position 4 is the Electronic Commerce Transaction Indicator. The values are:

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





Reimbursement Attribute Field 63.11

A code that identifies the applicable Interchange Reimbursement Fee for a Transaction.

Original Data Elements Field 90

Information used to link the current message back to prior messages relating to the same Transaction.

Transaction-Specific Data Field 104


Visa Inc./Europe Private-Use Field, VSEC Subfields Field 126

A set of subfields that provide Cardholder and Merchant certificate serial numbers, unique Transaction identifiers, and a secure Cardholder authentication field.

Value Description

126.6 Cardholder Certificate serial number

126.7 Merchant Certificate serial number




126.8 Transaction ID (XID)

126.9 Cardholder Authentication Verification Value (CAVV)

Visa Inc./Europe Private-Use Field, VSEC Subfields Field 126 (Continued)


Value Description



AUTHORIZATION Exhibit 3B

Exhibit 3B Required Message Content for VisaNet Authorization Requests

Required data for Authorization Requests and Authorization Responses for Members using the V.I.P.System Authorization Message formats

When requesting an Authorization or receiving an Authorization Response from an Issuer, an Acquirer must provide and recognise the following information. The message format and content must comply with the specifications in the VisaNet Manuals.

NOTE: This exhibit does not apply to the Visa Europe Authorization Service, please refer to Required Message Content for Visa Europe Systems Authorization Requests (Exhibit 3D) for more information.

For information concerning Single Message System message elements, see Required Message Content for Visa Europe Systems Financial Transactions (Exhibit 3C) for those using the Visa Europe Authorization Service and the Required Message Content for VisaNet Authorization Requests (Exhibit 3A) for those using the V.I.P. System.


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




A six digit code used to identify the Transaction type (positions 1 and 2) and, if 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





Positions 3 and 4

Value Description


10 Savings Account

20 Checking Account




Positions 5 and 6

Value Description

00 Not applicable

10 Savings Account

20 Checking Account





Examples:€73.49 = 000000007349£4,962.50 = 000000496250






Expiry Date Field 14

The four digits identifying the year and month that the Card expires. It must be expressed in the format “YYMM” with a leading zero for any month or year that is represented by one digit. Examples:April 1994 = 9404 June 2000 = 0006

The expiry date field must be excluded for:

• Transactions where the true expiry date is unknown

• All Transactions except Mail/Phone Order Transactions, Recurring Transactions and PIN-related Transactions, when the Transaction Receipt does not contain either a:

- Card Imprint

- Signature

• Mail/Phone Order Transactions and Recurring Transactions, if the expiry date is unavailable. (The Merchant must attempt to obtain the expiry date.)

• All Transactions initiated at a Point-of-Transaction Terminal with an unexpired Card, if the terminal cannot capture the expiry date

The expiry date field must be excluded for the previous conditions. This will result in an “Authorization declined (05)” Response.

For Mail/Phone Order Transactions and Recurring Transactions, the Issuer may allow Stand-In Processing to authorize Transactions when no expiry date is available or specify a Decline Response for this condition.

Merchant Category Code (MCC) Field 18

A four digit code identifying the type of business conducted by the Merchant. Required field for all requests. See Appendix B, “Merchant Data Standards” for a complete listing.







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 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 an online PIN was entered or that an online PIN 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 iCVV checking is possible

Indicates that the account information was obtained from the Chip on the Card and that CVV or iCVV checking is possible.

07 Proximity Payment using VSDC Chip rules

Indicates that the account information 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.

91 Proximity Payment using 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 checking is possible.


Indicates that the Magnetic-Stripe Data may be unreliable and that accurate CVV or iCVV processing may not be possible.




POS Entry Mode Code Field 22 (Continued)

Position 3


0 Unknown Indicates that the online PIN capability of the 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

Indicates that the Point-of-Transaction Terminal cannot accept and forward an online PIN.

8 Terminal PIN pad is down Indicates that the Point-of-Transaction Terminal can accept and forward an 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 Mode Code Field 22 (Continued)

Position 4


0 Unused Not used for Transactions using a Visa Card or a Visa Electron Card.


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:



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).


Indicates that the Transaction may be occurring on a Card that is lost, stolen or counterfeit.





Indicates that the Cardholder is present at the Merchant Outlet, but the Card is not present.Under these circumstances, the Cardholder has given the Merchant the Card data, which is maintained on file for billing purposes, that is, a Transaction at an Automated Fuel Dispenser, toll road or toll bridge that is initiated with a Merchant-proprietary proximity device.

08 Mail/Phone Order Transaction/Recurring Transaction

Indicates that the Transaction originated 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

Indicates that the Transaction originated 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 Code Field 25 (Continued)






Authorization Code Field 38

A code assigned by the Issuer or its Authorizing Processor if the Authorization Request is approved. (If a Transaction is authorized through the V.I.P. System, the first five digits of the Authorization code or “0000Y” must appear in the Visa System record. See Volume I—General Rules, Section 6.2.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 and Transactions at an Unattended Acceptance Terminal, an Authorizing Processor may convert an 01 Response to an 05 Response.

02 Referral; special condition (See Response code 01.)

03 Invalid Merchant/service provider

04 Pick up Card


06 Error

07 Pick up Card; special condition (Response 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









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







The name and location (city name and country code) of the Card acceptor (such as 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


A three digit code that identifies the Transaction Currency. The code in this field must always reflect the currency in the Transaction Amount field (Field 4). Valid currency codes may be found in the VisaNet Manuals.

Cardholder Billing Currency Field 51

A three digit code that identifies the currency used by the Issuer to bill the Cardholder’s account. Valid codes may be found in the VisaNet Manuals.



Value Description




Additional POS Information Field 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.


Effective until 14 October 2011, indicates an 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 performs Cardholder-Activated Transaction (CAT) Type C (ATM)Effective from 15 October 2011, Chip-initiated Transaction with PIN Verification at an Unattended Acceptance Terminal

Indicates that the Transaction occurred at an ATM.

3 Effective until 14 October 2011, terminal that performs Cardholder-Activated Transactions (CAT) Types B and CEffective from 15 October 2011, Transaction at an Unattended Acceptance 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 Verification performed

• CAT Type C, which is a Transaction that takes place at an Unattended 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 the Cardholder.

8 Reserved Do not use. Not a valid value.

Additional POS Information Field 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 POS Information Field 60 (Continued)


Position 1 - terminal type (Continued)





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 Magnetic Stripe on the Card.


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.


Indicates that the Electronic Commerce Transaction has been authenticated using a approved protocol, such as 3-D Secure.


Identifies an Electronic Commerce Transaction where the Merchant attempted to authenticate the 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.


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.


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.)




Position 2 - terminal entry capability (Continued)





Visa Private-Use Field, VSEC Subfields 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

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 TransactionMerchandise CreditAccount TransferBalance Inquiry

0220 RepresentmentAdjustment/Good Faith CollectionAcquirer Fee Collection/Funds Disbursement

0420 Reversal

0422 ChargebackIssuer Fee Collection/Funds Disbursement





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





30 Balance Inquiry



Positions 3 and 4

Value Description


10 Savings Account

20 Checking Account




Positions 5 and 6

Value Description

00 Not applicable

10 Savings Account

20 Checking Account





Examples:€73.49 = 000000007349£4,962.50 = 000000496250

Settlement Amount Field 5

The Transaction Amount in the Settlement Currency.

Cardholder Billing Amount Field 6

The Transaction Amount in the Cardholder billing currency.



Processing Code Field 3 (Continued)


Positions 1 and 2 (Continued)

Value Description




Systems Trace Audit Number Field 11

A six digit number that uniquely identifies a Transaction and all the messages it includes according to individual program rules.

Transaction Time Field 12

The local time of the Transaction. It must be expressed in the format “hhmmss,” with a leading zero for any time that is represented by one digit.

Transaction Date Field 13

The month and day when a Transaction occurs at the Card acceptor location. It must be expressed in “MMDD” format with a leading zero for any month or day that is represented by one digit.

Settlement Date Field 15

The date when the Transaction is settled.

Merchant Type Field 18

A four digit code identifying the type of business conducted by the Merchant (that is, the Merchant Category Code). See Appendix B, “Merchant Data Standards,” for a complete listing.




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)






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


A two digit code used to identify conditions at the Point-of-Transaction. The values for the POS condition code are:

Value Description


01 Cardholder not present

02 Unattended Acceptance Terminal



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.






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 (Response indicates 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






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)





81 Cryptographic error


85 No reason to decline a request for address verification or CVV2 verification


91 Service unavailable

92 Routing not successful



Y1 Offline Approved

Y3 Unable to go online (offline approved)


Card Acceptor Terminal Identification Field 41

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




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.

Cardholder Authentication Verification Value Results Code Field 44.13

A code that identifies the outcome of Cardholder Authentication Verification Value validation for 3-D Secure Transactions.


A three digit code that identifies the Transaction Currency. The code must always reflect the currency in the Transaction Amount field (field 4). Currency codes may be found in the Visa Europe System Manuals.

Settlement Currency Code Field 50

A three digit numeric code that identifies the Settlement Currency.

Cardholder Billing Currency Code Field 51

A three digit numeric code that identifies the currency used by the Issuer to bill the Cardholder’s account.



Value Description





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


A code that specifies the network to be used for the transmission of the message, which determines the program rules that apply to the Transaction.

Message Reason Code Field 63.3

A code that explains the reason for sending an Acquirer-generated advice, Reversal, Adjustment, Chargeback, Chargeback reversal, Representment, Fee Collection or funds disbursement.



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








Reimbursement Attribute Field 63.11

A code that identifies the applicable Interchange Reimbursement Fee for a Transaction.

Original Data Elements Field 90

Information used to link the current message back to prior messages relating to the same Transaction.

Transaction-Specific Data Field 104


Visa Inc./Europe Private-Use Field, VSEC Subfields Field 126


Value Description

126.6 Cardholder Certificate serial number

126.7 Merchant Certificate serial number

126.8 Transaction ID (XID)

126.9 Cardholder Authentication Verification Value (CAVV)

Mail/Telephone or Electronic Commerce Indicator Field 63.6 (Continued)


Value Description



AUTHORIZATION Exhibit 3D

Exhibit 3D Required Message Content for Visa Europe Systems Authorization Requests

Required data for Authorization Requests and Authorization Responses for Members using the Visa Europe Authorization Service Authorization Message formats

When requesting an Authorization or receiving an Authorization Response from an Issuer, an Acquirer must provide and recognise the following information. The message format and content must comply with the specifications in the Visa Europe System Manuals.

NOTE: This exhibit does not apply to the V.I.P System, please refer to Required Message Content for VisaNet Authorization Requests (Exhibit 3B) for more information.

For information concerning Single Message System message elements, see Required Message Content for Visa Europe Systems Financial Transactions (Exhibit 3C) for those using the Visa Europe Authorization Service and the Required Message Content for VisaNet Authorization Requests (Exhibit 3A) for those using the V.I.P. System.


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




A six digit code used to identify the Transaction type (positions 1 and 2) and, if 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






Positions 3 and 4

Value Description


10 Savings Account

20 Checking Account




Positions 5 and 6

Value Description

00 Not applicable

10 Savings Account

20 Checking Account





Examples:€73.49 = 000000007349£4,962.50 = 000000496250


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

System Trace Audit Number Field 11

A six digit number assigned by the message initiator that uniquely identifies a Transaction made by a Cardholder and all the messages it includes according to individual program rules.




Expiry Date Field 14

The four digits identifying the year and month that the Card expires. It must be expressed in the format “YYMM” with a leading zero for any month or year that is represented by one digit.Examples:April 1994 = 9404 June 2000 = 0006

The expiry date field must be excluded for:

• Transactions where the true expiry date is unknown

• All Transactions except Mail/Phone Order Transactions, Recurring Transactions and PIN-related Transactions, when the Transaction Receipt does not contain either a:

- Card Imprint

- Signature

• Mail/Phone Order Transactions and Recurring Transactions, if the expiry date is unavailable. (The Merchant must attempt to obtain the expiry date.)

• All Transactions initiated at a Point-of-Transaction Terminal with an unexpired Card, if the terminal cannot capture the expiry date

The expiry date field must be excluded for the previous conditions. This will result in an “Authorization declined (05)” Response.

For Mail/Phone Order Transactions and Recurring Transactions, the Issuer may allow Stand-In Processing to authorize Transactions when no expiry date is available or specify a Decline Response for this condition.

Merchant Category Code (MCC) Field 18

A four digit code identifying the type of business conducted by the Merchant. Required field for all requests. See Appendix B, “Merchant Data Standards” for a complete listing.


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





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 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 an online PIN was entered or that an online PIN 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

Indicates that the Magnetic-Stripe Data may be unreliable and that accurate CVV processing may not be possible.

05 Integrated circuit card read; CVV or iCVV checking is possible

Indicates that the account information was obtained from the Chip on the Card and that CVV or iCVV checking is possible.

07 Proximity Payment using VSDC Chip rules

Indicates that the account information 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.

91 Proximity Payment using 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 checking is possible.


Indicates that the Magnetic-Stripe Data may be unreliable and that accurate CVV or iCVV processing may not be possible.





Position 3


0 Unknown Indicates that the online PIN capability of the 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

Indicates that the Point-of-Transaction Terminal cannot accept and forward an online PIN.

8 Terminal PIN pad is down Indicates that the Point-of-Transaction Terminal can accept and forward an 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.


Position 4


0 Unused Not used for Transactions using a Visa Card or a Visa Electron Card.





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

Indicates that the Transaction originated in the Unattended Environment (Card and Cardholder present).


Indicates that the Transaction may be occurring on a Card that is lost, stolen or counterfeit.





Indicates that the Cardholder is present at the Merchant Outlet, but the Card is not present.Under these circumstances, the Cardholder has given the Merchant the Card data, which is maintained on file for billing purposes, that is, a Transaction at an Automated Fuel Dispenser, toll road or toll bridge that is initiated with a Merchant-proprietary proximity device.

06 Completion Advice Preauthorization completion advices must always contain 06

08 Mail/Phone Order Transaction/ Recurring Transaction

Indicates that the Transaction originated 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

Indicates that the Transaction originated 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 Code Field 25 (Continued)






Authorization Code Field 38

A code assigned by the Issuer or its Authorizing Processor if the Authorization Request is approved. (If a Transaction is authorized through the Visa Europe Authorization Service, the first five digits of the Authorization code or “0000Y” must appear in the Visa System record. See Volume I—General Rules, Section 6.2.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

07 Pick up Card; special condition (Response 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









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







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


A three digit code that identifies the Transaction Currency. The code in this field must always reflect the currency in the Transaction Amount field (Field 4). Valid currency codes may be found in the Visa Europe System Manuals.

Cardholder Billing Currency Field 51

A three digit code that identifies the currency used by the Issuer to bill the Cardholder’s account. Valid codes may be found in the Visa Europe System Manuals.


A two digit field indicating the Response to the Authorization Request. The values for the Response code are:

Value Description






Position 1 - terminal type


0 Unspecified Indicates that the type of Point-of-Transaction Terminal is not specified.

1 Effective until 14 October 2011, Terminal that performs Cardholder-Activated Transactions (CAT) Type AEffective from 15 October 2011, Transaction at an Unattended Acceptance Terminal that is below the Floor Limit

Effective until 14 October 2011, Indicates an Unattended Acceptance Terminal that performs a CAT Type A Transaction, which has all of the following characteristics:

• 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 performs Cardholder-Activated Transaction (CAT) Type C (ATM)Effective from 15 October 2011, Chip-initiated Transaction with PIN Verification at an Unattended Acceptance Terminal

Indicates that the Transaction occurred at an ATM.

3 Effective until 14 October 2011, Terminal that performs Cardholder-Activated Transactions (CAT) Types B and CEffective from 15 October 2011, Transaction at an Unattended Acceptance 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 Verification performed

• CAT Type C, which is a Transaction that takes place at an Unattended 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 terminal used by a Merchant to obtain the Card data that is subsequently transmitted to the Acquirer, Issuer or Visa Europe via a telephone line.This value applies only to a Card-Present Environment Transaction and does not indicate a telephone operated by the Cardholder.

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 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.



Position 1 - terminal type (Continued)





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 Magnetic Stripe on the Card.


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.

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 or goods or services that is billed to the account in multiple charges over a period of time agreed upon by the Cardholder and Merchant.

04 Unknown classification/other mail order

Use to indicate that the type of Mail /Phone order is unknown


Indicates that the Electronic Commerce Transaction has been authenticated using a approved protocol, such as 3-D Secure.


Identifies an Electronic Commerce Transaction where the Merchant attempted to authenticate the 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.


Position 2 - terminal entry capability (Continued)






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.


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.(This value is not valid for Visa Europe Transactions or Transactions that originate in the U.S.A.)


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.



Visa Private-Use Field, VSEC Subfields 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


Position 9 and 10 - Mail/Phone Order Transaction or Electronic Commerce Transaction Indicators (Continued)




AUTHORIZATION Exhibit 3E

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, must substantiate this information.

AUTHORIZATIONS OBTAINED

Date Amount

Isssuer's

Authorization

Code

Date Amount

Isssuer's

Authorization

Code

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 the Merchant's Guest Folio and/or Transaction Receipt or Substitute Transaction Receipt, as appropriate for the Cardholder, must also be attached to this form. Both must accompany the Dispute Resolution Form (Exhibit 2E).



BIN

BINExhibit 4A BIN License Agreement Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 97Exhibit 4A BIN License Agreement Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 101Exhibit 4B Change of BIN Licensee / User Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 105Exhibit 4B Change of BIN Licensee /User Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 107Exhibit 4D Member Portfolio Sale Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 109Exhibit 4E Release of BIN Form — Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 110Exhibit 4E Release of BIN Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 112Exhibit 4F Visa Interchange Directory Update Form — Instructions . . . . . . . . . . . . . . . . A - 114Exhibit 4F Visa Interchange Directory Update Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A - 118Exhibit 4G Global Customer Assistance Services (GCAS) Card Issuer

Information Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 124Exhibit 4I Stand-In Emergency Services Processing Form . . . . . . . . . . . . . . . . . . . . . . . . .A - 125Exhibit 4J Emergency Service Location Form VISA 911 . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 126



BIN Exhibit 4A

Exhibit 4A BIN License Agreement InstructionsMembers 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.

Table A-37 Type of Request

Establish new BIN The institution requires a unique BIN for a new product and or program.

Modify existing BIN or account range

The institution will use an existing BIN or account range to convert to a new product or program.Please state what product or program the institution is converting to and from (for example, convert a BIN from credit to debit, or convert a BIN account range from Classic to Gold) and the designated account range(s) for each product.

Establish shared relationship

The institution will use a BIN that is already licensed to a different institution, but where that institution belongs to the same banking group of BIN licensee and is sponsored for Visa Europe Membership within such banking group, and such sponsorship is within the same country. A BIN, or an account range of a BIN, will be used by the institution to either issue Cards, acquire Merchant Transactions, or both.

Establish new BIN with multiple products

The institution requires a new BIN for a program of multiple products.There are restrictions to the product types that may be assigned to the same BIN:

• Credit, immediate debit, deferred debit and prepaid must not reside on the same BIN

• Consumer and commercial products must not reside on the same BIN.

Centralised Card Issuance of Visa Corporate Cards and Visa Purchasing Cards to Multinational Companies

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

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

Table A-38 Applicant Data

Business ID The unique eight-digit identifier assigned by Visa Inc to its Customers and Visa Europe to its Members.

Legal Name The legal name of the institution in which you are incorporated. It must be identical to the name in Visa Europe membership records.If your organisation is known locally or nationally by another name, please do not list that name.

Legal Address The legal location of the institution where the institution is incorporated. This must match the address previously supplied to Visa Europe.

Mailing Address Complete if the BIN notification letter should be mailed to an address other than the legal address.

Table A-39 Modify Existing BIN or Existing Account Range

BIN or Account Range The BIN or account range to be modified.

Effective Date of Change The date the change will be effective.

Description of Change A brief explanation of the required changes. This will assist in the proper completion and processing of the form. For example:

• From Credit to Debit

• From Classic to Gold

Table A-40 Establish Shared Relationships

BIN The BIN to be shared as defined under the criteria for sharing. See section 1 above, item “Establish shared relationship”.

Licensee Business ID The Business ID of the licensee of the BIN to be shared.

User Business ID The Business ID of the user with whom that BIN is to be shared

Issuing Account Range For BIN sharing, these digits constitute the 7th through the 9th positions of the Card Account Number. They identify another institution that is financially responsible for the Transactions. In this situation, the six-digit BIN alone does not identify the Issuer that is the creditor of the Cardholder's account.

Acquiring The Merchant signing or Cash Disbursement resulting in the direct or indirect entry of the Transaction Receipt into Interchange.

Table A-41 Centralised Card Issuance of Visa Corporate Cards and Visa Purchasing Cards to Multinational Companies

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.



BIN Exhibit 4A

6. BIN Usage

Select all appropriate activities (Issuing, Acquiring, Processing or other) that will occur on the BIN.

Issuing

Direct contractual relationships with Cardholders for the issuance of Cards.

Country of Use Country in which program is to be issued.

Billing Currency Currency in which an Issuer bills a Cardholder for Transactions.

Table A-42 BIN Usage

Country of Issuance Country in which program is to be issued.

Program (Access Type) CreditA 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.DebitDebit is divided into two sub categories:

• Immediate: A Direct (Immediate) Debit Card is linked to a current (or deposit access) account to which a Transaction is debited immediately (in a maximum of two working days) on receipt of the Transaction by the Issuer.

• Deferred: A Deferred Debit Card is linked to an account whereby the Transactions are accumulated with other transactions on a deferred basis, a statement is issued, and the cardholder is required to pay the outstanding balance in full.

PrepaidA 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 categoryIf you selected Prepaid, you must always indicate the category from the following list:CNCOMMERCIAL-NON RELOADABLECOCOMMERCIAL-RELOADABLEGNCONSUMER GIFT-NON RELOADABLEGICONSUMER GIFT-RELOADABLEPNCORPORATE GIFT-NON RELOADABLEICCORPORATE GIFT-RELOADABLEBNCROSS BORDER-NON RELOADABLECBCROSS BORDER-RELOADABLEGOGENERAL PURPOSE PREPAID-NON RELOADABLEGPGENERAL PURPOSE PREPAID-RELOADABLEGVGOVERNMENT/STATE DISBURSE-RELOADABLEONOTHER PREPAID-NON RELOADABLEOTOTHER PREPAID-RELOADABLEPAPAYROLL-NON RELOADABLEPPPAYROLL-RELOADABLEPLPRIVATE LABEL-NON RELOADABLETNTRAVELMONEY-NON RELOADABLETPTRAVELMONEY-RELOADABLEYOYOUTH-RELOADABLE

Table A-41 Centralised Card Issuance of Visa Corporate Cards and Visa Purchasing Cards to Multinational Companies (Continued)



BIN Exhibit 4A

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

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.

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

Table A-43 Declaration

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.

Group Member The name of the Group Member, if applicable.

Group Member/Cross-border/Shared BIN Licensee 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 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.

Table A-42 BIN Usage (Continued)



BIN Exhibit 4A

Exhibit 4A BIN License Agreement Form

Please complete this form in black ink. One BIN or account range per product per form.

1. TYPE OF REQUEST

Establish new BIN

Modify existing BIN or account range

Establish shared relationship (between partners with an existing Visa sponsorship relationship and a banking group relationship)

Establish new BIN with multiple products

Centralized Card Issuance of Visa Corporate Cards and Visa Purchasing Cards to Multinational Companies

2. APPLICANT DATA (If the institution is a Member of a group, written approval of Group Member is required.)

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 differs from the legal location country, and the BIN is being used for Centralized Card Issuance of Visa Corporate Cards and Visa Purchasing Cards to Multinational Companies, you must complete section 5 of this form: CENTRALIZED CARD ISSUANCE OF VISA CORPORATE

CARDS AND VISA PURCHASING CARDS TO MU.

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

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 TO

MULTINATIONAL COMPANIES

BIN:

Licensee Business ID:

NOTE: BIN licensee must approve the cross-border relationship in the DECLARATION 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 account range.

List the Account Range #: Low:

High:

Consumer: Commercial:

Gold

Classic

Platinum

Infinite

V PAY(immediate debit only)

Electron

Business Corporate Purchasing

Silver

Electron

Gold

Platinum

Silver

Gold

Platinum



BIN Exhibit 4A

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

7. DECLARATION

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

Name of Authorised Signatory:

Signature:

(Print or type)

(Must be an officer of the institution)

Date of Request:

E-mail Address: Telephone Number:

Group Member (if applicable):

For Group/Cross-Border/Shared relationships only:

Group Member/Cross-Border/Shared BIN Licensee Signature:

Telephone Number:E-mail Address:

Date:Title:

Please send the completed form to: [email protected]


Date:

Analyst: Auditor:

Title:

BIN:



BIN Exhibit 4B

Exhibit 4B Change of BIN Licensee / User InstructionsThis 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 UserIndicate 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 ReleaseCheck 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.

Table A-44 Current BIN Licensee/Current Account Range User

Business ID A unique eight digit identifier assigned to all Members by Visa Europe at the corporation or charter level.

Legal Name The legal name of the institution in which you are incorporated or chartered. If your organisation is known locally or nationally by another name, please do not list that name.

Legal Address The location of the institution where the institution is incorporated or chartered.

Table A-45 Confirmation of BIN/Account Range Release

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”.



BIN Exhibit 4B

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.

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.

Table A-46 Consent of BIN Licensee/Proposed BIN Licensee

Business ID A unique eight digit identifier assigned by Visa Europe to all Members at the corporation or charter level.

Legal Name The legal name of the institution in which you are incorporated or chartered. If your organisation is known locally or nationally by another name, please do not list that name.

Legal Address The 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.

Table A-47 Proposed BIN User Data

Business ID A unique eight digit identifier assigned by Visa Europe to all Members at the corporation or charter level.

Legal Name The legal name of the institution in which you are incorporated or chartered. If 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.

Table A-48 Confirmation of Proposed BIN User

Signature The signature must be the original signature of an officer of the institution requesting the change. By signing this form, the institution accepts full responsibility and liability for all Transactions through the Account range.

Table A-45 Confirmation of BIN/Account Range Release (Continued)



BIN Exhibit 4B

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 Group Member 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 the undersigned 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

Change of BIN Licensee / User Form (Continued)

2. CONSENT OF BIN LICENSEE/PROPOSED BIN LICENSEE

Legal Address:

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 ACCEPTANCE Our institution has entered into a written agreement with the Member identified above and wishes to: (check one)

Accept the transfer of the BIN(s) stated above and assume full responsibility and liability for all Transactions through 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 DATA With respect to the BIN(s)/Account Range(s) previously noted, the BIN Licensee hereby consents to the transfer of the Account Range(s) to the proposed BIN User identified within this section.

Business ID:

Legal Name of Proposed BIN User:

Legal Address:

State/Province:City:


CONFIRMATION OF PROPOSED BIN USER Our institution has entered into a written agreement with the Licensee identified within Section 2 and wishes to assume full responsibility and liability for all Transactions through the BIN Account Range(s) identified, effective on the date listed above.


Date:Signature:

E-mail address:Telephone Number:

4. THIS FORM CANNOT BE PROCESSED WITHOUT ORIGINAL AUTHORIZED SIGNATURES

Please send the completed form to Visa Europe.



BIN Exhibit 4D

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 a properly executed Change of BIN Licensee / User Instructions (Exhibit 4B) has been completed and acknowledged by 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

Exhibit 4E Release of BIN Form — InstructionsThis 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 Europe Authorization Service and the V.I.P. System resulting in all Cardholder Authorization Requests being denied. This does not apply to the Visa Europe Clearing and Settlement Service or BASE II nor to the Visa Europe Authorization Service or the V.I.P. System Merchant acquiring traffic. This action will take place 30 calendar days after the last Card expiry date, the last Card used for Merchant Processing, or any other processing. If you do not want this action to occur, please contact Visa Europe.

Acceptance of this release will not result in immediate deletion of the BIN from the Visa System. The BIN is eligible for deletion from the Visa System 180 days after the last Card expiry date, the last date used for Merchant processing, or any other processing. 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 this BIN.

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.

Table A-49 BIN Licensee Data

Business ID The unique eight digit identifier assigned by Visa Europe to all Members at the corporation or charter level.

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).

Table A-50 Confirmation of Registered BIN Licensee

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.

Merger Our institution is merging with another institution. Please list the registered name of the other institutions involved in the merger.



BIN Exhibit 4E

3. Reversal of Previous Release


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.

Table A-51 Reversal of Previous Release

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

Table A-50 Confirmation of Registered BIN Licensee (Continued)



BIN Exhibit 4E

Exhibit 4E Release of BIN Form

Please type or print this form in black ink.

A copy of this form must be sent to your Visa System Processor to advise them of your action regarding the BIN.

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 BINs identified above are not required and will not be used in any manner. Therefore, our institution authorizes Visa Europe to recall the BINs and we understand that the BIN may be reassigned to another Member. The BIN is eligible for deletion from Visa Systems 180 days after the last Card expiry date, the last date used for Merchant processing, or any other processing. Acceptance of this release will not result in the immediate deletion of the BIN from the Visa System. Our institution's liability for the BIN will not cease until the deletion from Visa System occurs.

BINs used for issuing purposes that are placed into recall will be blocked in the Visa Europe Authorization Service and the V.I.P. System resulting in the denial of all Cardholder Authorization Requests. This does not apply to the Visa Europe Clearing and Settlement Service or BASE II, nor to V.I.P. System Merchant acquiring traffic.

BIN used for: (Please check all that apply)

Issuing: Last Card Expiry Date

Acquiring: Last Date used for Merchant Processing

Processing: Last date used for Clearing, Settlement, Request for Copy, Issuer's Clearinghouse, Dispute Resolution,

BIN was never used

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



BIN Exhibit 4E

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 BIN identified above for any purpose. 3. REVERSAL OF PREVIOUS RELEASE

Our institution has determined that the BIN(s) identified above is required. This exhibit rescinds the Release of BIN Form (Exhibit 4E) previously submitted for the above BIN(s).

Name of Officer:

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:



BIN Exhibit 4F

Exhibit 4F Visa Interchange Directory Update Form — InstructionsUse this form to submit changes to the information contained in the Visa Interchange Directory. The Visa Europe Operating Regulations specifies that Members and Processors with BINs must maintain their Visa Interchange Directory listings with current information. All new Members and Processors must complete and submit a Visa Interchange Directory Update Form at least 30 calendar days prior to issuing Cards and/or entering Merchant Deposits into Interchange. The Visa Interchange Directory is published bi-monthly in paper format and monthly in electronic format. All updates received by the Membership department before the cutoff date printed on the cover of the publication will be included in the following edition.

Visa Interchange Directory Update Forms that reflect changes in the BIN Licensee name must be supported by a current Change of BIN Licensee / User Instructions (Exhibit 4B) on file with the membership department. Visa Interchange Directory Update Forms reflecting changes that do not correspond to the current Change of BIN Licensee / User Instructions (Exhibit 4B) on file cannot be processed.

In order to accommodate international calls, all Members are required to provide a direct-dial telephone number for each defined category (such as Authorization, Settlement/Accounting, and so on). Additionally, Visa Europe will not support individual persons’ names to facilitate the maintenance of the information.

The new Visa Interchange Directory has been restructured to identify those third-party organizations that provide back room operations support to Visa Members. A service provider field has been included with each functional contact to identify these institutions. Members that provide their own support services for any given function must put their own 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

Table A-52 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

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.

Table A-53 Authorization

Service Provider/Financial Institution

The name, address, telephone, fax, email, telex number and answerback (if appropriate) of the institution performing Authorization services for this Business ID.

Referral Phone Number Telephone, fax, email, telex number and answerback (if appropriate) for a Referral Response (“call-me”). Acquirers use these numbers in response to “call-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.

Table A-54 Backroom Operations - Cardholder/Issuer Contacts

Copy/Original Contact Name, address, telephone, fax, email, telex number and answerback (if appropriate) of the financial institution or service provider responsible for Cardholder/Issuer-originated Retrieval Requests.

Chargeback Contact Name, address, telephone, fax, email, telex number and answerback (if appropriate) of the financial institution or service provider responsible for Cardholder/Issuer-originated Chargebacks.

Arbitration/Compliance Contact

Name, address, telephone, fax, email, telex number and answerback (if appropriate) of the financial institution or service provider responsible for Cardholder/Issuer-originated pre-Arbitration, Arbitration, pre-Compliance and Compliance cases.

Table A-52 General (Continued)



BIN Exhibit 4F

Backroom Operations - Merchant/Acquiring

Fraud - Lost/Stolen

Good Faith Contact Name, address, telephone, fax, email, telex number and answerback (if appropriate) of the financial institution or service provider responsible for Cardholder/Issuer-originated good faith collection letters. This contact is strictly for items that have no other recourse within the Visa Europe Operating Regulations and is not for Arbitration or Compliance issues.

Good Faith Policy Dollar amount, time limits and handling fees for incoming Cardholder/Issuer good faith collection letters. Indicate whether the Cardholder/Issuer institution will or will not administer a reciprocal policy with other Members.

Table A-55 Backroom Operations - Merchant/Acquiring

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 appropriate) of financial institution or service provider responsible for Merchant/Acquirer-originated Representments.


Name, address, telephone, fax, email, telex number and answerback (if appropriate) of financial institution or service provider responsible for 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 appropriate) of financial institution or service provider responsible for Merchant/Acquirer-originated good faith collection letters. This contact is strictly for items that have no other recourse within the Visa Europe Operating Regulations and is not for Arbitration or Compliance issues.

Good Faith Policy Dollar amount, time limits and handling fees for incoming Merchant/Acquirer good faith collection letters. Indicate whether the Merchant/Acquirer institution will or will not administer a reciprocal policy with other Members.

Table A-56 Fraud - Lost/Stolen

Investigations Contact Name, address, telephone, fax, email, telex number and answerback (if appropriate) of the financial institution or service provider responsible for 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 appropriate) of the financial institution or service provider responsible for fraud operations (such as counterfeit claims, fraud charge-offs, fraud-related Chargebacks, and customer fraud reports).

Lost/Stolen Card Reports Telephone, fax, email, telex number and answerback (if appropriate) of the financial institution or service provider responsible for taking Lost/Stolen Card Reports during normal business hours.

After-Hours Reports Telephone number of the financial institution or service provider responsible for taking Lost/Stolen Card Reports after normal business hours and/or on weekends and business holidays.

Recovered Card/Reward Address

Name, address, telephone, fax, email, telex number and answerback (if appropriate) of the financial institution or service provider responsible for processing rewards for recovered Cards.

Table A-54 Backroom Operations - Cardholder/Issuer Contacts (Continued)



BIN Exhibit 4F

General Business Information

VID/Operations Manager

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.

Table A-57 General Business Information

General Cardholder Phone, Fax, Email, Telex and Answerback

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

General Merchant Phone, Fax, Email, Telex and Answerback

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

Table A-58 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.

Table A-56 Fraud - Lost/Stolen (Continued)



BIN Exhibit 4F

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 QuestionsPhone (direct-dial)

Hours of OperationM-F:

Time Zone:

GMT:SAT:

SUN:

Closed:

SETTLEMENT/ACCOUNTING


Address:





Time Zone:Legal Address:

Business ID:



BIN Exhibit 4F

Visa Interchange Directory Update Form (Continued)

CARDHOLDER/ISSUER CONTACTS


Address:





Chargeback Contact


Address:







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


MERCHANT/ACQUIRER CONTACTS


Address:





Chargeback Contact


Address:





Copy/Original 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


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 Address


Address:





Bank Contact


Address:







BIN Exhibit 4F


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


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

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 and area code, if applicable.


Company Name: Company Name:

Business Hours of Operation:Business Hours of Operation:

Telephone:

CorporateClassicBusiness PlatinumGold/PremierVisa 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, 10461 Mill Run Circle Owings Mills, MD 21117 USA

Phone 410 998 8367 or 410 998 8335, Fax 410 902 8107 E-mail [email protected]

Contact (Title or Dept):



BIN Exhibit 4I

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 STIP Two Corporate Center 10461 Mill Run Circle Owings Mills, MD 21117 USA

Please print or type.



BIN Exhibit 4J

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 Management Two Corporate Center, 10461 Mill Run Circle

Owings Mills, MD 21117 USA Phone 410 998 8367 or 410 998 8335, Fax 410 902 8107 E-mail [email protected]

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 and area code, if applicable. Please indicate the telex answer-back, if applicable.

For telephone and fax numbers, please indicate country code and area 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

LICENSE/AGREEMENT

Exhibit 5A Visa System Letter of Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 128Exhibit 5B Licensed Software and Designated Computers . . . . . . . . . . . . . . . . . . . . . . . . .A - 129



LICENSE/AGREEMENT Exhibit 5A

Exhibit 5A Visa System Letter of Agreement

TO BE OBTAINED FROM ANY NON-MEMBER VISA SYSTEM PROCESSOR OR MERCHANT DESIRING TO USE VISA SYSTEMS OR TO OBTAIN ANY CONFIDENTIAL INFORMATION RELATING TO THOSE SYSTEMS

VISA EUROPE PO Box 39662 London W2 6WH United Kingdom

ATTENTION: Agent Compliance Risk Compliance and Corporate ServicesThe undersigned desires to furnish Authorization and/or processing services to Members of your organisation in connection with their bankcard programs, or to employ Authorization or processing services in connection with its own acceptance of bankcards and other payment instruments. In order to induce you to consent to our use of one or more of the data processing and communication systems which have been developed by you and to furnish us with certain proprietary documents, materials and equipment, we agree as follows:1. Your consent to our use of your systems is subject to our continued compliance with all of the obligations of

Members relating to those systems set forth in the Visa Europe Operating Regulations, manuals, or other written documentation, as amended from time to time.

2. Our use of your systems is subject to any provision of the Visa Europe Operating Regulations, as amended from time to time, limiting your responsibility for performance of and your liability for any personal injury, property damage, or other loss attributable to your systems.

3. We hereby indemnify you and your Members from and against any and all Claims, Liabilities, losses and expenses arising out of any action at any time taken or omitted to be taken by us in connection with the services performed by us on behalf of your Members or employed by us on our own behalf including, but not limited to, Claims, Liabilities, losses and expenses for infringement of trade secrets or property rights of Members or other third parties, as well as for property damage, bodily injury, or both, incurred at our Members’ premises.

4. Your consent to our use of your systems shall terminate, at your option, upon (i) our failure, following 10 days’ written notice thereof, to duly observe or perform any of the agreements undertaken by us hereunder, or (ii) at such time as we no longer are sponsored in writing by a Member of your organisation for the purpose of utilisation of the systems. Upon termination, we will forthwith deliver to you all documents, materials and equipment furnished by you to us, including any copies thereof. We also agree that, notwithstanding such termination, we shall continue to observe the confidential and proprietary nature of the information regarding your systems which you furnished to us and will not copy, disclose, or use such information for ourselves or any other person, firm or organisation, except with your prior written consent.

5. We understand that this letter of agreement supersedes any prior agreement which may exist between the undersigned and you, relating to the use of your systems, and that no change or modification of any of the terms hereof shall be valid unless set forth in a written instrument, executed by you.

_________________________(Visa System Processor)

_________________________(Address)

_________________________(City, Postal Code)

_________________________(Country)

Officer Name__________________________________________ Officer Email_______________________________________Officer Telephone Number: _____________________________ Officer Signature: ___________________________________Date:______________________________________________



LICENSE/AGREEMENT Exhibit 5B

Exhibit 5B Licensed Software and Designated Computers

Licensed Software Machine-Readable Code Provided

Designated Computer

Object Only Object and Source

Visa Resolve Online (VROL)





Exhibit 7A 80-Column Cash Disbursement Transaction Receipt . . . . . . . . . . . . . . . . . . . A - 131Exhibit 7I Electronic Transaction Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 132Exhibit 7J Manual Transaction Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 135Exhibit 7K Electronic Commerce Transaction Receipt . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 138



TRANSACTION RECEIPTS Exhibit 7A

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.

XTRANSACTION CONFIRMED AND DRAFT ACCEPTED

DATE AUTHORIZATION CODE

TOTALCARDHOLDER’S SIGNATURE

XTRANSACTION CONFIRMED AND DRAFT ACCEPTED

DATE AUTHORIZATION CODE

TOTALCARDHOLDER’S SIGNATURE

X

RETAIN THIS COPY FOR STATEMENT VERIFICATION

TRANSACTION CONFIRMED AND DRAFT ACCEPTEDDATE AUTHORIZATION CODE

CASH DISBURSEMENTDRAFT

BRANCH OR MEMBER NO. TELLER PRINTED DIGITS

CITY STATE

IDENTIFICATION

CARDHOLDER’S STREET ADDRESS

AMOUNT

TOTAL

MEM

BER

COPY

CARD

HOLD

ER C

OPY

MER

CHAN

T CO

PY

CARDHOLDER’S SIGNATURE

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





TRANSACTION RECEIPTS Exhibit 7I

Exhibit 7I Electronic Transaction ReceiptThis exhibit specifies the data requirements for Electronic Transaction Receipts.

Table A-59 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 NameorApplication 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-60 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)


Application Preferred NameorApplication 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-61 Data Requirements: 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

Table A-62 Data Requirements: Transaction Receipts

Data Requirements -- Transaction Receipts

Transaction Data Requirements Cardholder-Activated Transaction

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-initiatedTransaction or a Proximity Payment)

Application Preferred NameorApplication Label(if present on the Card, in accordance with the EMVIntegrated Circuit Card Specifications for PaymentSystems, for a Chip-initiated Transaction or aProximity Payment)

Table A-61 Data Requirements: Small Ticket Transaction Receipt (Continued)


Table A-63 Data Requirements: Face-to-Face or Semi-Attended Electronic Purchase or Credit Transaction Receipt for Visa Europe Transactions


Merchant name



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)




Available Balance1

1. For Prepaid Cards only, as specified in Section 4.1.C.15, Section 5.2.B.10.a and Section 5.2.B.10.b.


Application Preferred NameorApplication 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)



TRANSACTION RECEIPTS Exhibit 7J

Exhibit 7J Manual Transaction Receipt This exhibit specifies the data requirements for manual Transaction Receipts.

Table A-64 7J-1, Data Requirements: Manual Transaction Receipt (Retail and Miscellaneous Merchant Types)


Embossed Card data

Merchant name




Transaction Date

Description of goods or services (optional)

Space for Cardholder signature


Transaction type (purchase)

Table A-65 7J-2, Data Requirements: Manual Transaction Receipt (Hotels Only)


Embossed Card data

Hotel name

Hotel city and country (and state/province, if applicable)



Transaction Date



Space for guest check-in date

Space for guest check-out date

Space for room rate

Space for salesperson’s initials

Authorization dates, amounts and approval codes (if applicable)

Table A-66 7J-3, Data Requirements: Guest Folio (Hotels Only)


Embossed Card data

Hotel name

Hotel city and country (and state/province, if applicable)



Transaction Date







Guest check-in date

Guest check-out date

Room rate and 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-67 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)



Table A-68 7J-5, Data Requirements: Manual Credit Transaction Receipt


Embossed Card data

Merchant name

Merchant location (city and country)

Credit amount indicated in Transaction Currency


Table A-66 7J-3, Data Requirements: Guest Folio (Hotels Only) (Continued)





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)



Table A-68 7J-5, Data Requirements: Manual Credit Transaction Receipt (Continued)




TRANSACTION RECEIPTS Exhibit 7K

Exhibit 7K Electronic Commerce Transaction ReceiptThis exhibit specifies the data requirements for Electronic Commerce Transaction Receipts.

Table A-69 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

EMV LIABILITY SHIFTExhibit 8A Visa Europe EMV Liability Shift Flow Diagram . . . . . . . . . . . . . . . . . . . . . . . . A - 140Exhibit 8B Visa Europe EMV Liability Shift Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A - 142



EMV LIABILITY SHIFT Exhibit 8A

Exhibit 8A Visa Europe EMV Liability Shift Flow DiagramThis exhibit comprises a flow diagram that depicts Transaction liability where one or both parties are EMV-Compliant, to aid understanding and allow Members to model the potential impact of the liability shift on their Visa portfolio. The diagram should be used in conjunction with the relevant sections in Chapter 3, "Issuer Requirements", Chapter 4, "Acquirer Requirements" and Chapter 7, "Dispute Resolution".

Exhibit 8B, “Visa Europe EMV Liability Shift Summary” summarises liability for various Transaction types and circumstances.



EMV LIABILITY SHIFT Exhibit 8A

Does DeviceMeet Visa Europe

PIN Reqs

Designated Fraud*

ChipReadingDevice

Yes

Chip Card

Chip Read

PEDPresent

Yes

PINVerified

No

Yes

Yes

Txn AuthBy

Issuer

FallbackIndicator Present

Yes

Yes

AcquirerLiable

No

No

IssuerLiable

IssuerLiable

No

Chip Card

No

No

No

AcquirerLiable

Yes

IssuerLiable

Yes

Counterfeit

Yes

PIN Preferring

CVM

No

Existing RulesApply

No

No

PIN TypeMismatch**

No

YesYes

No

Yes

No

**Where the type of PIN required by the card differs

from the type of PIN supported by the terminal

IssuerLiable

*Currently Counterfeit, Lost, Stolen and Not Received Item, Visa Europe Issuer, Visa

Europe Acquirer

PIN Preferring

CVM

Yes

Below FloorLimit

Online Authorized

with full track2data

No

Yes

IssuerLiable

No

Yes

AcquirerLiable

No

NOTE - in all cases where the Issuer is denoted as liable, transaction liability may transfer from the Issuer to the Acquirer if correct acceptance procedures are not followed or the transaction is not correctly processed to completion in accordance with EMV and VIS

No

Counterfeit

Yes

AcquirerLiable

Yes

PINVerified

IssuerLiable

Yes

PIN Preferring

CVM

No

AcquirerLiable

Yes

IssuerLiable

No

Start



EMV LIABILITY SHIFT Exhibit 8B

Exhibit 8B Visa Europe EMV Liability Shift SummaryTable A-70 Visa Europe EMV Liability Shift Summary

Magnetic Stripe Chip-Signature Preferring Chip PIN Preferring

Counterfeit Lost/Stolen



Magnetic Stripe only Type A Floor Limit N/A Ceiling Limit €40

Issuer Issuer Acquirer Issuer Acquirer Acquirer

Magnetic Stripe only 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

Magnetic Stripe only Type C Floor Limit €0 Ceiling Limit N/A

Issuer Issuer Acquirer Issuer Acquirer Issuer

Chip Type B (offline) Floor Limit N/A Ceiling Limit €401

Issuer Issuer Issuer Issuer Issuer Acquirer

Chip Type B (online capable) Floor Limit €402 Ceiling Limit €100

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



Merchant Data Standards

This appendix contains Merchant Category Codes, Floor Limit category codes, required Merchant name abbreviations and other applicable Merchant Data Standards.

Merchant Category Code AssignmentsAssigned Floor Limit Category CodesMerchant Data Standards, Listed in Alphabetical Order by Merchant TypeMerchant Data Standards, Listed in Numerical Order of MCC

MERCHANT CATEGORY CODE ASSIGNMENTSA 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 code for that Merchant in the “3000” range of codes. If a specific code in the “3000” range is not listed for a Merchant category, the Acquirer must assign the general industry code (such as 4511 for Airlines, 7512 for Car Rental Companies, or 7011 for Hotels).

If a Merchant does not fit under a specific Merchant Category Code, the Acquirer must assign it a general Merchant Category Code, such as 8999.

Because Merchant Category Codes are used for a variety of reporting and risk management purposes, it is critical that the Acquirer correctly codes this information for each Merchant.

T&E ClarificationsA Merchant that manages the sales, rentals or other uses of time-shares or condominiums must be assigned Merchant Category Code 7012. When these Merchants operate as full-service lodging establishments (that is, providing maid and room service) an Acquirer may assign Merchant Category Code 7011.

An Acquirer may process Transactions occurring at a gift shop, restaurant or other establishment located in a Hotel with the Merchant Category Code for the Hotel only if the Merchant bills the Transaction to the 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).


B-115 November 2011


Timeshare TransactionsAn 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 AssignmentsAn 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 insertCatalog 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 servicesCombination Catalog and Retail Merchants (5965)—Goods are sold to consumers via paper or electronic catalog and at one or more retail outlets. Catalog sales must be processed under Merchant Category Code 5965 and all retail sales must be processed under the appropriate retail Merchant Category Code, for which a separate and unique Merchant name and identification number are required.

EXAMPLE: Department stores with catalog subsidiaries or divisions; electronics, sports clothes/equipment, or gourmet food/equipment sold by catalog and in retail storesOutbound 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 servicesInbound 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 quotationsContinuity/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.


15 November 2011B-2


EXAMPLE: Record, tape or compact disc clubs, collectible services, periodicalsOther 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 televisionNot 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 CodesA 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 below.

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


B-315 November 2011


ASSIGNED FLOOR LIMIT CATEGORY CODESA 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 inVisa Europe Operating Regulations, Volume I—General Rules, Section 5.4.T)

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 October 2010

** Effective 15 April 2011

*** Effective 14 October 2011

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


15 November 2011B-4


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 CHINA1 AIR CHINA A 3261

AIR 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

AIR ZAIRE1 AIR ZAIRE A 3151

AIR ZIMBABWE1 AIR ZIMBABWE A 3096

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


MCC


B-515 November 2011


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

AMERICA WEST1 AMERWESTAIR A 3253

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

CHINA AIRLINES1 CHINA AIRLINE A 3078



MCC


15 November 2011B-6


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

HAVASU AIRLINES HAVASU AIR A 3197



MCC


B-715 November 2011


HAWAIIAN AIR1 HAWAIIAN AIR A 3196

IBERIA1 IBERIA A 3102

ICELANDAIR1 ICELANDAIR A 3050

INDIAN AIRLINES1 INDIAN AIR A 3193

IRAN AIR1 IRAN AIR A 3192

ISLAND AIRLINES ISLAND AIR A 3191

JAPAN AIRLINES1 JAL AIRLINE A 3006

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

NEW YORK HELICOPTER NY HELI A 3165



MCC


15 November 2011B-8


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

SWISS INTERNATIONAL AIRLINES1 SWISSINTAIR A 3015



MCC


B-915 November 2011


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 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

Ambulance Services I 4119

Amusement and Recreation Services I 7999



MCC


15 November 2011B-10


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 5971

Artist’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 and Leasing

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

Automotive Tyre Stores I 5532

Awning and Tent Shops I 5998



MCC


B-1115 November 2011


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

Camp Grounds I 7033

Camper Dealers I 5561



MCC




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

HOLIDAY RENT-A-CAR C 3368

INSURANCE RENT-A-CAR C 3429



MCC




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

Cigar Stores and Stands I 5993

Circuses I 7996



MCC




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 and Graphics

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

Computer Software Stores I 5734

Concrete Work Contractors I 1771



MCC




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 Elsewhere Classified

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 4411

D

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

Demolition Services I 1799

Dental Laboratories I 8071



MCC




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 Merchants

J 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 Elsewhere Classified

J 5969

Direct Marketing—Travel-Related Arrangement Services (Excluding Travel Agencies)

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

Electrical Contractors I 1731

Electrical Parts and Equipment I 5065



MCC




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

Foreign Currency—Non-Financial Institutions

O 6051



MCC




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 Supply Stores—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

Gravestones/Monuments— Sales and Installation

I 5999

Grocery Stores I 5411



MCC




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 3617

AMERICINN 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

AUBERGE DES GOVERNEURS D 3549

AUTOGRAPH D 3829**



MCC




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

COMPRI HOTELS D 3688

CONCORDE HOTELS D 3538



MCC




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

FAIRFIELD INN D 3715

FAIRMONT HOTELS D 3590



MCC




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

HOLIDAY INNS D 3501



MCC




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

LADY LUCK HOTEL AND CASINO D 3624



MCC




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 COUNTRY CLUB

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

OMNI HOTELS D 3592



MCC




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

RESIDENCE INNS D 3703



MCC




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

SOUTHERN SUN HOTELS D 3720



MCC




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

W HOTELS D 3779



MCC




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

Liquefied Petroleum Dealers I 5983



MCC




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, Not Elsewhere 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 4214

Motor Home Dealers I 5592

Motor Home Rentals I 7519



MCC




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



MCC




Package Tour Operators— Germany Only (previously TUI Reisebuero)

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 5933

Personal 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, Photo Developing

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 7338

Private Golf Courses I 7997



MCC




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



MCC




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 Elsewhere Classified

I 8299

Seafood Markets I 5499

Seamstresses 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 1761

Shoe 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



MCC




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 and Alterations

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



MCC




Telecommunication Services, Including Local and Long Distance Calls, Credit Card Calls, 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 Elsewhere Classified

I 4789

Travel Agencies and Tour Operators H 4722

Travellers 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



MCC




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

UK Supermarkets—Electronic Hot File (for Regional use only)

I 9751

UK Petrol Stations—Electronic Hot File (for Regional use only)

I 9752

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



MCC




Well Drilling—Contractors I 1799

Wholesale Clubs I 5300

Wig and Toupee Stores I 5698

Wire Transfer—Money Orders O 4829

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



MCC




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 October 2010

** Effective 15 April 2011

*** Effective 14 October 2011

Table B-4 Merchant Data Standards, Listed in Numerical Order by Merchant Category Code

MCC Floor Limit Category 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

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

Table B-4 Merchant Data Standards, Listed in Numerical Order by Merchant Category Code (Continued)






3041 A BALKAN-BULGARIAN AIRLINES BALKAN AIR

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

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

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

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

3192 A IRAN AIR IRAN 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







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 BARHARBORAIR

3240 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







3253 A AMERICA WEST AMERWESTAIR

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

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

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

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

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

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

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

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

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

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

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

3829** 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

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 and Microfilm Equipment

5045 I Computers, Computer Peripheral Equipment 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 Elsewhere Classified

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

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

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 Stores

5712 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 Elsewhere Classified)

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

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 Stores

5946 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 Telemarketing Merchants

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 Elsewhere Classified

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

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 and Service

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 Travellers’ 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

7251 I Shoe Repair Shops, Shoe Shine Parlours and 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 Elsewhere Classified

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

7395 I Photo finishing Laboratories and Photo Developing

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

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

8299 I Schools and Educational Services—Not Elsewhere 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—Not Elsewhere 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 Child Support

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)

9751 I UK Supermarkets—Electronic Hot File (for Regional use only)

9752 I UK Petrol Stations—Electronic Hot File (for Regional use only)

9950 I Intra-Company Purchases







Maximum Authorized Floor Limits

Each Acquirer, at its discretion, assigns Floor Limits for its Merchants. However, certain maximum authorized Floor Limits have been established to minimise as much as possible the amount of risk in Interchange Transactions, described in Visa Europe Operating Regulations, Volume 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.

All of the following must have a Zero Floor Limit: Transactions originating at a Merchant Outlet identified by the Merchant Fraud Performance indicator “1” or “3” in the special condition indicator field of the Clearing Record;ATM Transactions;Cash Disbursement Transactions;Quasi-Cash Transactions;Instalment Transactions; Visa Electron Transactions originating at a Visa Electron Merchant; Effective for Transactions with a Transaction Date up to and including 14 October 2011, Cardholder-Activated Transactions Types B and C—for exceptions, see Floor Limits for Cardholder-Activated Transactions, Types B and C below; Online Financial Transactions; Electronic Commerce Transactions; In-Transit Service Transactions except on Cruise Lines (see Table C-3); Recurring Transactions; Transactions with an Unrecognised Service Code originating at a Point-of-Transaction Terminal with Online capability; Mail/Phone Order Transactions; Transactions where the Card bears the legend “Electronic Use Only”; Transactions where the Chip or Chip-Reading Device is inoperative at a Merchant that accepts Chip Transactions; and Effective from 1 July 2010, 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.


C-115 November 2011


Visa Europe may revise Floor Limits and may establish unique floor limits for specific Merchant Category Codes (MCCs) in specific countries.For countries not listed in this appendix, the maximum authorized Floor Limits are those established as the default Floor Limit shown in Table C-1. Maximum Floor Limits are shown in either the country’s respective currency or US dollars.

Effective on or after 15 October 2011, and unless otherwise specified, the default Floor Limits for Unattended Acceptance Terminals are shown in Table C-2.

Table C-1 Default Floor Limits for All Countries Not Listed (US Dollar)

Merchant Type MCC Non-Chip Floor Limit

Chip Floor Limit

Effective Date

Airlines All 500 500

Railroads All 150 150

Car Rental Companies All 250 250

Hotels All 500 500

Special Hotels All 1,500 1,500

Restaurants All 150 150

Special Restaurants All 500 500

Travel Agencies All 500 500

Hospitals All 500 500

All Other Merchants All 150 150

Cardholder-Activated Transactions Types B & C

All 0 0 Until 14 October 2011

Table C-2 Default Floor Limits for Unattended Acceptance Terminals


Chip Floor Limit

Effective Date

Unattended Acceptance Terminals within the Territory (excluding MCC 4111, 4112, 4131, 4784 and 7523)

0 EUR 40 15 October 2011

Unattended Acceptance Terminals outside the Territory (excluding MCC 4111, 4112, 4131, 4784 and 7523)

0 EUR 40 15 October 2011

Unattended Acceptance Terminals within the Territory

4111 4112 4131 4784 7523

EUR 40 EUR 40 15 October 2011

Unattended Acceptance Terminals outside the Territory

4111 4112 4131 4784 7523

US$ 25 US$ 40 15 October 2011


15 November 2011C-2


Table C-3 Floor Limits for Transactions on Cruise Ships (US Dollar)

Transaction Type Floor Limit

Transportation Type costs 500

Total ancillary charges incurred aboard a ship and settled with the Cruise Line on a combined Transaction Receipt

500

Individual Transaction Receipts for purchases at shops aboard ship 150

Table C-4 ANDORRA (€)


Chip Floor Limit

Effective Date




Hotels All 240 240








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

Table C-5 ANTIGUA (Default Floor Limits)


Chip Floor Limit

Effective Date

Financial Institutions/Merchandise and Services

6012 0 150

All Other Categories Default Floor Limits

Default Floor Limits

Table C-6 ARGENTINA (US Dollar)


Chip Floor Limit

Effective Date

Airlines All 500

Railroads All 300

Car Rental Companies All 250

Hotels All 1,000

Special Hotels All 1,500

Restaurants All 300

Special Restaurants All 500

Travel Agencies All 500


C-315 November 2011


Hospitals All 1,000

Supermarkets/Grocery Stores 5411 0

All Other Merchants All 100


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

Table C-7 AUSTRALIA (Dollar)


Chip Floor Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0

Special Hotels All 0

Restaurants All 0



Hospitals All 0

Business Services, Not Elsewhere Classified

7399 0 10 May 2008

Telecommunications Services 4814 0 23 February 2008

Computer Network/Information Services

4816 0


Dating and Escort Services 7273 0



Table C-8 AUSTRIA (€)


Chip Floor Limit

Effective Date




Hotels All 910 910





Table C-6 ARGENTINA (US Dollar) (Continued)


Chip Floor Limit

Effective Date


15 November 2011C-4






Table C-9 BAHRAIN (Dinar)


Chip Floor Limit

Effective Date

Airlines All 300

Railroads All 56


Hotels All 300


Restaurants All 100



Hospitals All 300




Table C-10 BANGLADESH (Taka)


Chip Floor Limit

Effective Date

Airlines All 15,000

Railroads All 4,000

Car Rental Companies All 6,000

Hotels All 15,000


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-8 AUSTRIA (€) (Continued)


Chip Floor Limit

Effective Date


C-515 November 2011


Table C-11 BELGIUM (€)


Chip Floor Limit

Effective Date


Virgin Express 3188 0 745



Hotels All 620 620









Table C-12 BENIN (CFA Franc)


Chip Floor Limit

Effective Date

Airlines All 200,000

Railroads All 50,000


Hotels All 165,000









Table C-13 BRAZIL (US Dollar)


Chip Floor Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0


15 November 2011C-6




Hospitals All 0




Table C-14 BRUNEI (Dollar)


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-15 BURKINA FASO (CFA Franc)


Chip Floor Limit

Effective Date




Hotels All 165,000





Table C-13 BRAZIL (US Dollar) (Continued)


Chip Floor Limit

Effective Date


C-715 November 2011






Table C-16 CAMBODIA (US Dollar)


Chip Floor Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0



Hospitals All 0









Table C-17 CAMEROON (CFA Franc)


Chip Floor Limit

Effective Date




Hotels All 165,000





Table C-15 BURKINA FASO (CFA Franc) (Continued)


Chip Floor Limit

Effective Date


15 November 2011C-8






Table C-18 CANADA (Dollar)


Chip Floor Limit

Effective Date




Hotels All 300 300

Special Hotels All 500 500





Service Stations 5541 50 50


Business Services--Not Elsewhere Classified

7399 0 0



Grocery Stores/Supermarkets 5411 0 150

Table C-19 CENTRAL AFRICAN REPUBLIC (CFA Franc)


Chip Floor Limit

Effective Date




Hotels All 165,000





Table C-17 CAMEROON (CFA Franc) (Continued)


Chip Floor Limit

Effective Date


C-915 November 2011






Table C-20 CHAD (CFA Franc)


Chip Floor Limit

Effective Date




Hotels All 165,000









Table C-21 CHILE (Default Floor Limit)


Chip Floor Limit

Effective Date


4511 0 Default Floor Limits

23 February 2008

All Other Categories Default Floor Limits

Default Floor Limits

Table C-22 CHINA (Renminbi)


Chip Floor Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0


Table C-19 CENTRAL AFRICAN REPUBLIC (CFA Franc) (Continued)


Chip Floor Limit

Effective Date


15 November 2011C-10



Hospitals All 0


Duty Free Stores 5309 1,650



Table C-23 COLOMBIA (US Dollar)


Chip Floor Limit

Effective Date

The Floor Limit for all Merchant categories is zero

Table C-24 CONGO (CFA Franc)


Chip Floor Limit

Effective Date




Hotels All 165,000









Table C-25 COSTA RICA (Colon)


Chip Floor Limit

Effective Date


Table C-22 CHINA (Renminbi) (Continued)


Chip Floor Limit

Effective Date


C-1115 November 2011


Table C-26 CROATIA (Croatia Kuna)


Chip Floor Limit

Effective Date

Airlines All 2,000

Railroads All 500


Hotels All 3,000





Hospitals All 2,000




Table C-27 CYPRUS (€)


Chip Floor Limit

Effective Date

Airlines All 430 430 1 January 2008

Railroads 4011 115 115 1 January 2008

Car Rental Companies All 260 260 1 January 2008

Hotels All 430 430 1 January 2008

Special Hotels All 1550 1550 1 January 2008

Restaurants 5812 175 175 1 January 2008

Special Restaurants 5812 520 520 1 January 2008

Travel Agencies 4722 430 430 1 January 2008

Hospitals 8062 430 430 1 January 2008

All Other Merchants All 175 175 1 January 2008

Automated Fuel Dispensers 5542 175 1 January 2008


All 0 40 From 1 January 2008until 14 October 2011, see Table C-2

Table C-28 CZECH REPUBLIC (Czech Crown)


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


All 0 1,000 Until 14 October 2011

Unattended Acceptance Terminals (excluding MCC 4111, 4112, 4131, 4784 and 7523)

0 1,000 15 October 2011


4111 4112 4131 4784 7523

1,000 1,000 15 October 2011

Table C-29 DENMARK (Krona)


Chip Floor Limit

Effective Date




Hotels All 3,200 3,200







Music Stores--Musical Instruments, Pianos, and Sheet Music

5733 0 1,400 10 May 2008




0 250 15 October 2011


4111 4112 4131 4784 7523

250 250 15 October 2011

Table C-28 CZECH REPUBLIC (Czech Crown) (Continued)


Chip Floor Limit

Effective Date




Table C-30 DOMINICAN REPUBLIC (Peso)


Chip Floor Limit

Effective Date


Table C-31 ECUADOR (US Dollar)


Chip Floor Limit

Effective Date


Table C-32 EL SALVADOR (US Dollar)


Chip Floor Limit

Effective Date


Table C-33 ESTONIA (€)


Chip Floor Limit

Effective Date


Railroads All 35 35


Hotels All 60 60





Hospitals All 35 35





0 30 15 October 2011


4111 4112 4131 4784 7523

30 30 15 October 2011




Table C-34 FIJI (Dollar)


Chip Floor Limit

Effective Date

Airlines All 800

Railroads All 150


Hotels All 1,145


Restaurants All 300



Hospitals All 1,145




Table C-35 FINLAND (€)


Chip Floor Limit

Effective Date




Hotels All 335 335









Telecommunications Equipment 4812 0 135

Table C-36 FRANCE (€)


Chip Floor Limit

Effective Date


Air France 3007 0 0



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 23 February 2008

Computer Software Stores 5734 0 100 10 May 2008

Florists 5992 130 130

Dance Halls, Studios, and Schools

7911 130 130

Theatrical Productions (except Motion Pictures) and Ticket Agencies

7922 130 130

Membership Clubs 7997 190 190

Amusement and Recreation Services

7999 190 190

Doctors 8011 190 190

Dentists, Orthodontists 8021 190 190

Table C-36 FRANCE (€) (Continued)


Chip Floor Limit

Effective Date




Nursing and Personal Care Facilities

8050 190 190

Dental Laboratories 8071 190 190


8999 130 130




Table C-37 FRENCH POLYNESIA (CFP Franc)


Chip Floor Limit

Effective Date




Hotels All 90,000









Table C-38 GABON (CFA Franc)


Chip Floor Limit

Effective Date




Hotels All 165,000









Table C-36 FRANCE (€) (Continued)


Chip Floor Limit

Effective Date




Table C-39 GERMANY (€)


Chip Floor Limit

Effective Date



4511 0 765 10 May 2008

Alitalia 3013 0 765

Oman Aviation Services 3183 0 765 23 February 2008



Hotels All 615 615






Miscellaneous General Merchandise

5399 0 255 23 February 2008

Telecommunications Services 4814 0 255 23 February 2008


8999 0 255 10 May 2008


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-40 GIBRALTAR (€)


Chip Floor Limit

Effective Date




Hotels All 400 400












Table C-41 GREECE (€)


Chip Floor Limit

Effective Date



4511 0 240 10 May 2008

Railroads All 25 25


Hotels All 240 240








Family Clothing Stores 5651 55 55




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

Table C-42 GREENLAND (Danish Krona)


Chip Floor Limit

Effective Date




Hotels All 400 400


Table C-40 GIBRALTAR (€) (Continued)


Chip Floor Limit

Effective Date












0 40 15 October 2011


4111 4112 4131 4784 7523

40 40 15 October 2011

Table C-43 GUATEMALA (Quetzal)


Chip Floor Limit

Effective Date


Table C-44 HONDURAS (Lempiras)


Chip Floor Limit

Effective Date


Table C-45 HONG KONG (Dollar)


Chip Floor Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0



Hospitals All 0

Supermarkets/Grocery Stores 5411 0

Table C-42 GREENLAND (Danish Krona) (Continued)


Chip Floor Limit

Effective Date







All 0

Table C-46 HUNGARY (Forints)


Chip Floor Limit

Effective Date




Hotels 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

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

Table C-45 HONG KONG (Dollar) (Continued)


Chip Floor Limit

Effective Date




Theatrical Producers (Except Motion Pictures) and Ticket Agencies

7922 5,000 5,000




0 8,200 15 October 2011


4111 4112 4131 4784 7523

8,200 8,200 15 October 2011

Table C-47 ICELAND (Krona)


Chip Floor Limit

Effective Date




Hotels All 30,000 30,000







All 0 15,000





0 2,700 15 October 2011


4111 4112 4131 4784 7523

2,700 2,700 15 October 2011

Table C-46 HUNGARY (Forints) (Continued)


Chip Floor Limit

Effective Date




Table C-48 INDIA (Rupee)


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 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-49 INDONESIA (Indonesian Rupiah)


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 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-50 ISRAEL (US Dollar)


Chip Floor Limit

Effective Date










Direct Marketing--Inbound Telemarketing Merchants

5967 0 50

Telecommunications Services 4814 0 200

Computer Software Services 5734 0 200

Recreational Services 7999 0 200

Professional Services 8999 0 200 23 February 2008


Drug Stores and Pharmacies 5912 0 200

Betting, Including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks

7995 0 200




0 40 15 October 2011


4111 4112 4131 4784 7523

40 40 15 October 2011

Table C-51 ITALY (€)


Chip Floor Limit

Effective Date



4511 0 515

Alitalia 3013 0 515

Railroads 4011 0 130

Passenger Railways 4112 130 130





Hotels All 440 440





4722 0 515




5399 0 130

Recreational Services 7999 0 130

Financial Institutions--Merchandise and Services

6012 0 130 10 May 2008

Government Services, Not Elsewhere Classified

9399 0 130 10 May 2008





Table C-52 IVORY COAST (CFA Franc)


Chip Floor Limit

Effective Date




Hotels All 165,000









Table C-51 ITALY (€) (Continued)


Chip Floor Limit

Effective Date




Table C-53 JAPAN (Yen)


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



Toll and Bridge Fees 4784 0 30,000


Taxicabs and Limousines 4121 0 30,000

Grocery Stores and Supermarkets

5411 0 30,000


5399 0 30,000

Miscellaneous Speciality Retail 5999 0 30,000

Table C-54 KENYA (US Dollar)


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-55 KUWAIT (Dinar)


Chip Floor Limit

Effective Date


Kuwait Air 3038 * 0 150 * 23 February 2008


4511 * 0 150 * 10 May 2008

Railroads All 40 40


Hotels All 50 50




Travel Agencies and Tour Operators

4722 * 0 100 * 25 August 2007



Supermarkets All 50 50

Automated Fuel Dispensers 5542 25 0

Mail/Phone Order Transactions All 0 * 0 * 17 October 2009

Direct Marketing—Travel-Related Arrangement Services (Excluding Travel Agencies)

5962 0 0

Direct Marketing—Outbound Telemarketing Merchants

5966 0 0

Direct Marketing—Inbound Teleservices Merchants

5967 0 0



Table C-54 KENYA (US Dollar) (Continued)


Chip Floor Limit

Effective Date




Table C-56 LAOS (US Dollar)


Chip Floor Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0



Hospitals All 0









Table C-57 LATVIA (€)


Chip Floor Limit

Effective Date




Hotels All 400 400






Computer Software Services 5734 0 120







Table C-58 LEBANON (US Dollar)


Chip Floor Limit

Effective Date

Airlines All 500

Railroads All 150


Hotels All 500


Restaurants All 150



Hospitals All 500




Table C-59 LIECHTENSTEIN (€)


Chip Floor Limit

Effective Date




Hotels All 400 400









Table C-60 LITHUANIA (€)


Chip Floor Limit

Effective Date




Hotels All 400 400












Table C-61 LUXEMBOURG (€)


Chip Floor Limit

Effective Date




Hotels All 620 620






Medical Services and Health Practitioners, Not Elsewhere Classified

8099 0 620

Telecommunications Equipment 4812 0 250




Betting, Including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks

7995 0 250

Table C-62 MACAU (Pataca)


Chip Floor Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0

Table C-60 LITHUANIA (€) (Continued)


Chip Floor Limit

Effective Date






Hospitals All 0





Table C-63 MALAYSIA (Ringgit)


Chip Floor Limit

Effective Date


Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0



Hospitals All 0




Table C-64 MALI (CFA Franc)


Chip Floor Limit

Effective Date




Hotels All 165,000





Table C-62 MACAU (Pataca) (Continued)


Chip Floor Limit

Effective Date








Table C-65 MALTA (€)


Chip Floor Limit

Effective Date


Railroads 4011 0 0


Hotels All 700 700


Restaurants 5812 140 140

Special Restaurants 5812 470 470


Hospitals 8062 700 700




Table C-66 MAURITIUS (Rupee)


Chip Floor Limit

Effective Date

Airlines All 3,000

Railroads All 2,000


Hotels All 10,000









Table C-64 MALI (CFA Franc) (Continued)


Chip Floor Limit

Effective Date




Table C-67 MEXICO (US Dollar)


Chip Floor Limit

Effective Date


Table C-68 MONACO (€)


Chip Floor Limit

Effective Date




Hotels All 400 400









Table C-69 MONTENEGRO (€)


Chip Floor Limit

Effective Date


4 October 2008

Table C-70 MOROCCO (Dirham)


Chip Floor Limit

Effective Date

Airlines All 5,000

Railroads All 1,000


Hotels All 2,500








Hospitals All 2,500




Table C-71 NEPAL (Rupee)


Chip Floor Limit

Effective Date

Airlines All 25,000

Railroads All 5,000


Hotels All 25,000









Table C-72 NETHERLANDS (€)


Chip Floor Limit

Effective Date



4511 100 100



Hotels All 590 590






Direct Marketing--Inbound Telemarketing Merchants

5967 0 45

Business Services--Not Elsewhere Classified

7399 0 250

Table C-70 MOROCCO (Dirham) (Continued)


Chip Floor Limit

Effective Date





4816 0 250 10 May 2008




Table C-73 NEW ZEALAND (Dollar)


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-74 NORWAY (Krone)


Chip Floor Limit

Effective Date


Norwegian Air Shuttle 3211 0 4,500





Telecommunications Equipment 4812 0 1,500






5691 0 1,500 23 February 2008


Table C-72 NETHERLANDS (€) (Continued)


Chip Floor Limit

Effective Date







0 265 15 October 2011


4111 4112 4131 4784 7523

265 265 15 October 2011

Management Consulting and Public Relation Services

7392 0 1,500


7995 1,500

Table C-75 PAKISTAN (Rupee)


Chip Floor Limit

Effective Date


4 October 2008

Table C-76 PANAMA (US Dollar)


Chip Floor Limit

Effective Date


Table C-77 PHILIPPINES (Philippine Peso)


Chip Floor Limit

Effective Date



Table C-78 POLAND (Polish Zlotys)


Chip Floor Limit

Effective Date





Table C-74 NORWAY (Krone) (Continued)


Chip Floor Limit

Effective Date













0 127 15 October 2011


4111 4112 4131 4784 7523

127 127 15 October 2011

Supermarkets 5411 300 300


Sport Shops All 200 200

Table C-78 POLAND (Polish Zlotys) (Continued)


Chip Floor Limit

Effective Date




Table C-79 PORTUGAL (€)


Chip Floor Limit

Effective Date




Hotels All 500 500









Table C-80 PUERTO RICO (US Dollar)


Chip Floor Limit

Effective Date


Table C-81 QATAR (Riyal)


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-82 REPUBLIC OF IRELAND (€)


Chip Floor Limit

Effective Date




Hotels All 635 635







7995 0 190

Telecommunications Services 4814 0 190

Telecommunications Equipment 4812 0 190 23 February 2008

Computer Software Stores 5734 0 190 23 February 2008

Record Stores 5735 0 190 23 February 2008

Miscellaneous Speciality Stores 5999 0 190 23 February 2008

Video Game Arcades and Establishments

7994 0 190 23 February 2008




Aer Lingus 3043 0 635


4816 0 190

Table C-83 ROMANIA (US Dollar)


Chip Floor Limit

Effective Date

Airlines All 250

Railroads All 20


Hotels All 200


Restaurants All 50






Hospitals All 100




Table C-84 RUSSIAN REPUBLIC (US Dollar)


Chip Floor Limit

Effective Date

Airlines All 200

Railroads All 50


Hotels All 200


Restaurants All 50



Hospitals All 100




Table C-85 SAN MARINO (€)


Chip Floor Limit

Effective Date




Hotels All 400 400









Table C-83 ROMANIA (US Dollar) (Continued)


Chip Floor Limit

Effective Date




Table C-86 SAUDI ARABIA (Riyal)


Chip Floor Limit

Effective Date

Airlines All 1,725

Railroads All 518


Hotels All 2,500


Restaurants All 800


Travel Agencies All 1,725 1725

Hospitals All 2,500




Table C-87 SENEGAL (CFA Franc)


Chip Floor Limit

Effective Date




Hotels All 165,000






Telecommunications Services 4814 0 10 May 2008




Table C-88 SEYCHELLES (Rupee)


Chip Floor Limit

Effective Date

Airlines All 7,500

Railroads All 1,000


Hotels All 4,500








Hospitals All 4,500




Table C-89 SINGAPORE (Dollar)


Chip Floor Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0



Hospitals All 0








Table C-90 SLOVAKIA (€)


Chip Floor Limit

Effective Date




Hotels All 400 400





Table C-88 SEYCHELLES (Rupee) (Continued)


Chip Floor Limit

Effective Date








Table C-91 SLOVENIA (€)


Chip Floor Limit

Effective Date




Hotels All 400 400









Table C-92 SOUTH AFRICA (Rand)


Chip Floor Limit

Effective Date

Airlines All 1,000

Railroads All 800


Hotels All 1,500


Restaurants All 300



Hospitals All 1,500




Table C-90 SLOVAKIA (€) (Continued)


Chip Floor Limit

Effective Date




Table C-93 SOUTH KOREA (won)


Chip Floor Limit

Effective Date


Table C-94 SPAIN (€)


Chip Floor Limit

Effective Date




Hotels All 240 240







Iberia 3102 0 510


4511 0 510





Household Appliance Stores 5722 0 150

Jewelry Stores 5944 0 150

Table C-95 SRI LANKA (Rupee)


Chip Floor Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0



Hospitals All 0








Table C-96 ST. KITTS & NEVIS (Eastern Caribbean Dollar)


Chip Floor Limit

Effective Date




Hotels All 500 500







7995 0 150


Mail/Phone Order Transactions All 0 0



Table C-97 SWEDEN (Krona)


Chip Floor Limit

Effective Date


Pakistan Airlines 3024 0 1,200










Table C-95 SRI LANKA (Rupee) (Continued)


Chip Floor Limit

Effective Date







0 315 15 October 2011


4111 4112 4131 4784 7523

315 315 15 October 2011

Computer Software Stores 5734 0 1,200

Telecommunications Services 4814 0 1,200

Computer Program, Data Processing, Integrated Systems, and Design Services

7372 0 1,200

Table C-98 SWITZERLAND (Franc)


Chip Floor Limit

Effective Date











Automated Fuel Dispensers 5542 100 100 Effective until 15 April 2009

0 40 Effective from 16 April 2009





0 55 15 October 2011


4111 4112 4131 4784 7523

55 55 15 October 2011

Table C-97 SWEDEN (Krona) (Continued)


Chip Floor Limit

Effective Date




Table C-99 TAIWAN (Dollar)


Chip Floor Limit

Effective Date

Airlines All 0 0

Railroads All 0 0


Hotels All 0 0


Restaurants All 0 3,000



Hospitals All 0 0

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-100 THAILAND (Baht)


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-101 TOGO (CFA Franc)


Chip Floor Limit

Effective Date




Hotels All 165,000









Table C-102 TUNISIA (Dinar)


Chip Floor Limit

Effective Date

Airlines All 425

Railroads All 125


Hotels All 425


Restaurants All 125



Hospitals All 425




Book Stores 5942 0

Table C-100 THAILAND (Baht) (Continued)


Chip Floor Limit

Effective Date




Table C-103 TURKEY (Lira)


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



Hospitals All 15 15





0 55 15 October 2011


4111 4112 4131 4784 7523

55 55 15 October 2011

Table C-104 UKRAINE Hryvnia (UAH)


Chip Floor Limit

Effective Date

Airlines All 2,390 2,390 4 October 2008

Railroads 4011 715 715 4 October 2008

Passenger Railways 4112 715 715 4 October 2008

Car Rental Companies All 1,195 1,195 4 October 2008

Hotels All 2,390 2,390 4 October 2008

Special Hotels All 7,165 7,165 4 October 2008

Restaurants 5812 715 715 4 October 2008

Fast Food Restaurants 5814 715 715 4 October 2008

Special Restaurants All 2,390 2,390 4 October 2008

Travel Agencies All 2,390 2,390 4 October 2008

Hospitals All 2,390 2,390 4 October 2008

All Other Merchants All 715 715 4 October 2008

Cigar Stores/Stands 5933 0 0




Table C-105 UNITED ARAB EMIRATES (Dirham)


Chip Floor Limit

Effective Date

Airlines All 3,000


4511 0

Railroads All 560


Hotels All 3,000


Restaurants All 800



Hospitals All 3,000

Telecommunications Services 4814 0 10 May 2008




Table C-106 UNITED KINGDOM (GB Pound)


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 45

Discount 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

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


5691 0 25

Tailors and Seamstresses 5697 0 45

Apparel and Accessory Shops--Miscellaneous

5699 0 45

Electronic Sales 5732 0 45

Computer Software Stores 5734 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

UK Supermarkets—Electronic Hot File

9751 0 45


Table C-106 UNITED KINGDOM (GB Pound) (Continued)


Chip Floor Limit

Effective Date







0 25 15 October 2011


4111 4112 4131 4784 7523

25 25 15 October 2011

Computer Program, Data Processing, Integrated Systems, and Design Services

7372 0 90

Table C-107 UNITED STATES (Dollar)


Chip Floor Limit

Effective Date


Table C-108 URUGUAY (US Dollar)


Chip Floor Limit

Effective Date

Airlines All 500

Railroads All 150


Hotels All 1,000


Restaurants All 150



Hospitals All 1,000




Table C-106 UNITED KINGDOM (GB Pound) (Continued)


Chip Floor Limit

Effective Date




Table C-109 VATICAN CITY (€)


Chip Floor Limit

Effective Date




Hotels All 400 400









Table C-110 VENEZUELA (US Dollar)


Chip Floor Limit

Effective Date


Table C-111 VIETNAM (US Dollar)


Chip Floor Limit

Effective Date

Airlines All 0

Railroads All 0


Hotels All 0


Restaurants All 0



Hospitals All 0












Table C-111 VIETNAM (US Dollar) (Continued)


Chip Floor Limit

Effective Date



Defined Terms

Numerics 3-D Secure The Authentication Method that is the global authentication standard for Electronic Commerce Transactions.

A Access Control Server (ACS)Key infrastructure component required to enable 3-D Secure, which allows Issuers to enrol Cardholders in 3-D Secure and to handle Cardholder Authentication.

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 VerificationEffective from 1 April 2009, a message sent by an Acquirer to the Issuer via the Visa System, using a currency unit of zero (0), for confirmation that a Transaction can be completed using the Card.

Acquirer A Member that (a) enters into an agreement with a Merchant for the display of any of the Licensed Marks and the acceptance of Visa Products and Services or (b) disburses currency to a Cardholder, except in relation to the rules set out in Visa Europe Operating Regulations, Volume 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.

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.


D-115 November 2011

Defined Terms

Acquirer Reference NumberA 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 ServiceA 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.

AdjustmentA Single Message System message used to partially or fully negate or cancel a Transaction that has been sent through Interchange in error.

Advance Deposit ServiceA 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 TransactionA 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 FileA 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 TransactionA 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.H, before submitting it for payment processing.

Aggregated Transaction ReceiptA Transaction Receipt provided to the Cardholder by an Electronic Commerce Merchant when an Aggregated Transaction is performed.

Airline A passenger airline Merchant.

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.


15 November 2011D-2

Defined Terms

Airline Interchange Reimbursement FeeAn 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.

Application LabelA 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.

Application Preferred NameA 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 RateThe 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.

Associate MemberA 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.


D-315 November 2011

Defined Terms

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 a 3-D Secure Issuer in response to an Authentication Request from a 3-D Secure Merchant, indicating that the Cardholder is not participating in 3-D Secure.

Authentication 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 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.

Authentication Request A request for Cardholder authentication from a Merchant who uses 3-D Secure.

Authorization The approval of a Transaction by either an Issuer, a Visa System Processor or Stand-In Processing.

Authorization Code A code that an Issuer or its Visa System Processor, or Stand-In Processing, provides as part of an Authorization Response to indicate an approval of a Transaction.

Authorization-Only Terminal A device used at Point-of-Transaction that does not have Point-of-Transaction Capability, but provides Authorization.

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.


15 November 2011D-4

Defined Terms

Authorization ReversalA process whereby a Merchant requests cancellation of an Authorization.

Automated Fuel DispenserAn Unattended Acceptance Terminal that dispenses only fuel.

B Balance InquiryA Cardholder request for his/her account balance that is initiated at an ATM and processed as a separate, non-financial transaction.

Balance Inquiry ServiceAn ATM service that allows a Cardholder to check their account balance through the Visa System.

Balance Transaction ReceiptThe second Transaction Receipt in a Delayed Delivery Transaction.

BASE IIThe VisaNet system that provides deferred Clearing and Settlement services to Members.

Basic Currency Conversion RateThe 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. for International Transactions, the currency conversion rate selected by Visa Inc. in line with market practice 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, until such time as Visa Europe has (i) the technical capability to set currency conversion rates for International Transactions, and (ii) deployed Visa Europe Clearing and Settlement System, after which time Visa Inc. shall select such rate for International Transactions where the Issuer of the Card is a Customer and Visa Europe shall select such rate for International Transactions where the Issuer of the Card is a Member;

3. for Visa Europe Transactions, the currency conversion rate selected by Visa Inc. (in compliance with the policy set by Visa Europe for such rate until the earlier of (i) full deployment of Visa Europe Clearing and Settlement System, or (ii) 31 December 2009) 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, until such time as Visa Europe has (i) the technical capability to select currency conversion rates for Visa Europe Transactions, and (ii) deployed Visa Europe Clearing and Settlement System, after which time Visa Europe shall select such rate for Visa Europe Transactions; 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.

BeneficiaryA Cardholder receiving funds via the Visa Money Transfer Service.

Beneficiary IssuerThe Issuer providing the account related to a Visa Card that is to be used by the Beneficiary to receive funds transferred via the Visa Money Transfer Service.

Billing CurrencyThe 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.


D-515 November 2011

Defined Terms

BINA 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.

BranchThe office of a Customer or a Member where Manual Cash Disbursements are made and Cards may also be issued.

C CacheA 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.

CardA 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 EnvironmentAn environment where a Transaction is completed under both of the following conditions:

Cardholder is not present; and Card is not present.

Card Distribution Point A location, other than a Branch, where a Card may be issued.

CardholderA Person who is issued with and authorized to use a valid Card.

Cardholder Access DeviceA terminal, personal computer or other device that a Cardholder uses to initiate an Electronic Commerce Transaction.

Cardholder-Activated TransactionA Transaction that is initiated by a Cardholder at an Unattended Acceptance Terminal.

Cardholder-Activated Transaction Type AEffective 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 BEffective 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.


15 November 2011D-6

Defined Terms

Cardholder-Activated Transaction Type CEffective 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 AgreementA 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 ValueA unique value transmitted by an Issuer in response to an Authentication Request from a Merchant who uses 3-D Secure.

Cardholder Dispute Chargeback ResolutionA 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 ServiceA service that assists a Cardholder in reaching its Issuer when calling the Visa Global Customer Care Service Sites for account information.

Cardholder VerificationThe process of validating a Cardholder's identity through verification of the Cardholder's signature, PIN or other methods approved by Visa Europe.

Cardholder Verification MethodInstructions encoded within a Chip that define how the authenticity of a Cardholder’s identity is to be verified.

Cardholder Verification Method ListAn 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-ROMA 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 ListingA single Account Number that an Issuer requests to be included in a specific Card Recovery Bulletin Region.


D-715 November 2011

Defined Terms

Card Recovery Bulletin RegionVisa 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 ServiceA service where an Issuer notifies Acquirers of blocked Account Numbers.

Card Verification ServiceA VisaNet service whereby Visa Europe validates the Card Verification Value in an Authorization Request on behalf of an Issuer.

Card Verification Value (CVV)A unique check value that is calculated from the data encoded on the Magnetic Stripe using a secure cryptographic process and is used to validate Card information during the process of obtaining Authorization.

Card Verification Value 2 (CVV2)A unique check value printed on the back of a Card, which is generated using a secure cryptographic process.

Car Rental CompanyA Merchant whose primary business is the rental of passenger vehicles.

Car Rental Reservation ServiceA 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-BackCash obtained from a Merchant through use of a Card, in conjunction with, and processed as, a Retail Transaction.

Cash DisbursementA Transaction under which currency (including travelers cheques) is paid out to a Cardholder using a Card, excluding Cash-Back.

Cash Disbursement FeeA fee paid by an Issuer to an Acquirer for performing a Cash Disbursement.

Cash Disbursement Transaction ReceiptA Transaction Receipt evidencing a Manual Cash Disbursement.

Central BankA government agency responsible for the supervision and operation of banking activities for a national government.

Centralised Card IssuanceThe issue of Cards by a Customer inside the Territory, and by a Member outside the Territory, pursuant to the Multinational Program.


15 November 2011D-8

Defined Terms

Certification AuthorityAn entity that issues and manages Digital Certificates for use with Visa Products and Services in accordance with Visa Inc.-specified requirements.

ChargebackA Transaction that an Issuer returns to an Acquirer.

Chargeback Transaction Volume RatioThe 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 PeriodThe 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 ServiceA 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.

Chip Card A Card embedded with a Chip that communicates information to a Point-of-Transaction Terminal.

Chip-initiated TransactionA 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-ReadingThe 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 TransactionA Transaction where the Chip on a Chip Card is read by a Chip-Reading Device.

ClaimAny 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.

ClearingAll 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 RecordA record of a Presentment, Chargeback, Representment, Reversal or Adjustment in the format necessary to clear the Transaction.


D-915 November 2011

Defined Terms

Commercial Virtual AccountA 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.

ComplianceA 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.

Contactless IndicatorThe 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 RequestA Retrieval Request that is processed through an Electronic Documentation Transfer Method.

Copy Request IdentifierA 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 BankA 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 CardOne 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 TransactionA Transaction using a Counterfeit Card.


15 November 2011D-10

Defined Terms

Counterfeit Transaction ReceiptA Transaction Receipt generated by a Counterfeit Transaction.

Country-to-Country TransactionA 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-CompliantA Card or Point-of-Transaction Terminal that contains an application that complies with the requirements specified in the EMV Common Payment Application Specification, as amended by EMVCo from time to time.

Credit CardA 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 TransactionA Transaction where a Merchant's refund or price adjustment is credited to a Cardholder's account.

Credit Transaction ReceiptA Transaction Receipt evidencing a Credit Transaction.

Cruise LineA Merchant that sells and provides recreational travel on water, including overnight accommodations.

CryptogramA value resulting from a process using an encryption algorithm and key data elements.

Currency Conversion RateThe 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. for International Transactions, the currency conversion rate selected by Visa Inc. in line with market practice 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, until such time as Visa Europe has (i) the technical capability to set currency conversion rates for International Transactions, and (ii) deployed Visa Europe Clearing and Settlement System, after which time Visa Inc. shall select such rate for International Transactions where the Issuer of the Card is a Customer and Visa Europe shall select such rate for International Transactions where the Issuer of the Card is a Member;

3. for Visa Europe Transactions, the currency conversion rate selected by Visa Inc. (in compliance with the policy set by Visa Europe for such rate until the earlier of (i) full deployment of Visa Europe Clearing and Settlement System, or (ii) 31 December 2009) 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, until such time as Visa Europe has (i) the technical capability to select currency conversion rates for Visa Europe Transactions, and (ii) deployed Visa Europe Clearing and Settlement System, after which time Visa Europe shall select such rate for Visa Europe Transactions; or a government mandated rate in effect for the applicable Processing Date for a Transaction.

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


D-1115 November 2011

Defined Terms

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.

CustomerFinancial 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 ServiceA payment service that accommodates specific payment environments with an identifier that remains with the Transaction throughout its life cycle.

D Data Capture-Only CapabilityPoint-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 RecoveryA fraud recovery process whereby Visa Europe allocates to affected Members the incremental full 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 MethodA method for the protection of Account Numbers and other Cardholder data, as specified in the Payment Card Industry Data Security Standards.

Decline ResponseAn Authorization Response where the Transaction is declined.

Dedicated File NameA 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 ProcessingA 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 TransactionA 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 CardA 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 TransactionA 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

Delayed or Amended Charge TransactionA 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.

DepositThe submission of a Transaction Receipt by a Merchant or an Internet Payment Service Provider to an Acquirer, resulting in a credit or debit to the Merchant's or Internet Payment Service Provider's Visa Card account.

Deposit-Only Account NumberAn 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 ReceiptThe first Transaction Receipt in a Delayed Delivery Transaction.

Digital CertificateA digitally signed credential used to authenticate the holder of the credential or to ensure the integrity of the message it is signing.

Direct (Immediate) Debit CardA 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.

Distribution Channel VendorA 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 DesignA Trademark depicting a dove in flight that identifies the Visa Card Program and/or Visa Card Product or the Travelers Cheque Program.

Dual Card ProgrammeA 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.



Defined Terms

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 PackageThe 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 ViolationA 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 CapabilityPoint-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 Identifier for Electronic Commerce Transactions.

Electronic Commerce Merchant A Merchant that conducts the sale of goods or services electronically over the internet.

Electronic Commerce Merchant Rate An Interchange Reimbursement Fee paid for International Transaction that are Electronic Commerce Transactions and are conducted by a Merchant participating in 3-D Secure.

Electronic Commerce Transaction A Transaction between a Merchant and a Cardholder over the internet.

Electronic Documentation Transfer MethodAn electronic documentation transfer method approved by Visa Europe.

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

Eligible CardholderA 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.



Defined Terms

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 CryptogramA 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.

EMV PIN-CompliantA Chip-Reading Device that complies with the PIN requirements of the Visa Europe Operating Regulations and the PIN Management Manuals or is approved and certified by the PCI SSC.

EMV PIN TransactionA Chip-initiated Transaction (excluding ATM Transactions) that is verified using either Online PIN Verification or Offline PIN Verification.

Endorsement Date For Transactions cleared through BASE II or the Visa Europe Clearing and Settlement Service, the Endorsement Date means the date that the Acquirer prepares the Transaction for processing before submitting that Transaction into Interchange.

For Transactions cleared through the Single Message System, the Endorsement Date means the Settlement Date, as shown in the 'Settlement Date' field on the Clearing Record.



Defined Terms

European Economic AreaThe 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 Transaction Country.

Exported TransactionA Transaction where the Transaction Country is different to the Acquirer’s principal place of business.

Exported Visa Europe TransactionA 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 TransactionWhere 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.

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.

File Correction ServiceA service offered by Visa Inc. to its Customers and Visa Europe to its Members, whereby Customers or Members may submit files containing duplicate or erroneous data which has already been accepted into Interchange, to Visa Inc. or Visa Europe as appropriate, so that Visa Inc. or Visa Europe can process Reversals.

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.



Defined Terms

Fraudulent User An individual who is not the Cardholder and who uses a Card (or, in a Mail/Phone Order Transaction or Recurring Transaction, an Account Number) to obtain goods or services without the Cardholder’s consent.

Fulfilment A document that the Acquirer supplies in response to a Retrieval Request.

Fulfilment VendorA 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.

Funding IssuerThe Issuer providing the Visa Card account that the Sender uses to fund a transfer via the Visa Money Transfer Service.

G Gambling Funds Transfer Merchant A Merchant, who is not the Online Gambling Merchant, that facilitates a Gambling Funds Transfer Transaction.

Gambling Funds Transfer TransactionA 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 MerchantA 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.

Global Customer Assistance Services Emergency assistance provided by the Issuer, or by Visa Global Customer Care Service Sites on behalf of an Issuer, to Cardholders and purchasers of Travelers Cheques, while travelling outside their city of residence.

Global Fraud Information Service (GFIS)A secure online resource that provides Members with up-to-date information from Visa Europe.



Defined Terms

Global Program A set of operating rules that are mutually agreed between Visa Inc. and Visa Europe in respect of Visa Products and Services that are made available by both Visa Inc. and Visa Europe in their respective territories and/or in each other's territory, such as the Multinational Program, Prepaid Multinational Program (as set out in the approved Product Development Council Paper dated May 3-4, 2006), the International Airline Program and the Travelers Cheque Program.

Global Refund Service A service provided by Visa Inc. that assists Travelers Cheque purchasers whose Travelers Cheques are lost or stolen.

Governmental Authority Any national, federal, state or local government body in any jurisdiction, the European Commission and any other supranational body or any court, tribunal, arbitrator in any jurisdiction.

Group Member An organisation to which Visa Europe delegates, in whole or in part, its responsibility for the development, operation and administration of Visa Card Programs and/or Visa Card Products in any country or countries inside the Territory, and who is responsible directly, or through its sub-licensees, for the development, operation and administration of such Visa Card Programs and/or Visa Card Products within such country or countries.

Guest Folio A Hotel's or Cruise Line's guest file.

H High Brand-Risk Internet Payment Service ProviderEffective 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 MerchantEffective 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”.

High Brand-Risk Sponsored MerchantEffective from 1 June 2011, a Sponsored Merchant that is assigned a Merchant Category Code designated for High Brand-Risk Merchants.

High-Risk Electronic Commerce Merchant Effective until 31 May 2011, an Electronic Commerce Merchant identified by the Global Merchant Chargeback Monitoring Program, or by Visa Europe in other risk management initiatives, as being likely to cause undue economic and goodwill damage to, or damage to the reputation of, the Visa Enterprise.

High-Risk Telemarketing Merchant Effective until 31 May 2011, a Merchant whose business includes telemarketing activity that, in the opinion of Visa Europe, is likely to cause undue economic and goodwill damage to, or damage to the reputation of, the Visa Enterprise.



Defined Terms

Hotel A hotel Merchant.

Hotel Reservation Service A service whereby a Cardholder may use a Visa Card to guarantee Hotel accommodations.

I, J Imprint Cardholder data embossed, printed or encoded on a Card, which is transferred on to a Transaction Receipt either manually or electronically.

Independent Sales OrganisationAn 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/orCardholder 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 StatementThe monthly statement that Visa Europe provides to a Member or non-Member that contains all processing charges for that Member or non-Member.

Integrated Card Verification Value (iCVV) A unique check value that is calculated, using a secure cryptographic process, from the Magnetic Stripe Image data on a Chip and is used to validate Card information during the process of obtaining Online Authorization. It is a different value to the Card Verification Value to distinguish between Chip-read data and Magnetic Stripe-read data.

Interchange The exchange of Clearing Records between Customers or between Members or between Customers and Members.

Interchange Authorization Limit The amount over which a Manual Authorizer must obtain an Authorization from an Issuer on a proposed Transaction or group of Transactions initiated on the same day by the same Cardholder.

Interchange File An electronic file containing a Member's Interchange data.

Interchange Reimbursement Fee A fee reimbursed by a Member or a Customer in the Clearing and Settlement of an Interchange Transaction.

Interchange Transaction A Transaction where the Issuer and the Acquirer are different, including any Transactions with issuers or acquirers that are Customers.



Defined Terms

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 AssessmentA 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.

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.



Defined Terms

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

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; andUnload 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.



Defined Terms

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 Stripe The magnetic tape on a Card that contains the necessary information to complete a Transaction.

Magnetic Stripe Data Data contained on the Magnetic Stripe and replicated in the Chip.

Magnetic Stripe Image The minimum Chip payment data replicating the Magnetic Stripe information required to process a Transaction that is EMV-Compliant.

Magnetic Stripe Telephone Effective for Transactions with a Transaction Date up to and including 14 October 2011, an Unattended Acceptance Terminal that may be capable of supporting Cardholder-Activated Transaction Type A, Cardholder-Activated Transaction Type B or Cardholder-Activated Transaction Type C that accepts a Visa Card as payment for a telephone call.

Magnetic Stripe Terminal A terminal that reads the Magnetic Stripe on a Card.

Mail/Phone Order Merchant A Merchant that completes a Mail/Phone Order Transaction.

Mail/Phone Order Transaction A Transaction where a Cardholder orders goods or services from a Merchant by telephone, mail or other means of telecommunication, and neither the Card nor the Cardholder is present at the Merchant Outlet.

Mail/Phone Order Transaction IndicatorA 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.



Defined Terms

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

— 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-InSoftware that enables a Merchant to participates 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 ProcessorA Processor who provides services to Merchants where these services include handling (storing, processing or transmitting) account data.

Merchant Service ChargeA 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 ServiceA 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.



Defined Terms

Multilateral AgreementA 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.

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 CardA 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 CardA 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.



Defined Terms

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; andContain 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.

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-OnlyCapable 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 communications network other than voice.

Online Authorization A method of requesting an Authorization Online.

Online-CapableCapable 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.



Defined Terms

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-OnlyOperating 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.

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 CertificateThe 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 Parking TransactionA 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 MemberA Member, with the participation rights and obligations, as specified in the Visa Europe Membership Regulations, Section 2.4.

Passenger Itinerary DataThe elements of the “International Airline Transport Association” long record (including passenger name) as included in the “TCR3” elements of the Clearing Record.



Defined Terms

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.

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 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 DeviceA 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.



Defined Terms

Plus Program A program through which a Plus participant provides ATM services to Cardholders by acting as an Issuer, an ATM Acquirer, or both.

Plus Program Participant MemberA Member, with the participation rights and obligations, as specified in the Visa Europe Membership Regulations, Section 2.5.

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 ReturnAn 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 ServiceA 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.

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

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 CardA 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 Transaction Receipt.

Prepaid PartnerA 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 MemberA Member, with the participation rights and obligations, as specified in the Visa Europe Membership Regulations, Section 2.2.

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

Priority Check-out Contract A contract entered into between an Acquirer and a Merchant enabling the Merchant to provide Priority Check-out Service.

Priority Check-out Service A service provided by Visa Europe to its Members and which may be provided by Hotels, Cruise Lines and Car Rental Companies to Cardholders by both parties signing a completed Priority Check-out Agreement, that allows a Cardholder to authorize the use of its Card for payment for goods and services in accordance with that Priority Check-out Agreement.

Priority Check-out Transaction A Transaction carried out pursuant to a Priority Check-out Agreement.

Private Agreement A bilateral agreement between Members pertaining to the process of obtaining an Authorization or Clearing and Settlement of Domestic Transactions.

Private Keys The secret portion of the cryptographic method used for verification during a Transaction.

Processing Date For Transactions processed through the Visa System, the Processing Date means the date (based on Greenwich Mean Time) on which Interchange data submitted by a Member to a Visa Interchange Center is processed for Settlement by that Visa Interchange Center. For Transactions processed through Single Message System, the Processing Date means the date on which Interchange data submitted by a Member to the V.I.P. System or the Visa Europe Authorization Service is processed for Settlement by the Visa System and for these Transactions, the Processing Date is indicated by the “Settlement Date” field in the online message.

Processor A Person, who is not a Customer or a Member, that stores, processes or transmits Cardholder or Transaction data for Visa Europe, Members or other sub-licensees of Visa Europe and/or Merchants.

Product Name A name for goods or services offered by a Member to a Cardholder, for example, Visa Gold Card.

Product Net Settlement A Settlement service participated in by some or all Members to settle Transactions for a common, specified Visa Products and Services that requires separate reporting and funds movement.

Proprietary Card A Card that does not bear the Visa Brand Mark, Visa Brand Mark with the Electron Identifier or V PAY Brand Mark, but may bear a Plus Symbol.

Proximity Payment A Transaction conducted over an approved wireless interface in a Card Present Environment.

Proximity Payment Device A Card that makes a Proximity Payment.

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.



Defined Terms

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 Recurring Transactions 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 RateFor the purposes of the Payment Services Directive (PSD) the Reference Exchange Rate shall be the Currency Conversion Rate. See also Currency Conversion Rate.

Referral RateThe 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 for further instructions before completing the Transaction.

Refund Claim Number A number that the Global Refund Service provides to a purchaser of Travelers Cheques to verify that he/she qualifies for a refund of lost or stolen Travelers Cheques.

Regional Card Recovery File A regional electronic version of the Card Recovery Bulletin that is distributed to Members via Visa Europe Clearing and Settlement Service and BASE II.

Reloadable CardA Prepaid Card that may be funded with monetary value more than once.

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.



Defined Terms

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 ImageA 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 internet and other networks.

Semi-Attended EnvironmentAn environment where a Transaction is completed under all of the following conditions:

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.

SenderA Person sending money via the Visa Money Transfer Service.

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.



Defined Terms

Service Provider MemberA principal or an associate Member that offers the Visa Money Transfer 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 Effective until 11 February 2011, for International Transactions, an electronically-read authorized Transaction of US $25 or less, or local currency equivalent, presented by a Merchant with a qualified Merchant Category Code, that is conducted in a Face-to- Face Environment.

Effective until 11 February 2011, for Visa Europe Transactions, an electronically-read authorized Transaction of US $25 or less, or local currency equivalent, presented by a Merchant with a qualified Merchant Category Code, that is conducted in a Face-to- Face Environment or Semi-Attended Environment.

Effective from 12 February 2011, an electronically-read authorized Transaction of an amount that does not exceed the limits for a Transaction as specified in Table 5-3, “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.



Defined Terms

Specialised Vehicle A rental vehicle of a higher quality than those in the main fleet of a Car Rental Company's, the total number of such vehicles not constituting more than five per cent of the Merchant's total rental fleet.

Specialised Vehicle Reservation Service A service offered by Car Rental Companies in the U.S.A., to Cardholders of a Visa Card or a Visa Electron Card whereby that Cardholder may use its Visa Card or Visa Electron Card to reserve Specialised Vehicles.

Sponsored Merchant A business that contracts with an Internet Payment Service Provider for that Internet Payment Service Provider to (a) conduct the sale of that business' goods and/or services electronically over the internet and (b) provide payment services for those goods and/or services, in each case on that business' behalf.

Standard Rate The default Interchange Reimbursement Fee set by Visa Inc. for International Transactions and Visa Inc. Transactions, and by Visa Europe for Visa Europe Transactions.

Stand-In Processing The VisaNet component that provides services for obtaining Authorization on behalf of an Issuer when the Positive Cardholder Authorization System is used or when the Issuer or its Visa System Processor is unavailable.

Stand-In Processing Account An Issuer-supplied valid Account Number (established and activated in the 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 Effective until 31 March 2009, a request by a Merchant using a currency unit of one (1) (which shall not be deducted from the relevant Cardholder's account for the Card) for confirmation via the Visa System that a Transaction can be completed using the Card. Where the Status Check Authorization is used at an Automated Fuel Dispenser, the currency unit of one (1) may be withheld from the funds that are available to the Cardholder in its account relating to that Card until Settlement of the related Transaction occurs or the Cardholder decides not to complete the Transaction.

Effective from 1 April 2009, an Authorization Request by a Merchant deploying an Automated Fuel Dispenser using a currency unit of one (1), sent to the Issuer to reserve the amount which the currency unit of one (1) represents. The amount that the currency unit of one (1) represents shall be withheld from the funds that are available to the relevant Cardholder’s account for the Card, for confirmation via the Visa System that a Transaction can be completed using the Card.

Effective from 1 April 2010, 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 the Visa System, the Transaction can be completed using the Card.

Stop ServiceA 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.



Defined Terms

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).

T&E Merchant An Airline, Car Rental Company, Hotel or Cruise Line whose primary function is to provide travel-related services. A travel agency (excluding one that is primarily engaged in the sale of transportation or travel-related arrangement services by Mail/Phone Order) is a T&E Merchant to the extent that it acts as the agent of an Airline, a Car Rental Company, a Cruise Line or a Hotel.

T&E Transaction A Transaction at a T&E Merchant Outlet.

Tactile Brand MarkA 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 PersonalizerA 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.



Defined Terms

Timeshare Merchant A Merchant that manages the sales, rentals or other uses of condominiums, holiday homes, holiday clubs or apartments known as “timeshares” and does not provide full-service lodging (for example, lodgings offering room service).

Tracing Data In a Single Message System message, the transmission date and time, systems trace audit number, retrieval reference number, Transaction Identifier and identity of the Acquirer.

Trademark Trademarks, trade names, corporate names, business names, trade styles, get up, trade dress, product and service names, words, symbols, devices, service marks, logos, taglines, sounds, combinations thereof, other source or business identifiers and general intangibles of like nature, together with goodwill associated therewith, whether registered or unregistered, arising under the laws of any jurisdiction, and registrations and applications for registration with respect to any of the foregoing.

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 and returns to the Acquirer in the Authorization Response. This value is used to maintain an audit trail throughout the life cycle of the Transaction and all related transactions such as Reversals, Adjustments, confirmations and Chargebacks.

The Visa System will assign a Transaction Identifier to each Transaction based on the Transaction Indicator.

Transaction IndicatorA 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.



Defined Terms

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 FeeA fee charged to Issuers of Visa Purchasing Cards to support the implementation of the Transitional Incentive for Terminalization Program.

Transitional Incentive for Terminalization ProgramA program inside the Territory to encourage Acquirers to install Point-of-Transaction Terminals at Merchant Outlets.

Travelers ChequeTravelers 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.

U Unable-to-Authenticate 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 participating Issuer is unable to authenticate the Cardholder for reasons other than those that result in an Authentication Denial.

Unattended Acceptance Terminal A Cardholder-operated device that reads, captures and transmits Card information in an environment where there is no individual representing the Merchant or the Acquirer present to complete the Transaction.

Unattended Environment An environment where a Transaction is completed under all of the following conditions:

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 DateThe 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.



Defined Terms

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.

Vending TransactionA 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.

Verified by Visa An Authentication Method based on 3-D Secure.

Verified by Visa Mark The Licensed Mark set out below meeting the specifications set out in the Visa Product Brand Standards and used to denote compliance with Verified by Visa.

V.I.P. System The VisaNet Integrated Payment System (V.I.P System), comprised of BASE I and the Single Message System used for single message authorization in connection with financial transaction processing.

Virtual Account An account, established primarily for completing Electronic Commerce Transactions, for which no Card is issued.

Virtual Account Holder A Person to whom a Virtual Account is issued or who is authorized to use a Virtual Account.

Visa Account UpdaterA 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 ServiceA combined service incorporating both the Visa Account Updater and the Stop Service.

Visa-approved Online Card Authentication Cryptogram A cryptographic validation of the legitimacy of the Card and of the information set out in an Authorization Request using a Cryptogram conforming to the technical specifications set by Visa Inc.



Defined Terms

Visa Brand Mark The Licensed Mark set out below meeting the specifications set out in the Visa Product Brand Standards.

Visa Brand Mark with the Electron Identifier The Licensed Mark set out below meeting the specifications set out in the Visa Product Brand Standards.

Visa Brand Mark with the Vale Identifier The Licensed Mark set out below meeting the specifications set out in the Visa Product Brand 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 ProductBoth the Product Name for a Card and its associated service features through which a Member provides payment services to Cardholders.

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.



Defined Terms

Visa Classic Card A Product Name for a general-purpose Card.

Visa Commercial Card Interchange Reimbursement FeeAn 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 FormatThe format, as defined by Visa Europe, that Issuers use for importing data into the Visa Information Management Services and the Visa IntelliLink Spend Management Services.

Visa Corporate Card A Card offered to mid-to-large size companies that is used to manage employee business travel and entertainment expenses.

Visa Directory ServerKey infrastructure component required to enable 3-D Secure. It accepts Merchants’ requests for verification of Cardholder participation, processes these requests and provides responses.

Visa Easy Payment Service TransactionEffective from 16 October 2010, an electronically-read authorized Transaction of an amount that does not exceed the limit for a Transaction as specified in Table 5-3, “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 rules governing Small Ticket Transactions.

Visa Easy Payment Service Transactions cannot be Visa Europe Transactions.

Visa Electron Card A Card that is not embossed and Transactions that use such Cards must always be submitted for Authorization.

Visa Electron Merchant A Merchant that:

Displays the Visa Brand Mark with the Electron Identifier; and Has a Zero Floor Limit or has a terminal capable of reading and acting upon the Service Code in the Magnetic Stripe, or instructions for an Online Authorization Request from a Chip.

Visa Electron Payment Application A software application contained within a Chip or payment data encoded on a Magnetic Stripe that defines the parameters for processing a Transaction using a Visa Electron Card.



Defined Terms

Visa Electron Program A program through which a Member provides payment services to Visa Electron Merchants and Cardholders of Visa Electron Cards by acting as an Issuer of Visa Electron Cards, an Acquirer of Visa Electron Cards, or both.

Visa Electron Symbol A Mark consisting of the name “Electron” above a curved graphic element.

Visa Electron Transaction A Transaction completed with a Visa Electron Card at an ATM or Visa Electron Merchant.

Visa EMV Public Keys The Public Keys issued to validate Digital Certificates issued by the Visa Inc. EMV Certification Authority.

Visa Enterprise The worldwide enterprise comprised of Visa Inc. and its Affiliates and Visa Europe and its Affiliates, providing products and services that include authorizing, processing, clearing and settling of financial transactions and management and processing of information in connection with financial payments under any Visa Marks or using the Visa System.

Visa Europe The company, Visa Europe Limited, registered in England and Wales with its registered address at One Sheldon Square, London W2 6TT with company number 5139966.

Visa Europe Authorization Service The system for Authorization processing of dual-message Transactions, and Authorization and Clearing processing of financial Transactions, operated by Visa Europe.

Visa Europe Card Not Present Interchange Reimbursement FeeAn 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 Visa Europe.

Visa Europe Competitor Any Person which (a) owns or controls a payment card system or is directly or indirectly owned or controlled by an entity that owns or controls a payment card system; and (b) such entity poses a substantial risk of disloyal competition in favour of such other payment card system, to the detriment of Visa Europe inside the Territory.

Visa Europe Cross-Border Acquiring ProgramA 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 ProgramA 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.



Defined Terms

Visa Europe CVV2 Card Not Present Interchange Reimbursement FeeAn 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 Electronic Authorized Interchange Reimbursement FeeAn 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.4.

Visa Europe Electronic Commerce Interchange Reimbursement FeeAn 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.6.

Visa Europe Electronic Data Capture Interchange Reimbursement FeeAn 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.5.

Visa Europe EMV Interchange Reimbursement FeeAn 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.3.

Visa Europe Non-Electronic Interchange Reimbursement FeeAn Interchange Reimbursement Fee for any Visa Europe Transaction using a Card (excluding Visa 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;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; andVisa 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 FeeAn 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 Fee An Interchange Reimbursement Fee charged for any Recurring Transaction that is a Visa Europe Transaction using a Card (excluding Visa Commercial Cards and Cards bearing the V PAY Brand Mark) that meets the requirements set out in Visa Europe Operating Regulations, Volume I—General Rules, Section 8.6.E.8.



Defined Terms

Visa Europe Settlement ServiceA 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 SystemSystems operated by Visa Europe or its Affiliates in the provision of services to Visa Inc., Customers or Members.

Visa Europe Transaction A Transaction where the Issuer of the Card used is a Member, and the Merchant Outlet or ATM where the Card is used is located in the Territory. For Transactions completed aboard any passenger transport vehicle such as an aircraft or a cruise line vessel, a Transaction shall be considered a Visa Europe Transaction when the Merchant deposits the Transaction Receipt in the Territory.

Visa Extended Access ServerThe 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 SymbolThe 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.

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 ApplicationOf the two applications on a Visa SimplyOne Card, the Higher Priority Application is the Payment Application encoded as the highest priority on the Chip.

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.



Defined Terms

Visa Inc. CRB Listing RegionRespectively 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.; andLatin 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. Systems Systems operated by Visa Inc. or its Affiliates in the provision of services to Visa Europe, Customers or Members.

Visa Inc. Transaction A Transaction where the issuer of the Card used is a Customer, and the Merchant Outlet or ATM where the Card is used is located outside the Territory. For Transactions completed aboard any passenger transport vehicle such as an aircraft or a cruise line vessel, a Transaction shall be considered a Visa Inc. Transaction when the Merchant deposits the Transaction Receipt outside of the Territory.

Visa Infinite Card A Product Name for a Card that has attributes exceeding those of a Visa Gold Card and a Visa Platinum Card and that is known as the “Visa Infinite Card”.

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 ManagementThe 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.



Defined Terms

Visa Interchange DirectoryA directory established and maintained by Visa Inc. setting out contact information for Members and Processors.

Visa Lower Priority Payment ApplicationOf the two applications on a Visa SimplyOne Card, the Lower Priority Application is the Payment Application encoded as the lowest priority on the Chip.

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 Money Transfer A bank-to-bank money transfer service enabling Cardholders to transfer funds from one Cardholder account to another Card account using the existing relationship with their Issuers, or another Service Provider Member, and Visa Europe.

Visa Money Transfer—Click-ThroughA Card-to-Card money transfer service enabling Cardholders to use the existing relationship with their Issuer to transfer funds from one Visa Card account to another Visa Card account.

Visa Money Transfer—Integrated Click-ThroughA Card-to-Card money transfer service enabling a Service Provider Member’s Cardholder to transfer funds from their Card account to another Card account.

Visa Money Transfer —Fully IntegratedA bank-to-Card money transfer service enabling an individual to transfer funds from a payment source to a Visa Card account through a Service Provider Member. A payment source includes, but is not limited to:

A Card;The individual’s bank account; orCash.

Visa Money Transfer ServiceThe platform provided by Visa Europe, which provides the money transfer processing using Visa Money Transfer as an agent of the participating Service Provider Member.

Visa Money Transfer Service TransferA transfer that comprises of two interdependent Transactions:

The Account Funding Transaction (AFT)—the debit in the funds transfer; andOriginal Credit (OC)—the credit in the funds transfer.

VisaNet The systems and services owned by Visa Inc. (as may be modified or enhanced from time to time), including the V.I.P. System, BASE II and Visa Europe Authorization Service, and related components, through which Online Financial Processing, Authorization, Clearing and Settlement services are delivered to Customers and Members from time to time.

Visa Platinum CardA Product Name for a Card that has attributes equal to or exceeding those of a Visa Gold Card.



Defined Terms

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 ServiceA processing service that enables Settlement, through the Visa System, of funds associated with a Load Transaction to a Prepaid Card at a Prepaid Partner.

Visa Products and Services Products and/or services of the Visa Enterprise relating to financial services, payments, related information technology and information processing services, including credit Cards and debit Cards and Authorization, processing, Clearing and Settlement services marketed, offered, provided, sold or distributed in connection with the Visa Enterprise.

Visa Purchasing Card A Card offered to mid-to-large size companies that is used to manage commercial purchases, excluding Visa Corporate Cards and V Distribution Program Cards.

Visa-Recognised Payment Authentication MethodThe 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; andVerified 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 CardA 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 Card or a Visa Electron Card.

Visa Smart Debit/Credit Personalisation Assistant ProfileA 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 ToolA web-based tool, available from Visa Online, allowing Issuers implementing a Chip program to design the personalisation settings for their Chip Cards, thereby ensuring compliance with Visa Europe requirements and recommendations for their Visa Product. This tool is also known by the acronym VPA.



Defined Terms

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 ServicesVisa 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 The Licensed Mark set out below meeting the specifications set out in the Visa Product Brand Standards.

W WordmarkA 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

A AirlineAirline Transaction Record Data

Requirements A-37, A-49Arbitration

Appeal Filing Fee 2-7Invalid Request 2-5Review Fee 2-6Time Limits 2-4Valid Request 2-5

Arbitration and Compliance Committee 2-5Arbitration Process 2-4

Arbitration Decision 2-6Filing Procedures 2-4Opposing Member’s Response 2-5

Assigning Merchant Category Codes B-1ATM

Transaction Receipts A-128Authorization Requests

Account Number field A-63, A-83, A-65, A-85, A-68, A-88, A-71, A-91, A-69, A-89

Card Acceptor Identification Code field A-70, A-90, A-70, A-90, A-70, A-90

Expiration Date field A-65, A-84, A-85Merchant Category Code field A-65, A-85,

A-63, A-83POS Condition Code field A-67, A-87, A-66,

A-86, A-63, A-83Required data A-63, A-83, A-89, A-68,

A-88Transaction Amount field A-64, A-84, A-70,

A-73, A-90, A-94, A-64, A-84Visa Private-Use Field A-74, A-94, A-74,

A-94Authorization Responses

Account Number field A-63, A-83, A-65, A-85, A-68, A-88, A-71, A-91, A-69, A-89

Card Acceptor Identification Code field A-70, A-90, A-70, A-90, A-70, A-90

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Expiration Date field A-65, A-84, A-85Merchant Category Code field A-65, A-85,

A-63, A-83POS Condition Code field A-67, A-87, A-66,

A-86, A-63, A-83Required data A-63, A-83, A-89, A-68,

A-88Transaction Amount field A-64, A-84, A-70,

A-73, A-90, A-94, A-64, A-84Visa Private-Use Field A-74, A-94, A-74,

A-94

B BASE II Record Requirements A-27Account Number extension field A-28, A-39,

A-28, A-39, A-28, A-40, A-33, A-45, A-105, A-106, A-110

Card Acceptor Identification Code field A-42, A-33, A-45

Documentation Indicator field A-34, A-46Electronic Commerce A-35, A-47Mail/Phone Order A-35, A-47, A-34, A-46,

A-44, A-32Prepaid Card Indicator field A-37, A-49Reason Code field A-32, A-44, A-35, A-47,

A-45, A-44Special Chargeback Indicator field A-35,

A-47, A-34, A-46Merchant Transaction Indicator A-34,

A-46Risk Identification A-34, A-46

Transaction Code Qualifier field A-27, A-39, A-27, A-39, A-28, A-40

Unattended Acceptance Terminal Indicator field A-37, A-48, A-32, A-44

BINLicence Agreement

Instructions A-97Release Form A-112

Instructions A-110– A-111

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Index

BIN Licensee User FormChanging A-106

C Cancelled Recurring Transaction, Reason Code 41 1-137, 1-138

Condition 1 1-139, 1-141, 1-142, 1-143, 1-144Card Recovery Bulletin or Exception File, Reason

Code 70 1-77, 1-79Condition 1 1-81, 1-82, 1-83

Cardholder3-D Secure compliance 3-9

Chargebacklimitations 1-14

Chargeback/Representment Documentation Transmittal A-9

Chip CardEMV Liability shift

Visa Europe, summary A-136Clearing Record

Airline Transaction Record Data Requirements A-37, A-49

ComplianceDocumentation A-26

Counterfeit Transaction, Reason Code 62 1-43Condition 1 1-48, 1-51, 1-54, 1-56

Credit Not Processed, Reason Code 85 1-137, 1-150

Condition 1 1-152, 1-153– 1-154, 1-155, 1-157, 1-158, 1-159, 1-160, 1-161

D Declined Authorization, Reason Code 71 1-77, 1-84

Condition 1 1-85, 1-86, 1-89, 1-90, 1-87– 1-88

Dispute GroupsGroup 1, Request for Information 1-37, 1-43,

1-76, 1-77, 1-103, 1-137, 1-163Dispute resolution

Exhibits A-9Dispute Resolution Forms A-9, A-9– A-10Duplicate Processing, Reason Code 82 1-103,

1-126Condition 1 1-127– 1-128, 1-129, 1-130

E Exceptions to the Arbitration Process 2-7Exhibits

Dispute resolution A-9Expired Card, Reason Code 73 1-77

F Floor LimitsCategory codes B-4

FormsRelease of BIN A-112Visa Interchange Directory Update A-118

Fraud, Card-absent Environment, Reason Code 83 1-43, 1-68

Condition 1 1-69– 1-71, 1-72– 1-74Fraud, Card-present Environment, Reason Code 81

1-43, 1-57

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Condition 1 1-59– 1-61, 1-62– 1-64, 1-65, 1-67Fraudulent Multiple Transactions, Reason Code

57 1-43Condition 1 1-47

I Illegible Fulfillment, Reason Code 60 1-37Condition 1 1-39

Incorrect Currency or Transaction Code or Domestic Transaction Processing Violation, Reason Code 76 1-103, 1-109

Condition 1 1-110, 1-111, 1-112– 1-113, 1-114– 1-115

Incorrect Currency or Txn Code or Domestic Txn Processing Violation, Reason Code 76

Condition 5 1-116Incorrect Transaction Amount or Account

Number, Reason Code 80 1-120Condition 1 1-121, 1-122, 1-123, 1-124, 1-125

Issuer Chargeback FormAuthorization A-13

L Late Presentment, Reason Code 74 1-103, 1-105Condition 1 1-106– 1-107, 1-108

LiabilityLiability shift for Electronic Commerce

Transactions 3-7Licensed software A-125

M Magnetic StripeEMV Liability shift, Visa Europe, post-2005

summary A-136Merchant Category Codes

Assigning B-1Listed in numerical order B-39

Merchant Fraud Performance Program 1-43, 1-75, 1-76

Merchant Fraud Performance Program, Reason Code 93 1-75, 1-76

Message ContentAccount Number field A-55, A-75, A-57,

A-77, A-58, A-78Card Acceptor Identification Code field A-60,

A-80, A-60, A-80, A-60, A-80, A-60, A-80, A-56, A-76, A-60, A-80

Financial Transactions A-55, A-75Merchant Type field A-57, A-77, A-61, A-81Network Identification Code field A-61, A-81POS Condition Code field A-58, A-78, A-57,

A-77, A-55, A-75Retrieval Reference Number field A-58,

A-58– A-90Settlement Amount field A-56, A-76, A-60,

A-80, A-57, A-77, A-56, A-77Transaction Amount field A-56, A-76, A-60,

A-80, A-57, A-77, A-56, A-77, A-56, A-76

VisaNet A-55

FORMATION - Member Use Onlyating Regulations

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Index

Message Reason CodeElectronic Commerce Indicator field A-60,

A-61, A-81Original Data Elements field A-61, A-82Reimbursement Attribute field A-61, A-82Transaction-Specific Data field A-61, A-82Visa Inc/Europe Private-Use field A-61, A-82

Message Type Indicator A-75

N No Authorization, Reason Code 72 1-77Condition 1 1-91– 1-94, 1-95– 1-96

Non-matching Account Number, Reason Code 77 1-103, 1-117, 1-118

Condition 1 1-118, 1-119Non-receipt of Cash or Load Transaction Value at

ATM or Load Device, Reason Code 90 1-163, 1-170

Not as Described or Defective Merchandise, Reason Code 53 1-137, 1-145

Condition 1 1-146– 1-147, 1-148, 1-149

P Paid by Other Means, Reason Code 86 1-103Condition 1 1-131, 1-132

Passenger Itinerary Data A-37, A-49Pre-Arbitration

Acceptance 2-3Rebuttal 2-3

Pre-Arbitration Acceptance 2-3Pre-Arbitration Attempt 2-3Pre-Arbitration Conditions 2-3Pre-Arbitration Rebuttal 2-3Pre-Arbitration Response 2-3Pre-Compliance

Acceptance 3-3Data Compromise Recovery 3-3Rebuttal 3-3

Pre-Compliance Acceptance 3-3Pre-Compliance Attempt 3-3Pre-Compliance Rebuttal 3-3Pre-Compliance Response 3-4

R Reason Code 30, Services Not Provided or Merchandise Not Received 1-163, 1-164, 1-165

Condition 1 1-165, 1-167, 1-169Reason Code 41, Cancelled Recurring

Transaction 1-137, 1-138Condition 1 1-139, 1-141, 1-142, 1-143, 1-144

Reason Code 53, Not as Described or Defective Merchandise 1-137, 1-145

Condition 1 1-146– 1-147, 1-148, 1-149Reason Code 57, Fraudulent Multiple

Transactions 1-43Condition 1 1-47

Reason Code 60, Illegible Fulfillment 1-37Condition 1 1-39

Reason Code 62, Counterfeit Transaction 1-43Condition 1 1-48, 1-51, 1-54, 1-56

Reason Code 70, Card Recovery Bulletin or Exception File 1-77, 1-79

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Condition 1 1-81, 1-82, 1-83Reason Code 71, Declined Authorization 1-77,

1-84Condition 1 1-85, 1-86, 1-89, 1-90,

1-87– 1-88Reason Code 72, No Authorization 1-77

Condition 1 1-91– 1-94, 1-95– 1-96Reason Code 73, Expired Card 1-77Reason Code 74, Late Presentment 1-103, 1-105

Condition 1 1-106– 1-107, 1-108Reason Code 75, Transaction Not Recognized 1-37

Condition 1 1-40Reason Code 76, Incorrect Currency or

Transaction Code or Domestic Transaction Processing Violation 1-103, 1-109

Condition 1 1-110, 1-111, 1-112– 1-113, 1-114– 1-115

Reason Code 76, Merchant did not process a Reversal or an Adjustment within 30 calendar days for a Transaction Receipt in error Violation

Condition 5 1-116Reason Code 77, Non-matching Account

Number 1-103, 1-117, 1-118Condition 1 1-118, 1-119

Reason Code 78, Service Code Violation 1-77Condition 1 1-100, 1-102

Reason Code 80, Incorrect Transaction Amount or Account Number 1-103, 1-120

Condition 1 1-121, 1-122, 1-123, 1-124, 1-125Reason Code 81, Fraud, Card-present

Environment 1-43, 1-57Condition 1 1-59– 1-61, 1-62– 1-64, 1-65, 1-67

Reason Code 82, Duplicate Processing 1-103, 1-126

Condition 1 1-127– 1-128, 1-129, 1-130Reason Code 83, Fraud, Card-absent

Environment 1-43, 1-68Condition 1 1-69– 1-71, 1-72– 1-74

Reason Code 85, Credit Not Processed 1-137, 1-150

Condition 1 1-152, 1-153– 1-154, 1-155, 1-157, 1-158, 1-159, 1-160, 1-161

Reason Code 86, Paid by Other Means 1-103Condition 1 1-131, 1-132

Reason Code 90, Non-receipt of Cash or Load Transaction Value at ATM or Load Device 1-163, 1-170

Reason Code 93, Merchant Fraud Performance Program 1-75, 1-76

Reason Code 96, Transaction Exceeds Limited Amount 1-103

Condition 1 1-134Required Message Content

VisaNet Authorization Requests A-63

S Service Code Violation, Reason Code 78 1-77Condition 1 1-100, 1-102

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Index

Services Not Provided or Merchandise Not Received, Reason Code 30 1-164, 1-165

Condition 1 1-165, 1-167, 1-169Single Message System A-55, A-75Summary of Compliance Documentation A-26

T T&E (Travel and Entertainment) B-1TCR3 record, Airline Transaction Record Data

Requirements A-37, A-49Time Limits 2-4Timeshare Transactions B-2Transaction Exceeds Limited Amount, Reason

Code 96 1-103Condition 1 1-134

Transaction Not Recognized, Reason Code 75 1-37Condition 1 1-40

Transaction ReceiptElectronic, requirements A-128– A-129

Transaction Receiptsformat

ATM A-128Transaction Record

Airline Transaction Record Data Requirements A-37, A-49

TransactionsTimeshare B-2

Travel and Entertainment (T&E) B-1

V Visa Interchange Directory Update Form A-114– A-117, A-118

VisaNetLetter of Agreement A-124Message Content A-55

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FORMATION - Member Use Onlyating Regulations
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Card Acceptance Complaint Form

The Card Acceptance Complaint Form is to be used by Members to report to Visa Europe any Merchant or Cardholder complaints (domestic or international) concerning Card acceptance or Transaction processing issues that are of concern to the Member and are not addressed by existing Chargeback or Compliance rights. Visa Europe maintains a centralized database of these complaints that includes specific information concerning the parties involved and the nature of the complaints. It is used to determine the nature and extent of problems, and also to aid Visa Europe in the evaluation of rule enhancements and the identification of abusive practices, specific problem Merchants or Cardholders, and other patterns of concern.

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

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

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.

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.

Card Acceptance 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 completed by a Member and may not be given to a Cardholder, a Merchant, or any other third party. Members must submit this form and any documentation to Visa Europe.


Member Record Number: _____________________________________ Region Record Number:

Issuer Name: ________________________________________________ BIN:Country: ___________________

Acquirer Name: ______________________________________________ BIN: Country: ___________________

Cardholder Name: ___________________________________________ Account Number: __________________________________________

Cardholder City: _____________________________________________ Cardholder Country:

Acquirer Reference Number: __________________________________ Amount in dispute (in Transaction Currency):

Merchant Name: _____________________________________________ Merchant Address:

Merchant Location (city): _____________________________________ Merchant Category Code Used:

Postal Code: _________________________________________________ Correct Merchant Category Code

Check the description of the complaint most applicable, provide a brief explanation, and attach any documentation.

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: _______________________________________________________


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)

Consumer Dispute Complaint Form

The Consumer Dispute Complaint Form is to be used by Members to report to Visa Europe any Merchant or Cardholder complaints (domestic or international) concerning consumer protection issues that are of concern to the Member and are not addressed by existing Chargeback or Compliance rights. Visa Europe maintains a centralized database of these complaints that includes specific information concerning the parties involved and the nature of the complaints. It is used to determine the nature and extent of problems, and also to aid Visa Europe in the evaluation of rule enhancements and the identification of abusive practices, specific problem Merchants or Cardholders, and other patterns of concern.

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

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


01 Merchandise/Service Not as Described/Expected or Not Received The merchandise or service the Cardholder purchased or contracted for was not as described, not as expected, or not received (for complaints that do not meet existing Chargeback conditions for Chargeback reason codes 30, 53, or 90).

02 Defective Merchandise Merchandise purchased was defective (for complaints that do not meet existing Chargeback conditions for Chargeback reason code 56).

03 No Credit for Returned Merchandise Merchandise was returned by post to the Merchant or returned in person to the Merchant location, and no credit was provided (for complaints that do not meet existing Chargeback conditions for Chargeback reason code 85).

04 Merchant Procedure The Cardholder objects to a questionable Merchant procedure as a condition of sale. Examples include requiring the Cardholder to sign a blank, imprinted Transaction Receipt or depositing a Transaction Receipt that was to be held only as security until the return of rental equipment.

06 Retail Transaction Processed as Cash Disbursement A retail Transaction was processed as a Cash Disbursement, thus subjecting the Cardholder to additional fees and restricting Chargeback rights. Cardholder has evidence of the retail Transaction (for complaints that are not covered by Chargeback reason code 80).

07 Airline, Car Rental, or Hotel Dispute This category is to be used for any Airline, car rental, or Hotel dispute that is not covered in existing Chargeback or Compliance rights.

08 VAT Refund/Other Customs Dispute The Cardholder traveled internationally and did not receive the VAT/TVA refund he believes is due. (VAT is a Value-Added Tax which may be refunded to foreign customers under certain conditions.) Any other customs-related dispute must be clearly explained.

10 Canceled Transaction The Transaction was canceled in process. The Cardholder never took possession of the merchandise or received any services.

14 Alleged Fraudulent MO/TO Solicitation Scheme The Cardholder was the victim of a fraudulent telephone or direct mail contest or lottery scheme. For example, the Cardholder may have been coerced into providing his Account Number as “identification” to claim a “prize” and later was charged for merchandise which was not ordered (and may or may not have been received), or the Cardholder was guaranteed to win a certain amount by purchasing lottery tickets either by telephone or mail.

99 Other The Cardholder complaint is not addressed in any individual category, but the Member feels Visa Europe should be informed. A detailed description of the complaint must be provided by the submitting Member. This category may be used for any Merchant complaints.

Consumer Dispute Complaint Form

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: _______________________________________________________


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 Disbursement

07 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/Intimidation

99 Other (provide detailed explanation)

Visa Europe Publications Order Form

To order printed copies of the Visa Europe Operating Regulations, your organisation must be a Principal Member or a Group Member. If your organisation is not a Principal Member or a Group Member, please request the operating regulations through your sponsoring Principal Member or Group Member. The operating regulations are available in both electronic and paper format. Electronic versions of the Visa Europe Operating Regulations are available at Visa Online.

Subscription Orders - If you wish to receive paper copies of the latest edition of the Visa Europe Operating Regulations and to continue receiving copies when new editions are printed, you must make a request in the “Subscription Order” area of this form.

One-Time Orders - If you wish to receive paper copies of the latest Visa Europe Operating Regulations, you must make a request in the “One-Time Order” area of this form.

All printed versions of the Visa Europe Operating Regulations cost €50 per book. Members will be billed at the end of the month in which their order is shipped.

Subscription Orders

One-Time Order

Subscriber Information

Please type or print clearly. All information must be completed.

Please complete this form and then either; email a scanned copy to the operating regulations email address: [email protected]; or post it to: Operating Regulations Department, Visa Europe, P.O. Box 39662, London W2 6WH, United Kingdom.

Publication Name Pub ID Quantity

Visa Europe Operating Regulations—Volume I, General Rules 10001 __________

Visa Europe Operating Regulations—Volume II, Dispute Resolution Rules 10002 __________

V PAY Operating Regulations 10003 __________

Visa Europe Operating Regulations—United Kingdom (UK Members only) 10004 __________

Visa Europe Articles of Association, Membership Regulations and Bylaws 10005 __________

Publication Name Pub ID Quantity

Visa Europe Operating Regulations—Volume I, General Rules 10001 __________

Visa Europe Operating Regulations—Volume II, Dispute Resolution Rules 10002 __________

V PAY Operating Regulations 10003 __________

Visa Europe Operating Regulations—United Kingdom (UK Members only) 10004 __________

Visa Europe Articles of Association, Membership Regulations and Bylaws 10005 __________

Principal Member Business ID: _____________________________________ Billable BIN: _______________

Member Name: ____________________________________________________ Telephone: _______________

Contact Name: ____________________________________________________

Legal Address: ____________________________________________________

Address Line 2: ____________________________________________________

Address Line 3: ____________________________________________________

Visa Europe Operating Regulations Comment Form

It is the intention of the Visa Europe Operating Regulations development staff to make our publications easy to use and understand. Please use this form to forward any suggestions you may have for improving this document. All input is welcome.

Member Information

Comments


Principal Member Business ID: ____________________________________ Billable BIN: ______________

Member Name: ____________________________________________________ Telephone: ______________

Contact Name: ____________________________________________________

Legal Address: ____________________________________________________

Address Line 2: ____________________________________________________

Address Line 3: ____________________________________________________