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Interlink Operating Regulations

The document outlines the Interlink Core Rules and Interlink Product and Service Rules, which govern the participation of financial institutions in the Interlink system. It emphasizes the importance of protecting cardholders and merchants while maintaining the integrity of the system, and includes various sections detailing governance, transaction processing, risk management, and compliance. The rules are region-specific and cannot be duplicated without permission from Visa.

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100% found this document useful (1 vote)

101 views374 pages

Interlink Operating Regulations

Uploaded by

brahimnewghazi

We take content rights seriously. If you suspect this is your content, claim it here.

Available Formats

Download as PDF, TXT or read online on Scribd

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Interlink Core Rules and

Interlink Product and Service Rules

19 October 2024
© 2014—2024 Visa. All Rights Reserved.
The trademarks, logos, trade names and service marks, whether registered or unregistered
(collectively the “Trademarks”) are Trademarks owned by Visa. All other trademarks not
attributed to Visa are the property of their respective owners.
Visa is committed to providing our partners and interested parties with greater insight into
Visa’s operations. As part of our effort, we are pleased to provide access to the latest edition
of the Interlink Core Rules and Interlink Product and Service Rules, which govern participation
of our financial institution clients in the Interlink system.
To protect cardholders and merchants and maintain the integrity of the Interlink system, we
have omitted proprietary and competitive information, as well as certain details from the rules
relating to the security of the network.
Any regional or country-specific rules within the Interlink Core Rules and Interlink Product and
Service Rules apply only to the operations of financial clients within the relevant region or
country, and any rules marked with the name of a region(s) or country(ies) are applicable to
financial institutions operating in that region(s) or country(ies) only.
The Interlink Rules must not be duplicated, in whole or in part, without prior written
permission from Visa.
If you have questions about the Interlink Rules, please contact us.
Contents
Interlink Core Rules and Interlink Product and Service Rules

Contents

Contents 3

Tables 16

Summary of Changes 24

Summary of Changes since the 13 April 2024 Interlink Core Rules and Interlink Product and
Service Rules 24

Introduction 30

The Interlink Rules 30

1 Interlink Core Rules 33

1.1 General 33

1.1.1 Governance 33

1.1.2 Waivers 34

1.1.3 Operating Certificates 35

1.1.4 Confidentiality 35

1.1.5 Interlink Rights 38

1.1.6 Use of VisaNet 40

1.2 Reserved for Future Use 41

1.3 Use of Marks 41

1.3.1 Ownership of Interlink Marks 41

1.3.2 General Use of Marks 41

1.3.3 Integrity Risk 44

1.4 Issuance 44

1.4.1 Notification and Disclosure 44

1.4.2 Issuer Operational Standards 45

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1.4.4 Zero Liability 46

1.5 Acceptance 46

1.5.1 General Acquirer Requirements 46

1.5.2 Merchant Agreements 49

1.5.3 Marks Display 50

1.5.4 Card Acceptance 50

1.5.5 Card Acceptance Prohibitions 51

1.5.6 Transaction Receipts 51

1.5.7 Merchant Deposits 52

1.6 Reserved for Future Use 54

1.7 Transaction Processing 54

1.7.1 Data Requirements 54

1.7.2 Settlement 54

1.8 Reserved for Future Use 55

1.9 Risk 55

1.9.1 Corporate Risk Reduction 55

1.9.2 Integrity Risk 59

1.9.3 Information Security 60

1.9.4 Agents 61

1.10 Dispute Resolution 62

1.10.1 Disputes 62

1.10.2 Arbitration and Compliance 63

1.11 Fees and Non-Compliance Assessments 65

1.11.1 Fee Assessment by Interlink 65

19 October 2024 Visa Public 4

1.11.2 Non-Compliance Assessments 65

2 Licensing and Numerics Management 72

2.1 Membership 72

2.1.1 Termination of Membership 72

2.2 BIN and Acquiring Identifier License and Administration 72

2.2.1 BIN and Acquiring Identifier Use and License 72

2.2.2 Administration of BINs, Acquiring Identifiers, and Numerics 72

2.3 Marks License 74

2.3.1 Marks License Grant 74

2.4 Visa US Regulation II Certification Program 74

2.4.1 Visa US Regulation II Certification Program – US Region and US Territories 74

2.5 Non-Interlink-Assigned BINs and Acquiring Identifiers 75

2.5.1 Non-Interlink-Assigned BINs and Acquiring Identifiers 75

3 Brand Marks 76

3.1 Marks License 76

3.1.1 Affinity/Co-Branded Card Programs 76

3.2 Use of Marks 77

3.2.1 Use of Marks by Members and Merchants 77

3.3 Point-of-Transaction Display of Marks 78

3.3.1 Display of Marks at the Point of Sale 78

4 Issuance 80

4.1 General Issuance 80

4.1.1 General Issuer Requirements 80

4.1.2 Issuer Disclosures to Cardholders 83

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4.1.3 Affinity/Co-Brand Issuance 83

4.1.4 Data Retention and Transmission 85

4.1.5 Provisional Credit 85

4.1.6 Chip Issuance Requirements 86

4.1.7 Token Transaction Processing 92

4.1.8 Pass-Through Digital Wallet Requirements 92

4.2 Interlink Card Issuance 93

4.2.1 Interlink Card – Issuer Requirements 93

4.2.2 Check Card Issuer Pre-Authorization Requirements 93

4.3 Campus Cards – US Region 95

4.3.1 Campus Card – Issuer Requirements – US Region 95

4.4 Prepaid 96

4.4.2 Prepaid – General Purpose/Load Requirements 96

5 Acceptance 97

5.1 Responsibilities Related to Information and Notification 97

5.1.1 General Acceptance Requirements 97

5.2 Acquirer Responsibilities Related to Merchants 99

5.2.1 Merchant Agreements and Merchant Relationships 99

5.3 Payment Facilitators, Digital Wallet Operators, and Marketplaces 102

5.3.1 Acquirer Responsibilities and Liabilities in Marketplace, Payment Facilitator, and

Digital Wallet Operator Agreements 102

5.3.2 Payment Facilitator, Digital Wallet Operator, Marketplace, Ramp Provider

Responsibilities and Requirements 108

5.3.3 Digital Wallet Operators 110

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5.3.4 Acquirer Responsibility for Marketplaces 112

5.3.5 Ramp Provider Acquirer Requirements 115

5.4 Merchant and Cardholder Interaction 118

5.4.1 Conditions of Card Acceptance 118

5.4.2 Cardholder Validation with PIN 118

5.4.3 Merchant Use of Cardholder Account Information 119

5.5 Convenience Fees, and Service Fees 120

5.5.1 Convenience Fees – Allowances, Requirements, Restrictions, Amounts, and

Disclosures 120

5.5.2 Service Fees – Allowances, Requirements, Restrictions, Amounts, and Disclosures 120

5.6 Acceptance Devices 122

5.6.1 Acceptance Device Requirements 122

5.6.2 Chip-Reading Device Requirements 127

5.6.3 Unattended Cardholder-Activated Terminals 128

5.7 Merchant Authorization Requirements 129

5.7.1 Non-Standard Authorizations 129

5.7.2 Merchant Authorization Processing 130

5.8 Specific Acceptance Environments and Procedures 134

5.8.1 Cash, Cash Equivalents, and Prepaid 134

5.8.2 Chip 136

5.8.3 Electronic Commerce 137

5.8.4 Mail/Phone Order Transactions 139

5.8.5 Aggregated Transactions 139

5.8.6 T&E and Rental Transactions 140

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5.8.7 Dynamic Currency Conversion 143

5.8.8 Advance Payments and Repeated Payments 144

5.8.9 Debt Repayment 149

5.8.10 Up-Selling and Negative Option Merchants 150

5.8.11 Gambling 152

5.8.12 Staged Digital Wallets and Stored Value Digital Wallets 154

5.8.13 Interlink Rent Payment Program 154

5.8.14 Collection Requirements for a Debt or an Overdue Receivable Transaction 155

5.8.15 Healthcare/Workplace Benefits 156

5.8.16 Multi-Currency Pricing 157

5.9 Transaction Receipt Requirements 157

5.9.1 Transaction Receipt Delivery to Cardholders 157

5.9.2 Transaction Receipt Data and Format Requirements 159

5.10 Returns, Credits, and Refunds 164

5.10.1 Merchant Processing 164

5.11 Payment Solution Providers 165

5.11.1 Acquirer Requirements for Consumer Bill Payment Service Providers 165

6 Reserved for Future Use 169

7 Transaction Processing 170

7.1 VisaNet Systems Use 170

7.1.1 Interlink Switch 170

7.1.2 Access to Visa/Interlink Systems 171

7.1.3 Visa Merchant Direct Exchange 171

7.2 Authorization 172

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7.2.1 Stand-In Processing Service Participation 172

7.2.2 Authorization Processing 173

7.2.3 Member Provision of Authorization Services 173

7.2.4 Authorization Reversals and Authorization Holds 174

7.2.5 Declines 175

7.2.6 Partial Authorization 177

7.2.7 Account Verification 183

7.2.8 Pre-Authorization 184

7.2.9 Stop Payment Service 184

7.3 Merchant Interface System 185

7.3.1 Merchant Interface System Processing 185

7.4 Processing of Specific Transaction Types 186

7.4.1 Account Funding Transactions 186

7.4.3 Transaction Reversals 188

7.4.4 Quasi-Cash Transactions 188

7.4.5 Bill Payment Transactions 189

7.4.6 Transactions Involving Cryptocurrency 189

7.5 Transaction Data Accuracy 193

7.5.1 Interlink Transaction Adjustments 193

7.5.2 Transaction Corrections 193

7.5.3 Merchant Data 194

7.6 Settlement 194

7.6.1 Funds Transfer Requirements 194

8 Processing Products 196

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8.1 Use of Interlink Systems 196

8.1.1 VisaNet Access Points 196

8.1.2 Visa Merchant Direct Exchange 197

8.2 Original Credit Transactions 197

8.2.1 Original Credit Transactions – Originating Requirements 197

8.2.2 Original Credit Transactions – Recipient Issuer Requirements 198

8.2.3 Original Credit Transactions – Fast Funds 199

8.3 Visa Innovation Center 199

8.3.1 Confidentiality of Information Exchanged in Relation to a Visa Innovation Center

Engagement 199

8.3.2 Ownership of Intellectual Property in Relation to a Visa Innovation Center

Engagement 200

8.3.3 Member License to Use Intellectual Property Developed in a Visa Innovation Center
Engagement 201

9 Interchange 202

9.1 General Interchange Requirements 202

9.1.1 Interchange Reimbursement Fees 202

9.2 Interchange Reimbursement Fee Programs 203

9.2.1 Supermarket Interchange Reimbursement Fee 203

9.3 Interchange Reimbursement Fee Compliance Program 203

9.3.1 Interchange Reimbursement Fee Compliance 203

10 Risk 205

10.1 Corporate Risk Reduction 205

10.1.1 Anti-Money Laundering 205

10.1.2 Electronic Commerce Merchant Requirements 205

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10.2 Agents and Processors 206

10.2.1 Member Requirements Related to VisaNet Processors 206

10.2.2 Member Requirements Related to Third Party Agents 210

10.3 Account and Transaction Information Security 216

10.3.1 Account, Cardholder, and Transaction Information Security 216

10.3.2 Confidential Consumer Cardholder Information 217

10.4 Activity and Compliance Monitoring 218

10.4.1 Member Activity Monitoring Requirements 218

10.4.2 Dispute Monitoring 218

10.4.3 Merchant Fraud Monitoring 219

10.4.4 High-Integrity Risk Activity 219

10.4.5 High-Integrity Risk Payment Facilitator Requirements 221

10.5 Integrity Risk 222

10.5.1 Visa Integrity Risk 222

10.6 Account Data Compromise 222

10.6.1 Global Compromised Account Recovery (GCAR) Program 222

10.7 PIN Security Requirements 223

10.7.1 PIN Requirements 223

10.8 Terminated Merchants 223

10.8.1 Retention of Merchant Records 223

10.8.2 Required Use of Terminated Merchant Database 224

10.9 Visa Risk Products 225

10.9.1 Address Verification Service (AVS) 225

10.9.2 Card Verification Value (CVV) and Card Verification Value 2 (CVV2) 227

19 October 2024 Visa Public 11

10.10 Advanced Authorization 228

10.10.1 Visa Advanced Authorization 228

10.11 Transaction Alerts 229

10.11.1 Transaction Alerts Requirements 229

11 Dispute Resolution 230

11.1 Responsibilities for Dispute Resolution 230

11.1.1 Mutual Assistance Between Members 230

11.1.2 Issuer Responsibilities to Cardholders for Dispute Resolution 230

11.1.3 Interlink Right to Grant Exceptions to Dispute Processing Requirements 230

11.2 Dispute Resolution General Requirements 231

11.2.1 Dispute Resolution Process General Requirements 231

11.2.2 Dispute Resolution Process – Applicability of US Regional Rules 231

11.2.3 Dispute Resolution Process – Dispute Category 10 (Fraud) 232

11.2.4 Dispute Resolution Process – Dispute Category 12 (Processing Errors) and 13

(Consumer Disputes) 233

11.3 Use of Interlink Systems 235

11.3.1 Use of Visa/Interlink Systems for Dispute Processing 235

11.3.2 Transaction Processing Requirements 236

11.3.3 Reversal of a Dispute 236

11.4 Dispute Amount 237

11.4.1 Dispute and Dispute Response Amount General Requirements 237

11.4.2 Currency Conversion Difference 237

11.4.3 Minimum Dispute Amounts 237

11.5 Dispute Rights and Restrictions 238

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11.5.1 Prohibition of Multiple Transactions in a Dispute 238

11.5.2 Use of Compelling Evidence 238

11.6 Dispute Categories and Conditions 242

11.6.1 Dispute Categories Table Format 242

11.7 Dispute Category 10: Fraud 243

11.7.1 Dispute Category 10: Cardholder Letter or Certification Requirements 243

11.7.2 Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud 243

11.7.3 Dispute Condition 10.4: Other Fraud – Card-Absent Environment 247

11.8 Dispute Category 11: Authorization 253

11.8.1 Dispute Condition 11.3: No Authorization/Late Presentment 253

11.9 Dispute Category 12: Processing Errors 257

11.9.1 Dispute Condition 12.2: Incorrect Transaction Code 257

11.9.2 Dispute Condition 12.3: Incorrect Currency 259

11.9.3 Dispute Condition 12.4: Incorrect Account Number 263

11.9.4 Dispute Condition 12.5: Incorrect Amount 265

11.9.5 Dispute Condition 12.6: Duplicate Processing/Paid by Other Means 268

11.9.6 Dispute Condition 12.7: Invalid Data 271

11.10 Dispute Category 13: Consumer Disputes 274

11.10.1 Dispute Category 13: Cardholder Letter Requirements 274

11.10.2 Dispute Condition 13.1: Merchandise/Services Not Received 274

11.10.3 Dispute Condition 13.2: Cancelled Recurring Transaction 280

11.10.4 Dispute Condition 13.3: Not as Described or Defective Merchandise/Services 284

11.10.5 Dispute Condition 13.4: Counterfeit Merchandise 291

11.10.6 Dispute Condition 13.5: Misrepresentation 294

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11.10.7 Dispute Condition 13.6: Credit Not Processed 298

11.10.8 Dispute Condition 13.7: Cancelled Merchandise/Services 301

11.10.9 Dispute Condition 13.8: Original Credit Transaction Not Accepted 307

11.11 Arbitration 308

11.11.1 Required Documentation for Arbitration 308

11.12 Compliance 309

11.12.1 Compliance Filing Conditions 309

11.12.2 Compliance Time Limits 309

11.12.3 Compliance Conditions and Required Documentation 310

11.12.4 Data Compromise Recovery 312

11.13 Arbitration and Compliance Decision 312

11.13.1 Arbitration and Compliance Filing Authority 312

11.13.2 Use of V.I.P. System Authorization Records in Arbitration and Compliance 312

11.13.3 Withdrawal of an Arbitration or Compliance Case 312

11.13.4 Conditions for an Appeal to the Arbitration and Compliance Committee 313

11.13.5 Appeal Time Limit 313

11.13.6 Appeal Review Fee 313

12 Fees and Non-Compliance Assessments 314

12.1 Issuance Non-Compliance Assessments 314

12.1.1 Fraud Activity Reporting Non-Compliance Assessments 314

12.2 Acceptance Non-Compliance Assessments 315

12.2.1 Marketplace Non-Compliance Assessments 315

12.2.2 Dynamic Currency Conversion (DCC) 316

12.4 Risk Non-Compliance Assessments 316

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12.4.1 Account and Transaction Information Security Non-Compliance Assessments 316

12.4.2 Anti-Money Laundering Program Non-Compliance Assessments 318

12.4.3 Authentication Non-Compliance Assessments 318

12.4.4 Visa Monitoring Program Non-Compliance Assessments 318

12.4.6 Non-Compliance Assessments Related to Agents 319

12.5 Fees – General 319

12.5.1 Fee Assessment and Responsibility 319

12.6 Member-to-Member Fees 322

12.6.1 Fee Assessment and Responsibility 322

Appendix A 326

Visa Supplemental Requirements 326

Glossary 330

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Tables

Table 1-1: Allowed Merchant Outlet Locations for Card-Present Transactions 47

Table 1-2: Allowed Additional Merchant Outlet Locations for Card-Absent Interlink
Transactions 48

Table 1-3: General Schedule of Non-Compliance Assessments – Tier 1 66

Table 1-4: General Schedule of Non-Compliance Assessments – Tier 2 67

Table 1-5: Non-Compliance Assessments for Significant Violations of the Interlink Rules 70

Table 4-1: Contactless Payment Device Issuer Requirements 86

Table 5-1: Acceptance Device Requirements 122

Table 5-2: General Approval Response Validity Timeframes 132

Table 5-3: Conditions for Amended Amounts and Delayed Charges 141

Table 5-4: General Requirements for Partial Payments, Advance Payments, and
Transactions Using Stored Credentials 145

Table 5-5: Transaction-Specific Requirements for Partial Payments, Advance Payments, and
Transactions Using Stored Credentials 146

Table 5-6: Processing Requirements for Transactions Using Stored Credentials 148

Table 5-7: Debt Repayment Transaction Requirements 149

Table 5-8: Required Content for Up-Selling Transactions 150

Table 5-9: Required Disclosure/Transaction Receipt/Notification Content and Format for

Negative Option Transactions 152

Table 5-10: Transaction Receipt Delivery to Cardholders 157

Table 5-11: Required Transaction Receipt Content for All Transactions 160

Table 5-12: Required Transaction Receipt Content for Specific Transactions 161

Table 5-13: Consumer Bill Payment Service Provider – Allowed MCCs 167

Table 7-1: Decline Response Code Use 175

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Table 7-2: Acquirer Participation in the Partial Authorization Service 177

Table 7-3: Funds Hold Release Requirements 180

Table 7-4: Issuer Participation in the Partial Authorization Service 181

Table 7-5: Required Partial Authorization Service Merchant Participation 182

Table 7-6: Non-Fiat Currency and Non-Fungible Token (NFT) Transaction Coding 190

Table 9-1: Payment of Interchange Reimbursement Fees 202

Table 11-1: Dispute Resolution Process Steps – Category 10 (Fraud) 232

Table 11-2: Dispute Resolution Process Steps – Category 12 (Processing Errors) and
Category 13 (Consumer Disputes) 234

Table 11-3: Financial Message Types – Category 10 (Fraud) 236

Table 11-4: Financial Message Types – Category 12 (Processing Errors) and Category 13
(Consumer Disputes) 236

Table 11-5: Minimum Dispute Amount 238

Table 11-6: Allowable Compelling Evidence 238

Table 11-7: Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Dispute Reasons 243

Table 11-8: Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Dispute Rights 244

Table 11-9: Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Invalid Disputes 245

Table 11-10: Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Dispute Time
Limit 245

Table 11-11: Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Dispute
Processing Requirements 246

Table 11-12: Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Pre-Arbitration
Processing Requirements 246

Table 11-13: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Dispute
Reasons 247

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Table 11-14: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Dispute
Rights 247

Table 11-15: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Invalid
Disputes 248

Table 11-16: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Dispute
Time Limit 251

Table 11-17: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Dispute
Processing Requirements 251

Table 11-18: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Pre-
Arbitration Processing Requirements 251

Table 11-19: Dispute Condition 11.3: No Authorization/Late Presentment – Dispute

Reasons 253

Table 11-20: Dispute Condition 11.3: No Authorization/Late Presentment – Dispute Rights 254

Table 11-21: Dispute Condition 11.3: No Authorization/Late Presentment – Invalid

Disputes 254

Table 11-22: Dispute Condition 11.3: No Authorization/Late Presentment – Dispute Time

Limit 255

Table 11-23: Dispute Condition 11.3: No Authorization/Late Presentment –

Documentation/Certification 255

Table 11-24: Dispute Condition 11.3: No Authorization/Late Presentment – Pre-Arbitration

Processing Requirements 256

Table 11-25: Dispute Condition 12.2: Incorrect Transaction Code – Dispute Reasons 257

Table 11-26: Dispute Condition 12.2: Incorrect Transaction Code – Dispute Rights 258

Table 11-27: Dispute Condition 12.2: Incorrect Transaction Code – Dispute Time Limit 258

Table 11-28: Dispute Condition 12.2: Incorrect Transaction Code – Dispute Processing
Requirements 258

Table 11-29: Dispute Condition 12.2: Incorrect Transaction Code – Dispute Response
Processing Requirements 259

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Table 11-30: Dispute Condition 12.3: Incorrect Currency – Dispute Reasons 260

Table 11-31: Dispute Condition 12.3: Incorrect Currency – Dispute Rights 260

Table 11-32: Dispute Condition 12.3: Incorrect Currency – Invalid Disputes 260

Table 11-33: Dispute Condition 12.3: Incorrect Currency – Dispute Time Limit 261

Table 11-34: Dispute Condition 12.3: Incorrect Currency – Dispute Processing

Requirements 261

Table 11-35: Dispute Condition 12.3: Incorrect Currency – Dispute Response Rights 261

Table 11-36: Dispute Condition 12.3: Incorrect Currency – Dispute Response Processing
Requirements 262

Table 11-37: Dispute Condition 12.3: Incorrect Currency – Pre-Arbitration attempt 263

Table 11-38: Dispute Condition 12.4: Incorrect Account Number – Dispute Reasons 263

Table 11-39: Dispute Condition 12.4: Incorrect Account Number – Invalid Disputes 264

Table 11-40: Dispute Condition 12.4: Incorrect Account Number – Dispute Time Limit 264

Table 11-41: Dispute Condition 12.4: Incorrect Account Number – Dispute Response
Processing Requirements 265

Table 11-42: Dispute Condition 12.5: Incorrect Amount – Dispute Reasons 265

Table 11-43: Dispute Condition 12.5: Incorrect Amount – Dispute Rights 266

Table 11-44: Dispute Condition 12.5: Incorrect Amount – Invalid Disputes 266

Table 11-45: Dispute Condition 12.5: Incorrect Amount – Dispute Time Limit 267

Table 11-46: Dispute Condition 12.5: Incorrect Amount – Dispute Processing Requirements 267

Table 11-47: Dispute Condition 12.5: Incorrect Amount – Dispute Response Processing
Requirements 267

Table 11-48: Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Dispute
Reasons 268

Table 11-49: Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Dispute
Rights 269

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Table 11-50: Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Invalid
Disputes 269

Table 11-51: Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Dispute
Time Limit 270

Table 11-52: Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Dispute
Processing Requirements 270

Table 11-53: Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Dispute
Response Processing Requirements 271

Table 11-54: Dispute Condition 12.7: Invalid Data – Dispute Reasons 272

Table 11-55: Dispute Condition 12.7 Invalid Data – Dispute Rights 272

Table 11-56: Dispute Condition 12.7: Invalid Data – Dispute Time Limit 272

Table 11-57: Dispute Condition 12.7: Invalid Data – Dispute Processing Requirements 273

Table 11-58: Dispute Condition 12.7: Invalid Data – Dispute Response Processing
Requirements 273

Table 11-59: Dispute Condition 13.1: Merchandise/Services Not Received – Dispute

Reasons 274

Table 11-60: Dispute Condition 13.1: Merchandise/Services Not Received – Dispute Rights 275

Table 11-61: Dispute Condition 13.1: Merchandise/Services Not Received – Invalid

Disputes 275

Table 11-62: Dispute Condition 13.1: Merchandise/Services Not Received – Dispute Time
Limit 276

Table 11-63: Dispute Condition 13.1: Merchandise/Services Not Received – Dispute

Processing Requirements 277

Table 11-64: Dispute Condition 13.1: Merchandise/Services Not Received – Dispute

Response Processing Requirements 279

Table 11-65: Dispute Condition 13.1: Merchandise/Services Not Received – Pre-Arbitration

attempt 280

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Table 11-66: Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Reasons 280

Table 11-67: Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Rights 281

Table 11-68: Dispute Condition 13.2: Cancelled Recurring Transaction – Invalid Disputes 281

Table 11-69: Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Time Limit 281

Table 11-70: Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Processing
Requirements 282

Table 11-71: Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Response
Processing Requirements 282

Table 11-72: Dispute Condition 13.2: Cancelled Recurring Transaction – Pre-Arbitration

attempt 283

Table 11-73: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

– Dispute Reasons 284

Table 11-74: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

– Dispute Rights 285

Table 11-75: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

– Invalid Disputes 286

Table 11-76: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

– Dispute Time Limit 286

Table 11-77: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

– Dispute Processing Requirements 287

Table 11-78: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

– Dispute Response Processing Requirements 289

Table 11-79: Dispute Condition 13.3: Not as Described or Defective Merchandise/Service –

Pre-Arbitration attempt 290

Table 11-80: Dispute Condition 13.4: Counterfeit Merchandise – Dispute Reasons 291

Table 11-81: Dispute Condition 13.4: Counterfeit Merchandise – Dispute Rights 291

Table 11-82: Dispute Condition 13.4: Counterfeit Merchandise – Invalid Disputes 292

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Table 11-83: Dispute Condition 13.4: Counterfeit Merchandise – Dispute Time Limit 292

Table 11-84: Dispute Condition 13.4: Counterfeit Merchandise – Dispute Processing

Requirements 292

Table 11-85: Dispute Condition 13.4: Counterfeit Merchandise – Dispute Response

Processing Requirements 293

Table 11-86: Dispute Condition 13.5: Misrepresentation – Dispute Reasons 294

Table 11-87: Dispute Condition 13.5: Misrepresentation – Dispute Rights 294

Table 11-88: Dispute Condition 13.5: Misrepresentation – Invalid Disputes 296

Table 11-89: Dispute Condition 13.5: Misrepresentation – Dispute Time Limit 296

Table 11-90: Dispute Condition 13.5: Misrepresentation – Dispute Processing

Requirements 297

Table 11-91: Dispute Condition 13.5: Misrepresentation – Dispute Response Processing

Requirements 298

Table 11-92: Dispute Condition 13.6: Credit Not Processed – Dispute Reasons 299

Table 11-93: Dispute Condition 13.6: Credit Not Processed – Dispute Rights 299

Table 11-94: Dispute Condition 13.6: Credit Not Processed – Invalid Disputes 299

Table 11-95: Dispute Condition 13.6: Credit Not Processed – Dispute Time Limit 300

Table 11-96: Dispute Condition 13.6: Credit Not Processed – Dispute Processing
Requirements 300

Table 11-97: Dispute Condition 13.6: Credit Not Processed – Dispute Response Processing
Requirements 301

Table 11-98: Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Reasons 301

Table 11-99: Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Rights 302

Table 11-100: Dispute Condition 13.7: Cancelled Merchandise/Services – Invalid Disputes 303

Table 11-101: Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Time

Limit 304

19 October 2024 Visa Public 22

Table 11-102: Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute

Processing Requirements 304

Table 11-103: Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Response

Processing Requirements 306

Table 11-104: Dispute Condition 13.7: Cancelled Merchandise/Services – Pre-Arbitration

attempt 306

Table 11-105: Dispute Condition 13.8: Original Credit Transaction Not Accepted – Dispute
Reasons 307

Table 11-106: Dispute Condition 13.8: Original Credit Transaction Not Accepted – Dispute
Time Limit 307

Table 11-107: Dispute Condition 13.8: Original Credit Transaction Not Accepted – Dispute
Processing Requirements 308

Table 11-108: Dispute Condition 13.8: Original Credit Transaction Not Accepted – Dispute
Response Processing Requirements 308

Table 11-109: Pre-Compliance Time Limits 309

Table 11-110: Compliance Time Limits 310

Table 11-111: Chargeback Reduction Service Returned or VROL Prevented Valid Dispute,
Dispute Response, or Pre-Arbitration Attempt for Invalid Data 311

Table 11-112: Rapid Dispute Resolution – Credit Issued 311

Table 12-1: Member Non-Compliance Assessments for Non-Compliance with the Chip
Interoperability Compliance Program 314

Table 12-2: Non-Compliance Assessments for Member Failure to Meet Marketplace

Requirements 315

19 October 2024 Visa Public 23

Summary of Changes

Summary of Changes since the 13 April 2024 Interlink Core Rules and
Interlink Product and Service Rules
This section provides an overview of all the changes that have been made to the Interlink Core Rules
and Interlink Product and Service Rules since its last publication.
In addition to the changes detailed in the table below, editorial revisions have been made to ensure
consistency and clarity and to delete obsolete or redundant language, and most effective dates
older than 6 months have been deleted.

Change Overview

Account Information Security (AIS) Program Enhancements

Effective 25 April 2024 and 20 July 2024

Rules impacted:

Section 12.4.1.1, Account Information Security Program Non-Compliance Assessments, ID# 0008193

Section 12.4.1.2, Account and Transaction Information Security Requirements, ID# 0001753

Compliance and Risk Programs Rules Optimized

Effective 20 July 2024

Rules impacted:

Section 10.5.1.1, Visa Integrity Risk Program Data Quality, ID# 0026335

Section 12.4.2.1, Failure to Return an Anti-Money Laundering/Anti-Terrorist Financing Questionnaire Non-

Compliance Assessments, ID# 0026362

Section 12.4.6.1, Third Party Agent Non-Compliance Assessments, ID# 0025901

Dispute Resolution Rules Updated

Effective 19 October 2024

Rules impacted:

Section 1.10.1.1, Attempt to Settle, ID# 0003287

Section 1.10.2.2, Arbitration and Compliance Decision, ID# 0027133

Section 11.2.1, Dispute Resolution Process General Requirements, ID# 0030211

19 October 2024 Visa Public 24

Change Overview

Section 11.2.3, Dispute Resolution Process – Dispute Category 10 (Fraud), ID# 0030212

Section 11.2.4, Dispute Resolution Process – Dispute Category 12 (Processing Errors) and 13 (Consumer
Disputes), ID# 0030213

Section 11.3.1, Use of Visa/Interlink Systems for Dispute Processing, ID# 0030214

Section 11.3.3, Reversal of a Dispute, ID# 0030216

Section 11.5.2, Use of Compelling Evidence, ID# 0030221

Section 11.7.1, Dispute Category 10: Cardholder Letter or Certification Requirements, ID# 0030223

Section 11.7.2.2, Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Dispute Rights, ID# 0030234

Section 11.7.2.5, Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Dispute Processing
Requirements, ID# 0030237

Section 11.7.3.3, Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Invalid Disputes, ID#
0030254

Section 11.7.3.6, Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Pre-Arbitration
Processing Requirements, ID# 0030257

Section 11.8.1.5, Dispute Condition 11.3: No Authorization/Late Presentment – Documentation/Certification,

ID# 0031082

Section 11.8.1.6, Dispute Condition 11.3: No Authorization/Late Presentment – Pre-Arbitration Processing

Requirements, ID# 0030274

Section 11.9.2.7, Dispute Condition 12.3: Incorrect Currency – Dispute Response Processing Requirements,
ID# 0030291

Section 11.9.2.8, Dispute Condition 12.3: Incorrect Currency – Pre-Arbitration Attempt, ID# 0031083

Section 11.9.3.4, Dispute Condition 12.4: Incorrect Account Number – Dispute Response Processing
Requirements, ID# 0030295

Section 11.9.4.5, Dispute Condition 12.5: Incorrect Amount – Dispute Processing Requirements, ID# 0030300

Section 11.9.5.1, Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Dispute Reasons, ID#
0030302

Section 11.9.5.5, Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Dispute Processing
Requirements, ID# 0030306

Section 11.9.5.6, Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Dispute Response
Processing Requirements, ID# 0030307

19 October 2024 Visa Public 25

Change Overview

Section 11.10.1, Dispute Category 13: Cardholder Letter Requirements, ID# 0030224

Section 11.10.2.2, Dispute Condition 13.1: Merchandise/Services Not Received – Dispute Rights, ID# 0030314

Section 11.10.2.3, Dispute Condition 13.1: Merchandise/Services Not Received – Invalid Disputes, ID#
0030315

Section 11.10.2.4, Dispute Condition 13.1: Merchandise/Services Not Received – Dispute Time Limit, ID#
0030316

Section 11.10.2.5, Dispute Condition 13.1: Merchandise/Services Not Received – Dispute Processing
Requirements, ID# 0030317

Section 11.10.2.6, Dispute Condition 13.1: Merchandise/Services Not Received – Dispute Response Processing
Requirements, ID# 0030318

Section 11.10.2.7, Dispute Condition 13.1: Merchandise/Services Not Received – Pre-Arbitration Attempt, ID#
0031084

Section 11.10.3.1, Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Reasons, ID# 0030319

Section 11.10.3.3, Dispute Condition 13.2: Cancelled Recurring Transaction – Invalid Disputes, ID# 0030321

Section 11.10.3.5, Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Processing
Requirements, ID# 0030323

Section 11.10.3.6, Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Response Processing
Requirements, ID# 0030324

Section 11.10.3.7, Dispute Condition 13.2: Cancelled Recurring Transaction – Pre-Arbitration Attempt, ID#
0031085

Section 11.10.4.1, Dispute Condition 13.3: Not as Described or Defective Merchandise/Services – Dispute
Reasons, ID# 0030325

Section 11.10.4.2, Dispute Condition 13.3: Not as Described or Defective Merchandise/Services – Dispute
Rights, ID# 0030326

Section 11.10.4.5, Dispute Condition 13.3: Not as Described or Defective Merchandise/Services – Dispute
Processing Requirements, ID# 0030329

Section 11.10.4.6, Dispute Condition 13.3: Not as Described or Defective Merchandise/Services – Dispute
Response Processing Requirements, ID# 0030330

Section 11.10.4.7, Dispute Condition 13.3: Not as Described or Defective Merchandise/Service – Pre-
Arbitration Attempt, ID# 0031086

Section 11.10.5.5, Dispute Condition 13.4: Counterfeit Merchandise – Dispute Processing Requirements, ID#

19 October 2024 Visa Public 26

Change Overview

0030335

Section 11.10.7.2, Dispute Condition 13.6: Credit Not Processed – Dispute Rights, ID# 0030344

Section 11.10.7.4, Dispute Condition 13.6: Credit Not Processed – Dispute Time Limit, ID# 0030346

Section 11.10.8.1, Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Reasons, ID# 0030349

Section 11.10.8.3, Dispute Condition 13.7: Cancelled Merchandise/Services – Invalid Disputes, ID# 0030351

Section 11.10.8.5, Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Processing

Requirements, ID# 0030353

Section 11.10.8.6, Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Response Processing
Requirements, ID# 0030354

Section 11.10.8.7, Dispute Condition 13.7: Cancelled Merchandise/Services – Pre-Arbitration Attempt, ID#
0031087

Section 11.13.3, Withdrawal of an Arbitration or Compliance Case, ID# 0030370

Fast Funds

Effective 12 April 2025

Rules impacted:

Section 8.2.2.2, Original Credit Transaction (OCT) Recipient Issuer Requirements, ID# 0004064

Fast Funds, ID# 0026077

Merchant Category Code 5967 (Adult Content and Services) Title and Description Change

Effective 19 October 2024

Rules impacted:

Section 1.5.2.1, Merchant Agreement Requirements, ID# 0003356

Section 1.9.2.1, Acquirer Integrity Risk Requirements, ID# 0026376

Section 10.1.2.1, Electronic Commerce Transaction Type Prohibition, ID# 0005067

Section 10.5.1.1, Visa Integrity Risk Program Data Quality, ID# 0026335

Section 11.7.3.2, Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Dispute Rights, ID#
0030253

Original Credit Acceptance Rule Moved from Chapter 1 to Chapter 8

19 October 2024 Visa Public 27

Change Overview

Rule impacted:

Section 8.2.2.1, Original Credit Acceptance, ID# 0004062

Partial Authorization Service Requirements

Effective 13 April 2024

Rules impacted:

Section 7.2.6.1, Partial Authorization Service – Acquirer Requirements, ID# 0002515

Section 7.2.6.3, Partial Authorization Service – Issuer Requirements, ID# 0029818

Section 7.2.6.4, Partial Authorization Service Merchant Participation, ID# 0031005

Partial Authorization Service, ID# 0031076

Reporting Fraudulent Declines Issuer Requirements

Effective 18 October 2025

Rule impacted:

Section 1.9.3.3, Issuer Fraud Activity Reporting, ID# 0002389

Tap to Phone Acceptance Device Requirements

Effective 1 August 2024

Rule impacted:

Section 5.6.1.1, Acceptance Device Requirements, ID# 0028045

Unique Card Acceptor ID Assignment Requirement Removed For Acquirers

Effective 1 September 2024

Rules impacted:

Section 5.3.1.3, Acquirer Assignment of Unique Card Acceptor Identification (CAID) Number, ID# 0031049

Section 5.3.1.4, Acquirer Requirements for Contracting with Payment Facilitators, ID# 0026435

Section 5.3.3.1, Staged Digital Wallet – Acquirer Requirements, ID# 0029535

Visa Risk Ecosystems Consolidation (Visa Acquirer Monitoring Program [VAMP], Visa Dispute
Monitoring Program [VDMP], and Visa Fraud Monitoring Program [VFMP])

Effective 31 March 2025, 1 April 2025, and 15 July 2024

19 October 2024 Visa Public 28

Change Overview

Rules impacted:

Section 1.9.1.3, Interlink Right to Terminate Merchants, Payment Facilitators, Marketplaces, Sponsored
Merchants, or Digital Wallet Operators, ID# 0007120

Section 10.4.5.2, Interlink Right to Prohibit or Disqualify Sponsored Merchants, ID# 0008667

Visa Supplemental Requirements List, ID# 0028043

ID# 0031075 Edition: Oct 2024 | Last Updated: New

19 October 2024 Visa Public 29

Introduction

The Interlink Rules

The Interlink Core Rules and Interlink Product and Service Rules

Introduction to the Interlink Core Rules and Interlink Product and Service Rules
Visa has established rules that are designed to minimize risks and provide a common, convenient,
secure, and reliable payment experience. They are set and modified by Visa to support the use and
advancement of Visa products and services, and represent a binding contract between Visa and
each Member.
The Interlink Core Rules contain fundamental rules that apply to all Visa system participants and
specify the minimum requirements applicable to all Members to uphold the safety, security,
soundness, integrity, and interoperability of the Visa system.
The Interlink Product and Service Rules contain rules that apply to Interlink Network participants
based on use of a product, service, the Visa-Owned Marks, VisaNet, the dispute resolution process,
and other aspects of the Interlink Network. The Interlink Product and Service Rules also include
operational requirements related to the Interlink Core Rules.
The Interlink Supplemental Requirements are Interlink- or third-party-administered documents or
websites that contain requirements beyond the content of the Interlink Core Rules and Interlink
Product and Service Rules (for example: Visa Product Brand Standards, Visa Integrated Circuit Card
Specification, Payment Card Industry (PCI) Card Production and Provisioning – Logical Security
Requirements).

ID# 0020308 Edition: Oct 2024 | Last Updated: Apr 2017

Writing Conventions
The following conventions apply to the Interlink Core Rules and Interlink Product and Service Rules:
l “Interlink” refers to an Interlink Region (U.S. or Canada), office, management, or committee
l If the singular is used, it means the plural, and the plural means the singular. For example: “A
Merchant must...” means that “All Merchants must...”
l Responsibility is assigned to a Member. For example: “A Merchant must…” means “An Acquirer
must ensure that its Merchant…”

19 October 2024 Visa Public 30

l Capitalized words have a meaning defined in the Glossary, except for the names of some Interlink
products or services, which are capitalized but not defined.
l Defined terms are often combined.

ID# 0020313 Edition: Oct 2024 | Last Updated: Apr 2016

Changes to the Interlink Core Rules and Interlink Product and Service Rules
Changes to the Interlink Core Rules and Interlink Product and Service Rules are communicated and
identified as part of the “Summary of Changes” for each edition.
Unless an effective date is specified in the text for a change to the Interlink Core Rules and Interlink
Product and Service Rules, all changes are effective on the publication date.

ID# 0020315 Edition: Oct 2024 | Last Updated: Oct 2014

Unique Rule IDs and Additional Information

The bar below each rule contains the following information:
Information in Rule ID

ID# A unique 7-digit identification code that includes leading zeros. This unique ID remains with
each rule for the life of that rule.

Edition The month/year of the current edition of the Interlink Core Rules and Interlink Product and
Service Rules

Last The month/year in which the rule was last changed

Updated

ID# 0020316 Edition: Oct 2024 | Last Updated: Oct 2015

19 October 2024 Visa Public 31

© 2014—2024 Visa. All Rights Reserved.
Part 1:
Interlink Core Rules
Interlink Core Rules
1 Interlink Core Rules
Interlink Core Rules and Interlink Product and Service Rules

1 Interlink Core Rules

1.1 General

1.1.1 Governance

1.1.1.1 Applicability of Rules

All participants in the Interlink Network are subject to and bound by the Interlink Network, Inc. Bylaws
and the Visa Rules, as applicable based on the nature of their participation. In the event of any
conflicts between these documents, or within the Interlink Rules, conflicts will be resolved in the
following order of precedence:
l Interlink Network, Inc. Bylaws
l Interlink Core Rules
l Interlink Product and Service Rules
l V.I.P. System SMS Interlink Technical Specifications
l VisaNet Manuals
l Visa Supplemental Requirements
Any use of or participation in any Interlink services or products not covered in the Visa Rules will be
governed by applicable participation agreements and associated documentation.
Previously, rules were contained in the Interlink Network Inc. Operating Regulations, other operating
regulations or rules, extension documents, and certificates of incorporation and bylaws of various
Interlink entities.
The Interlink Rules represent modifications and amendments to such existing Interlink rules and
requirements, which continue in substance and effect except as expressly modified in the Interlink
Rules. By reorganizing and renaming this body of requirements, Interlink does not intend to modify
the meaning or enforceability of any Interlink published documents, forms, or contracts to which
Interlink is a party, or any contracts that are required by Interlink to include provisions to comply with
Interlink’s certificate of incorporation or bylaws, operating regulations, or other Interlink
requirements. Regardless of whether this document or other documents refer to these requirements
as the Interlink Network Inc. Operating Regulations or by other prior naming conventions, such
references are deemed to refer to and incorporate the Interlink Rules.

ID# 0007750 Edition: Oct 2024 | Last Updated: Apr 2023

19 October 2024 Visa Public 33

© 2014—2024 Visa. All Rights Reserved.
Interlink Core Rules
1 Interlink Core Rules
Interlink Core Rules and Interlink Product and Service Rules

1.1.1.2 Restriction on Use of Interlink Materials

Unless otherwise expressly permitted in the Interlink Rules, a Member must not, and must not permit
or enable others to, do any of the following:
l Use or make copies, in whole or in part, of any aspect of any software, software development kits,
APIs, documentation, tools, or other materials provided to the Member in connection with an
Interlink product, service, and/or program
l Disclose or distribute any Interlink materials or any implementations thereof
l Reverse engineer, decompile, disassemble, or otherwise attempt to obtain the underlying ideas,
algorithms, structure, or organization of any Interlink product or service, or any component
thereof, except to the extent that any of the foregoing are not permitted to be restricted under
applicable laws or regulations
l Attempt to defeat, avoid, bypass, remove, deactivate, or otherwise circumvent any software
protection or security mechanisms in any Interlink product or service, or any related component
l Alter or remove any copyright, trademark, trade name, patent, or other proprietary rights notice,
legend, symbol, or the like appearing on or in any Interlink materials

ID# 0030681 Edition: Oct 2024 | Last Updated: Apr 2020

1.1.2 Waivers

1.1.2.1 Waivers to the Interlink Rules

A Member that cannot comply with a rule or requirement in the Visa Rules must submit a Waiver
request to Interlink via its Visa representative.
If the Member cannot comply due to applicable laws or regulations that contravene the Visa Rules,
Interlink may require proof of the specific laws or regulations.
Interlink will notify the Member in writing of its decision on a Waiver request. The Waiver is effective
as specified in such Notification.
Each Waiver granted by Interlink is unique, may include specific conditions, and is limited only to the
specific circumstances of the individual request. A Member must not apply a previously granted
Waiver to any other future programs or services or consider a previously granted Waiver as
determining the outcome of future requests.
Interlink may repeal, amend, extend, or revoke any Waiver upon Notification to the Member.
An approved Waiver extension request will incur an assessment, as specified in Section X.

19 October 2024 Visa Public 34

© 2014—2024 Visa. All Rights Reserved.
Interlink Core Rules
1 Interlink Core Rules
Interlink Core Rules and Interlink Product and Service Rules

ID# 0025926 Edition: Oct 2024 | Last Updated: Apr 2023

1.1.3 Operating Certificates

1.1.3.1 Operating Certificate Filing

A Member, Sponsored Member, or Non-Member Administrator must submit a complete and
accurate Operating Certificate that includes all Transaction volume specified by Visa, including
Domestic Transactions (including On-Us Transactions), International Transactions, and Transactions
that are not processed through VisaNet, as applicable.
If a Member has a foreign Branch with an active Interlink Program and/or an additional license, the
Member must submit a separate Operating Certificate for the foreign branch Transaction volume
and/or additional license Transaction volume.
A Sponsored Member must either:
l Include its volume within its Sponsor’s total volume on the Operating Certificate1
l With prior Visa permission, submit its own Operating Certificate
The Member or Non-Member Administrator must use the currency and exchange rate provided by
Visa in the Operating Certificate tool.
The Operating Certificate must be executed by an authorized officer of the Member or Non-Member
Administrator.
The Member or Non-Member Administrator must maintain records that allow for an accurate
determination and verification of the information contained in each Operating Certificate and
provide the records upon Visa request.
1
When a Sponsored Member has more than one Sponsor over a single quarter, the Sponsor with the relationship with the
Sponsored Member at the end of the quarter must submit the Sponsored Member’s volume in its Operating Certificate
for the entire quarter.

ID# 0027829 Edition: Oct 2024 | Last Updated: Oct 2021

1.1.4 Confidentiality

1.1.4.1 Visa Confidential and Visa Restricted Materials – Member Responsibilities

An Interlink Member and its affiliates must comply, and must ensure that its Merchants and Agents
comply, with all of the following:

19 October 2024 Visa Public 35

© 2014—2024 Visa. All Rights Reserved.
Interlink Core Rules
1 Interlink Core Rules
Interlink Core Rules and Interlink Product and Service Rules

l Maintain Visa Confidential and Visa Restricted information in strict confidence

l Not disclose any Visa Confidential or Visa Restricted information. An Acquirer in the US Region or
US Territory may provide BIN information to a Merchant for purposes of identifying the product
type at the point of sale.
l Store and handle Visa Confidential and Visa Restricted information in such a way as to prevent
unauthorized disclosure
l Take reasonable measures to protect Visa Confidential information and treat it with at least the
degree of care with which a Member treats its own confidential and proprietary information, or in
case of Visa Restricted information, as follows:
– For information labeled or otherwise designated as Visa Restricted, in accordance with Visa
handling instructions, which may be delivered with its transmission or in its content
– For information labeled or otherwise designated as Visa Restricted – Personal Data, with the
strongest level of protection (including encryption or sufficient compensating controls, and
limited distribution for any transmissions) applied by the Member for its highly sensitive
information
l Disclose Visa Confidential or Visa Restricted information only to those employees with specific
need to know
l Immediately upon Interlink request, return to Interlink, or destroy, originals and all copies of any
Visa Confidential or Visa Restricted information in any medium and, if required by Interlink, certify
that it has done so
l Notify Interlink immediately in the event that the Member becomes legally compelled to disclose
any Visa Confidential or Visa Restricted information and, if legally required to disclose any Visa
Confidential or Visa Restricted information, only disclose that portion that it is legally required to
disclose
l Process and transfer personal data (whether or not it is classified as Visa Confidential or Visa
Restricted information) in accordance with the Visa Rules and applicable laws or regulations

ID# 0000467 Edition: Oct 2024 | Last Updated: Oct 2021

1.1.4.2 Confidentiality of Visa and Interlink Systems Information

An Interlink Member, a Processor acting on behalf of an Interlink Member, a Merchant or its Agent, or
a Visa Merchant Direct Exchange Merchant must take appropriate action to ensure that its employees
or agents with access to VisaNet or related documentation comply with all of the following:
l Are advised of the confidential and proprietary nature of these systems and documentation
l Use their best efforts to protect the VisaNet Access Points

19 October 2024 Visa Public 36

© 2014—2024 Visa. All Rights Reserved.
Interlink Core Rules
1 Interlink Core Rules
Interlink Core Rules and Interlink Product and Service Rules

l Are prohibited from both:

– Providing access to or disclosing these systems and documentation to any third party
– Using these systems and documentation for any purpose not authorized in the Interlink Rules
An Interlink Member, a Processor, a Merchant or its Agent, or a Visa Merchant Direct Exchange
Merchant must not disclose any confidential information of Interlink, Visa, or its subsidiaries, to a
non-Interlink Member.

ID# 0027073 Edition: Oct 2024 | Last Updated: Apr 2020

1.1.4.3 Interlink Use and Disclosure of Confidential Consumer Cardholder

Information
Interlink Network, Inc. and its subsidiaries and affiliates will not use or disclose Confidential
Consumer Cardholder Information to another Interlink Member or to third parties, other than for any
one of the following:
l Use or disclosure in the ordinary course of business to provide services to a Member or a
Member’s designated Agent, including, but not limited to, all of the following:
– Completing a Transaction
– Risk control
– Dispute resolution
– Marketing services
l Use or disclosure with the consent of the Cardholder
l Other use or disclosure that is in accordance with applicable laws or regulations
In the Canada Region: Each Member shall be responsible for obtaining the appropriate
knowledgeable consent from each of its Consumer Cardholders with respect to its collection, use,
and disclosure of such Consumer Cardholder’s Confidential Consumer Cardholder Information.

ID# 0000508 Edition: Oct 2024 | Last Updated: Oct 2014

1.1.4.4 Merchant Responsibility for Interlink Transaction Information

A Merchant must not disclose Confidential Consumer Cardholder Information or other Interlink
Transaction Information to third parties other than for any of the following:
l Use or disclosure to a Member or a Member’s designated Agent in the ordinary course of business
to provide services, including all of the following:

19 October 2024 Visa Public 37

© 2014—2024 Visa. All Rights Reserved.
Interlink Core Rules
1 Interlink Core Rules
Interlink Core Rules and Interlink Product and Service Rules

– Completing a Transaction
– Risk control
– Dispute resolution
– Marketing services
l Other use or disclosure that is in accordance with applicable laws or regulations
A Merchant may only disclose Interlink Transaction Information to third parties approved by Interlink.

ID# 0030541 Edition: Oct 2024 | Last Updated: Apr 2018

1.1.5 Interlink Rights

1.1.5.1 Visa and Interlink Ownership of Intellectual Property

A participant in the Interlink Network must recognize Visa’s and Interlink’s right, title, and interest in
and to and ownership of Visa technology, products, and services (including the intellectual property
embodied within, including the Visa and Interlink brand name, Marks, and technology), and agree to
protect these ownership rights and the integrity of the Marks by complying with the applicable
Interlink Rules in all activities, including issuing, acquiring, and processing. No intellectual property
rights are or shall be considered assigned by Visa to a Member under the Visa Rules.
An Interlink Member or any other party does not have any property or other right, claim, or interest,
including any patent right, trade secret right, or copyright interest, in VisaNet, or in any systems,
processes, equipment, software, data, or materials that Interlink, Visa, or its subsidiaries use with
VisaNet, or in connection with an Interlink or a Visa Program, or in connection with a Visa Innovation
Center engagement, except for Merchant- or Member-supplied data or equipment.

ID# 0007727 Edition: Oct 2024 | Last Updated: Oct 2020

1.1.5.2 Visa and Members’ Rights to Use General Skills or Knowledge

Neither a Member nor Visa (including their affiliates) will be restricted with respect to general skills or
knowledge acquired by its employees or any ideas, information, or understandings retained in their
unaided human memory, or in each connection with the use of, offering of, or participation in any
processing, product, program, service, specification, standard, software, hardware, or firmware
referenced in the Visa Rules or created, supplied, required, licensed, or approved by Visa, provided
that this shall not be construed as providing any right or license to use or disclose any Cardholder
data or Visa interfaces, service guides, specifications, or other technical documentation provided by
Visa. The right to use or exploit this information does not include any license to patents or patent
applications.

19 October 2024 Visa Public 38

© 2014—2024 Visa. All Rights Reserved.
Interlink Core Rules
1 Interlink Core Rules
Interlink Core Rules and Interlink Product and Service Rules

ID# 0030679 Edition: Oct 2024 | Last Updated: Oct 2020

1.1.5.3 Interlink Right to Monitor, Audit, Inspect, and Investigate

At its sole discretion, at any time, Interlink may, either itself or through an agent, investigate, review,
audit, or inspect an Interlink Member, or the Interlink Member’s agents, Merchants, or a Visa
Merchant Direct Exchange Merchant, including by inspecting the premises and auditing the books,
records, and procedures of the Interlink Member, Agent, or Merchant to ensure that it is complying
with all of the following:
l Interlink Rules
l Interlink Network Charter Documents
l V.I.P. System SMS Interlink Technical Specifications
l Account Information Security Program
l PIN Management Requirements Documents
l All applicable brand and security standards and procedures
An Interlink Member must cooperate fully, and ensure that its Agent or Merchant cooperates fully,
with Interlink in any such investigation, inspection, audit, or review. This cooperation includes
providing access to the premises and to all pertinent records, including financial reports, and
releasing any information to Visa upon request within the stipulated timeframe.
Any investigation, inspection, review, or audit will be conducted at the Interlink Member’s expense.

ID# 0007121 Edition: Oct 2024 | Last Updated: Apr 2020

1.1.5.4 Interlink Communication of Audit Findings

Upon completing an audit of an Interlink Member, Member’s Agents, or Merchants, Interlink will
report any materially adverse findings or violations to the Interlink Member involved.
Interlink may refer the condition to the Board of Directors, which may either:
l Impose conditions on the Interlink Member’s or its Agent’s continued participation in the Interlink
Program
l Terminate the Interlink Member’s or its Agent’s participation in the program
The Interlink Member or the Interlink Member’s Agent must take prompt corrective action to rectify
the identified condition.

ID# 0030390 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 39

© 2014—2024 Visa. All Rights Reserved.
Interlink Core Rules
1 Interlink Core Rules
Interlink Core Rules and Interlink Product and Service Rules

1.1.6 Use of VisaNet

1.1.6.1 Non-Assignable Right to Use VisaNet

A Visa Merchant Direct Exchange Merchant’s right to use VisaNet is not assignable and its duties are
non-delegable without prior written consent from Interlink. However, a Visa Merchant Direct
Exchange Merchant may use a non-Member VisaNet Processor that has executed and delivered to
Interlink a VisaNet Letter of Agreement.
A VisaNet Processor or Visa Merchant Direct Exchange Merchant acknowledges and agrees that the
VisaNet endpoint connectivity is a Visa asset and not transferable without the express written consent
of Interlink. A VisaNet Processor or Visa Merchant Direct Exchange Merchant must not transfer its
VisaNet endpoint to another Member or Agent. It must notify Interlink in writing at least 90 days
before the effective date of a change, for example, but not limited to, a sale of all or substantially all
of the assets of the operation, acquisition, merger, ownership change, or financial restructuring, and
promptly provide Interlink with any related information that is requested.

ID# 0003081 Edition: Oct 2024 | Last Updated: Oct 2019

1.1.6.2 Restricted Use of VisaNet

A Visa Merchant Direct Exchange must restrict its use of the VisaNet systems and services to
purposes specifically approved by Interlink.

ID# 0003331 Edition: Oct 2024 | Last Updated: Oct 2017

1.1.7.1 Member Participation in Interlink Network

A Member understands that Interlink provides a network and desires to provide programs, products,
and services to enable partners, end users, and other participants to benefit widely from the network.
In exchange for participation in and benefits resulting from such programs, products, and services, a
Member agrees not to (and not to authorize, assist, or encourage others to) assert against Interlink,
its affiliates, their contractors, agents, and service providers working on their behalf to provide such
Visa programs, products, and services, or other participants, any patent infringement claim involving
any activity regarding the program, products, services, and associated materials provided by Interlink.

ID# 0030682 Edition: Oct 2024 | Last Updated: Apr 2020

19 October 2024 Visa Public 40

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1.2 Reserved for Future Use

1.3 Use of Marks

1.3.1 Ownership of Interlink Marks

Visa owns the Interlink Marks. Their protection is vital to all Interlink Members. These Interlink Marks
identify the Interlink Network services to Cardholders, Merchants, and Interlink Members.
An Interlink Member’s use of Interlink Marks must be consistent with the Visa Product Brand
Standards.

ID# 0030483 Edition: Oct 2024 | Last Updated: Apr 2018

1.3.2 General Use of Marks

1.3.2.1 Interlink Program Marks List

The Interlink Program Marks include:
l Interlink wordmark
l Network Design Mark
l Any other Mark that Visa adopts for use with the Interlink Program

ID# 0006267 Edition: Oct 2024 | Last Updated: Apr 2022

1.3.2.2 Brand Prominence

The Interlink Marks must not appear less prominently than any other PIN-based debit or ATM
program marks.
The Interlink Marks must appear, in equal prominence, on a Card if the Card displays the acceptance
Mark of any other PIN-based debit or ATM program.

ID# 0007761 Edition: Oct 2024 | Last Updated: Apr 2018

1.3.2.3 Use and Protection of Interlink Marks

Interlink hereby grants to each Interlink Member a personal non-transferable, non-exclusive right and
license to use the Interlink Marks in conjunction with the Interlink Program.

19 October 2024 Visa Public 41

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An Interlink Member must cooperate with Interlink to ensure protection of each of the Interlink
Marks and must ensure that all use of the Interlink Marks, as well as the nature and quality of all
services rendered under these Marks, complies with the Interlink Rules.
If requested, a Member must supply Interlink with samples of any materials produced by or for the
Member that bear or generate the Interlink Mark.

ID# 0003581 Edition: Oct 2024 | Last Updated: Apr 2022

1.3.2.4 Use of Interlink Marks

The combination of the Interlink Wordmark and the Network Design Mark is referred to as the
Interlink Marks.
Only an Interlink Member is granted the right to use Interlink Marks.
The Interlink Member must not use the Interlink Marks until the Interlink Member’s application for
membership in the Interlink Program has been accepted.
An Interlink Member must:
l Upon request, supply Visa with samples showing the Member’s use of the Interlink Marks
l Cooperate with Visa in executing any and all documents or in doing or refraining from doing such
acts as may be reasonably necessary to enable Visa to protect the Interlink Marks
l Promptly notify Visa of any infringement, potential infringement or improper use of the Interlink
Marks that may come to the Interlink Member’s notice. Visa will have the sole right to engage in
infringement, opposition, cancellation on or unfair competition proceedings involving the Interlink
Marks
l Use Interlink Wordmark and the Network Design Mark in combination with each other
l Place the registered Interlink Marks denotation ® at the first or most prominent use of the Interlink
Wordmark in typed or printed material
An Interlink Member must not:
l Use any Interlink Marks in its:
– Corporate name
– Trade name
– Fictitious name
– Trade dress
l State or imply that any service offered under the Interlink Marks is exclusively offered by such
Interlink Member

19 October 2024 Visa Public 42

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ID# 0030484 Edition: Oct 2024 | Last Updated: Apr 2018

1.3.2.5 Restriction on Use of Interlink Marks

An Interlink Member’s use of Interlink Marks is subject to all of the following:
l Cooperation with Visa in maintaining control over nature and quality of service by permitting
reasonable inspection of Interlink Member’s operation
l Adherence to the quality of materials submitted as specimens
l Use of a proper copyright notice on all such materials in the precise form and content as set out in
any such materials submitted to an Interlink Member by Visa
Any Interlink Member permitted to use the Interlink Marks must not obtain any interest in the
Interlink Marks except the right to use them in accordance with the Interlink Rules.

ID# 0030382 Edition: Oct 2024 | Last Updated: Apr 2018

1.3.2.6 Member Responsibility for Use of Interlink Marks

Each Interlink Member must comply with all of the following:
l Bear all costs and full liability for its own or its Merchants’ use or removal from use of the Interlink
Marks
l Assume all liability and responsibility for its own and its Merchants’ compliance with all applicable
laws or regulations
l Comply strictly with all specifications, directives and requirements concerning copyright, patent,
trademark or service mark use, as advised by Interlink from time to time
l Upon request, surrender to the Interlink Network any depiction of the Interlink Marks in any signs,
decals, advertisements, promotional material, and any other written materials
If an Interlink Member fails to include the required copyright notice, as specified in Section 1.3.2.5,
Restriction on Use of Interlink Marks, or as requested by Visa on any reproduced material, and such
failure results in loss of copyright or other damage to Visa, the Interlink Member must compensate
Visa for such loss or damage.

ID# 0030383 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 43

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1.3.3 Integrity Risk

1.3.3.1 Protecting the Interlink Brand Reputation

No activities or materials may infringe, dilute, denigrate, or impair the goodwill and/or reputation of
the Interlink brand or Visa-Owned Marks.

ID# 0007762 Edition: Oct 2024 | Last Updated: Oct 2014

1.3.3.2 Integrity Risk and Use of the Visa-Owned Marks

A Member must not use the Visa-Owned Marks:
l In any manner that may bring the Visa-Owned Marks or Visa Inc. or its affiliates into disrepute
l In relation to, or for the purchase or trade of, photographs, video imagery, computer-generated
images, cartoons, simulation, or any other media or activities including, but not limited to, any of
the following:
– Child sexual abuse materials
– Incest
– Bestiality
– Rape (or any other non-consensual sexual behavior)
– Non-consensual mutilation of a person or body part
A Member that does not comply with these requirements will be subject to non-compliance
assessments prescribed under the Visa Integrity Risk Program.

ID# 0007283 Edition: Oct 2024 | Last Updated: Apr 2023

1.4 Issuance

1.4.1 Notification and Disclosure

1.4.1.1 International Transaction and Currency Conversion Fee Disclosure

An Issuer must provide a complete written disclosure of any fees that may be charged to a
Cardholder for an International Transaction or when currency conversion occurs.

ID# 0000387 Edition: Oct 2024 | Last Updated: Apr 2021

19 October 2024 Visa Public 44

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1.4.1.2 Disclosure of Interlink Transaction Information

An Issuer may only disclose Interlink Transaction Information to third parties approved by Interlink,
for the sole purpose of providing fraud control services.
A third party that stores, processes, or transmits Cardholder data must comply with the requirements
of the Account Information Security Program.

ID# 0003555 Edition: Oct 2024 | Last Updated: Oct 2015

1.4.2 Issuer Operational Standards

1.4.2.1 PIN Issuance

An Issuer must make a PIN available to each Cardholder for use with a Card and perform PIN
Verification, except as approved otherwise for one of the following:
l Non-Reloadable Prepaid Card
l Prepaid Card where cash access is restricted

ID# 0004019 Edition: Oct 2024 | Last Updated: Apr 2023

1.4.2.2 Issuer Responsibility for Stand-In Processing Transactions

An Issuer is responsible for any Transaction approved or declined by Stand-In Processing (STIP) and
must settle for the full amount of any approved Transaction.
In the Canada Region: This requirement does not apply.

ID# 0004386 Edition: Oct 2024 | Last Updated: Apr 2021

1.4.2.3 Issuer Credit Transaction Posting

If an Original Credit Transaction (OCT) is used for a Credit Transaction, an Issuer must comply with
the funds availability requirements, as specified in the Visa Direct Original Credit Transaction (OCT) –
Global Implementation Guide.
In the US Region: An Issuer must post a Credit Transaction to a Cardholder’s Account within 1
business day of Settlement, unless circumstances or account history warrant a delay.
Interlink will provide Stand-In Processing if the Issuer is unavailable, and forward the Transaction to
the Card Authorization System when the Issuer becomes available again.

19 October 2024 Visa Public 45

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For a Transaction that involves the purchase of goods or services and a cash back amount, the Issuer
may reply with either:
l An Authorization response based on the total Transaction amount
l A special Decline response code indicating that the Transaction was denied solely because the cash
back portion of the Transaction was rejected

ID# 0025743 Edition: Oct 2024 | Last Updated: Oct 2023

1.4.4 Zero Liability

1.4.4.1 Zero Liability

An Issuer must limit a Cardholder’s liability to zero upon notification from the Cardholder of an
unauthorized Transaction.
The Issuer may increase the amount of the Cardholder’s liability for unauthorized Transactions if the
Issuer reasonably determines, based on substantial evidence, that the Cardholder was fraudulent or
negligent in the handling of the account or the Card.
The Issuer must communicate any restrictions to its Cardholders.

ID# 0029460 Edition: Oct 2024 | Last Updated: Apr 2021

1.5 Acceptance

1.5.1 General Acquirer Requirements

1.5.1.1 Acquirer Jurisdiction and Restriction of Cross-Border Acquiring

A Ramp Provider may contract with a Conversion Affiliate that is outside the country in which the
Ramp Provider is located. However, Visa reserves the right to require a Conversion Affiliate to be
located in the same country as the Ramp Provider and Acquirer.1
1
This only applies to countries where Interlink is available.

ID# 0008552 Edition: Oct 2024 | Last Updated: Apr 2024

1.5.1.2 Merchant Qualification Standards

Before entering into a Merchant Agreement, an Acquirer must ensure that the prospective Merchant
is all of the following:

19 October 2024 Visa Public 46

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l Financially responsible
l Not engaged in any activity that could cause harm to the Interlink Network or the Interlink brand
l Operating within an allowed jurisdiction
l Not misrepresenting its Merchant Outlet location or locations

ID# 0008478 Edition: Oct 2024 | Last Updated: Apr 2017

1.5.1.3 Assignment of Merchant Outlet Location

An Acquirer must assign the correct location of its Merchant’s Merchant Outlet, as specified in Table
1-1, Allowed Merchant Outlet Locations for Card-Present Transactions and Table 1-2, Allowed
Additional Merchant Outlet Locations for Card-Absent Interlink Transactions.
An Acquirer must not misrepresent or alter or allow its Merchant or agent to misrepresent or alter, a
Merchant Outlet location.

Table 1-1: Allowed Merchant Outlet Locations for Card-Present Transactions

Transaction Merchant Outlet location for that Transaction must

be:

Transaction at a Merchant Outlet in a fixed location The Location at which the Transaction is completed

In-Transit Transaction One of the following:

l The location where the journey originated
l An interim or the final destination
l The location of the Merchant’s Principal Place of
Business

Transaction at a Merchant Outlet not in a fixed Either:

1
location l The location at which the Transaction is completed
l The location of the Merchant’s Principal Place of
Business

For a Card-Absent Environment Transaction that is a qualified Card-Absent Interlink Transaction, the
Acquirer must assign the country of the Merchant’s Principal Place of Business2 as the Merchant
Outlet location. The Merchant Outlet location for the Card-Absent Interlink Transaction must be the
US Region or US Territory. The Acquirer may assign additional Merchant Outlet locations if the
Transaction is one of the following:

19 October 2024 Visa Public 47

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Table 1-2: Allowed Additional Merchant Outlet Locations for Card-Absent Interlink Transactions

Transaction Additional Merchant Outlet location may be:

2
Transaction at an Airline, The country from which the first leg of the purchased travel originates
2
passenger railway Merchant,
2
Cruise Line, or other travel
2
Merchant

Transaction at a Lodging The country in which the Cardholder’s stay occurs

2
Merchant

Transaction at a Vehicle Rental The country in which the Cardholder rents the car or the journey originates
2
Merchant, taxi Merchant, or
ride service Merchant

Transaction at any other The country in which all of the following occur, as specified in the Visa
3
Merchant Merchant Data Standards Manual:
l The Merchant has a permanent location at which the Merchant’s
employees or agents conduct the business activity directly related to the
provision to the Cardholder of the goods or services purchased in the
specific Transaction.
l The Merchant assesses sales taxes on the Transaction activity.
l The location is the legal jurisdiction, for the Transaction, that governs the
contractual relationship between the Merchant and the Cardholder as the
purchaser of the goods or services.

If Interlink disputes a Merchant Outlet location assigned by an Acquirer, the correct location of the
Merchant Outlet may be determined by Interlink in its sole discretion.
1
A location (or locations) at which a Merchant completes Transactions and is not the fixed or permanent premises of the
Merchant. This does not apply to a mobile Acceptance Device within a fixed Merchant Outlet.
2
For the purchase of travel or lodging at a travel agency, the Merchant Outlet location must be the country in which the
travel agency is located.
3
If a Card-Absent Merchant (except a travel/lodging Merchant) qualifies for one or more additional Merchant Outlet
locations, the Acquirer may assign the location for a Transaction only as the location where the underlying business
activity occurs for the specific Transaction (either the Principal Place of Business or a qualifying additional Merchant Outlet
location).

ID# 0029455 Edition: Oct 2024 | Last Updated: Apr 2023

19 October 2024 Visa Public 48

© 2014—2024 Visa. All Rights Reserved.
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1.5.1.4 Acquirer Rights to Provide Merchant Information

An Acquirer, a Marketplace, a Payment Facilitator, or a Digital Wallet Operator must ensure that it has
all the necessary and appropriate rights under applicable laws or regulations, privacy policies, or
agreements to provide Merchant or retailer information to Interlink.
For Merchants operating in the Card-Absent Environment, the requirement applies in connection
with qualified Card-Absent Interlink Transactions.

ID# 0026459 Edition: Oct 2024 | Last Updated: Apr 2023

1.5.2 Merchant Agreements

1.5.2.1 Merchant Agreement Requirements

An Acquirer must have a Merchant Agreement with each of its Merchants that processes Interlink
Transactions.
A Payment Facilitator must have a Merchant Agreement with each of its Sponsored Merchants.
The Merchant Agreement must include language that:
l Clearly and obviously specifies the Acquirer’s name and location
l Provides for immediate termination of a Merchant for failure to perform its obligations under the
Merchant Agreement in compliance with Interlink Rules or applicable laws
l Prohibits the Merchant from submitting any Transaction that it knows, or should have known, is
fraudulent or illegal
l Includes Transaction Deposit and Transaction processing restrictions
l Prohibits the Merchant from disclosing a Cardholder’s account or Interlink Transaction information
to third parties
l Assigns responsibility to the Merchant for demonstrating its compliance, or that of its Agents, with
the requirements of the Account Information Security Program
l Includes the right of Interlink to limit or terminate the Acquirer’s agreement with the Merchant or
the Payment Facilitator’s agreement with the Sponsored Merchant
l Includes provisions specified in Section 3.1.1 of the Visa Integrity Risk Program Guide, if the
Merchant is an adult content provider assigned with MCC 5967 (Adult Content and Services)
An Acquirer and a Payment Facilitator may accept Transactions only from an entity with which it has a
valid Merchant Agreement.

ID# 0003356 Edition: Oct 2024 | Last Updated: Oct 2024

19 October 2024 Visa Public 49

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1.5.3 Marks Display

1.5.3.1 Display of Card Acceptance Marks

A Member or Merchant must display the Interlink Marks solely to indicate acceptance of Cards for
payment except in the case of a Merchant that either:
l Does not deal with the general public (for example: a private club)
l Is prohibited by trade association rules
A Merchant that has enabled Interlink acceptance of qualified Card-Absent Interlink Transactions
must display the Interlink Marks at the Point-of-Transaction.
A Merchant must have entered into a Merchant Agreement with an Acquirer before it may display the
Interlink Marks on decals, signs, printed and broadcast materials.

ID# 0008496 Edition: Oct 2024 | Last Updated: Apr 2023

1.5.4 Card Acceptance

1.5.4.1 Honor All Cards

A Merchant must accept all valid Cards properly presented for payment.

ID# 0008591 Edition: Oct 2024 | Last Updated: Apr 2023

1.5.4.2 Incentive to use Cash for Payment – US Region and US Territories

A Merchant may offer Cardholders a “discount for cash” to encourage Cardholders to use Cash for
the purchase, if both:
l The Merchant provides clear disclosure to the Cardholder
l The cash price is presented as a discount from the standard price available for all other means of
payment

ID# 0007778 Edition: Oct 2024 | Last Updated: Apr 2018

1.5.4.3 Uniform Services – Merchant Requirement

A Merchant must process Transactions with its Acquirer’s and other Members’ Cardholders in exactly
the same manner. The Merchant’s normal discount rates, controls, regulations, and procedures apply.

19 October 2024 Visa Public 50

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This requirement does not apply to a Merchant that provides Cardholders with a discount,
promotional offer, or in-kind incentive at the Point-of-Transaction that is not available for other
Interlink Cards.

ID# 0003018 Edition: Oct 2024 | Last Updated: Oct 2018

1.5.5 Card Acceptance Prohibitions

1.5.5.1 Prohibitions on Acquiring Canada Transactions – Canada Region

Acquiring of Interlink Transactions is not permitted in Canada.

ID# 0030393 Edition: Oct 2024 | Last Updated: Apr 2018

1.5.5.2 Surcharges
Except as specified in Section 5.1.1.5, Permitted Merchant Surcharging, a Merchant must not add any
amount over the advertised or normal price to a Transaction, unless applicable laws or regulations
expressly require that a Merchant be permitted to impose a surcharge. Any surcharge amount, if
allowed, must be included in the Transaction amount and not collected separately.

ID# 0006948 Edition: Oct 2024 | Last Updated: Apr 2023

1.5.5.3 Scrip Prohibition

An Acquirer or Merchant must not process a Scrip Transaction on the Interlink Network.

ID# 0008708 Edition: Oct 2024 | Last Updated: Apr 2020

1.5.6 Transaction Receipts

1.5.6.1 Cardholder Verification without Final Transaction Amount

A Merchant must not require a Cardholder to perform Cardholder Verification before the final
Transaction amount is entered on the Transaction Receipt or displayed to the Cardholder.
A Merchant may only perform Cardholder Verification before displaying the final Transaction amount
for either:
l A Merchant that has submitted an Estimated Authorization Request or Incremental Authorization
Request. This in itself does not constitute Cardholder acceptance of the final Transaction amount.

19 October 2024 Visa Public 51

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l A Merchant that uses a Visa-approved “quick Chip” processing solution, where available, only if all
of the following conditions are met:
– The Merchant’s POS system automatically calculates the final amount
– The final amount is displayed and confirmed by the Cardholder before the Merchant submits an
Authorization Request1
– A fully itemized Transaction Receipt is offered to the Cardholder
1
Except at a Merchant Outlet that receives or accepts tips.

ID# 0003120 Edition: Oct 2024 | Last Updated: Apr 2023

1.5.7 Merchant Deposits

1.5.7.1 Transaction Deposit Conditions

A Merchant, a Payment Facilitator, a Marketplace, a Digital Wallet Operator, or Ramp Provider must
not submit a Deposit for a Transaction until one of the following occurs:1
l The Transaction is completed.
l The merchandise or services are shipped or provided. This does not apply if the Cardholder has
paid an Advance Payment.
l The Merchant, Sponsored Merchant, Marketplace, or Digital Wallet Operator has fulfilled the
conditions of its agreement with the Cardholder for an Installment Transaction, a Recurring
Transaction, or an Unscheduled Credential-on-File Transaction.1
A Merchant or Digital Wallet Operator1 must only submit a Deposit for a Transaction that it has
completed with a Cardholder.
A Marketplace1 must only submit a Deposit for a Transaction between a Cardholder and a retailer
that sells goods or services through the Marketplace.
A Ramp Provider must only submit a Deposit for a Transaction between a Cardholder and a
Conversion Affiliate that has an agreement with the Ramp Provider.1
A Payment Facilitator must not submit a Deposit for a Transaction on behalf of another Payment
Facilitator, a Digital Wallet Operator1 that operates a Staged Digital Wallet, for person-to-person
(P2P)/money transfer programs, or a Ramp Provider.
1
For Card-Absent Environment Transactions processed by a Payment Facilitator, a Marketplace, Digital Wallet Operator, or
a Ramp Provider the conditions apply only to a qualified Card-Absent Interlink Transaction.

ID# 0002981 Edition: Oct 2024 | Last Updated: Apr 2024

19 October 2024 Visa Public 52

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1.5.7.2 Acquirer Payments to Card Acceptors

An Acquirer must pay or credit its Merchant’s, Sponsored Merchant’s, Payment Facilitator’s, or Ramp
Provider’s account promptly after Transaction Deposit. These payments must be the same as the
Transaction totals, less any Credit Transactions or Original Credit Transactions, applicable discounts,
Disputes, other agreed fees or Merchant reserve funds (if applicable) accumulated to guarantee the
Merchant’s, Sponsored Merchant’s, or Payment Facilitator’s payment system obligations to the
Acquirer.1
An Acquirer may directly pay or credit only:
l A Merchant
l A Payment Facilitator, on behalf of a Sponsored Merchant1
l A Sponsored Merchant for its portion of the Deposit, if the Acquirer also contracts with the
Payment Facilitator1
l A Digital Wallet Operator1
l A Marketplace1
l A Ramp Provider1
If a Payment Facilitator receives payment from an Acquirer, it must pay or credit its Sponsored
Merchant’s account promptly after Transaction Deposit. These payments must be the same as the
Transaction totals, less any Credit Transactions or Original Credit Transactions, applicable discounts,
Disputes or other agreed fees.
A Marketplace1 must pay or credit its retailer’s account promptly after Transaction Deposit. These
payments must be the same as the Transaction totals, less any Credit Transaction Receipts, applicable
discounts, Disputes or other agreed fees.
A Ramp Provider must pay or credit its Conversion Affiliate’s account promptly after Transaction
Deposit. These payments must be the same as the Transaction totals, less any Credit Transaction
Receipts, applicable discounts, Disputes or other agreed fees.1
1
For Transactions processed in the Card-Absent Environment by a Payment Facilitator, Sponsored Merchant, Marketplace,
Digital Wallet Operator, or a Ramp Provider this requirement applies only to qualified Card-Absent Interlink Transactions.

ID# 0008850 Edition: Oct 2024 | Last Updated: Apr 2024

19 October 2024 Visa Public 53

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1.6 Reserved for Future Use

1.7 Transaction Processing

1.7.1 Data Requirements

1.7.1.1 Complete and Valid Transaction Data

An Acquirer must ensure that all Authorization Requests and Clearing Records contain complete,
accurate, and valid data.
If an Authorization is obtained, any data in the subsequent Clearing Record or Authorization Reversal
must be the same as, or consistent with, comparable data in the Authorization Request and
Authorization Response.
An Acquirer, a Merchant, a Payment Facilitator, or a VisaNet Processor that reattempts an
Authorization Request following a Decline Response, as specified in Section 7.2.5.2, Use of
Authorization Response Codes, must not intentionally manipulate any data elements from the original
Authorization Request, including, but not limited to, the following:
l Acquiring Identifier
l Acquirer and Merchant country
l MCC
l POS condition code
l POS environment field
l POS Entry Mode
l Electronic Commerce Indicator. This applies only to qualified Card-Absent Interlink Transactions.
Merchant Outlet country data must be the same throughout the Transaction life cycle (including, but
not limited to, an Authorization Request, the Completion Message, and any subsequent Adjustment,
Dispute, Credit Transaction, Authorization Reversal, or Reversal).

ID# 0008752 Edition: Oct 2024 | Last Updated: Oct 2023

1.7.2 Settlement

1.7.2.9 Reimbursement for Valid Transactions

An Issuer must pay the Acquirer the amount due for a properly completed Transaction occurring with
the use of a valid Card. This includes Transactions resulting from geographically restricted Card use

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outside the country of issuance.

ID# 0006558 Edition: Oct 2024 | Last Updated: Oct 2014

1.8 Reserved for Future Use

1.9 Risk

1.9.1 Corporate Risk Reduction

1.9.1.1 Anti-Money Laundering Program Requirement

An Interlink Member must implement and maintain an anti-money laundering program that is
reasonably designed to prevent the use of the Interlink system to facilitate money laundering or the
financing of terrorist activities.

ID# 0000652 Edition: Oct 2024 | Last Updated: Oct 2014

1.9.1.2 Member Risk Reduction Requirements

Interlink may impose conditions on a Member if it reasonably believes the Member’s Interlink
Program is not being operated in a sound and safe manner or exposes Interlink or its Members to
financial loss.
Upon receipt of instructions imposing conditions, a Member or its agent must implement risk
reduction measures that may include, but are not limited to, the following:
l Prohibiting or limiting any of the following actions:
– Issuing new or reissued Cards
– Signing or re-signing Merchants
– Using an agent
l Blocking the Authorization of Transactions or prohibiting Acquirers from obtaining Authorization
for Transactions on behalf of certain Merchants
l Terminating some or all Merchants that:
– Conduct Transactions where the Cardholder is not present or where goods or services are to be
delivered after the Transaction Date1
– Receive a volume of Disputes that substantially exceeds the system average

19 October 2024 Visa Public 55

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l Pledging collateral to secure one or more of the following:

– A Member’s or agent’s obligations to Interlink
– The liquidity impact to Interlink of Settlement or other payments due to Interlink from a
Member, its affiliates, or its Clearing Processor as approved by Interlink
– Reimbursement to Interlink for any expenses incurred to ensure compliance
l Requiring a Member to change one or more of its designated agents
l Requiring a Member to provide to Interlink data establishing, for any given time period, the
amount of funds that a Merchant has received from Cardholders, for goods and services that it is
yet to provide to those Cardholders
Interlink is not obligated to take these actions to protect any Member, Merchant, Sponsored
Merchant, or Cardholder from financial injury.
1
For any activity in the Card-Absent Environment, the requirements apply in connection with qualified Card-Absent
Interlink Transactions.

ID# 0005057 Edition: Oct 2024 | Last Updated: Apr 2023

1.9.1.3 Interlink Right to Terminate Merchants, Payment Facilitators, Marketplaces,

Sponsored Merchants, or Digital Wallet Operators
Visa may permanently prohibit a Merchant, Marketplace, Payment Facilitator, Sponsored Merchant,
Digital Wallet Operator, or any other entity, or one or more of its principals, from participating in the
Interlink Program or Visa Electron Program for any reasons it deems appropriate, such as:1
l Fraudulent activity
l Presenting Transaction Receipts that do not result from an act between a Cardholder and a
Merchant or Sponsored Merchant (laundering)
l Entering into a Merchant Agreement or Payment Facilitator Agreement under a new name with the
intent to circumvent the Interlink Rules
l Activity that causes the Acquirer to repeatedly violate the Interlink Rules
l Activity that has resulted in Interlink prohibiting the Merchant, Sponsored Merchant, Payment
Facilitator, Marketplace, or Digital Wallet Operator from participating in the Interlink Program
l Effective through 31 March 2025 Entering illegal or brand-damaging Transaction activity into the
Interlink payment system
l Effective 1 April 2025 Non-compliance with the Visa Integrity Risk Program, including entering
illegal or brand-damaging Transaction activity into the Interlink payment system

19 October 2024 Visa Public 56

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l Any other activity that may result in undue economic hardship or damage to the goodwill of the
Interlink system
Interlink may contact a Merchant, a Marketplace and its retailers, a Sponsored Merchant, a Payment
Facilitator, or a Digital Wallet Operator directly, if warranted.1
1
For any activity in the Card-Absent Environment, the requirements apply in connection with qualified Card-Absent
Interlink Transactions.

ID# 0007120 Edition: Oct 2024 | Last Updated: Oct 2024

1.9.1.4 Acquirer Responsibility for Costs Due to Failure to Terminate a Merchant

An Acquirer is responsible for all costs incurred by Interlink due to the Acquirer’s failure to terminate
a Merchant, Marketplace, Sponsored Merchant, Payment Facilitator, or Digital Wallet Operator.1 This
includes attorney’s fees and costs of any legal action undertaken by Interlink to protect the goodwill
of the Interlink system or to prevent further harm to Members and Cardholders.
1
An Acquirer’s liability for entities operating in the Card-Absent Environment is limited to qualified Card-Absent Interlink
Transactions.

ID# 0007117 Edition: Oct 2024 | Last Updated: Apr 2023

1.9.1.5 Interlink Anti-Money Laundering Program – Member Requirements

A Member must cooperate with Interlink in the administration of the Interlink anti-money laundering
program, including, but not limited to, the following:
l Completing the Anti-Money Laundering/Anti-Terrorist Financing (AML/ATF), Sanctions and Anti-
Bribery Compliance Program Questionnaire when requested by Interlink and returning the form
within the time limit specified by Interlink
l Providing all of the following to Interlink upon request:
– The Member’s written AML/ATF policy and corresponding procedures
– Records demonstrating the content of, and relevant personnel attendance at, training in the
Member’s AML/ATF program requirements
– A copy of the Member’s most recent independent AML/ATF and sanctions program audit
report, which must be less than 2 years old
– An organizational chart for the Member’s AML/ATF and sanctions unit
– Upon Interlink request, any other information or documentation relating to the Member’s
AML/ATF program or sanctions program operations and compliance

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l Assisting Interlink in guarding against Card issuance and Merchant acquiring in circumstances that
could facilitate money laundering or the financing of terrorist activities
l Identifying circumstances of heightened risk and instituting policies, procedures, controls, or other
actions specified by Interlink to address the heightened risk
l Ensuring the adequacy of the applicable controls implemented by designated agents of the
Member

ID# 0000653 Edition: Oct 2024 | Last Updated: Oct 2021

1.9.1.6 Anti-Money Laundering Program Compliance

If Interlink determines that a Member or the Member’s designated agent has failed to comply with
Section 1.9.1.1, Anti-Money Laundering Program Requirement, and Section 1.9.1.5, Interlink Anti-
Money Laundering Program – Member Requirements, Interlink may, consistent with applicable laws or
regulations, impose conditions on or require additional actions of the Member or the Member’s
designated agent to prevent possible money laundering or financing of terrorist activities. These
actions may include, but are not limited to, the following:
l Implementation of additional policies, procedures, or controls
l Termination of a Merchant Agreement
l Termination of a Cardholder agreement
l Termination of an agent agreement
l Termination of Interlink membership
l Non-compliance assessments
l Other action that Interlink in its sole discretion determines to take with respect to the Member or
the Member’s designated agent

ID# 0000654 Edition: Oct 2024 | Last Updated: Oct 2014

1.9.1.7 Acquirer Risk Reporting Requirements

Within 5 business days of request from Interlink, an Acquirer must provide Interlink with the following
information regarding its Merchants, Payment Facilitators, Marketplaces, Digital Wallet Operators, or
any other entity for which that Acquirer is responsible.1
l A complete overview of its underwriting process for any given entity
l A complete breakdown of its current Interlink exposure, and collateral taken against those
Interlink-related positions with Merchants and any other entities

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l A detailed breakdown of its risk monitoring policy, including, but not limited to the following:
– Minimum financial requirements for any given entity
– How an entity’s financial position is determined
– How the Acquirer protects itself against any given entity’s potential failure
– Policy for managing credit risk on an acquiring portfolio and determining collateral taken
– Exact collateral volumes maintained for potential Dispute exposure, in particular for future
service Merchants
– The process for terminating a relationship with any given entity
l Any process for withholding funds from an entity, where the Acquirer has reason to believe that
the entity is not in a position to meet its Interlink obligations, provide a future service, or is facing
insolvency.
If an Acquirer fails to provide Interlink with satisfactory information, Interlink reserves the right to
impose additional risk criteria, as specified in Section 1.9.1.2, Member Risk Reduction Requirements.
1
For activity in the Card-Absent Environment by a Payment Facilitator, Marketplace, or Digital Wallet Operator, the
requirements apply in connection with qualified Card-Absent Interlink Transactions.

ID# 0030757 Edition: Oct 2024 | Last Updated: Apr 2023

1.9.2 Integrity Risk

1.9.2.1 Acquirer Integrity Risk Requirements

An Acquirer must ensure that a Merchant, Marketplace, Payment Facilitator, Ramp Provider,
Sponsored Merchant, or Digital Wallet Operator does not process an Interlink Transaction or display
the Interlink Mark on a website and/or an application that is used in relation to any of the following:1
l The purchase or trade of photographs, video imagery, computer-generated images, cartoons,
simulation, or any other media or activities including, but not limited to, activities listed in Section
1.3.3.2, Integrity Risk and Use of the Visa-Owned Marks
l The purchase of adult content or services using MCC 5967 (Adult Content and Services) where the
Merchant, Ramp Provider or Sponsored Merchant is not compliant with all the requirements
specified in Section 3.1.1 of the Visa Integrity Risk Program Guide
l The purchase of products that claim or imply a similar efficacy as prescription drugs, controlled
substances, or recreational/street drugs, irrespective of claims of legality
1
For Electronic Commerce Transactions, the requirements apply to qualified Card-Absent Interlink Transaction.

ID# 0026376 Edition: Oct 2024 | Last Updated: Oct 2024

19 October 2024 Visa Public 59

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1.9.3 Information Security

1.9.3.1 Account and Transaction Information Security Requirements

An Interlink Member must:
l Maintain all materials or records in any form that contains account or Transaction Information in a
safe and secure manner with access limited to authorized personnel, as specified in the Payment
Card Industry Data Security Standard (PCI DSS)
l Ensure that agreements and contracts with agents and Merchants clearly establish their
responsibilities to meet Interlink standards, the liabilities for failure to meet the standards, and the
requirement to allow for inspections by the Member or Interlink
l Ensure that all agents and Merchants with access to account or Transaction Information comply
with the Payment Card Industry Data Security Standard (PCI DSS)
l Ensure that all agents and Merchants do not store any of the following subsequent to
Authorization:
– Full contents of any data taken from the Magnetic Stripe (on a Card, in a Chip, or elsewhere)
– Card Verification Value 2
– PIN or the encrypted PIN block
l Comply with, and ensure that all agents and Merchants use Payment Applications that comply
with, the Payment Card Industry (PCI) Software Security Framework (SSF) Standards
l Upon request, certify to Interlink that agents and Merchants are in compliance with the Payment
Card Industry Data Security Standard (PCI DSS)
In the US Region: A Member must also comply, and ensure that its Merchants, Agents, and other
third parties with access to Account or Transaction Information comply, with the requirements of the
Account Information Security Program.

ID# 0002228 Edition: Oct 2024 | Last Updated: Apr 2024

1.9.3.2 Cardholder and Transaction Information Disclosure Limitations

An Acquirer must obtain the prior written consent of the Issuer and Interlink before disclosing a
Cardholder’s Payment Credential, personal information, or other Interlink Transaction Information to
a third party that is not the Agent of the Acquirer for the sole purpose of completing a Transaction.
The Acquirer must ensure that its Agents and the Agents’ employees both:
l Make no further disclosure of the information
l Treat the information as confidential

19 October 2024 Visa Public 60

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The Acquirer or Merchant may disclose Interlink Transaction Information to third parties, approved
by Interlink, for the sole purpose of providing fraud control services.
An Agent must not disclose a Payment Credential, Cardholder personal information, or other
Transaction Information to third parties, other than for the sole purpose of completing the initial
Merchant Transaction or with the permission of the Issuer, Acquirer, or Interlink. Any such disclosure
must be subject to strict, written, confidentiality obligations.

ID# 0026337 Edition: Oct 2024 | Last Updated: Apr 2020

1.9.3.3 Issuer Fraud Activity Reporting

An Interlink Member must immediately report all fraudulent activity or other criminal risk activity to
Interlink, as specified in the Fraud Reporting System (FRS) User’s Guide, and for fraudulent approved
Transactions no later than:
l 60 calendar days from the Transaction Date
l 30 calendar days following the receipt of the Cardholder’s dispute notification, if the notification is
not received within the 60-calendar day period
Effective 18 October 2025 The Interlink Member must report this Fraud Activity irrespective of both:
l The fraudulent Transaction’s status (for example: if it was approved, declined, and/or not settled)
l The Visa/Interlink products and services used
At least 90% of rejected Fraud Activity must be resubmitted and accepted into the Fraud Reporting
System.

ID# 0002389 Edition: Oct 2024 | Last Updated: Oct 2024

1.9.4 Agents

1.9.4.1 Processor Disclosure of Account or Transaction Information

A Member, in the event of the failure, including bankruptcy, insolvency, or other suspension of
business operations of one of its Processors or Agents, must ensure that the Processor or Agent does
not sell, transfer, or disclose any materials that contain Payment Credentials, personal information, or
other Transaction Information to any other entity. The Member must ensure that its Processor or
Agent either:
l Returns this information to the Member
l Provides acceptable proof of secure destruction of this information to the Member

19 October 2024 Visa Public 61

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ID# 0025875 Edition: Oct 2024 | Last Updated: Apr 2020

1.9.4.2 Third Party Agent Contract

An Interlink Member must have a direct written contract with another Interlink Member, Processor, or
Third Party Agent that performs services on its behalf.

ID# 0025892 Edition: Oct 2024 | Last Updated: Oct 2014

1.9.4.3 Third Party Agent Registration Requirements

A Member must register a Third Party Agent with Interlink before commencement of any contracted
services or Transactions. The Interlink Member must both:
l Submit to Interlink by certified mail a Non-Member Registration Program Application Packet
l Advise the Third Party Agent that it must not represent its registration with Interlink as
endorsement of Third Party Agent services by the Interlink Network
Interlink may deny or reject a Third Party Agent’s registration at any time with or without cause.
A Third Party Agent is exempt from the registration requirements if it only provides services on behalf
of its affiliates (including parents and subsidiaries) that are Members that own and control at least
25% of the Third Party Agent.

ID# 0025893 Edition: Oct 2024 | Last Updated: Oct 2021

1.10 Dispute Resolution

1.10.1 Disputes

1.10.1.1 Attempt to Settle

Before initiating a Dispute, the Issuer must attempt to honor the Transaction.
If the attempt fails and the Issuer has already billed the Transaction to the Cardholder, the Issuer must
credit the Cardholder for the disputed amount.
The Issuer must not be reimbursed twice for the same Transaction.
A Cardholder must not be credited twice as a result of both a Dispute and a Credit processed by a
Merchant. Should such a situation arise, this must be resolved through the Dispute resolution process
and not through the Compliance process.1

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An Issuer must not process a Dispute unless the Cardholder has suffered a financial loss2 (for
example: the Cardholder did not receive merchandise or services, was charged incorrectly, or did not
authorize the Transaction).
1
This does not apply to Disputes resolved using Rapid Dispute Resolution.
2
Effective for Disputes processed through 18 October 2024 This does not apply to Dispute category 11 (Authorization).
Effective for Disputes processed on or after 19 October 2024 This does not apply to Dispute category 11 (Authorization),
Dispute condition 12.4 (Incorrect Account Number), and Dispute condition 13.8 (Original Credit Transaction Not
Accepted). For a Dispute category 11 (Authorization), the Issuer must have suffered a financial loss.

ID# 0003287 Edition: Oct 2024 | Last Updated: Oct 2024

1.10.1.2 EMV Liability Shift Participation

In the Canada Region, US Region: The EMV liability shift applies to all domestic and interregional1
counterfeit POS Transactions.
1
Between the Canada Region and the US Region

ID# 0008190 Edition: Oct 2024 | Last Updated: Oct 2020

1.10.2 Arbitration and Compliance

1.10.2.1 Invalid Arbitration or Compliance Case Rejection

If Interlink determines that an Arbitration or Compliance request is invalid, it may reject the case and
retain the review fee.

ID# 0001449 Edition: Oct 2024 | Last Updated: Apr 2020

1.10.2.2 Arbitration and Compliance Decision

Interlink bases its Arbitration or Compliance decision on all information available to it at the time of
reaching the decision, including, but not limited to, the provisions of the Visa 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 delivered to both Members in writing and is final and not subject to
any challenge, except for any right of appeal permitted in the Visa Rules.
Interlink determines financial liability between Members for a disputed Transaction. Interlink
considers the following non-exhaustive set of factors when deciding the merits of a case:
l Whether the conditions and technical requirements of the Dispute/Dispute Response/pre-
Arbitration attempt were met (for example: timeframes have been met, supporting documentation

19 October 2024 Visa Public 63

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has been supplied, is legible and translated, if applicable)

l Whether the Dispute Response remedied the Dispute
Split decisions may occur when one Member offers a reasonable compromise solution to the Dispute,
or the Committee determines a split decision is warranted (for example: a partial credit was
processed).

ID# 0027133 Edition: Oct 2024 | Last Updated: Oct 2024

1.10.2.3 Arbitration or Compliance Financial Liability

An Arbitration or Compliance decision may result in either:
l One Member assigned full liability
l Members sharing financial liability
The responsible Member is financially liable for both:
l Transaction amount. For Arbitration cases, Interlink will debit or credit the Members involved
through Visa Resolve Online (VROL), as appropriate. For Compliance cases, if funds are not
automatically transferred through VROL, the requesting Member may collect this amount from the
opposing Member through VisaNet within 60 calendar days of the Notification date of the decision
by the Arbitration and Compliance Committee.
l Review fee
When the case is adjudicated, Interlink will collect the review fees through the Visa Global Billing
Platform from the responsible Member.
Either Member in an Arbitration or a Compliance case may also be liable for a non-compliance
assessment for each technical violation of the applicable Visa Rules.

ID# 0003623 Edition: Oct 2024 | Last Updated: Apr 2021

1.10.2.4 Arbitration or Compliance Appeal

The decision on any permitted appeal of an Arbitration or Compliance ruling is final and not subject
to any challenge.

ID# 0001440 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 64

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1.11 Fees and Non-Compliance Assessments

1.11.1 Fee Assessment by Interlink

1.11.1.2 Interlink Fee Adjustments

If Interlink confirms that a Member has either underpaid or overpaid its fees, Interlink may process a
fee adjustment. The fee adjustment time period is limited to the 2 years before the date that either of
the following occurred:
l The overpayment or underpayment was reported to Interlink by the Member.
l Interlink discovered that an adjustment was due to the Member.
Interlink reserves the right to collect an underpayment from a Member beyond the 2-year period.
Any collection or refund does not include interest.

ID# 0026403 Edition: Oct 2024 | Last Updated: Oct 2019

1.11.2 Non-Compliance Assessments

1.11.2.1 Interlink Right to Impose Non-Compliance Assessments

The Interlink Rules specify all of the following:
l Enforcement mechanisms that Interlink may use for violations of the Interlink Network, Inc. Bylaws
or Visa Rules
l The procedure for the allegation and investigation of violations
l The rules and schedules for non-compliance assessments
A Member that does not comply with the Interlink Network, Inc. Bylaws or Interlink Rules will be
subject to non-compliance assessments. Depending on the violation, a non-compliance assessment
may be levied per Merchant, Merchant Outlet, Transaction, device, or Card, as defined by the
impacted rule.
These procedures and non-compliance assessments are in addition to enforcement rights available
to Interlink under other provisions of the Interlink Network, Inc. Bylaws, Visa Rules, or through other
legal or administrative procedures.
Allegations of violations may be brought to Interlink’s attention by:
l An Interlink Member
l An Agent or Processor, through its registering Interlink Member

19 October 2024 Visa Public 65

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l An Interlink officer
Interlink may assess, suspend, or waive non-compliance assessments, in whole or in part, to
accommodate unique or extenuating circumstances.
Interlink may, at its sole discretion, deviate from the schedules specified in Section 1.11.2.2, General
Non-Compliance Assessment Schedules, and Section 1.11.2.8, Significant Violations Schedule. For
example, this may be by using a different non-compliance amount entirely, or by additionally levying
a non-compliance assessment from another schedule. In these instances, all of the following will be
considered:
l Type of violation
l Nature of the damage, including the amount incurred by Interlink and/or its Members
l Repetitive nature of the violation
l Member history or prior conduct
l Effect of the assessment upon the safety and soundness of the Interlink system and the Member,
including the Member committing the violation
l Any other criteria Interlink deems appropriate

ID# 0007280 Edition: Oct 2024 | Last Updated: Oct 2019

1.11.2.2 General Non-Compliance Assessment Schedules

Interlink may assess a non-compliance assessment for a violation of the Interlink Rules. Unless
addressed by a specific non-compliance assessment program in Chapter 12, Fees and Non-
Compliance Assessments, a violation to the Interlink Rules is subject to either:
l For the rules contained in Chapter 1, Interlink Core Rules, Table 1-3, General Schedule of Non-
Compliance Assessments – Tier 1
l For all other Interlink Rules, Table 1-4, General Schedule of Non-Compliance Assessments – Tier 2
Interlink may, at its sole discretion, deviate from these schedules, for example by using a tier 2 non-
compliance assessment for a core rule, as specified in Section 1.11.2.1, Interlink Right to Impose Non-
Compliance Assessments.
Where the violation is considered “significant,” non-compliance assessments in Section 1.11.2.8,
Significant Violations Schedule, may also be applied.

Table 1-3: General Schedule of Non-Compliance Assessments – Tier 1

Event Interlink Action/Non-Compliance Assessment

Notification issued for violation of a rule Both:

19 October 2024 Visa Public 66

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Table 1-3: General Schedule of Non-Compliance Assessments – Tier 1 (continued)

Event Interlink Action/Non-Compliance Assessment

l Request for a remediation plan

l Compliance Case Fee of USD 1,000 (assessed
immediately) for confirmed violations

Response date has passed or compliance deadline Level 1 non-compliance assessment of an additional
1
for the agreed remediation plan has not been met USD 25,000

30 calendar days have passed after either response Level 2 non-compliance assessment of an additional
1
due or non-compliance continues USD 50,000

60 calendar days have passed after either response Level 3 non-compliance assessment of an additional
1
due or non-compliance continues USD 75,000

90 calendar days have passed after either response Level 4 non-compliance assessment of an additional
1
due or non-compliance continues USD 100,000

120 calendar days have passed after either response Level 5 non-compliance assessment of an additional
1
due or non-compliance continues USD 125,000

150 calendar days have passed after either response Level 6 non-compliance assessment of an additional
1
due or non-compliance continues USD 150,000

180 calendar days (onwards) have passed after either Non-compliance assessment will increase by USD
response due or non-compliance continues 25,000 each month until the rule violation is
corrected.
1
Non-compliance assessment amount is cumulative to include any previous amounts levied (for example: where 90
days have passed since response is due and a Level 4 non-compliance assessment is levied, the total amount
equates to USD 251,000 i.e., Level 1, Level 2, Level 3, Level 4, plus initial fee).

Table 1-4: General Schedule of Non-Compliance Assessments – Tier 2

Event Interlink Action/Non-Compliance Assessment

Notification issued for violation of a rule Both:

l Request for a remediation plan
l Compliance Case Fee of USD 1,000 (assessed
immediately) for confirmed violations

Response date has passed or compliance deadline Level 1 non-compliance assessment of an additional

19 October 2024 Visa Public 67

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Table 1-4: General Schedule of Non-Compliance Assessments – Tier 2 (continued)

Event Interlink Action/Non-Compliance Assessment

1
for the agreed remediation plan has not been met USD 5,000

30 calendar days have passed after either response Level 2 non-compliance assessment of an additional
1
due or non-compliance continues USD 10,000

60 calendar days have passed after either response Level 3 non-compliance assessment of an additional
1
due or non-compliance continues USD 20,000

90 calendar days have passed after either response Level 4 non-compliance assessment of an additional
1
due or non-compliance continues USD 30,000

120 calendar days have passed after either response Level 5 non-compliance assessment of an additional
1
due or non-compliance continues USD 40,000

150 calendar days have passed after either response Level 6 non-compliance assessment of an additional
1
due or non-compliance continues USD 50,000

180 calendar days (onwards) have passed after either Non-compliance assessment will increase by USD
response due or non-compliance continues 10,000 each month until the rule violation is
corrected.
1
Non-compliance assessment amount is cumulative to include any previous amounts levied (for example: where 90
days have passed since response is due and a Level 4 non-compliance assessment is levied, the total amount
equates to USD 66,000 i.e., Level 1, Level 2, Level 3, Level 4, plus initial fee).

ID# 0000482 Edition: Oct 2024 | Last Updated: Oct 2022

1.11.2.3 Determination of Violation of the Interlink Rules

Determination of a violation of the Interlink Network, Inc. Bylaws or the Interlink Rules may be made
based on one of the following:
l The response from a Member to a Notification of investigation and other available information.
Interlink will determine whether a violation of the Interlink Network, Inc. Bylaws or the Interlink
Rules has occurred.
l A review by Interlink of the evidence in relation to the identified violation, including any previous
compliance cases and/or audit findings.
l The Member’s failure to respond to a Notification of investigation and to provide all information
requested.

19 October 2024 Visa Public 68

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ID# 0001052 Edition: Oct 2024 | Last Updated: Oct 2019

1.11.2.4 Notification of Determination of Violation

Interlink will notify a Member if it determines that a violation of the Interlink Network, Inc. Bylaws or
Interlink Rules has occurred, or if it determines that a violation is continuing to occur, and will specify
a date by which the Member must correct the violation. The Notification will advise the Member of all
of the following:
l Reasons for such determination
l Non-compliance assessment amount
l Right to appeal the determination and/or the non-compliance assessments for the violation, as
specified in Section 1.11.2.9, Enforcement Appeals
Interlink may require a Member to submit a compliance plan to resolve the violation.

ID# 0001053 Edition: Oct 2024 | Last Updated: Oct 2019

1.11.2.5 Non-Compliance Assessment Member Responsibility

A non-compliance assessment is imposed by Interlink on an Interlink Member. A Member is
responsible for paying all non-compliance assessments, regardless of whether it absorbs them,
passes them on, or increases them in billing its customer (for example: Cardholder or Merchant). A
Member must not represent to its customer that Interlink imposes any non-compliance assessment
on its customer.

ID# 0001054 Edition: Oct 2024 | Last Updated: Oct 2019

1.11.2.8 Significant Violations Schedule

A Member found to have significantly violated the Interlink Rules, adversely affecting the goodwill
associated with the Interlink system, brand, products and services, operation of the Interlink systems,
or operations of other Members, will be subject to a non-compliance assessment, as specified in
Table 1-5, Non-Compliance Assessments for Significant Violations of the Interlink Rules.
A violation is considered “significant” where the Member’s action, error or omission, intended or
unintended, known or unknown, presents immediate and/or substantial risks, economic or otherwise,
or the Member knew, or should have known, or its knowledge can be fairly implied, that its conduct
constituted a violation of the Interlink Rules.
Interlink may, at its sole discretion, deviate from these schedules, as specified in Section 1.11.2.1,
Interlink Right to Impose Non-Compliance Assessments.

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Table 1-5: Non-Compliance Assessments for Significant Violations of the Interlink Rules

Event Interlink Action/Non-Compliance Assessment

Notification issued for a confirmed violation of a rule Both:

l Request for a remediation plan
l USD 50,000 non-compliance assessment (payment
will be suspended until end date for correction)

Response date has passed or compliance deadline Non-compliance assessment, between USD 50,000
for the agreed remediation plan has not been met and USD 1,000,000 each month
within a 12-month period
Non-compliance assessments will continue to be
levied each month in increasing amounts, at Interlink
discretion, until the rule violation is corrected.

ID# 0007288 Edition: Oct 2024 | Last Updated: Oct 2022

1.11.2.9 Enforcement Appeals

An Interlink Member may appeal a determination of a violation or non-compliance assessment to
Interlink where the Member can provide new evidence not previously available that shows a violation
did not occur, as follows:
l The Member’s appeal letter must be received by Interlink within 30 calendar days of the Member’s
receipt of the Notification of the violation or non-compliance assessment.
l The appealing Member must submit with the appeal any new or additional information or
supporting arguments necessary to substantiate its request for an appeal.
l A fee of USD 5,000 will be assessed to the Member upon receipt of the appeal. This fee is
refundable if the appeal is upheld.
Interlink bases its decision on the new information provided by the requesting Member. All decisions
are final and not subject to challenge.

ID# 0025975 Edition: Oct 2024 | Last Updated: Apr 2023

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Part 2:
Interlink Product and Service
Rules
Interlink Product and Service Rules
2 Licensing and Numerics Management
Interlink Core Rules and Interlink Product and Service Rules

2 Licensing and Numerics Management

2.1 Membership

2.1.1 Termination of Membership

2.1.1.1 Issuer Responsibility upon Termination

Upon termination of membership, an Interlink Member must both:
l Immediately stop using all Interlink Marks
l Ensure that all of its sponsored Interlink Members, and Merchants stop using Interlink Marks
If an Interlink Member does not comply with the requirements specified in this section, Interlink, with
at least 3 calendar days’ prior written notice to the Interlink Member, may take action itself and at the
expense of the terminated Interlink Member.

ID# 0030419 Edition: Oct 2024 | Last Updated: Apr 2018

2.2 BIN and Acquiring Identifier License and Administration

2.2.1 BIN and Acquiring Identifier Use and License

2.2.1.1 Compliance with Visa BIN and Acquiring Identifier Licensing Requirements
An Interlink Member licensed a BIN or Acquiring Identifier by Visa must comply with all applicable
requirements specified in Visa Product and Service Rules: BIN and Acquiring Identifier License and
Administration.

ID# 0030416 Edition: Oct 2024 | Last Updated: Apr 2018

2.2.2 Administration of BINs, Acquiring Identifiers, and Numerics

2.2.2.1 Licensing of Alternate Routing Identifier

Visa licenses an Alternate Routing Identifier to an Interlink Principal member, Group Member, Affiliate
Member, Associate Member, Administrative Member, or Acquirer for acquiring Interlink POS
Transactions.

19 October 2024 Visa Public 72

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
2 Licensing and Numerics Management
Interlink Core Rules and Interlink Product and Service Rules

ID# 0030417 Edition: Oct 2024 | Last Updated: Apr 2018

2.2.2.2 Use of Numeric ID

An Interlink Member, Processor, or Third Party Agent that receives a Numeric ID must ensure that the
Numeric ID is used only for the activity approved by Interlink. If the Numeric ID is used for a purpose
other than that approved by Interlink, Interlink may block and remove the Numeric ID from VisaNet.
A licensee of a Numeric ID is responsible for all of the following:
l Notifying Interlink of any changes to the Numeric ID, including:
– Portfolio sale or transfer
– Merger or Acquisition
– Cessation of use
– Modification to service
– Change in user
l All fees for the assignment and administration of the Numeric ID
l All activity occurring on the Numeric ID until it is fully deleted from VisaNet

ID# 0026469 Edition: Oct 2024 | Last Updated: Oct 2021

2.2.2.3 Client Directory Data Submission

An Interlink Member that is assigned a BIN or Acquiring Identifier must submit any new or revised
service provider contact information, including the designation of a Directory Manager for Member-
to-Member communications, in the Client Service Provider Directory module of the Client Directory
via Visa Online, as follows:
l All directory data: Within 10 business days of a BIN or an Acquiring Identifier implementation
l All directory updates: Within 10 business days of the effective date of the change
An Interlink Member that is assigned a BID must submit any new or updated organizational contact
information, including the designation of a Primary Center Manager and a Senior Officer for
Interlink-Member communications, in the My Organization’s Contacts module of the Client Directory
via Visa Online, as follows:
l Contact data: Within 10 business days of a BID implementation
l Contact updates: Within 10 business days of the effective date of the change

19 October 2024 Visa Public 73

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Interlink Product and Service Rules
2 Licensing and Numerics Management
Interlink Core Rules and Interlink Product and Service Rules

ID# 0007725 Edition: Oct 2024 | Last Updated: Apr 2024

2.2.2.4 BIN Transfer to a New Processor

An Interlink Member that changes its VisaNet Processor or enters into agreement with additional
VisaNet Processors must:
l Assign its Interlink BINs or Acquiring Identifiers to the new VisaNet Processor
l In the event of termination of relationship with a VisaNet Processor, the Interlink Member must
both:
– Ensure that all its Interlink BINs or Acquiring Identifiers installed with the current VisaNet
Processor are migrated to the new VisaNet Processor, unless the former processor agrees to
continue processing those items
– Require the new VisaNet Processor to complete any activity associated with the converted BIN
or Acquiring Identifier, unless the former VisaNet Processor agrees to complete such activity

ID# 0030418 Edition: Oct 2024 | Last Updated: Apr 2018

2.3 Marks License

2.3.1 Marks License Grant

2.3.1.1 License Grant for Visa-Owned Marks

Visa grants to each Member a non-exclusive, non-transferable license to use each of the Visa-Owned
Marks, including Interlink and Plus, only in conjunction with the applicable Visa Programs that are
licensed to the Member.

ID# 0008906 Edition: Oct 2024 | Last Updated: Apr 2018

2.4 Visa US Regulation II Certification Program

2.4.1 Visa US Regulation II Certification Program – US Region and US Territories

2.4.1.1 Visa US Regulation II Certification Program Requirements – US Region and

US Territories
In the US Region or a US Territory: A BIN Licensee that is subject to US Federal Reserve Board
Regulation II must comply with the Visa US Regulation II Certification Program requirements.

19 October 2024 Visa Public 74

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
2 Licensing and Numerics Management
Interlink Core Rules and Interlink Product and Service Rules

The BIN Licensee is solely responsible for ensuring that all consumer debit, business debit, and
prepaid programs conducted under its BINs comply with applicable laws or regulations, including US
Federal Reserve Board Regulation II.
The BIN Licensee or proposed BIN Licensee must submit a Dodd-Frank Act Certification Addendum
and Fraud Prevention Adjustment Addendum, as applicable, when requesting, modifying, or
transferring a consumer debit, business debit, or prepaid BIN.
An Issuer that is subject to US Federal Reserve Board Regulation II and that receives certification
materials from Visa is required to respond within the published timeframes.
Any Issuer of consumer debit, commercial debit, or prepaid programs that is subject to the US
Federal Reserve Board Regulation II and that receives fraud-prevention standards notification
materials from Visa is required to respond within the published timeframes.
An Issuer subject to US Federal Reserve Board Regulation II must submit the notification materials, as
applicable, if the Issuer’s compliance with the fraud prevention standards has changed.

ID# 0027000 Edition: Oct 2024 | Last Updated: Oct 2014

2.5 Non-Interlink-Assigned BINs and Acquiring Identifiers

2.5.1 Non-Interlink-Assigned BINs and Acquiring Identifiers

2.5.1.1 Management of Non-Interlink-Assigned BINs and Acquiring Identifiers

A BIN Licensee or an Acquiring Identifier Licensee of a non-Interlink-assigned BIN or Acquiring
Identifier that is used for an Interlink service must both:
l Maintain the accuracy of the information relative to the BIN or Acquiring Identifier
l Notify Visa of any changes to the BIN or Acquiring Identifier, including any release of the BIN or
Acquiring Identifier from its approved use

ID# 0026514 Edition: Oct 2024 | Last Updated: Oct 2019

19 October 2024 Visa Public 75

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
3 Brand Marks
Interlink Core Rules and Interlink Product and Service Rules

3 Brand Marks

3.1 Marks License

3.1.1 Affinity/Co-Branded Card Programs

3.1.1.1 Affinity/Co-Brand Program Positioning and Advertising

An Interlink Issuer that partners with an Affinity/Co-Brand partner, Merchant, or an Affiliated-
Merchant must comply with all of the following:
l Obtain prior written permission from Interlink for the use of an Affinity/Co-Brand program name
l Ensure that all Collateral Material and Cards clearly state that the Interlink Member is the Issuer of
the Card
l Not position the Card as adding superior acceptability at the Point-of-Transaction
l Not state or imply that the Affinity/Co-Brand Card is accepted only by a particular Merchant or
class of Merchants
l Portray itself as the owner of the Affinity/Co-Brand program
l Ensure that the Affinity/Co-Brand partner does not state or imply that the Affinity/Co-Branded
Card is owned or issued by the Affinity/Co-Brand partner
l Ensure that the Interlink Member and/or Affinity/Co-Brand partner provides information requested
by Interlink to ensure compliance
l Not use Olympic marks, logos, designations, or authenticating statements on the Card
l Ensure that the Marks or the Trade Name of the Affinity/Co-Brand partner, if printed on the Card,
must be both:
– Clearly legible either on the front or back of the Card
– At least equal in size of the total surface of any other Acceptance Mark on the Card
l If printing a customer service telephone number on the back of the Card, use either its own
telephone number, or that of the Affinity/Co-Brand partner, or both.
With prior written approval from Interlink, an Affinity/Co-Brand Card may display the Marks and
Trade Name of an entity not eligible to be an Interlink Member if the entity complies with Interlink
Rules.
Interlink may prohibit the use of any materials that denigrate the Interlink brand.

ID# 0027369 Edition: Oct 2024 | Last Updated: Oct 2015

19 October 2024 Visa Public 76

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Interlink Product and Service Rules
3 Brand Marks
Interlink Core Rules and Interlink Product and Service Rules

3.1.1.2 Display of Interlink Marks in Relation to Affinity/Co-Brand Marks

An Acquirer must ensure that any Merchant affiliated with an Affinity/Co-Brand Partner, both:
l Displays the Interlink Marks independently from any identification of the Affinity/Co-Brand partner
l Does not display Affinity/Co-Brand Card reproduction as part of a decal at the Point-of-
Transaction

ID# 0030421 Edition: Oct 2024 | Last Updated: Apr 2018

3.1.1.3 Multiple Affinity/Co-Brand Partners

If more than one Affinity/Co-Brand partner is involved in the Affinity/Co-Brand Card program, all of
the following apply:
l The Trade Name or Marks of one or two Affinity/Co-Brand partner may appear on the front of the
Card. Three or more Affinity/Co-Brand partner Trade Name or Marks may be permitted with the
prior written consent from Visa U.S.A.
l Any additional Affinity/Co-Brand partner in an Affinity Card program may place its Trade Name or
Marks only on the back of the Card, unless placement of the Trade Name or Marks on the front of
the Card is approved by Visa U.S.A.
l If the Issuer identification is displayed on the back of the Card, it must be at least equal in size to
any other Affinity/Co-Brand partner identification on the back of the Card.

ID# 0030422 Edition: Oct 2024 | Last Updated: Apr 2018

3.2 Use of Marks

3.2.1 Use of Marks by Members and Merchants

3.2.1.1 Merchant Use of Interlink Marks

All marketing materials referring to an Interlink Member’s or a Merchant’s participation in the
Interlink Program must bear the Interlink Marks.
An Acquirer must approve in advance its Merchants’ use of Interlink Marks in promotional or
advertising materials.
Upon termination of the Merchant Agreement, the Merchant must:

19 October 2024 Visa Public 77

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
3 Brand Marks
Interlink Core Rules and Interlink Product and Service Rules

l Cease to display the Interlink Marks

l Not use the Interlink Marks in any way
l Promptly either return to the Acquirer or destroy any materials displaying the Interlink Marks

ID# 0030420 Edition: Oct 2024 | Last Updated: Apr 2018

3.2.1.2 Use of Interlink Marks on Cards

The Interlink Marks must not appear on either:
l Cards that primarily access a line of credit (for example: credit card, charge card)
l Mastercard debit card or ATM card bearing any other national point-of-sale Mark, including
Maestro, that is not a US Covered Debit Card
The Interlink Marks are not required to appear on a Card if:
l The Card does not display the acceptance Mark of any other PIN-based debit program, as specified
in the Visa Product Brand Standards
l The Issuer clearly communicates to its Cardholders, at the time of issuance, both:
– That the Card may be used for PIN debit Transactions at any place where Cards are accepted
– Information on how such Cards may be used to initiate PIN debit Transactions
For a US Covered Debit Card that carries the Interlink Marks, the Issuer must clearly communicate to
its Cardholders, at the time of issuance, both:
l That the Card may be used for PINless Transactions in a Card-Absent Environment if the
Transaction qualifies as a Card-Absent Interlink Transaction
l Information on how such Cards may be used to initiate PINless Transactions in a Card-Absent
Environment

ID# 0030423 Edition: Oct 2024 | Last Updated: Apr 2023

3.3 Point-of-Transaction Display of Marks

3.3.1 Display of Marks at the Point of Sale

3.3.1.1 Improper Display of Affinity/Co-Brand Partner Trade Name or Mark

Upon Notification from Interlink, a Merchant must correct any display of an Affinity/Co-Brand
partner’s Trade Name or Mark at a Merchant Outlet if the display adversely affects the Interlink

19 October 2024 Visa Public 78

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
3 Brand Marks
Interlink Core Rules and Interlink Product and Service Rules

brand.
A Merchant or a Merchant affiliated with an Affinity/Co-Brand program must not promote at the
Point-of-Transaction the availability of discounts on purchases made with an Affinity/Co-Brand Card.

ID# 0027375 Edition: Oct 2024 | Last Updated: Oct 2015

3.3.1.2 Display and Use Marks of Interlink Marks at the Point of Sale or Point-of-
Transaction
An Acquirer must ensure that its Merchant:
l Prominently displays the Interlink Mark at the Point of Sale on all permanent signs and decals at
the Merchant’s Terminal, storefront entrance door and/or window, wherever any other Acceptance
Mark is displayed, to indicate acceptance of Cards
l Displays the Interlink Mark at the Point-of-Transaction (i.e., at the Merchant website or in-
application) if the Merchant has enabled processing of qualified Card-Absent Interlink Transactions
l Does not display any Interlink Mark on a Scrip Terminal
l Complies with the requirements specified in the Visa Product Brand Standards
A Merchant is not required to display the Interlink Marks if it does not deal with the general public, or
if prohibited by trade association rules.

ID# 0030415 Edition: Oct 2024 | Last Updated: Apr 2023

3.3.1.3 Use of the Interlink Name and the Interlink Mark on Merchant Websites and
Applications
A Merchant website and/or application must display the Interlink Brand Mark in full color, as specified
in the Visa Product Brand Standards.
The Interlink Brand Name must be used to indicate acceptance only when a visual representation of
the Interlink Brand Mark is not possible on the website or application.
A Merchant that retains Stored Credentials must display on the payment screen and all screens that
show Payment Credential information, the last 4 digits of the Payment Credential.

ID# 0008671 Edition: Oct 2024 | Last Updated: Apr 2023

19 October 2024 Visa Public 79

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
4 Issuance
Interlink Core Rules and Interlink Product and Service Rules

4 Issuance

4.1 General Issuance

4.1.1 General Issuer Requirements

4.1.1.1 Ownership and Control of Interlink Card Program

An Interlink Issuer must always portray itself as the owner of the Card program in the marketing and
servicing of a Card that provides access to investment products.

ID# 0030425 Edition: Oct 2024 | Last Updated: Apr 2018

4.1.1.2 Compliance with Card Standards

An Issuer must ensure that Cards issued under the Interlink program meet the standards established
by both:
l International Standards Organization
l American National Standards Institute

ID# 0030439 Edition: Oct 2024 | Last Updated: Apr 2018

4.1.1.3 Primary Account Designation Requirement

An Issuer must designate a Primary Account for each Card. The Issuer may use an automated sweep
feature to link the Primary Account to any of the following:
l Proprietary investment products
l Investment products managed and controlled by an organization owned by the Issuer (or its
holding company)
l Investment products advised/underwritten by a third-party organization under contract with the
Issuer for the purpose of offering investment services to the Issuer’s banking customer

ID# 0030426 Edition: Oct 2024 | Last Updated: Apr 2018

4.1.1.4 Issuer Requirement to Support Electronic Funds Transfer

An Issuer must ensure that each Card is capable of initiating an electronic fund transfer, as specified
in Federal Reserve Regulation E – Electronic Fund Transfers.

19 October 2024 Visa Public 80

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Interlink Product and Service Rules
4 Issuance
Interlink Core Rules and Interlink Product and Service Rules

ID# 0030427 Edition: Oct 2024 | Last Updated: Apr 2018

4.1.1.5 Interlink Marks and Primary Account Number on Cards

Except as permitted in Section 3.2.1.2, Use of Interlink Marks on Cards, an Issuer must begin to issue
Cards bearing the Interlink Marks and an embossed1 Primary Account number within the following
timeframes from the date the Issuer commences Interlink Transaction processing:
l 1 year, for new and replacement Cards it issues
l 3 years, for all Cards
Cards that do not bear the Interlink Marks and the embossed Primary Account number at the end of
the 3-year period are not permitted to initiate Transactions.
1
The embossing requirement does not apply if the Card is Contactless-Only Payment Device

ID# 0030428 Edition: Oct 2024 | Last Updated: Apr 2018

4.1.1.6 Issuance of Replacement Cards upon Member Termination

Upon the resignation or termination of its membership, an Issuer and its sponsored Affiliates and
Associate-Type Members must, both:
l Immediately stop issuing Cards or other documents displaying the Interlink Marks
l Within 2 years, issue replacement Cards without the Interlink Marks for all of the Issuer’s
outstanding Cards displaying such Marks

ID# 0030429 Edition: Oct 2024 | Last Updated: Apr 2018

4.1.1.7 Issuer Maintenance of Card Authorization System

An Issuer must maintain a telecommunications and a Card Authorization System that both:
l Complies with both:
– The V.I.P. System SMS Interlink Technical Specifications
– The PIN Management Requirements Documents
l Processes Authorization Requests and Authorization Responses for all of the following:
– Balance inquiries
– Credit Transactions
– Disputes, Dispute Responses, Acquirer-initiated pre-Arbitration attempt and Adjustments

19 October 2024 Visa Public 81

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
4 Issuance
Interlink Core Rules and Interlink Product and Service Rules

– Dispute Reversals
– Pre-Authorizations
– Purchase Transactions
– Quasi-Cash Transactions
– Reversals
– All of the following:1
▪ Account Verification
▪ Bill Payment Transactions
▪ Credential on File (COF) Transactions
▪ Debt Repayment Transactions
▪ Electronic Commerce Transactions
▪ Installment Payment Transactions
▪ Mail/Phone Order Transactions
▪ Merchant Initiated Transactions
▪ Recurring Payment Transactions
– Responses to each of the above Transactions
1
If processed in a Card-Absent Environment, the Transaction must be a qualified Card-Absent Interlink Transaction.

ID# 0030430 Edition: Oct 2024 | Last Updated: Apr 2023

4.1.1.8 Card-to-Card Back-to-Back Funding – Issuer Prohibition

For a Card-Absent Environment Transaction that is a qualified Card-Absent Interlink Transaction, Card
Fronting is not permitted. An Issuer must not allow a purchase to occur with Back-to-Back Funding to
its Payment Credential from another Payment Credential or card.

ID# 0030709 Edition: Oct 2024 | Last Updated: Apr 2023

19 October 2024 Visa Public 82

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Interlink Product and Service Rules
4 Issuance
Interlink Core Rules and Interlink Product and Service Rules

4.1.2 Issuer Disclosures to Cardholders

4.1.2.1 Issuer Disclosure of Final Amount for Automated Fuel Dispenser

Transactions
If an Issuer includes information from a Pre-Authorization Transaction in an online Cardholder
statement, Cardholder alert, or other communication to the Cardholder, it must both:
l Notify its Cardholder that a Pre-authorization Request (Estimated Authorization) amount may
differ from the final Transaction amount
l For an Automated Fuel Dispenser (AFD) Transaction, not use the Transaction amount contained in
the related Pre-Authorization Request. The Transaction amount field displayed to the Cardholder
must be either blank or contain the final Transaction amount contained in the Pre-Authorization
Completion Message.

ID# 0029466 Edition: Oct 2024 | Last Updated: Apr 2023

4.1.3 Affinity/Co-Brand Issuance

4.1.3.1 Affinity/Co-Branded Card Program Requirements

An Affinity/Co-Brand Card Issuer must both:
l Submit a completed Affinity/Co-Brand Application and obtain written approval from Interlink for
each Affinity/Co-Brand program before issuing Affinity/Co-Brand Cards
l Only issue Affinity/Co-Brand Cards to residents of the country in which the Issuer is located
If requested by Interlink, the Issuer must provide additional documentation, including all of the
following:
l The agreement between the Issuer and the Affinity/Co-Brand partner
l Collateral Material
l Information regarding the reputation and financial standing of the Affinity/Co-Brand partner
l Other documentation

ID# 0027363 Edition: Oct 2024 | Last Updated: Oct 2019

4.1.3.2 Interlink Requests for Affinity/Co-Brand Program Information

A Member must submit both of the following to Interlink upon request to determine compliance with
Affinity/Co-Brand program requirements:

19 October 2024 Visa Public 83

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Interlink Product and Service Rules
4 Issuance
Interlink Core Rules and Interlink Product and Service Rules

l Any and all contracts with the Affinity/Co-Brand partner

l Any other documentation relative to the Affinity/Co-Brand program

ID# 0027373 Edition: Oct 2024 | Last Updated: Oct 2015

4.1.3.3 Affinity/Co-Brand Program Ownership and Control

An Issuer that partners in offering an Affinity/Co-Brand program must comply with all of the
following:
l Issue and maintain the Account associated with an Affinity/Co-Brand Card
l Always be portrayed as the owner of the Affinity/Co-Brand program
l Not design its Affinity Card through use of a Trade Name, Marks, numbering scheme, code on the
Magnetic Stripe, Chip, or any other device or means to imply that any institution other than the
Interlink Member is the Issuer of the Card.
l Own and control an Affinity/Co-Brand program as defined by Interlink on the basis of the Issuer’s
entire relationship with the Affinity/Co-Brand partner, including all of the following:
– Whether the Issuer controls, or exercises controlling influence over, the management policies
with respect to the Affinity/Co-Brand program
– The extent to which the Issuer participates in program operations or provides customer services
in connection with the Affinity/Co-Brand program
– The extent to which the Issuer is at risk as the owner of the Affinity/Co-Brand program
– Issuer’s role in setting fees and rates for Affinity/Co-Brand Card program products and services

ID# 0027365 Edition: Oct 2024 | Last Updated: Oct 2016

4.1.3.4 Affinity/Co-Branded Card Account Access

When presented to a Merchant, the Affinity/Co-Brand Card must not be used to debit any account
other than the Primary Account maintained by the Issuer in connection with that Affinity/Co-Brand
Card.

ID# 0027371 Edition: Oct 2024 | Last Updated: Oct 2014

4.1.3.5 Determination of Affinity/Co-Brand Program Violations

If Interlink determines that the provisions of the Affinity/Co-Brand program have been violated by an
Interlink Member or the Affinity/Co-Brand partner, Interlink reserves the right to:

19 October 2024 Visa Public 84

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Interlink Product and Service Rules
4 Issuance
Interlink Core Rules and Interlink Product and Service Rules

l Require modification of the program, including, but not limited to:

– Assignment of the program to a third party
– Suspension or termination of the program
l Impose non-compliance assessments or terminate the program on 30 calendar days’ written notice
l Terminate an Affinity/Co-Brand program, without cause, with at least 180 calendar days’ written
notice to the Interlink Member and Affinity Partner
An Interlink Member may appeal the termination by submitting a written notice to the Secretary of
the Interlink Network within 30 calendar days of Interlink Member’s receipt of the Notification.
The decision by the Interlink Board of Directors is final.

ID# 0027374 Edition: Oct 2024 | Last Updated: Oct 2015

4.1.4 Data Retention and Transmission

4.1.4.1 Enriched Transaction Data

An Issuer that receives enriched data with any of the following Transactions must either print the data
on the Cardholder statement or retain the data for a minimum of 200 calendar days from the
Transaction Date:
l Hotel and Car Rental Card Not Present1
l A Transaction that includes Airline itinerary data or ancillary data1
1
Transactions initiated in a Card-Absent Environment must be qualified Card-Absent Interlink Transactions.

ID# 0003554 Edition: Oct 2024 | Last Updated: Apr 2023

4.1.5 Provisional Credit

4.1.5.1 Provisional Credit

An Issuer must provide provisional credit for the amount of a dispute or an unauthorized Transaction
(as applicable) to a Cardholder’s account within 5 business days of notification of an unauthorized
Transaction, unless the Issuer determines that additional investigation is warranted and allowed by
applicable laws or regulations.

ID# 0029461 Edition: Oct 2024 | Last Updated: Apr 2021

19 October 2024 Visa Public 85

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
4 Issuance
Interlink Core Rules and Interlink Product and Service Rules

4.1.6 Chip Issuance Requirements

4.1.6.2 Chip Card Account Requirements

An Issuer of a Chip Card must specify an alphanumeric name for each funding account facilitated by
the Visa Smart Payment application when the Chip provides access to more than one account.

ID# 0004031 Edition: Oct 2024 | Last Updated: Oct 2024

4.1.6.3 Non-Interlink Services Facilitated by Chip Cards

A Chip Card may facilitate access to non-Interlink services only if all of the following requirements are
met:
l Services do not compromise the security or functional integrity of the Visa Smart Payment
Applications.
l Additions of these services are managed and controlled by the Issuer or its Sponsored Member.
l The Issuer indemnifies Interlink for and against Claims and Liabilities arising out of or in connection
with non-Interlink services facilitated by the Chip Card.
Interlink may review and approve all applications contained in a Chip Card.

ID# 0003598 Edition: Oct 2024 | Last Updated: Apr 2018

4.1.6.4 Contactless Issuer Requirements

A Contactless Payment Device Issuer must comply with the following:

Table 4-1: Contactless Payment Device Issuer Requirements

Region/Country Required VCPS Support for qVSDC Support for MSD Form Factor
Version Transaction Path Transaction Path Indicator

Canada Region 2.1 or later Required Not permitted for any Required
device personalized
with a Token

US Region 2.1 or later Required Optional Required

ID# 0002051 Edition: Oct 2024 | Last Updated: Oct 2024

19 October 2024 Visa Public 86

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Interlink Product and Service Rules
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Interlink Core Rules and Interlink Product and Service Rules

4.1.6.5 Notification of Contactless Payment Device Risks and Restrictions

An Issuer that provides a Contactless Payment Device to a Cardholder must provide, before or at the
time of issuance, written notification that informs the Cardholder of potential risks and restrictions
associated with the Contactless Payment Device, including, but not limited to, the following:
l The inability to use the Contactless Payment Device at an Acceptance Device where Card insertion
is required
l Any daily Transaction amount limit implemented by the Issuer in connection with the Contactless
Payment Device, if applicable
l For a Contactless Payment Device in the form of an adhesive Visa Micro Tag, the risk of impairing
the functionality of a mobile phone or other device to which a Contactless Payment Device is
attached
l For a Contactless Payment Device in the form of an adhesive Visa Micro Tag, the risk of invalidating
the manufacturer’s warranty, if applicable, for a mobile phone or other device to which Contactless
Payment capability is attached

ID# 0026159 Edition: Oct 2024 | Last Updated: Oct 2015

4.1.6.6 Contactless Payment Device Requirements

An Issuer that issues a Contactless Payment Device must ensure that the Contactless Payment Device
complies with all of the following:
l Visa Contactless Payment Specifications1
l Visa Product Brand Standards
l Is issued as a companion to a full-size Card and offers the same benefits as the full-size Card
l Is linked to a valid, unexpired Interlink Card account, excluding prepaid devices (a Contactless-Only
Payment Device may be assigned a different Payment Credential).
1
This does not apply to Cards issued in Canada that use Interac for Domestic Transactions.

ID# 0002052 Edition: Oct 2024 | Last Updated: Apr 2023

4.1.6.7 Cardholder Verification Method List

A Chip Card Issuer must ensure that the Chip Card contains a Cardholder Verification Method List. For
Chip Cards with the Interlink AID, the Cardholder Verification Method List must only include “Online
PIN.”

19 October 2024 Visa Public 87

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
4 Issuance
Interlink Core Rules and Interlink Product and Service Rules

An Interlink-enabled Proprietary Card using the Visa US Common Debit Application Identifier must
be personalized to require Online PIN for all of that Card’s transactions.

ID# 0008186 Edition: Oct 2024 | Last Updated: Apr 2024

4.1.6.8 Integrated Circuit Card Verification Value (iCVV) Requirements

All EMV Chip Cards issued on or renewed on or after 1 January 2009 must use the Integrated Circuit
Card Verification Value (iCVV) as part of the Magnetic-Stripe Image (track 2 equivalent data).
The Integrated Circuit Card Verification Value (iCVV) contained in the Magnetic-Stripe Image (track 2
equivalent data) on the Chip must differ from the Card Verification Value encoded on the Card’s
Magnetic Stripe.

ID# 0030438 Edition: Oct 2024 | Last Updated: Apr 2018

4.1.6.9 Chip Card Authentication

All Chip Card Issuers must perform, and be capable of acting on the results of, validation of EMV
Online Card Authentication Cryptograms for all Chip-initiated Authorization messages processed
through VisaNet. For non-tokenized Transactions, Online Card Authentication support may be
provided by the Issuer directly, or through either:
l VisaNet
l Third party/VisaNet Processor

ID# 0007163 Edition: Oct 2024 | Last Updated: Apr 2023

4.1.6.10 Service Codes on Chip Cards

An Issuer must use a Service Code X on all EMV-Compliant and VIS-Compliant Chip Cards bearing
the Interlink Marks.

ID# 0003593 Edition: Oct 2024 | Last Updated: Oct 2016

4.1.6.11 Effective Date and Expiration Date Consistency

The expiration date contained in a Chip must be the same as the expiration date encoded on the
Magnetic Stripe and on the Card (if displayed). If applicable, the expiration date of proprietary
services on the Card must not exceed the expiration date of the Interlink Payment Application.
The expiration date on an Interlink Card must be no later than the earlier of the following dates:

19 October 2024 Visa Public 88

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l The expiration date of the Issuer’s Public Key, or any security feature containing an expiration date
in a Chip, if one is present on the Card
l For Chip Card products approved by Interlink on or after 1 January 2016, the date the Chip product
is scheduled for removal from the list of Visa-approved Chip products1
If an application effective date on a Chip Card is provided within the Chip, it must reflect the same
month as the “VALID FROM” date displayed on the Card, if such a date appears on the Card.
1
Visa reserves the right to remove a Chip product from the list earlier than the scheduled date if it discovers a significant
security flaw with the associated Chip.

ID# 0003209 Edition: Oct 2024 | Last Updated: Oct 2019

4.1.6.12 Dynamic Data Authentication (DDA) Issuer Requirement

All Chip Cards that do not have contactless functionality and that support offline Authorization must
both:
l Support DDA1 (support for combined DDA/Application Cryptogram generation remains optional)
l Not support static data authentication
1
Online-only Chip Cards that do not have contactless functionality or any type of offline data authentication are still
permitted.

ID# 0029158 Edition: Oct 2024 | Last Updated: Apr 2016

4.1.6.13 Application Identifier Priority and US Territories

When both the Interlink Application Identifier and the Visa US Common Debit Application Identifier
are personalized on a VSDC applet, the Interlink Application Identifier must be the highest priority
Application Identifier.

ID# 0027578 Edition: Oct 2024 | Last Updated: Apr 2021

4.1.6.14 Contact and Contactless Chip Application Transaction Counter (ATC)

An Issuer must not decline a Transaction solely on the basis that the Application Transaction Counter
(ATC) is out of sequence.
An Issuer must validate the ATC on each of its Cards with Magnetic-Stripe Data contactless payment
capability during the Authorization process for a Contactless Transaction.

ID# 0002064 Edition: Oct 2024 | Last Updated: Oct 2018

19 October 2024 Visa Public 89

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Interlink Core Rules and Interlink Product and Service Rules

4.1.6.15 Visa-Owned Chip Technology Use

Visa-owned Chip technology must be used solely for the purpose of facilitating an Interlink
Transaction, Visa transaction, Visa Electron transaction, or Plus transaction.1 Any other use requires
the prior written permission of Visa.
Visa-owned Chip technology includes, but is not limited to, all of the following:
l Visa Integrated Circuit Card Specification
l Visa Smart Debit/Credit (VSDC) applet
l Visa Contactless Payment Specification
l Visa Mobile Contactless Payment Specification
l Visa Cloud-Based Payments Contactless Specification
l Visa Mobile Payment Application
l Visa, Interlink, Visa Electron, and Plus Payment Application Identifiers
1
In the US Region, US Territory: This does not apply to a transaction initiated using the Visa US Common Debit Application
Identifier from a US Covered Visa Debit Card personalized in accordance with the US common debit personalization
requirements or a transaction initiated as specified in the Interlink Core Rules and Interlink Product and Service Rules.

ID# 0027577 Edition: Oct 2024 | Last Updated: Apr 2017

4.1.6.16 EMV Liability Shift – Issuer Liability for Card-Present Counterfeit Chip Card
Transactions
A Counterfeit Card Transaction completed in a Card-Present Environment is the liability of the Issuer
if both:
l The Transaction takes place at an EMV-Compliant Chip-Reading Device.
l If the Transaction is Chip-initiated, it is correctly processed, and, if authorized Online, the
Authorization Request includes Full-Chip Data.

ID# 0001820 Edition: Oct 2024 | Last Updated: Oct 2016

4.1.6.17 Liability for Chip Fallback Transactions

A Transaction accepted as a Fallback Transaction is the liability of the Issuer if all of the following
apply:

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Interlink Core Rules and Interlink Product and Service Rules

l The Transaction is authorized by the Issuer or the Issuer’s agent.

l Appropriate values identifying the Transaction as a Fallback Transaction are included within the
related Authorization message.
l Correct acceptance procedures are followed.

ID# 0001835 Edition: Oct 2024 | Last Updated: Oct 2014

4.1.6.18 Issuer Liability for Chip Card Payment Application

A Chip Card Issuer is responsible and liable for the parameter values and processing options
contained in a Chip used to conduct a Transaction.

ID# 0030431 Edition: Oct 2024 | Last Updated: Apr 2018

4.1.6.19 Chip Card Issuing Requirements

An Issuer of Chip Cards must comply with:
l Visa Integrated Circuit Card Specification (VIS)
l Visa Contactless Payment Specification (VCPS)
l The applicable Visa Personalization Specification

ID# 0030432 Edition: Oct 2024 | Last Updated: Apr 2018

4.1.6.20 Chip Card Issuer Terminal Risk Management

A Chip Card Issuer must not inhibit Terminal Risk Management (for example: by programming the
Chip to bypass Terminal Risk Management).

ID# 0004026 Edition: Oct 2024 | Last Updated: Oct 2014

4.1.6.21 Contactless Card Customer Service Telephone Number – US Region and US

Territories
In the US Region or a US Territory: A Contactless Card Issuer must print a toll-free customer service
telephone number on the back of a Contactless Card, unless the Card is a Contactless-Only Payment
Device.

ID# 0030433 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 91

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4.1.6.22 Chip Personalization Validation Testing (PVT) Requirements

Effective 16 January 2026 Issuers must use a Visa Chip Card Profile generated by the Simplified
Profile Selection (SPS) or Visa Personalization Assistant (VPA) tool for Personalization Validation
Testing (PVT), which are accessible via the Visa Chip Personalization Portal (VCPP).

ID# 0031016 Edition: Oct 2024 | Last Updated: Apr 2024

4.1.7 Token Transaction Processing

4.1.7.1 Rejection of Non-Visa Token Transaction

Interlink will reject a Transaction initiated with a non-Visa Token if the Token provider is unable to, or
does not, respond to Interlink’s request for the Primary Account Number (PAN) associated with the
Cardholder’s non-Visa Payment Credential (Token).

ID# 0029817 Edition: Oct 2024 | Last Updated: Apr 2023

4.1.8 Pass-Through Digital Wallet Requirements

4.1.8.1 Pass-Through Digital Wallet Requirements

The operator of a Pass-Through Digital Wallet must do all of the following:
l Obtain Cardholder consent for either:
– Individual Cardholder-initiated provisioning, at the time of loading the Cardholder information
in the Pass-Through Digital Wallet
– Bulk Issuer-driven provisioning,1 at the time of the Pass-Through Digital Wallet account
activation
l Ensure the consent includes all of the following:
– Use of the stored account information to initiate Transactions
– The purpose for which the Cardholder’s information will be used
– The expiration date of the agreement, if applicable
l Not contract with a Digital Wallet Operator to provide payment services
l Display on the payment screen and all screens that show Account information both:
– The last 4 digits of the Payment Credential
– The Interlink Mark or the name “Interlink” in text immediately next to a Interlink payment option

19 October 2024 Visa Public 92

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1
All current and future Payment Credentials may be added.

ID# 0029534 Edition: Oct 2024 | Last Updated: Apr 2024

4.2 Interlink Card Issuance

4.2.1 Interlink Card – Issuer Requirements

4.2.1.1 Card Accessing Cardholder Funds on Deposit

An Issuer must not issue or reissue a Card that accesses Cardholder funds on deposit at an
organization other than the Issuer organization (“decoupled debit”).

ID# 0004573 Edition: Oct 2024 | Last Updated: Oct 2020

4.2.1.2 Interlink Point-of-Sale Balance Inquiry

An Issuer must not provide account balance information in response to a Point-of-Sale balance
inquiry.
A balance inquiry must originate from an Unattended Cardholder-Activated Terminal and include the
Cardholder PIN.

ID# 0004161 Edition: Oct 2024 | Last Updated: Oct 2015

4.2.2 Check Card Issuer Pre-Authorization Requirements

4.2.2.1 Issuer Liability for Pre-Authorization

An Issuer is liable to the Acquirer for each Pre-Authorization Transaction that the Issuer authorizes.
The Card Authorization System must authorize and settle for the final amount of the Transaction if all
of the following apply:
l The Pre-Authorization Request was authorized
l The final Transaction amount is less than or equal to the Pre-Authorization Request amount
l The Transaction is processed within either:
– For a Card-Present Automated Fuel Dispenser Transaction, 2 hours of the Pre-Authorization
Request for a Transaction conducted at the Point of Sale

19 October 2024 Visa Public 93

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– For all other Transactions, the timeframe specified in Section 5.7.2.5, Transaction and Processing
Timeframes, for Transactions in a Card-Absent Environment that qualify as Card-Absent Interlink
Transactions
If any of the above conditions are not met, the Card Authorization System must authorize and settle
for the final amount of the Transaction only if sufficient funds are available in the Cardholder’s
Account.

ID# 0030434 Edition: Oct 2024 | Last Updated: Apr 2023

4.2.2.2 Responsibility to Approve Pre-Authorization Requests

If the Card Authorization System is not available to receive a Pre-Authorization Request or a Pre-
Authorization Completion message, the Interlink Switch will authorize the Transaction if any of the
following:
l The final Transaction amount is less than or equal to the greater of the following:
– The amount preauthorized
– Stand-In Processing limits provided by the Issuer
l For a Card-Present Environment Transaction, the Pre-Authorization Completion message is
received within 2 hours of initiating the Pre-Authorization Request
l For a Card-Absent Environment Transaction, the Pre-Authorization Completion message pertains
to a qualified Card-Absent Interlink Transaction
If the Interlink Switch is not available, the Merchant Interface System will authorize the Transaction if
any of the following:
l The final Transaction amount is less than or equal to the amount preauthorized
l For a Card-Present Environment Transaction, the Pre-Authorization Completion message is
received within 2 hours of initiating the Pre-Authorization Request
l For a Card-Absent Environment Transaction, the Pre-Authorization Completion message pertains
to a qualified Card-Absent Interlink Transaction

ID# 0030435 Edition: Oct 2024 | Last Updated: Apr 2023

4.2.2.3 Debit Card Partial Preauthorization

An Issuer must support Partial Pre-Authorization responses for Interlink Transactions and notify
Interlink if the Issuer is unable to meet this requirement.

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Interlink Core Rules and Interlink Product and Service Rules

Unless there is no other reason to decline a Transaction, the Issuer must approve a Partial Pre-
Authorization Request for an amount equal to the Cardholder’s available Account balance or daily
spending limit balance, whichever is less, if either:
l The amount of a Pre-Authorization Request exceeds the Cardholder’s Account balance
l The amount of the Pre-Authorization Request would cause the Cardholder’s daily spending limit to
be exceeded.
For a Transaction that involves the purchase of goods or services and a cash back amount, the Partial
Pre-Authorization response must be applied only toward the purchase amount.
An Issuer must not send a Partial Pre-Authorization response if the Partial Pre-Authorization Request
message does not include a Partial Authorization support indicator.

ID# 0026503 Edition: Oct 2024 | Last Updated: Apr 2024

4.3 Campus Cards – US Region

4.3.1 Campus Card – Issuer Requirements – US Region

4.3.1.1 Campus Card Issuance – US Region

In the US Region: An Issuer that participates in a Campus Card program must issue the Campus Card
as either:
l A Debit Card linked to a deposit account
l A Prepaid Card

ID# 0027551 Edition: Oct 2024 | Last Updated: Apr 2020

4.3.1.2 Expiration Date on Campus Cards

The expiration date for a Campus Card must comply with the encoding requirements specified in the
Visa Product Brand Standards if one of the following applies:
l The Interlink Mark appears on the card
l A deposit account with the Issuer is linked to the card

ID# 0030440 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 95

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Interlink Core Rules and Interlink Product and Service Rules

4.3.1.3 Use of the Interlink Marks on Campus Cards

For a Campus Card that is linked to a deposit account with the Issuer, an Issuer must both:
l Display the Interlink Mark on the Campus Card at least as prominently as the Acceptance Mark of
any other PIN-based Debit or ATM acceptance network.
l Print the statement “Purchase capability requires a linked deposit account,”1 in at least a 4-point
Helvetica type font, near the Interlink Mark
For a Campus Card that is not linked to a deposit account with the Issuer at the time of issuance, the
Issuer must, both:
l Not display the Interlink Mark on the card
l Provide written disclosure to the cardholder at the time of issuance that the Campus Card cannot
be used for purchases at Interlink Merchants until a linked deposit account is opened with the
Issuer
1
Print “ATM and Purchase capability require a linked deposit account,” if both Interlink and Plus Marks appear on the Card.

ID# 0030436 Edition: Oct 2024 | Last Updated: Apr 2018

4.4 Prepaid

4.4.2 Prepaid – General Purpose/Load Requirements

4.4.2.1 Reloadable Prepaid Cards and Non-Reloadable Prepaid Cards

An Issuer may offer Reloadable Prepaid Cards or Non-Reloadable Prepaid Cards. The Issuer must
comply with the requirements specified in all of the following:
l Visa International Prepaid Program Guidelines
l Visa ReadyLink Service Description and Implementation Guidelines
l Visa Prepaid Program Branding Guide
l Visa International Prepaid Retail Channel Guidelines
l Visa Global Physical Security Validation Requirements for Data Preparation, Encryption Support and
Fulfillment Card Vendors
l Federal and applicable state anti-money laundering program requirements

ID# 0030437 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 96

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Interlink Core Rules and Interlink Product and Service Rules

5 Acceptance

5.1 Responsibilities Related to Information and Notification

5.1.1 General Acceptance Requirements

5.1.1.1 Provision of Required Merchant Information

An Acquirer or its Agent must provide to Interlink information for each Merchant, Marketplace,
Sponsored Merchant,1 or Ramp Provider.1
A separate submission to Interlink is not required if the information has been previously submitted to
Visa.
The information must be accurate, updated whenever the information changes, and in the format
specified by Interlink, as follows:
l T/A (trading as) or DBA (doing business as) name
l Full legal name (if different from DBA name). For a sole proprietor, the information must include
the sole proprietor’s full first and last name, including the middle initial.
l Merchant Outlet address (including street address, city, state/province, and postal code [or country
equivalent])
l Telephone number2
l Acquirer-assigned Merchant ID
l Card acceptor identification
l US Federal Taxpayer Identification Number, and identification of the number as either a US Federal
Employer Identification Number (FEIN) or Social Security Number (SSN)
l Payment Facilitator name (for Sponsored Merchants only)
l Payment Facilitator identifier assigned by Visa/Interlink and Sponsored Merchant identifier
assigned by the Payment Facilitator, as applicable
l Ramp Provider identifier assigned by Interlink and Conversion Affiliate identifier assigned by the
Ramp Provider, as applicable.
l Merchant’s incorporation status (for example: corporation, partnership, sole proprietor, non-profit)
l Merchant’s primary and any secondary MCCs

19 October 2024 Visa Public 97

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1
An entity that operates only in the Card-Absent Environment (for example: Marketplace, Digital Wallet Operator, or Ramp
Provider) is subject to this requirement if the entity processes qualified Card-Absent Interlink Transactions.
2
This information is optional.

ID# 0026460 Edition: Oct 2024 | Last Updated: Apr 2024

5.1.1.2 Request for Transaction Record for Error Resolution

An Acquirer must cooperate fully with Interlink and all Interlink Members in the resolution of
Cardholder disputes and errors.
If requested by Interlink or an Interlink Member to provide information about a Transaction Record,
the Acquirer must send the requested information to the requestor within 10 calendar days of receipt
of the request.

ID# 0030441 Edition: Oct 2024 | Last Updated: Apr 2018

5.1.1.3 Transaction with an Unrecognized Service Code

An Acquirer must not prevent its Merchant from accepting a Card encoded with an unrecognized
Service Code.

ID# 0030442 Edition: Oct 2024 | Last Updated: Apr 2018

5.1.1.4 Restriction on Use of Automated Clearing House Service

An Acquirer must not route Transactions to the Issuer through a processing arrangement with the
Automated Clearing House.

ID# 0030443 Edition: Oct 2024 | Last Updated: Apr 2018

5.1.1.5 Permitted Merchant Surcharging

A Merchant and all its Merchant Outlets operating under the Merchant’s Trade Name that are located
in the original five-state Interlink Network areas of Arizona, California, Nevada, Oregon and
Washington may surcharge if either:
l The Merchant was an Interlink Network participant as of 23 September 1993 and was levying a
surcharge as of that date

19 October 2024 Visa Public 98

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l The Merchant became an Interlink Network participant after 23 September 1993 and both:
– A Merchant Agreement that permits surcharging was executed by 31 October 1993
– The Merchant was operational and levied a surcharge by 1 March 1994

ID# 0030444 Edition: Oct 2024 | Last Updated: Apr 2018

5.2 Acquirer Responsibilities Related to Merchants

5.2.1 Merchant Agreements and Merchant Relationships

5.2.1.1 Prohibition on Merchant Participation

Interlink may impose conditions upon a Merchant through the Acquirer or permanently prohibit a
Merchant’s participation in the Interlink Program for good cause if the Merchant fails to take
corrective action with respect to activity such as:
l Fraudulent activity
l Presenting a Transaction that was not the result of an act between the Cardholder and the
Merchant
l Repeated violation of the Interlink Rules
l Any other activities that may result in undue economic hardship or damage to the goodwill of the
Interlink program

ID# 0030445 Edition: Oct 2024 | Last Updated: Apr 2018

5.2.1.2 Use of Interlink Routing File for Card-Absent Interlink Transactions

An Acquirer that supports Card-Absent Interlink Transaction processing must subscribe to and use,
and require that its Merchant’s Merchant Processors subscribe to and use, either the Interlink and
Visa Routing File or the PIN at Point of Sale Routing File, and process updates to it within 6 days of
receipt.

ID# 0030977 Edition: Oct 2024 | Last Updated: Apr 2023

5.2.1.3 Merchant Agreement-Related Acquirer Responsibilities

Unless specified otherwise in the Interlink Rules, the form, content and appearance of a Merchant
Agreement is at the discretion of the Acquirer.
The Acquirer must comply with all of the following:

19 October 2024 Visa Public 99

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Interlink Core Rules and Interlink Product and Service Rules

l Ensure that provisions included in its Merchant Agreement are consistent with the Interlink Rules
l Update the Merchant Agreement in response to amendments to Interlink Rules
l Retain the Merchant Agreement at its place of business
l Ensure that the Merchant Agreement provides for immediate termination of the Merchant for any
significant circumstances that create harm or loss of goodwill to the Interlink Network

ID# 0028044 Edition: Oct 2024 | Last Updated: Apr 2023

5.2.1.4 Merchant Category Code (MCC) Assignment

Unless otherwise required by law, an Acquirer must assign to a Merchant Outlet the MCC that most
accurately describes its business.
An Acquirer must assign 2 or more MCCs to a Merchant Outlet if either:
l The Merchant Outlet has deployed an Automated Fuel Dispenser and sells fuel or other goods or
services in a Face-to-Face Environment.
l Separate lines of business are located at the same Merchant Outlet and one or more of the
following applies:
– A separate Merchant Agreement exists for each line of business.
– Multiple Merchant Outlets on the same premises display different Merchant names.
– One of the lines of business is designated by Visa/Interlink to be a High-Integrity Risk Merchant.
– An Electronic Commerce Merchant Outlet1 contains a link to a separate electronic commerce
website, and each website qualifies for a different MCC
1
An Interlink Transaction processed by an Electronic Commerce Merchant must qualify as a Card-Absent Interlink
Transaction.

ID# 0003133 Edition: Oct 2024 | Last Updated: Apr 2023

5.2.1.5 Retention of Merchant Investigation Results

An Acquirer investigating a Merchant must retain all applicable documentation for a minimum of 2
years following the termination of the Merchant Agreement.

ID# 0030446 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 100

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5.2.1.6 Sponsored Merchant Notification

An Acquirer that sponsors 50 or more Merchants must notify Interlink of each Merchant it sponsors
and provide information about the Merchant at least 3 business days before initiating the first
Transaction.
Interlink may use and disclose Merchant name and location information on the Internet for public
use.

ID# 0030447 Edition: Oct 2024 | Last Updated: Apr 2018

5.2.1.7 Requirements for Acquirers Soliciting Electronic Commerce Merchant

Applications
An Acquirer soliciting Electronic Commerce Merchant applications to process a Card-Absent Interlink
Transaction must list Merchant Outlet location requirements on its website and/or application.

ID# 0004630 Edition: Oct 2024 | Last Updated: Apr 2023

5.2.1.8 Due Diligence Review of Prospective Merchant or Sponsored Merchant

Before contracting with a prospective Merchant or Sponsored Merchant, an Acquirer or a Payment
Facilitator must conduct an adequate due diligence review, including a site visit to the business
premises (if applicable) or suitable alternative, to ensure compliance with the Acquirer’s obligation to
submit only legal Transactions to VisaNet.
Additional due diligence to enable processing of Card-Absent Interlink Transactions is not required if
the Acquirer or Payment Facilitator has conducted one to comply with Visa requirements.

ID# 0005251 Edition: Oct 2024 | Last Updated: Apr 2023

5.2.1.9 Merchant Name Assignment

The name used to identify a Merchant must be all of the following:
l The name it primarily uses to identify itself to its customers
l That is displayed at each Merchant Outlet
l For an Electronic Commerce Merchant,1 the name displayed on the Merchant’s website and/or
application. For Electronic Commerce Transactions, the website address may be used, unless the
website address is not directly related to the Merchant name.

19 October 2024 Visa Public 101

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l Used consistently, including spelling, in every place that it is used, including, but not limited to, the
following:
– Transaction Receipt provided to the Cardholder
– Pre-Authorization Request, Pre-Authorization Completion, Authorization Request, or
Completion Message
– Dispute, Dispute Response, and Acquirer-initiated pre-Arbitration records
The Acquirer must correct non-compliant Merchant names or those causing Cardholder confusion.
1
A Transaction processed by an Electronic Commerce Merchant must qualify as a Card-Absent-Interlink Transaction.

ID# 0027816 Edition: Oct 2024 | Last Updated: Apr 2023

5.3 Payment Facilitators, Digital Wallet Operators, and Marketplaces

5.3.1 Acquirer Responsibilities and Liabilities in Marketplace, Payment Facilitator,

and Digital Wallet Operator Agreements

5.3.1.1 Required Content of Payment Facilitator Agreement or Digital Wallet

Agreement
The Acquirer must include all of the following in a Payment Facilitator Agreement or a Digital Wallet
Operator (DWO) agreement:1
l A requirement that the Payment Facilitator and its Sponsored Merchants, or the DWO comply with
the Interlink Rules
l A requirement that the Payment Facilitator enter into a contract with each Sponsored Merchant
l The Acquirer’s right to immediately terminate a Sponsored Merchant, the Payment Facilitator, a
DWO, or a retailer signed by a DWO for good cause or fraudulent or other activity or upon Interlink
request
l Statements specifying that the Payment Facilitator or the DWO:
– Is liable for all acts, omissions, Cardholder disputes, and other Cardholder customer service-
related issues caused by the Payment Facilitator’s Sponsored Merchants, or the retailer signed
by a DWO
– Is responsible and financially liable for each Transaction processed on behalf of the Sponsored
Merchant, or for any disputed Transaction or credit
– Must not transfer or attempt to transfer its financial liability by asking or requiring Cardholders
to waive their dispute rights

19 October 2024 Visa Public 102

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Interlink Core Rules and Interlink Product and Service Rules

– Must not permit a Sponsored Merchant to transfer or attempt to transfer its financial liability by
asking or requiring Cardholders to waive their dispute rights
– Must not deposit Transactions on behalf of another Payment Facilitator
– Must not contract with a Sponsored Merchant, or a retailer in the case of a DWO, whose
contract to accept Transactions was terminated at the direction of Interlink or a government
agency
– Must provide the names of principals and their country of domicile for each of its Sponsored
Merchants, or retailers signed by an DWO, and Transaction reports to its Acquirer and to
Interlink upon request
– Must ensure that its Sponsored Merchants comply with the Payment Card Industry Data Security
Standard (PCI DSS) and the Payment Card Industry (PCI) Software Security Framework (SSF)
Standards
1
Electronic Commerce Transactions processed on the Interlink Network must qualify as Card-Absent Interlink Transactions.

ID# 0026431 Edition: Oct 2024 | Last Updated: Apr 2024

5.3.1.2 Acquirer Liability for Payment Facilitators and Sponsored Merchants

A Sponsored Merchant will be treated as a Merchant of its Payment Facilitator’s Acquirer.
An Acquirer that contracts with a Payment Facilitator is liable for all acts, omissions, and other
adverse conditions caused by the Payment Facilitator and its Sponsored Merchants, including, but
not limited to:
l Related legal costs
l Settlement to the Payment Facilitator or Sponsored Merchant
l Fulfillment of Settlement obligations for funds disbursement/money transfer/P2P programs
The acts and omissions caused by a Sponsored Merchant will be treated as those of the Payment
Facilitator and those caused by a Payment Facilitator or a Sponsored Merchant as those of the
Acquirer.

ID# 0006574 Edition: Oct 2024 | Last Updated: Apr 2023

5.3.1.3 Acquirer Assignment of Unique Card Acceptor Identification (CAID)

Number
Effective 20 July 2024 through 31 August 2024 For Card-Absent Environment Transactions, an
Acquirer must assign a unique Card acceptor identification (CAID) number to each Merchant,
Payment Facilitator, and Staged Digital Wallet, except for the following cases:

19 October 2024 Visa Public 103

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Interlink Product and Service Rules
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l Acquirers may assign a unique Card acceptor identification number either:

– For each Card-Absent Environment Merchant DBA (doing business as) or unique business line,
including to differentiate between a Merchant in a Card-Present Environment and Card-Absent
Environment
– If the Card-Absent Environment Merchant can demonstrate another legitimate line of business
l Payment Facilitators may use for Card-Absent Environment Transactions one Card acceptor
identification number for all Sponsored Merchants, except:
– High-Integrity Risk Merchants with specific MCCs must use a unique Card acceptor
identification number
– Sponsored Merchants that generate more than USD 1 million in annual payment volume must
use a unique Card acceptor identification number
l Interlink may require Acquirers to use a unique Card acceptor identification number for Card-
Absent Environment Merchants that could cause undue harm to the goodwill of the Visa payment
system, including those exceeding excessive declines, Fraud Activity, and Dispute thresholds.

ID# 0031049 Edition: Oct 2024 | Last Updated: Oct 2024

5.3.1.4 Acquirer Requirements for Contracting with Payment Facilitators

If an Acquirer contracts with a Payment Facilitator, it must comply with all of the following:
l Be in good standing in all Interlink risk management programs
l Be financially sound (as determined by Visa/Interlink)
l Ensure that its registration of its Payment Facilitator, including the attestation of due diligence
review, is confirmed by Interlink before submitting Transactions on behalf of the Payment
Facilitator or its Sponsored Merchant. If the Payment Facilitator is considered to be high-integrity
risk, it must be registered as a High-Integrity Risk Payment Facilitator even if that Payment
Facilitator has previously been registered with Visa/Interlink.
l All of the following:
– Obtain from Visa/Interlink a unique Payment Facilitator identifier that must be assigned by the
Acquirer to each Payment Facilitator to use in Transaction processing
– Ensure the Payment Facilitator determines and assigns a unique identifier to each Sponsored
Merchant
– Ensure that every Transaction contains the Payment Facilitator identifier and the Sponsored
Merchant identifier in the Pre-Authorization Request or Authorization Request and the
Completion Message

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l Effective 20 July 2024 through 31 August 2024 Assign to each Payment Facilitator when
processing Card-Absent Environment Transactions, a unique Card acceptor identification (CAID)
number, as specified in Section 5.3.1.3, Acquirer Assignment of Unique Card Acceptor Identification
(CAID) Number
l If the Acquirer settles the proceeds of Transactions submitted by the Payment Facilitator on behalf
of its Sponsored Merchants, pay the proceeds into a bank account that is in the jurisdiction of the
Acquirer
l Not allow its Payment Facilitator to provide payment services to outbound telemarketers
l Upon Interlink request, submit to Interlink activity reporting on its Payment Facilitator’s Sponsored
Merchants that includes all of the following for each Sponsored Merchant:
– Sponsored Merchant name as it appears in the Merchant name field
– Sponsored Merchant DBA name
– Payment Facilitator name
– Monthly Transaction count and amount
– Monthly Dispute count and amount
l Ensure that its Sponsored Merchants and the Sponsored Merchants of its Payment Facilitators
follow all Merchant-related rules
l Ensure that its Payment Facilitators provide customer service directly or through its Sponsored
Merchants
l Ensure that its Payment Facilitators have access to the results of any positive matches on the Visa
Merchant Screening Service (VMSS)
l In addition, all of the following:
– Include in its contract with the Payment Facilitator a clear statement of both the jurisdiction
within which the Payment Facilitator may contract with Sponsored Merchants and the category
(or categories) of Sponsored Merchants with which it may contract
– When a Cardholder can access a Payment Facilitator’s website and/or application directly,
ensure that its Payment Facilitator both:1
▪ Provides customer service and after-sales support, either directly or via its Sponsored
Merchants, in all languages in which services are offered
▪ Clearly display customer service contact information or trading office contact information on
its website and/or application
– Ensure that its Payment Facilitator reports Sponsored Merchant and Transaction Information to
the Acquirer and, upon request, to Interlink

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– Ensure that its Payment Facilitator uses the appropriate MCC for each Sponsored Merchant and
other required indicators to identify Merchant or Transaction type
1
An Electronic Commerce Transaction processed by a Payment Facilitator must be a qualified Card-Absent Interlink
Transaction.

ID# 0026435 Edition: Oct 2024 | Last Updated: Oct 2024

5.3.1.5 Acquirer, Payment Facilitator, and Sponsored Merchant Agreement Terms

An Acquirer that contracts with a Payment Facilitator1 must enter into a direct Merchant Agreement
with a Sponsored Merchant that exceeds USD 1 million in annual Transaction volume, as follows:
l For a Sponsored Merchant new to the Payment Facilitator, before processing any Transactions
l For a Sponsored Merchant with an existing Merchant Agreement with the Payment Facilitator, the
earlier of either:
– The renewal of the Merchant Agreement with the Payment Facilitator
– 2 years after the Sponsored Merchant’s annual Transaction volume exceeds USD 1 million
A Payment Facilitator may continue to provide payment services (including settlement) to the
Merchant.
An Acquirer is not required to enter into a direct Merchant Agreement if either:
l All of the following:2
– The Payment Facilitator has held the relationship with the Sponsored Merchant for at least 2
years with the same Acquirer.
– The Payment Facilitator provides regular reporting to the Acquirer that includes, at a minimum,
Sponsored Merchant Transaction volume, Disputes, and Fraud Activity.
– The Acquirer continues to oversee the Payment Facilitator and the Sponsored Merchant’s
relationship.
l The Sponsored Merchant is classified with one of the following MCCs:
– 4900 (Utilities – Electric, Gas, Water, and Sanitary)
– 6012 (Financial Institutions – Merchandise, Services, and Debt Repayment)
– 6051 (Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency Assets [for
example: Cryptocurrency], Money Orders [Not Money Transfer], Account Funding [not Stored
Value Load], Travelers Cheques, and Debt Repayment)
– 6513 (Real Estate Agents and Managers – Rentals)
– 8011 (Doctors and Physicians [Not Elsewhere Classified])

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– 8050 (Nursing and Personal Care Facilities)

– 8062 (Hospitals)
– 8099 (Medical Services and Health Practitioners [Not Elsewhere Classified])
– 8211 (Elementary and Secondary Schools)
– 8220 (Colleges, Universities, Professional Schools, and Junior Colleges)
– 8241 (Correspondence Schools)
– 8244 (Business and Secretarial Schools)
– 8249 (Trade and Vocational Schools)
– 8299 (Schools and Educational Services [Not Elsewhere Classified])
– 9311 (Tax Payments)
– 9211 (Court Costs, Including Alimony and Child Support)
– 9222 (Fines)
– 9223 (Bail and Bond Payments)
Interlink reserves the right to amend these terms, including, but not limited to, the Payment
Facilitator and Acquirer contract limit.
1
An Electronic Commerce Transaction processed by a Payment Facilitator must be a qualified Card-Absent Interlink
Transaction.
2
The Acquirer may implement a direct or tri-party agreement, except if the Sponsored Merchant is a High-Integrity Risk
Merchant, T&E Merchant, or Merchant that conducts Advance Payments.

ID# 0030891 Edition: Oct 2024 | Last Updated: Oct 2023

5.3.1.6 Additional Sponsored Merchant Requirements for Payment Facilitators

A Payment Facilitator may contract with a Business Payment Solution provider, Consumer Bill
Payment Service provider, Digital Wallet Operator that operates a Stored Value Digital Wallet, or
Marketplace to process a qualified Card-Absent Interlink Transactions only if all of the following:1
l The Acquirer is a party to the Merchant Agreement with the Business Payment Solution provider,
Consumer Bill Payment Service provider, Digital Wallet Operator, or Marketplace.
l The Acquirer, Consumer Bill Payment Service provider, Digital Wallet Operator, or Marketplace are
all located either in the US Region or the same US Territory.

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l For Marketplaces, both:

– The Marketplace identifier is populated as the Sponsored Merchant identifier in addition to the
Payment Facilitator identifier.
– At least 75% of the Marketplace’s sellers are located in the same country as the Marketplace.
l For Digital Wallet Operators that operate Stored Value Wallets, High-Integrity Risk Transactions
and person-to-person (P2P)/money transfer programs are not permitted.
A Payment Facilitator must not contract with another Payment Facilitator, a Digital Wallet Operator
that operates a Staged Digital Wallet, or Ramp Provider.
If a Payment Facilitator contracts with a Business Payment Solution provider, Consumer Bill Payment
Service provider, Digital Wallet Operator that operates a Stored Value Digital Wallet, or Marketplace,
each Business Payment Solution provider, Consumer Bill Payment Service provider, Digital Wallet
Operator, or Marketplace is considered a Sponsored Merchant of the Payment Facilitator.
1
Effective through 31 March 2025 The Acquirer, Payment Facilitator, Consumer Bill Payment Service provider, Digital
Wallet Operator, or Marketplace must not be identified in any Visa/Interlink risk programs (for example: Visa Integrity Risk
Program) or have had excessive risk program violations in the 3 years before entering into a Merchant Agreement or
Payment Facilitator Agreement.
Effective 1 April 2025 The Acquirer, Payment Facilitator, and Business Payment Solution provider, Consumer Bill Payment
Service provider, Digital Wallet Operator, or Marketplace must not be identified in any Visa risk programs (for example:
Visa Acquirer Monitoring Program or Visa Integrity Risk Program) or have had excessive risk program violations in the 3
years before entering into a Merchant Agreement or Payment Facilitator Agreement.

ID# 0030892 Edition: Oct 2024 | Last Updated: Apr 2024

5.3.2 Payment Facilitator, Digital Wallet Operator, Marketplace, Ramp Provider

Responsibilities and Requirements

5.3.2.1 Assignment of Digital Wallet Operator, Marketplace, or Ramp Provider

Location
The correct location assigned by an Acquirer of its Payment Facilitator, Digital Wallet Operator
(DWO), or Marketplace must be the country in which the entity maintains as its Principal Place of
Business.
For an entity that processes Transactions on the Interlink Network, the Principal Place of Business
must be the US Region or US Territory.
A Card-Absent Environment Transaction processed by a Payment Facilitator, DWO or a Marketplace
must qualify as a Card-Absent Interlink Transaction.

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For a Card-Absent Interlink Transaction, an Acquirer must assign the correct location of a Ramp
Provider as the country of the Ramp Provider’s Principal Place of Business.
For a Card-Absent Interlink Transaction, an Acquirer may assign additional Ramp Provider locations if
all of the following occur in each country:
l The Ramp Provider has a permanent location at which the Ramp Provider’s employees or agents
conduct the business activity directly related to the provision of the Ramp Provider’s services to the
Conversion Affiliates.
l Cardholder correspondence and judicial process are sent by/delivered to the Ramp Provider.
l The Ramp Provider pays taxes related to revenue earned from the provision of services to
Cardholders and Card acceptance services to Conversion Affiliates, if the country levies such taxes.
l The Conversion Affiliate is subject to local laws and regulations.

ID# 0029139 Edition: Oct 2024 | Last Updated: Apr 2024

5.3.2.2 Qualification as a Marketplace, Merchant, Payment Facilitator, Digital

Wallet Operator, or Ramp Provider
An entity that deposits a Transaction, receives settlement from, or contracts with an Acquirer is
classified as a Merchant if all of the following apply:
l The entity represents itself as selling the goods or services to the Cardholder.
l The entity uses its name primarily to identify its Merchant Outlet to the Cardholder.
l The entity provides recourse to the Cardholder in the event of a dispute.
Otherwise, the entity is classified as one of the following:
l A Digital Wallet Operator (DWO)1
l A Marketplace1
l A Payment Facilitator1
l A Ramp Provider
Interlink reserves the right to determine whether an entity is a Payment Facilitator, a Marketplace,1 a
Merchant, a DWO,1 or a Ramp Provider and may use additional criteria including, but not limited to,
the entity’s name that appears on the Transaction Receipt and the entity that:
l Owns or takes possession of the goods or services
l Books the sale as revenue
l Provides customer service and handles returns

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A retailer must not transfer the title or ownership from the retailer to another entity momentarily
before the goods/services are sold to the Cardholder (a “flash title transfer”). A recipient of a flash
title transfer is not classified as a Merchant.
In a Franchise arrangement, the franchisee is considered to be part of the overall Franchise-Merchant
relationship and not a different Merchant.
1
A Card-Absent Environment Transaction deposited by a Payment Facilitator, Digital Wallet Operator (DWO), Marketplace,
or a Ramp Provider must be a qualified Card-Absent Interlink Transaction.

ID# 0030076 Edition: Oct 2024 | Last Updated: Apr 2024

5.3.3 Digital Wallet Operators

5.3.3.1 Staged Digital Wallet – Acquirer Requirements

An Acquirer’s contract with a Digital Wallet Operator (DWO) that operates a Staged Digital Wallet
must be limited to the processing of Card-Absent Interlink Transactions.
An Acquirer must comply with all of the following:
l Be in good standing in all Visa/Interlink risk management programs
l Register the DWO as a Third Party Agent with Visa/Interlink
l Effective 20 July 2024 through 31 August 2024 Assign to the Staged Digital Wallet when
processing Card-Absent Environment Transactions, a unique Card acceptor identification (CAID)
number, as specified in Section 5.3.1.3, Acquirer Assignment of Unique Card Acceptor Identification
(CAID) Number
l Obtain a Merchant Verification Value (MVV) for each DWO
l Pay the proceeds of Transactions conducted via the DWO into a bank account in the DWO location

ID# 0029535 Edition: Oct 2024 | Last Updated: Oct 2024

5.3.3.2 Digital Wallet Operator Requirements

A Digital Wallet Operator (DWO) that processes qualified Card-Absent Interlink Transactions is
subject to the requirements specified in this section.
A Digital Wallet Operator (DWO) must comply with all of the following:

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l Not contract with a Payment Facilitator, another DWO, or a Ramp Provider1 to process Transactions
l Display on the payment screen and all screens that show account information both:
– The last 4 digits of the Payment Credential
– The Interlink Brand Mark or the name “Interlink” in text immediately next to a Visa payment
option
l If the wallet can be used at a retailer that Visa classifies as a High-Integrity Risk Merchant, both of
the following before submitting Transactions:
– Be registered with Visa/Interlink as a High-Integrity Risk Merchant
– Ensure that applicable retailers that receive payment from the DWO are registered as High-
Integrity Risk Merchants
l In addition, for a Staged Digital Wallet, all of the following:
– The DWO and the retailer must be located in the US Region or the same US Territory
– Have an acceptance contract with each retailer and conduct appropriate due diligence
– Enable Transactions only through its own proprietary acceptance mark or a mark that is not that
of a non-Interlink general purpose payment network
– Not assign to a Cardholder a Payment Credential or a credential of a non-Interlink general
purpose payment network to conduct Back-to-Back Funding
1
This applies to Staged Digital Wallets only.

ID# 0030711 Edition: Oct 2024 | Last Updated: Apr 2024

5.3.3.3 Merchant Wallet Transaction Processing Requirements

A Digital Wallet Operator that operates a Merchant Wallet must process Transactions as follows:
l Where the Merchant Wallet is used at a Merchant Corporation that consists of a single Merchant
brand assigned a single Merchant Category Code, process all Transactions as a purchase.
l Where the Merchant Wallet is used at a Merchant Corporation that consists of multiple Merchant
brands, with each brand assigned the same Merchant Category Code, both of the following:
– If the Merchant Wallet can only be funded before the Cardholder makes a purchase, process all
subsequent Transactions as purchases
– If the wallet supports Back-to-Back Funding, comply will all requirements applicable to Staged
Digital Wallets, as specified in Section 5.3.3, Digital Wallet Operators
l Where the Merchant Wallet is used at a Merchant Corporation that consists of multiple Merchant
brands, and various MCCs are assigned, as applicable, to the respective Merchant brands, both of

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the following:
– If the wallet can only be funded before the Cardholder makes a purchase, comply with all
requirements applicable to Stored Value Digital Wallets as specified in Section 5.3.3, Digital
Wallet Operators
– If the wallet supports Back-to-Back Funding, comply with all requirements applicable to Staged
Digital Wallets as specified in Section 5.3.3, Digital Wallet Operators

ID# 0030991 Edition: Oct 2024 | Last Updated: Apr 2023

5.3.4 Acquirer Responsibility for Marketplaces

5.3.4.1 Marketplace Qualification Requirements

A Marketplace may process an Interlink Transaction only if the Transaction qualifies as a Card-Absent
Interlink Transaction.
An entity qualifies as a Marketplace if it meets all of the following requirements:
l Brings together Cardholders and retailers on an electronic commerce website or mobile
application
l Its name or brand is:
– Displayed prominently on the website or mobile application
– Displayed more prominently than the name and brands of retailers using the Marketplace
– Part of the mobile application name or URL
l Handles payments for sales and refunds on behalf of the retailers that sell goods and services
through the Marketplace, and receive settlement for Transactions on their behalf
l Is financially liable for Disputes and resolves disputes between Cardholders and retailers by
providing either:
– A decision that binds both Cardholder and retailer
– A money-back guarantee funded by the Marketplace
l Ensures that no retailer that is located outside the Marketplace’s jurisdiction exceeds both:
– USD 10 million in annual Visa/Interlink volume through the Marketplace
– 10% of the Marketplace’s annual Visa/Interlink volume
The following Merchant types are not eligible to be Marketplaces or retailers using a Marketplace:

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l Franchisees
l Travel agents
l High-Integrity Risk Merchants

ID# 0030069 Edition: Oct 2024 | Last Updated: Apr 2023

5.3.4.2 Required Additional Content of Marketplace Agreement

In addition to the required content of a Merchant Agreement, an Acquirer must include all of the
following in a Marketplace1 agreement:
l A requirement that the Marketplace and its retailers comply with the Interlink Rules
l A requirement that the Marketplace enter into a contract with each retailer before it deposits
Transactions on the retailer’s behalf
l The Acquirer’s right to prohibit individual retailers from participating in the Interlink Network and
to immediately stop depositing Transactions for any individual retailer for good cause or upon
Interlink request
l Statements specifying that the Marketplace in the US or US Territory:
– Is permitted to process Transactions for retailers outside the US Region or US Territory, and
must ensure that the Transactions are legal in the US Region/US Territory and in the country of
the retailer
– Is liable for all acts, omissions, Cardholder disputes, and other Cardholder customer service-
related issues caused by the Marketplace’s retailers
– Is responsible and financially liable for each Transaction processed on behalf of a retailer
– Must not transfer or attempt to transfer, or permit the retailer to transfer or attempt to transfer,
its financial liability by asking or requiring Cardholders to waive their dispute rights
– Must deposit Transactions only on behalf of retailers of goods and services that use the
Marketplace’s website or application
– Must not knowingly contract with a retailer whose contract to accept Transactions was
terminated at the direction of Visa/Interlink or a government agency
1
An Acquirer’s agreement with a Marketplace for the purpose of processing Interlink Transactions applies only to
qualifying Card-Absent Interlink Transactions.

ID# 0030070 Edition: Oct 2024 | Last Updated: Apr 2023

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5.3.4.3 Acquirer Liability for Marketplaces

An Acquirer that contracts with a Marketplace1 is liable for all acts, omissions, and other adverse
conditions caused by the Marketplace and its retailers, including, but not limited to:
l Related legal costs
l Settlement to the Marketplace or retailer
The acts and omissions of a retailer will be treated as those of the Marketplace, and the Acquirer is
fully liable for any losses to Interlink, its Members, or other stakeholders caused by a Marketplace or
its retailers.
1
For the purpose of processing Interlink Transactions, an Acquirer’s contract with a Marketplace is limited to qualified
Card-Absent Interlink Transactions.

ID# 0030071 Edition: Oct 2024 | Last Updated: Apr 2023

5.3.4.4 Marketplace Acquirer Requirements

An Acquirer that contracts with a Marketplace1 must comply with all of the following:
l Be in good standing in all Visa/Interlink risk management programs
l Register the Marketplace as a Third Party Agent with Visa/Interlink
l Ensure that adequate due diligence is applied to retailers using a Marketplace and that risk
management controls are in place to do all of the following:
– Prevent Transactions that might be illegal in the US Region and US Territories or in the location
of the retailer2
– Prevent the sale of counterfeit products or goods that infringe intellectual property
– Provide a process to investigate and remediate rights-holder complaints
– Ensure that the Marketplace and its retailers are not engaged in any activity that could cause
harm to the Interlink brand
– Ensure compliance with all laws, regulations, requirements, and Interlink Rules relating to anti-
money laundering and anti-terrorist funding
l Ensure that the Marketplace complies with all Interlink Rules relating to Merchants unless
otherwise stated or unless the rule is inconsistent with a rule specific to Marketplaces
l Obtain from Visa/Interlink a unique Marketplace identifier and include the Marketplace identifier in
all Transaction messages

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1
For the purpose of processing Interlink Transactions, an Acquirer’s contract with a Marketplace is limited to qualified
Card-Absent Interlink Transactions.
2
To determine the location of a retailer, an Acquirer and a Marketplace must use the retailer’s Principal Place of Business or
an additional Merchant Outlet location, if applicable, as specified in Section 1.5.1.3, Assignment of Merchant Outlet
Location.

ID# 0030072 Edition: Oct 2024 | Last Updated: Apr 2023

5.3.4.5 Reporting Requirements for Acquirers of Marketplaces

An Acquirer must include a foreign retail indicator to identify Domestic Transactions involving a
Marketplace1 retailer located outside the US Region or US Territory.
To determine the location of a retailer, an Acquirer and a Marketplace must use the retailer’s Principal
Place of Business or an additional Merchant Outlet location, if applicable, as specified in Section
1.5.1.3, Assignment of Merchant Outlet Location.
1
An Interlink Transaction processed by a Marketplace must be a qualified Card-Absent Interlink Transaction.

ID# 0030073 Edition: Oct 2024 | Last Updated: Oct 2023

5.3.5 Ramp Provider Acquirer Requirements

5.3.5.1 Required Additional Content of Ramp Provider Agreement

In addition to the required content of a Merchant Agreement, an Acquirer must at least include all of
the following in a Ramp Provider agreement:1
l A requirement that the Ramp Provider and its Conversion Affiliates comply with the Interlink Rules.
l A requirement that the Ramp Provider enter into a contract with each Conversion Affiliate before it
deposits Transactions on the Conversion Affiliate.
l The Acquirer’s right to prohibit individual Conversion Affiliates from participating in the Interlink
system and to immediately stop depositing Transactions for any individual retailer for good cause
or upon Visa request.
l Statements specifying that the Ramp Provider:
– Is permitted to process Transactions for Conversion Affiliates located in a different country to
the Ramp Provider1,2 and must ensure that Transactions are legal in the country of the Ramp
Provider and of the Conversion Affiliate.3
– Is liable for all acts, omissions, Cardholder disputes, and other Cardholder customer service-
related issues caused by the Ramp Provider’s Conversion Affiliates.

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– Is responsible and financially liable for each Transaction processed on behalf of a Conversion
Affiliate.
– Must not transfer or attempt to transfer, or permit the Conversion Affiliate to transfer or attempt
to transfer, its financial liability by asking or requiring Cardholders to waive their dispute rights.
– Must not deposit Transactions on behalf of another Ramp Provider, Payment Facilitator or,
Staged Digital Wallet.
– Must deposit Transactions only on behalf of Conversion Affiliates of goods and services that use
the Ramp Provider’s services under a contract.
– Must not knowingly contract with a retailer whose contract to accept Transactions was
terminated at the direction of Interlink or a government agency.
– Must provide the names of principles and their country of domicile for each of its Conversion
Affiliates and Transaction reports to its Acquirer and to Interlink upon request.
– Must ensure that its Conversion Affiliates comply with the Payment Card Industry (PCI) Software
Security Framework (SSF), if the Ramp Provider delivers payment information to Conversion
Affiliates.
1
An Acquirer in the Card-Absent Environment is subject to this requirement if the Acquirer processes Card-Absent Interlink
Transactions.
2
To determine the location of a Conversion Affiliate, an Acquirer and a Ramp Provider must use the Conversion Affiliate
Place of Business or an additional Merchant Outlet location, if applicable, as specified in Section 1.5.1.3, Assignment of
Merchant Outlet Location
3
This requirement if the Acquirer processes Card-Absent Interlink Transactions in the US Region or a US Territory.

ID# 0031033 Edition: Oct 2024 | Last Updated: Apr 2024

5.3.5.2 Ramp Provider Acquirer Requirements

An Acquirer that contracts with a Ramp Provider must do all of the following:1
l Be in good standing in all Interlink risk management programs.
l Be financially sound (as determined by Interlink).
l Ensure the Ramp Provider does not contract with a Payment Facilitator or Staged Digital Wallet
Operator to process Transactions.
l Register the Ramp Provider as a Third Party Agent with Interlink.
l Ensure that adequate due diligence is applied to Conversion Affiliates using a Ramp Provider and
that risk management controls are in place to do all of the following:

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– Prevent Transactions that are illegal in the location of the Ramp Provider, the location of its
Conversion Affiliate,2 or the location of the Cardholder.
– Prevent the sale of counterfeit products or goods that infringe on intellectual property.
– Provide a process to investigate and remediate rights-holder complaints.
– Ensure that the Ramp Provider and its Conversion Affiliates are not engaged in any activity that
could cause harm to the Visa brand.
– Ensure compliance with all laws, regulations, and requirements, and Interlink Rules relating to
anti-money laundering and anti-terrorist financing.
l Ensure that the Ramp Provider complies with all Interlink Rules relating to Merchants unless
otherwise stated or unless the rule is inconsistent with a rule specific to Ramp Providers.
l All of the following:
– Obtain from Interlink a unique Ramp Provider identifier3 that must be assigned by the Acquirer
to each Ramp Provider to use in Transaction processing.
– Ensure the Ramp Provider determines and assigns a unique identifier3 to each Conversion
Affiliate.
– Ensure that every Transaction contains the Ramp Provider identifier and the Conversion Affiliate
identifier, as follows:
▪ In an Authorization record, both the Ramp Provider identifier3 and the Conversion Affiliate
identifier
▪ In a Clearing Record, only the Ramp Provider identifier
l Register the Ramp Provider in Visa’s High-Integrity Risk program. If the Ramp Provider supports a
Conversion Affiliate that Interlink classifies as High-Integrity Risk, the Conversion Affiliate must also
be registered as a High-Integrity Risk Merchant before submitting Transactions.
l Ensure that the Ramp Provider holds a contract with each Conversion Affiliate.
l Ensure that its Ramp Provider uses the appropriate MCC for each Conversion Affiliate and other
required indicators to identify a Merchant or Transaction type.
1
An Acquirer in the Card-Absent Environment is subject to this requirement if the Acquirer processes Card-Absent Interlink
Transactions.
2
To determine the location of a Conversion Affiliate, an Acquirer and a Ramp Provider must use the Conversion Affiliate’s
Principal Place of Business or an additional Merchant Outlet location, if applicable, as specified in Section 1.5.1.3,
Assignment of Merchant Outlet Location
3
An Acquirer must send the tax identification and Merchant legal name if it has obtained the Ramp Provider’s consent to
do so. If not, the Acquirer must send the Ramp Provider identifier and the Conversion Affiliate identifier.

ID# 0031031 Edition: Oct 2024 | Last Updated: Apr 2024

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5.4 Merchant and Cardholder Interaction

5.4.1 Conditions of Card Acceptance

5.4.1.1 Minimum and Maximum Transaction Amount Prohibitions

A Merchant must not establish a minimum or maximum Transaction amount as a condition for
honoring a Card, but may establish a minimum or maximum Cash-Back amount if it supports Cash-
Back Transactions.

ID# 0026410 Edition: Oct 2024 | Last Updated: Apr 2020

5.4.2 Cardholder Validation with PIN

5.4.2.1 Cardholder PIN Requirement

A Merchant must require a Cardholder to enter a PIN to verify the Cardholder’s identity for
Transactions conducted at the Point of Sale (POS).1
The Merchant must not require Cardholder signature or other means of verifying Cardholder identity,
or ask the Cardholder to reveal the PIN.
1
This requirement does not apply to a qualified Card-Absent Interlink Transaction.

ID# 0008977 Edition: Oct 2024 | Last Updated: Apr 2023

5.4.2.2 Disclosure to Cardholders of Return, Refund, and Cancellation Policies

If a Merchant restricts the return of goods or cancellation of services, it must clearly disclose to a
Cardholder its return, refund, and cancellation policies, as follows:
l For Card-Present Environment Transactions, at the Point-of-Sale before the Cardholder completes
the Transaction or on the front of the Transaction Receipt. If the disclosure is on the Transaction
Receipt or in a separate contract, it must be accompanied by a space for the Cardholder to indicate
acceptance of the Merchant’s policy.
l For Transactions at an Electronic Commerce Merchant,1 during the sequence of pages before final
checkout, and include a “click to accept” button, checkbox, or other acknowledgement. The
disclosure may be a link to a separate page if that link forms part of the “click to accept”
acknowledgement and refers to the return, refund, or cancellation policy.
l For Card-Absent Environment Transactions1 that are not Electronic Commerce Transactions,
through mail, email, or text message

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l In addition, for a Guaranteed Reservation,1 the Merchant must:

– Disclose the date and time the stay or rental will begin and the location where the
accommodation, merchandise, or services will be provided
– Agree to hold the reservation unless it is cancelled according to the agreed policy. That policy
must include, but is not limited to the following:
▪ Date and time by which the Cardholder must cancel the reservation to avoid a penalty
▪ Amount the Cardholder must pay if the reservation is not properly cancelled by the deadline
and the Cardholder does not claim the accommodations, merchandise, or services within 24
hours of the agreed time
– If unable to honor the reservation, provide the agreed accommodations, merchandise, or
services, or comparable accommodations, merchandise, or services, at no additional cost to the
Cardholder or as agreed by the Cardholder
A Merchant must not require a Cardholder to waive the right to dispute a Transaction with the Issuer.
1
Interlink Card-Absent Environment Transactions, including Transactions at an Electronic Commerce Merchant, must be
qualified Card-Absent Interlink Transactions.

ID# 0008771 Edition: Oct 2024 | Last Updated: Apr 2023

5.4.3 Merchant Use of Cardholder Account Information

5.4.3.1 Merchant Use of Payment Credential, Cardholder Signature, Card

Verification Value 2 (CVV2), or Stored Credential
A Merchant must comply with all of the following:1
l Not request or use a Payment Credential for any purpose that is not related to payment for goods
and services
l Use a Stored Credential only as agreed with the Cardholder
l Not require a Cardholder to complete a postcard, or similar device, that will cause the Card account
data or the Cardholder’s signature to be in plain view when mailed
l Not request a Card Verification Value 2 (CVV2) from the Cardholder on any written form
l Not request a Card Verification Value 2 (CVV2) from the Cardholder for a Card-Present
Environment Transaction
l Display the last 4 digits of the Payment Credential on the payment screen and all screens that show
account information
1
Interlink Transactions completed in a Card-Absent Environment must qualify as Card-Absent Interlink Transactions.

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ID# 0008585 Edition: Oct 2024 | Last Updated: Oct 2023

5.5 Convenience Fees, and Service Fees

5.5.1 Convenience Fees – Allowances, Requirements, Restrictions, Amounts, and

Disclosures

5.5.1.1 Convenience Fees

Only a Merchant that has enabled Interlink processing for Card-Absent Interlink Transactions may
assess a Convenience Fee for such Transactions.
The Merchant must ensure that the fee is assessed as follows:
l Charged for a bona fide convenience in the form of an alternative payment channel outside the
Merchant’s customary payment channels and not charged solely for the acceptance of a card
l Not charged if the Merchant operates exclusively in a Card-Absent Environment
l Charged only by the Merchant that provides goods or services to the Cardholder
l Applicable to all forms of payment accepted in the payment channel
l Disclosed clearly to the Cardholder:
– As a charge for the alternative payment channel convenience
– Before the completion of the Transaction. The Cardholder must be given the opportunity to
cancel
l A flat or fixed amount, regardless of the value of the payment due
l Included as part of the total amount of the Transaction and not collected separately
l Not charged on a Recurring Transaction or an Installment Transaction

ID# 0027492 Edition: Oct 2024 | Last Updated: Apr 2023

5.5.2 Service Fees – Allowances, Requirements, Restrictions, Amounts, and

Disclosures

5.5.2.1 Service Fee Assessment Requirements

A Merchant, Acquirer, or third-party assessing a Service Fee must comply with all of the following
unless:

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l Be correctly assigned one of the following Merchant Category Codes (MCCs):

– 8211 (Elementary and Secondary Schools)
– 8220 (Colleges, Universities, Professional Schools, and Junior Colleges)
– 8244 (Business and Secretarial Schools)
– 8249 (Vocational and Trade Schools)
– 9211 (Court Costs, Including Alimony and Child Support)
– 9222 (Fines)
– 9311 (Tax Payments)
– 9399 (Government Services [Not Elsewhere Classified])
l Accept Interlink as a means of payment in all channels where payments are accepted. For a
Transaction in a Card-Absent interlink Environment, the Transaction must qualify as a Card-Absent
Interlink Transaction
l Be authorized to process tax payment Transactions if the Service Fee is charged by a government
taxing authority or its third party
l Disclose the fee clearly to the Cardholder as a Service Fee, or local language equivalent, before the
Transaction is completed and provide the ability for the Cardholder to cancel the Transaction
without incurring a fee or penalty
l Not represent the Service Fee as a fee charged by Interlink
l Ensure that the Service Fee amount is:
– A reasonable reflection of the costs associated with completing the Transaction (such as the
Merchant Discount Rate, Merchant service fee, or any other costs paid to third parties for
services directly related to accepting a Card) and, where possible, capped
– A flat, fixed, banded, or ad valorem amount, regardless of the value of the payment due, as
required by applicable laws or regulations
– Assessed only on the final Transaction amount, after all discounts and rebates have been
applied during the Transaction
– Not charged in addition to a surcharge or Convenience Fee
In addition, a government agency or education Merchant, or its third party, may assess a Service Fee
if the entity is both:
l Registered with Visa/Interlink
l Assigned a unique Merchant Verification Value
The Service Fee amount:

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l If assessed by a Merchant, may be processed as a separate Transaction

l If assessed by a third party for a qualified Card-Absent Interlink Transaction, must be processed as
a separate Transaction

ID# 0029275 Edition: Oct 2024 | Last Updated: Apr 2023

5.6 Acceptance Devices

5.6.1 Acceptance Device Requirements

5.6.1.1 Acceptance Device Requirements

An Acceptance Device must comply with the Transaction Acceptance Device Requirements and all of
the following requirements applicable to the device:

Table 5-1: Acceptance Device Requirements

Acceptance Device Type Requirements Region(s)

All l Act upon Card preferences for Cardholder All

Verification and/or request Online Authorization. If
the Service Code (for a Magnetic Stripe) or
Cardholder Verification Method list (for a Chip) or
the Card Transaction Qualifiers (for the Contactless
Chip) indicates a preference for a Cardholder
signature, the Merchant may process the
Transaction without the Cardholder signature.
l Accept all 16-digit Payment Credentials
l Make available to the Cardholder all Transaction
interfaces supported by the Merchant
l Be able to read a Magnetic Stripe and complete a
Magnetic Stripe-read Transaction. This
requirement does not apply to compliant
Contactless only devices, or if the mobile
Acceptance Device used by the Merchant is both:
– Compliant with the Payment Card (PCI)-
approved solution for commercial-off-the shelf
(COTS) devices
– Able to complete a payment Transaction

19 October 2024 Visa Public 122

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Table 5-1: Acceptance Device Requirements (continued)

Acceptance Device Type Requirements Region(s)

through other means at the same location

Make available to the Cardholder all Transaction All

interfaces supported by the Merchant

Be a Chip-Reading Device, including Unattended Canada

Cardholder-Activated Terminals

Contact Chip l Be approved by EMVCo All

l Process the Transaction using data read from the
Chip on a Chip Card unless any of the following
apply, in which case the Transaction must be
completed using data read from the Magnetic
Stripe of a Chip Card:
– The Chip is not EMV-Compliant
– The Chip reader is inoperable
– The Chip malfunctions during the Transaction or
cannot be read.
– The Chip Transaction cannot be completed due
to the absence of a mutually supported
Application Identifier (AID).
– If neither the Chip nor Magnetic Stripe of a Card
can be read by a Chip-enabled device, a
Merchant is not required to key enter a
Transaction
l If using an active PIN pad or PIN pad port capable
of supporting a PIN, both:
– Comply with Visa encryption standards
– Be active for Visa Chip-initiated Transactions. If
inactive for Chip-initiated Transactions, support
software to ensure compliance with Visa
encryption standards.
l Support “Plaintext Offline PIN” if it supports
“Enciphered Offline PIN” (excluding UCATs).

19 October 2024 Visa Public 123

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Table 5-1: Acceptance Device Requirements (continued)

Acceptance Device Type Requirements Region(s)

Support Fallback Transactions All

Support both “Plaintext Offline PIN” (excluding Canada

UCATs) and “Enciphered Offline PIN”

Contactless Chip l Effective through 31 July 2024 Be approved by All

EMVCo or Visa
l Effective 1 August 2024 Be approved as follows:
– Level 1 – EMVCo certified (full range proximity
coupling device (PCD) required)1
– Level 2 – EMVCo certified or Visa certified
l Not limit the Transaction amount of a Contactless
Transaction
l Forward to Visa the form factor indicator field in
the Authorization Request and Clearing Record,
when provided by a Contactless Payment Device
l Be capable of actively enabling and processing a
Transaction using the qVSDC transaction path and
transmitting the resulting Chip data to VisaNet
l If compliant with the Visa Contactless Payment
Specification Version 2.1 or later or the EMV
Contactless Specification for Payment Systems Book
C-3, do both of the following:
– Set the “Reader CVM Required Limit” to the
applicable Cardholder Verification Limit
– Set the “Reader Contactless Floor Limit” to the
applicable Proximity Payment Floor Limit
l Not support the MSD transaction path

Comply with the Visa Contactless Payment Canada, US

Specification 2.1.1 or later or the equivalent EMV
contactless kernel 3

Contactless-Only l Not have a disabled contact Chip reader or All

Magnetic Stripe slot

19 October 2024 Visa Public 124

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Table 5-1: Acceptance Device Requirements (continued)

Acceptance Device Type Requirements Region(s)

Magnetic Stripe l If not Chip-enabled, be able to process a key- All

entered Transaction (excluding UCATs)
l Transmit the entire unaltered contents of all data
encoded on track 1 or track 2 of the Magnetic
Stripe
l Not erase or alter any Magnetic Stripe encoding
on a Card
l For devices that can accept Cards with more than
one Magnetic Stripe, be capable of processing and
transmitting the payment data from the Magnetic
Stripe

Unattended Cardholder- l Effective through 31 December 2024 For new All

Activated Terminal devices placed in service on or after 1 January
(UCAT) 2024, not support plaintext PIN verified offline.
Excludes multi-location Merchants with existing
devices already in service that support Plaintext
PIN Verified Offline.
l Effective 1 January 2025 Not support Plaintext PIN
Verified Offline.
l Follow all applicable Point-of-Transaction
acceptance requirements when accepting payment
for goods or services, and follow ATM
requirements when dispensing cash
l Display customer service contact information
l If PIN-accepting, be capable of conveying an
“invalid PIN – re-enter” message to the Cardholder
l For Chip-initiated and Contactless Transactions,
support “No CVM required” for contact and
Signature for Contactless
l Support Fallback Transactions only if the UCAT has
an integrated Chip and Magnetic Stripe-reader
l Require PIN or Consumer Device Cardholder
Verification Method for Quasi-Cash Transactions

19 October 2024 Visa Public 125

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Table 5-1: Acceptance Device Requirements (continued)

Acceptance Device Type Requirements Region(s)

1
Effective 1 August 2024 This does not apply to a Tap to Phone Solution. For a Tap to Phone Solution, refer to the
Visa Tap to Phone Framework.

ID# 0028045 Edition: Oct 2024 | Last Updated: Oct 2024

5.6.1.2 Merchant Acceptance Device Requirements

An Acquirer must require its Merchant to have a correctly operating Acceptance Device and an
alphanumeric PIN pad at, or in proximity to, the Point-of-Transaction.
The Acceptance Device must:
l Comply with both of the following documents:
– V.I.P. System SMS Interlink Technical Specifications
– PIN Management Requirements Documents
l Be enabled for both Magnetic-Stripe Data and Chip data
l Function reliably
l Be available for use by all Cardholders, and for all Transactions except Pre-Authorization
Completion
A point-of-sale PIN pad used by the Merchant must be Visa-approved and triple-DES1 capable.
1
The data encryption standard defined in American National Standards Institute X3.92-1981 for encrypting and decrypting
binary coded data.

ID# 0030448 Edition: Oct 2024 | Last Updated: Apr 2023

5.6.1.3 Unique Cryptographic Key Per Device

For all installed Terminals, the secret cryptographic key that relates to PIN security (used to encrypt
PINs or other keys or to verify the legitimacy of a device) and that is ever resident within a PIN Entry
Device must be unique to that device. It must be unrelated (except by chance) to any key in any other
PIN Entry Device.

ID# 0030449 Edition: Oct 2024 | Last Updated: Apr 2018

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5.6.1.4 Expiration Date Validation

A Terminal that validates the track 2 encoded expiration date must be able to support the necessary
processing logic to determine validity of Cards encoded.

ID# 0030450 Edition: Oct 2024 | Last Updated: Apr 2018

5.6.2 Chip-Reading Device Requirements

5.6.2.1 Chip-Reading Device Testing Requirements

An Acquirer must successfully complete Visa Global Level 3 (L3) Testing using the Visa Global L3 Test
Set Files, as follows:
l Before deploying a new Chip-Reading Device
l After a significant change to a Chip-Reading Device
l To address an interoperability issue, as required by Visa
The Acquirer must submit test results using the Chip Compliance Reporting Tool (CCRT).

ID# 0028046 Edition: Oct 2024 | Last Updated: Apr 2023

5.6.2.2 Acquirer Responsibility for Chip-Reading Devices

An Acquirer is responsible for the actions of a Chip-Reading Device that provides improper
information and processing decisions to the Chip.

ID# 0006018 Edition: Oct 2024 | Last Updated: Apr 2018

5.6.2.3 Chip Card Payment POS Entry Mode Code

An Acquirer must ensure that a Chip-Reading Device uses the proper POS Entry Mode code, as
specified in the V.I.P. System SMS Interlink Technical Specifications, to identify that the Transaction is
processed as one of the following:
l Contact Chip Card Transaction
l Contactless Chip Card Transaction
l Magnetic-Stripe Card Transaction

ID# 0030451 Edition: Oct 2024 | Last Updated: Apr 2018

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5.6.3 Unattended Cardholder-Activated Terminals

5.6.3.1 Merchant Disclosure Requirements at Unattended Cardholder-Activated

Terminals
An Acceptance Device must comply with the Transaction Acceptance Device Requirements and
display at or near each Unattended Cardholder-Activated Terminal all of the following:
l Merchant name and customer service telephone number
l Location(s) or place(s) for redemption of merchandise and any applicable timeline by which the
merchandise must be redeemed
l Days and hours of operation of the location(s)
l Notification that the Cardholder’s Account will be debited when the Transaction is completed,
regardless of when the merchandise is used
l Any other restrictions on the issuance or redemption of merchandise
l Merchant’s policy regarding all of the following:
– Lost merchandise
– Refunds of unused merchandise
– Information for Cardholder to use in the event of an error or malfunction

ID# 0030459 Edition: Oct 2024 | Last Updated: Apr 2018

5.6.3.2 Unattended Cardholder-Activated Terminal Merchant Restrictions

A Merchant must ensure that an Unattended Cardholder-Activated Terminal complies with all of the
following:
l Does not dispense any cash, money orders, travelers checks, and similar negotiable instruments
l Does not dispense Scrip
l Reports the amount of merchandise dispensed as a purchase Transaction

ID# 0030452 Edition: Oct 2024 | Last Updated: Apr 2018

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5.7 Merchant Authorization Requirements

5.7.1 Non-Standard Authorizations

5.7.1.1 Authorization Requirements

An Authorization Request must be one of the following:
l An Authorization for a final Transaction amount
l An Estimated Authorization1
l An Incremental Authorization1
1
An Estimated Authorization or an Incremental Authorization in a Card-Absent Environment applies only to a qualified
Card-Absent Interlink Transaction.

ID# 0030933 Edition: Oct 2024 | Last Updated: Apr 2023

5.7.1.2 Account Verification Requirements

A Merchant that has enabled Interlink processing for qualified Card-Absent Interlink Transactions and
chooses to verify the validity of an account must use an Account Verification. An Account Verification
must both:
l Be for a currency unit of zero
l Not be used to initiate a purchase Transaction

ID# 0030934 Edition: Oct 2024 | Last Updated: Apr 2023

5.7.1.3 Estimated Authorization Request Requirements

A Merchant may submit an Estimated Authorization Request1 when the final Transaction amount is
not known. When a Merchant submits an Estimated Authorization Request, it must ensure all of the
following:
l The Estimated Authorization Request amount is a genuine estimation of what the Cardholder will
spend
l It notifies the Cardholder of the Estimated Authorization Request amount and that subsequent
Authorization Requests may be submitted
l The Estimated Authorization Request does not include any amount covering potential damage,
theft, or insurance premiums
l An Estimated Authorization Indicator is included in the Authorization Request

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l It does not submit an Estimated Authorization Request for Account Funding Transactions,2 Cash
Disbursements (either manual or through an ATM), Installment Transactions, Advance Payments,
Recurring Transactions, or Quasi-Cash Transactions
1
For a Card-Absent Environment Transaction, an Estimated Authorization Request applies only to a Card-Absent Interlink
Transaction.
2
Account Funding Transactions apply only to Card-Absent Interlink Transactions.

ID# 0030936 Edition: Oct 2024 | Last Updated: Oct 2023

5.7.1.4 Incremental Authorization Request Requirements

A Merchant may submit an Incremental Authorization Request1 where it has obtained an Approval
Response for a valid Estimated Authorization, but the original estimated amount is no longer
sufficient to cover either:
l A revised estimate of the final Transaction amount
l The final Transaction amount
The Merchant must use the Incremental Authorization indicator, the same Transaction Identifier used
for the initial Estimated Authorization Request.
The Incremental Authorization Request must not include any amount covering potential damage,
theft or insurance premiums.
An Authorization Request must not contain both an Estimated Authorization indicator and
Incremental Authorization indicator.
1
If submitted for a Transaction initiated in a Card-Absent Environment, the Transaction must qualify as a Card-Absent
Interlink Transaction.

ID# 0030937 Edition: Oct 2024 | Last Updated: Apr 2023

5.7.2 Merchant Authorization Processing

5.7.2.1 Mail/Phone Order and Electronic Commerce Expiration Date in

Authorization
A Transaction processed by a Mail/Phone Order Merchant or an Electronic Commerce Merchant must
qualify as a Card-Absent Interlink Transaction. For such Transactions, the Merchant must attempt to
obtain the expiration date and submit it as part of the Authorization Request.

ID# 0003129 Edition: Oct 2024 | Last Updated: Apr 2023

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5.7.2.2 Prohibition against Split Transaction

A Merchant must not split a Transaction1 by using 2 or more Transaction Receipts, except for the
following:
l Advance Payment
l Ancillary Purchase Transaction
l Individual Airline ticket
l Individual Cruise Line ticket
l Installment Transaction
l Original Credit Transaction
l Transaction that includes a Service Fee
l Individual passenger railway ticket
1
A split Transaction processed in a Card-Absent Environment must be a qualified Card-Absent Interlink Transaction.

ID# 0008603 Edition: Oct 2024 | Last Updated: Apr 2023

5.7.2.3 Single Authorization Request for Multiple Completion Transactions

A Merchant may obtain a single Pre-Authorization and submit multiple Completion Messages1 for
any of the following:
l The Merchant is an Airline, a Cruise Line, or a US railway Merchant.1
l The Merchant is a Card-Absent Environment Merchant1 that ships goods, and all of the following:
– The purpose is to support a split shipment of goods.
– The Transaction Receipts associated with each shipment contain:
▪ The same Payment Credential and expiration date
▪ The same Merchant Outlet name
– The Merchant discloses to the Cardholder the possibility of multiple shipments on its website
and/or application or in writing.
– With each shipment, the Merchant notifies the Cardholder of the Transaction amount of the
shipment.
The Acquirer must use a Multiple Clearing Sequence Number to identify such multiple Transactions.
1
A Card-Absent Environment Transaction must qualify as a Card-Absent Interlink Transaction.

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ID# 0027756 Edition: Oct 2024 | Last Updated: Apr 2023

5.7.2.4 Approval Response Requirements

A Merchant must obtain an Approval Response before completing a Transaction, unless for Card-
Absent Interlink, it is an In-Transit Transaction for which a Merchant must obtain an Authorization
within 24 hours of the passenger vehicle reaching its final destination.
An Approval Response that was obtained in accordance with the Visa Rules constitutes a valid
Authorization.

ID# 0031021 Edition: Oct 2024 | Last Updated: Oct 2023

5.7.2.5 Transaction and Processing Timeframes

An Acquirer must process a completed Transaction as specified in Table 5-2, General Approval
Response Validity Timeframes
An Acquirer must process all Interlink Transactions as Full Service Online Financial Transactions
through the V.I.P. System

Table 5-2: General Approval Response Validity Timeframes

1 2
Transaction Type Maximum Processing Timeframe

Cardholder-initiated Transactions in a Card-Absent 10 calendar days

Environment

Transactions with an Estimated Authorization 30 calendar days

indicator for any of the following Merchants:
l Cruise Line Merchants
l Lodging Merchants
l Vehicle Rental Merchants

Transactions with an Estimated Authorization 10 calendar days

indicator for any of the following Merchants:
l Aircraft rental
l Bicycle rental including electric scooters
l Boat rental
l Clothing and costume rental

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Table 5-2: General Approval Response Validity Timeframes (continued)

1 2
Transaction Type Maximum Processing Timeframe

l DVD and video rental

l Equipment and tool rental
l Furniture rental
l Motor home rental
l Motorcycle rental
l Trailer parks and campgrounds

All other Transactions in a Card-Present 5 calendar days

3,4
Environment
5
All Merchant-initiated Transactions 5 calendar days
1
Transactions processed in the Card-Absent Environment must be qualified Card-Absent Interlink Transactions.
2
Timeframe starts on the date of a valid Authorization.
3
For a preauthorization request at an Automated Fuel Dispenser (AFD), a Completion Message or a Reversal must be
sent within 2 hours of receipt of an Approval Response.
4
In the US Region: ATM Transactions, PIN-authenticated Visa Debit Transactions, and Visa ReadyLink Transactions
must be processed as Full Service Online Financial Transactions through the V.I.P. System.
5
Includes Installment Transactions, Recurring Transactions, Advance Payment Transactions, Unscheduled Credential-
On-File Transactions, merchandise returns and credits.

An Incremental Authorization Request does not extend the processing timeframes in Table 5-2,
General Approval Response Validity Timeframes.

ID# 0031022 Edition: Oct 2024 | Last Updated: Apr 2024

5.7.2.6 Merchant Submission of Authorization Reversals

For a qualified Card-Absent Interlink Transaction that received an Approval Response but was not
completed, a Merchant must submit an Authorization Reversal, as follows:
l For the full authorized amount(s) or, if a partial order involving split shipments is cancelled, for the
partial amount

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l Within 24 hours of the earlier of either:

– When the Transaction was cancelled, or the Cardholder decided to pay by other means
– The end of the Approval Response validity period as specified in Section 5.7.2.5, Transaction and
Processing Timeframes
When a Merchant submits an Incremental Authorization Request, the Merchant may reverse multiple
authorized amounts with a single Authorization Reversal only if it uses the same Transaction Identifier
for all Authorization Requests and the Authorization Reversal.

ID# 0025597 Edition: Oct 2024 | Last Updated: Oct 2023

5.8 Specific Acceptance Environments and Procedures

5.8.1 Cash, Cash Equivalents, and Prepaid

5.8.1.1 Cash-Back Transactions

A Merchant that supports Cash-Back Transactions must comply with all of the following:
l Require the use of PIN for Cardholder verification
l If a Cash-Back Transaction is declined, offer the Cardholder the option to process the Transaction
only for the purchase amount
l Not assess a Cash-Back fee unless the Merchant assesses such a fee for Transaction on all other
payment networks
l If a Cash-Back fee is assessed, all of the following:
– Not charge a higher Cash-Back fee for an Interlink Transaction than a comparable Transaction
on any other payment network
– Disclose the Cash-Back fee to the Cardholder before completing the Transaction
– Include the amount of the Cash-Back fee in the total Cash-Back field and the Transaction
amount

ID# 0030453 Edition: Oct 2024 | Last Updated: Apr 2023

5.8.1.2 Processing of Quasi-Cash Transactions

For a Quasi-Cash Transaction initiated at a Point of Sale Acceptance Device, a Merchant must comply
with all of the following:

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l Require the use of Cardholder PIN

l Process the Quasi-Cash Transaction as a purchase and not a Cash Disbursement
l Not combine the Quasi-Cash Transaction with any other purchase

ID# 0030454 Edition: Oct 2024 | Last Updated: Apr 2023

5.8.1.3 Quasi-Cash Transaction Service Fee

A Merchant or Acquirer that completes a Quasi-Cash Transaction must not assess a service fee unless
the Merchant assesses a fee for any other payment method.
If the Merchant or Acquirer assesses a service fee, the Merchant or Acquirer must both:
l Disclose the fee to the Cardholder
l Include the service fee in the total Transaction amount

ID# 0030455 Edition: Oct 2024 | Last Updated: Apr 2018

5.8.1.4 Requirements and Restrictions on Sale of Negotiable Instruments

A Merchant that sells negotiable instruments (example: money orders) must use a written negotiable
instrument that is all of the following:
l Signed by the maker or drawer
l Payable on demand
l Payable to the order of, or to bearer
l Unless otherwise specified, contains all of the following:
– Federal Reserve routing symbol of the payor
– Suffix of the institutional identifier of the paying bank (or non-bank payor)
– Name and address of the paying bank associated with the routing transit number
The Merchant must comply with all of the following:
l In advertising and marketing materials associated with a money order purchase, both:
– Specify that the Transaction involves the purchase of a money order
– Clearly identify the Merchant selling the negotiable instrument as the Merchant completing the
Transaction

19 October 2024 Visa Public 135

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l Not assess a service fee for use of a card bearing the Interlink Mark unless the Merchant assesses a
fee for all methods of payment it accepts
l If assessing a service fee, both:
– Disclose the service fee to the Cardholder
– Include the money order service fee in the total Transaction amount

ID# 0030456 Edition: Oct 2024 | Last Updated: Apr 2018

5.8.2 Chip

5.8.2.1 Chip Transaction Acquirer Data Requirements

An Acquirer that processes a Chip-initiated Transaction must support Full-Chip Data processing via
its host system and process VIS and Common Core Definitions Chip Cards, or disable Chip
functionality in all Chip-Reading Devices connected to its host system.

ID# 0004842 Edition: Oct 2024 | Last Updated: Apr 2018

5.8.2.2 Acquirer Liability for Fallback Transactions

Transactions accepted as Fallback Transactions are the liability of the Acquirer if both:
l The Card is a Chip Card containing an Interlink Smart Payment Application.
l Either:
– Transaction is not authorized by the Issuer or the Issuer’s agent
– Transaction is authorized by the Issuer or the Issuer’s agent, and the appropriate values
identifying the Transaction as a Fallback Transaction are not included within the related
Authorization Message

ID# 0001839 Edition: Oct 2024 | Last Updated: Apr 2018

5.8.2.3 EMV Liability Shift – Acquirer Liability for Card-Present Counterfeit Chip
Card Transactions
Counterfeit Card Transactions completed in a Card-Present Environment are the liability of the
Acquirer if both:

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l The Card is a Chip Card containing an Interlink Smart Payment Application.

l Either:
– The Transaction does not take place at a Chip-Reading Device and is not a Fallback Transaction
completed following correct acceptance procedures.
– The Transaction is Chip-initiated and the Acquirer does not transmit the Full-Chip Data to
Interlink.
This section does not apply if the Authorization record indicates that CVV verification was not
performed or that the CVV failed verification.

ID# 0001837 Edition: Oct 2024 | Last Updated: Apr 2017

5.8.3 Electronic Commerce

5.8.3.1 Merchant Website Requirements

An Electronic Commerce Merchant’s1 website and/or application must contain all of the following:
l Customer service contact, including email address or telephone number
l List US Region/US Territory as the country of the Merchant Outlet or Marketplace location, either:
– On the same screen view as the checkout screen used to present the final Transaction amount
– Within the sequence of web pages that the Cardholder accesses during the checkout process. A
link to a separate web page does not meet this requirement.
l The address for Cardholder correspondence. A Merchant or Sponsored Merchant that primarily
operates from a personal residence is not required to provide the residence street address.
l Policy for delivery of multiple shipments
l In addition, on an Online Gambling Merchant’s homepage or payment page, all of the following:
– The statement “Internet gambling may be illegal in the jurisdiction in which you are located; if
so, you are not authorized to use your payment card to complete this transaction.”
– A statement of the Cardholder’s responsibility to know the laws and regulations concerning
online gambling in the Cardholder’s state
– A statement prohibiting the participation of individuals under a lawful age
– A complete description of the rules of play, cancellation policies, and pay-out policies
– A statement recommending that the Cardholder retain a copy of Transaction records and
Merchant policies and rules
In addition, a Marketplace must both:

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l Disclose the country of the Marketplace retailer within the sequence of pages that the Cardholder
accesses during the purchase process. A link to a separate web page does not meet this
requirement.
l Make available to the Cardholder for at least 120 days from the Processing Date both:
– The name of the retailer, Transaction Date, and Transaction amount
– If the retailer is responsible for answering questions about the purchase of the goods, an easy
means for the Cardholder to contact the retailer
In addition, for Transactions for the acquisition of non-fiat currency (for example: cryptocurrency) or
non-fungible tokens (NFT), a website and/or application must include all of the following on the
payment page:1
l Description of the item being acquired or purchase, either:
– For non-fiat currency, the type of currency/coin
– For an NFT, a description of the NFT
l Total cost of item acquired or purchased, including all applicable fees, charges, taxes or other costs,
represented in the applicable fiat currency of the Transaction
l Confirmation of the destination wallet address to which the non-fiat currency/coin or NFT will be
delivered
l A statement that the item’s value may fluctuate or be volatile
l Any restricted return, refund or cancellation policy, if applicable, as specified in Section 5.4.2.2,
Disclosure to Cardholders of Return, Refund, and Cancellation Policies
1
Transactions processed by an Electronic Commerce Merchant must qualify as Card-Absent Interlink Transactions.

ID# 0008635 Edition: Oct 2024 | Last Updated: Apr 2024

5.8.3.2 Electronic Commerce Payment Credential Security

An Electronic Commerce Merchant1 must not display the full Payment Credential to the Cardholder
online.
1
Transactions processed by an Electronic Commerce Merchant must be qualified Card-Absent Interlink Transactions.

ID# 0003627 Edition: Oct 2024 | Last Updated: Apr 2023

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5.8.4 Mail/Phone Order Transactions

5.8.4.1 Disclosure of Mail/Phone Order Merchant Outlet Country

A Mail/Phone Order Merchant1 must disclose the Merchant Outlet location (US or US Territory, as
appropriate) when presenting payment options to a Cardholder.
1
Transactions processed by a Mail/Phone Order Merchant must be qualified Card-Absent Interlink Transactions.

ID# 0002902 Edition: Oct 2024 | Last Updated: Apr 2023

5.8.5 Aggregated Transactions

5.8.5.1 Aggregated Transaction Merchant Requirements

A Transaction must represent a single purchase by a Cardholder.1,2 A Merchant must not aggregate
multiple purchases into a single Transaction except for an Electronic Commerce Transaction3 where
the total Transaction amount does not exceed USD 15.
An Aggregated Transaction3 must not include purchases made more than 3 calendar days apart.
For an Aggregated Transaction,3 a Merchant must do all of the following:
l At the Point-of-Transaction, inform the Cardholder of all of the following:
– That Transaction aggregation will occur
– The Transaction aggregation terms, including the maximum number of calendar days and
Transaction value
– How to obtain details of the aggregated purchases
l Make individual purchase information and Aggregated Transaction information available to a
Cardholder for at least 120 days after the processing date of the Aggregated Transaction
l Participate in the Partial Authorization Service
l For an Electronic Commerce Transaction,1 obtain Pre-Authorization of no more than USD 15 at the
start of each aggregation session
1
A Marketplace Transaction is still considered a single Transaction even though it can represent multiple purchases from
different retailers that occur at the same time.
2
Effective 12 April 2025 For Card-Absent Interlink Transactions for the acquisition of non-fiat currency (for example:
cryptocurrency), must not be aggregated with purchases of other items. Additionally, if the Cardholder purchases multiple
types of non-fiat currency, the purchases must not be aggregated into a single Transaction.
3
Card-Absent Environment Transactions processed on the Interlink Network must qualify as Card-Absent Interlink
Transactions.

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ID# 0002906 Edition: Oct 2024 | Last Updated: Apr 2024

5.8.6 T&E and Rental Transactions

5.8.6.1 Merchant Requirements for Guaranteed Reservations

An Interlink Merchant may accept Guaranteed Reservation in a Card-Absent Environment only in
connection with a Transaction that qualifies as a Card-Absent Interlink Transaction. If a Merchant
accepts a Guaranteed Reservation, the Merchant must do all of the following:
l Be one of the following Merchant types:
– Lodging Merchant
– Aircraft rental Merchant
– Bicycle rental Merchant
– Boat rental Merchant
– Equipment rental Merchant
– Motor home rental Merchant
– Motorcycle rental Merchant
– Trailer park or campground
– Vehicle Rental Merchant
l Provide disclosure of reservation conditions to the Cardholder at the time of the reservation. If the
reservation was made by telephone, the Merchant must send to the Cardholder a written
reservation confirmation containing all required disclosures within 24 hours of the reservation.
l Provide to the Cardholder a period of at least 24 hours after delivery of the reservation
confirmation to cancel the reservation without penalty
l Hold the reservation for at least 24 hours after the agreed start time unless the Cardholder cancels
the reservation by the time specified in the Merchant’s cancellation policy
l If the Cardholder claims the reservation within 24 hours of the agreed start time, and the Merchant
has failed to hold the reservation, provide at no cost to the Cardholder comparable
accommodation, merchandise, or services, and pay for associated costs, or as otherwise agreed by
the Cardholder, until the reserved accommodation, merchandise, or services become available
l Process a No-Show Transaction only if the Cardholder has not properly cancelled the reservation
according to the disclosed and agreed cancellation policy and has not claimed the reservation

ID# 0029266 Edition: Oct 2024 | Last Updated: Apr 2023

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5.8.6.2 Conditions for Assessing Amended Amounts or Delayed Charges

A Merchant may process a Transaction for an amended amount or a delayed charge in a Card-Absent
Environment only if the Transaction qualifies as a Card-Absent Interlink Transaction. The amended
amount or delayed charge Transaction must comply with the following conditions:

Table 5-3: Conditions for Amended Amounts and Delayed Charges

Amended Amounts Delayed Charges for Loss, All Other Delayed

Theft, or Damage Charges

Eligible Merchant l Aircraft rental Merchant

types l Bicycle rental Merchant
l Boat rental Merchant
l Cruise Line
l Equipment rental Merchant
l Lodging Merchant
l Motor home rental Merchant
l Motorcycle rental Merchant
l Trailer parks and campgrounds
l Vehicle Rental Merchant

The charge must: Be directly related to Comply with all of the Be directly related to
both: following: both:
l The merchandise or l Be directly related to the l The merchandise or
services provided by merchandise or services services provided by
the Merchant to the provided by the the Merchant to the
Cardholder (for Merchant to the Cardholder (for
example: insurance or Cardholder during the example: tolls or
rental fees) rental period parking tickets)
l A Transaction in which l Be the actual cost for l A Transaction in which
the Cardholder replacement/repair of the Cardholder
participated damage to the participated
Merchant’s property or
for an insurance
deductible, whichever is
less
l If an Advance Payment,

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Table 5-3: Conditions for Amended Amounts and Delayed Charges (continued)

Amended Amounts Delayed Charges for Loss, All Other Delayed

Theft, or Damage Charges

not be used to pay for

damage, theft, or loss of
use

To support the charge, The amended Within 10 business days of Both:

the Merchant must Transaction Receipt the rental return, check-out, l The Transaction
provide to the or disembarkation date, Receipt for the delayed
Cardholder: and before processing any charge
additional Transaction,
l An explanation of the
documentation that does
charge (if for a parking
all of the following:
ticket or traffic
l Explains the charge and violation, this must
connects the charge to include documentation
the Cardholder’s use of from the appropriate
the merchandise or civil authority with the
services during the rental license number of the
period rental vehicle, the time
l Includes any accident, and location of the
police, or insurance violation, and the
report1 amount of the penalty
in the currency of the
l For damage to a rental civil authority)
vehicle, provides at least
2 quotes from entities
that are legally permitted
to perform repairs
l Specifies the portion of
the loss, theft, or damage
that will be paid by
insurance and the reason
that the Cardholder is
liable for the amount
claimed
l Informs the Cardholder
that payment for loss,
theft, or damage with the

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Table 5-3: Conditions for Amended Amounts and Delayed Charges (continued)

Amended Amounts Delayed Charges for Loss, All Other Delayed

Theft, or Damage Charges

Cardholder’s Visa Card is

optional and not a
required or default
payment option

The Cardholder must No Yes. The Cardholder must No

expressly approve the expressly agree in writing to
charge before the pay the specific charges
Merchant processes after the loss, theft, or
the Transaction: damage has occurred and
after receiving all required
disclosures and amounts
from the Merchant.

The Merchant must 24 hours of check-out or 90 calendar days of the rental return, check-out, or
process the charge rental return disembarkation date
within:
1
Required for Transactions involving car or truck rental. For all other Merchants, as applicable

ID# 0007398 Edition: Oct 2024 | Last Updated: Apr 2023

5.8.7 Dynamic Currency Conversion

5.8.7.1 Dynamic Currency Conversion (DCC) – Acquirer Requirements

Before processing a Dynamic Currency Conversion (DCC) Transaction, an Acquirer must both:
l Comply with the DCC registration and certification requirements specified in the DCC Guide
l Ensure that each Merchant Outlet that conducts DCC complies with the Interlink Rules and the
DCC Guide

ID# 0025740 Edition: Oct 2024 | Last Updated: Apr 2023

5.8.7.2 Dynamic Currency Conversion (DCC) – Merchant Requirements

A Merchant that offers Dynamic Currency Conversion (DCC) must comply with all of the following:

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l Be registered with Interlink, and use a solution that has been certified by Interlink as compliant with
the Interlink Rules, as specified in the DCC Guide
l Inform the Cardholder that DCC is optional and not use any language or procedures (for example:
pre-selecting the DCC option) that may cause the Cardholder to choose DCC by default
l Ensure that the Cardholder expressly agrees to DCC
l For a Transaction in a Card-Present Environment, display the information specified in the DCC
Guide to the Cardholder only on a customer-facing screen or handheld Acceptance Device.
l For a Transaction in a Card-Present Environment, require the Cardholder to expressly agree to DCC
by directly interfacing with a customer-facing screen or handheld Acceptance Device.
l Not misrepresent, either explicitly or implicitly, that its DCC service is an Interlink service
l Offer DCC in the Cardholder Billing Currency
l Not impose any additional requirements on the Cardholder to have the Transaction processed in
the local currency
l Not convert a Transaction amount in the local currency that has been approved by the Cardholder
into an amount in another currency after the Transaction has been completed but not yet entered
into Interchange

ID# 0003100 Edition: Oct 2024 | Last Updated: Apr 2023

5.8.8 Advance Payments and Repeated Payments

5.8.8.1 Requirements for Partial Payments, Advance Payments, and Transactions

Using Stored Credentials
A Merchant or Digital Wallet Operator (DWO) that processes Partial Payments, Advance Payments,
and Transactions using a Stored Credential must comply with Table 5-4, General Requirements for
Partial Payments, Advance Payments, and Transactions Using Stored Credentials and as applicable,
Table 5-5, Transaction-Specific Requirements for Partial Payments, Advance Payments, and
Transactions Using Stored Credentials.
Partial Payments, Advance Payments, and Transactions using a Stored Credential that are initiated in
a Card-Absent Environment are subject to these requirements only if such Transactions qualify as
Card-Absent Interlink Transactions.
These requirements do not apply to the following when the Merchant or DWO uses the Stored
Credential for a single Transaction or a single purchase:
l A No-Show Transaction
l A Transaction involving an amended amount or a delayed charge

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l A Transaction involving an Incremental Authorization

l A Transaction where the Merchant or DWO is allowed to submit a new Authorization Request for
the same Transaction
l A Transaction that received a Decline Response and is resubmitted for Authorization

Table 5-4: General Requirements for Partial Payments, Advance Payments, and Transactions Using Stored
Credentials

Requirement Description

Disclosure and Before a Merchant or DWO either stores a Payment Credential for a future
Agreement Transaction or completes an Advance Payment or Partial Payment, it must obtain
the Cardholder’s express informed consent to an agreement that contains all of
the following:
l Information related to the Transaction, including:
– Description of goods or services
– Total purchase price
– Cancellation and refund policies, including the date that any cancellation
privileges expire without Advance Payment forfeiture
– Where surcharging is permitted, acknowledgment of any surcharge
assessed and the associated disclosures
l Information about the Merchant, including:
– The location of the Merchant Outlet
– Address, email address, and phone number to use to contact the Merchant
in relation to the Transactions
l Terms and conditions related to the Stored Credential and future Transactions
(where applicable), including:
– The Account Number that will be used to make payment (last four digits
only), as it may be updated from time to time
– How the Cardholder will be notified of any changes to the agreement
– Transaction amount or a description of how the Transaction amount will be
determined
– The Transaction Currency
– How the Stored Credential will be used
– Timing and frequency of Transactions (does not apply if the Stored

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Table 5-4: General Requirements for Partial Payments, Advance Payments, and Transactions Using Stored
Credentials (continued)

Requirement Description

Credential will be used for Unscheduled Credential-on-File Transactions).

– If the Stored Credential will be used for Unscheduled Credential-on-File
Transactions, the event that will prompt the Transaction (for example: if the
Cardholder’s balance falls below a certain amount)
– The expiration date of the agreement, if applicable
– The length of any trial period, introductory offer, or promotional period

When entering into a Cardholder agreement, all requirements related to specific

Transaction types must be clearly displayed at the time that the Cardholder gives
their consent and must be displayed separately from the general purchase terms
and conditions.

The Merchant must retain this information for the duration of the agreement and
provide it to the Cardholder or Issuer upon written request.

Amount A Recurring Transaction or an Unscheduled Credential-on-File Transaction must

not include any finance charges, interest, or imputed interest.

Refund The Merchant must refund the full amount paid if the Merchant has not adhered
to the terms and conditions of the sale or service.

Table 5-5: Transaction-Specific Requirements for Partial Payments, Advance Payments, and Transactions
Using Stored Credentials

Transaction Type Requirement

Partial Payment An Acquirer must ensure that for a Partial Payment, the Merchant does not
charge any interest, or imputed interest, to the Cardholder. If the Merchant
applies a late payment fee, it must be a flat fee and must be applied only as a late
payment penalty.

Additionally, for a Partial Payment where the Merchant is not the seller of the
goods or services being purchased, the Merchant (or its affiliate) must have a
direct contract with the seller and comply with all of the following:
l The Merchant and the seller of the goods or services must both be located in
the US Region/US Territory
l For each new Partial Payment agreement, disclose to the Cardholder that:

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Table 5-5: Transaction-Specific Requirements for Partial Payments, Advance Payments, and Transactions
Using Stored Credentials (continued)

Transaction Type Requirement

– It is not the seller of the goods or services and disclose the name of the
actual seller
– Disputes for non-delivery and quality of goods or services will not be
available in relation to the goods or services purchased
– The Cardholder’s Issuer may charge interest, or other charges, in line with
the terms and conditions of the agreement between the Cardholder and the
Issuer
l Not state or imply that interest will not be charged by the Issuer for the Partial
Payment
l Make the following information available to Cardholder about each
Transaction in the Installment Transaction series, at minimum, through a
website:
– Description of each individual purchase, including the name of the seller
– Amount and date of each individual purchase
– Amount of each Installment Transaction
– Number of installments paid and number of installments remaining
l Use MCC 5999 (Miscellaneous and Specialty Retail Stores)

Advance Payment Only the following Merchant categories may process an Advance Payment
representing the entire purchase amount before the goods or services are
delivered:
l T&E
l Custom goods or services
l Recreational services or activities related to tourism and travel

The terms and conditions must specify the date of shipping of the goods or
services to the Cardholder.

Recurring Transaction The Merchant must do all of the following:

l Provide a simple cancellation procedure, and, if the Cardholder’s order was
initially accepted online, at least an online cancellation procedure.
l Include the fixed dates or intervals on which the Transactions will be

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Table 5-5: Transaction-Specific Requirements for Partial Payments, Advance Payments, and Transactions
Using Stored Credentials (continued)

Transaction Type Requirement

processed.
l At least 7 days before a Recurring Transaction, notify the Cardholder via email
or other agreed method of communication if a trial period, introductory offer,
or promotional period is going to end. The Merchant must include in the
communication the Transaction amount and Transaction Date of subsequent
Recurring Transactions and a link or other simple mechanism to enable the
Cardholder to easily cancel Transactions online or via SMS/text message.

Additionally, a Merchant that processes Transactions using a Stored Credential (except a Stored
Credential used in a Pass-Through Digital Wallet in a Card-Present Environment) must comply with
Table 5-6, Processing Requirements for Transactions Using Stored Credentials.

Table 5-6: Processing Requirements for Transactions Using Stored Credentials

Requirement Description

Before storing the After a Cardholder agreement has been completed in writing, and before the first
credential Transaction occurs, a Merchant must either:
l Submit an Authorization Request for the Transaction amount
l If payment is not required, submit an Account Verification

For a Recurring Transaction, Installment Transaction, or Unscheduled Credential-

on-File Transaction, use the appropriate indicator in the POS environment field.

If the initial Authorization Request or Account Verification is not approved, the

Merchant must not store the credential.

General Processing l Before processing a Cardholder-initiated Transaction, the Merchant must also
Requirements validate the Cardholder’s identity (for example: with a login ID and password).
l The Authorization amount must not exceed the individual Transaction amount
or Partial Payment amount, as applicable.
l A Transaction with a Stored Credential must both:
– Use POS Entry Mode code 10
– For a Recurring Transaction, Installment Transaction, or Unscheduled
Credential-on-File Transaction, use the appropriate indicator in the POS
environment field

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Table 5-6: Processing Requirements for Transactions Using Stored Credentials (continued)

Requirement Description

Authorization Request If an Authorization Request for a Merchant-initiated Transaction with a Stored

Declines Credential is declined, the Merchant must notify the Cardholder in writing and
allow the Cardholder at least 7 calendar days to pay by other means.

ID# 0029267 Edition: Oct 2024 | Last Updated: Apr 2024

5.8.9 Debt Repayment

5.8.9.1 Repayment of a Debt or an Overdue Receivable

An Acquirer must ensure that a Debt repayment Transaction1 complies with Table 5-7, Debt
Repayment Transaction Requirements.

Table 5-7: Debt Repayment Transaction Requirements

Requirement Description

Prohibitions l Debt that exceeds the statute of limitations and is no longer collectible in a lawsuit,
unless the Merchant obtains written Cardholder agreement to the charge and the
amount

Processing l Include the Debt repayment indicator in the Authorization Request and Completion
Requirements Message
l Assign MCC 6012 (Financial Institutions – Merchandise, Services, and Debt Repayment),
MCC 6051 (Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency
Assets [for example: Cryptocurrency], Money Orders [not Money Transfer], Travelers
Cheques, and Debt Repayment), or MCC 7322 (Collection Agencies)
l Complete the Transaction as a purchase
1
If processed in the Card-Absent Environment, a Debt repayment Transaction must be a qualified Card-Absent Interlink
Transaction.

ID# 0003026 Edition: Oct 2024 | Last Updated: Oct 2023

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5.8.10 Up-Selling and Negative Option Merchants

5.8.10.1 Up-Selling Transaction Requirements

A Transaction involving up-selling1 may be processed by an Interlink Merchant only if the Transaction
qualifies as a Card-Absent Interlink Transaction.
For a Transaction involving up-selling,1 both of the following must occur:
l Before completing a Transaction, the initial Merchant must do all of the following:
– Clearly and visibly disclose to the Cardholder, on the checkout screen, all of the information
specified in Table 5-8, Required Content for Up-Selling Transactions.
– At the time of the first Transaction, obtain express Cardholder consent for any subsequent
Transactions via a “click-to-accept” button on the checkout screen.
– Immediately after the first Transaction has been completed, send an electronic Transaction
Receipt or other notification to the Cardholder as specified in Table 5-8, Required Content for
Up-Selling Transactions.
l At least 7 days before initiating a subsequent Transaction, the up-selling Merchant must provide to
the Cardholder written notification as specified in Table 5-8, Required Content for Up-Selling
Transactions, if either:
– The terms of the agreement between the Merchant and the Cardholder have changed. The
notification must also include the new terms and conditions.
– A trial period, introductory offer, or promotional period is going to end.

Table 5-8: Required Content for Up-Selling Transactions

Required Content for Up-Selling Transactions

Required Content

l The name of the up-selling Merchant offering the goods and services in a manner that clearly
differentiates the up-selling Merchant from the initial Merchant
l A description of the goods and services
l The length of any trial period, introductory offer, or promotional period
l Clear disclosure that the Cardholder will be charged unless the Cardholder takes steps to cancel any
subsequent Transactions
l The Transaction amount
l The Transaction Date
l Last 4 digits of the Payment Credential

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Table 5-8: Required Content for Up-Selling Transactions (continued)

Required Content for Up-Selling Transactions

l The cancellation policy

l Instructions for an easy way to cancel the agreement and/or any subsequent Transactions
1
The sale of goods and services different from, and not affiliated with or a subsidiary of, the initial Merchant with whom the
Cardholder initiates the Transaction.

ID# 0026364 Edition: Oct 2024 | Last Updated: Apr 2023

5.8.10.2 Negative Option Transaction Requirements

A negative option Merchant operating in a Card-Absent Environment must ensure that an Interlink
Transaction it processes qualifies as a Card-Absent Interlink Transaction.
A negative option Merchant1 must do all of the following:
l Before completing an agreement or Transaction, clearly disclose to the Cardholder, on the
checkout screen, all of the information specified in Table 5-9, Required Disclosure/Transaction
Receipt/Notification Content and Format for Negative Option Transactions.
l At the time of the agreement or first Transaction, obtain express Cardholder consent for any
subsequent Transactions via a “click-to-accept” button on the checkout screen.
l Immediately after the first Transaction (if applicable) and Cardholder consent to subsequent
Transactions, send to the Cardholder an electronic Transaction Receipt (if applicable) or written
confirmation, as specified in Table 5-9, Required Disclosure/Transaction Receipt/Notification
Content and Format for Negative Option Transactions.
l At least 7 days before initiating a subsequent Transaction, provide written notification to the
Cardholder as specified in Table 5-9, Required Disclosure/Transaction Receipt/Notification Content
and Format for Negative Option Transactions, if either:
– The terms of the agreement between the Merchant and the Cardholder have changed. The
notification must also include the new terms and conditions.
– A trial period, introductory offer, or promotional period is going to end.

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Table 5-9: Required Disclosure/Transaction Receipt/Notification Content and Format for Negative Option
Transactions

Required Content and Format for Negative Option Transactions

Required Content

l The name of the Merchant offering the goods and services

l A description of the goods and services
l The length of any trial period, introductory offer, or promotional period
l Clear disclosure that the Cardholder will be charged unless the Cardholder takes steps to cancel any
subsequent Transactions
l The Transaction amount and Transaction Date for the initial Transaction (even if no amount is due) and for
any subsequent Recurring Transactions
l Last 4 digits of the Payment Credential
l The cancellation policy
l Instructions for an easy way to cancel the agreement and/or any subsequent Transactions
l If the Merchant sends a Transaction Receipt or notification via email, a link to a page on the Merchant’s
website where the agreement, order, or any subsequent Transactions can be easily cancelled

Required Format

If Cardholder consent to future Transactions occurred through a website or an application, the Merchant
must send all Transaction Receipts and notifications electronically.

1
A Merchant that requires a Cardholder to expressly reject the Merchant’s offer of additional goods and/or services during
the Transaction process or expressly decline to participate in future Transactions.

ID# 0026365 Edition: Oct 2024 | Last Updated: Apr 2023

5.8.11 Gambling

5.8.11.1 Online Gambling Merchant and Acquirer Requirements

An Interlink Transaction processed by an Online Gambling Merchant must qualify as a Card-Absent
Interlink Transaction.
An Online Gambling Merchant must both:

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l Have a valid license or other appropriate authority to operate its website and/or application
l Identify an Online Gambling Transaction with all of the following:
– MCC 7995 (Betting), even when gambling services are not the Merchant’s primary business
– Identify the Transaction with the Quasi-Cash/Online Gambling Transaction indicator
Effective 12 April 2025 If an Online Gambling Transaction involves a conversion of fiat currency to
non-fiat currency (for example: cryptocurrency), the Online Gambling Merchant must include the
applicable identifier as specified in Section 7.4.6.1, Transactions Involving Cryptocurrency or Non-
Fungible Tokens (NFT) – Transaction Processing Requirements.
If a Member, Merchant, Payment Facilitator, Ramp Provider, or Sponsored Merchant is unable to
distinguish an Online Gambling Transaction from other Transactions, it must both:
l Identify all Transactions as Online Gambling Transactions
l Inform the Cardholder that Transactions may be identified on the billing statement as gambling
Transactions

ID# 0002474 Edition: Oct 2024 | Last Updated: Apr 2024

5.8.11.2 Use of Funds Transfer for Online Gambling

If a funds transfer to an individual is to be used for an Online Gambling Transaction, an Acquirer must
identify the funds transfer Transaction as an Online Gambling Transaction.1
The Acquirer must have processes to identify and eliminate abuse by an individual, funds transfer
Merchant, or Online Gambling Merchant that attempts to circumvent proper Transaction
identification.
If Interlink determines that an individual is facilitating Online Gambling Transactions through funds
transfers, Interlink may impose these requirements on the funds transfer Merchant for any future
funds transfers to that individual.
1
Applies only to qualified Card-Absent Interlink Transactions.

ID# 0002955 Edition: Oct 2024 | Last Updated: Apr 2023

5.8.11.3 Disbursement of Gambling Winnings to a Cardholder

A gambling Merchant1 must not deposit a Credit Transaction to disburse gambling winnings to a
Cardholder except for an Original Credit Transaction.
A gambling Merchant must disburse gambling winnings to a Cardholder using an Original Credit
Transaction and not in the form of cash, a check, or any other payment method.

19 October 2024 Visa Public 153

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Effective 12 April 2025 If an Original Credit Transaction to disburse gambling winnings to a

Cardholder involves a conversion to fiat currency from non-fiat currency (for example:
cryptocurrency), the Original Credit Transaction must include the applicable identifier as specified in
Section 7.4.6.1, Transactions Involving Cryptocurrency or Non-Fungible Tokens (NFT) – Transaction
Processing Requirements.
Gambling winnings disbursed to a Prepaid Card are not required to be issued to the same Payment
Credential that initiated the wager, but must comply with all of the following:
l Be submitted by a gambling Merchant authorized by the Issuer to disburse winnings via a program
that has been approved by Interlink
l Be transmitted to the Issuer using a funding mechanism approved by Interlink
l Represent a Transaction for the winning wager that was lawfully made, properly identified, and
processed according to Interlink Rules
1
A gambling Transaction processed in a Card-Absent Environment must qualify as a Card-Absent Interlink Transaction.

ID# 0002958 Edition: Oct 2024 | Last Updated: Apr 2024

5.8.12 Staged Digital Wallets and Stored Value Digital Wallets

5.8.12.1 Card-to-Card Back-to-Back Funding – Acquirer Prohibition

For a Card-Absent Environment Transaction that is a qualified Card-Absent Interlink Transaction, Card
Fronting is not permitted. An Acquirer must not allow Back-to-Back Funding from a Payment
Credential to another Payment Credential or card.

ID# 0030708 Edition: Oct 2024 | Last Updated: Apr 2023

5.8.13 Interlink Rent Payment Program

5.8.13.1 Interlink Rent Payment Program

An Acquirer that accepts Interlink for processing rent payment Transactions in a Card-Absent
Environment must ensure that the rent payment Transaction qualifies as a Card-Absent Interlink
Transaction.
To participate in the Interlink rent program, an Acquirer must do all of the following:
l Register with Visa/Interlink and provide the specific amount or percentage of the fee assessed by
each Merchant or Sponsored Merchant, by product

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l Ensure that only a Merchant or Sponsored Merchant classified with MCC 6513 (Real Estate Agents
and Managers) participates in the program
l Obtain a Merchant Verification Value (MVV) for each participating Merchant or Payment Facilitator
and include it in the Authorization Request and Completion Message
A participating Merchant or Sponsored Merchant (including through their Payment Facilitator) may
assess a fee to the Cardholder only for a Card-Absent Interlink Transaction for either a single
Transaction or Recurring Transaction(s). If assessed, the fee must comply with all of the following:
l Not exceed USD 10
l Be included in the final Transaction amount and in the surcharge field of the Completion Message
l Be clearly disclosed to the Cardholder before the completion of the Transaction. The Cardholder
must be given the opportunity to cancel after the fee is disclosed.
l Not be assessed in addition to a Service Fee, a Convenience Fee, or any other fee
l Not required to be equally applied to an alternative method of payment
l Not be greater than a fee applied to any other general purpose payment Debit Card

ID# 0030673 Edition: Oct 2024 | Last Updated: Apr 2023

5.8.14 Collection Requirements for a Debt or an Overdue Receivable Transaction

5.8.14.1 Debt and Overdue Receivable Transaction Collection Requirements

For a Card-Absent Interlink Transaction, a Merchant that collects a Debt or Overdue Receivable on
behalf of another entity must provide a disclosure to the Cardholder before the Transaction is
complete and allow the Cardholder to cancel.1
The disclosure must include all of the following:1
l Name of the original lender/creditor
l Information to identify the Transaction, such as:
– Account/reference number from the original lender/creditor
– Description of the Debt or Overdue Receivable (for example: “utility bill”)
– Date of the repayment contract
l Instructions for the Cardholder to obtain additional information about the original transaction
An Acquirer must immediately report to Visa any illegal Transactions or activity by a Merchant and
include a remediation plan.

19 October 2024 Visa Public 155

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Visa reserves the right to prohibit a Merchant from initiating a Transaction for a past due or non-
collectable Debt if either:
l The Merchant acted illegally
l The Merchant carries out actions that Visa deems likely to damage the Visa brand
1
This only applies when the Merchant is not the original owner of the Debt or Overdue Receivable (for example: a
collection agency).

ID# 0030974 Edition: Oct 2024 | Last Updated: Apr 2023

5.8.15 Healthcare/Workplace Benefits

5.8.15.1 Acquirer Participation in Healthcare Auto-Substantiation – US Region

In the US Region: To process a Healthcare Auto-Substantiation Transaction, an Acquirer or its Agent
must comply with all of the following:
l Be licensed and certified by SIGIS
l Provide the Visa Flexible Spending Account (FSA) or Visa Health Reimbursement Arrangement
(HRA) BIN list only to eligible Merchants
l Ensure that HRA and FSA Auto-Substantiation Transactions originate only from a SIGIS-certified
Merchant
l Provide an IIAS Merchant Verification Value to the Merchant and include it in the Authorization
Request
l Comply with all SIGIS requirements, including storage and fulfillment of Transaction Receipt data
l Respond to Issuer requests for Visa Healthcare Auto-Substantiation Transaction data

ID# 0003106 Edition: Oct 2024 | Last Updated: Oct 2020

5.8.15.2 Merchant Participation in Healthcare Auto-Substantiation – US Region

In the US Region: A Merchant that participates in Healthcare Auto-Substantiation must be licensed
and certified by SIGIS.

ID# 0025549 Edition: Oct 2024 | Last Updated: Oct 2020

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5.8.16 Multi-Currency Pricing

5.8.16.1 Multi-Currency Pricing (MCP) – Acquirer and Merchant Requirements

An Acquirer must ensure that its Merchants that conduct Multi-Currency Pricing (MCP) Transactions
do all of the following:
l Not misrepresent, either explicitly or implicitly, that its MCP service is a Visa service
l Include the Transaction Currency as one of the displayed foreign currencies
l If the Merchant’s local currency is displayed, do all of the following:
– Allow the Cardholder to pay in that currency
– Not impose any additional requirements on the Cardholder to pay in that currency
– Not use any language or procedures (for example: pre-selecting a currency) that may cause the
Cardholder to select MCP by default

ID# 0030763 Edition: Oct 2024 | Last Updated: Oct 2021

5.9 Transaction Receipt Requirements

5.9.1 Transaction Receipt Delivery to Cardholders

5.9.1.1 Transaction Receipt Delivery to Cardholders

A Merchant or Acquirer must provide a completed Transaction Receipt to a Cardholder, as follows:1

Table 5-10: Transaction Receipt Delivery to Cardholders

Transaction Type Transaction When Transaction Receipt Must Be

Receipt Provided
Required

For all Transactions, unless otherwise specified Yes, if At the time of the Transaction
requested by
Cardholder

The Merchant initiates the Transaction, including any Yes At the time of the Transaction
of the following:
l Recurring Transactions
l Installment Transactions

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Table 5-10: Transaction Receipt Delivery to Cardholders (continued)

Transaction Type Transaction When Transaction Receipt Must Be

Receipt Provided
Required

l Unscheduled Credential-on-File Transactions

The Cardholder initiates the Transaction, and any of Yes At the time of the Transaction
the following:
l The Transaction Receipt contains a restricted
return, refund, or exchange policy
l The Merchant requires the Transaction Receipt if
the Cardholder returns merchandise
l The Transaction is for the sale or activation of a
Card
l The Transaction is a Load Transaction, where for
Account Funding Transactions these apply only to
Card-Absent Interlink Transactions

The Transaction is any of the following: Yes Within 3 business days of a

Cardholder’s departure, check-out,
l Express-return Transactions at a rental Merchant
disembarkation, or rental return
l Priority check-out Transactions at a Cruise Line or
Lodging Merchant

If required to provide a Transaction Receipt to the Cardholder, the Merchant must provide a
Transaction Receipt as follows:
l For an Electronic Commerce Transaction, a Mail/Phone Order Transaction, or a Transaction that
occurs at a Contactless-only Acceptance Device, the Merchant may choose to offer only paper or
only electronic Transaction Receipts.1 This does not apply to a Contactless-only Acceptance Device
used for donations.
l For all other Transactions, the Merchant must offer a paper Transaction Receipt unless the
Cardholder agrees to an electronic Transaction Receipt
1
A Card-Absent Environment Transaction is subject to these requirements if the Transaction qualifies as a Card-Absent
Interlink Transaction

ID# 0027835 Edition: Oct 2024 | Last Updated: Oct 2023

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5.9.1.2 Electronic Format Cardholder Receipt Delivery Requirements

If a Merchant provides an electronic Transaction Receipt, the Merchant’s provision of an electronic
Transaction Receipt to a Cardholder must comply with all of the following:
l If a link to a website and/or application is provided, all of the following:
– Provide clear instructions to the Cardholder for accessing the Transaction Receipt
– Ensure that the link is a direct link to the Transaction Receipt
– Make the receipt available to the Cardholder for at least 120 calendar days after the Processing
Date
l Provide instructions to enable the Cardholder to obtain the receipt if the Cardholder does not
receive it
l Not store or use personal information provided by the Cardholder to enable the Merchant to
provide the receipt for any other purpose without the express consent of the Cardholder
l Include both of the following in the title of the email or the title or first line of the wirelessly-
delivered message:
– The Merchant name as it will appear in the Authorization Request and on the Cardholder billing
statement
– Language indicating that the email or wirelessly-delivered message contains the Cardholder’s
copy of a Transaction Receipt or a link to the Cardholder’s copy of a Transaction Receipt
l Provide the receipt in a static format that cannot be easily manipulated after it has been created

ID# 0027837 Edition: Oct 2024 | Last Updated: Apr 2023

5.9.2 Transaction Receipt Data and Format Requirements

5.9.2.1 Transaction Receipt Delivery during Technical Malfunctions

When a technical malfunction prevents a Merchant from electronically completing a Transaction, the
Merchant may utilize paper sales drafts.

ID# 0030457 Edition: Oct 2024 | Last Updated: Apr 2018

5.9.2.2 Required Transaction Receipt Content for All Transactions

A Merchant must make available to each Cardholder a completed Transaction Receipt that complies
with all applicable laws and regulations, including, but not limited to, Federal Reserve Regulation E –
Electronic Fund Transfers.

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A Transaction Receipt must include all of the following elements:

Table 5-11: Required Transaction Receipt Content for All Transactions

Required Element Additional Requirements

Payment Credential Only the last 4 digits of the Payment Credential must be printed on the
Cardholder’s copy of the Transaction Receipt.

Merchant location Merchant city and state/province

Merchant Name The name used by the Merchant to identify itself to its customers

Merchant, Marketplace, For a Transaction involving a Merchant Outlet or Marketplace, the city and state
or Digital Wallet Operator of the Merchant Outlet or Marketplace
1
(DWO) location

Acquirer, Consumer Bill The name used by the Merchant to identify itself to its customers, except for the
Payment Service (CBPS), following:
DWO, Marketplace, or
1
l For a Transaction involving a Payment Facilitator or High-Integrity Risk
Merchant name Payment Facilitator the name of the Payment Facilitator and the name of the
Sponsored Merchant (or an abbreviation)
l For a back-to-back Transaction involving a retailer signed by a Digital Wallet
Operator (DWO), the name of the DWO and the name of the retailer
l For a Transaction involving a Marketplace, the name of the Marketplace and
the name of the retailer
l For a Transaction involving an up-selling Merchant, the name of the up-
selling Merchant offering the goods and services in a manner that clearly
differentiates the up-selling Merchant from the initial Merchant
l For a Transaction involving a CBPS, the name of the CBPS and the name of the
biller

Transaction amount Total currency amount of all goods and services sold to the Cardholder at the
same time, including applicable taxes and fees and any adjustments or credits

Transaction Date No additional requirements

Transaction type One of the following:

l The Transaction is a Load Transaction, where for Account Funding
Transactions these apply only to Card-Absent Interlink Transactions
l Purchase

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Table 5-11: Required Transaction Receipt Content for All Transactions (continued)

Required Element Additional Requirements

1
A Card-Absent Environment Transaction by the Merchant must qualify as a Card-Absent Interlink Transaction.

ID# 0027843 Edition: Oct 2024 | Last Updated: Oct 2023

5.9.2.3 Required Transaction Receipt Content for All Transactions

In addition to the requirements in Section 5.9.2.2, Required Transaction Receipt Content for All
Transactions, and Section 5.4.2.2, Disclosure to Cardholders of Return, Refund, and Cancellation
Policies, a Transaction Receipt must contain all of the following, as applicable:

Table 5-12: Required Transaction Receipt Content for Specific Transactions

1
Transaction Type Required Content

Advance Payment l For a full Advance Payment:

– Full cancellation and refund policy, including the date and time that
any refund privileges expire without Advance Payment forfeiture
– Advance Payment Transaction amount
– Scheduled start date or delivery date of the goods or services
– The word(s) “Advance Payment” or “Prepayment”
l For a partial Advance Payment:
– Full cancellation and refund policy, including the date and time that
any refund privileges expire without Advance Payment forfeiture
– Advance Payment Transaction amount
– The word(s) “Advance Payment,” “Deposit,” or “Partial Payment” if
there is a balance outstanding
– For balance payments, the word “Balance” if the full remaining cost of
the goods or services has been paid
l For cancellations, cancellation confirmation

Aggregated Transaction l Amount of each individual purchase

l Date of each individual purchase
l Description of each individual purchase

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Table 5-12: Required Transaction Receipt Content for Specific Transactions (continued)

1
Transaction Type Required Content

Airline Transaction For ticket purchases, itinerary data

Transaction at a rental l Daily rental rate

Merchant l Any applicable taxes
l Dates of pick-up and return
l Description of additional costs

Cash-Back Transaction Cash-back amount shown separately to purchase amount

Collection Agency Transaction l Name of the original lender/creditor if different than the Loan
repayment Merchant
l Type of repayment (for example: “mortgage,” “credit card,” “goods,”
“services”)

Cruise Line Transaction l Cabin rate

l Dates of embarkation and disembarkation

Debt Repayment and Overdue l Type of repayment (for example: “loan,” “mortgage,” “credit card,”
Receivable Transaction “goods,” “services”)
l Name of the original lender/creditor

Electronic Commerce l Customer service contact

Transaction l Merchant country
l Merchant online address
l Conditions of sale, including return and cancellation policy

Load Transaction l Separate listing of the value of reload or sale

l Type of tender used to fund the reload or purchase
l Load Partner identification code
l For a Load Transaction at a Visa ATM, account balance (if provided by
the Issuer)

Lodging Merchant Transaction l Dates of check-in and check-out

(in which lodging is a l Daily room charge
component)
l Any applicable taxes

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Table 5-12: Required Transaction Receipt Content for Specific Transactions (continued)

1
Transaction Type Required Content

l Description and dates of individual purchases

Quasi-Cash Transactions For POS Transactions:

l 4 digits printed below the Account Number (if present)
l Type of secondary identification (for example: passport, driver’s license)
without including the number or any other identifying information

No-Show Transaction l Daily room charge or rental rate

l Taxes
l Agreed start date of the accommodation or rental
l The words “No Show”

Partial Payment l Name of the seller, if the Merchant is not the seller of the goods or
services being purchased
l A number representing where the Transaction falls in the installment
sequence (for example: ”2 of 4”)

Preauthorized Healthcare For a Healthcare Auto-Substantiation Transaction, the words

Transaction “Preauthorized Healthcare”

Transaction (or establishment l The length of any trial period, introductory offer, or promotional period,
of an agreement if no amount including clear disclosure that the Cardholder will be charged unless the
is due at the time the Stored Cardholder takes steps to cancel any subsequent Transactions
Credential is captured) l The Transaction amount and Transaction Date for the initial Transaction
involving a trial period, (even if no amount is due) and for subsequent Recurring Transactions
introductory offer, or
l A link or other simple mechanism to enable the Cardholder to easily
promotional period
cancel the Transaction and any subsequent Transactions online or via
SMS/text message

Transaction on which a fee is Shown separately and clearly:

assessed (where permitted) l Convenience Fee
l Service Fee
l Wire Transfer Money Order Fee
l Any other fees

Fees and Surcharges must not be identified as a Visa-imposed charge.

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Table 5-12: Required Transaction Receipt Content for Specific Transactions (continued)

1
Transaction Type Required Content

Transactions for the acquisition l Description of the item being acquired or purchased, either:
of non-fiat currency (for – For non-fiat currency, the type of currency/coin
example: cryptocurrency) or
non-fungible tokens (NFT) – For an NFT, a description of the NFT
l Total cost of item acquired or purchased, including all applicable fees,
charges, taxes or other costs, represented in the applicable fiat currency
of the Transaction
l The destination wallet address that the non-fiat currency/coin or NFT
was delivered to
l A statement that the item’s value may fluctuate or be volatile
l Any restricted return, refund or cancellation policy, if applicable, as
specified in Section 5.4.2.2, Disclosure to Cardholders of Return, Refund,
and Cancellation Policies
1
For Card-Absent Environment Transactions, the requirements apply only to qualified Card-Absent Interlink
Transactions.

ID# 0028052 Edition: Oct 2024 | Last Updated: Apr 2024

5.10 Returns, Credits, and Refunds

5.10.1 Merchant Processing

5.10.1.1 Merchant Processing of Credits to Cardholders

A Merchant that processes a Credit Transaction to a Cardholder’s account for a previously completed
purchase Transaction must be the same Merchant (same Terminal or Merchant Outlet is not required)
that initiated the original purchase, and is subject to the following requirements:
l To the extent possible, the Merchant must process the Credit Transaction to the same Payment
Credential as used in the original Transaction
l If unable to process a Credit Transaction to the original Payment Credential, the Merchant may
refund the Transaction amount through alternate means (cash, check, in-store credit, or prepaid
card), if any of the following conditions apply:

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– A Transaction Receipt or other proof of purchase is absent

– The Cardholder claims that the Prepaid Card used for the original purchase has been discarded
– The Authorization Request for a Credit Transaction to the original Payment Credential receives a
Decline Response
l Initiate the Credit Transaction through the use of a PIN1 and an Acceptance Device
l Not exceed the original Transaction amount
l Process the refund with 5 calendar days of the Credit Transaction Date
1
This requirement does not apply to a qualified Card-Absent Interlink Transaction.

ID# 0008605 Edition: Oct 2024 | Last Updated: Oct 2023

5.10.1.2 Credit Refunds for Timeshares

A timeshare Merchant must provide a full credit refund when the Cardholder cancelled the
Transaction within 14 calendar days of the contract date or the date the contract or related
documents were received.

ID# 0003082 Edition: Oct 2024 | Last Updated: Apr 2023

5.10.1.3 Acquirer Responsibility for Credit Transactions

An Acquirer is liable to the Issuer for each Credit Transaction approved by the Issuer and must settle
for the full amount of the Transaction.

ID# 0030458 Edition: Oct 2024 | Last Updated: Apr 2018

5.11 Payment Solution Providers

5.11.1 Acquirer Requirements for Consumer Bill Payment Service Providers

An Acquirer that contracts with a Consumer Bill Payment Service (CBPS) provider1 must comply with
the requirements listed below:
l Ensure that processing of Interlink Transactions by the CBPS provider is limited to qualifying Card-
Absent Interlink Transactions
l Register the CBPS with Visa/Interlink and obtain written approval for each CBPS before processing
any Transactions as a CBPS. Interlink may, at its sole discretion, determine whether a third-party
biller is eligible to participate in the CBPS program.

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l Certify that the CBPS qualifies as a CBPS and complies with the Interlink Rules
l Conduct an adequate due diligence review of the CBPS and the non-Interlink-accepting billers to
ensure compliance with the Acquirer’s obligation to submit only legal Transactions to VisaNet and
to ensure that the CBPS engages only in legal transactions with such billers
l Communicate to Visa/Interlink the Merchant name and the Card acceptor identification assigned
to the CBPS, and consistently use them in all Transaction messages
l Populate a business application identifier (BAI) associated with the CBPS on every participating
Transaction
l For any Service Fee assessed, ensure that the underlying biller in the US Region uses a permitted
MCC, as specified in Section 5.5.2.1, Service Fee Assessment Requirements
l Upon Interlink request, provide to Interlink activity reporting on each CBPS, including all of the
following:
– CBPS name
– Biller name
– Biller location
– Monthly Transaction count and amount for each biller
– Any other data requested by Interlink
l Ensure that the CBPS:
– Is located in the US Region and makes payments only to billers located in the US Region
– Uses the appropriate MCC to identify a biller, as listed in Table 5-13, Consumer Bill Payment
Service Provider – Allowed MCCs. If unable to use the biller MCC or meet the requirements, the
biller is ineligible for the program and must use MCC 4829.
– Performs customer verification (KYC) and meets all applicable anti-money laundering
requirements for all non-Interlink-accepting billers before initiating Transactions for such billers
– Only aggregates payments to a single biller
– Clearly discloses to the Cardholder, before the Transaction takes place, that it is the Merchant
and that the Transaction involves only the transfer of money from the Cardholder to the third
party
– Upon completion of a Transaction, provide the Cardholder with access to all of the following
information for at least 120 days following the Transaction Processing Date:
▪ Biller name
▪ Total Transaction amount in the Transaction Currency

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▪ Transaction Date
▪ Biller payment date and method
l Ensure that all Transactions processed by a CBPS include both:
– CBPS name and biller name in the Merchant name field
– CBPS identifier

Table 5-13: Consumer Bill Payment Service Provider – Allowed MCCs

Country Allowed MCCs

US Region

US Any of the following:

l 4900 (Utilities – Electric, Gas, Water, and Sanitary)
l 6012 (Financial Institutions – Merchandise, Services, and Debt Repayment)
l 6051 (Non-Financial Institutions – Foreign Currency, Liquid and
Cryptocurrency Assets [for example: Cryptocurrency], Money Orders [Not
Money Transfer], Account Funding [not Stored Value Load], Travelers Cheques,
and Debt Repayment)
l 6513 (Real Estate Agents and Managers – Rentals)
l 8011 (Doctors and Physicians [Not Elsewhere Classified])
l 8050 (Nursing and Personal Care Facilities)
l 8062 (Hospitals)
l 8099 (Medical Services and Health Practitioners [Not Elsewhere Classified])
l 8111 (Legal Services and Attorneys)
l 8211 (Elementary and Secondary Schools)
l 8220 (Colleges, Universities, Professional Schools, and Junior Colleges)
l 8241 (Correspondence Schools)
l 8244 (Business and Secretarial Schools)
l 8249 (Trade and Vocational Schools)
l 8299 (Schools and Educational Services [Not Elsewhere Classified])
l 8351 (Child Care Services)
l 9311 (Tax Payments)

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1
A Merchant that provides a payment solution that allows Cardholders to pay qualifying billers. A biller may or may not be
a Merchant.

ID# 0030635 Edition: Oct 2024 | Last Updated: Apr 2024

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6 Reserved for Future Use
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6 Reserved for Future Use

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7 Transaction Processing
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7 Transaction Processing

7.1 VisaNet Systems Use

7.1.1 Interlink Switch

7.1.1.1 Interlink Switch Services Available to Members

The Interlink Switch makes available all of the following to an Interlink Member that routes
Transactions through it:
l Clearing and Transaction routing information relating to the Interlink Member’s Merchants,
Processors, Payment Facilitators, Marketplaces, Digital Wallet Operators and sponsored entities1
l Records required to verify and audit the Interlink Member’s Transactions
l Authorization Response from the Card Authorization System, delivered to the Merchant Interface
System operated by the Acquirer
l Stand-In Processing for online Transactions, Pre-Authorization requests, and Pre-Authorizations if
the Card Authorization System is unavailable
l Transaction log for back-up or recovery purposes
The Interlink Switch also accepts Transaction message on behalf of the Card Authorization System if
the Issuer’s Card Authorization System is unavailable.
An Interlink Member must ensure that all lines and datasets associated with the Merchant Interface
System and the Card Authorization System comply with the applicable VisaNet Manuals.
1
For Card-Absent Environment Transactions processed by a Payment Facilitator, Marketplace, or Digital Wallet Operator,
the Interlink Switch services are limited to qualified Card-Absent Interlink Transactions.

ID# 0030462 Edition: Oct 2024 | Last Updated: Apr 2023

7.1.1.2 Interlink Switch Operational Standards

The Interlink Network operates and maintains the Interlink Switch. The Interlink Switch:
l Is available 24 hours a day, 7 days a week
l Meets the minimum response time standards specified in the applicable VisaNet Manuals
l Maintains a daily record of all Transaction data, except PIN data, processed through it

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l Coordinates and maintains all lines and datasets between, both:

– The Merchant Interface System operated by the Acquirer
– The Card Authorization System operated by the Issuer

ID# 0030463 Edition: Oct 2024 | Last Updated: Apr 2018

7.1.1.3 PINless Enablement Disclosure Requirements for Non-Visa Payment

Credential Transactions – US Region and US Territories
In the US Region and US Territory: A US Issuer that enables processing of qualified Card-Absent
Interlink Transactions must clearly communicate to its Cardholders that such Transactions do not
require PIN authentication.
At the time of issuance or implementation of such processing, this Cardholder communication must
be included in the terms and conditions of the deposit and/or debit account.

ID# 0008884 Edition: Oct 2024 | Last Updated: Apr 2023

7.1.2 Access to Visa/Interlink Systems

7.1.2.1 Interlink Member System Requirements

An Interlink Member must be able to receive and transmit Interchange data as V.I.P. System financial
Transactions. The Interlink Member must comply with the appropriate VisaNet Manual when using
Full Service for Clearing.

ID# 0030473 Edition: Oct 2024 | Last Updated: Oct 2021

7.1.3 Visa Merchant Direct Exchange

7.1.3.1 Visa Merchant Direct Exchange Merchant Termination or Downgrade

If an Acquirer terminates receipt or transmission of Interchange, or downgrades its VisaNet
processing level for Interchange access provided to a Visa Merchant Direct Exchange Merchant, the
Acquirer must both:
l Notify Interlink in writing at least 3 months before the termination or effective date of the
downgrade
l Be responsible for the VisaNet access charges that would have been assessed until the designated
termination date, if the Acquirer terminates the receipt or transmission of Interchange before the
designated termination date

19 October 2024 Visa Public 171

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Access and processing levels must have been in effect at least 12 months on the designated effective
date of the downgrade or termination.

ID# 0030464 Edition: Oct 2024 | Last Updated: Apr 2018

7.2 Authorization

7.2.1 Stand-In Processing Service Participation

7.2.1.1 Routing File for Card-Absent Interlink Transactions

If an Acquirer chooses to route qualified Card-Absent Interlink Transactions, it must determine the
routing of an Authorization Request using either:
l Interlink and Visa Routing File
l PIN at the Point of Sale Routing File

ID# 0008754 Edition: Oct 2024 | Last Updated: Apr 2023

7.2.1.2 Stand-In Processing

Interlink provides Stand-In Processing for online Transactions, Pre-Authorization Requests, and
completion of previously pre-authorized Transactions if the Pre-Authorization Requests or
Completion Message are received by the Interlink Switch when the Card Authorization System is
unavailable.
If the actual Transaction amount received in a Completion Message is greater than the Stand-In
Processing limit but less than or equal to the amount previously pre-authorized, the Interlink Switch
will authorize the Transaction on behalf of the Card Authorization System.

ID# 0030460 Edition: Oct 2024 | Last Updated: Apr 2018

7.2.1.4 Stand-In Processing Parameters

An Issuer must establish Stand-In Processing parameters based on any of the following:
l Activity File Parameters (by product type and/or Merchant Category Code)
l Maximum purchase amount limits (by product type and/or Merchant Category Code)
l Negative files
l Positive files

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l Cardholder cumulative data (velocity) files

l Card expiration date
l PIN Verification procedures
If an Issuer requests PIN Verification, the minimum Stand-In Processing limits apply only if Interlink
Switch supports the method of PIN Verification used by the Issuer.

ID# 0030466 Edition: Oct 2024 | Last Updated: Apr 2018

7.2.1.5 Visa Smarter Stand-In Processing – Issuer Participation Requirements

An Issuer that participates in Visa Smarter Stand-In Processing (STIP) is responsible for both:
l Obtaining any necessary permissions and consents in connection with having Transactions
processed by Visa Smarter STIP
l Setting Visa Smarter STIP parameters, which in the event of a conflict will prevail over any other
STIP parameters set by the Issuer

ID# 0030746 Edition: Oct 2024 | Last Updated: Oct 2021

7.2.2 Authorization Processing

7.2.2.1 Merchant or Acquirer Authorization Requirements

A Merchant or an Acquirer must both:
l Obtain Authorization before completing a Transaction
l Electronically transmit the Transaction data to the Merchant Interface System and through the
Interlink Switch to the Card Authorization System

ID# 0030461 Edition: Oct 2024 | Last Updated: Apr 2018

7.2.3 Member Provision of Authorization Services

7.2.3.1 Requirement to Provide Authorization Services

A Member must provide Authorization services for all of its Cardholders or Merchants 24 hours a day,
7 days a week, using one of the following methods:
l Directly, as a Processor
l Through another designated Processor

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l By other means approved by Interlink

An Issuer or its designated Processor must respond to an Authorization Request within 10 seconds of
its transmission by Interlink.
If the Card Authorization System does not receive an Authorization Response from an Issuer within
the specified time limit, the Interlink Switch will respond on behalf of the Issuer using Stand-In
Processing.1
1
This requirement does not apply in the Canada Region.

ID# 0004381 Edition: Oct 2024 | Last Updated: Oct 2016

7.2.4 Authorization Reversals and Authorization Holds

7.2.4.1 Acquirer Requirement to Act on Authorization Reversal

An Acquirer that receives an Authorization Reversal from its Merchant must accept the Authorization
Reversal and immediately forward it to Interlink.
If an Issuer is not available to process a Reversal, the Interlink Network both:
l Accepts the Reversal on behalf of the Issuer
l Forwards the Transaction to the Card Authorization System when the Issuer is available

ID# 0005476 Edition: Oct 2024 | Last Updated: Oct 2016

7.2.4.2 Issuer Requirements for Matching Authorization Reversal

An Issuer that receives an Authorization Reversal must attempt to match the Authorization Reversal
to a previous Authorization Request.
When matched, the Issuer must immediately both:
l Process the Authorization Reversal
l Release any applicable hold on the available funds in its Cardholder’s account

ID# 0025592 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 174

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7.2.5 Declines

7.2.5.1 Decline Response Prohibition for Missing Card Verification Value 2 (CVV2)
An Issuer must not send a Decline Response based solely on a missing Card Verification Value (CVV2)
for any of the following:
l A Token provisioning request1
l A Transaction initiated with a Token
l A Transaction where the capture of the CVV2 is prohibited or not required, as specified in Section
10.9.2.3, Card Verification Value 2 (CVV2) Issuer Processing Requirements
1
Applies only to Visa Token Service participants and only to Stored Credential or Electronic Commerce enabler Tokens.

ID# 0029985 Edition: Oct 2024 | Last Updated: Apr 2024

7.2.5.2 Use of Authorization Response Codes

An Issuer that declines an Authorization Request or an Account Verification request must send to
VisaNet the Decline Response code that most accurately reflects the reason for the decline, as
specified in Table 7-1, Decline Response Code Use.
A Merchant that receives a Decline Response may resubmit the Authorization Request or the Account
Verification request only as follows:

Table 7-1: Decline Response Code Use

Reason Code Issuer Requirements Merchant Reattempt

Limits

Category 1: Issuer will never approve Limit use to situations After receiving a Category
where an Authorization 1 Decline Response code,
l 04 (Pick up card [no fraud])
Request will never be a Merchant must never
l 07 (Pick up card, special condition [fraud 1
approved resubmit an Authorization
account]) Request or Account
l 12 (Invalid transaction) Verification for the same
Payment Credential
l 14 (Invalid account number [no such number])
l 15 (No such issuer [first 8 digits of account
number do not relate to an issuing identifier])
l 41 (Lost card, pick up)
l 43 (Stolen card, pick up)

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Table 7-1: Decline Response Code Use (continued)

Reason Code Issuer Requirements Merchant Reattempt

Limits

l 46 (Closed account)
l 57 (Transaction not permitted to cardholder)
l R0 (Stop payment order)
l R1 (Revocation of authorization order)
l R3 (Revocation of all authorizations order)

Category 2: Issuer cannot approve at this time Use to indicate the Reattempt permitted (up
decline condition to 15 attempts in 30 days)
l 03 (Invalid merchant)
l 19 (Re-enter transaction)
l 39 (No credit account)
l 51 (Not sufficient funds)
l 52 (No checking account)
l 53 (No savings account)
l 59 (Suspected fraud)
l 61 (Exceeds approval amount limit)
l 62 (Restricted card [card invalid in region or
country])
l 65 (Exceeds withdrawal frequency limit)
l 75 (Allowable number of PIN-entry tries
exceeded)
l 78 (Blocked, first used or special condition
[account is temporarily blocked])
l 86 (Cannot verify PIN)
l 91 (Issuer or switch inoperative)
l 93 (Transaction cannot be completed – violation
of law)
l 96 (System malfunction)
l N4 (Cash request exceeds issuer or approved
limit)

19 October 2024 Visa Public 176

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Table 7-1: Decline Response Code Use (continued)

Reason Code Issuer Requirements Merchant Reattempt

Limits

Category 3: Data quality – Revalidate payment Use to indicate the Reattempt permitted (up
information decline condition to 15 attempts in 30 days)
l 54 (Expired card or expiration date missing)
l 55 (PIN incorrect or missing)
l 82 (Negative online CAM, dCVV, iCVV, or CVV
results)
l 6P (Verification Failed [Cardholder Identification
does not match Issuer records])
l N7 (Decline for CVV2 failure)

Category 4: Generic response codes Limit use to transactions Reattempt permitted (up
where no other value to 15 attempts in 30 days)
All other Decline Response codes
applies
1
After sending a Category 1 Decline Response, Issuers must consistently send the same Decline Response code.

ID# 0030640 Edition: Oct 2024 | Last Updated: Apr 2024

7.2.6 Partial Authorization

7.2.6.1 Partial Authorization Service – Acquirer Requirements

An Interlink Acquirer must participate in the Partial Authorization Service, at a minimum by
supporting Merchants as specified in Table 7-2, Acquirer Participation in the Partial Authorization
Service.

Table 7-2: Acquirer Participation in the Partial Authorization Service

Region/Country Minimum Required MCCs Product Type Environment

Supported

Canada l 4121 (Taxicabs and Limousines) l Visa Debit l Card-

Category Absent
l 4812 (Telecommunication Equipment and
Card
Telephone Sales) l Card-
l Prepaid Present

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Table 7-2: Acquirer Participation in the Partial Authorization Service (continued)

Region/Country Minimum Required MCCs Product Type Environment

Supported

l 4814 (Telecommunication Services, including Local Card

and Long-Distance Calls, Credit Card Calls, Calls
Through Use of Magnetic Stripe Reading
Telephones, and Fax Services)
l 4816 (Computer Network/Information Services)
l 5200 (Home Supply Warehouse Stores)
l 5310 (Discount Stores)
l 5311 (Department Stores)
l 5331 (Variety Stores)
l 5399 (Miscellaneous General Merchandise)
l 5411 (Grocery Stores and Supermarkets)
l 5499 (Miscellaneous Food Stores – Convenience
Stores and Specialty Markets)
l 5541 (Service Stations With or Without Ancillary
Services)
l 5542 (Automated Fuel Dispensers)
l 5552 (Electric Vehicle Charging)
l 5621 (Women’s Ready-To-Wear Stores)
l 5631 (Women’s Accessory and Specialty Shops)
l 5641 (Children’s and Infants’ Wear Stores)
l 5651 (Family Clothing Stores)
l 5661 (Shoe Stores)
l 5691 (Men’s and Women’s Clothing Stores)
l 5732 (Electronic Stores)
l 5734 (Computer Software Stores)
l 5735 (Record Stores)
l 5812 (Eating Places and Restaurants)
l 5814 (Fast Food Restaurants)

19 October 2024 Visa Public 178

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Table 7-2: Acquirer Participation in the Partial Authorization Service (continued)

Region/Country Minimum Required MCCs Product Type Environment

Supported

l 5912 (Drug Stores and Pharmacies)

l 5921 (Package Stores – Beer, Wine, and Liquor)
l 5941 (Sporting Goods Stores)
l 5942 (Book Stores)
l 5945 (Hobby, Toy, and Game Shops)
l 5947 (Gift, Card, Novelty and Souvenir Shops)
l 5977 (Cosmetic Stores)
l 5999 (Miscellaneous and Specialty Retail Stores)
l 7230 (Beauty and Barber Shops)
l 7298 (Health and Beauty Spas)
l 7399 (Business Services [Not Elsewhere Classified])
l 8999 (Professional Services [Not Elsewhere
Classified])
l 9399 (Government Services [Not Elsewhere
Classified])

US 5542 (Automated Fuel Dispensers) All Products l Card-

Absent
l Card-
Present

An Interlink Acquirer must:

l Support all Merchants that choose to participate in the Partial Authorization Service
l Obtain systems certification from Interlink to receive and transmit Partial Authorizations
l Process Partial Authorization messages for all Acceptance Devices that have been programmed to
participate in the Partial Authorization Service
l Support an Authorization request message for terminals that have been programmed to accept a
Partial Authorization Response

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l Ensure that its participating Merchants:

– Support Partial Authorizations for all Visa Card types, as specified in Section 7.2.6.4, Partial
Authorization Service Merchant Participation
– Include the Partial Authorization indicator in the Authorization Request
– Submit an Authorization Reversal if the Cardholder elects not to complete the purchase
– Submit a Clearing Transaction for no more than the amount approved in the Partial
Authorization Response
l Ensure that a Merchant that provides Cash-Back participates in the Partial Authorization service
l Support partial approval amounts and Partial Authorization Responses (Response Code “10”) from
an Issuer for terminals that have been programmed to accept Partial Authorization Responses
l Accept and forward to Interlink an Authorization Reversal received subsequent to a Partial
Authorization Response
l For a Transaction, that involves the purchase of goods or services and a cash back amount, apply
the Partial Authorization response only toward the purchase amount
l Ensure Merchant participation as specified in Section 7.2.6.4, Partial Authorization Service Merchant
Participation

ID# 0002515 Edition: Oct 2024 | Last Updated: Oct 2024

7.2.6.2 Issuer Requirements for Releasing Hold on Funds

An Issuer must release any hold, or a portion of it, on the available funds in its Cardholder’s account
as follows:1

Table 7-3: Funds Hold Release Requirements

Transaction Type Issuer must release hold or portion of hold

Automated Fuel Dispenser The earlier of either:

Transaction l The receipt of the Completion Message
l Within 2 hours after the receipt of the Authorization Request

All Other Pre-Authorizations The earlier of the following:

l Upon receipt of a Completion Message that matches all, or a portion,
of a previous Authorization Request or Pre-Authorization Request
l Upon expiration of applicable timeframe as specified in Section 5.7.2.5,
Transaction and Processing Timeframes

19 October 2024 Visa Public 180

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Table 7-3: Funds Hold Release Requirements (continued)

Transaction Type Issuer must release hold or portion of hold

l Immediately upon receipt of a Reversal of all or a portion of an

Authorization or Pre-Authorization that contains at least the data
elements required to match the Authorization Reversal to a previous
Authorization Request or Pre-Authorization Request
1
Unless the Issuer determines that the Transaction or account involves suspicious or unusual activity.

ID# 0030468 Edition: Oct 2024 | Last Updated: Apr 2023

7.2.6.3 Partial Authorization Service – Issuer Requirements

An Issuer and its Processor must participate in the Partial Authorization Service for Transactions
involving Prepaid Cards.
An Issuer that participates in the Partial Authorization Service must support Partial Authorizations
and Authorization Reversals.
An Issuer and its Processor must not send a Partial Authorization response if the Partial Authorization
request message does not include a Partial Authorization support indicator.
An Issuer must participate in the Partial Authorization Service, as specified in Table 7-4, Issuer
Participation in the Partial Authorization Service.

Table 7-4: Issuer Participation in the Partial Authorization Service

Region/Country Allowed Product Type Transaction Type Environment

Canada l Visa Debit Category All Card-Present

Card
l Prepaid Card

US l Debit Card All l Card-Absent1

l Prepaid Card l Card-Present
1
This only applies to a Card-Absent Interlink Transaction.

ID# 0029818 Edition: Oct 2024 | Last Updated: Oct 2024

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7.2.6.4 Partial Authorization Service Merchant Participation

An Interlink Acquirer must participate in the Partial Authorization Service to support Merchants that
choose to participate in this service.
Merchants with the following MCCs must support Partial Authorization, as specified in Table 7-5,
Required Partial Authorization Service Merchant Participation:

Table 7-5: Required Partial Authorization Service Merchant Participation

Region/Country Required Merchants – Product Type Supported Environment

MCCs

US 5542 (Automated Fuel All Products l Card-Absent

Dispensers) l Card-Present

ID# 0031005 Edition: Oct 2024 | Last Updated: Oct 2024

7.2.6.5 Partial Authorization Service for Account Funding Transactions – Issuer

Requirements
For a Card-Absent Interlink Transaction, an Issuer and its Processor must participate in the Partial
Authorization Service for Account Funding Transactions initiated with a consumer Debit Card or a
Prepaid Card, as specified in the Visa Direct Account Funding Transaction (AFT) Processing Guide.
For a Card-Absent Interlink Transaction, an Issuer and its Processor must not send a Partial
Authorization response if the request message does not include a Partial Authorization support
indicator.

ID# 0031023 Edition: Oct 2024 | Last Updated: Apr 2024

7.2.6.6 Partial Authorization Service for Account Funding Transactions – Acquirer

Requirements
For a Card-Absent Interlink Transaction, an Acquirer that supports Account Funding Transactions
must support the Partial Authorization Service, as specified in the Visa Direct Account Funding
Transaction (AFT) Processing Guide.

ID# 0031024 Edition: Oct 2024 | Last Updated: Apr 2024

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7.2.7 Account Verification

7.2.7.1 Account Verification Processing – Issuer Requirements

An Issuer must do all of the following:
l Receive and respond to a zero-amount Account Verification request
l Validate that the Account Number is valid and has not been reported as lost or stolen
l Not approve or decline Account Verification requests in a systematic or wholesale manner
l Provide validation results as requested by the Acquirer for all of the following:
– Card Verification Value (CVV)
– Card Verification Value 2 (CVV2)
– Cardholder Authentication Verification Value (CAVV)
l Respond with descriptive response codes to indicate:
– 00 – Approval (when the Account has balance greater than zero)
– 85 – No reason to decline (when the Issuer has not checked the Account balance)
– For non-approvals, a decline code indicating the primary reason for decline
– For a Non-Reloadable Prepaid Card, an Issuer must decline an Account Verification request for a
Recurring Transaction with response code 57 (Transaction not permitted)

ID# 0031047 Edition: Oct 2024 | Last Updated: Apr 2024

7.2.7.2 Account Verification Processing – Acquirer Requirements

An Acquirer must do all of the following:
l Transmit a zero-amount Account Verification request to the Issuer
l Receive the response from the Issuer for that Account Verification request
l Send and receive Account Verification requests containing additional verification data, including
(but not limited to) Cardholder Verification Value 2 (CVV2) and Address Verification Service (AVS)
l Ensure that its Merchant uses Account Verification when storing a Payment Credential or validating
an account separately from a purchase, as specified in Section 5.8.8.1, Requirements for Partial
Payments, Advance Payments, and Transactions Using Stored Credentials and Section 5.7.1.2,
Account Verification Requirements

ID# 0031048 Edition: Oct 2024 | Last Updated: Apr 2024

19 October 2024 Visa Public 183

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7.2.8 Pre-Authorization

7.2.8.1 Pre-Authorization and Partial Pre-Authorization Processing Requirements

An Acquirer or a Merchant that initiates a Pre-Authorization Request must comply with all of the
following:
l Support processing of Partial Pre-Authorization responses from the Issuer
l Initiate the Pre-Authorization Request at, or in proximity to, the physical Point of Sale (POS)
Acceptance Device1 and for a specific amount
l Require Cardholder-entered PIN at the POS Acceptance Device1
l Send the Pre-Authorization Completion message within the timeframes specified in Section 5.7.2.5,
Transaction and Processing Timeframes
l Not transfer funds until a Pre-Authorization Completion message for the Transaction is received
The use of PIN and Point-of-Transaction Acceptance Device is not required to process a Pre-
Authorization Completion.
1
This requirement does not apply to a qualified Card-Absent Interlink Transaction.

ID# 0030469 Edition: Oct 2024 | Last Updated: Apr 2023

7.2.9 Stop Payment Service

7.2.9.1 Stop Payment Service Requirements

An Issuer that participates in the Stop Payment Service must do all of the following:
l Obtain a stop payment instruction request from the Cardholder
l Correctly specify the type of stop payment instruction
l Provide complete and accurate information pertaining to the stop payment instruction
l Keep stop payment instruction information current in the Stop Payment Service
A Member must not disclose information associated with the Stop Payment Service other than data
relating to the Member’s own Cardholder and/or Merchant to any other party unless otherwise
authorized by Visa.

ID# 0030698 Edition: Oct 2024 | Last Updated: Oct 2023

19 October 2024 Visa Public 184

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7.3 Merchant Interface System

7.3.1 Merchant Interface System Processing

7.3.1.1 Merchant Interface System Acquirer Responsibilities

An Acquirer must ensure that its Merchants maintain a Merchant Interface System that complies with
both:
l V.I.P. System SMS Interlink Technical Specifications
l PIN Management Requirements Documents

ID# 0030475 Edition: Oct 2024 | Last Updated: Apr 2018

7.3.1.2 Merchant Interface System Processing Capabilities

A Merchant Interface System that supports Card-Absent Environment Transactions without a PIN or
any unaffiliated network must be capable of processing all of the following:
l Disputes, Dispute Responses, Acquirer-initiated pre-Arbitration attempts, and Adjustments
l Dispute Reversals
l Partial Authorization Transactions
l Purchase Transactions
l Responses to each of the above Transactions
l Reversals
l For Card-Absent Interlink Transactions, the Merchant Interface System that supports Card-Absent
Environment Transactions without a PIN for any other network may be capable of processing any
of the following:
– Account Funding Transactions
– Account Verification
– Bill Payment Transactions
– Debt Repayment Transactions
– Electronic Commerce Transactions
– Installment Payment Transactions
– Mail/Phone Order Transactions
– Merchant Initiated Transactions

19 October 2024 Visa Public 185

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– Original Credit Transactions

– Pre-Authorization and Pre-Authorization Completion
– Recurring Payment Transactions
For each Transaction submitted to it, the Merchant Interface System must both:
l Transmit the required information as specified in the V.I.P. System SMS Interlink Technical
Specifications
l Process the Transaction unless prevented from doing so due to a technical malfunction

ID# 0030476 Edition: Oct 2024 | Last Updated: Oct 2023

7.3.1.3 Merchant Interface System – Acquirer Processing Options

An Acquirer may, at its option, process the following Transactions:
l Balance inquiries
l Pre-Authorizations
l Credit Transactions
l Quasi-Cash Transactions
l Responses to each of the above Transactions

ID# 0030477 Edition: Oct 2024 | Last Updated: Apr 2018

7.4 Processing of Specific Transaction Types

7.4.1 Account Funding Transactions

7.4.1.1 Account Funding Transaction Requirements

For a Card-Absent Interlink Transaction, an Account Funding Transaction must be used for the
following:
l Reloading Prepaid Cards
l In the Card-Absent Environment, all of the following:
– Funding person-to-person money transfers, including account-to-account money transfers
– Funding disbursements of funds from cards

19 October 2024 Visa Public 186

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– Funding Stored Value Digital Wallets, and Staged Digital Wallets where the Transaction is not
Back-to-Back Funding
– Purchase of Liquid and Cryptocurrency Assets
An Account Funding Transaction must do all of the following:
l Be processed with an Account Funding Transaction indicator and the correct business application
identifier (BAI)
l Be processed as a full financial message
l Not represent any of the following:
– Payment for goods or services
– Funding of a Merchant account
– Debt repayment
l Comply with the Visa Direct Account Funding Transaction (AFT) Processing Guide

ID# 0002890 Edition: Oct 2024 | Last Updated: Oct 2023

7.4.1.2 Issuer Processing of an Account Funding Transaction Credit Adjustment

For a Card-Absent Interlink Transaction, an Issuer must post an Account Funding Transaction credit
adjustment within 2 business days after receipt of the Acquirer credit adjustment advice.

ID# 0030906 Edition: Oct 2024 | Last Updated: Oct 2023

7.4.1.3 Acquirer Submission of an Account Funding Transaction Credit Adjustment

or Reversal
For a Card-Absent Interlink Transaction, an Acquirer must submit an Account Funding Transaction
credit adjustment advice or Account Funding Transaction reversal if the recipient rejects the funds or
declines the transfer, or the transfer expires, as specified in the Visa Direct Account Funding
Transaction (AFT) Processing Guide.
The Account Funding Transaction credit adjustment advice must be directly related to a previous
Account Funding Transaction and include the same Transaction Identifier of the original Transaction.

ID# 0030907 Edition: Oct 2024 | Last Updated: Oct 2023

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7.4.3 Transaction Reversals

7.4.3.1 Transaction Reversal Requirements

A Merchant may process a Transaction Reversal to cancel a previous Transaction in any of the
following situations:
l The Transaction timed out
l The Cardholder cancels the Transaction, or the Transaction is cancelled for any other reason, after
the Authorization Request has been sent
A Reversal must meet all of the following conditions:
l Be submitted for Deposit the same day as the original Transaction
l Match the original Transaction amount
l Originate at the same Merchant as the original Transaction
l Be transmitted with the Trace Number

ID# 0030467 Edition: Oct 2024 | Last Updated: Apr 2018

7.4.4 Quasi-Cash Transactions

7.4.4.1 Quasi-Cash Transaction Processing Code

Unless permitted otherwise in Section 7.4.4.2, Money Order Processing Requirements, a Merchant or
an Acquirer that initiates a Quasi-Cash Transaction must transmit in its message to the Interlink
Network the appropriate processing code to identify the Transaction as a Quasi-Cash Transaction.

ID# 0030478 Edition: Oct 2024 | Last Updated: Oct 2021

7.4.4.2 Money Order Processing Requirements

For a Quasi-Cash Transaction that includes the purchase of a money order, a Merchant must either:
l Process the Transaction as specified in Section 7.4.4.1, Quasi-Cash Transaction Processing Code
l Both:
– Include the money order amount and any applicable service fee in the Cash Back field of the
message
– Include the combined value of goods, services, money order, and any applicable service fees in
the total Transaction amount

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This provision applies only to a Merchant that is assigned one of the following Merchant Category
Codes:
l 5310 (Discount Stores)
l 5411 (Grocery Stores and Supermarkets)
l 5912 (Drug Stores and Pharmacies)
l 9402 (Postal Services – Government Only)
An Issuer has no dispute rights related to the purchase of a money order.

ID# 0030470 Edition: Oct 2024 | Last Updated: Apr 2018

7.4.4.3 Quasi-Cash/Online Gambling Transaction Indicator

A Quasi-Cash or Online Gambling Transaction1 must be processed with a Quasi-Cash Transaction
indicator in the Authorization/Pre-Authorization Request and Completion Message. This requirement
does not apply to a Transaction representing the purchase of Liquid and Cryptocurrency Assets.
The Merchant or Acquirer must include the Quasi-Cash Transaction indicator in the
Authorization/Pre-Authorization Request and Completion Message.
1
Only a qualified Card-Absent Interlink Transaction may be processed as an Online Gambling Transaction.

ID# 0002886 Edition: Oct 2024 | Last Updated: Oct 2023

7.4.5 Bill Payment Transactions

7.4.5.1 Bill Payment Transaction Data

A Merchant may enable Interlink for Bill Payment Transaction only for a qualified Card-Absent
Interlink Transaction. The Acquirer must identify the Bill Payment Transaction in the message to the
Issuer.

ID# 0008913 Edition: Oct 2024 | Last Updated: Apr 2023

7.4.6 Transactions Involving Cryptocurrency

7.4.6.1 Transactions Involving Cryptocurrency or Non-Fungible Tokens (NFT) –

Transaction Processing Requirements
Effective through 11 April 2025 For a Transaction involving cryptocurrency, an Acquirer must include
the following in the Authorization Request and Clearing Record:

19 October 2024 Visa Public 189

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Interlink Product and Service Rules
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Interlink Core Rules and Interlink Product and Service Rules

l For the purchase of cryptocurrency in a Card-Absent Environment with an Account Funding

Transaction: MCC 4829, 6012, 6540, or 6051 (as applicable), and special condition indicator 7 in the
Authorization Request and Clearing Record
l For the purchase of cryptocurrency in a Card-Present Environment use the Quasi-Cash purchase
indicator and with the appropriate MCC and the special condition indicator 7 in the Authorization
Request and Clearing Record
l For the purchase of goods or services that involves a conversion from fiat currency to
cryptocurrency accepted by the Merchant or retailer (including via Back-to-Back Funding): the
MCC that describes the primary business of the Merchant/retailer and special condition indicator 7
l For an Original Credit Transaction used to disburse funds from a Staged Digital Wallet or Stored
Value Digital Wallet after the sale or conversion of cryptocurrency: MCC 4829, special condition
indicator 7, and the applicable business application identifier (BAI)
Effective 12 April 2025 For a Card-Absent Interlink Transaction involving non-fiat currency (for
example: cryptocurrency) or non-fungible tokens (NFT), an Acquirer must include the following in the
Authorization Request and Clearing Record as specified in Table 7-6, Non-Fiat Currency and Non-
Fungible Token (NFT) Transaction Coding1

Table 7-6: Non-Fiat Currency and Non-Fungible Token (NFT) Transaction Coding

2
Transaction Type Merchant Category Code Additional Indicator(s)
3
(MCC)

Acquisition of non-fiat One of the following, as Both:

currency with a Card, applicable:
l The applicable business application identifier
Staged Digital Wallet, or (BAI)
l 4829 (Wire Transfer
Stored Value Digital Money Orders)
Wallet
l The applicable special condition indicator:
l 6012 (Financial – 1 – Central Bank Digital Currency (CBDC) or
Institutions – tokenized deposit
Merchandise Services,
and Debt Repayment) – 2 – Stablecoin (fiat-backed)

l 6540 (Non-Financial – 3 – Blockchain native token/coin

Institutions: Stored – 7 – if the type of non-fiat currency is unknown
Value Card at the time of the Transaction, or does not
Purchase/Load) qualify for any other special condition indicator
l 6051 (Non-Financial
Institutions – Foreign
Currency, Non-Fiat
Currency [for example:
Cryptocurrency],

19 October 2024 Visa Public 190

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Interlink Product and Service Rules
7 Transaction Processing
Interlink Core Rules and Interlink Product and Service Rules

Table 7-6: Non-Fiat Currency and Non-Fungible Token (NFT) Transaction Coding (continued)

2
Transaction Type Merchant Category Code Additional Indicator(s)
3
(MCC)

Money Orders [not

Money Transfer],
Travelers Cheques, and
Debt Repayment)

Acquisition of an NFT The MCC that describes Special condition indicator 4 – NFT, if the Cardholder
with a Card, Staged the primary business of purchases an NFT as an asset or for investment
Digital Wallet, or Stored the Merchant/retailer purposes (for example: digital media or artwork).
Value Digital Wallet
Use of special condition indicator 4 is optional if the
Cardholder purchases a good or service that is
incidentally delivered as an NFT (for example: a
concert ticket, an airline ticket, or a club
membership).

For the purchase of The MCC that describes Both:

goods or services that the primary business of l The digital currency conversion identifier
involves a conversion the Merchant/retailer
from fiat currency to l The applicable special condition indicator:
non-fiat currency – 1 – Central Bank Digital Currency (CBDC) or
accepted by the tokenized deposit
Merchant or retailer
– 2 – Stablecoin (fiat-backed)
(including via Back-to-
Back Funding) – 3 – Blockchain native token/coin
– 7 – if the type of non-fiat currency is unknown
at the time of the Transaction, or does not
qualify for any other special condition indicator

For an Original Credit 4829, 6012, 6540, or 6051 Both:

Transaction used to (as applicable) l The applicable business application identifier
disburse funds from a
(BAI)
Staged Digital Wallet or
Stored Value Digital
l The applicable special condition indicator
Wallet after the sale or – 1 – Central Bank Digital Currency (CBDC) or
conversion of non-fiat tokenized deposit
currency
– 2 – Stablecoin (fiat-backed)
– 3 – Blockchain native token/coin

19 October 2024 Visa Public 191

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Interlink Product and Service Rules
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Interlink Core Rules and Interlink Product and Service Rules

Table 7-6: Non-Fiat Currency and Non-Fungible Token (NFT) Transaction Coding (continued)

2
Transaction Type Merchant Category Code Additional Indicator(s)
3
(MCC)

– 7 – if the type of non-fiat currency is unknown

at the time of the Transaction, or does not
qualify for any other special condition indicator

Effective 12 April 2025 For the purpose of the Visa Rules, Visa defines non-fiat currencies (for
example: cryptocurrency) as follows:
l Central bank digital currency (CBDC): digital currency issued by a central bank, reserve bank or
other national monetary authority.
l Tokenized deposit: equivalent to existing deposits, held by a licensed depository institution,
recorded on a blockchain.
l Stablecoin (fiat-backed): digital assets that maintain financial reserves in a fiat currency in the form
of cash, government securities, repurchase agreements that are collateralized fully with
government securities, and/or other very liquid recognized liabilities of a central bank or reserve
bank, held by a licensed financial institution, recorded on a blockchain.
l Blockchain native token/coin: a digital currency inherent on a blockchain required for performing
on-chain transactions such as for payment of fees, that is neither CBDC, a tokenized deposit or
stablecoin (fiat-backed).
Effective 12 April 2025 Any other type of non-fiat currency must be identified with the special
condition indicator 7.
Effective 12 April 2025 For the purpose of the Visa Rules, Visa defines a non-fungible token (NFT) as
a unique digital identifier that is recorded on a blockchain, and is used to certify ownership and
authenticity of an asset. It cannot be copied, substituted, or subdivided. The ownership of an NFT is
recorded in the blockchain and can be transferred by the owner, allowing NFTs to be sold and traded.
1
An Acquirer in the Card-Absent Environment is subject to this requirement if the Acquirer processes Card-Absent Interlink
Transactions.
2
If Dynamic Currency Conversion (DCC) is offered as part of the acquisition of non-fiat currency or the purchase of an NFT,
all applicable DCC rules apply as specified in Section 5.8.7.1, Dynamic Currency Conversion (DCC) – Acquirer Requirements
3
If any Transaction is related to a High-Integrity Risk Merchant, the applicable High-Integrity Risk Transaction MCC must be
used.

ID# 0030883 Edition: Oct 2024 | Last Updated: Apr 2024

19 October 2024 Visa Public 192

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
7 Transaction Processing
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7.5 Transaction Data Accuracy

7.5.1 Interlink Transaction Adjustments

7.5.1.1 Interlink Transaction Adjustments

If an Acquirer processes an Adjustment to correct a Merchant or Acquirer processing error, it must
both:
l Process the Adjustment within 45 calendar days of the purchase date of the original Transaction
l Process the Adjustment for the correct Transaction amount
The Acquirer must include, in the “supporting information field” all of the following information from
the original Transaction:
l Transaction Date
l Merchant name and location
l Greenwich Mean Time
l Trace Number
The Acquirer must not process an Adjustment subsequent to a Dispute.

ID# 0026510 Edition: Oct 2024 | Last Updated: Apr 2018

7.5.2 Transaction Corrections

7.5.2.1 Correcting Duplicate or Erroneous Data Transmission

Upon discovering that duplicate or erroneous data was submitted through Interchange, a Processor
or Merchant must request, through its Acquirer, that the data be corrected.
The Processor or Merchant must:
l Notify Interlink within 2 hours of discovery
l Submit a correction or an Adjustment for each duplicate or erroneous Transaction within 2
business days following discovery
l If submitting an Adjustment, reference, either:
– The settled, original Transaction containing duplicate or erroneous data, including Transactions
where the Merchant completed the sale but the Transaction timed out or failed to complete1

19 October 2024 Visa Public 193

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7 Transaction Processing
Interlink Core Rules and Interlink Product and Service Rules

– The Pre-Authorization Transaction that was denied after the Pre-Authorization Request had
been approved
An Acquirer must not submit an Adjustment after a Dispute has been processed.
An Acquirer that fails to provide accurate Transaction data may be subject to Disputes or non-
compliance assessment.
1
If unable to reference the settled original Transaction (example: Transaction timed out or failed to complete) but the sale
was completed, the Merchant, through its Acquirer, must attempt good faith collection from the Issuer before processing
an Adjustment

ID# 0030471 Edition: Oct 2024 | Last Updated: Apr 2018

7.5.3 Merchant Data

7.5.3.1 Merchant Data Elements

When submitting Transactions, an Acquirer must provide accurate Merchant descriptor data as
specified in the applicable VisaNet Manuals.
An Acquirer that fails to submit accurate data is subject to non-compliance assessments.

ID# 0030472 Edition: Oct 2024 | Last Updated: Oct 2021

7.6 Settlement

7.6.1 Funds Transfer Requirements

7.6.1.2 Settlement Funds Reporting Process

Interlink will electronically transmit a record of the Settlement Amount to each Interlink Member
through the Interlink Switch for each Processing Date. This record will both:
l Identify the Settlement Amount to be transferred to or requested from the Interlink Member
l Detail the amount Interlink Members and their Affiliates have due from or to each of the other
Interlink Members
For Settlement of Interregional Transactions, an Interlink Member must comply with all of the
following:
l Visa Core Rules and Visa Product and Service Rules
l Visa Settlement Funds Transfer Guide

19 October 2024 Visa Public 194

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Interlink Product and Service Rules
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Interlink Core Rules and Interlink Product and Service Rules

ID# 0030474 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 195

© 2014—2024 Visa. All Rights Reserved.
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8 Processing Products
Interlink Core Rules and Interlink Product and Service Rules

8 Processing Products

8.1 Use of Interlink Systems

8.1.1 VisaNet Access Points

8.1.1.1 Deployment of Visa Merchant Direct Exchange (MDEX) at User Sites

A Visa Merchant Direct Exchange Merchant that deploys a Visa system must provide, at no cost to
Interlink or Visa, all of the following:
l A location that meets Interlink requirements for installing one or more VisaNet Access Points on
the Visa Merchant Direct Exchange Merchant’s premises
l A sufficient number of qualified personnel that the Visa Merchant Direct Exchange Merchant has
trained to meet Interlink specifications
l Upon request, access to the premises of the Member and cooperation with Interlink and its
authorized agents or representatives for the installation, service, repair, or inspection of the
VisaNet Access Points
l Computer time and a sufficient number of qualified personnel to ensure prompt and efficient
installation and use of the VisaNet software supplied by Interlink
l Any other support reasonably requested by Interlink for the installation of Visa systems

ID# 0027076 Edition: Oct 2024 | Last Updated: Oct 2019

8.1.1.2 Prohibition against VisaNet Access Point Modification

No party may make or attempt to make any repair, adjustment, alteration, or modification to a
VisaNet Access Point, except as expressly authorized by Interlink.

ID# 0027074 Edition: Oct 2024 | Last Updated: Oct 2014

8.1.1.3 VisaNet Access Point Security – Visa Merchant Direct Exchange

A Visa Merchant Direct Exchange Merchant must provide the same level of security for its VisaNet
Access Points as it provides for its proprietary systems.

ID# 0027075 Edition: Oct 2024 | Last Updated: Oct 2019

19 October 2024 Visa Public 196

© 2014—2024 Visa. All Rights Reserved.
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Interlink Core Rules and Interlink Product and Service Rules

8.1.2 Visa Merchant Direct Exchange

8.1.2.1 Visa Merchant Direct Exchange Transaction Delivery

An Acquirer of a Visa Merchant Direct Exchange Merchant must both:
l Be capable of receiving VisaNet reports or records as notification that both:
– Clearing and Settlement occurred for Transactions submitted by the Visa Merchant Direct
Exchange Merchant
– Payment is due to the Visa Merchant Direct Exchange Merchant
l Accept responsibility for Transactions submitted by the Visa Merchant Direct Exchange Merchant

ID# 0027077 Edition: Oct 2024 | Last Updated: Apr 2018

8.1.2.2 Visa Merchant Direct Exchange Notification Obligations

A Visa Merchant Direct Exchange Merchant must:
l Maintain VisaNet records, documents, and logs and provide them to Interlink upon request
l Notify Interlink promptly if a VisaNet Access Point for which it is responsible fails to operate
properly
l Notify Interlink promptly of any change in the street address where the VisaNet Access Point is
installed. The software must not be relocated across national boundaries without the prior written
permission of Interlink.

ID# 0030479 Edition: Oct 2024 | Last Updated: Apr 2018

8.2 Original Credit Transactions

8.2.1 Original Credit Transactions – Originating Requirements

8.2.1.1 Original Credit Transaction Limitations

In the US Region: An Original Credit Transaction must involve only a single sender and a single
recipient.

ID# 0025765 Edition: Oct 2024 | Last Updated: Oct 2021

19 October 2024 Visa Public 197

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8.2.1.2 Original Credit Transaction Verification of Posting

In the US Region: If a Recipient Issuer receives through Visa Resolve Online an Original Credit
Transaction originator’s request for confirmation or proof that funds have been posted to a recipient
Cardholder’s account, it must respond to the confirmation request through Visa Resolve Online
within 5 calendar days from the date of inquiry.

ID# 0027329 Edition: Oct 2024 | Last Updated: Oct 2021

8.2.2 Original Credit Transactions – Recipient Issuer Requirements

8.2.2.1 Original Credit Acceptance

In the US Region: A Member must accept an incoming Original Credit Transaction1 unless prohibited
by applicable laws or regulations.
If prohibited by applicable laws or regulations, the Member must submit a written request to Interlink
to block incoming Original Credit Transactions.
1
Excluding all Non-Reloadable Prepaid Cards and Reloadable Prepaid Cards where Cardholder data is not on file or where
the source of loads may be restricted (for example: government, healthcare, or insurance programs).

ID# 0004062 Edition: Oct 2024 | Last Updated: Oct 2024

8.2.2.2 Original Credit Transaction (OCT) Recipient Issuer Requirements

In the US Region: A Recipient Issuer must do all of the following:
l Post an Original Credit Transaction (OCT) to the Payment Credential within 2 business days of
receipt, or dispute the OCT to the Originating Acquirer
l If participating in Fast Funds, make funds available to the Cardholder within 30 minutes of
approving an OCT1
l For a Dispute processed for an OCT, only initiate a Dispute Reversal within one calendar day of the
Dispute Processing Date
l Not apply additional funds transfer fees for consumer Cards
1
Effective 12 April 2025 Within 60 seconds of approving a domestic OCT.

ID# 0004064 Edition: Oct 2024 | Last Updated: Oct 2024

19 October 2024 Visa Public 198

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8.2.3 Original Credit Transactions – Fast Funds

8.2.3.1 Original Credit Transactions – Fast Funds Processing

In the US Region: A Recipient Issuer must process as Fast Funds an incoming Original Credit
Transaction received for a Debit Card or Reloadable Prepaid Card, except a Reloadable Prepaid Card
where Cardholder data is not on file or where the source of loads may be restricted (for
example: government, healthcare, insurance programs).

ID# 0027273 Edition: Oct 2024 | Last Updated: Apr 2022

8.3 Visa Innovation Center

8.3.1 Confidentiality of Information Exchanged in Relation to a Visa Innovation

Center Engagement
A Member (or Authorized Participant, if applicable) must, and Visa will, keep non-public information
(including, but not limited to, Confidential Information provided by the other party or its affiliates,
any discussions, negotiations, or proposals related to a Visa Innovation Center engagement or other
specifications, software development kits, source code, object code, or application program
interfaces provided by Visa or its affiliates, or any other information that by its nature would be
reasonably understood to be confidential or proprietary) and, except as the disclosing party permits
otherwise, must and will not use such confidential information except to the extent necessary, for the
Member (or Authorized Participant, if applicable) and Visa to meet their obligations related to the
Visa Innovation Center engagement.
Visa or the Member (or Authorized Participant, if applicable) may disclose the confidential
information of the other party or its affiliates only to the following:
l Employees, affiliates, and agents who have agreed to confidentiality terms with the party that
receives the confidential information that reasonably protect the other party’s confidential
information
l Employees, affiliates, and agents to whom that receiving party reasonably needs to disclose the
confidential information to perform its obligations or to create any final good, data, material, work
product, or deliverable developed and delivered by Visa to the Member (or Authorized Participant,
if applicable) during or as a result of a Visa Innovation Center engagement
The receiving party may disclose confidential information to the receiving party’s auditors and
outside counsel to the extent reasonably required to comply with applicable laws or regulations or
procure appropriate legal advice. The receiving party must use the same degree of care, but no less
than a reasonable degree of care, as it uses to prevent unauthorized disclosure of its own confidential
information.

19 October 2024 Visa Public 199

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The receiving party has no obligation to keep confidential any confidential information:
l That any of the following:
– Is already known to the receiving party (as evidenced by its preexisting records)
– Is or becomes publicly known without any breach of confidentiality obligations
– Is received from a third party that has no applicable duty of confidentiality
– Is independently developed by the receiving party without any use of confidential information
disclosed in relation to the Visa Innovation Center engagement
l If required by court order, governmental demand, or other compulsory legal process, provided
that, if legally permitted to do so, the receiving party first notifies the disclosing party in writing at
least 10 days in advance to afford the disclosing party an opportunity to seek relief from the
required disclosure, a protective order, or other relief

ID# 0030676 Edition: Oct 2024 | Last Updated: Oct 2020

8.3.2 Ownership of Intellectual Property in Relation to a Visa Innovation Center

Engagement
Background Intellectual Property Rights – Visa and a Member (or Authorized Participant, if
applicable) retain ownership of intellectual property rights that each owned, created, or discovered
before, or otherwise independently of, any information and materials delivered and work performed
during a Visa Innovation Center engagement or resulting from use of Visa Innovation Center services.
Foreground Intellectual Property Rights – Subject to each party’s rights in its own background
intellectual property and to Visa’s rights to any patents that embody or use its confidential
information, Visa and the Member (or Authorized Participant, if applicable) each own exclusive right,
title, and interest in and to all intellectual property rights to works and information created solely by
Visa or the Member (or Authorized Participant, if applicable), or inventions conceived solely by Visa
or the Member (or Authorized Participant, if applicable) during or as a result of a Visa Innovation
Center engagement or use of Visa Innovation Center resources.
Joint Intellectual Property Rights – Except for works or projects that Visa deems to be a custom work
or project, and subject to each party’s rights in its own background intellectual property and to Visa’s
rights to any patents that embody or use its confidential information, if a joint work or joint invention
arises during or as a result of a Visa Innovation Center engagement (and if there is no separate
written agreement to the contrary), Visa and the Member (or Authorized Participant, if applicable)
jointly own the copyright to the joint work or patent rights to the joint invention (“joint intellectual
property”). Visa and the Member (or Authorized Participant, if applicable) have the right to use,
modify, license, assign, and otherwise exploit such joint intellectual property worldwide without any
duty to account to or obtain consent of the other joint owner.

19 October 2024 Visa Public 200

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
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Interlink Core Rules and Interlink Product and Service Rules

ID# 0030677 Edition: Oct 2024 | Last Updated: Oct 2020

8.3.3 Member License to Use Intellectual Property Developed in a Visa Innovation

Center Engagement
Visa and a Member (or Authorized Participant, if applicable) grants to the other a worldwide, fully
paid, royalty free, non-exclusive, perpetual, non-terminable right and license, including the right to
grant and authorize sublicenses, to use and exploit for any and all purposes the foreground
intellectual property and joint intellectual property specified in Section 8.3.2, Ownership of Intellectual
Property in Relation to a Visa Innovation Center Engagement, owned by Visa or the Member (or
Authorized Participant, if applicable). This license does not and will not grant any rights or licenses to
any background intellectual property specified in Section 8.3.2, Ownership of Intellectual Property in
Relation to a Visa Innovation Center Engagement, nor does it grant Visa or the Member (or
Authorized Participant, if applicable) any rights or licenses under any trademarks, trade names, logos,
or other branding of the other party.

ID# 0030678 Edition: Oct 2024 | Last Updated: Oct 2020

19 October 2024 Visa Public 201

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
9 Interchange
Interlink Core Rules and Interlink Product and Service Rules

9 Interchange

9.1 General Interchange Requirements

9.1.1 Interchange Reimbursement Fees

9.1.1.1 Interchange Reimbursement Fee Payment Flow

An Interlink Member pays another Interlink Member Interchange Reimbursement Fees for each
Transaction, including each interregional Transactions, processed through Interlink, as specified in
the Interchange Reimbursement Fee Rate Sheet available at visa.com.
The Interchange Reimbursement Fee is paid by one Member to another as follows:

Table 9-1: Payment of Interchange Reimbursement Fees

Interlink Members and Interchange Reimbursement Fee

Non-Member Processors
Charged to Received by

Purchase Debit Acquirer Issuer

Pre-Authorization None None

Pre-Authorization Completion Acquirer Issuer

Declines None None

Balance Inquiry None None

Reversal Issuer Acquirer

Credit Issuer Acquirer

Adjustment Acquirer1 Issuer1

Dispute Issuer Acquirer

Dispute Response or Acquirer-initiated pre- Acquirer Issuer

Arbitration attempt
1
Interchange is reversed for credit adjustments.

ID# 0030481 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 202

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Interlink Product and Service Rules
9 Interchange
Interlink Core Rules and Interlink Product and Service Rules

9.2 Interchange Reimbursement Fee Programs

9.2.1 Supermarket Interchange Reimbursement Fee

9.2.1.1 Supermarket Interchange Reimbursement Fee Qualification Criteria – US

Region
In the US Region: A Transaction qualifies for the Supermarket Interchange Reimbursement Fee only if
all of the following characteristics apply:
l Merchant is a non-membership retail store primarily engaged in selling food for home preparation
and consumption
l Merchant offers a complete line of food merchandise, including self-service groceries, meat,
produce, and dairy products
l Merchant has monthly sales of perishables (packaged and in-store bakery goods, dairy products,
delicatessen products, floral items, frozen foods, meat, and produce) representing at least 45% of
total monthly sales
l Merchant is assigned an MCC of 5411 (Grocery Stores and Supermarkets)
l Merchant transmits the appropriate supermarket indicator in the Transaction message

ID# 0008523 Edition: Oct 2024 | Last Updated: Apr 2018

9.3 Interchange Reimbursement Fee Compliance Program

9.3.1 Interchange Reimbursement Fee Compliance

9.3.1.1 Interchange Reimbursement Fee (IRF) Compliance Filing Requirements

A Member may file for IRF Compliance if all of the following apply:
l A violation of the Interlink Rules or Interlink Interchange Reimbursement Fee Rate Sheet occurred
l The Member received or paid incorrect IRF as a direct result of the violation by another Member
l The Member’s financial loss is a direct result of an incorrectly applied IRF rate
l The Member would not have incurred a financial loss if the violation had not occurred
l The violating Transactions were processed through VisaNet
l The IRF rate paid or received is not governed by any bilateral or private agreements
l Visa has screened the request and granted permission for the Member to file

19 October 2024 Visa Public 203

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Interlink Product and Service Rules
9 Interchange
Interlink Core Rules and Interlink Product and Service Rules

A Member may aggregate up to 1,000,000 Transactions into a single IRF Compliance case if the
Transactions involved the same opposing Member and violated the same rule or the same
requirement in the Interlink Interchange Reimbursement Fee Rate Sheet. The value of the aggregated
Transactions must not be less than the sum of the IRF screening fee and the IRF filing fee specified in
the Visa Canada Fee Schedule and the Visa U.S.A. Fee Schedule.
Visa may refuse to allow a filing Member to participate in IRF Compliance. The decision by Visa to
refuse participation is final and not subject to any challenge.
A Member must comply with the Interchange Reimbursement Fee Compliance Process Guide.
A Member whose submission that does not meet the IRF Compliance eligibility criteria may file for
Compliance, as specified in Section 11.12.1, Compliance Filing Conditions.

ID# 0030409 Edition: Oct 2024 | Last Updated: Oct 2021

19 October 2024 Visa Public 204

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
10 Risk
Interlink Core Rules and Interlink Product and Service Rules

10 Risk

10.1 Corporate Risk Reduction

10.1.1 Anti-Money Laundering

10.1.1.1 Anti-Money Laundering Program Overview

Interlink maintains an anti-money laundering program reasonably designed within the context of
laws and regulations applicable to Interlink to prevent the Interlink system from being used to
facilitate money laundering or the financing of terrorist activities.

ID# 0003969 Edition: Oct 2024 | Last Updated: Oct 2014

10.1.2 Electronic Commerce Merchant Requirements

10.1.2.1 Electronic Commerce Transaction Type Prohibition

A Merchant, Payment Facilitator, Sponsored Merchant, or entity classified as high-integrity risk, as
specified in Section 10.4.4.1, High-Integrity Risk Merchants, that displays a Visa-Owned Mark on its
website and/or application must not accept Interlink payment for any of the following:1
l The purchase or trade of photographs, video imagery, computer-generated images, cartoons,
simulation, or any other media or activities including, but not limited to, activities listed in Section
1.3.3.2, Integrity Risk and Use of the Visa-Owned Marks
l The purchase of adult content or services using MCC 5967 (Adult Content and Services) where the
Merchant or Sponsored Merchant is not compliant with all the requirements specified in Section
3.1.1 of the Visa Integrity Risk Program Guide
l The purchase of products that claim or imply a similar efficacy as prescription drugs, controlled
substances, or recreational/street drugs, irrespective of claims of legality
Violation of this requirement may result in the termination of the Merchant, Payment Facilitator,
Sponsored Merchant, High-Integrity Risk Merchant, High-Integrity Risk Payment Facilitator, or High-
Integrity Risk Sponsored Merchant.
1
The requirements for online display of the Interlink Mark apply in connection with qualified Card-Absent Interlink
Transactions.

ID# 0005067 Edition: Oct 2024 | Last Updated: Oct 2024

19 October 2024 Visa Public 205

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
10 Risk
Interlink Core Rules and Interlink Product and Service Rules

10.2 Agents and Processors

10.2.1 Member Requirements Related to VisaNet Processors

10.2.1.1 VisaNet Processor Contracts

An Interlink Member must execute a written contract with each VisaNet Processor. The contract must
comply with all of the following:
l Include minimum standards established by Interlink, including, but not limited to:
– Policies
– Procedures
– Service levels
– Performance standards
l Include language that:
– Permits Interlink to conduct financial and procedural audits and general reviews at any time
– Requires the VisaNet Processor to make Cardholder and Merchant information available to
Interlink and regulatory agencies
– Contains a notice of termination clause
l Require that the VisaNet Processor comply with:
– The Visa Rules
– Applicable laws or regulations
l Be executed by a senior officer of the Interlink Member
l Require the VisaNet Processor to comply with the Payment Card Industry Data Security Standard
(PCI DSS)
l Require that the VisaNet Processor be properly registered with Interlink

ID# 0025879 Edition: Oct 2024 | Last Updated: Oct 2021

10.2.1.2 VisaNet Processor Requirements Related to Third Parties

A contract between an Interlink Member and its VisaNet Processor must require the VisaNet
Processor to:

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l Ensure that any third party that uses the Interlink Member’s BIN or Acquiring Identifier is properly
registered with Interlink by that Interlink Member
l Notify BIN Licensees or Acquiring Identifier Licensees in writing and receive written approval
before allowing a Third Party Agent to use the Interlink Member’s BIN or Acquiring Identifier, or
granting access to Cardholder information
l Report at least quarterly to the Interlink Member and Interlink any third party that uses its BIN or
Acquiring Identifier

ID# 0025881 Edition: Oct 2024 | Last Updated: Oct 2019

10.2.1.3 General Member Responsibilities for VisaNet Processors

A Member that has a contract with a VisaNet Processor must:
l Provide Transaction-related processing instructions directly to its VisaNet Processor
l Distribute written policies and procedures to its VisaNet Processors
l Establish a risk management program to control risks related to the use of VisaNet Processors,
such as:
– Loss of operational control
– Service provider failure
– Confidentiality and physical and logical security of Cardholder and Interlink Transaction
Information
l Verify that the principals and senior management of the VisaNet Processor have the requisite
knowledge and experience to successfully perform the contracted services1
l Conduct from time to time an on-site inspection of the business premises1 to:
– Verify inventory
– Inspect operational controls
– Monitor security standards regarding unauthorized disclosure of or access to Interlink data and
other payment systems
l Immediately notify Interlink of any change in the VisaNet Processor relationship, including
termination, change of ownership or business function, or processor
l Ensure that any changes to BIN or Acquiring Identifier relationships comply with the applicable
licensing requirements
1
Except when a VisaNet Processor is an Interlink Member or special Licensee.

ID# 0025880 Edition: Oct 2024 | Last Updated: Oct 2019

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10.2.1.4 Procedures for Use of an Airline Authorizing Processor

Before implementing a direct connection to VisaNet, a Member must ensure that its Airline
Authorizing Processor has either:
l Completed and submitted to Visa a VisaNet Letter of Agreement
l Signed a separate agreement with Visa
If a Member that acquires Airline Transactions1 is using an approved Airline Authorizing Processor,
the Member is not required to submit a VisaNet Letter of Agreement or regional client information
questionnaire.
1
Any Airline Transaction in the Card-Absent Environment must be a qualified Card-Absent Interlink Transaction.

ID# 0001021 Edition: Oct 2024 | Last Updated: Apr 2023

10.2.1.5 Requirements for VisaNet Processor Marketing Materials

An Interlink Member must require that its VisaNet Processor:
l Uses only marketing materials approved by the Interlink Member
l Ensures that all marketing materials displaying the Visa-Owned Marks also include the Interlink
Member name, which must be more prominent and in a larger font than that of the VisaNet
Processor
l Is prominently identified on the marketing materials as an Agent or representative of the Interlink
Member, unless the Interlink Member has provided its approval to exclude its name from such
marketing materials
l For Prepaid Card distribution, ensures that any website and/or application displaying the Visa-
Owned Marks or offering Visa Card services clearly and conspicuously includes the Interlink
Member name, which must be located close to the Visa-Owned Marks

ID# 0025885 Edition: Oct 2024 | Last Updated: Apr 2020

10.2.1.6 Non-Member VisaNet Processor or Clearing Processor Reporting

An Interlink Member that uses a non-Member VisaNet Processor or Clearing Processor to process
Transaction-related data must submit, upon request, an annual report to Interlink that includes at
least all of the following:
l Identification of the services provided by the non-Member VisaNet Processor or Clearing Processor
l Products and programs supported

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l BINs or Acquiring Identifiers under which the Interlink Member’s activity is processed

ID# 0025874 Edition: Oct 2024 | Last Updated: Oct 2021

10.2.1.7 VisaNet Processor Independent Audit

Upon designation of a VisaNet Processor, a sponsoring Interlink Member must obtain and review an
independent audit of the internal controls that support the VisaNet Processor’s VisaNet interface.1
The audit must be conducted annually and use standard audit practices of the International Audit
Standards or other regionally acceptable standards agreed by Interlink.
1
This does not apply if the VisaNet Processor is an Interlink Member or special Licensee.

ID# 0025878 Edition: Oct 2024 | Last Updated: Oct 2016

10.2.1.8 Interlink Collection of Funds from a Member or VisaNet Processor

In collecting funds owed by an Interlink Member or VisaNet Processor, Interlink may take, but is not
limited to, the following actions:
l Take and liquidate collateral posted by a Member or VisaNet Processor, as specified in the
agreement for the posting
l After providing at least one business day’s notice before the collection, either:
– Collect the financial obligations from the Member or VisaNet Processor through a Fee
Collection Transaction
– Withhold amounts from payments that Interlink owes to the VisaNet Processor
In the US Region: If an Interlink Member or VisaNet Processor does not remit the amount owed, the
Member is responsible for Interlink expenses incurred in collecting the funds, including, but not
limited to, costs and expenses of legal action.
In the US Region: A Member from whom Interlink collects amounts due must continue to honor its
obligations to Merchants and Sponsored Merchants.
In the US Region: A VisaNet Processor must not charge an Interlink Member’s Clearing account
unless either:
l Interlink has directed the VisaNet Processor to do so
l The Interlink Member whose account is to be charged has provided written consent for the charge
and the consent does not prevent the Member from complying with the Interlink Rules
In the US Region: Interlink is not required to exhaust its remedies in collecting from one Interlink
Member or VisaNet Processor before collecting from another Interlink Member.

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ID# 0025889 Edition: Oct 2024 | Last Updated: Oct 2016

10.2.1.9 Member or VisaNet Processor Dispute of Amount Collected by Interlink

If an Interlink Member or VisaNet Processor wishes to dispute an amount collected by Interlink, it
must both:
l Provide written notice to Interlink within 60 calendar days of the collection date, if it wishes to
dispute its liability for or the amount of the collection
l Not withhold payment because the Interlink Member or VisaNet Processor disputes its liability for
the payment
Interlink is both:
l Liable only for the amount improperly collected plus interest at the prime rate in effect
l Not liable for collections made in error, except for intentional misconduct

ID# 0025891 Edition: Oct 2024 | Last Updated: Oct 2016

10.2.2 Member Requirements Related to Third Party Agents

10.2.2.1 Member Risk Management and Approval for Third Party Agents
Before contracting with a Third Party Agent, a senior officer of an Interlink Member must review all
documentation. The Interlink Member must do all of the following:
l Determine that the entity is financially responsible and adheres to sound business practices
l Comply with the Third Party Agent Registration Program
l Conduct a background investigation to verify the responsibility (including, where appropriate,
financial responsibility) of the principals and ensure that no significant derogatory information
exists. If applicable laws or regulations prohibit checks (including financial reviews) on individuals,
the Member must note this when registering the Third Party Agent and note what other due
diligence procedures were undertaken to ensure that due diligence was completed.
l Review the Program Request Management application or the appropriate regional form each time
it signs a Third Party Agent
Approval of a Third Party Agent must not be based solely on any purported limitation of the Interlink
Member’s financial liability in any agreement with the Third Party Agent.
Registration of a Third Party Agent does not represent confirmation by Interlink of the Third Party
Agent’s compliance with any specific requirement.

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ID# 0025906 Edition: Oct 2024 | Last Updated: Apr 2023

10.2.2.2 Third Party Agent Contract Requirements

An Interlink Member must execute a written contract with each Third Party Agent that performs
Cardholder or Merchant solicitation or stores, processes, or transmits Cardholder or Transaction data
on behalf of the Interlink Member. The contract must comply with all of the following:
l Include minimum standards established by Interlink, including, but not limited to:
– Policies
– Procedures
– Service levels
– Performance standards
l Include language that:
– Permits Interlink to conduct financial and procedural audits and general reviews at any time
– Requires the Third Party Agent to make Cardholder and Merchant information available to
Interlink and regulatory agencies
– Contains a notice of termination clause
– Permits Interlink to determine the necessity of, and impose risk conditions on, the Third Party
Agent
l Require that the Third Party Agent comply with both:
– The Visa Rules
– Applicable laws or regulations
l Be executed by a senior officer of the Interlink Member
l Contain at least the substance of the provisions specified in Section 10.2.2, Member Requirements
Related to Third Party Agents
l Require that the Third Party Agent comply with the Payment Card Industry Data Security Standard
(PCI DSS)
l Restrict the Third Party Agent from subcontracting with any other entity
l Include a provision allowing the Member or its Merchant to terminate the contract if the Third
Party Agent participates in any of the activities described in Section 10.2.2.11, Prohibition of Third
Party Agents from Providing Services, or the Interlink Member or its Merchant becomes insolvent

ID# 0025902 Edition: Oct 2024 | Last Updated: Oct 2014

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10.2.2.3 Third Party Agent On-Site Inspection

Before registering a Third Party Agent, a Member must perform an on-site inspection of the Third
Party Agent’s business location as part of the due diligence requirement to:
l Verify inventory, if applicable
l Review solicitation or sales materials
l Inspect operational controls
l Monitor security standards regarding unauthorized disclosure of, or access to, Interlink Transaction
Information and other payment systems’ transaction information
Interlink may conduct an on-site inspection of any Third Party Agent to validate its compliance with
the applicable security requirements.

ID# 0025907 Edition: Oct 2024 | Last Updated: Oct 2014

10.2.2.4 Third Party Agent Change Notification

A Member must use the Program Request Management application or the appropriate form to notify
Interlink of any change in a Third Party Agent’s principals or business relationship (including change
of ownership or termination of contract). The Member must submit the notice to Interlink within 5
business days of the change or knowledge of the change.
The Member must forward to Interlink requests for correction accompanied with pertinent
information.

ID# 0025899 Edition: Oct 2024 | Last Updated: Oct 2016

10.2.2.5 Member Requirements for Third Party Agents

A Member that uses a Third Party Agent must do all of the following:
l Identify the Third Party Agent to Interlink using the Program Request Management application and
designate the activities that it is authorized to perform on the Member’s, or the Member’s
Merchant’s, behalf
l Control the approval and review of Merchants, approval of Cardholder applications, and
establishment of Merchant fees for Transactions
l Guarantee that it and the Third Party Agent will comply with Third Party Agent requirements and
Section 10.3, Account and Transaction Information Security

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l Ensure that the Third Party Agent has access to and uses the information contained in the Client
Service Provider Directory, if the Member uses the Third Party Agent for processing any of the
following:
– Disputes
– Arbitration cases
– Compliance cases
– Authorizations
– Fraud reporting cases
– Settlement
l Advise the Third Party Agent that:
– It must not represent registration in the Third Party Registration Program as Interlink
endorsement of its services
– Registration of a Third Party Agent is specific to each Member, and a separate Third Party Agent
registration is required for each Member business relationship
l Accept responsibility for any fees incurred and all losses caused by its Third Party Agent
l After discontinuing a Third Party Agent relationship, maintain a file on the Third Party Agent that
includes records of all applicable due diligence and retain this file, with the reason for
discontinuance, for a minimum of 2 years
l Upon Interlink request submit a detailed quarterly report, signed by an authorized officer, of the
activities and services of each Third Party Agent doing business on its behalf. Interlink may assess a
non-compliance assessment if the Member fails to provide this information within 30 calendar
days from the end of each quarter.

ID# 0025909 Edition: Oct 2024 | Last Updated: Apr 2024

10.2.2.6 Member Responsibilities for Card Activities

A Member is responsible for all Card activities associated with Interlink products and services,
whether performed directly or indirectly by the Member or a Third Party Agent. The Member must, at
a minimum, guarantee that:
l Its Merchants are paid for proper acceptance of a Card
l Payments received from Cardholders are applied for the purpose for which they were remitted
These obligations must not be waived, abrogated, or superseded in any manner.

ID# 0025910 Edition: Oct 2024 | Last Updated: Oct 2014

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10.2.2.7 Interlink Member Control of Merchant Activities

Regardless of any contract with a Third Party Agent, an Interlink Member must maintain control over
all of the following:
l Approval and review of Merchants
l Establishment of Transaction fees
l Establishment of Terminal encryption and placement procedures
l Settlement with Merchants

ID# 0030378 Edition: Oct 2024 | Last Updated: Apr 2018

10.2.2.8 Requirements for Third Party Agent Solicitation and Marketing Materials
A Member must approve a Third Party Agent’s use of any solicitation materials, such as
advertisements, stationery, business cards, sales brochures, and website promotional content.
The Member must ensure all of the following if its Third Party Agent uses solicitation and marketing
materials displaying the Interlink Marks:
l The Member’s name and headquarters city are prominently identified adjacent to the Interlink
Marks.
l Any subsequent Cardholder or Merchant Agreement is between the Member and the individual
Cardholder or Merchant.
l On Cardholder solicitation materials, the Member, not the Third Party Agent, is noted as the Issuer
of the Card.
l The material does not identify the Third Party Agent, unless the Third Party Agent is prominently
identified as a representative of the Member.
l The Third Party Agent presents itself to all current and prospective Cardholders and Merchants
under the Trade Name or “doing business as” (DBA) name registered with the Member.
l The Third Party Agent does not use an Interlink Mark on marketing materials, such as business
cards and letterhead on stationery.

ID# 0025914 Edition: Oct 2024 | Last Updated: Apr 2018

10.2.2.9 Disclosure of Account or Interlink Transaction Information

An Interlink Member must ensure that a Third Party Agent with access to account or Interlink
Transaction Information complies with Transaction Information security requirements, as specified in
Section 10.3, Account and Transaction Information Security.

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In the event of the failure, including bankruptcy, insolvency, or other suspension of business
operations of one of a Member’s Third Party Agents, Merchants, or Merchant’s agents, the Member
must ensure that its Third Party Agent, Merchant, or Merchant’s agent does not sell, transfer, or
disclose any materials that contain Account Numbers, personal information, or other Interlink
Transaction Information to any other entity. The Member must ensure that its Third Party Agent,
Merchant, or Merchant’s agent either:
l Returns this information to the Member
l Provides to the Member acceptable proof of secure destruction of this information

ID# 0025917 Edition: Oct 2024 | Last Updated: Apr 2023

10.2.2.10 Third Party Agent Responsibility to Provide Cardholder or Merchant

Information
If a Member, Interlink or its designees, or any regulatory agency requests Cardholder or Merchant
information of any type, a Third Party Agent must provide the information in writing no later than 7
business days from receipt of a request. If applicable laws or regulations prohibit the provision of the
information, the Third Party Agent must note the exception when the original request is submitted.

ID# 0025912 Edition: Oct 2024 | Last Updated: Oct 2014

10.2.2.11 Prohibition of Third Party Agents from Providing Services

Interlink may permanently prohibit a Third Party Agent and its principals from providing Interlink
Network services for good cause, such as:
l Fraudulent activity
l Activity that causes the Member to repeatedly violate the Interlink Rules
l Operating in an unsound, unsafe manner
l Any other activities that may result in undue economic hardship or damage to the goodwill of the
Interlink Network Services, if the Third Party Agent fails to take corrective action

ID# 0025918 Edition: Oct 2024 | Last Updated: Oct 2014

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10.3 Account and Transaction Information Security

10.3.1 Account, Cardholder, and Transaction Information Security

10.3.1.1 Requirement to Investigate Suspected or Confirmed Loss, Theft,

Compromise, Fraud, or Laundering
A Member must comply with the What To Do If Compromised and conduct a thorough investigation
of suspected or confirmed:
l Loss, theft, compromise, or misuse of Interlink account information, Cardholder information or
Interlink Transaction Information, systems, or equipment
l Loss, theft, compromise, or misuse of Interlink account information, Cardholder information or
Interlink Transaction Information, systems, or equipment by one of its agents or Merchants
l Fraud and/or laundering of a Transaction
After completing the investigation, the Member must demonstrate its ability to prevent future loss,
theft, compromise, or misuse of Interlink account information, Cardholder information or Interlink
Transaction Information, systems, or equipment, as specified in the Account Information Security
Program, Payment Card Industry Data Security Standard (PCI DSS), and the PIN Management
Requirements Documents.
Upon Interlink request, a Member or its agent must conduct an additional investigation in
accordance with the What To Do If Compromised, and must:
l Provide access to the premises and computer network infrastructure involved in the investigation
l Provide Interlink, its agent, and any Payment Card Industry (PCI) Forensic Investigator (PFI) or
incident response firm access to premises and all applicable records, systems, and equipment,
including, but not limited to, the following:
– Computer forensic reports
– Network diagrams
– Systems connected directly or indirectly to VisaNet or used to transmit, process, or store
account data
l Engage a Payment Card Industry (PCI) Forensic Investigator (PFI). If the Member or its agent fails to
do so, Interlink may engage an investigator to perform a forensic investigation and will assess all
investigative costs to the Member.

ID# 0007123 Edition: Oct 2024 | Last Updated: Oct 2023

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10.3.1.2 Interlink Notification of Account Information Loss

Interlink will utilize appropriate procedures to notify an Interlink Member of a loss or theft of personal
information related to the Interlink Member’s Interlink Account information, as required by
applicable laws or regulations or in respect of Canadian Members, whenever there is unauthorized
access to, or collection, use or disclosure of personal information where the breach raises a risk of
harm.

ID# 0030392 Edition: Oct 2024 | Last Updated: Apr 2018

10.3.1.3 Compromise at Member’s Contractors or Agents

A Member must implement policies and procedures requiring its contractors or Agents to notify the
Member if the contractor or Agent experiences a security breach or reasonably believes that
Cardholder information was compromised as a result of that breach.

ID# 0001799 Edition: Oct 2024 | Last Updated: Apr 2023

10.3.2 Confidential Consumer Cardholder Information

10.3.2.1 Interlink Safeguards for Confidential Consumer Cardholder Information

Interlink Network, Inc. and its subsidiaries and affiliates will restrict access to Confidential Consumer
Cardholder Information to those employees, including employees of its subsidiaries and affiliates,
who Interlink or its subsidiaries and affiliates have determined need to know such information to
provide products and services to Members.
Interlink Network, Inc. and its subsidiaries and affiliates will maintain physical, electronic, and
procedural safeguards that are designed to:
l Maintain the security and confidentiality of Confidential Consumer Cardholder Information
l Protect against anticipated threats or hazards to the security or integrity of Confidential Consumer
Cardholder Information
l Prevent unauthorized access to, or use of, such Confidential Consumer Cardholder Information
Interlink Network, Inc. and its subsidiaries and affiliates shall adopt policies and procedures and
provide to Members appropriate reviews and reports to enable Members to monitor Interlink and its
subsidiaries’ and affiliates’ compliance with these commitments.
Interlink will notify a Member in the event that Interlink reasonably believes that Confidential
Consumer Cardholder Information about a Member’s customer has been compromised due to a
breach of security.

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ID# 0008003 Edition: Oct 2024 | Last Updated: Oct 2014

10.3.2.2 Destruction of Confidential Consumer Cardholder Information

Interlink will use reasonable measures designed to ensure that all Confidential Consumer Cardholder
Information is erased or destroyed, in accordance with regulatory guidelines, so as to render the
information unreadable.
A Member must implement policies and procedures designed to ensure timely disposal or
destruction of Confidential Consumer Cardholder Information, in accordance with regulatory
guidelines, in a manner that makes the information unreadable.

ID# 0008007 Edition: Oct 2024 | Last Updated: Apr 2023

10.4 Activity and Compliance Monitoring

10.4.1 Member Activity Monitoring Requirements

10.4.1.1 Acquirer Investigation of Merchant Outlet

An Acquirer must investigate a Merchant Outlet that appears on an exception report within 7
calendar days of generating the report.
If the investigation reveals Merchant involvement in illegal or fraudulent activity, the Acquirer must
do all of the following:
l Take appropriate legal action to minimize losses
l Cooperate with Issuers and law enforcement agencies
l Attempt to make the Merchant responsible for the Transaction
l Hold funds, if possible
l Initiate criminal and civil proceedings against the Merchant, if applicable

ID# 0002419 Edition: Oct 2024 | Last Updated: Oct 2023

10.4.2 Dispute Monitoring

10.4.2.1 Visa Fraud Dispute Monitoring Program (VFDMP)

Visa will monitor Merchant Outlet data submitted as supporting documentation/certification of
meeting the criteria to identify first-party Transactions, as specified in Section 11.7.3.6, Dispute

19 October 2024 Visa Public 218

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Condition 10.4: Other Fraud – Card-Absent Environment – Pre-Arbitration Processing Requirements, in

order to receive dispute protection. If Visa determines a Merchant is falsifying data for submission to
gain protection, both of the following will apply:
l Visa will contact the Acquirer, Merchant, or service provider and notify them of the Merchant’s
violation of the Visa Rules
l The Merchant will no longer be able to utilize Dispute Condition 10.4: Other Fraud – Card-Absent
Environment – Pre-Arbitration Processing Requirements for the same Payment Credential used in 2
previous Transactions that the Issuer did not report as Fraud Activity to Visa and was processed
more than 120 calendar days,1,2 until the Acquirer, Merchant, or service provider confirms in writing
to Visa that the underlying activities are corrected
1
The 120 calendar days does not apply if the other undisputed Transactions were Original Credit Transactions.
2
Not to exceed 365 calendar days prior to the Processing Date of the Dispute.

ID# 0031010 Edition: Oct 2024 | Last Updated: Oct 2023

10.4.3 Merchant Fraud Monitoring

10.4.3.1 Card-Absent Merchant Requirement to Validate Cardholder Approval

An Acquirer must ensure that its Card-Absent Environment Merchant1 sets daily limits after which the
Merchant must perform additional verification to confirm that the Cardholder approves continued
spend. These limits must be appropriate for the Merchant business but must not exceed 25
Transactions in one day.
1
Limited to processing qualified Card-Absent Interlink Transactions.

ID# 0030641 Edition: Oct 2024 | Last Updated: Apr 2023

10.4.4 High-Integrity Risk Activity

10.4.4.1 High-Integrity Risk Merchants

Interlink classifies a Merchant1 required to use MCCs for a High-Integrity Risk Merchant as specified
in the Visa Integrity Risk Program Guide.
1
For a Card-Absent Environment Merchant or Transaction, the requirements apply only to a qualified Card-Absent Interlink
Transaction.

ID# 0008137 Edition: Oct 2024 | Last Updated: Apr 2023

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10.4.4.2 Acquirer Monitoring of Payment Facilitators and High-Integrity Risk

Merchants
For a High-Integrity Risk Payment Facilitator or High-Integrity Risk Merchant, an Acquirer must do all
of the following:1
l Retain at least the following daily data:
– Gross sales volume
– Average Transaction amount
– Number of Transaction Receipts
– Number of Disputes
l Collect the data over a period of at least one month, beginning after each Merchant’s initial
Deposit
l Use the data to determine the Merchant’s normal daily activity of the categories specified in this
section
l Begin the daily monitoring of the Merchant’s activity processed on the 31st calendar day from the
first Deposit
l Compare current related data to the normal daily activity parameters at least daily
l Review the Merchant’s normal daily activity at least weekly, using the previous week’s activity
l At least monthly, adjust the Merchant’s normal daily activity, using the previous month’s activity
Upon Interlink request, an Acquirer must provide all of the following within 7 calendar days to
demonstrate compliance with High-Integrity Risk Merchant monitoring standards:
l Original Merchant underwriting package
l Copies of actual reports or records used to monitor the Merchant’s Deposits
l Any other data requested by Interlink
1
For Card-Absent Environment Transactions, the requirements apply to qualified Card-Absent Interlink Transactions.

ID# 0026340 Edition: Oct 2024 | Last Updated: Apr 2023

10.4.4.3 Merchant Disqualification from the Interlink Program

Interlink may disqualify a Merchant specified in Section 10.4.4.1, High-Integrity Risk Merchants, from
participating in the Interlink Program if the Merchant does any of the following:

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l Meets or exceeds a critical level of Dispute activity

l Acts with the intent to circumvent Interlink programs
l Causes harm to the Interlink system
Interlink will send a Notification to the Acquirer advising all of the following:
l The date the Acquirer must stop submitting the disqualified Merchant’s Transactions
l Reasons for the disqualification
l Notice of the right to appeal
The Acquirer may appeal the disqualification as follows:
l The Acquirer’s appeal letter must be received by Interlink within 15 days of the Acquirer’s receipt of
the disqualification Notification.
l The Acquirer must pay a non-refundable fee and include it with the appeal letter.
l The evidence and arguments for the appeal must be submitted in the appeal letter.
l No oral presentations are permitted.

ID# 0005865 Edition: Oct 2024 | Last Updated: Apr 2023

10.4.5 High-Integrity Risk Payment Facilitator Requirements

10.4.5.1 High-Integrity Risk Payment Facilitator Agreement

An Acquirer must ensure that a High-Integrity Risk Payment Facilitator Agreement requires both:1
l That the High-Integrity Risk Sponsored Merchant Agreement be signed by a senior officer of the
High-Integrity Risk Payment Facilitator
l The High-Integrity Risk Payment Facilitator1 to report both:
– Acquisition of new High-Integrity Risk Sponsored Merchants
– Monthly Transaction activity for all High-Integrity Risk Sponsored Merchants.
1
The requirements apply in connection with qualified Card-Absent Interlink Transactions.

ID# 0026332 Edition: Oct 2024 | Last Updated: Apr 2023

10.4.5.2 Interlink Right to Prohibit or Disqualify Sponsored Merchants

Interlink may require an Acquirer to directly contract with a Sponsored Merchant if the Sponsored
Merchant either:1

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l Generates or has a history of generating excessive levels of exception items (Disputes and/or
credits) within a 12-month period
l Takes action to evade responsibility for compliance with the Interlink Rules
Effective through 31 March 2025 Interlink may disqualify a High-Integrity Risk Payment Facilitator or
High-Integrity Risk Sponsored Merchant for any activity that causes undue harm to the Interlink
system.
1
For Card-Absent Environment Transactions, the requirements apply in connection with qualified Card-Absent Interlink
Transactions.

ID# 0008667 Edition: Oct 2024 | Last Updated: Oct 2024

10.5 Integrity Risk

10.5.1 Visa Integrity Risk

10.5.1.1 Visa Integrity Risk Program Data Quality

Effective through 19 July 2024 To enable the valid identification of data for the Visa Integrity Risk
Program, an Acquirer must correctly classify its High-Integrity Risk Merchants.
Effective through 19 July 2024 If Interlink determines that an Acquirer or its Merchant changed,
modified, or altered the Merchant name or Merchant data in any way to circumvent the Visa Integrity
Risk Program, Interlink may:
l Assess a non-compliance assessment
l Require the Acquirer to implement risk reduction measures
l Prohibit the Acquirer from acquiring High-Brand Risk Merchants for a period of one year or more

ID# 0026335 Edition: Oct 2024 | Last Updated: Oct 2024

10.6 Account Data Compromise

10.6.1 Global Compromised Account Recovery (GCAR) Program

10.6.1.1 Global Compromised Account Recovery (GCAR) Program Qualification

An Issuer may recover a portion of its operating expenses associated with an Account Data
Compromise Event involving a compromise of a Visa Branded Chip Card of either:

19 October 2024 Visa Public 222

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l In a Card-Absent Environment, a Chip Card’s Account Number and expiration date

l In a Card-Present Environment, a Chip Card’s Account Number and Card Verification Value
Interlink has the authority and discretion to determine Account Data Compromise Event qualification,
Operating Expense Recovery amounts, Issuer eligibility, and Acquirer liability under the GCAR
program, in accordance with the Visa Global Compromised Account Recovery (GCAR) Guide and the
available information regarding each compromise event.

ID# 0026564 Edition: Oct 2024 | Last Updated: Apr 2023

10.7 PIN Security Requirements

10.7.1 PIN Requirements

10.7.1.1 Interlink PIN Security Requirements

An Interlink Issuer and its Agent, or an Acquirer, its Merchant or Agent that processes PINs for
Interlink Transactions must do all of the following:
l Comply with the security requirements specified in the PIN Management Requirements
Documents
l Use the Data Encryption Standards defined in American National Standards Institute X3.92-1981
for encrypting and decrypting binary coded data
l Implement cryptography for its PIN management operations

ID# 0027086 Edition: Oct 2024 | Last Updated: Oct 2023

10.8 Terminated Merchants

10.8.1 Retention of Merchant Records

An Acquirer or a Payment Facilitator must keep a complete, well-documented file containing
Merchant records, including any information connected to an investigation, for at least 2 years after
Merchant Agreement termination.
An Acquirer or a Payment Facilitator of a Merchant or Sponsored Merchant that is undergoing a
forensic investigation must also notify Interlink when it receives notice or otherwise becomes aware
that the Merchant has terminated its Merchant Agreement.

ID# 0008474 Edition: Oct 2024 | Last Updated: Apr 2023

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10.8.2 Required Use of Terminated Merchant Database

10.8.2.1 Terminated Merchant File Listing Requirements

An Acquirer must add a terminated Merchant to the Terminated Merchant File no later than close of
business on the day following the date the Merchant is notified of the intent to terminate the
agreement. If the Terminated Merchant File has been updated in connection with a Visa Merchant, a
separate updated file for the same Interlink Merchant is not required.
An Acquirer must list the Merchant if terminated for one or more of the following reasons:
l The Merchant was convicted of debit card fraud.
l The Merchant deposited excessive Counterfeit Transactions.
l The Merchant deposited excessive Transactions unauthorized by Cardholders.
l The Merchant deposited Transaction Receipts representing sales of goods or services generated by
another Merchant (laundering).
l The Acquirer received an excessive number of Disputes due to the Merchant’s business practices or
procedures.
l Effective 1 April 2025 The Merchant was identified by the Visa Integrity Risk Program reports.

ID# 0007386 Edition: Oct 2024 | Last Updated: Oct 2024

10.8.2.2 Terminated Merchant File Information Requirements

An Acquirer must add a Merchant to the Terminated Merchant File within 24 hours of determining
that:
l The Merchant was terminated for reasons other than those listed in Section 10.8.2.1, Terminated
Merchant File Listing Requirements
l Within 90 calendar days of the termination date, the Acquirer determines that the Merchant should
have qualified for the listing
The Merchant listing must include both the:
l Business name
l Names and identification of principals of terminated Merchants
The Acquirer must report terminated Merchants, as specified.

ID# 0007969 Edition: Oct 2024 | Last Updated: Apr 2023

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10.8.2.3 Terminated Merchant File Compliance

A Member that fails to comply with the Terminated Merchant File requirements may be subject to
Compliance, including liability for losses incurred by another Member as a result of the failure to
comply.

ID# 0008174 Edition: Oct 2024 | Last Updated: Apr 2023

10.8.2.4 Deletion from or Correction Request for Terminated Merchant File

Only the Member that added the Merchant to the Terminated Merchant File may request deletion of
the Merchant name or information.
A Member that incorrectly adds a Merchant to the file must request correction of the file immediately
upon recognition of an error.

ID# 0007963 Edition: Oct 2024 | Last Updated: Apr 2023

10.9 Visa Risk Products

10.9.1 Address Verification Service (AVS)

10.9.1.1 Address Verification Service (AVS) Eligible Transactions

A Merchant may use the Address Verification Service (AVS) for a qualified Card-Absent Interlink
Transaction.

ID# 0029279 Edition: Oct 2024 | Last Updated: Apr 2023

10.9.1.2 Address Verification Service (AVS) Issuer Requirements

Effective through 18 October 2024 An Interlink Issuer that has enabled routing of qualified Card-
Absent Interlink Transactions must both:
l Participate in the Address Verification Service (AVS)
l Perform address verification for each AVS inquiry
Effective 19 October 2024 An Interlink Issuer that has enabled routing of Card-Absent Interlink
Transactions must do all of the following:
l Participate in the Address Verification Service (AVS)
l Perform address verification for each AVS inquiry

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l Verify postal code (or country equivalent) for Visa Regions where postcodes (or country
equivalents) are in use, and may optionally verify street address
l Provide a result code in the Authorization Response to indicate the AVS match result
l Verify the address, either itself or using VisaNet or its processer.
Effective 12 April 2025 An Issuer must do all of the following:
l Participate in the Address Verification Service (AVS)
l Perform address verification for each AVS inquiry
l Verify postal code (or country equivalent) for Visa Regions where postcodes (or country
equivalents) are in use, and may optionally verify street address
l Provide a result code in the Authorization Response to indicate the AVS match result
l Verify the address, either itself or using VisaNet or its processer.

ID# 0004679 Edition: Oct 2024 | Last Updated: Apr 2024

10.9.1.3 Address Verification Service (AVS) Acquirer Requirements

Effective through 11 April 2025 An Acquirer of a Merchant that uses the Address Verification Service
(AVS) must do all of the following:
l Send and receive address verification fields in Authorization Requests and Account Verification
requests
l Process all AVS response codes correctly
l Support AVS itself or use VisaNet APIs
Effective 12 April 2025 An Acquirer must do all of the following:
l Send and receive, and ensure that its Merchant is able to send and receive, a response to all
Authorization Requests and Account Verification requests containing AVS
l Process all AVS response codes correctly
l Support AVS itself or use VisaNet APIs

ID# 0031044 Edition: Oct 2024 | Last Updated: Apr 2024

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10.9.2 Card Verification Value (CVV) and Card Verification Value 2 (CVV2)

10.9.2.1 Card Verification Value Issuer Requirements

The Card Verification Value encoded on the Card’s Magnetic Stripe must differ from the Integrated
Circuit Card Verification Value (iCVV) contained in the Magnetic-Stripe Image (track 2 equivalent
data) on the Chip.
For Card-Present Environment Transactions, an Issuer must do all of the following:
l Receive and process the Card Verification Value (CVV) for Magnetic-Stripe Transactions
l Provide a CVV result code in the Authorization Response to indicate whether the validation passed
or failed
l Use Chip Card Verification Value-iCVV as part of the Magnetic Stripe Image for all EMV Chip Cards
issued on or after 1 January 2009
An Issuer may verify the CVV itself, or may use its processor.

ID# 0008133 Edition: Oct 2024 | Last Updated: Apr 2024

10.9.2.2 Card Verification Value (CVV) Acquirer Requirements – US Region

In the US Region: An Acquirer must be certified as able to send and receive responses to
Authorization Requests containing the Card Verification Value.

ID# 0030391 Edition: Oct 2024 | Last Updated: Apr 2018

10.9.2.3 Card Verification Value 2 (CVV2) Issuer Processing Requirements

For Card-Absent Environment Transactions, an Issuer must do all of the following:
l Process the Card Verification Value 2 (CVV2), when present
l Provide a CVV2 result code in the Authorization Response to indicate whether the validation
passed or failed
l Verify the CVV2 itself, or use its processor
l Be certified by Visa for CVV2 processing

ID# 0031045 Edition: Oct 2024 | Last Updated: Apr 2024

10.9.2.4 Card Verification Value (CVV) – Acquirer Processing Requirements

An Acquirer of Card-Present Environment Transactions must both:

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l Provide complete, unaltered Magnetic-Stripe Data (from the Magnetic Stripe or the Chip) in
Authorization Requests and full financial messages
l Process all Card Verification Value (CVV) result codes correctly and include them in the Clearing
Records

ID# 0031046 Edition: Oct 2024 | Last Updated: Apr 2024

10.9.2.5 Card Verification Value 2 (CVV2) – Acquirer Processing Requirements

An Acquirer of Card-Absent Environment Transactions must be able to both:
l Send and receive, and ensure that its Merchant is able to send and receive, responses to
Authorization Requests and Account Verification requests containing Card Verification Value 2
(CVV2)
l Correctly process all CVV2 result codes and include them in the Clearing Record

ID# 0030124 Edition: Oct 2024 | Last Updated: Apr 2024

10.10 Advanced Authorization

10.10.1 Visa Advanced Authorization

10.10.1.1 Visa Advanced Authorization Participation

To implement Visa Advanced Authorization,1 an Issuer and its processor must comply with the
certification requirements for Visa Advanced Authorization.
Visa Advanced Authorization data is provided to all Issuers, and an Issuer is responsible for Visa
Advanced Authorization fees, regardless of whether or not the Issuer uses the data.
1
A real-time risk management tool that delivers risk data to Issuers in the Authorization Request to aid early fraud
detection.

ID# 0008446 Edition: Oct 2024 | Last Updated: Apr 2024

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10.11 Transaction Alerts

10.11.1 Transaction Alerts Requirements

10.11.1.1 Requirement to Offer a Transaction Alerts Service

An Issuer must provide its Cardholders the option to participate in a service that delivers Transaction
alerts for Interlink Transactions processed on a Visa consumer Card, excluding a Visa Non-Reloadable
Prepaid Card routed through the Interlink Network.
The Issuer may offer this service either itself, through a VisaNet Processor, a third-party service
provider, or through any Visa service that offers Transaction alerts.

ID# 0025735 Edition: Oct 2024 | Last Updated: Oct 2020

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11 Dispute Resolution

11.1 Responsibilities for Dispute Resolution

11.1.1 Mutual Assistance Between Members

An Interlink Member must attempt to offer mutual assistance to other Interlink Members to resolve
disputes between both:
l Its Cardholder and another Interlink Member’s Merchant
l Its Merchant and another Interlink Member’s Cardholder
If a Cardholder or Merchant accepts financial liability for a Transaction, its Member must reimburse
the other Member directly.

ID# 0030207 Edition: Oct 2024 | Last Updated: Apr 2018

11.1.2 Issuer Responsibilities to Cardholders for Dispute Resolution

An Issuer must resolve Cardholder disputes under the Interlink Rules by extending to Cardholders all
protections provided for an Interlink Transaction under applicable laws or regulations and by utilizing
the Issuer’s customary practices to resolve Cardholder disputes.
The foregoing applies to Transactions processed through the Interlink Network.
An Issuer must not process invalid Disputes and must conduct an adequate due diligence review of
the Dispute to ensure compliance with the Interlink Rules.

ID# 0030208 Edition: Oct 2024 | Last Updated: Apr 2023

11.1.3 Interlink Right to Grant Exceptions to Dispute Processing Requirements

If an Interlink Member misses a deadline or does not submit documentation electronically because of
Visa back office service platform failure, Interlink may negate the impact by granting an exception to
Interlink dispute processing deadlines or documentation requirements.
A Member must submit its inquiry to Visa within 15 calendar days from the date of the Visa back
office service platform failure.

ID# 0030209 Edition: Oct 2024 | Last Updated: Apr 2019

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11.2 Dispute Resolution General Requirements

11.2.1 Dispute Resolution Process General Requirements

For the purpose of calculating a dispute-related timeframe or time limit, the Processing Date of the
preceding event (Transaction, Dispute, Dispute Response, pre-Arbitration attempt, Arbitration, or
Compliance) is not counted as one day.
An Issuer must not initiate a Dispute for the same Transaction more than once.
An Acquirer must not do either of the following:
l Process a Transaction as a first Presentment if the Issuer has previously submitted a Dispute for the
same Transaction
l Respond more than once to the original Dispute
If a Member does not respond through Visa Resolve Online (VROL) within the specified timeframe for
an action,1 or accepts responsibility for the Dispute, the Dispute cycle will be considered closed and
that Member will be responsible for last amount received by the opposing Member.
A Member may submit Dispute financials as follows:
l Allow VROL to submit the Dispute financial on its behalf
l Process the Dispute financials through VisaNet
VROL validates all financials whether submitted directly to VisaNet or via VROL. A Member that
submits Dispute financials directly to VisaNet must process the Dispute financial on the same day as a
Dispute action (Dispute, Dispute Response, pre-Arbitration acceptance, Compliance acceptance) was
submitted on VROL.
A Member must not submit a Fee Collection Transaction for an acceptance of a Dispute, including a
reversal of a Dispute financial.
1
This also applies when the Member does not respond to a pre-Compliance attempt.

ID# 0030211 Edition: Oct 2024 | Last Updated: Oct 2024

11.2.2 Dispute Resolution Process – Applicability of US Regional Rules

An Interlink Member in a country that participates in Dispute Resolution must process a dispute
according to the requirements in this document for Domestic Transactions and for International
Transactions involving an Interlink Member in another participating country.
A Transaction is considered to take place within the US Region if it occurs at a US military base or US
embassy or consulate outside the US and is both:

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l Deposited with a US Member by the US government

l Completed with a Card issued by a US Member governed by these rules

ID# 0030657 Edition: Oct 2024 | Last Updated: Oct 2021

11.2.3 Dispute Resolution Process – Dispute Category 10 (Fraud)

A Member must comply with the following table to process Disputes under Dispute category 10
(Fraud).

Table 11-1: Dispute Resolution Process Steps – Category 10 (Fraud)

Dispute Process Description

Stage

Dispute After receiving a Presentment, an Issuer may initiate a Dispute only if all applicable
conditions for Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud are met.
Time limit:
If a credit was processed before the Dispute, the Issuer must either:
120 calendar days
l Apply the credit(s) to the disputed Transaction
l Provide the Transaction Identifier(s) or Acquirer Reference Number(s) and the
Transaction Date that the credit(s) was applied to and why the credit(s) does not
resolve the Dispute

Pre-Arbitration In response to a Dispute, the Acquirer may make a pre-Arbitration attempt for Dispute
Attempt Condition 10.1: EMV Liability Shift Counterfeit Fraud.

Time limit: This does not apply if the Merchant accepted the Dispute through Rapid Dispute
Resolution.
30 calendar days
from the Dispute
Processing Date

Pre-Arbitration An Issuer may respond to the pre-Arbitration attempt as follows:

Response
l The Issuer may accept financial responsibility.
Time limit: l The Issuer may decline the pre-Arbitration attempt if either:
30 calendar days – The Acquirer provided either:
from the
Processing Date ▪ Compelling Evidence, as specified in Section 11.5.2, Use of Compelling Evidence
of the pre- ▪ Evidence that the Cardholder no longer disputes the Transaction
Arbitration
attempt – The Issuer provides new documentation or information about the Dispute.

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Table 11-1: Dispute Resolution Process Steps – Category 10 (Fraud) (continued)

Dispute Process Description

Stage

If the Acquirer has supplied Compelling Evidence with its pre-Arbitration attempt, the
Issuer must certify that either:
l The contact information provided (for example: first name. last name, telephone
number, or email address) does not match the Cardholder’s information in its records.

l The Issuer has contacted the Cardholder to review the Compelling Evidence and
provide an explanation of why the Cardholder continues to dispute the Transaction.

Effective for pre-Arbitration attempts processed on or after 19 October 2024 If the

Acquirer has supplied Compelling Evidence to support the merchandise was delivered to
the same physical address for which the Merchant received an Address Verification
Service (AVS) match of Y, provide an explanation of why AVS result code of Y was
provided.

Arbitration The Acquirer may file for Arbitration when either:

Time limit: l The Dispute and Pre-Arbitration cycle has been completed and the Member has not
been able to resolve the Dispute.
10 calendar days
from the l The opposing Issuer has not met the requirements specified in the Interlink Rules.
Processing Date
of the pre-
Arbitration
response

ID# 0030212 Edition: Oct 2024 | Last Updated: Oct 2024

11.2.4 Dispute Resolution Process – Dispute Category 12 (Processing Errors) and 13

(Consumer Disputes)
A Member must comply with the following table for processing Disputes under Dispute category 12
(Processing Errors) and Dispute category 13 (Consumer Disputes) and related activity.

19 October 2024 Visa Public 233

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Table 11-2: Dispute Resolution Process Steps – Category 12 (Processing Errors) and Category 13 (Consumer
Disputes)

Dispute Process Description

Stage

Dispute After receiving a Presentment, an Issuer may initiate a Dispute only if all applicable
conditions for the applicable Dispute condition are met.
Time limit:
If a credit was processed before the Dispute, the Issuer must either:
See Dispute
condition l Apply the credit(s) to the disputed Transaction
l Provide the Transaction Identifier(s) or Acquirer Reference Number(s) and the
Transaction Date that the credit(s) was applied to and why the credit(s) does not
resolve the Dispute

Dispute Response The Acquirer may initiate a Dispute Response as specified under the applicable
Dispute condition.
Time limit:
This does not apply if the Merchant accepted the Dispute through Rapid Dispute
30 calendar days
Resolution.
from the Dispute
Processing Date

Pre-Arbitration A pre-Arbitration attempt is the stage of the Dispute cycle that the Issuer must
Attempt address information or evidence provided by the Acquirer in the Dispute Response
(see applicable dispute condition for examples).
Time limit:
After receipt of a Dispute Response, the Issuer may make a pre-Arbitration attempt
30 calendar days
for any of the following reasons:
from the Dispute
Response l The Issuer can provide new documentation or information to the Acquirer about
Processing Date the Dispute.
l The Issuer changes the Dispute condition after receiving the Dispute Response. The
Issuer may change it only if the original Dispute condition was valid and if it meets
a new Dispute condition based on the new information or documentation provided
by the Acquirer in its Dispute Response.
l If the Acquirer provided evidence that the Cardholder no longer disputes the
Transaction, the Issuer certifies that the Cardholder still disputes the Transaction.

Pre-Arbitration An Acquirer may respond to the pre-Arbitration attempt as follows:

Response
l The Acquirer may accept financial responsibility.
Time limit: l The Acquirer may decline the pre-Arbitration attempt.
30 calendar days

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Table 11-2: Dispute Resolution Process Steps – Category 12 (Processing Errors) and Category 13 (Consumer
Disputes) (continued)

Dispute Process Description

Stage

from the Processing

Date of the pre-
Arbitration Attempt

Arbitration The Issuer may file for Arbitration when one of the following occurs:

Time limit: l The Dispute and Pre-Arbitration cycle has been completed and the Issuer has not
been able to resolve the dispute.
10 calendar days
from the Processing l The Acquirer has not met the requirements specified in the Visa Rules.
Date of the pre-
Arbitration response

ID# 0030213 Edition: Oct 2024 | Last Updated: Oct 2024

11.3 Use of Interlink Systems

11.3.1 Use of Visa/Interlink Systems for Dispute Processing

An Interlink Member must use VisaNet or Visa Resolve Online (VROL) to process a financial message
arising from a dispute (either Dispute, Dispute Response, pre-Arbitration, or pre-Arbitration
response) that has been accepted by VROL.
A Member must use VROL to do all of the following:
l Process a Dispute, Dispute Response, or Dispute reversal
l Send Dispute-related documentation or information
l Make a pre-Arbitration or pre-Compliance attempt
l Process a pre-Arbitration or pre-Compliance response
l File an Arbitration or Compliance case1
l Withdraw an Arbitration or Compliance case
l File an appeal of an Arbitration or a Compliance decision
VROL questions must be answered in English and any dispute-related documentation must be
provided in English, or accompanied by an English translation. Effective for Disputes processed on

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or after 19 October 2024 For Domestic cases where the Issuer and the Acquirer share a common
language, the English translation is only required to be presented at the filing of the Arbitration or
Compliance case.
1
A Member must not combine more than 10 disputed Transactions in the same case. The Payment Credential, Acquirer,
Merchant name, Merchant location, and Dispute condition must be the same in each Dispute.

ID# 0030214 Edition: Oct 2024 | Last Updated: Oct 2024

11.3.2 Transaction Processing Requirements

A Member must process financial messages related to Disputes as follows:

Table 11-3: Financial Message Types – Category 10 (Fraud)

Dispute Process Stage Transaction Type

Dispute The Issuer must process a Dispute Financial for the Dispute amount.

Pre-arbitration Acceptance The Issuer must process a Dispute Financial Reversal on the same
Processing Date as the Pre-arbitration acceptance.

Table 11-4: Financial Message Types – Category 12 (Processing Errors) and Category 13 (Consumer Disputes)

Dispute Process Stage Transaction Type

Dispute The Issuer must process a Dispute Financial for the Dispute amount.

Dispute Response The Acquirer must process a Dispute Financial Response.

Pre-arbitration Acceptance The Acquirer must process a Dispute Financial Response Reversal.

ID# 0030215 Edition: Oct 2024 | Last Updated: Apr 2018

11.3.3 Reversal of a Dispute

If the opposing Member has not already moved to the next stage of the Dispute cycle and neither
Member has accepted financial liability, a Member may reverse an action (a Dispute, a Dispute
Response, a pre-Arbitration attempt, or a response to a pre-Arbitration attempt) no later than 31
calendar days after the Processing Date of that action.2
A Member must not submit a Fee Collection Transaction as a financial message arising from a
Dispute (either Dispute, Dispute Response, pre-Arbitration, or pre-Arbitration response) or for an
acceptance of a Dispute.

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1
One calendar day for a Dispute involving an Original Credit Transaction
2
The 3 calendar days timeframe does not apply if the Cardholder has contacted the Issuer to confirm that they no longer
dispute the Transaction

ID# 0030216 Edition: Oct 2024 | Last Updated: Oct 2024

11.4 Dispute Amount

11.4.1 Dispute and Dispute Response Amount General Requirements

The Dispute amount (specified in the Billing Currency) must be either:
l The actual billed amount
l The Partial Transaction amount equal to the disputed amount
The Dispute amount must not exceed the Transaction amount except for Dispute condition 12.2
(Incorrect Transaction Code) where a debit was processed as a credit or a credit was processed as a
debit.
The amount contained in a Dispute Response or a pre-Arbitration attempt made by an Acquirer must
contain one of the following:
l The same amount in the same Transaction Currency as in the original Presentment
l A partial amount to remedy the Dispute
l The same or corrected amount in the Settlement Currency as received by the Acquirer for the
Dispute

ID# 0030217 Edition: Oct 2024 | Last Updated: Apr 2018

11.4.2 Currency Conversion Difference

The party that is assigned or accepts final liability for a Dispute is responsible for the difference
between the original Transaction amount and the final Dispute amount that may be caused by
currency conversion.

ID# 0030218 Edition: Oct 2024 | Last Updated: Apr 2021

11.4.3 Minimum Dispute Amounts

Minimum Dispute amounts apply as follows:

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Table 11-5: Minimum Dispute Amount

Transaction Type Applicable Dispute Condition Minimum Dispute

Amount

T&E All except the following Dispute conditions: USD 25

l 10.1 (EMV Liability Shift Counterfeit Fraud)
l 13.8 (Original Credit Transaction)

ID# 0030219 Edition: Oct 2024 | Last Updated: Oct 2023

11.5 Dispute Rights and Restrictions

11.5.1 Prohibition of Multiple Transactions in a Dispute

An Issuer must dispute each Transaction separately.

ID# 0030220 Edition: Oct 2024 | Last Updated: Apr 2018

11.5.2 Use of Compelling Evidence

An Acquirer must not process an invalid pre-Arbitration and must conduct an adequate due diligence
review of the pre-Arbitration to ensure compliance with the Interlink Rules.
An Acquirer may submit Compelling Evidence with a pre-Arbitration attempt, as follows:

Table 11-6: Allowable Compelling Evidence

Item # Allowable Compelling Evidence Applicable Dispute Condition

10.1 (EMV 10.4 (Other

Liability Shift Fraud – Card-
Counterfeit Absent
1
Fraud) Environment)

1 Photographic or email evidence to prove a link between the X

person receiving the merchandise or services and the
Cardholder, or to prove that the Cardholder disputing the
Transaction is in possession of the merchandise and/or is using
the merchandise or services.

19 October 2024 Visa Public 238

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Table 11-6: Allowable Compelling Evidence (continued)

Item # Allowable Compelling Evidence Applicable Dispute Condition

10.1 (EMV 10.4 (Other

Liability Shift Fraud – Card-
Counterfeit Absent
1
Fraud) Environment)

2 For a Card-Absent Environment Transaction in which the X

merchandise is collected from the Merchant location, any of
the following:
l Cardholder signature on the pick-up form
l Copy of identification presented by the Cardholder
l Details of identification presented by the Cardholder

3 For a Card-Absent Environment Transaction in which the X

merchandise is delivered, evidence that the item was delivered
to the same physical address for which the Merchant received
an AVS match of Y or M. A signature is not required as
evidence of delivery.

4 For an Electronic Commerce Transaction representing the sale X

of digital goods downloaded from a Merchant’s website or
application, description of the merchandise or services
successfully downloaded, the date and time such merchandise
or services were downloaded, and 2 or more of the following:
l Purchaser’s IP address and the device geographical location
at the date and time of the Transaction
l Device ID number and name of device (if available)
l Purchaser’s name and email address linked to the customer
profile held by the Merchant
l Evidence that the profile set up by the purchaser on the
Merchant’s website or application was accessed by the
purchaser and has been successfully verified by the
Merchant before the Transaction Date
l Evidence that the Merchant’s website or application was
accessed by the Cardholder for merchandise or services on
or after the Transaction Date

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Table 11-6: Allowable Compelling Evidence (continued)

Item # Allowable Compelling Evidence Applicable Dispute Condition

10.1 (EMV 10.4 (Other

Liability Shift Fraud – Card-
Counterfeit Absent
1
Fraud) Environment)

l Evidence that the same device and Card used in the

disputed Transaction were used in any previous Transaction
that was not disputed

5 For a Transaction in which merchandise was delivered to a X

business address, evidence that the merchandise was delivered
and that, at the time of delivery, the Cardholder was working
for the company at that address. A signature is not required as
evidence of delivery.

6 For a Mail/Phone Order Transaction, a signed order form X

7 For a passenger transport Transaction, evidence that the X

services were provided and any of the following:
l Evidence that the ticket was received at the Cardholder’s
billing address
l Evidence that the ticket or boarding pass was scanned at the
gate
l Details of frequent flyer miles relating to the disputed
Transaction that were earned or redeemed, including
address and telephone number, that establish a link to the
Cardholder
l Evidence of any of the following additional Transactions
related to the original Transaction: purchase of seat
upgrades, payment for extra baggage, or purchases made
on board the passenger transport

8 For a T&E Transaction, evidence that the services were X

provided and either:
l Details of loyalty program rewards earned and/or redeemed
including address and telephone number that establish a
link to the Cardholder

19 October 2024 Visa Public 240

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Table 11-6: Allowable Compelling Evidence (continued)

Item # Allowable Compelling Evidence Applicable Dispute Condition

10.1 (EMV 10.4 (Other

Liability Shift Fraud – Card-
Counterfeit Absent
1
Fraud) Environment)

l Evidence that an additional Transaction or Transactions

related to the original Transaction, such as the purchase of
T&E service upgrades or subsequent purchases made
throughout the T&E service period, were not disputed

9 For a Card-Absent Environment Transaction or effective for X

pre-Arbitration attempts processed on or after 19 October
2024 an Original Credit Transaction (OCT), evidence that 3 or
more of the following had been used in an undisputed
Transaction:
l Customer account/login ID
l Delivery address
l Device ID/device fingerprint
l Email address
l IP address
l Telephone number

10 Evidence that the Transaction was completed by a member of X

the Cardholder’s household or family

11 Evidence of one or more non-disputed payments for the same X

merchandise or service

12 For a Recurring Transaction, evidence of all of the following: X

l A legally binding contract held between the Merchant and
the Cardholder
l The Cardholder is using the merchandise or services
l A previous Transaction that was not disputed

13 For a US Domestic Card-Present Environment Transaction that X

is key-entered and did not take place at a Chip-Reading Device,

19 October 2024 Visa Public 241

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Table 11-6: Allowable Compelling Evidence (continued)

Item # Allowable Compelling Evidence Applicable Dispute Condition

10.1 (EMV 10.4 (Other

Liability Shift Fraud – Card-
Counterfeit Absent
1
Fraud) Environment)

either:
l Evidence that the same Card used in the disputed
Transaction was used in any previous or subsequent
Transaction that was not disputed
l Copy of both:
– Identification presented by the Cardholder
– Receipt, invoice, or contract with information that links to
the identification presented by the Cardholder

14 Effective 19 October 2024 For Transactions for the acquisition X

of non-fiat currency (for example: cryptocurrency) or purchase
of a non-fungible token (NFT), any of the following:
l Destination wallet address
l Blockchain transaction hash, which must be
searchable/traceable on an open source website
l Prior approved similar Transactions using the same Payment
Credential
1
Dispute Condition 10.4 (Other Fraud—Card – Absent Environment) applies only to a qualified Card-Absent Interlink
Transaction.

ID# 0030221 Edition: Oct 2024 | Last Updated: Oct 2024

11.6 Dispute Categories and Conditions

11.6.1 Dispute Categories Table Format

Information about the different Dispute categories (10, 12, and 13), and the conditions, processing
requirements, time limits, Dispute Response rights, and pre-arbitration conditions associated with
each category, is organized in a table format.

19 October 2024 Visa Public 242

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ID# 0030222 Edition: Oct 2024 | Last Updated: Apr 2018

11.7 Dispute Category 10: Fraud

11.7.1 Dispute Category 10: Cardholder Letter or Certification Requirements

If the Dispute1 requires an Issuer to provide certification on behalf of the Cardholder, the Issuer may
only certify if it obtained the Dispute information through a secure method that results in a valid
representation of the Cardholder signature, for example:
l Secure online banking: Any method used by the Cardholder that establishes their unique identity
through use of a password and/or other login identification method
l Secure telephone banking: A method where the Cardholder was identified using the same level of
security needed to complete a transfer of funds to another financial institution
Instead of an Issuer certification, an Issuer may support the Dispute with a Cardholder letter denying
authorization of or participation in a Transaction. If provided to support the Dispute, the letter must
be signed by the Cardholder and include all of the following:
l Cardholder’s complete or partial Payment Credential
l Merchant name(s)
l Transaction amount(s)
1
The requirements apply to Transactions that qualify as Card-Absent Interlink Transactions.

ID# 0030223 Edition: Oct 2024 | Last Updated: Oct 2024

11.7.2 Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud

11.7.2.1 Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Dispute
Reasons
An Issuer may initiate a Dispute under Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud
for the following reason:

Table 11-7: Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Dispute Reasons

Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud

Dispute Reasons

The Transaction qualifies for the EMV liability shift, as specified in Section 1.10.1.2, EMV Liability Shift
Participation, and all of the following:

19 October 2024 Visa Public 243

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Table 11-7: Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Dispute Reasons (continued)

Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud

Dispute Reasons

l The Transaction was completed with a Counterfeit Card in a Card-Present Environment.

l The Cardholder denies authorization of or participation in the Transaction.
l The Card is a Chip Card (first digit of the Service Code is 2 or 6).
l Either:
– The Transaction did not take place at a Chip-Reading Device (terminal entry capability code was not 5).
– The Transaction was Chip-initiated and, if the Transaction was authorized Online, the Acquirer did not
transmit the Full-Chip Data to Interlink in the Authorization Request.

ID# 0030233 Edition: Oct 2024 | Last Updated: Oct 2023

11.7.2.2 Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Dispute
Rights

Table 11-8: Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Dispute Rights

Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud

Dispute Rights

Before initiating a Dispute, an Issuer must report the Fraud Activity to Interlink using fraud type code 4
(counterfeit).

ID# 0030234 Edition: Oct 2024 | Last Updated: Oct 2024

11.7.2.3 Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Invalid
Disputes
A Dispute is invalid under Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud for any of the
following:

19 October 2024 Visa Public 244

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Table 11-9: Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Invalid Disputes

Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud

Invalid Disputes

l A Chip-initiated Transaction and the Acquirer transmitted Full-Chip Data in the Authorization Request.
l A Fallback Transaction
l A Transaction for which the Authorization record contains POS Entry Mode code 90 and the Service Code
encoded on the Magnetic Stripe does not indicate the presence of a Chip.
l A Transaction for which the Authorization Request contains the CVV but either:
– CVV verification was not performed
– The Authorization record indicates that the CVV failed verification
l A Chip-initiated Transaction was authorized offline
l A Transaction that was approved using a Payment Credential for which the Issuer had reported Fraud
Activity1
1
This does not apply if the reported fraud type was code C (merchant misrepresentation) or D (manipulation of
account holder).

ID# 0030235 Edition: Oct 2024 | Last Updated: Oct 2023

11.7.2.4 Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Dispute Time
Limit
An Issuer may initiate a Dispute under Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud
according to the following time limit:

Table 11-10: Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Dispute Time Limit

Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud

Dispute Time Limit

120 calendar days from the Transaction Processing Date

ID# 0030236 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 245

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11.7.2.5 Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Dispute
Processing Requirements
An Issuer must provide the following documentation or certification for a Dispute under Dispute
Condition 10.1: EMV Liability Shift Counterfeit Fraud:

Table 11-11: Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Dispute Processing Requirements

Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud

Supporting Documentation/Certification

All of the following:

l Certification that the Cardholder denies authorization of or participation in the Transaction
l Certification of the Card status based on Issuer investigation (for example: lost, stolen, counterfeit)
l Certification that the Card is a Chip Card

For Transactions where the original Fraud Activity was not listed as fraud type code 4 (counterfeit), an
explanation of why the change occurred.

ID# 0030237 Edition: Oct 2024 | Last Updated: Oct 2024

11.7.2.6 Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Pre-
Arbitration Processing Requirements
An Acquirer must provide the following documentation or certification for a pre-Arbitration attempt
under Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud:

Table 11-12: Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Pre-Arbitration Processing
Requirements

Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud

Supporting Documentation/Certification

Evidence of one of the following:

l A credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute.
l The Dispute is invalid.
l The Cardholder no longer disputes the Transaction.
l For a delayed charge Transaction both:
– Evidence that the Transaction relates to a prior stay, trip, or rental period (for example: a parking

19 October 2024 Visa Public 246

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Table 11-12: Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud – Pre-Arbitration Processing
Requirements (continued)

Dispute Condition 10.1: EMV Liability Shift Counterfeit Fraud

Supporting Documentation/Certification

violation that occurred during the rental)

– Evidence that an Imprint was obtained at a Chip reading device during the same stay, trip, or rental
(including any approved Authorization containing an Electronic Imprint)

ID# 0030238 Edition: Oct 2024 | Last Updated: Apr 2023

11.7.3 Dispute Condition 10.4: Other Fraud – Card-Absent Environment

11.7.3.1 Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Dispute

Reasons
An Issuer may initiate a Dispute under Dispute Condition 10.4: Other Fraud – Card-Absent
Environment for the following reason:

Table 11-13: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Dispute Reasons

Dispute Condition 10.4: Other Fraud – Card-Absent Environment

Dispute Reasons

The Cardholder denies authorization of or participation in a qualified Card Absent Interlink Transaction.

ID# 0030252 Edition: Oct 2024 | Last Updated: Apr 2023

11.7.3.2 Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Dispute

Rights

Table 11-14: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Dispute Rights

Dispute Condition 10.4: Other Fraud – Card-Absent Environment

Dispute Rights

Before initiating a Dispute, an Issuer must report the Fraud Activity to Visa.

The Dispute applies, regardless of the Electronic Commerce Indicator value, for Electronic Commerce
Transactions conducted by Merchants assigned the following MCCs:

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Table 11-14: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Dispute Rights (continued)

Dispute Condition 10.4: Other Fraud – Card-Absent Environment

Dispute Rights

l 4829 (Wire Transfer Money Orders)

l 5967 (Adult Content and Services)
l 6051 (Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency Assets [for example:
Cryptocurrency], Money Orders [not Money Transfer], Travelers Cheques, and Debt Repayment)
l 6540 (Non-Financial Institutions: Stored Value Card Purchase/Load)
l 7801 (Government Licensed On-Line Casinos [On-Line Gambling])
l 7802 (Government-Licensed Horse/Dog Racing)
l 7995 (Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race
Tracks)

ID# 0030253 Edition: Oct 2024 | Last Updated: Oct 2024

11.7.3.3 Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Invalid

Disputes
A Dispute is invalid under Dispute Condition 10.4: Other Fraud – Card-Absent Environment for any of
the following:

Table 11-15: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Invalid Disputes

Dispute Condition 10.4: Other Fraud – Card-Absent Environment

Invalid Disputes

l A Transaction that was approved using a Payment Credential for which the Issuer had reported Fraud
Activity1
l A Transaction on an Account Number for which the Issuer has initiated more than 35 Disputes2 within the
previous 120 calendar days
l A Card-Absent Environment Transaction for which both:
– The CVV2 result code in the Authorization message is U (Issuer not participating in CVV2 program).
– The CVV2 presence indicator in the Authorization Request is one of the following:
▪ 1 (CVV2 value is present)
▪ 2 (CVV2 value is on the Card but is illegible)

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Table 11-15: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Invalid Disputes (continued)

Dispute Condition 10.4: Other Fraud – Card-Absent Environment

Invalid Disputes

▪ 9 (Cardholder states CVV2 is not present on the Card)

l A Payment Credential on which the Issuer reported Fraud Activity using fraud type code 3 (fraudulent
application), C (merchant misrepresentation), or D (manipulation of account holder)
l Effective for Disputes processed on or after 19 October 2024 For a Card-Absent Interlink Transaction for
the acquisition of non-fiat currency (for example: cryptocurrency) or purchase of a non-fungible token
(NFT), if the Cardholder participated in the Transaction but subsequently claims they were deceived into
sending the non-fiat currency or NFT to a fraudulent recipient.
l The same Payment Credential (for example: Visa Account Number or Token) was used in 2 previous
Transactions that the Issuer did not report as Fraud Activity3 to Visa and was processed more than 120
calendar days,4,5 if both:
– A detailed description of the merchandise or services purchased for both the disputed Transactions and
the 2 previous Transactions is provided
– The device ID, device fingerprint, or the IP address and an additional one or more of the following in the
undisputed Transaction(s) are the same as the disputed Transaction, as applicable:
▪ Customer account or login ID must be a unique identifier that the Cardholder uses to authenticate
on the Merchant’s e-commerce site or application at the time of the Transaction, and must be a
value that the Cardholder recognizes in clear text and not hashed
▪ Full delivery address must be the Cardholder’s full shipping address, including street address, city,
state/province, and postal code (or country equivalent) and country, and must be in clear text and
not hashed
▪ Device ID must be a unique identifier of the Cardholder’s device that the Cardholder can verify, such
as a device serial number (for example: International Mobile Equipment Identity or IMEI), and must
be at least 15 characters, in clear text, and not hashed
▪ Device fingerprint must be a unique identifier of the Cardholder’s device derived from at least two
software or hardware properties of the device (such as browser version, operating system version),
and must be at least 20 characters, and may be hashed
▪ IP address must be the Cardholder’s public IP address, and must be in clear text, not hashed, and
meet current industry formats (Internet Protocol version 4 [IPV4] and Internet Protocol version 6
[IPV6])

All of the following:

l The Card Verification Value 2 (CVV2) presence indicator in the Authorization Request is 1 (CVV2 value is
present)

19 October 2024 Visa Public 249

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Table 11-15: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Invalid Disputes (continued)

Dispute Condition 10.4: Other Fraud – Card-Absent Environment

Invalid Disputes

l The CVV2 results code in the Authorization message is N (No Match)

l The Authorization Request was approved

An Airline or passenger railway Transaction, if either:

l The Issuer response to an Address Verification Service inquiry was Y and tickets were mailed to the
Cardholder billing address on the Issuer file.
l The Issuer was not a participant in the Address Verification Service on the Transaction Date.

A Transaction for which an Authorization was obtained if both:

l The Acquirer attempted to authenticate the Cardholder through the Address Verification Service
l Acquirer received an Address Verification Service Result Code U6
1
This does not apply if the reported fraud type was code C (merchant misrepresentation) or D (manipulation of
account holder).
2
Individual Transactions that contain a Multiple Clearing Sequence Number that result from the same Authorization
are treated as one Transaction toward the 35 Transaction limit.
3
If the Issuer reports Fraud Activity on the previous undisputed Transactions, the fraud reporting must be processed
and received by Visa’s fraud reporting system prior to the Processing Date of the disputed Transaction.
4
Not to exceed 365 calendar days prior to the Processing Date of the Dispute.
5
The 120 calendar days does not apply if the other undisputed Transactions were Original Credit Transactions.
6
This does not apply if the Issuer was unable to respond to an Address Verification Service Authorization Request
because the Transaction was attempted with a Visa Commercial Card or a non-reloadable Prepaid Card.

ID# 0030254 Edition: Oct 2024 | Last Updated: Oct 2024

11.7.3.4 Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Dispute

Time Limit
An Issuer may initiate a Dispute under Dispute Condition 10.4: Other Fraud – Card-Absent
Environment according to the following time limit:

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Table 11-16: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Dispute Time Limit

Dispute Condition 10.4: Other Fraud – Card-Absent Environment

Dispute Time Limit

120 calendar days from the Transaction Processing Date

ID# 0030255 Edition: Oct 2024 | Last Updated: Apr 2023

11.7.3.5 Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Dispute

Processing Requirements
An Issuer must provide the following documentation or certification for a Dispute under Dispute
Condition 10.4: Other Fraud – Card-Absent Environment:

Table 11-17: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Dispute Processing
Requirements

Dispute Condition 10.4: Other Fraud – Card-Absent Environment Supporting Documentation/Certification

Certification that the Cardholder denies authorization of or participation in the Transaction

ID# 0030256 Edition: Oct 2024 | Last Updated: Apr 2023

11.7.3.6 Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Pre-

Arbitration Processing Requirements
An Acquirer must provide the following documentation or certification for a pre-Arbitration attempt
under Dispute Condition 10.4: Other Fraud – Card-Absent Environment:

Table 11-18: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Pre-Arbitration Processing
Requirements

Dispute Condition 10.4: Other Fraud – Card-Absent Environment

Supporting Documentation/Certification

One of the following:

l Evidence that one of the following:
– A credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute.
– The Dispute is invalid.

19 October 2024 Visa Public 251

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Table 11-18: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Pre-Arbitration Processing
Requirements (continued)

Dispute Condition 10.4: Other Fraud – Card-Absent Environment

Supporting Documentation/Certification

– The Cardholder no longer disputes the Transaction.

l Compelling Evidence, as specified in Section 11.5.2, Use of Compelling Evidence
l For a delayed charge Transaction both:
– Evidence that the Transaction relates to a prior stay, trip, or rental period (for example: a parking
violation that occurred during the rental)
– Evidence that an Imprint was obtained during the same stay, trip, or rental (including any approved
Authorization containing an Electronic Imprint)
l The same Payment Credential (for example: Visa Account Number or Token) was used in 2 previous
Transactions that the Issuer did not report as Fraud Activity1 to Visa and was processed more than 120
calendar days both:2,3
– A detailed description of merchandise or services purchased for the disputed Transactions and the 2
previous Transactions
– Certification of both:
▪ Effective for Disputes processed through 18 October 2024 Date/time the merchandise or services
were provided
▪ Effective for Disputes processed on or after 19 October 2024 Date the merchandise or services
were provided
▪ The device ID, device fingerprint, or the IP address and an additional one or more of the following in
the undisputed Transaction(s) are the same as the disputed Transaction, as applicable:
▪ Customer account or login ID must be a unique identifier that the Cardholder uses to authenticate
on the Merchant’s e-commerce site or application at the time of the Transaction, and must be a
value that the Cardholder recognizes in clear text and not hashed3
▪ Full delivery address must be the Cardholder’s full shipping address, including street address, city,
state/province, and postal code (or country equivalent) and country, and must be in clear text and
not hashed3
▪ Device ID must be a unique identifier of the Cardholder’s device that the Cardholder can verify,
such as a device serial number (for example: International Mobile Equipment Identity or IMEI), and
must be at least 15 characters, and must be in clear text and not hashed3
▪ Device fingerprint must be a unique identifier of the Cardholder’s device derived from at least two
software or hardware properties of the device (such as browser version, operating system version),

19 October 2024 Visa Public 252

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Table 11-18: Dispute Condition 10.4: Other Fraud – Card-Absent Environment – Pre-Arbitration Processing
Requirements (continued)

Dispute Condition 10.4: Other Fraud – Card-Absent Environment

Supporting Documentation/Certification

and must be at least 20 characters, and may be hashed3

▪ IP address must be the Cardholder’s public IP address, and must be in clear text and not hashed,
and must meet current industry formats (IPV4 and IPV6)3
l For an Airline Transaction, evidence that the Cardholder name is included in the manifest for the departed
flight and matches the Cardholder name provided on the purchased itinerary.
1
If the Issuer reports Fraud Activity on the previous undisputed Transactions, the fraud reporting must be processed
and received by Visa’s fraud reporting system prior to the Processing Date of the disputed Transaction.
2
The 120 calendar days does not apply if the other undisputed Transactions were Original Credit Transactions.
3
Not to exceed 365 calendar days prior to the Processing Date of the Dispute

ID# 0030257 Edition: Oct 2024 | Last Updated: Oct 2024

11.8 Dispute Category 11: Authorization

11.8.1 Dispute Condition 11.3: No Authorization/Late Presentment

11.8.1.1 Dispute Condition 11.3: No Authorization/Late Presentment – Dispute

Reasons
An Issuer may initiate a Dispute under Dispute Condition 11.3: No Authorization/Late Presentment
for the following reason:

Table 11-19: Dispute Condition 11.3: No Authorization/Late Presentment – Dispute Reasons

Dispute Condition 11.3: No Authorization/Late Presentment

Dispute Reasons

The Approval Response was not obtained before the Transaction was completed

ID# 0030270 Edition: Oct 2024 | Last Updated: Apr 2024

19 October 2024 Visa Public 253

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11.8.1.2 Dispute Condition 11.3: No Authorization/Late Presentment – Dispute

Rights

Table 11-20: Dispute Condition 11.3: No Authorization/Late Presentment – Dispute Rights

Dispute Condition 11.3: No Authorization/Late Presentment

Dispute Rights

If Authorization was obtained for an amount less than the Transaction amount, the Dispute is limited to
either:
l The amount that was not authorized.
l The difference between the Transaction amount and the amount for which the Authorization was required,
as specified in Section 5.7.1.3, Estimated Authorization Request Requirements, and Section 5.7.1.4,
Incremental Authorization Request Requirements

ID# 0030271 Edition: Oct 2024 | Last Updated: Oct 2023

11.8.1.3 Dispute Condition 11.3: No Authorization/Late Presentment – Invalid

Disputes
A Dispute is invalid under Dispute Condition 11.3: No Authorization/Late Presentment for any of the
following:

Table 11-21: Dispute Condition 11.3: No Authorization/Late Presentment – Invalid Disputes

Dispute Condition 11.3: No Authorization/Late Presentment

Invalid Disputes

Where a valid Authorization was required but not obtained for a Credit Transaction with one of the following
MCCs:1
l 3000-3350 (Airlines, Air Carriers)
l 4111 (Local and Suburban Commuter Passenger Transportation, Including Ferries)
l 4112 (Passenger Railways)
l 4131 (Bus Lines)
l 4511 (Airlines and Air Carriers [Not Elsewhere Classified])
1
For Transactions completed in a Card-Absent Environment, this Dispute Condition applies only to qualified Card-
Absent Interlink Transactions.

19 October 2024 Visa Public 254

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ID# 0030272 Edition: Oct 2024 | Last Updated: Oct 2023

11.8.1.4 Dispute Condition 11.3: No Authorization/Late Presentment – Dispute Time

Limit
An Issuer may initiate a Dispute under Dispute Condition 11.3: No Authorization/Late Presentment
according to the following time limits:1

Table 11-22: Dispute Condition 11.3: No Authorization/Late Presentment – Dispute Time Limit

Dispute Condition 11.3: No Authorization/Late Presentment

Dispute Time Limit

75 calendar days from the Transaction Processing Date

For an Adjustment of an ATM Cash Disbursement or a PIN-Authenticated Visa Debit Transaction, 75 calendar
days from the Transaction Date of the Adjustment

1
For Transactions completed in a Card-Absent Environment, this Dispute Condition applies only to qualified Card-Absent
Interlink Transactions.

ID# 0030273 Edition: Oct 2024 | Last Updated: Apr 2024

11.8.1.5 Dispute Condition 11.3: No Authorization/Late Presentment –

Documentation/Certification

Table 11-23: Dispute Condition 11.3: No Authorization/Late Presentment – Documentation/Certification

Dispute Condition 11.3: No Authorization/Late Presentment – Documentation/Certification

Effective for Disputes processed on or after 19 October 2024 Certification on the Dispute Processing Date,
the Cardholder account status was flagged as one of the following:
l Credit Problem
l Closed
l Fraud1
1
Does not apply to an ATM Deposit Adjustment

ID# 0031082 Edition: Oct 2024 | Last Updated: New

19 October 2024 Visa Public 255

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

11.8.1.6 Dispute Condition 11.3: No Authorization/Late Presentment – Pre-

Arbitration Processing Requirements
An Acquirer must provide the following documentation or certification for a pre-Arbitration attempt
under Dispute Condition 11.3: No Authorization/Late Presentment:1

Table 11-24: Dispute Condition 11.3: No Authorization/Late Presentment – Pre-Arbitration Processing

Requirements

Dispute Condition 11.3: No Authorization/Late Presentment

Supporting Documentation/Certification

Both:
l Evidence of any of the following:
– A credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute.
– The Dispute is invalid.
– The Transaction Date in the Completion Message was incorrect and a valid Authorization was obtained,
as specified in Section 5.7.2.5, Transaction and Processing Timeframes
– The Transaction Receipt or other record with a Transaction Date that disproves late Presentment and
proves that the Acquirer obtained the required authorization
l For a Dispute involving special Authorization procedures where all of the following apply:
– The first Authorization Request included the Estimated Authorization Request indicator.
– Subsequent Authorization Requests included the Incremental Authorization Request indicator.
– The same Transaction Identifier was used in all Authorization Requests.
– Clearing Records were submitted within the timeframes specified in Section 5.7.2.5, Transaction and
Processing Timeframes.

Effective for Disputes processed through 18 October 2024 Both:

l The Transaction Receipt or Substitute Transaction Receipt
l Certification of all of the following:
– The date the Transaction was initiated
– The date the Transaction was completed
– The dates, authorized amounts, and Authorization Codes of the approved Authorizations

Effective for Disputes processed on or after 19 October 2024 Certification of all of the following:
l The date the Transaction was initiated

19 October 2024 Visa Public 256

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Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

Table 11-24: Dispute Condition 11.3: No Authorization/Late Presentment – Pre-Arbitration Processing

Requirements (continued)

Dispute Condition 11.3: No Authorization/Late Presentment

Supporting Documentation/Certification

l The date the Transaction was completed

l The dates, authorized amounts, and Authorization codes of the approved Authorizations
1
If initiated for Transactions completed in a Card-Absent Environment, the Dispute Condition applies only to qualified
Card-Absent Interlink Transactions.

ID# 0030274 Edition: Oct 2024 | Last Updated: Oct 2024

11.9 Dispute Category 12: Processing Errors

11.9.1 Dispute Condition 12.2: Incorrect Transaction Code

11.9.1.1 Dispute Condition 12.2: Incorrect Transaction Code – Dispute Reasons

An Issuer may initiate a Dispute under Dispute Condition 12.2: Incorrect Transaction Code for the
following reasons:

Table 11-25: Dispute Condition 12.2: Incorrect Transaction Code – Dispute Reasons

Dispute Condition 12.2: Incorrect Transaction Code

Dispute Reasons

One of the following:

l A credit was processed as a debit.
l A debit was processed as a credit.

ID# 0030280 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 257

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

11.9.1.2 Dispute Condition 12.2: Incorrect Transaction Code – Dispute Rights

Table 11-26: Dispute Condition 12.2: Incorrect Transaction Code – Dispute Rights

Dispute Condition 12.2: Incorrect Transaction Code

Dispute Rights

The Dispute amount should be double the Transaction amount if either:

l A credit was processed as a debit.
l A debit was processed as a credit.

ID# 0030281 Edition: Oct 2024 | Last Updated: Apr 2018

11.9.1.3 Dispute Condition 12.2: Incorrect Transaction Code – Dispute Time Limit
An Issuer may initiate a Dispute under Dispute Condition 12.2: Incorrect Transaction Code according
to the following time limit:

Table 11-27: Dispute Condition 12.2: Incorrect Transaction Code – Dispute Time Limit

Dispute Condition 12.2: Incorrect Transaction Code

Dispute Time Limit

120 calendar days from the Transaction Processing Date

ID# 0030282 Edition: Oct 2024 | Last Updated: Apr 2018

11.9.1.4 Dispute Condition 12.2: Incorrect Transaction Code – Dispute Processing

Requirements
An Issuer must provide the following documentation or certification for a Dispute under Dispute
Condition 12.2: Incorrect Transaction Code:

Table 11-28: Dispute Condition 12.2: Incorrect Transaction Code – Dispute Processing Requirements

Dispute Condition 12.2: Incorrect Transaction Code

Supporting Documentation/Certification

Certification that either:

l Credit was processed as a debit.

19 October 2024 Visa Public 258

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Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

Table 11-28: Dispute Condition 12.2: Incorrect Transaction Code – Dispute Processing Requirements (con-
tinued)

Dispute Condition 12.2: Incorrect Transaction Code

Supporting Documentation/Certification

l Debit was processed as a credit.

ID# 0030283 Edition: Oct 2024 | Last Updated: Apr 2018

11.9.1.5 Dispute Condition 12.2: Incorrect Transaction Code – Dispute Response

Processing Requirements
An Acquirer must provide the following documentation or certification for a Dispute Response under
Dispute Condition 12.2: Incorrect Transaction Code:

Table 11-29: Dispute Condition 12.2: Incorrect Transaction Code – Dispute Response Processing
Requirements

Dispute Condition 12.2: Incorrect Transaction Code

Supporting Documentation/Certification

For a credit processed as a debit or a debit processed as a credit, either:

l Evidence that a credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute
l Transaction Receipt or other record that proves that the Transaction code was correct

ID# 0030284 Edition: Oct 2024 | Last Updated: Apr 2018

11.9.2 Dispute Condition 12.3: Incorrect Currency

11.9.2.1 Dispute Condition 12.3: Incorrect Currency – Dispute Reasons

An Issuer may initiate a Dispute under Dispute Condition 12.3: Incorrect Currency for the following
reasons:

19 October 2024 Visa Public 259

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Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

Table 11-30: Dispute Condition 12.3: Incorrect Currency – Dispute Reasons

Dispute Condition 12.3: Incorrect Currency

Dispute Reasons

Either:
l Dynamic Currency Conversion (DCC) occurred and the Cardholder did not expressly agree to DCC.
l The Cardholder was not advised that DCC would occur or was refused the choice of paying in the
Merchant’s local currency.

ID# 0030285 Edition: Oct 2024 | Last Updated: Apr 2023

11.9.2.2 Dispute Condition 12.3: Incorrect Currency – Dispute Rights

Table 11-31: Dispute Condition 12.3: Incorrect Currency – Dispute Rights

Dispute Condition 12.3: Incorrect Currency

Dispute Rights

The Dispute applies for the entire Transaction amount.

ID# 0030286 Edition: Oct 2024 | Last Updated: Apr 2018

11.9.2.3 Dispute Condition 12.3: Incorrect Currency – Invalid Disputes

A Dispute is invalid under Dispute Condition 12.3: Incorrect Currency for the following:

Table 11-32: Dispute Condition 12.3: Incorrect Currency – Invalid Disputes

Dispute Condition 12.3: Incorrect Currency

Invalid Disputes

The Dispute is for a partial Transaction amount.

ID# 0030287 Edition: Oct 2024 | Last Updated: Apr 2019

19 October 2024 Visa Public 260

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Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

11.9.2.4 Dispute Condition 12.3: Incorrect Currency – Dispute Time Limit

An Issuer may initiate a Dispute under Dispute Condition 12.3: Incorrect Currency according to the
following time limit:

Table 11-33: Dispute Condition 12.3: Incorrect Currency – Dispute Time Limit

Dispute Condition 12.3: Incorrect Currency

Dispute Time Limit

120 calendar days from the Transaction Processing Date

ID# 0030288 Edition: Oct 2024 | Last Updated: Apr 2018

11.9.2.5 Dispute Condition 12.3: Incorrect Currency – Dispute Processing

Requirements
An Issuer must provide the following documentation or certification for a Dispute under Dispute
Condition 12.3: Incorrect Currency:

Table 11-34: Dispute Condition 12.3: Incorrect Currency – Dispute Processing Requirements

Dispute Condition 12.3: Incorrect Currency

Supporting Documentation/Certification

Issuer certification that the Cardholder did not agree to Dynamic Currency Conversion and did not make an
active choice or was refused the choice of paying in the Merchant’s local currency

ID# 0030289 Edition: Oct 2024 | Last Updated: Apr 2023

11.9.2.6 Dispute Condition 12.3: Incorrect Currency – Dispute Response Rights

Table 11-35: Dispute Condition 12.3: Incorrect Currency – Dispute Response Rights

Dispute Condition 12.3: Incorrect Currency

Supporting Documentation/Certification

For a Dynamic Currency Conversion (DCC) Transaction, if the Acquirer cannot provide evidence that the
Cardholder expressly agreed to DCC,1 it may process a Dispute Response in the Merchant’s local currency for
the Transaction amount before DCC occurred, excluding fees or commission charges directly related to DCC
that were applied to the Transaction.

19 October 2024 Visa Public 261

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Interlink Product and Service Rules
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Interlink Core Rules and Interlink Product and Service Rules

Table 11-35: Dispute Condition 12.3: Incorrect Currency – Dispute Response Rights (continued)

Dispute Condition 12.3: Incorrect Currency

Supporting Documentation/Certification
1
As specified in the DCC Guide

ID# 0030290 Edition: Oct 2024 | Last Updated: Apr 2023

11.9.2.7 Dispute Condition 12.3: Incorrect Currency – Dispute Response Processing

Requirements
An Acquirer must provide the following documentation or certification for a Dispute Response under
Dispute Condition 12.3: Incorrect Currency:

Table 11-36: Dispute Condition 12.3: Incorrect Currency – Dispute Response Processing Requirements

Dispute Condition 12.3: Incorrect Currency

Supporting Documentation/Certification

One of the following:

l Evidence that one of the following:
– A credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute.
– The Dispute is invalid.
– The Cardholder no longer disputes the Transaction.
l Transaction Receipt, as specified in Section 5.9.2.2, Required Transaction Receipt Content for All
Transactions or other record that proves that the Transaction currency was correct
l For a DCC Transaction, either:
– For a Dispute Response in the Merchant’s local currency, both:
▪ Acquirer certification that the Merchant is registered to offer DCC
▪ A copy of the Transaction Receipt, as specified in Section 5.9.2.2, Required Transaction Receipt
Content for All Transactions showing the Merchant’s local currency
– For a Dispute Response in the DCC currency, all of the following:
▪ Evidence that the Cardholder expressly agreed to DCC
▪ Acquirer certification that the Acceptance Device requires electronic selection of DCC by the
Cardholder and that the choice cannot be made by the Merchant

19 October 2024 Visa Public 262

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Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

Table 11-36: Dispute Condition 12.3: Incorrect Currency – Dispute Response Processing Requirements (con-
tinued)

Dispute Condition 12.3: Incorrect Currency

Supporting Documentation/Certification

▪ A copy of the Transaction Receipt, as specified in Section 5.9.2.2, Required Transaction Receipt
Content for All Transactions

ID# 0030291 Edition: Oct 2024 | Last Updated: Oct 2024

11.9.2.8 Dispute Condition 12.3: Incorrect Currency – Pre-Arbitration Attempt

Effective for pre-Arbitration attempts processed on or after 19 October 2024 In response to
evidence/certification provided by an Acquirer at the Dispute Response stage, an Issuer can provide
the following documentation or certification for a pre-Arbitration attempt under Dispute Condition
12.3 Incorrect Currency:

Table 11-37: Dispute Condition 12.3: Incorrect Currency – Pre-Arbitration attempt

Dispute Condition 12.3: Incorrect Currency – Pre-Arbitration Attempt Supporting

Documentation/Certification

For Dynamic Currency Conversion (DCC) Transactions, the pre-Arbitration amount is limited to the difference
between the original amount and the amount the Cardholder should have been charged.

ID# 0031083 Edition: Oct 2024 | Last Updated: New

11.9.3 Dispute Condition 12.4: Incorrect Account Number

11.9.3.1 Dispute Condition 12.4: Incorrect Account Number – Dispute Reasons

An Issuer may initiate a Dispute under Dispute Condition 12.4: Incorrect Account Number for the
following reason:

Table 11-38: Dispute Condition 12.4: Incorrect Account Number – Dispute Reasons

Dispute Condition 12.4: Incorrect Account Number

Dispute Reasons

l The Transaction or Original Credit Transaction was processed using an incorrect Payment Credential.

19 October 2024 Visa Public 263

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Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

Table 11-38: Dispute Condition 12.4: Incorrect Account Number – Dispute Reasons (continued)

Dispute Condition 12.4: Incorrect Account Number

Dispute Reasons

l The Adjustment was processed using an incorrect Payment Credential.

ID# 0030292 Edition: Oct 2024 | Last Updated: Apr 2023

11.9.3.2 Dispute Condition 12.4: Incorrect Account Number – Invalid Disputes

A Dispute is invalid under Dispute Condition 12.4: Incorrect Account Number for the following:

Table 11-39: Dispute Condition 12.4: Incorrect Account Number – Invalid Disputes

Dispute Condition 12.4: Incorrect Account Number

Invalid Disputes

A Payment Credential on which the Issuer reported Fraud Activity using fraud type code 3 (fraudulent
application)

ID# 0030293 Edition: Oct 2024 | Last Updated: Apr 2021

11.9.3.3 Dispute Condition 12.4: Incorrect Account Number – Dispute Time Limit
An Issuer may initiate a Dispute under Dispute Condition 12.4: Incorrect Account Number according
to the following time limits:

Table 11-40: Dispute Condition 12.4: Incorrect Account Number – Dispute Time Limit

Dispute Condition 12.4: Incorrect Account Number

Dispute Time Limit

120 calendar days from either:

l The Transaction Processing Date
l For an Adjustment, the Transaction Date of the Adjustment

ID# 0030294 Edition: Oct 2024 | Last Updated: Apr 2023

19 October 2024 Visa Public 264

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

11.9.3.4 Dispute Condition 12.4: Incorrect Account Number – Dispute Response

Processing Requirements
An Acquirer must provide the following documentation or certification for a Dispute Response under
Dispute Condition 12.4: Incorrect Account Number:

Table 11-41: Dispute Condition 12.4: Incorrect Account Number – Dispute Response Processing
Requirements

Dispute Condition 12.4: Incorrect Account Number

Supporting Documentation/Certification

Evidence of one of the following:

l A credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute
l The Dispute is invalid
l The Cardholder no longer disputes the Transaction
l Transaction Receipt, as specified in Section 5.9.2.2, Required Transaction Receipt Content for All
Transactions or other record to prove that the correct Payment Credential was processed

ID# 0030295 Edition: Oct 2024 | Last Updated: Oct 2024

11.9.4 Dispute Condition 12.5: Incorrect Amount

11.9.4.1 Dispute Condition 12.5: Incorrect Amount – Dispute Reasons

An Issuer may initiate a Dispute under Dispute Condition 12.5: Incorrect Amount for the following
reason:

Table 11-42: Dispute Condition 12.5: Incorrect Amount – Dispute Reasons

Dispute Condition 12.5: Incorrect Amount

Dispute Reasons

The Transaction amount is incorrect or an addition or transposition error occurred

ID# 0030296 Edition: Oct 2024 | Last Updated: Apr 2023

19 October 2024 Visa Public 265

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Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

11.9.4.2 Dispute Condition 12.5: Incorrect Amount – Dispute Rights

Table 11-43: Dispute Condition 12.5: Incorrect Amount – Dispute Rights

Dispute Condition 12.5: Incorrect Amount

Dispute Rights

The Dispute amount is limited to the difference between the amounts.

ID# 0030297 Edition: Oct 2024 | Last Updated: Apr 2018

11.9.4.3 Dispute Condition 12.5: Incorrect Amount – Invalid Disputes

For a Card-Absent Environment Transaction,1 a Dispute is invalid under Dispute Condition 12.5:
Incorrect Amount for any of the following:

Table 11-44: Dispute Condition 12.5: Incorrect Amount – Invalid Disputes

Dispute Condition 12.5: Incorrect Amount

Invalid Disputes

l A T&E Transaction in which there is a difference between the quoted price and the actual charges made by
the Merchant
l A No-Show Transaction
l An Advance Payment2
l A Transaction for which the Merchant has the right to alter the Transaction amount without the
Cardholder’s consent after the Transaction was completed
1
Applies only to Card-Absent Environment Transactions that qualify as Card-Absent Interlink Transactions.
2
Processed as specified in Section 5.8.8.1, Requirements for Partial Payments, Advance Payments, and Transactions Using
Stored Credentials

ID# 0030298 Edition: Oct 2024 | Last Updated: Apr 2023

11.9.4.4 Dispute Condition 12.5: Incorrect Amount – Dispute Time Limit

An Issuer may initiate a Dispute under Dispute Condition 12.5: Incorrect Amount according to the
following time limits:

19 October 2024 Visa Public 266

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Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

Table 11-45: Dispute Condition 12.5: Incorrect Amount – Dispute Time Limit

Dispute Condition 12.5: Incorrect Amount

Dispute Time Limit

120 calendar days from the Transaction Processing Date

ID# 0030299 Edition: Oct 2024 | Last Updated: Apr 2023

11.9.4.5 Dispute Condition 12.5: Incorrect Amount – Dispute Processing

Requirements
An Issuer must provide the following documentation or certification for a Dispute under Dispute
Condition 12.5: Incorrect Amount:

Table 11-46: Dispute Condition 12.5: Incorrect Amount – Dispute Processing Requirements

Dispute Condition 12.5: Incorrect Amount

Supporting Documentation/Certification

A copy of the Transaction Receipt, as specified in Section 5.9.2.2, Required Transaction Receipt Content for All
Transactions or other record with the correct Transaction Amount

ID# 0030300 Edition: Oct 2024 | Last Updated: Oct 2024

11.9.4.6 Dispute Condition 12.5: Incorrect Amount – Dispute Response Processing

Requirements
An Acquirer must provide the following documentation or certification for a Dispute Response under
Dispute Condition 12.5: Incorrect Amount:

Table 11-47: Dispute Condition 12.5: Incorrect Amount – Dispute Response Processing Requirements

Dispute Condition 12.5: Incorrect Amount

Supporting Documentation/Certification

Evidence of one of the following:1

l A credit or Reversal issued by the Acquirer was not addressed by the Issuer in the Dispute
l The Dispute is invalid
l The Cardholder no longer disputes the Transaction

19 October 2024 Visa Public 267

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Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

Table 11-47: Dispute Condition 12.5: Incorrect Amount – Dispute Response Processing Requirements (con-
tinued)

Dispute Condition 12.5: Incorrect Amount

Supporting Documentation/Certification

l Transaction Receipt or other record to prove that the Transaction amount was correct
1
The Dispute Response requirements for a Transaction processed in a Card-Absent Environment apply only to
qualified Card-Absent Interlink Transaction.

ID# 0030301 Edition: Oct 2024 | Last Updated: Apr 2023

11.9.5 Dispute Condition 12.6: Duplicate Processing/Paid by Other Means

11.9.5.1 Dispute Condition 12.6: Duplicate Processing/Paid by Other Means –

Dispute Reasons
An Issuer may initiate a Dispute under Dispute Condition 12.6: Duplicate Processing/Paid by Other
Means for the following reason:

Table 11-48: Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Dispute Reasons

Dispute Condition 12.6: Duplicate Processing/Paid by Other Means

Dispute Reasons

Either:
l A single Transaction1 was processed more than once using the same Payment Credential on the same
Transaction date, and for the same Transaction amount.
l The Cardholder paid for the same merchandise or service by other means.
1
The Cardholder must have participated in one of the Transactions

ID# 0030302 Edition: Oct 2024 | Last Updated: Oct 2024

19 October 2024 Visa Public 268

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Interlink Product and Service Rules
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Interlink Core Rules and Interlink Product and Service Rules

11.9.5.2 Dispute Condition 12.6: Duplicate Processing/Paid by Other Means –

Dispute Rights

Table 11-49: Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Dispute Rights

Dispute Condition 12.6: Duplicate Processing/Paid by Other Means

Dispute Rights

For Duplicate Processing, if the Transaction was processed by different Acquirers (including Originating
Acquirers), the Acquirer that processed the invalid Transaction is responsible for the Dispute. If the Issuer
(including a Recipient Issuer) cannot determine which Transaction is invalid, the Acquirer that processed the
second Transaction is responsible for the Dispute.

For Transactions that were paid by other means, the Cardholder must attempt to resolve the dispute with the
Merchant or the Merchant’s liquidator, if applicable, before the Issuer may initiate a Dispute.

ID# 0030303 Edition: Oct 2024 | Last Updated: Apr 2023

11.9.5.3 Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Invalid

Disputes
A Dispute is invalid under Dispute Condition 12.6: Duplicate Processing/Paid by Other Means for
either:

Table 11-50: Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Invalid Disputes

Dispute Condition 12.6: Duplicate Processing/Paid by Other Means

Invalid Disputes

Transactions in which payment for services was made to different Merchants, unless there is evidence that
the payment was passed from one Merchant to the other (for example: payment from a travel agent to a T&E
Merchant)

An Adjustment

ID# 0030304 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 269

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Interlink Product and Service Rules
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Interlink Core Rules and Interlink Product and Service Rules

11.9.5.4 Dispute Condition 12.6: Duplicate Processing/Paid by Other Means –

Dispute Time Limit
An Issuer may initiate a Dispute under Dispute Condition 12.6: Duplicate Processing/Paid by Other
Means according to the following time limits:

Table 11-51: Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Dispute Time Limit

Dispute Condition 12.6: Duplicate Processing/Paid by Other Means

Dispute Time Limit

120 calendar days from the Transaction Processing Date

ID# 0030305 Edition: Oct 2024 | Last Updated: Apr 2023

11.9.5.5 Dispute Condition 12.6: Duplicate Processing/Paid by Other Means –

Dispute Processing Requirements
An Issuer must provide the following documentation or certification for a Dispute under Dispute
Condition 12.6: Duplicate Processing/Paid by Other Means:

Table 11-52: Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Dispute Processing
Requirements

Dispute Condition 12.6: Duplicate Processing/Paid by Other Means

Supporting Documentation/Certification

All of the following, as applicable:

l Certification that the Cardholder attempted to resolve the dispute with the Merchant
l Within 5 calendar days of the Dispute Processing Date, evidence that the Merchant received payment by
other means, including:
– The Acquirer Reference Number or other Transaction information, if the Transaction was an Interlink
Transaction
– A statement, if paid by another card or account
– A cash receipt
– A copy of the front and back of a cancelled check

ID# 0030306 Edition: Oct 2024 | Last Updated: Oct 2024

19 October 2024 Visa Public 270

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Interlink Product and Service Rules
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Interlink Core Rules and Interlink Product and Service Rules

11.9.5.6 Dispute Condition 12.6: Duplicate Processing/Paid by Other Means –

Dispute Response Processing Requirements
An Acquirer must provide the following documentation or certification for a Dispute Response under
Dispute Condition 12.6: Duplicate Processing/Paid by Other Means:

Table 11-53: Dispute Condition 12.6: Duplicate Processing/Paid by Other Means – Dispute Response
Processing Requirements

Dispute Condition 12.6: Duplicate Processing/Paid by Other Means

Supporting Documentation/Certification

Evidence of one of the following:

l A credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute
l The Dispute is invalid
l The Cardholder no longer disputes the Transaction
l For a Load Transaction, records containing at least the following:
– Payment Credential
– Transaction time or sequential number that identifies individual Transactions
– Indicator that confirms that the Load Transaction was successful
l Either:
– 2 separate Transaction Receipts, as specified in Section 5.9.2.2, Required Transaction Receipt Content for
All Transactions or other record to prove that both the accepted and disputed Transaction represent
the purchase of separate merchandise or services
– Evidence to prove that the Merchant did not receive payment by other means for the same
merchandise or service

ID# 0030307 Edition: Oct 2024 | Last Updated: Oct 2024

11.9.6 Dispute Condition 12.7: Invalid Data

11.9.6.1 Dispute Condition 12.7: Invalid Data – Dispute Reasons

An Issuer may initiate a Dispute under Dispute Condition 12.7: Invalid Data for the following reason:

19 October 2024 Visa Public 271

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Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

Table 11-54: Dispute Condition 12.7: Invalid Data – Dispute Reasons

Dispute Condition 12.7: Invalid Data

Dispute Reasons

Authorization was obtained using invalid or incorrect data

ID# 0030308 Edition: Oct 2024 | Last Updated: Apr 2018

11.9.6.2 Dispute Condition 12.7: Invalid Data – Dispute Rights

Table 11-55: Dispute Condition 12.7 Invalid Data – Dispute Rights

Dispute Condition 12.7 Invalid Data

Dispute Rights

l The Dispute applies for the entire Transaction amount.

l The Authorization is invalid if the Authorization Request contained an incorrect Transaction Date, MCC,
Merchant or Transaction type indicator, country code, state code, special condition indicator, or other
required field.

ID# 0030309 Edition: Oct 2024 | Last Updated: Apr 2019

11.9.6.3 Dispute Condition 12.7: Invalid Data – Dispute Time Limit

An Issuer may initiate a Dispute under Dispute Condition 12.7: Invalid Data according to the following
time limit:

Table 11-56: Dispute Condition 12.7: Invalid Data – Dispute Time Limit

Dispute Condition 12.7: Invalid Data

Dispute Time Limit

75 calendar days from the Transaction Processing Date

ID# 0030310 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 272

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Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

11.9.6.4 Dispute Condition 12.7: Invalid Data – Dispute Processing Requirements

An Issuer must provide the following documentation or certification for a Dispute under Dispute
Condition 12.7: Invalid Data:

Table 11-57: Dispute Condition 12.7: Invalid Data – Dispute Processing Requirements

Dispute Condition 12.7: Invalid Data

Supporting Documentation/Certification

Both:
l Certification that the Authorization Request would have been declined if valid data had been provided
l An explanation of why the inclusion of valid data would have caused the Authorization Request to be
declined

ID# 0030311 Edition: Oct 2024 | Last Updated: Apr 2018

11.9.6.5 Dispute Condition 12.7: Invalid Data – Dispute Response Processing

Requirements
An Acquirer must provide the following documentation or certification for a Dispute Response under
Dispute Condition 12.7: Invalid Data:

Table 11-58: Dispute Condition 12.7: Invalid Data – Dispute Response Processing Requirements

Dispute Condition 12.7: Invalid Data

Supporting Documentation/Certification

Evidence of one of the following:

l A credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute.
l The Dispute is invalid.
l The Cardholder no longer disputes the Transaction.
l The Authorization did not contain invalid data.

ID# 0030312 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 273

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Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

11.10 Dispute Category 13: Consumer Disputes

11.10.1 Dispute Category 13: Cardholder Letter Requirements

If a Dispute requires an Issuer to provide certification on behalf of the Cardholder, the Issuer may
only certify if it obtained the Dispute information through a secure method that results in a valid
representation of the Cardholder signature, for example:
l Secure online banking: Any method used by the Cardholder that establishes their unique identity
through use of a password and/or other login identification method
l Secure telephone banking: A method where the Cardholder was identified using the same level of
security needed to complete a transfer of funds to another financial institution
If the Dispute requires an Issuer to provide an Acquirer with a Cardholder letter confirming non-
receipt of merchandise, services, or Cash, the letter must be signed by the Cardholder and include all
of the following:
l Cardholder’s complete or partial Payment Credential
l Merchant name(s)
l Transaction amount(s)

ID# 0030224 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.2 Dispute Condition 13.1: Merchandise/Services Not Received

11.10.2.1 Dispute Condition 13.1: Merchandise/Services Not Received – Dispute

Reasons
An Issuer may initiate a Dispute under Dispute Condition 13.1: Merchandise/Services Not Received
for the following reason:

Table 11-59: Dispute Condition 13.1: Merchandise/Services Not Received – Dispute Reasons

Dispute Condition 13.1: Merchandise/Services Not Received

Dispute Reasons

The Cardholder participated in the Transaction but the Cardholder or an authorized person did not receive
the merchandise or services because the Merchant was unwilling or unable to provide the merchandise or
services.

ID# 0030313 Edition: Oct 2024 | Last Updated: Oct 2021

19 October 2024 Visa Public 274

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11.10.2.2 Dispute Condition 13.1: Merchandise/Services Not Received – Dispute

Rights

Table 11-60: Dispute Condition 13.1: Merchandise/Services Not Received – Dispute Rights

Dispute Condition 13.1: Merchandise/Services Not Received

Dispute Rights

l The Dispute amount is limited to the portion of services or merchandise not received.
l Before the Issuer may initiate a Dispute, the Cardholder must attempt to resolve the Dispute with the
Merchant or the Merchant’s liquidator, if applicable.
l The Merchant is responsible for merchandise held in a customs agency in the Merchant’s country.
l If merchandise was delivered late, the Cardholder must return or attempt to return the merchandise.
l Effective for Disputes Processed on or after 19 October 2024 For Card Absent Interlink Transactions
involving the acquisition of non-fiat currency (for example: cryptocurrency) or purchase of non-fungible
tokens (NFT), the Ramp Provider or its Conversion Affiliate did not deliver the non-fiat currency or non-
fungible token (NFT) to the destination wallet address supplied by the Cardholder at the time of the
Transaction.
l Effective for Disputes Processed on or after 19 October 2024 For a Card-Absent Interlink Transaction, the
Dispute amount is limited to the cost of the non-fiat currency or nonfungible token(s) at the time of the
Transaction.
l Effective for Disputes Processed on or after 19 October 2024 For a Card-Absent Interlink Transaction,
before the Issuer may initiate a Dispute, the Cardholder must attempt to resolve the Dispute with the
Merchant, Ramp Provider, or its Conversion Affiliate as applicable.

ID# 0030314 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.2.3 Dispute Condition 13.1: Merchandise/Services Not Received – Invalid

Disputes
A Dispute is invalid under Dispute Condition 13.1: Merchandise/Services Not Received for any of the
following:

Table 11-61: Dispute Condition 13.1: Merchandise/Services Not Received – Invalid Disputes

Dispute Condition 13.1: Merchandise/Services Not Received

Invalid Disputes

l A Transaction in which the Cardholder cancelled the merchandise or service before the expected delivery

19 October 2024 Visa Public 275

© 2014—2024 Visa. All Rights Reserved.
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Table 11-61: Dispute Condition 13.1: Merchandise/Services Not Received – Invalid Disputes (continued)

Dispute Condition 13.1: Merchandise/Services Not Received

Invalid Disputes

or service date (for example: the Cardholder purchased merchandise and was informed by the Merchant
after the Transaction was completed, that they would not be able to deliver it by the expected date)
l A Transaction in which merchandise is being held by the Cardholder’s country’s customs agency
l A Transaction that the Cardholder states is fraudulent
l A Dispute regarding the quality of merchandise or service provided
l A partial Advance Payment Transaction when the remaining balance was not paid and the Merchant is
willing and able to provide the merchandise or services
l The Cash-Back portion of a Cash-Back Transaction
l An Automated Fuel Dispenser Transaction
l Effective for Disputes processed on or after 19 October 2024 For a Card-Absent Interlink Transaction
involving the acquisition non-fiat currency (for example: cryptocurrency) or purchase of non-fungible
token(s) (NFT) in which the Cardholder can no longer access the non-fiat currency or non-fungible token
after it was successfully delivered (for example: the cardholder is unable to access winnings, make a
withdrawal, or transfer request).

ID# 0030315 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.2.4 Dispute Condition 13.1: Merchandise/Services Not Received – Dispute Time

Limit
An Issuer may initiate a Dispute under Dispute Condition 13.1: Merchandise/Services Not Received
according to the following time limits:

Table 11-62: Dispute Condition 13.1: Merchandise/Services Not Received – Dispute Time Limit

Dispute Condition 13.1: Merchandise/Services Not Received

Dispute Time Limit

If applicable, before initiating a Dispute, an Issuer must either:

l Wait 10 calendar days1,2 from any one of the following:
– The Transaction Date, if the date the services were expected or the delivery date for the merchandise is
not specified

19 October 2024 Visa Public 276

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

Table 11-62: Dispute Condition 13.1: Merchandise/Services Not Received – Dispute Time Limit (continued)

Dispute Condition 13.1: Merchandise/Services Not Received

Dispute Time Limit

– The date the Cardholder returned or attempted to return the merchandise, if the merchandise was
returned due to late delivery
– The date the Merchant canceled the goods or services
l For MCC 4722 (Travel Agencies and Tour Operators), and ticket agencies that sell third-party event tickets,
wait 30 calendar days1 from the date the service provider cancelled the service.

A Dispute must be processed no later than either:

l 120 calendar days from the Transaction Processing Date
l 120 calendar days from the last date that the Cardholder expected to receive the merchandise or
services3,4
1
This does not apply if the waiting period would cause the Dispute to exceed the Dispute time limit.
2
The waiting period does not apply if the Merchant is insolvent or bankrupt.
3
This does not apply to the purchase of a third-party gift card without an expiration date if the merchandise or
services were not provided by the third party due to insolvency or bankruptcy.
4
Not to exceed 540 calendar days from the Transaction Processing Date

ID# 0030316 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.2.5 Dispute Condition 13.1: Merchandise/Services Not Received – Dispute

Processing Requirements
An Issuer must provide the following documentation or certification for a Dispute under Dispute
Condition 13.1: Merchandise/Services Not Received:

Table 11-63: Dispute Condition 13.1: Merchandise/Services Not Received – Dispute Processing Requirements

Dispute Condition 13.1: Merchandise/Services Not Received

Supporting Documentation/Certification

All of the following, as applicable:

l Certification of any of the following, as applicable:
– Services were not rendered by the expected date/time
– Merchandise was not received by the expected date/time

19 October 2024 Visa Public 277

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

Table 11-63: Dispute Condition 13.1: Merchandise/Services Not Received – Dispute Processing Requirements
(continued)

Dispute Condition 13.1: Merchandise/Services Not Received

Supporting Documentation/Certification

– Merchandise was not received at the agreed location (Issuer must specify the address of the agreed
location)
– Cardholder attempted to resolve with Merchant
– If the merchandise was delivered late, the date the Cardholder returned or attempted to return the
merchandise
– The date the Merchant cancelled the goods or services
– Effective for Disputes on or after 19 October 2024 For Card-Absent Interlink Transactions, the non-fiat
currency or non-fungible token(s) was not successfully delivered to the destination wallet address
supplied by the Cardholder at the time of the Transaction.
l A detailed description of the merchandise or services purchased. This description must contain additional
information beyond the data required in the Clearing Record (for example: the MCC of the Merchant is
5651 – Family Clothing Stores and the description states a pair of blue jeans).
l For a Transaction that represents the purchase of merchandise or services to be delivered at a later date,
an explanation of why the Dispute was initiated before the expected delivery date
l A Cardholder letter, if both:
– The Cardholder has disputed 3 or more Transactions for non-receipt of merchandise or services at the
same Merchant on the same Card.1
– The disputed Transactions all occurred within the same 30-calendar day period.
1
Individual Transactions that contain a Multiple Clearing Sequence Number that result from the same Authorization
are treated as one Transaction toward the 3 Transaction limit.

ID# 0030317 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.2.6 Dispute Condition 13.1: Merchandise/Services Not Received – Dispute

Response Processing Requirements
An Acquirer must provide the following documentation or certification for a Dispute Response under
Dispute Condition 13.1: Merchandise/Services Not Received:

19 October 2024 Visa Public 278

© 2014—2024 Visa. All Rights Reserved.
Interlink Product and Service Rules
11 Dispute Resolution
Interlink Core Rules and Interlink Product and Service Rules

Table 11-64: Dispute Condition 13.1: Merchandise/Services Not Received – Dispute Response Processing
Requirements

Dispute Condition 13.1: Merchandise/Services Not Received

Supporting Documentation/Certification

Evidence of one of the following:

l A credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute
l The Dispute is invalid
l The Cardholder no longer disputes the Transaction
l The Cardholder or an authorized person received the merchandise or services at the agreed location or by
the agreed date/time
l For an Airline Transaction, that the flight departed when the Cardholder is disputing the flight did not take
place.
l For a Dispute related to future services, evidence to show that merchant did not cancel and services were
available.
l Effective for Dispute Response on or after 19 October 2024 For Card-Absent Interlink Transactions
involving the acquisition of non-fiat currency (for example: cryptocurrency) or non-fungible token(s),
evidence the non-fiat currency or non-fungible token(s) was successfully delivered to the destination
wallet address supplied by the Cardholder at the time of the Transaction and one or more of the following:
– Destination wallet address
– Blockchain Transaction hash, which must be searchable/traceable on an open-source website
– Prior approved similar transactions using the same Cardholder Account Number

ID# 0030318 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.2.7 Dispute Condition 13.1: Merchandise/Services Not Received – Pre-

Arbitration Attempt
Effective for pre-Arbitration attempts processed on or after 19 October 2024 In response to
evidence/certification provided by the Acquirer at the Dispute Response stage, an Issuer can provide
the following documentation or certification for a pre-Arbitration attempt under Dispute Condition
13.1 Merchandise/Services Not Received:

19 October 2024 Visa Public 279

© 2014—2024 Visa. All Rights Reserved.
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Table 11-65: Dispute Condition 13.1: Merchandise/Services Not Received – Pre-Arbitration attempt

Dispute Condition 13.1: Merchandise/Services Not Received – Pre-Arbitration Attempt Supporting

Documentation/Certification

l For where the Merchant provided evidence of a different delivery date, evidence to support the expected
delivery date that was provided to the Cardholder
l For where the Merchant claims either the Cardholder did not attempt to return merchandise or non-
receipt of returned merchandise, evidence to support the Cardholder attempted the return or the
merchandise was returned and received by the Merchant
l For a face-to-face Transaction, evidence to prove the Merchant agreed to deliver the goods or services at
a later date
l For a Dispute relating to cancelled future services, evidence to support the Merchant notified the
Cardholder of the cancellation
l For a Dispute relating to merchandise being delivered to a different address, evidence to support the
agreed upon address

ID# 0031084 Edition: Oct 2024 | Last Updated: New

11.10.3 Dispute Condition 13.2: Cancelled Recurring Transaction

11.10.3.1 Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Reasons

An Issuer may initiate a Dispute under Dispute Condition 13.2: Cancelled Recurring Transaction for
the following reasons:

Table 11-66: Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Reasons

Dispute Condition 13.2: Cancelled Recurring Transaction

Dispute Reasons

For a Transaction that qualifies as a Card-Absent Interlink Transaction, either:

l The Cardholder withdrew permission to charge the Payment Credential for a Recurring Transaction.
l The Acquirer or Merchant received notification that, before the Transaction was processed, the
Cardholder’s account was closed.

ID# 0030319 Edition: Oct 2024 | Last Updated: Oct 2024

19 October 2024 Visa Public 280

11.10.3.2 Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Rights

Table 11-67: Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Rights

Dispute Condition 13.2: Cancelled Recurring Transaction

Dispute Rights

The Dispute amount is limited to the unused portion of the service or merchandise.

ID# 0030320 Edition: Oct 2024 | Last Updated: Apr 2023

11.10.3.3 Dispute Condition 13.2: Cancelled Recurring Transaction – Invalid Disputes

A Dispute is invalid under Dispute Condition 13.2: Cancelled Recurring Transaction for the following:

Table 11-68: Dispute Condition 13.2: Cancelled Recurring Transaction – Invalid Disputes

Dispute Condition 13.2: Cancelled Recurring Transaction

Invalid Disputes

l An Installment Transaction
l An Unscheduled Credential-on-File Transaction
l Effective for Disputes processed on or after 19 October 2024 A Transaction that the Cardholder states is
fraudulent
l Effective for Disputes processed on or after 19 October 2024 A Cardholder-initiated Transaction

ID# 0030321 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.3.4 Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Time

Limit
An Issuer may initiate a Dispute under Dispute Condition 13.2: Cancelled Recurring Transaction
according to the following time limit:

Table 11-69: Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Time Limit

Dispute Condition 13.2: Cancelled Recurring Transaction

Dispute Time Limit

120 calendar days from the Transaction Processing Date

19 October 2024 Visa Public 281

ID# 0030322 Edition: Oct 2024 | Last Updated: Apr 2023

11.10.3.5 Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute

Processing Requirements
An Issuer must provide the following documentation or certification for a Dispute under Dispute
Condition 13.2: Cancelled Recurring Transaction:

Table 11-70: Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Processing Requirements

Dispute Condition 13.2: Cancelled Recurring Transaction

Supporting Documentation/Certification

Certification of either:
l The Cardholder withdrew permission to charge the Payment Credential and all of the following:
– The date the Cardholder withdrew permission
– Details used to contact the Merchant, such as an email address, telephone number, or physical address
– Details of other form of payment provided to the Merchant (if one was provided)
l The date the Merchant was notified by the Issuer that the Payment Credential was closed

ID# 0030323 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.3.6 Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute

Response Processing Requirements
An Acquirer must provide the following documentation or certification for a Dispute Response under
Dispute Condition 13.2: Cancelled Recurring Transaction:

Table 11-71: Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Response Processing
Requirements

Dispute Condition 13.2: Cancelled Recurring Transaction

Supporting Documentation/Certification

Evidence of one or more of the following:

l A credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute
l The Dispute is invalid

19 October 2024 Visa Public 282

Table 11-71: Dispute Condition 13.2: Cancelled Recurring Transaction – Dispute Response Processing Require-
ments (continued)

Dispute Condition 13.2: Cancelled Recurring Transaction

Supporting Documentation/Certification

l The Cardholder no longer disputes the Transaction

l The Cardholder requested cancellation for a different date and services were provided until this date
l The Merchant posts charges to Cardholders after services have been provided and that the Cardholder
received services until the cancellation date
l The Issuer’s claim is invalid that the Acquirer or Merchant was notified that the account was closed
l Effective for Disputes processed on or after 19 October 2024 The Cardholder used services after the
withdrawal of permission to bill date and prior to the Dispute Processing Date1
1
The cancellation date represents the last date the Cardholder is allowed to use the service (For example: the
Cardholder withdrew permission to be billed for their monthly movie subscription on 22 April 2024 and were
informed they could use the service until the end of the month; therefore, 30 April 2024, is considered the
cancellation date)

ID# 0030324 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.3.7 Dispute Condition 13.2: Cancelled Recurring Transaction – Pre-Arbitration

Attempt
Effective for pre-Arbitration attempts processed on or after 19 October 2024 In response to
evidence/certification provided by the Acquirer at the Dispute Response stage, an Issuer can provide
the following documentation or certification for a pre-Arbitration attempt under Dispute Condition
13.2 Cancelled Recurring Transaction:

Table 11-72: Dispute Condition 13.2: Cancelled Recurring Transaction – Pre-Arbitration attempt

Dispute Condition 13.2: Cancelled Recurring Transaction – Pre-Arbitration Attempt Supporting

Documentation

l For where the Merchant provided evidence of a different withdraw notification date, evidence of
Cardholder’s withdraw notification to the Merchant (for example: withdraw email from the Cardholder to
the Merchant)
l For where the Merchant provided evidence the Cardholder continued to use services after the withdraw
notification date, evidence the services being used were for a previous Transaction prior to the Dispute
Processing Date

19 October 2024 Visa Public 283

ID# 0031085 Edition: Oct 2024 | Last Updated: New

11.10.4 Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

11.10.4.1 Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

– Dispute Reasons
An Issuer may initiate a Dispute under Dispute Condition 13.3: Not as Described or Defective
Merchandise/Services for the following reasons:

Table 11-73: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services – Dispute Reasons

Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

Dispute Reasons

One of the following:

l The merchandise or services did not match what was described on the Transaction Receipt, as specified in
Section 5.9.2.2, Required Transaction Receipt Content for All Transactions or other record presented at the
time of purchase.
l The merchandise received by the Cardholder was damaged or defective.
l The Cardholder disputes the quality of the merchandise or services received.
l The Cardholder claims that the terms of sale were misrepresented by the Merchant.
l Effective for Disputes processed on or after 19 October 2024 For Card-Absent Interlink Transactions
involving the acquisition of non-fiat currency or purchase of non-fungible token(s) (NFT), the non-fiat
currency or non-fungible token received by the Cardholder did not match the description provided at the
time of the Transaction.

For a Transaction that qualifies as a Card-Absent Interlink Transaction, the Merchant’s verbal description or
other documentation presented at the time of purchase did not match the merchandise or services received.

ID# 0030325 Edition: Oct 2024 | Last Updated: Oct 2024

19 October 2024 Visa Public 284

11.10.4.2 Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

– Dispute Rights

Table 11-74: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services – Dispute Rights

Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

Dispute Rights

l The Dispute amount is limited to either:

– The unused portion of the cancelled service
– The value of the merchandise that the Cardholder returned or, if applicable, attempted to return
l Before the Issuer may initiate a Dispute, the Cardholder must attempt to resolve the dispute with the
Merchant or the Merchant’s liquidator.
l Effective for Disputes processed on or after 19 October 2024 Before the Issuer may initiate a Dispute, the
Cardholder must return or attempt to return the merchandise or cancel the services. Attempt to return is
only valid when the Merchant does one of the following:
– Refused the return of the merchandise
– Refused to provide a return merchandise authorization/label
– Instructed the Cardholder not to return the merchandise
– Merchant no longer exists or is not responding to the Cardholder
– Merchant did not provide clear instructions on how to return
l The Merchant is responsible for merchandise held in a customs agency in the Merchant’s country.
l Effective for Disputes processed on or after 19 October 2024 For a Dispute related to a Card-Absent
Interlink Transaction involving the acquisition of non-fiat currency (for example: cryptocurrency) or
purchase of a non-fungible token (NFT), both:
– The Dispute amount is limited to the cost of the non-fiat currency or non-fungible token(s) the
Cardholder intended to acquire or purchase at the time of the Transaction
– Before the Issuer may initiate a Dispute, the Cardholder must attempt to resolve the Dispute with the
Merchant, Ramp Provider or, its Conversion Affiliate as applicable.
l Effective for Disputes processed on or after 19 October 2024 For Card-Absent Interlink Transactions,
involving the acquisition of non-fiat currency (for example: cryptocurrency) or purchase of non-fungible
token(s), the non-fiat currency or non-fungible token(s) was guaranteed to increase in value by the
Merchant.

ID# 0030326 Edition: Oct 2024 | Last Updated: Oct 2024

19 October 2024 Visa Public 285

11.10.4.3 Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

– Invalid Disputes
A Dispute is invalid under Dispute Condition 13.3: Not as Described or Defective
Merchandise/Services for any of the following:

Table 11-75: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services – Invalid Disputes

Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

Invalid Disputes

l A Transaction in which the returned merchandise is held by the Cardholder’s country’s customs agency
l The Cash-Back portion of a Cash-Back Transaction
l A Transaction that the Cardholder states is fraudulent
l An Automated Fuel Dispenser Transaction
l A Dispute regarding the quality of food received from eating places or restaurants (for example: the
burger was received cold)
l Effective for Disputes processed on or after 19 October 2024 For a Card-Absent Interlink Transaction
involving the acquisition of non-fiat currency (for example: cryptocurrency), or the purchase of non-
fungible token(s) (NFT) in which the non-fiat currency or non-fungible token(s) does not increase in resale
value as the Cardholder expected.

ID# 0030327 Edition: Oct 2024 | Last Updated: Apr 2024

11.10.4.4 Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

– Dispute Time Limit
An Issuer may initiate a Dispute under Dispute Condition 13.3: Not as Described or Defective
Merchandise/Services according to the following time limits:

Table 11-76: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services – Dispute Time
Limit

Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

Dispute Time Limit

Before initiating a Dispute, the Issuer must wait 10 calendar days1 from the date the Cardholder returned or
attempted to return the merchandise or cancelled the services.

A Dispute must be processed within either:

19 October 2024 Visa Public 286

Table 11-76: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services – Dispute Time
Limit (continued)

Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

Dispute Time Limit

l 120 calendar days of either:

– The Transaction Processing Date
– The date the Cardholder received the merchandise or services
l 60 calendar days of the date the Issuer received the first Cardholder notification of the dispute, if both:2
– There is evidence in the notification of previous ongoing negotiations between the Cardholder and the
Merchant to resolve the dispute.
– The negotiations occurred within 120 days of the Transaction Processing Date.
1
This does not apply if the waiting period would cause the Dispute to exceed the Dispute time limit or if the Merchant
refuses the cancellation or return.
2
Not to exceed 540 calendar days from the Transaction Processing Date

ID# 0030328 Edition: Oct 2024 | Last Updated: Oct 2022

11.10.4.5 Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

– Dispute Processing Requirements
An Issuer must provide the following documentation or certification for a Dispute under Dispute
Condition 13.3: Not as Described or Defective Merchandise/Services:

Table 11-77: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services – Dispute
Processing Requirements

Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

Supporting Documentation/Certification

Certification of the following, as applicable:

l An explanation of what was not as described or defective or information regarding the quality-related
issue
l The date the Cardholder received the merchandise or services
l That the Cardholder attempted to resolve the dispute with the Merchant
l For services, the date the Cardholder cancelled the services or requested a credit from the Merchant

19 October 2024 Visa Public 287

Table 11-77: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services – Dispute Pro-
cessing Requirements (continued)

Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

Supporting Documentation/Certification

l For merchandise, the date the Cardholder returned or attempted to return the merchandise
l For merchandise that the Cardholder returned, all of the following, as applicable:
– The name of the shipping company (if available)
– A tracking number (if available)
– The date the Merchant received the merchandise
l Effective for Disputes processed through 18 October 2024 For merchandise that the Cardholder
attempted to return, all of the following:
– A detailed explanation of how and when the Cardholder attempted to return the merchandise
– The disposition of the merchandise

– That the Merchant refused the return of the merchandise, refused to provide a return merchandise
authorization, or instructed the Cardholder not to return the merchandise
l Effective for Disputes processed on or after 19 October 2024 For merchandise that the Cardholder
attempted to return, all of the following:
– A detailed explanation of how and when the Cardholder attempted to return the merchandise
– The disposition of the merchandise (for example: merchandise is located at the Cardholder’s home
address – 1234 Main Street, town/city, and state)
– Certification that the Merchant did one of the following:
▪ Refused the return of the merchandise
▪ Refused to provide a return merchandise authorization/label
▪ Instructed the Cardholder not to return the merchandise
▪ Merchant no longer exists or is not responding to the Cardholder
▪ Merchant did not provide clear instructions on how to return
l Copy of the Cardholder’s investment account showing the date, the withdrawal amount, and the available
balance at the time the withdrawal request was made
l For disputes involving ongoing negotiations, all of the following:
– Certification of both:
▪ The date the Cardholder began negotiations with the Merchant

19 October 2024 Visa Public 288

Table 11-77: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services – Dispute Pro-
cessing Requirements (continued)

Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

Supporting Documentation/Certification

▪ The date the Issuer was first notified of the dispute

– Evidence of ongoing negotiations between the Cardholder and the Merchant to resolve the dispute

ID# 0030329 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.4.6 Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

– Dispute Response Processing Requirements
An Acquirer must provide the following documentation or certification for a Dispute Response under
Dispute Condition 13.3: Not as Described or Defective Merchandise/Services:

Table 11-78: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services – Dispute
Response Processing Requirements

Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

Supporting Documentation/Certification

One of the following:

l Evidence that one of the following:
– A credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute.
– The Dispute is invalid.
– The Cardholder no longer disputes the Transaction.
l Both of the following:
– Evidence to prove that the merchandise or service matched what was described (including the
description of the quality of the merchandise or service) or was not damaged or defective
– Merchant rebuttal to the Cardholder’s claims
l If applicable, evidence to prove that the Cardholder did not attempt to return the merchandise or
certification that the returned merchandise has not been received
l Effective for Dispute Responses processed on or after 19 October 2024 For Card-Absent Interlink
Transactions involving the acquisition of non-fiat currency (for example: cryptocurrency) or purchase of
non-fungible token(s), evidence the non-fiat currency or non-fungible token(s) received by the Cardholder

19 October 2024 Visa Public 289

Table 11-78: Dispute Condition 13.3: Not as Described or Defective Merchandise/Services – Dispute
Response Processing Requirements (continued)

Dispute Condition 13.3: Not as Described or Defective Merchandise/Services

Supporting Documentation/Certification

matches the non-fiat currency or non-fungible token(s) that was described at the time of the Transaction.

ID# 0030330 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.4.7 Dispute Condition 13.3: Not as Described or Defective Merchandise/Service

– Pre-Arbitration Attempt
Effective for pre-Arbitration attempts processed on or after 19 October 2024 In response to
evidence/certification provided by the Acquirer at the Dispute Response stage, an Issuer can provide
the following documentation or certification for a pre-Arbitration attempt under Dispute Condition
13.3 Not as Described or Defective:

Table 11-79: Dispute Condition 13.3: Not as Described or Defective Merchandise/Service – Pre-Arbitration
attempt

Dispute Condition 13.3: Not as Described or Defective Merchandise/Services – Pre-arbitration Attempt

Supporting Documentation/Certification

l For where the Merchant claims either the Cardholder did not attempt to return merchandise or non-
receipt of returned merchandise, evidence to support the Cardholder attempted the return or the
merchandise was returned and received by the Merchant
l For where the Merchant provides evidence to prove that the merchandise or services provided were as
described or not defective, evidence from a third party supporting the merchandise was not as described
or was defective
l For moving Disputes where the Merchant refutes the cost of the repair/replacement evidence of the
estimate to repair/replace

ID# 0031086 Edition: Oct 2024 | Last Updated: New

19 October 2024 Visa Public 290

11.10.5 Dispute Condition 13.4: Counterfeit Merchandise

11.10.5.1 Dispute Condition 13.4: Counterfeit Merchandise – Dispute Reasons

An Issuer may initiate a Dispute under Dispute Condition 13.4: Counterfeit Merchandise for the
following reasons:

Table 11-80: Dispute Condition 13.4: Counterfeit Merchandise – Dispute Reasons

Dispute Condition 13.4: Counterfeit Merchandise

Dispute Reasons

The merchandise was identified as counterfeit by one or more of the following:

l The owner of the intellectual property or its authorized representative
l A customs agency, law enforcement agency, or other government agency
l A third-party expert

ID# 0030331 Edition: Oct 2024 | Last Updated: Oct 2023

11.10.5.2 Dispute Condition 13.4: Counterfeit Merchandise – Dispute Rights

Table 11-81: Dispute Condition 13.4: Counterfeit Merchandise – Dispute Rights

Dispute Condition 13.4: Counterfeit Merchandise

Dispute Rights

If the Cardholder was advised that the merchandise ordered was counterfeit, the Dispute applies even if the
Cardholder has not received the merchandise.

ID# 0030332 Edition: Oct 2024 | Last Updated: Apr 2018

11.10.5.3 Dispute Condition 13.4: Counterfeit Merchandise – Invalid Disputes

A Dispute is invalid under Dispute Condition 13.4: Counterfeit Merchandise for:

19 October 2024 Visa Public 291

Table 11-82: Dispute Condition 13.4: Counterfeit Merchandise – Invalid Disputes

Dispute Condition 13.4: Counterfeit Merchandise

Invalid Disputes

The Cash-Back portion of a Cash-Back Transaction

ID# 0030333 Edition: Oct 2024 | Last Updated: Apr 2023

11.10.5.4 Dispute Condition 13.4: Counterfeit Merchandise – Dispute Time Limit

An Issuer may initiate a Dispute under Dispute Condition 13.4: Counterfeit Merchandise according to
the following time limits:

Table 11-83: Dispute Condition 13.4: Counterfeit Merchandise – Dispute Time Limit

Dispute Condition 13.4: Counterfeit Merchandise

Dispute Time Limit

A Dispute must be processed no later than 120 calendar days from one of the following:
l The Transaction Processing Date
l The date the Cardholder received the merchandise
l The date on which the Cardholder was notified that the merchandise was counterfeit

ID# 0030334 Edition: Oct 2024 | Last Updated: Apr 2020

11.10.5.5 Dispute Condition 13.4: Counterfeit Merchandise – Dispute Processing

Requirements
An Issuer must provide the following documentation or certification for a Dispute under Dispute
Condition 13.4: Counterfeit Merchandise:

Table 11-84: Dispute Condition 13.4: Counterfeit Merchandise – Dispute Processing Requirements

Dispute Condition 13.4: Counterfeit Merchandise

Supporting Documentation/Certification

Effective for Disputes processed through 11 April 2025 Certification of all of the following:
l That the Cardholder received notification from one of the entities listed in Section 11.10.5.1, Dispute
Condition 13.4: Counterfeit Merchandise – Dispute Reasons, that the merchandise is counterfeit

19 October 2024 Visa Public 292

Table 11-84: Dispute Condition 13.4: Counterfeit Merchandise – Dispute Processing Requirements (con-
tinued)

Dispute Condition 13.4: Counterfeit Merchandise

Supporting Documentation/Certification

l The date the Cardholder received the merchandise or received notification that the merchandise was
counterfeit
l A description of the counterfeit merchandise
l The disposition of the merchandise
l Information about the entity that indicated the merchandise is counterfeit, including the name of the
entity providing the notification and validation that the entity is qualified to provide the notification

Effective for Disputes processed on or after 12 April 2025 All of the following:
l Evidence that the Cardholder received notification from one of the entities listed in Section 11.10.5.1,
Dispute Condition 13.4: Counterfeit Merchandise – Dispute Reasons, that the merchandise is counterfeit.
Evidence must provide information about the entity that indicated the merchandise is counterfeit,
including the name of the entity providing the notification and validation that the entity is qualified to
provide the notice
l The date the Cardholder received the merchandise or received notification that the merchandise was
counterfeit
l A description of the counterfeit merchandise
l The disposition of the merchandise

ID# 0030335 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.5.6 Dispute Condition 13.4: Counterfeit Merchandise – Dispute Response

Processing Requirements
An Acquirer must provide the following documentation or certification for a Dispute Response under
Dispute Condition 13.4: Counterfeit Merchandise:

Table 11-85: Dispute Condition 13.4: Counterfeit Merchandise – Dispute Response Processing Requirements

Dispute Condition 13.4: Counterfeit Merchandise

Supporting Documentation/Certification

Evidence of one of the following:

l A credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute

19 October 2024 Visa Public 293

Table 11-85: Dispute Condition 13.4: Counterfeit Merchandise – Dispute Response Processing Requirements
(continued)

Dispute Condition 13.4: Counterfeit Merchandise

Supporting Documentation/Certification

l The Dispute is invalid

l The Cardholder no longer disputes the Transaction
l To support the Merchant’s claim that the merchandise was not counterfeit

ID# 0030336 Edition: Oct 2024 | Last Updated: Apr 2018

11.10.6 Dispute Condition 13.5: Misrepresentation

11.10.6.1 Dispute Condition 13.5: Misrepresentation – Dispute Reasons

An Issuer may initiate a Dispute under Dispute Condition 13.5: Misrepresentation for the following
reason:

Table 11-86: Dispute Condition 13.5: Misrepresentation – Dispute Reasons

Dispute Condition 13.5: Misrepresentation

Dispute Reasons

The Cardholder claims that the terms of sale were misrepresented by the Merchant.

ID# 0030337 Edition: Oct 2024 | Last Updated: Oct 2023

11.10.6.2 Dispute Condition 13.5: Misrepresentation – Dispute Rights

Table 11-87: Dispute Condition 13.5: Misrepresentation – Dispute Rights

Dispute Condition 13.5: Misrepresentation

Dispute Rights

l The Dispute amount is limited to the unused portion of the cancelled service or value of the merchandise
that the Cardholder returned or, if applicable, attempted to return.
l Before the Issuer may initiate a Dispute, the Cardholder must attempt to resolve the dispute with the
Merchant or the Merchant’s liquidator.
l The Merchant is responsible for merchandise held in a customs agency in the Merchant’s country.

19 October 2024 Visa Public 294

Table 11-87: Dispute Condition 13.5: Misrepresentation – Dispute Rights (continued)

Dispute Condition 13.5: Misrepresentation

Dispute Rights

l The Dispute applies to a qualified Card-Absent Interlink Transaction for a Transaction in a Card-Absent
Environment where the merchandise or digital goods have been purchased through a trial period,
promotional period, or introductory offer, or as a one-off purchase and the Cardholder was not clearly
advised of further Transactions after the purchase date.
l A Transaction at a Merchant that is a timeshare reseller, a timeshare reseller adviser, or that recovers
timeshare reseller fee1
l The dispute applies to a qualified Card-Absent Interlink Transaction at a Merchant that represents that it
recovers, consolidates, reduces, or amends existing financial goods or services, including all of the
following:2
– Debt consolidation
– Credit repair/counseling
– Mortgage repair/modification/counseling
– Foreclosure relief services
– Credit Card interest rate reduction services
l Technical services, technical support, or computer software that is sold using inaccurate online
advertisements or that contains malicious software downloads.
l Business opportunities in which the Merchant suggests that an income will be generated or recommends
that the Cardholder purchases additional items (for example: better sales leads) to generate more income
l A Transaction in which a Merchant advises the Cardholder that the Merchant can recover the Cardholder’s
funds and fails to provide services
l A qualified Card-Absent Interlink Transaction at an outbound telemarketing Merchant
l Investment goods or services (for example: binary options or foreign exchange trading), where the
Merchant refuses to allow the Cardholder to withdraw available balances
1
This applies only to a Merchant that offers reseller services that are connected to timeshare property it does not
own.
2
This condition is based on the type of merchandise or services sold and not solely on the MCC.

ID# 0030338 Edition: Oct 2024 | Last Updated: Apr 2023

19 October 2024 Visa Public 295

11.10.6.3 Dispute Condition 13.5: Misrepresentation – Invalid Disputes

A Dispute is invalid under Dispute Condition 13.5: Misrepresentation for any of the following:

Table 11-88: Dispute Condition 13.5: Misrepresentation – Invalid Disputes

Dispute Condition 13.5: Misrepresentation

Invalid Disputes

l A Dispute related solely to the quality of merchandise or services provided

l The Cash-Back portion of a Cash-Back Transaction

ID# 0030339 Edition: Oct 2024 | Last Updated: Apr 2023

11.10.6.4 Dispute Condition 13.5: Misrepresentation – Dispute Time Limit

An Issuer may initiate a Dispute under Dispute Condition 13.5: Misrepresentation according to the
following time limits:

Table 11-89: Dispute Condition 13.5: Misrepresentation – Dispute Time Limit

Dispute Condition 13.5: Misrepresentation

Dispute Time Limit

A Dispute must be processed within one of the following:

l 120 calendar days of either:
– The Transaction Processing Date
– The date the Cardholder received the merchandise or services1
l 60 calendar days of the date the Issuer received the first Cardholder notification of the dispute, if both:1
– There is evidence in the notification of previous ongoing negotiations between the Cardholder and the
Merchant to resolve the dispute.
– The negotiations occurred within 120 days of the Transaction Processing Date.
l By the last date that the Cardholder expected to receive the merchandise or services, or the date on which
the Cardholder was first made aware that the merchandise or services would be provided1
1
The Dispute Processing Date must be no later than 540 calendar days from the Transaction Processing Date.

ID# 0030340 Edition: Oct 2024 | Last Updated: Apr 2020

19 October 2024 Visa Public 296

11.10.6.5 Dispute Condition 13.5: Misrepresentation – Dispute Processing

Requirements
An Issuer must provide the following documentation or certification for a Dispute under Dispute
Condition 13.5: Misrepresentation:

Table 11-90: Dispute Condition 13.5: Misrepresentation – Dispute Processing Requirements

Dispute Condition 13.5: Misrepresentation

Supporting Documentation/Certification

All of the following:

l Certification of all of the following, as applicable:
– The date the merchandise was returned or the service was cancelled
– The name of the shipping company
– The invoice/tracking number (if available)
– The date the Merchant received the merchandise
– Certification that the Merchant refused the return of merchandise, refused to provide a return
merchandise authorization, or informed the Cardholder not to return the merchandise
– That the Cardholder attempted to resolve the dispute with the Merchant
– An explanation of what was not as described or defective
– The date the Cardholder received the merchandise or services
l An explanation of how the Merchant’s verbal and/or written representations do not match the terms of
sale to which the Cardholder agreed
l Copy of the Cardholder’s investment account showing the date, withdrawal amount, and available balance
at the time the withdrawal request was made1
l For Disputes involving ongoing negotiations, both:
– Certification of both:
▪ The date the Cardholder began negotiations with the Merchant
▪ The date the Issuer was first notified of the dispute
– Evidence of ongoing negotiations between the Cardholder and the Merchant to resolve the Dispute
1
If the Cardholder is unable to access the Merchant’s website, the Issuer must supply evidence to prove that the
account is inaccessible or inactive.

19 October 2024 Visa Public 297

ID# 0030341 Edition: Oct 2024 | Last Updated: Apr 2023

11.10.6.6 Dispute Condition 13.5: Misrepresentation – Dispute Response Processing

Requirements
An Acquirer must provide the following documentation or certification for a Dispute Response under
Dispute Condition 13.5: Misrepresentation:

Table 11-91: Dispute Condition 13.5: Misrepresentation – Dispute Response Processing Requirements

Dispute Condition 13.5: Misrepresentation

Supporting Documentation/Certification

Evidence of one of the following:

l A credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute
l The Dispute is invalid
l The Cardholder no longer disputes the Transaction
l To prove that the terms of sale were not misrepresented
l For a Card-Absent Interlink Transaction where merchandise or digital goods have been purchased through
a trial period, promotional period, or introductory offer or as a one-off purchase, both:
– To prove that, at the time of the initial Transaction, the Cardholder expressly agreed to future
Transactions
– To prove that the Merchant notified the Cardholder of future Transactions at least 7 days before the
Transaction Date

ID# 0030342 Edition: Oct 2024 | Last Updated: Apr 2023

11.10.7 Dispute Condition 13.6: Credit Not Processed

11.10.7.1 Dispute Condition 13.6: Credit Not Processed – Dispute Reasons

An Issuer may initiate a Dispute under Dispute Condition 13.6: Credit Not Processed for the following
reason:

19 October 2024 Visa Public 298

Table 11-92: Dispute Condition 13.6: Credit Not Processed – Dispute Reasons

Dispute Condition 13.6: Credit Not Processed

Dispute Reasons

The Cardholder received a credit or voided Transaction Receipt that was not processed.

ID# 0030343 Edition: Oct 2024 | Last Updated: Apr 2023

11.10.7.2 Dispute Condition 13.6: Credit Not Processed – Dispute Rights

Table 11-93: Dispute Condition 13.6: Credit Not Processed – Dispute Rights

Dispute Condition 13.6: Credit Not Processed

Dispute Rights

The Dispute applies if a “void” or “cancelled” notation appears on the Transaction Receipt, as specified in
Section 5.9.2.2, Required Transaction Receipt Content for All Transactions.

ID# 0030344 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.7.3 Dispute Condition 13.6: Credit Not Processed – Invalid Disputes

A Dispute is invalid under Dispute Condition 13.6: Credit Not Processed for any of the following:

Table 11-94: Dispute Condition 13.6: Credit Not Processed – Invalid Disputes

Dispute Condition 13.6: Credit Not Processed

Invalid Disputes

l The Cash-Back portion of a Cash-Back Transaction

l An Automated Fuel Dispenser Transaction
l The returned merchandise is held by any customs agency except the Merchant’s country’s customs agency

ID# 0030345 Edition: Oct 2024 | Last Updated: Oct 2022

19 October 2024 Visa Public 299

11.10.7.4 Dispute Condition 13.6: Credit Not Processed – Dispute Time Limit
An Issuer may initiate a Dispute under Dispute Condition 13.6: Credit Not Processed according to the
following time limits:

Table 11-95: Dispute Condition 13.6: Credit Not Processed – Dispute Time Limit

Dispute Condition 13.6: Credit Not Processed

Dispute Time Limit

Before initiating a Dispute, an Issuer must wait 10 calendar days1 from the date on the Credit Transaction
Receipt. This requirement does not apply if the Credit Transaction Receipt is undated.

Effective for Disputes processed through 18 October 2024 A Dispute must be processed no later than 120
calendar days from either:
l The Transaction Processing Date
l The date on the Credit Transaction Receipt2

Effective for Disputes processed on or after 19 October 2024 A Dispute must be processed no later than
120 calendar days from date on the Credit Transaction Receipt2
1
This does not apply if the waiting period would cause the Dispute to exceed the Dispute time limit.
2
Not to exceed 540 calendar days from the Transaction Processing Date

ID# 0030346 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.7.5 Dispute Condition 13.6: Credit Not Processed – Dispute Processing

Requirements
An Issuer must provide the following documentation or certification for a Dispute under Dispute
Condition 13.6: Credit Not Processed:

Table 11-96: Dispute Condition 13.6: Credit Not Processed – Dispute Processing Requirements

Dispute Condition 13.6: Credit Not Processed

Supporting Documentation/Certification

One of the following:

l A copy of the Credit Transaction Receipt
l A copy of the voided Transaction Receipt
l Other record to prove that a credit is due to the Cardholder

19 October 2024 Visa Public 300

ID# 0030347 Edition: Oct 2024 | Last Updated: Apr 2021

11.10.7.6 Dispute Condition 13.6: Credit Not Processed – Dispute Response

Processing Requirements
An Acquirer must provide the following documentation or certification for a Dispute Response under
Dispute Condition 13.6: Credit Not Processed:

Table 11-97: Dispute Condition 13.6: Credit Not Processed – Dispute Response Processing Requirements

Dispute Condition 13.6: Credit Not Processed

Supporting Documentation/Certification

Evidence that one of the following:

l A credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute.
l The Dispute is invalid.
l The Cardholder no longer disputes the Transaction.

ID# 0030348 Edition: Oct 2024 | Last Updated: Apr 2018

11.10.8 Dispute Condition 13.7: Cancelled Merchandise/Services

11.10.8.1 Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Reasons

An Issuer may initiate a Dispute under Dispute Condition 13.7: Cancelled Merchandise/Services for
the following reason:

Table 11-98: Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Reasons

Dispute Condition 13.7: Cancelled Merchandise/Services

Dispute Reasons

All of the following:

l The Cardholder cancelled or returned merchandise, cancelled services, or cancelled a timeshare
Transaction.
l The Merchant did not process a credit or voided Transaction Receipt, as specified in Section 5.9.2.2,
Required Transaction Receipt Content for All Transactions.
l The Merchant did not properly disclose or did disclose, but did not apply, a limited return or cancellation

19 October 2024 Visa Public 301

Table 11-98: Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Reasons (continued)

Dispute Condition 13.7: Cancelled Merchandise/Services

Dispute Reasons

policy at the time of the Transaction.

ID# 0030349 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.8.2 Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Rights

Table 11-99: Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Rights

Dispute Condition 13.7: Cancelled Merchandise/Services

Dispute Rights

l If the merchandise was shipped before the Transaction was cancelled, the Cardholder must return the
merchandise, if received.
l The Dispute amount is limited to either:
– The value of the unused portion of the cancelled service
– The value of the returned merchandise
l The Dispute applies if the returned merchandise is refused by the Merchant.
l For a timeshare Transaction, either:
– The Dispute applies for a timeshare Transaction processed with an incorrect MCC.
– The Dispute applies if the Cardholder cancelled a timeshare Transaction within 14 calendar days of the
contract date or the date the contract or related documents were received. If the Cardholder cancels a
timeshare Transaction after 14 calendar days from the contract date or the date the contract or related
documents were received, the Cardholder must cancel according to the Merchant’s properly disclosed
limited return or cancellation policy.
l For a Guaranteed Reservation:
– The Dispute applies if the Cardholder cancelled a Guaranteed Reservation with the Merchant or its
agent according to the cancellation policy, but was billed for a No-Show Transaction.
– The Dispute applies if the Merchant or its agent processed a No-Show Transaction for more than one
day’s accommodation or rental and applicable taxes when a Guaranteed Reservation was cancelled or
unclaimed.
– The Dispute applies if the Cardholder made a reservation and attempted to cancel within 24 hours of
delivery of the reservation confirmation, but was billed for a No-Show Transaction.

19 October 2024 Visa Public 302

Table 11-99: Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Rights (continued)

Dispute Condition 13.7: Cancelled Merchandise/Services

Dispute Rights

l Before the Issuer may initiate a Dispute, the Cardholder must attempt to resolve the dispute with the
Merchant or the Merchant’s liquidator.
l The Merchant is responsible for merchandise held in a customs agency in the Merchant’s country.

ID# 0030350 Edition: Oct 2024 | Last Updated: Apr 2023

11.10.8.3 Dispute Condition 13.7: Cancelled Merchandise/Services – Invalid Disputes

A Dispute is invalid under Dispute Condition 13.7: Cancelled Merchandise/Services for any of the
following:

Table 11-100: Dispute Condition 13.7: Cancelled Merchandise/Services – Invalid Disputes

Dispute Condition 13.7: Cancelled Merchandise/Services

Invalid Disputes

l A Dispute regarding the quality of the service rendered or the quality of merchandise, unless a Credit
Transaction Receipt, as specified in Section 5.9.2.2, Required Transaction Receipt Content for All
Transactions is provided
l The Cash-Back portion of a Cash-Back Transaction
l A Transaction that the Cardholder states is fraudulent
l An Automated Fuel Dispenser Transaction

ID# 0030351 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.8.4 Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Time

Limit
An Issuer may initiate a Dispute under Dispute Condition 13.7: Cancelled Merchandise/Services
according to the following time limits:

19 October 2024 Visa Public 303

Table 11-101: Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Time Limit

Dispute Condition 13.7: Cancelled Merchandise/Services

Dispute Time Limit

Before initiating a Dispute, an Issuer must wait 15 calendar days1 from the date the merchandise was
returned, merchandise was canceled, or services were canceled.

A Dispute must be processed no later than 120 calendar days from either:
l The Transaction Processing Date
l The date the Cardholder received or expected to receive the merchandise or services, not to exceed 540
calendar days from the Transaction Processing Date
1
This does not apply if the waiting period would cause the Dispute to exceed the Dispute time limit or if the Merchant
refuses the cancellation or return.

ID# 0030352 Edition: Oct 2024 | Last Updated: Apr 2023

11.10.8.5 Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute

Processing Requirements
An Issuer must provide the following documentation or certification for a Dispute under Dispute
Condition 13.7: Cancelled Merchandise/Services:

Table 11-102: Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Processing Requirements

Dispute Condition 13.7: Cancelled Merchandise/Services

Supporting Documentation/Certification

Certification of the following, as applicable:

l For a Timeshare Transaction, both:
– The cancellation date
– The date the contract was received by the Cardholder, if applicable
l For a Guaranteed Reservation, the Merchant processed a No-Show Transaction, the date of the expected
services, and one of the following:
– The date the Cardholder properly cancelled the Guaranteed Reservation
– The Cardholder attempted to cancel within 24 hours of delivery of the reservation confirmation
– The Merchant billed a No-Show Transaction for more than one day’s accommodation or rental

19 October 2024 Visa Public 304

Table 11-102: Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Processing Requirements
(continued)

Dispute Condition 13.7: Cancelled Merchandise/Services

Supporting Documentation/Certification

l For all other Transactions, all of the following, as applicable:

– A detailed description of the merchandise or services purchased. This description must contain
additional information beyond the data required in the Clearing Record.1
– The date the merchandise or service was expected or received
– The date the merchandise or service was cancelled or returned
– The name of the shipping company, if applicable
– The invoice/tracking number, if available
– The date the Merchant received the merchandise, if available
– For returned merchandise, that the Cardholder attempted to resolve the dispute with the Merchant
l Both:
– Certification that the Merchant did one of the following:
▪ Refused the return of the merchandise
▪ Refused to provide a return merchandise Authorization
▪ Instructed the Cardholder not to return the merchandise
– The disposition of the merchandise
1
A detailed description of the merchandise or services is not required when the Clearing Record contains Enhanced
Data.

ID# 0030353 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.8.6 Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Response

Processing Requirements
An Acquirer must provide the following documentation or certification for a Dispute Response under
Dispute Condition 13.7: Cancelled Merchandise/Services:

19 October 2024 Visa Public 305

Table 11-103: Dispute Condition 13.7: Cancelled Merchandise/Services – Dispute Response Processing
Requirements

Dispute Condition 13.7: Cancelled Merchandise/Services

Supporting Documentation/Certification

Evidence of one of the following:

l A credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute
l The Dispute is invalid
l The Cardholder no longer disputes the Transaction
l The Transaction Receipt, as specified in Section 5.9.2.2, Required Transaction Receipt Content for All
Transactions or other record to prove that the Merchant properly disclosed a limited return or cancellation
policy at the time of the Transaction, as specified in Section 5.4.2.2, Disclosure to Cardholders of Return,
Refund, and Cancellation Policies
l To demonstrate that the Cardholder received the Merchant’s cancellation or return policy and did not
cancel according to the disclosed policy

ID# 0030354 Edition: Oct 2024 | Last Updated: Oct 2024

11.10.8.7 Dispute Condition 13.7: Cancelled Merchandise/Services – Pre-Arbitration

Table 11-104: Dispute Condition 13.7: Cancelled Merchandise/Services – Pre-Arbitration attempt

Dispute Condition 13.7: Cancelled Merchandise/Services – Pre-Arbitration Attempt Supporting

Documentation/Certification

Where the Merchant provided evidence that services were rendered, evidence to support the Cardholder did
not receive services (for example: Acquirer provides hotel Transaction Receipt for Cardholder’s stay, evidence
to support the Cardholder stayed at a different hotel for the same time period)

ID# 0031087 Edition: Oct 2024 | Last Updated: New

19 October 2024 Visa Public 306

11.10.9 Dispute Condition 13.8: Original Credit Transaction Not Accepted

11.10.9.1 Dispute Condition 13.8: Original Credit Transaction Not Accepted – Dispute
Reasons
An Issuer may initiate a Dispute under Dispute Condition 13.8: Original Credit Transaction Not
Accepted for the following reason:

Table 11-105: Dispute Condition 13.8: Original Credit Transaction Not Accepted – Dispute Reasons

Dispute Condition 13.8: Original Credit Transaction Not Accepted

Dispute Reasons

An Original Credit Transaction was not accepted because either:

l The recipient refused the Original Credit Transaction.
l Original Credit Transactions are prohibited by applicable laws or regulations.

ID# 0030355 Edition: Oct 2024 | Last Updated: Oct 2021

11.10.9.2 Dispute Condition 13.8: Original Credit Transaction Not Accepted – Dispute
Time Limit
An Issuer may initiate a Dispute under Dispute Condition 13.8: Original Credit Transaction Not
Accepted according to the following time limit:

Table 11-106: Dispute Condition 13.8: Original Credit Transaction Not Accepted – Dispute Time Limit

Dispute Condition 13.8: Original Credit Transaction Not Accepted

Dispute Time Limit

120 calendar days from the Original Credit Transaction Processing Date

ID# 0030357 Edition: Oct 2024 | Last Updated: Oct 2021

11.10.9.3 Dispute Condition 13.8: Original Credit Transaction Not Accepted – Dispute
Processing Requirements
An Issuer must provide the following documentation or certification for a Dispute under Dispute
Condition 13.8: Original Credit Transaction Not Accepted:

19 October 2024 Visa Public 307

Table 11-107: Dispute Condition 13.8: Original Credit Transaction Not Accepted – Dispute Processing
Requirements

Dispute Condition 13.8: Original Credit Transaction Not Accepted

Supporting Documentation/Certification

Certification that either:

l An Original Credit Transaction is not allowed by applicable laws or regulations.
l The recipient refused to accept the Original Credit Transaction.

ID# 0030358 Edition: Oct 2024 | Last Updated: Oct 2021

11.10.9.4 Dispute Condition 13.8: Original Credit Transaction Not Accepted – Dispute
Response Processing Requirements
An Acquirer must provide the following documentation or certification for a Dispute Response under
Dispute Condition 13.8: Original Credit Transaction Not Accepted:

Table 11-108: Dispute Condition 13.8: Original Credit Transaction Not Accepted – Dispute Response
Processing Requirements

Dispute Condition 13.8: Original Credit Transaction Not Accepted

Supporting Documentation/Certification

Evidence that either:

l A Reversal issued by the Merchant was not addressed by the Issuer in the Dispute
l The Dispute is invalid

ID# 0030359 Edition: Oct 2024 | Last Updated: Oct 2021

11.11 Arbitration

11.11.1 Required Documentation for Arbitration

When seeking Arbitration, a Member must provide, in English, the information required in the Visa
Resolve Online Questionnaire for each Transaction, and all relevant supporting documentation.
A Member must not submit documentation or information to Interlink that was not previously
submitted to the opposing Member.

19 October 2024 Visa Public 308

ID# 0030225 Edition: Oct 2024 | Last Updated: Apr 2018

11.12 Compliance

11.12.1 Compliance Filing Conditions

Unless otherwise specified, a Member may file for Compliance if all of the following occur:
l A violation of the Visa Rules occurred that is not related to an Account Data Compromise Event.
l The Member has no Dispute, Dispute Response, or pre-Arbitration right.
l The Member incurred or will incur a financial loss as a direct result of the violation.
l The Member would not have incurred the financial loss had the violation not occurred.
l The Member made a pre-Compliance attempt to resolve the dispute with the opposing Member
and the opposing Member does not accept financial liability.
The pre-Compliance attempt must include both:
l All pertinent documentation
l Specific violation of the Interlink Rules

ID# 0030226 Edition: Oct 2024 | Last Updated: Oct 2022

11.12.2 Compliance Time Limits

A Member must not exceed the time limits specified for Compliance, as follows:

Table 11-109: Pre-Compliance Time Limits

Process Step Time Limit

Make pre-Compliance Attempt One of the following:

l At least 30 calendar days before filing for Compliance
l For a Dispute in which Visa Resolve Online (VROL) prevented a change
of Dispute category, 29 calendar days from the Processing Date of the
pre-Arbitration attempt
l For a pre-Compliance attempt for Rapid Dispute Resolution – Credit
Issued, 29 calendar days from the Processing Date of the Dispute

Accept financial responsibility 30 calendar days from the pre-Compliance attempt date
and credit requesting Member

19 October 2024 Visa Public 309

Table 11-110: Compliance Time Limits

Process Step Time Limit

For a Compliance filing 90 calendar days from the later of either:

involving a fraudulent credit l Processing Date of the credit Reversal
l Processing Date of the use of the funds that relate to the fraudulent
Credit Transactions

For a Compliance filing 60 calendar days from the Processing Date of the pre-Arbitration attempt
involving a Dispute in which
VROL prevented a change of
Dispute category

For a Compliance filing due to 60 calendar days from the Processing Date of the Dispute
Rapid Dispute Resolution –
Credit Issued

For all other Compliance filings 90 calendar days from one of the following:
l Processing Date
l Violation date
l Date the Member discovered that a violation occurred (not to exceed 2
years from the Transaction Date), if no evidence of the violation was
previously available to the Member1
1
A Member must provide evidence that this was the date on which the financial loss was discovered.

ID# 0030227 Edition: Oct 2024 | Last Updated: Apr 2023

11.12.3 Compliance Conditions and Required Documentation

When seeking Compliance, a Member must provide all of the following:
l The information required in the Visa Resolve Online Questionnaire for each Transaction
l Documentation substantiating that a financial loss would not have resulted if the violation had not
occurred.
l If applicable, the documentation shown in the tables in this section
l Other relevant supporting documentation

19 October 2024 Visa Public 310

A Member must not submit documentation or information to Interlink that was not previously
submitted to the opposing Member.

Table 11-111: Chargeback Reduction Service Returned or VROL Prevented Valid Dispute, Dispute Response,
or Pre-Arbitration Attempt for Invalid Data

Compliance Condition

The Chargeback Reduction Service returned or Visa Resolve Online (VROL) prevented a valid Dispute,1
Dispute Response, or pre-Arbitration attempt resulting from either:
l A Member transmitting invalid data
l A Visa back-office platform failure

Required Documentation

Both:
l Evidence of incorrect or invalid data or a Visa back-office platform failure
l Evidence that the Member was able to meet the conditions for a Dispute, Dispute Response, or pre-
Arbitration attempt
1
This includes Transactions for which the Issuer has previously initiated a Dispute under Dispute category 10 (Fraud)
based on invalid data but is prevented by VROL from continuing the dispute using Dispute category 13 (Consumer
Disputes).

Table 11-112: Rapid Dispute Resolution – Credit Issued

Compliance Condition

The Issuer or Cardholder was reimbursed twice for the same Transaction as a result of both:
l A credit or Reversal processed on or before the Processing Date of the Dispute1
l A Dispute processed through Rapid Dispute Resolution

Required Documentation

Acquirer certification of both:

l Date and amounts of the credit or Reversal
l Date and amounts of the Dispute processed through Rapid Dispute Resolution
1
This includes if a credit Authorization was approved on or before the Processing Date of the Dispute. The credit must
have settled within the required timeframes specified in the Interlink Rules.

19 October 2024 Visa Public 311

ID# 0030228 Edition: Oct 2024 | Last Updated: Apr 2023

11.12.4 Data Compromise Recovery

A violation involving failure to comply with the PIN Management Requirements Documents or
Payment Card Industry Data Security Standard (PCI DSS) that could allow a compromise of Magnetic-
Stripe Data is not resolved through the Compliance process. Such violations are resolved through the
Global Compromised Account Recovery program.

ID# 0030230 Edition: Oct 2024 | Last Updated: Oct 2023

11.13 Arbitration and Compliance Decision

11.13.1 Arbitration and Compliance Filing Authority

An Arbitration or Compliance request must be filed with Interlink.

ID# 0030366 Edition: Oct 2024 | Last Updated: Apr 2018

11.13.2 Use of V.I.P. System Authorization Records in Arbitration and Compliance

If the Issuer’s and Acquirer’s Authorization records for a Transaction do not match, the V.I.P. System
Authorization record prevails at Arbitration and Compliance.

ID# 0030368 Edition: Oct 2024 | Last Updated: Apr 2018

11.13.3 Withdrawal of an Arbitration or Compliance Case

Effective for Arbitration or Compliance requests processed through 18 October 2024 The
requesting Member may withdraw its Arbitration or Compliance request within 7 calendar days from
the Interlink acknowledgement date and will be assigned financial liability.
If a case is withdrawn, Interlink will debit or credit through Visa Resolve Online (VROL) the Members
involved, if necessary, based on the final determination of responsibility for the Dispute amount.
Effective for Arbitration or Compliance requests processed on or after 19 October 2024 A
requesting Member may withdraw a case if financial liability has not been assigned.
If a case is withdrawn, Interlink will both:

19 October 2024 Visa Public 312

l Collect the review fees through the Visa Global Billing Platform
l Debit or credit through Visa Resolve Online (VROL) the Member accepting responsibility, if
necessary, based on the final determination of responsibility for the Dispute amount

ID# 0030370 Edition: Oct 2024 | Last Updated: Oct 2024

11.13.4 Conditions for an Appeal to the Arbitration and Compliance Committee

A Member may appeal a decision by the Arbitration and Compliance Committee only if both:
l The Member can provide new evidence not previously available at the time the original case was
filed.
l The disputed amount is at least USD 5,000 (or local currency equivalent).

ID# 0030373 Edition: Oct 2024 | Last Updated: Apr 2018

11.13.5 Appeal Time Limit

The adversely affected Member must file any appeal within 60 calendar days of the Notification date
of the decision by the Arbitration and Compliance Committee.

ID# 0030374 Edition: Oct 2024 | Last Updated: Apr 2018

11.13.6 Appeal Review Fee

The requesting Member must not collect the review fee from the opposing Member if the original
decision is reversed.

ID# 0030375 Edition: Oct 2024 | Last Updated: Apr 2020

19 October 2024 Visa Public 313

12 Fees and Non-Compliance Assessments

12.1 Issuance Non-Compliance Assessments

12.1.1 Fraud Activity Reporting Non-Compliance Assessments

12.1.1.1 Issuer Fraud Activity Reporting Non-Compliance Assessments

If an Issuer does not comply with the fraud reporting requirements specified in Section 1.9.3.3, Issuer
Fraud Activity Reporting, the Issuer is subject to non-compliance assessments, as specified in Section
1.11.2.2, General Non-Compliance Assessment Schedules.

ID# 0028308 Edition: Oct 2024 | Last Updated: Apr 2018

12.1.1.2 Chip Interoperability Compliance Program Non-Compliance Assessments

A Member is subject to the non-compliance assessments specified in Table 12-1, Member Non-
Compliance Assessments for Non-Compliance with the Chip Interoperability Compliance Program, if
Interlink determines that the Member or its agent has violated the Chip Interoperability Compliance
Program by failing to either:
l Establish and commit to an agreed Chip interoperability resolution plan
l Make satisfactory progress toward resolution under an agreed Chip interoperability resolution plan

Table 12-1: Member Non-Compliance Assessments for Non-Compliance with the Chip Interoperability
Compliance Program

Violation Month Interlink Action, Notification, or Non-Compliance Assessment

Initial identification Month 1 Member receives Notification that Interlink will take action if the
and confirmation of situation is not addressed to the satisfaction of Interlink within
a violation 30 calendar days

Unaddressed Month 2 Interlink discontinues any Member incentives associated with

violation deployment of products that have been identified as
contributors to interoperability problems. Interlink may also
suspend other incentives.

Interlink issues a second Notification that non-compliance

assessments may apply if the situation is not corrected to the
satisfaction of Interlink within 60 calendar days of the second

19 October 2024 Visa Public 314

Table 12-1: Member Non-Compliance Assessments for Non-Compliance with the Chip Interoperability Com-
pliance Program (continued)

Violation Month Interlink Action, Notification, or Non-Compliance Assessment

Notification.

Unaddressed Months 4-5 Member is assessed USD 25,000 per month

violation

Unaddressed Month 6 and Member is assessed USD 50,000 per month

violation subsequent months

ID# 0001292 Edition: Oct 2024 | Last Updated: Apr 2022

12.2 Acceptance Non-Compliance Assessments

12.2.1 Marketplace Non-Compliance Assessments

12.2.1.1 Marketplace Non-Compliance Assessments

Interlink will impose non-compliance assessments on an Acquirer that fails to meet Marketplace
requirements, as follows:1

Table 12-2: Non-Compliance Assessments for Member Failure to Meet Marketplace Requirements

Violation Interlink Action/Non-Compliance Assessment

Initial failure to meet Marketplace requirements Warning letter issued and non-compliance
assessment of USD 25,000

30 calendar days have passed after response due USD 50,000

and the initial failure has not been corrected

60 calendar days have passed after response due USD 100,000

and the initial failure has not been corrected

90 calendar days have passed after response due USD 150,000

and the initial failure has not been corrected

120 calendar days have passed after response due USD 200,000
and the initial failure has not been corrected

19 October 2024 Visa Public 315

Table 12-2: Non-Compliance Assessments for Member Failure to Meet Marketplace Requirements (con-
tinued)

Violation Interlink Action/Non-Compliance Assessment

150 calendar days have passed after response due USD 250,000
and the initial failure has not been corrected
Non-compliance assessments will continue to be
levied each month until the rule violation is corrected,
with the amount increasing at Visa discretion.
1
Interlink requirements apply to a Marketplace only in connection with a qualified Card-Absent Interlink Transaction.

ID# 0030659 Edition: Oct 2024 | Last Updated: Apr 2023

12.2.2 Dynamic Currency Conversion (DCC)

12.2.2.1 Dynamic Currency Conversion (DCC) Non-Compliance Assessments

Interlink may, at its discretion, audit Acquirers and their Merchants to ensure compliance with the
Dynamic Currency Conversion (DCC) requirements. If the result of an audit identifies any Merchant
Outlet violation, the Acquirer is subject to both:
l A non-refundable non-compliance assessment of up to USD 10,000, or USD 50,000 depending on
the nature of the violation
l The Tier 2 general schedule of non-compliance assessments, as specified in Section 1.11.2.2,
General Non-Compliance Assessment Schedules.

ID# 0030703 Edition: Oct 2024 | Last Updated: Apr 2023

12.4 Risk Non-Compliance Assessments

12.4.1 Account and Transaction Information Security Non-Compliance

Assessments

12.4.1.1 Account Information Security Program Non-Compliance Assessments

A Member deemed non-compliant with the Account Information Security Program is subject to a
non-compliance assessment as set out in the Account Information Security (AIS) Program Guide.

ID# 0008193 Edition: Oct 2024 | Last Updated: Oct 2024

19 October 2024 Visa Public 316

12.4.1.2 Account and Transaction Information Security Requirements

If Interlink determines that a Member or its agent has been deficient or negligent in securely
maintaining account or Transaction Information, or reporting or investigating the loss of this
information, Interlink may impose a non-compliance assessment on the Member, as specified in
Section 12.4.1.1, Account Information Security Program Non-Compliance Assessments, or require the
Member to take immediate corrective action.
Effective through 24 April 2024 The Acquirer must do all of the following:
l Report to Interlink its compliance with the Payment Card Industry Data Security Standard (PCI DSS)
l Report and verify to Interlink, at least every 6 months, its Merchants’ status of PCI DSS compliance
l Ensure that its level 3 and 4 Electronic Commerce Merchants either:
– Exclusively use a service provider that is PCI DSS-compliant
– Provide to the Acquirer certification of the Merchant’s PCI DSS compliance
l Ensure that its level 1 and 2 Merchants and its Airline and Lodging Merchants meet the compliance
thresholds mandated by Interlink
Effective 25 April 2024 The Member must do all of the following:
l Report to Interlink its compliance with the Payment Card Industry Data Security Standard (PCI DSS),
as set out in the Account Information Security (AIS) Program Guide
l Report and verify to Interlink, at least every 6 months, its Merchants’ status of PCI DSS compliance
l Ensure that its level 3 Merchants either:
– Exclusively use a service provider that is PCI DSS-compliant
– Provide to the Acquirer validation documentation of the Merchant’s PCI DSS compliance
Effective 25 April 2024 The criteria for each Merchant’s level is set out in the Account Information
Security (AIS) Program Guide.

ID# 0001753 Edition: Oct 2024 | Last Updated: Oct 2024

12.4.1.3 Non-Compliance Assessment for Failure to Notify and Respond to

Transaction Information Loss or Theft
An Interlink Member that fails to notify Interlink immediately of the suspected or confirmed loss or
theft of any Interlink Transaction Information, or fails to respond to the loss or theft of such
information, in an adequate and/or timely manner, is subject to a non-compliance assessment of up
to USD 100,000 per incident, as specified in the What to Do if Compromised.

19 October 2024 Visa Public 317

ID# 0003524 Edition: Oct 2024 | Last Updated: Apr 2022

12.4.2 Anti-Money Laundering Program Non-Compliance Assessments

12.4.2.1 Failure to Return an Anti-Money Laundering/Anti-Terrorist Financing

Questionnaire Non-Compliance Assessments
Effective through 19 July 2024 Interlink imposes non-compliance assessments specified in the Tier 2
schedule in Section 1.11.2.2, General Non-Compliance Assessment Schedules for failure of a Member
to return to Interlink a completed Anti-Money Laundering/Anti-Terrorist Financing (AML/ATF),
Sanctions and Anti-Bribery Compliance Program Questionnaire, as specified in Section 1.9.1.5, Interlink
Anti-Money Laundering Program – Member Requirements, or to respond to follow-up questions or
inquiries.

ID# 0026362 Edition: Oct 2024 | Last Updated: Oct 2024

12.4.3 Authentication Non-Compliance Assessments

12.4.3.1 PIN Security Non-Compliance Assessments

A Member may be subject to a non-compliance assessment set out in Section 1.11.2.2, General Non-
Compliance Assessment Schedules for its or its agent’s failure to comply with any of the requirements
in the PIN Management Requirements Documents.

ID# 0001288 Edition: Oct 2024 | Last Updated: Oct 2023

12.4.4 Visa Monitoring Program Non-Compliance Assessments

12.4.4.1 Risk Monitoring Programs Data Quality Non-Compliance Assessments

Effective through 31 March 2025 If Interlink determines that an Acquirer or its Merchant1 changed,
modified, or altered the Merchant name, Merchant data, or Merchant performance in any way to
circumvent any monitoring program such as the Visa Integrity Risk Program (VIRP), Interlink may
impose a non-compliance assessment of USD 25,000 per Merchant Outlet, per month, to the
Acquirer.1
Effective 1 April 2025 If Visa/Interlink determines that an Acquirer, a Merchant, a Sponsored
Merchant, or a Third Party Agent changed, modified, or altered the Merchant name, Merchant data,
or Merchant performance in any way to circumvent the Visa Integrity Risk Program (VIRP),
Visa/Interlink may do either or both:

19 October 2024 Visa Public 318

l Impose a non-compliance assessment of USD 25,000 per Merchant or Sponsored Merchant, per
month to the Acquirer.
l Permanently disqualify the Merchant, or Sponsored Merchant, and its principals from participating
in the Visa system.
1
For Card-Absent Environment Merchants, the requirements apply only in connection with qualified Card-Absent Interlink
Transactions.

ID# 0030702 Edition: Oct 2024 | Last Updated: Apr 2023

12.4.6 Non-Compliance Assessments Related to Agents

12.4.6.1 Third Party Agent Non-Compliance Assessments

Effective through 19 July 2024 Interlink assesses non-compliance assessments to a Member that fails
to comply with the substance of Third Party Agent requirements, including non-payment of non-
compliance assessments to Interlink.
Effective through 19 July 2024 A Member that fails to comply with Third Party Agent requirements is
subject to a non-compliance assessment

ID# 0025901 Edition: Oct 2024 | Last Updated: Oct 2024

12.5 Fees – General

12.5.1 Fee Assessment and Responsibility

12.5.1.1 Assessment of Card Royalty Fees

Interlink assesses a quarterly per-Card royalty fee for each operational Card, whether or not the Card
bears the Interlink Marks, as specified in the applicable Fee Schedule.

ID# 0030396 Edition: Oct 2024 | Last Updated: Apr 2018

12.5.1.2 Assessment of Interlink Switch Fees

Interlink Issuers and Acquirers are assessed an Interlink Switch Fee as specified in the applicable Fee
Schedule.
The Interlink Switch fee is assessed to an Acquirer for a Transaction if either:

19 October 2024 Visa Public 319

l Interlink is the only network associated with the Card, regardless of whether the transaction is
processed through the Interlink Switch
l Multiple networks are associated with the Card and the Transaction is processed through the
Interlink Switch

ID# 0030397 Edition: Oct 2024 | Last Updated: Apr 2018

12.5.1.3 Assessment of VisaNet Exception File Service Fees

Interlink assesses fees to an Issuer for VisaNet Visa Account Screen processing as specified in the
applicable Fee Schedule.

ID# 0030398 Edition: Oct 2024 | Last Updated: Apr 2018

12.5.1.4 Interlink Network Settlement and Reconciliation Fees

Interlink assesses Settlement and reconciliation fee to its Members as specified in the applicable Fee
Schedule.

ID# 0030399 Edition: Oct 2024 | Last Updated: Apr 2018

12.5.1.5 Interlink Network Testing and Certification Fees

Interlink assesses a fee, as specified in the applicable Fee Schedule when an Interlink Member uses
the VisaNet Test System for either:
l VisaNet certification or re-certification
l User-requested testing of an authorizing Processor or Visa Merchant Direct Exchange Merchant

ID# 0030400 Edition: Oct 2024 | Last Updated: Apr 2018

12.5.1.6 VisaNet Endpoint Access Monthly Fees

Interlink assesses a monthly VisaNet access fee to an authorizing Processor as specified in the
applicable Fee Schedule if the VisaNet endpoint only processes Interlink Transactions.
The VisaNet endpoint fee is assessed as follows:
l Based on data communications and VisaNet Access Point capacity required to support the
projected peak hour V.I.P. System message volume

19 October 2024 Visa Public 320

l Starting with the date of installation of the VisaNet Access Point

l For each VisaNet Access Point using a PC-based configuration1
VisaNet Access Point charges and additional requirements related to monthly access fees are
available from Interlink upon request.
1
Includes other applicable technologies.

ID# 0030401 Edition: Oct 2024 | Last Updated: Apr 2018

12.5.1.7 International Service Assessment (ISA) Fees

Interlink Issuers and Acquirers are subject to an International Service Assessment fee as specified in
the applicable Fee Schedule.

ID# 0030402 Edition: Oct 2024 | Last Updated: Apr 2018

12.5.1.8 Acquirer Exception Item Processing Fees

Interlink assesses a monthly fee to an Acquirer for each exception item Transaction processed in
excess of 0.15 percent of the total Transactions settled for 2 consecutive months, as specified in the
applicable Fee Schedule. The exception item fee does not apply for 90 days after the Acquirer
commences active participation in the Interlink Network.

ID# 0030403 Edition: Oct 2024 | Last Updated: Apr 2018

12.5.1.9 Assessment of Non-Member Registration Fees

Interlink assesses an initial registration fee and an annual fee to an Interlink Member for Agents
(Independent Sales Organizations (ISOs), Encryption Support Organizations (ESOs) or Processors
registered in the Non-Member Registration Program, as specified in the applicable Fee Guide.
Only one registration fee and annual fee is assessed regardless of whether the Agent is registered
with Visa U.S.A., Interlink Network, or both.
Interlink waives the annual fee for the calendar year in which the Interlink Member has paid the initial
registration fee.

ID# 0030404 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 321

12.5.1.10 Assessment of Dynamic Currency Conversion Fees

An Acquirer that participates in Dynamic Currency Conversion (DCC) must pay an annual program fee
as specified in the applicable Fee Schedule.

ID# 0030395 Edition: Oct 2024 | Last Updated: Apr 2018

12.6 Member-to-Member Fees

12.6.1 Fee Assessment and Responsibility

12.6.1.1 Disclaimer of Liability for Fee Collections Made in Error

Interlink is not liable for fee collections, including automated clearing house (ACH) collections made
in error, except through intentional misconduct.

ID# 0007883 Edition: Oct 2024 | Last Updated: Oct 2014

12.6.1.2 Automated Clearing House Service Authorization Agreement

Interlink will provide a Member or Processor with the appropriate fee collection and funds
disbursement agreement, including an Automated Clearing House (ACH) authorization agreement
for Fee Collection Transactions and Funds Disbursement Transactions. This agreement must be
signed and returned to Interlink before the initiation of any Fee Collection Transactions and Funds
Disbursement Transaction.
The signed agreement remains valid for all Fee Collection Transactions and Funds Disbursement
Transactions until the Member or Processor notifies Interlink of either:
l Its replacement by a new agreement
l Revocation of the agreement because the Member or Processor was terminated

ID# 0007974 Edition: Oct 2024 | Last Updated: Oct 2014

12.6.1.3 Fee Collection and Funds Disbursement Service Requirements

Upon Interlink request, a Member or Processor must provide all of the following, as appropriate, for
the purpose of collecting fees and disbursing funds:

19 October 2024 Visa Public 322

l Signed Automated Clearing House Authorization Agreement or other relevant agreement

l Relevant financial institution information (example: depository account number, transit/routing
number)
If any account information (such as the account number or financial institution) changes, the Member
or Processor must both:
l Notify Interlink at least 10 calendar days before the effective date of the change
l Submit the applicable agreement with the change

ID# 0008067 Edition: Oct 2024 | Last Updated: Oct 2014

12.6.1.4 Fee Collection and Funds Disbursement Requirements for Principal/Group

Members
Upon Interlink request, a Principal, Group, Administrative or Acquirer Member, or an applicant for
Principal, Group, Administrative or Acquirer membership, must comply with Section 12.6.1.3, Fee
Collection and Funds Disbursement Service Requirements, for the purpose of collecting fees and
disbursing funds through the appropriate fee collection and funds disbursement service.

ID# 0007885 Edition: Oct 2024 | Last Updated: Oct 2014

12.6.1.5 Initial Service Fee Collections

Interlink may collect initial service fees through the appropriate Fee Collection and Funds
Disbursement service, including Automated Clearing House (ACH) service if applicable, from all new
Principal, Group, Administrative and Acquirer Members.

ID# 0007884 Edition: Oct 2024 | Last Updated: Oct 2014

12.6.1.6 Liability for Use of Non-Approved Fee Collection and Funds Disbursement
Service
An Interlink Member or Processor that is required to use the Automated Clearing House (ACH) or
another appropriate service for Fee Collection Transaction and Funds Disbursement Transaction may
be required to reimburse Interlink for any expense incurred for processing any payment made by
different means.

ID# 0007882 Edition: Oct 2024 | Last Updated: Oct 2014

19 October 2024 Visa Public 323

12.6.1.7 Rejection of Fee Collection and Funds Disbursement Transactions

Interlink may require a same-day wire transfer, or initiate a Fee Collection Transaction through
VisaNet, if a valid Fee Collection Transaction or a Funds Disbursement Transaction is rejected or
cannot be initiated for any reason, including:
l A Member did not comply with Section 12.6.1.3, Fee Collection and Funds Disbursement Service
Requirements
l Existing Automated Clearing House (ACH) authorization agreement was revoked before a
replacement authorization agreement took effect

ID# 0007881 Edition: Oct 2024 | Last Updated: Oct 2014

12.6.1.8 Fee Collections and Funds Disbursement Notification for Non-Compliance

Assessments
Interlink notifies a Member before initiating any Fee Collection Transaction or Funds Disbursement in
connection with non-compliance assessments.

ID# 0030405 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 324

Appendix A

Visa Supplemental Requirements

Visa Supplemental Requirements (Enforceable Documents and Websites)

Visa Supplemental Requirements List

Visa Supplemental Requirements

Title

Acceptance

DCC Guide

Visa Merchant Data Standards Manual

Brand

Visa Product Brand Standards

Card/Payment Device Technology

EMV Integrated Circuit Card Specifications for Payment Systems (EMV)

Visa Chip Security Program – Security Testing Process

Interchange Reimbursement Fees (IRF)

Interchange Reimbursement Fee Compliance Process Guide

Payment Card Industry Security Standards Council (PCI SSC)

Payment Card Industry Data Security Standard (PCI DSS)

Payment Card Industry (PCI) Software Security Framework (SSF) Standards

Products and Services

Visa ReadyLink Service Description and Implementation Guidelines

Risk

19 October 2024 Visa Public 326

Title

Account Information Security (AIS) Program Guide

Fraud Reporting System (FRS) User’s Guide

Visa Integrity Risk Program Guide

Settlement

Visa Settlement Funds Transfer Guide

Transaction Processing

Visa Direct Account Funding Transaction (AFT) Processing Guide

Visa Direct Original Credit Transaction (OCT) – Global Implementation Guide

VisaNet Manuals

BASE II Clearing Data Codes

BASE II Clearing Edit Package Operations Guide

BASE II Clearing Interchange Formats, TC 01 to TC 49

BASE II Clearing Interchange Formats, TC 50 to TC 92

BASE II Clearing PC Edit Package for Windows User’s Guide

BASE II Clearing Services

BASE II Clearing System Overview

Full Service ATM Online Messages Processing Specifications (International)

Full Service ATM Online Messages Technical Specifications

Full Service POS Online Messages Processing Specifications (International)

Full Service POS Online Messages Technical Specifications

V.I.P. System BASE I Processing Specifications

V.I.P. System Overview

V.I.P. System Services

19 October 2024 Visa Public 327

Title

V.I.P. System SMS Interlink Client Implementation Guide

V.I.P. System SMS Interlink Technical Specifications

V.I.P. System SMS Processing Specifications (U.S.)

V.I.P. System VisaNet Authorization-Only Online Messages Technical Specifications

VisaNet Settlement Service (VSS) User’s Guide, Volume 1, Specifications

VisaNet Settlement Service (VSS) User’s Guide, Volume 2, Reports

ID# 0028043 Edition: Oct 2024 | Last Updated: Oct 2024

19 October 2024 Visa Public 328

Glossary

0 A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
Term Definition
0-9
No glossary terms
available for 0-9.
ID# 0030667 Edition: Oct 2024 | Last Updated: Oct 2019

A
Acceptance Device A device owned or managed by an Interlink Member or a Merchant that
can read a Card to complete an Interlink Transaction in a Card-Present
Environment.
A device owned or managed by the Cardholder that is used to read the
Cardholder’s own Card is not an Acceptance Device.

ID# 0029278 Edition: Oct 2024 | Last Updated: Apr 2024

Acceptance Mark The Mark that denotes Point-of-Transaction acceptance for payment
under specific rules.

ID# 0030487 Edition: Oct 2024 | Last Updated: Apr 2018

Account A checking, savings or other designated account, other than an

occasional or incidental credit balance in a credit plan, maintained with
an Issuer.

ID# 0030488 Edition: Oct 2024 | Last Updated: Apr 2018

Account Data An event in which account data is put at risk.

Compromise Event
ID# 0026743 Edition: Oct 2024 | Last Updated: Oct 2015

Account Funding A Card-Absent Interlink Transaction where funds are pulled from a non-
Transaction Visa account and are subsequently used to fund another Visa or non-
Visa account, or funding for the acquisition of Liquid and Cryptocurrency
Assets.

ID# 0024213 Edition: Oct 2024 | Last Updated: Oct 2023

Account Information A program managed by Visa that defines the standards of due care and
Security Program enforcement for protecting sensitive Cardholder information and
supports both:

19 October 2024 Visa Public 330

l Payment Card Industry Data Security Standard (PCI DSS)

l Payment Card Industry (PCI) Software Security Framework (SSF)
Standards

ID# 0024215 Edition: Oct 2024 | Last Updated: Apr 2024

Account Number An Issuer-assigned Payment Credential that identifies an account in

order to post a Transaction.

ID# 0024216 Edition: Oct 2024 | Last Updated: Apr 2020

Acquirer An Interlink Member that signs a Merchant or Payment Facilitator, and

directly or indirectly submits Transactions into Interchange.

ID# 0024219 Edition: Oct 2024 | Last Updated: Apr 2023

Acquirer Processor A non-Member agent or processor that a Member has engaged to

support its Interlink acquiring business.

ID# 0024225 Edition: Oct 2024 | Last Updated: Apr 2023

Acquirer Reference An identification number included in a Clearing Record.

Number
ID# 0024226 Edition: Oct 2024 | Last Updated: Oct 2016

Acquiring Identifier A 6-digit identifier licensed by Visa to an Acquirer and that is used to
identify an Acquirer.

ID# 0030646 Edition: Oct 2024 | Last Updated: Oct 2019

Acquiring Identifier An Acquirer that is allocated responsibility by Visa/Interlink for a specific

Licensee Acquiring Identifier.

ID# 0030644 Edition: Oct 2024 | Last Updated: Apr 2024

Activity File Parameters Maximum limits that an Issuer establishes on the number and value of
Transactions that Interlink may authorize on its behalf.

ID# 0030489 Edition: Oct 2024 | Last Updated: Apr 2018

Address Verification A service through which a Merchant verifies a Cardholder’s billing

Service address.
Where a Member uses Visa/Interlink for processing, the Address
Verification Service is a VisaNet service.

ID# 0024238 Edition: Oct 2024 | Last Updated: Apr 2023

Adjustment A financial Transaction used to partially or fully negate or cancel a

19 October 2024 Visa Public 331

transaction that has been sent through Interchange in error.

ID# 0024241 Edition: Oct 2024 | Last Updated: Oct 2021

Administrative Member An Interlink Member, as defined in the Interlink Network, Inc. Bylaws.

ID# 0030490 Edition: Oct 2024 | Last Updated: Apr 2018

Advance Payment A Transaction for the partial or full cost of goods or services that will be
provided to the Cardholder at a later time.

ID# 0030637 Edition: Oct 2024 | Last Updated: Apr 2020

Affiliate An entity that controls, is controlled by, or, is under common control of
an Interlink Member, including a parent or subsidiary of an Interlink
Member, or is sponsored by an Interlink Member.

ID# 0029703 Edition: Oct 2024 | Last Updated: Apr 2018

Affiliate Member An Interlink Member accepted as an affiliate Interlink Member, as

defined in the Interlink Network, Inc. Bylaws.

ID# 0030661 Edition: Oct 2024 | Last Updated: Apr 2018

Affinity/Co-Brand A program or partnership based on a contractual agreement between an

Issuer and a Member or non-Member for the issuance of Cards bearing
the Affinity/Co-Brand partner’s Trade Name or Mark.

ID# 0029280 Edition: Oct 2024 | Last Updated: Oct 2018

Agent An entity that acts as a VisaNet Processor, a Third Party Agent, or both.

ID# 0025920 Edition: Oct 2024 | Last Updated: Apr 2020

Aggregated Transaction A single Transaction that combines multiple purchases made by the
same Cardholder on the same Payment Credential at the same Merchant
during a defined time period and up to a defined amount.
An Aggregated Transaction on Interlink Network must qualify as a Card-
Absent Interlink Transaction.

ID# 0024270 Edition: Oct 2024 | Last Updated: Apr 2020

Airline A Merchant that transports passengers on an aircraft.

ID# 0024273 Edition: Oct 2024 | Last Updated: Apr 2023

Airline Authorizing A Visa-approved non-Member whose primary function is to provide

Processor reservation and Authorization services for Airline Transactions, or travel-

19 October 2024 Visa Public 332

related services that include the purchase of an Airline ticket.

ID# 0024274 Edition: Oct 2024 | Last Updated: Oct 2014

Alternate Routing A unique identifier assigned by Interlink, to Interlink Point-of-

Identifier Transaction Acquirers for identifying the acquiring institution.

ID# 0030513 Edition: Oct 2024 | Last Updated: Apr 2023

Ancillary Purchase The purchase of goods and services, other than a passenger ticket,
Transaction completed at an Airline or a US passenger railway Merchant.
An Ancillary Purchase Transaction completed on Interlink Network in the
Card-Absent Environment must qualify as a Card-Absent Interlink
Transaction.

ID# 0029155 Edition: Oct 2024 | Last Updated: Apr 2023

Anti-Money Laundering A program that an Interlink Member implements and maintains to

Program prevent money laundering and terrorist financing.

ID# 0024280 Edition: Oct 2024 | Last Updated: Apr 2018

Application Identifier An EMV-compliant data label encoded on a Chip Card and loaded on a
Chip Reading Device that is used to identify mutually supported
payment applications.

ID# 0029281 Edition: Oct 2024 | Last Updated: Oct 2015

Application Transaction A counter within the application on a contact Chip or Contactless Card
Counter that tracks the number of times the Chip is read and that is used by the
Issuer during the Authorization process.

ID# 0024286 Edition: Oct 2024 | Last Updated: Apr 2018

Approval Response An Authorization Response where the Transaction was approved.

ID# 0024287 Edition: Oct 2024 | Last Updated: Apr 2023

Arbitration A process where Interlink determines financial liability between

Members for Interchange Transactions that are presented and have
completed the Dispute cycle.

ID# 0024289 Edition: Oct 2024 | Last Updated: Apr 2018

Arbitration and An Interlink committee that resolves certain disputes between Members
Compliance Committee that arise from Disputes or from violations of the Visa Rules.

19 October 2024 Visa Public 333

ID# 0024290 Edition: Oct 2024 | Last Updated: Apr 2018

Associate-Type Member A Member of Interlink that is an Associate with rights and

responsibilities, as defined in the applicable Interlink Charter
Documents.

ID# 0024293 Edition: Oct 2024 | Last Updated: Apr 2018

Authentication A cryptographic process that validates the identity and integrity of Chip
data.

ID# 0024303 Edition: Oct 2024 | Last Updated: Apr 2010

Authorization A process where an Issuer, a VisaNet Processor, or Stand-In Processing

approves a Transaction.

ID# 0024316 Edition: Oct 2024 | Last Updated: Oct 2018

Authorization Request A Merchant or Acquirer request for an Authorization.

ID# 0024319 Edition: Oct 2024 | Last Updated: Oct 2014

Authorization Response An Issuer’s reply to an Authorization Request or Account Number

Verification that refers to the following types of Authorization
Responses:
l Approval Response
l Decline Response
l Pickup Response

ID# 0024321 Edition: Oct 2024 | Last Updated: Oct 2017

Authorized Participant A non-Member participant that has written authorization from

Visa/Interlink to participate in a relevant Visa/Interlink program
governed by the Visa/Interlink Rules (and associated enrollment or
participation forms, if any).

ID# 0030707 Edition: Oct 2024 | Last Updated: Apr 2023

Automated Fuel Dispenser An Unattended Cardholder-Activated Terminal that dispenses only fuel
such as gasoline, diesel fuel, or propane, and accepts PINs.

ID# 0024328 Edition: Oct 2024 | Last Updated: Apr 2018

B
Back-to-Back Funding A payment flow that automatically transfers value via a real-time or live-

19 October 2024 Visa Public 334

load funding Transaction or transaction that is directly connected to a

specific purchase.
In Back-to-Back Funding, both:
l Two separate accounts are involved. One account is used to make
the purchase, and the other automatically funds or reimburses that
account.
l Both accounts are held by the same person or corporate entity, and
at least one account is an Interlink account.
In Back-to-Back Funding, either:
l The funding or reimbursement amount exactly matches the amount
of the purchase.
l The purchase is partially funded by an existing balance, and the
funding or reimbursement Transaction or transaction amount
equals the remainder of the purchase amount.
Back-to-Back Funding does not include:
l An Unscheduled Credential-on-File Transaction for a fixed amount
to reload the account
l The funding of a Card that accesses funds on deposit at an
organization other than that of the Issuer of the Card (“decoupled
debit”)

ID# 0030710 Edition: Oct 2024 | Last Updated: Apr 2023

BID Business Identification Number. An 8-digit numeric assigned by

Visa/Interlink that uniquely identifies an institution.

ID# 0031043 Edition: Oct 2024 | Last Updated: Apr 2024

Bill Payment Transaction A Transaction that results from an agreement between a Cardholder and
a Merchant made in advance of the Cardholder being billed for goods or
services conducted within an ongoing service cycle. Transactions may
occur monthly or on a periodic basis. Such Transactions include:
l Single payments initiated by the Cardholder in a Card-Absent
Environment
l Recurring Transactions
l Installment Transactions
If the Bill Payment Transaction is initiated in the Card-Absent

19 October 2024 Visa Public 335

Environment, it must qualify as a Card-Absent Interlink Transaction.

ID# 0024350 Edition: Oct 2024 | Last Updated: Apr 2023

Billing Currency The currency in which an Issuer bills a Cardholder for Transactions, or
debits the associated Cardholder account.

ID# 0024349 Edition: Oct 2024 | Last Updated: Oct 2016

BIN Bank Identification Number. Either:

l A 6-digit identifier assigned by ISO to Visa and then licensed by
Visa to an Issuer before 22 April 2022 and that comprises the first 6
digits of an Account Number.
l An 8-digit identifier assigned by ISO to Visa and then licensed by
Visa to an Issuer and that comprises the first 8 digits of an Account
Number.

ID# 0024351 Edition: Oct 2024 | Last Updated: Oct 2019

BIN Licensee An Issuer that is allocated responsibility by Visa for a specific BIN.

ID# 0024352 Edition: Oct 2024 | Last Updated: Oct 2019

BIN User An Issuer authorized to use a BIN licensed to its Sponsor.

ID# 0025530 Edition: Oct 2024 | Last Updated: Oct 2019

Board of Directors The Interlink Board of Directors.

ID# 0024354 Edition: Oct 2024 | Last Updated: Oct 2016

Business Day A day on which an Interlink Member is open to the public for carrying on
substantially all its business functions. The day of acceptance or
Authorization by an Interlink Member of Transactions does not, of itself,
constitute that day as a Business Day.

ID# 0030493 Edition: Oct 2024 | Last Updated: Apr 2018

C
Campus Card A Card issued to a student, staff member, or faculty member of an
educational organization as an integral part of a campus program that:
l May bear the Interlink Mark
l Includes one or more of the following applications: identification,
building access, library access, or a proprietary closed-loop
payment application for use only within a college or university

19 October 2024 Visa Public 336

system

ID# 0024358 Edition: Oct 2024 | Last Updated: Apr 2020

Canadian Member An Interlink Member that has its primary place of business in Canada
and is a customer of Visa Canada.

ID# 0030494 Edition: Oct 2024 | Last Updated: Apr 2018

Card A payment card, digital application, or other device or solution that

provides access to a Payment Credential and that is capable of
conducting a Transaction, is issued by an Issuer, and may bear one of
the Visa-Owned Marks.

ID# 0024365 Edition: Oct 2024 | Last Updated: Apr 2020

Card Authorization The telecommunications and processing system, as specified in the V.I.P.
System System SMS Interlink Technical Specifications, operated by or on behalf
of an Issuer for receiving Authorization requests from, and transmitting
Authorizations or Declines to, the Interlink Switch.

ID# 0030495 Edition: Oct 2024 | Last Updated: Apr 2018

Card Fronting A product or solution that links two or more different Payment
Credentials or cards together to complete a single Transaction using
Back-to-Back Funding i.e., the “front” Payment Credential or card is
funded or repaid, Transaction-by-Transaction, from one of the linked
but unrelated Payment Credentials or cards.

ID# 0030994 Edition: Oct 2024 | Last Updated: Apr 2023

Card Verification Value A unique check value encoded on the Magnetic Stripe of a Card to
(CVV) validate Card information during the Authorization process. The Card
Verification Value is calculated from the data encoded on the Magnetic
Stripe using a secure cryptographic process.

ID# 0024399 Edition: Oct 2024 | Last Updated: Apr 2010

Card Verification Value 2 A unique check value generated using a secure cryptographic process
(CVV2) that, when displayed, is displayed either statically or dynamically
(referenced as dCVV2) on a Card or provided to a Virtual Account owner.
Qualified Card-Absent Interlink Transactions may include Card
Validation Code 2 (CVC2), a unique check value generated using
MasterCard secure cryptographic process.

ID# 0024400 Edition: Oct 2024 | Last Updated: Apr 2023

19 October 2024 Visa Public 337

Cardholder An individual who is issued a Card.

ID# 0024372 Edition: Oct 2024 | Last Updated: Apr 2020

Cardholder Verification A means of verifying that the person presenting a Card is the legitimate
Method Cardholder.
For a Chip Card, the hierarchy of preferences for verifying a Cardholder’s
identity is encoded within the Chip.

ID# 0024382 Edition: Oct 2024 | Last Updated: Oct 2015

Card-Absent Environment An environment that meets any of the following criteria:

l The Card and the Cardholder are not physically present at one of
the following:
– The premises of a Merchant or Member
– A Merchant that does not trade in a fixed location
– An Unattended Cardholder-Activated Terminal
l The Transaction is not completed using an Acceptance Device or a
Manual Imprint device
l The Transaction is completed using a Stored Credential
A Card-Absent Interlink Transaction may only be processed in a Card-
Absent Environment on the Interlink Network.

ID# 0024362 Edition: Oct 2024 | Last Updated: Apr 2024

Card-Absent Interlink A Transaction that is all of the following:

Transaction
l Occurs in a Card-Absent Environment (including an Electronic
Commerce Transaction or a Mail/Phone Order Transaction)
l Does not require PIN as the Cardholder Verification Method
l Is completed with a non-Visa Payment Credential (i.e., a general-
purpose payment network or proprietary card), excluding
Proprietary Cards not enabled for the Card-Absent Environment on
any other unaffiliated network and private label
l Is routed over the Interlink Network
l The card is issued and accepted in the US Region or US Territory

ID# 0030976 Edition: Oct 2024 | Last Updated: Oct 2023

Card-Present Environment An environment that meets all of the following criteria:

19 October 2024 Visa Public 338

l The Card and the Cardholder are physically present at one of the
following:
– The premises of a Merchant or Member
– A Merchant that does not trade in a fixed location
– An Unattended Cardholder-Activated Terminal
l The Transaction is completed using an Acceptance Device or a
Manual Imprint device
l The Transaction is not completed using Stored Credential

ID# 0024363 Edition: Oct 2024 | Last Updated: Apr 2024

Cash-Back Cash obtained by a Cardholder from a Merchant in conjunction with a

Retail Transaction processed through the Interlink Network.

ID# 0024406 Edition: Oct 2024 | Last Updated: Apr 2020

Chip An electronic component designed to perform processing or memory

functions that communicates with an Acceptance Device using a contact
or Contactless interface and enables Transaction processing through the
Interlink Network.

ID# 0024436 Edition: Oct 2024 | Last Updated: Oct 2015

Chip Card A Card or other payment device that contains a Chip that communicates
information to an Acceptance Device.

ID# 0030496 Edition: Oct 2024 | Last Updated: Apr 2018

Chip-initiated Transaction A Transaction that is initiated through Interlink using an EMV-Compliant

and VIS-Compliant Chip at a Chip-Reading Device using Full Chip Data.

ID# 0024433 Edition: Oct 2024 | Last Updated: Apr 2020

Chip-Reading Device An Acceptance Device capable of reading, communicating, and

processing Transaction data from a Chip.

ID# 0024435 Edition: Oct 2024 | Last Updated: Apr 2020

Clearing A processing service for the validation and valuation of financial and
non-financial records exchanged between Visa and Members.

ID# 0024444 Edition: Oct 2024 | Last Updated: Oct 2021

Clearing Record A record of a Presentment, Dispute, Dispute Response, Acquirer-

initiated pre-Arbitration, Reversal, or Adjustment in the format necessary

19 October 2024 Visa Public 339

to clear the Transaction.

ID# 0024446 Edition: Oct 2024 | Last Updated: Apr 2018

Client Directory An online Interlink directory that contains contact information for
Interlink Members and processors and that is comprised of the Client
Service Provider Directory module and the My Organization’s Contacts
module.

ID# 0030015 Edition: Oct 2024 | Last Updated: Apr 2024

Client Service Provider A Client Directory module that contains BID, BIN, Acquiring Identifier,
Directory service provider and/or Member information and is used for Member-
to-Member communication and problem resolution.

ID# 0030656 Edition: Oct 2024 | Last Updated: Oct 2019

Collateral Material Printed, broadcast, or other communications regarding an Affinity/Co-

Brand partner’s Trade Name or Mark. These may include, but are not
limited to, solicitations, promotional materials, advertisements,
statements, statement inserts, direct mail solicitations, and
telemarketing operator scripts.

ID# 0027362 Edition: Oct 2024 | Last Updated: Oct 2015

Compelling Evidence Information or documentation provided by a Merchant or an Acquirer in

a Dispute Response or Acquirer-initiated pre-Arbitration that attempts
to prove that the Cardholder participated in the Transaction, received
goods or services, or otherwise benefited from the Transaction, as
specified in Section 11.5.2, Use of Compelling Evidence. Compelling
Evidence does not mandate that Interlink, the Issuer, or any other entity
conclude that the Cardholder participated in the Transaction, received
goods or services, agreed to Dynamic Currency Conversion, or otherwise
benefited from the Transaction.

ID# 0027268 Edition: Oct 2024 | Last Updated: Apr 2018

Completion Message A Clearing Record that follows a Pre-Authorization Transaction.

ID# 0024469 Edition: Oct 2024 | Last Updated: Oct 2014

Compliance A process where Interlink resolves disputes between Members arising

from violations of the Visa Rules, when the requesting Member can
certify that a financial loss has occurred or will occur for a specific
amount, and no Dispute right or Dispute Response is available.

ID# 0024470 Edition: Oct 2024 | Last Updated: Apr 2018

19 October 2024 Visa Public 340

Confidential Consumer A Payment Credential, Interlink Transaction information, or other

Cardholder Information personally identifiable information relating to a consumer Cardholder.

ID# 0026359 Edition: Oct 2024 | Last Updated: Apr 2020

Consumer Cardholder A Cardholder other than a business Cardholder.

ID# 0030497 Edition: Oct 2024 | Last Updated: Apr 2018

Contact Chip A Chip that uses a contact interface to communicate Transaction data to
a Chip-Reading Device.

ID# 0030498 Edition: Oct 2024 | Last Updated: Apr 2018

Contact Chip Card A VIS-Compliant Chip Card that is able to conduct Transactions through
a contact Chip interface.

ID# 0030499 Edition: Oct 2024 | Last Updated: Apr 2018

Contactless Chip Card A Chip Card compliant with the Visa Contactless Payment Specifications
that is able to conduct Transactions through a Visa-approved wireless
interface.

ID# 0030500 Edition: Oct 2024 | Last Updated: Apr 2018

Contactless Chip-Reading An Acceptance Device that reads the data on a Contactless Chip Card
Device through a Visa-approved wireless interface.

ID# 0030501 Edition: Oct 2024 | Last Updated: Apr 2018

Contactless-Only Payment A payment device without a Magnetic Stripe or contact Chip that uses a
Device Visa-approved wireless interface to perform Contactless Payment
Transactions and is issued as a companion to a corresponding full-size
Card.

ID# 0030502 Edition: Oct 2024 | Last Updated: Apr 2018

Convenience Fee A fee charged that is all of the following:

l Charged by a Merchant for a bona fide convenience to the
Cardholder (for example: an alternative channel outside the
Merchant’s customary payment channel)
l Not charged solely for the acceptance of the Card
l Not charged if the Merchant operates exclusively in a Card-Absent
Environment
l Charged only in connection with a qualified Card-Absent Interlink

19 October 2024 Visa Public 341

Transaction

ID# 0027486 Edition: Oct 2024 | Last Updated: Apr 2023

Conversion Affiliate An entity for which Visa Payment Services are provided by a Ramp
Provider to provide payment services to convert Transactions from a fiat
currency to a non-fiat currency (for example: cryptocurrency), or vice
versa.
Conversion Affiliates of Ramp Providers include but are not limited to
retailers, cryptocurrency exchanges, non-fungible token (NFT)
marketplaces, or decentralized applications (dApps).

ID# 0031034 Edition: Oct 2024 | Last Updated: Apr 2024

Correspondent Bank A depository institution that holds an account with, or on behalf of, a
Settlement Bank, and engages in an exchange of services with that bank.

ID# 0030503 Edition: Oct 2024 | Last Updated: Apr 2018

Counterfeit Card One of the following:

l A device or instrument that is printed, embossed, or encoded so as
to purport to be a Card, and results in a Visa transaction, Interlink
Transaction, or Plus transaction but that is not a Card because an
Issuer did not authorize its printing, embossing, or encoding
l An instrument that is printed with the authority of the Issuer and
that is subsequently embossed or encoded without the authority of
the Issuer
l 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

ID# 0024495 Edition: Oct 2024 | Last Updated: Apr 2010

Credit Transaction A Transaction or Faster Refund, initiated with a Card at the Merchant’s
Point-of-Transaction to credit the Cardholder’s Account for a return of
merchandise originally purchased with the same Card.

ID# 0024527 Edition: Oct 2024 | Last Updated: Oct 2023

Credit Transaction Receipt A Transaction Receipt evidencing a Merchant’s refund or price

adjustment to be credited to a Cardholder’s account.

ID# 0024528 Edition: Oct 2024 | Last Updated: Apr 2010

Cruise Line A Merchant that sells tickets for, and provides, travel and overnight

19 October 2024 Visa Public 342

accommodations on a ship or boat.

A Cruise Line Transaction completed in a Card-Absent Environment
must be a qualified Card-Absent Interlink Transaction.

ID# 0024532 Edition: Oct 2024 | Last Updated: Apr 2023

D
Debt Money owed by one party (debtor) to another party (creditor). Debt
includes, but is not limited to, any of the following:
l The obligation to repay money in connection with loans, credit card
balances
l Money advanced on goods or services previously purchased
l Repayments that include interest (expressly or implicitly)
The following are not treated as Debt for the purpose of the Interlink
Rules:
l Lease payments, where ownership of the goods does not
automatically pass to the lessee at the end of the lease
l Interest-free Partial Payment
l Late payment fees that are incentives to pay on time and are not
related to the amount owed are not considered interest
l Repayment of an overdue obligation that has not been charged-off
and transferred from the original owner to a third party and does
not include interest (expressly or implicitly)

ID# 0030649 Edition: Oct 2024 | Last Updated: Apr 2023

Decline Response An Authorization Response or Pre-Authorization response indicating

that the Transaction was declined.

ID# 0024548 Edition: Oct 2024 | Last Updated: Apr 2010

Deposit The submission of a Transaction by a Merchant, Marketplace, or

Payment Facilitator to an Acquirer, resulting in a credit or debit to the
Merchant’s, Marketplace’s, or Payment Facilitator’s account.

ID# 0024556 Edition: Oct 2024 | Last Updated: Oct 2020

Digital Wallet Operator A Member or non-Member that operates a Staged Digital Wallet or
(DWO) Stored Value Digital Wallet.

19 October 2024 Visa Public 343

ID# 0029530 Edition: Oct 2024 | Last Updated: Apr 2023

Directory Manager Licensee contact with overall operational responsibility for Interlink
programs that other Members can contact about significant issuing or
acquiring issues outside of day-to-day operations. The Directory
Manager will be responsible in receiving Member inquiries should other
service contacts (for example: Fraud Activity, Settlement, Dispute,
Arbitration) become unavailable.

ID# 0031040 Edition: Oct 2024 | Last Updated: Apr 2024

Dispute A Transaction that an Issuer returns to an Acquirer.

ID# 0029463 Edition: Oct 2024 | Last Updated: Apr 2018

Dispute Response A Clearing Record that an Acquirer presents to an Issuer through

Interchange after a Dispute.

ID# 0029464 Edition: Oct 2024 | Last Updated: Apr 2018

Domestic Transaction A Transaction where the Issuer of the Card used is located in the
Transaction Country.

ID# 0024568 Edition: Oct 2024 | Last Updated: Apr 2010

Dynamic Card Verification An authentication value dynamically generated by a Chip Card and
Value (dCVV) included in the Authorization message.

ID# 0025503 Edition: Oct 2024 | Last Updated: Oct 2015

Dynamic Currency The conversion of the purchase price of goods or services from the fiat
Conversion (DCC) currency in which the price is displayed to another fiat currency. That
currency becomes the Transaction Currency, regardless of the
Merchant’s local currency.
For Card-Absent Interlink Transactions, DCC excludes Transactions
converted from a fiat currency to a non-fiat currency (for example:
cryptocurrency), or vice versa.

ID# 0024574 Edition: Oct 2024 | Last Updated: Apr 2024

Dynamic Data A cryptographic value generated by a Chip on a Card in an offline

Authentication environment that uses Transaction-specific data elements and is verified
by a Chip-Reading Device to protect against skimming.

ID# 0024575 Edition: Oct 2024 | Last Updated: Apr 2010

19 October 2024 Visa Public 344

Electronic Commerce A value used in an Electronic Commerce Transaction to indicate the

Indicator Transaction’s level of authentication and security.

ID# 0026401 Edition: Oct 2024 | Last Updated: Apr 2023

Electronic Commerce A Merchant that both:

Merchant
l Conducts the sale of goods or services electronically over the
internet and other networks.
l Enables Interlink acceptance for qualified Card-Absent Interlink
Transactions.

ID# 0024584 Edition: Oct 2024 | Last Updated: Apr 2023

Electronic Commerce A Transaction between a Merchant and Cardholder over the internet or
Transaction other networks using a terminal, personal computer, or other
Cardholder device.
Only a qualified Card-Absent Interlink Transaction may be processed as
an Electronic Commerce Transaction.

ID# 0024587 Edition: Oct 2024 | Last Updated: Apr 2023

Employee Benefit Card A Prepaid Card through which a US Issuer enables employers and
benefit administrators to provide employees with a Card that allows
direct access to benefits, such as qualified health care, dependent care,
and transit, fuel, and meal expenses.

ID# 0030505 Edition: Oct 2024 | Last Updated: Apr 2018

EMV See “EMV Integrated Circuit Card Specifications for Payment Systems
(EMV).”

ID# 0030506 Edition: Oct 2024 | Last Updated: Apr 2018

EMV Integrated Circuit Technical specifications developed (jointly by Europay International,

Card Specifications for Mastercard International, and Visa International) to provide standards
Payment Systems (EMV) for processing debit and credit Transactions and ensure global
interoperability for the use of Chip technology in the payment industry.

ID# 0024620 Edition: Oct 2024 | Last Updated: Oct 2014

EMV-Compliant A Card or terminal application that complies with the requirements

specified in the EMV Integrated Circuit Card Specifications for Payment
Systems (EMV).

ID# 0024617 Edition: Oct 2024 | Last Updated: Oct 2016

19 October 2024 Visa Public 345

Enumeration Attack The systematic or routine submission of Card-Absent Environment

Transactions into the Interlink system to fraudulently obtain or validate
payment information.

ID# 0030894 Edition: Oct 2024 | Last Updated: Apr 2023

Estimated Pre- A Pre-Authorization Request for the amount that a Merchant expects a
Authorization Request Cardholder to spend in an individual Transaction and that is submitted
before the final Transaction amount is known.

ID# 0029521 Edition: Oct 2024 | Last Updated: Oct 2017

F
Fallback Transaction An EMV Chip Card Transaction initially attempted at a Chip-Reading
Device, where the device’s inability to read the Chip prevented the
Transaction from being completed using the Chip data, and the
Transaction is instead completed using an alternate means of data
capture and transmission.

ID# 0024645 Edition: Oct 2024 | Last Updated: Apr 2020

Fast Funds A service that requires a participating Recipient Issuer to make funds
available to a Cardholder within 30 minutes of receipt1 and approval of
an incoming Original Credit Transaction initiated as an Online Financial
Transaction.
1
Effective 12 April 2025 In the US Region: Within 60 seconds of approving a
domestic OCT.

ID# 0026077 Edition: Oct 2024 | Last Updated: Oct 2024

Faster Refund A refund of a prior purchase using an Original Credit Transaction

associated with the Faster Refund Program approved by Visa, as
specified in the Visa Direct Original Credit Transaction (OCT) – Global
Implementation Guide.

ID# 0031009 Edition: Oct 2024 | Last Updated: Oct 2023

Fee Collection Transaction A transaction used to collect financial obligations of a Member arising
out of the Interlink Rules, the Interlink Charter Documents, or other
requirements adopted by Interlink.

ID# 0024647 Edition: Oct 2024 | Last Updated: Oct 2015

Fee Schedule One of the following:

l Visa Canada Fee Schedule

19 October 2024 Visa Public 346

l Visa U.S.A. Fee Schedule

ID# 0027310 Edition: Oct 2024 | Last Updated: Oct 2016

Flexible Spending Account A Prepaid Card program administered by an employer, in accordance

(FSA) – US Region with the US IRS requirements, that permits employees to set aside pre-
tax dollars to pay qualified out-of-pocket medical expenses not covered
by the employer’s health care plan.

ID# 0030507 Edition: Oct 2024 | Last Updated: Apr 2018

Franchise A business where the owner licenses its operations and grants a
franchisee access to the franchisor’s proprietary product, branding, and
trademarks in exchange for a fee. This allows the franchisee to sell a
product or service under the franchisor’s business name.

ID# 0030951 Edition: Oct 2024 | Last Updated: Oct 2022

Fraud Activity A Transaction or occurrence where the Cardholder either:

l Certifies that they did not authorize or participate in the Transaction
l Misrepresent their identity or financial status to the Issuer to obtain
an Interlink account

ID# 0024659 Edition: Oct 2024 | Last Updated: Apr 2020

Full Service A V.I.P. processing service comprised of online functions, including

Authorizations, financial Transactions, and Deferred Clearing
Transactions.

ID# 0030882 Edition: Oct 2024 | Last Updated: Oct 2022

Full-Chip Data Data that complies with all of the following:

l Conforms to EMVCo minimum requirements
l Supports cryptographic validation online
l Records the interaction between a Chip Card and a Chip-Reading
Device completed during a Transaction

ID# 0024662 Edition: Oct 2024 | Last Updated: Oct 2016

Funds Collection A VisaNet transaction used by a Member or Visa to disburse funds to a

Clearing Processor.

ID# 0030508 Edition: Oct 2024 | Last Updated: Apr 2018

Funds Disbursement A Transaction used by a Member or Interlink to disburse funds to a

19 October 2024 Visa Public 347

Clearing Processor.

ID# 0024665 Edition: Oct 2024 | Last Updated: Apr 2023

Funds Transfer Settlement An endpoint within an Interlink Settlement hierarchy associated with one
Reporting Entity or more Settlement Reporting Entities.

ID# 0026048 Edition: Oct 2024 | Last Updated: Apr 2012

G
Global Compromised A Visa program by which Visa allocates to affected Issuers a portion of
Account Recovery the operating expenses that are associated with an Account Data
Compromise Event involving a compromise of a Chip Card’s Account
Number and Card Verification Value.

ID# 0026034 Edition: Oct 2024 | Last Updated: Oct 2023

Group Member An Interlink Member, as defined in the Interlink Network, Inc. Bylaws.

ID# 0024685 Edition: Oct 2024 | Last Updated: Oct 2016

Guaranteed Reservation A reservation made by a Cardholder who provides a Payment Credential,

but no payment, at the time of reservation to ensure that
accommodation, merchandise, or services will be available as reserved
and agreed with the Merchant.
A Guaranteed Reservation processed as an Interlink Transaction must
qualify as a Card-Absent Interlink Transaction.

ID# 0029265 Edition: Oct 2024 | Last Updated: Apr 2023

H
Health Reimbursement An employer-funded Prepaid Card program that reimburses employees,
Arrangement (HRA) in accordance with IRS regulations, for qualified out-of-pocket medical
expenses not covered by the employer’s health care plan.

ID# 0024699 Edition: Oct 2024 | Last Updated: Apr 2020

Healthcare Auto- A process that enables a US Issuer to automatically substantiate the

Substantiation dollar amount of qualifying medical purchases in the Authorization
Request for a Flexible Spending Account (FSA) or a Health
Reimbursement Arrangement (HRA) Transaction. Issuers, and any
Agents that process such Transactions, must perform Healthcare Auto-
Substantiation.

ID# 0024696 Edition: Oct 2024 | Last Updated: Oct 2016

19 October 2024 Visa Public 348

High-Integrity Risk A Conversion Affiliate of a Ramp Provider classified by Interlink as high-

Conversion Affiliate integrity risk, as specified in Section 10.4.4.1, High-Integrity Risk
Merchants.

ID# 0031035 Edition: Oct 2024 | Last Updated: Apr 2024

High-Integrity Risk A Merchant classified by Visa/Interlink as high-integrity risk, as specified

Merchant in Section 10.4.4.1, High-Integrity Risk Merchants.

ID# 0030984 Edition: Oct 2024 | Last Updated: Apr 2023

High-Integrity Risk A Payment Facilitator that both:

Payment Facilitator
l Enters into a contract with an Acquirer to provide payment services
to High-Risk Merchants, High-Integrity Risk Merchants, High-Risk
Sponsored Merchants, or High-Integrity Risk Sponsored Merchants
l Includes one or more Sponsored Merchants classified by Interlink as
high-integrity risk, as specified in Section 10.4.4.1, High-Integrity
Risk Merchants

ID# 0026392 Edition: Oct 2024 | Last Updated: Apr 2023

High-Integrity Risk Ramp A Ramp Provider that does both:

Provider
l Enters into a contract with an Acquirer to provide payment services
to High-Integrity Risk Conversion Affiliates
l Includes one or more Conversion Affiliates classified by Interlink as
high-integrity risk, as specified in Section 10.4.4.1, High-Integrity
Risk Merchants

ID# 0031032 Edition: Oct 2024 | Last Updated: Apr 2024

High-Integrity Risk A Sponsored Merchant classified by Visa/Interlink as high-integrity risk,

Sponsored Merchant as specified in Section 10.4.4.1, High-Integrity Risk Merchants, that
contracts with a Payment Facilitator to obtain payment services.

ID# 0030985 Edition: Oct 2024 | Last Updated: Apr 2023

High-Integrity Risk A Transaction performed by a High-Integrity Risk Merchant, High-

Transaction Integrity Risk Payment Facilitator, High-Integrity Risk Sponsored
Merchant, or Digital Wallet Operator, classified by Visa/Interlink as high-
integrity risk, as specified in Section 10.4.4.1, High-Integrity Risk
Merchants.

ID# 0030986 Edition: Oct 2024 | Last Updated: Apr 2023

19 October 2024 Visa Public 349

Incremental Authorization An Authorization Request that is all of the following:

Request
l Follows an approved Estimated Authorization Request

l Is for an additional amount that a Merchant expects a Cardholder to

spend or that the Cardholder has incurred in an individual
Transaction
l Applies to a qualified Card-Absent Interlink Transaction

ID# 0029522 Edition: Oct 2024 | Last Updated: Oct 2023

Indemnification The act of indemnifying, defending, and holding harmless (see

Indemnify).

ID# 0030548 Edition: Oct 2024 | Last Updated: Apr 2018

Indemnify To indemnify, defend, and hold harmless (see Indemnification).

ID# 0030549 Edition: Oct 2024 | Last Updated: Apr 2018

Installment Transaction A Transaction in a series of Transactions that represents Cardholder

agreement for the Merchant to initiate one or more future Transactions
over a fixed period of time (not to exceed one year between
Transactions) for a single purchase of goods or services, or the
repayment of a single Debt.
An Installment Transaction on the Interlink Network must be a qualified
Card-Absent Interlink Transaction.

ID# 0024724 Edition: Oct 2024 | Last Updated: Apr 2023

Integrated Circuit Card A unique Card Verification Value that an Issuer must encode in the
Verification Value (iCVV) Magnetic-Stripe Image on a Chip and distinct from the Card Verification
Value contained in the Magnetic Stripe of a Chip Card.

ID# 0030509 Edition: Oct 2024 | Last Updated: Apr 2018

Interchange The exchange of Clearing Records between Members.

ID# 0024729 Edition: Oct 2024 | Last Updated: Oct 2014

Interchange A fee between Acquirers and Issuers in the Clearing and Settlement of
Reimbursement Fee (IRF) an Interchange Transaction.

ID# 0024733 Edition: Oct 2024 | Last Updated: Oct 2017

Interlink See Interlink Network, Inc.

19 October 2024 Visa Public 350

ID# 0030510 Edition: Oct 2024 | Last Updated: Apr 2018

Interlink Member A Member participating in the Interlink Program that agrees to comply
with the Interlink Rules.

ID# 0030511 Edition: Oct 2024 | Last Updated: Apr 2018

Interlink Network, Inc. A Delaware corporation that is a subsidiary of Visa.

ID# 0030512 Edition: Oct 2024 | Last Updated: Apr 2018

Interlink Program A program through which an Interlink participant acting as an Issuer

provides Point-of-Transaction services to Interlink Cardholders, or as an
Acquirer, provides services to Merchants, or both.

ID# 0024737 Edition: Oct 2024 | Last Updated: Oct 2014

Interlink Program Marks The combination of the Interlink Wordmark, the Network Design Mark,
or any other service Marks that Visa adopts for use with the Interlink
Program.

ID# 0024738 Edition: Oct 2024 | Last Updated: Oct 2015

Interlink Switch The telecommunications and processing system operated by Visa to

process Interlink Transactions.

ID# 0030514 Edition: Oct 2024 | Last Updated: Apr 2018

Intermediary Bank A depository institution, specified by a Member or by Interlink, through

which a Settlement funds transfer must be processed for credit to a
Settlement account at another depository institution.

ID# 0024741 Edition: Oct 2024 | Last Updated: Apr 2010

Interregional Interchange Interchange for an Interregional Transaction.

ID# 0030515 Edition: Oct 2024 | Last Updated: Apr 2018

Interregional Transaction A Transaction where the Issuer of the Card is not located in the Region
where the Transaction takes place.

ID# 0024762 Edition: Oct 2024 | Last Updated: Oct 2017

In-Transit Transaction A Transaction reflecting the purchase of merchandise, services, or

gambling on board a ship, boat, bus, aircraft, ferry, or train.
If processed in a Card-Absent Environment, an In-Transit Transaction
must qualify as a Card-Absent Interlink Transaction.

19 October 2024 Visa Public 351

ID# 0024717 Edition: Oct 2024 | Last Updated: Apr 2023

IRF See “Interchange Reimbursement Fee.”

ID# 0030516 Edition: Oct 2024 | Last Updated: Apr 2018

IRF Compliance A process by which Interlink resolves disputes between Members for a
Member’s violation of the Interlink Rules or any applicable Interchange
Reimbursement Fee (IRF) guide that causes an incorrect Interchange
Reimbursement Fee rate to be applied to a large number of
Transactions, resulting in a financial loss to another Member.

ID# 0024735 Edition: Oct 2024 | Last Updated: Oct 2017

Issuer An Interlink Member that enters into a contractual relationship with a

Cardholder for the issuance of Cards.

ID# 0024768 Edition: Oct 2024 | Last Updated: Oct 2016

J
No glossary terms
available for J. ID# 0025512 Edition: Oct 2024 | Last Updated: Apr 2010

K
Key Management Service A service that Visa provides to process, store, and transmit Member keys
associated with the security algorithm used in the V.I.P. System, to
protect the security of PINs.

ID# 0030517 Edition: Oct 2024 | Last Updated: Apr 2018

L
Liability Any and all damages (including lost profits or savings, indirect,
consequential, special, exemplary, punitive, or incidental), penalties,
fines, expenses and costs (including reasonable fees and expenses of
legal and other advisers, court costs and other dispute resolution costs),
or other losses.

ID# 0024779 Edition: Oct 2024 | Last Updated: Apr 2018

Liquid and Cryptocurrency Items purchased in a Card-Absent Environment that are considered
Assets convertible to cash, such as:
l Cryptocurrency
l Foreign currency
l Additional items approved by Visa

19 October 2024 Visa Public 352

ID# 0030982 Edition: Oct 2024 | Last Updated: Oct 2023

Load Partner A Merchant, Member, or Third Party Agent that has a contract with an
Issuer or Acquirer to sell/activate Cards and/or perform Load
Transaction processing.

ID# 0024998 Edition: Oct 2024 | Last Updated: Oct 2021

Load Transaction A means of adding monetary value to a Card via the Visa Prepaid Load
Service or Visa ReadyLink.

ID# 0024791 Edition: Oct 2024 | Last Updated: Oct 2021

Lodging Merchant A Merchant that sells overnight accommodations at a fixed location that
are purchased for a limited period of time.
For the purposes of the Interlink Rules, Lodging Merchants are hotels,
motels, inns, bed and breakfast establishments, resorts, cabins, cottages,
hostels, and apartments, condominiums, and houses rented as a short-
term accommodation.

ID# 0024794 Edition: Oct 2024 | Last Updated: Apr 2023

M
Magnetic Stripe A magnetic stripe on a Card that contains the necessary information to
complete a Transaction.

ID# 0024808 Edition: Oct 2024 | Last Updated: Apr 2010

Magnetic-Stripe Data Data contained in a Magnetic Stripe and replicated in a Chip.

ID# 0024802 Edition: Oct 2024 | Last Updated: Apr 2010

Magnetic-Stripe Image The minimum Chip payment data replicating the Magnetic Stripe
information required to process an EMV-Compliant Transaction.

ID# 0024803 Edition: Oct 2024 | Last Updated: Apr 2010

Magnetic-Stripe Terminal A terminal that reads the Magnetic Stripe on a Card.

ID# 0024806 Edition: Oct 2024 | Last Updated: Apr 2010

Mail/Phone Order A purchase where a Cardholder orders goods or services from a

Merchant by telephone, mail, or other means of telecommunication and
the Transaction qualifies as a Card-Absent Interlink Transaction.

ID# 0029309 Edition: Oct 2024 | Last Updated: Apr 2023

19 October 2024 Visa Public 353

Mark A word, name, design, symbol, distinctive sign, animation, sound, haptic,
other designation, or any combination thereof, that Visa or any entity
adopts to identify its goods or services.

ID# 0024818 Edition: Oct 2024 | Last Updated: Apr 2020

Marketplace An entity that brings together Cardholders and retailers on an electronic

commerce website or mobile application and processes qualified Card-
Absent Interlink Transactions.

ID# 0030075 Edition: Oct 2024 | Last Updated: Apr 2023

Maximum Purchase Monetary amounts established by an Issuer above which the V.I.P.
Amount Limits System does not provide Stand-In Processing for Transactions.

ID# 0030518 Edition: Oct 2024 | Last Updated: Apr 2018

Member A client of Visa U.S.A. or Visa Canada that participates in one or more
categories of membership as defined in the Interlink Charter
Documents, and performs functions/activities appropriate to those
categories.

ID# 0024822 Edition: Oct 2024 | Last Updated: Oct 2016

Merchant An entity that displays the Interlink Mark, accepts a card for the sale of
goods or services and submits the resulting Interlink Transaction to the
Acquirer for Interchange directly, or via a Payment Facilitator or a
Marketplace. A Merchant may be a single Merchant Outlet or represent
multiple Merchant Outlets.

ID# 0024828 Edition: Oct 2024 | Last Updated: Oct 2022

Merchant Affiliate An Affiliate Member that has signed a Merchant Agreement with a
Merchant.

ID# 0030520 Edition: Oct 2024 | Last Updated: Apr 2018

Merchant Agreement A direct contract between a Merchant and an Acquirer or between a

Sponsored Merchant and a Payment Facilitator containing their
respective rights, duties, and obligations for participation in the
Acquirer’s Interlink Program.

ID# 0024830 Edition: Oct 2024 | Last Updated: Apr 2023

Merchant Category Code A code designating the principal trade, profession, or line of business in
(MCC) which a Merchant is engaged, as specified in the Visa Merchant Data
Standards Manual.

19 October 2024 Visa Public 354

ID# 0024834 Edition: Oct 2024 | Last Updated: Oct 2016

Merchant Corporation An enterprise, corporation, holding company, organization or other

entity consisting of single or multiple Merchant brands.

ID# 0030993 Edition: Oct 2024 | Last Updated: Apr 2023

Merchant Interface The telecommunications and processing system, as specified in the V.I.P.
System System SMS Interlink Technical Specifications, operated by or on behalf
of, an Acquirer, through which Transactions originating at Merchants of
that Acquirer are processed and routed to the Interlink Switch.

ID# 0030521 Edition: Oct 2024 | Last Updated: Apr 2018

Merchant Outlet The Merchant location at which a Transaction, including a Card-Absent

Interlink Transaction, is completed.

ID# 0024842 Edition: Oct 2024 | Last Updated: Apr 2023

Merchant Servicer A Third Party Agent that complies with all of the following:
l Is engaged by a Merchant
l Is not a Member of Interlink Network, Inc.
l Is not directly connected to VisaNet
l Is party to the Authorization and/or Clearing message
l Has access to Cardholder data, or processes, stores, or transmits
Transaction data

ID# 0030522 Edition: Oct 2024 | Last Updated: Apr 2018

Merchant Wallet A digital wallet that can only be used within a single Merchant
Corporation. A Merchant Wallet may qualify as either a Stored Value
Wallet or Staged Digital Wallet, depending on the functionality the
Merchant Wallet supports.

ID# 0030992 Edition: Oct 2024 | Last Updated: Apr 2023

Multi-Currency Pricing A Transaction in which the Merchant displays the price of goods or
(MCP) Transaction services in a currency(ies) other than the Merchant’s local currency and
the Transaction Currency is one of those displayed foreign currencies.
No Dynamic Currency Conversion is conducted.

ID# 0030764 Edition: Oct 2024 | Last Updated: Oct 2021

My Organization’s A Client Directory module that contains Member contact information

19 October 2024 Visa Public 355

Contacts used by Interlink for the delivery of critical corporate and operational
email communications to Members.

ID# 0030655 Edition: Oct 2024 | Last Updated: Apr 2024

N
Network Design Mark The Interlink Marks owned by Visa and used in the Interlink Program.

ID# 0030523 Edition: Oct 2024 | Last Updated: Apr 2018

Non-Member An entity that is not an Interlink Member, but provides Interlink Network
services to an Interlink Member as a Third-Party Agent or a VisaNet
Processor.

ID# 0030524 Edition: Oct 2024 | Last Updated: Apr 2018

Non-Reloadable Prepaid A Prepaid Card that is funded with monetary value only once.
Card
ID# 0024880 Edition: Oct 2024 | Last Updated: Apr 2020

Non-Visa Branded A Payment Credential associated with a general-purpose payment card

Payment Credential (i.e., MasterCard, Discover, or a proprietary network card) excluding a
Private Label Card, that does not carry the Visa Brand Mark.

ID# 0030989 Edition: Oct 2024 | Last Updated: Apr 2023

Notification Written notice delivered by mail, courier, facsimile, hand, email, or other
electronic delivery method. Notification is effective when posted, sent,
or transmitted by Interlink to the Member or its Agent.

ID# 0024887 Edition: Oct 2024 | Last Updated: Oct 2014

No-Show Transaction A Transaction resulting from a Cardholder’s failure to cancel or claim a

Guaranteed Reservation.

ID# 0024869 Edition: Oct 2024 | Last Updated: Apr 2023

Numeric ID Any identifier, other than a BIN or an Acquiring Identifier, assigned by

Visa to an Interlink Member, VisaNet Processor, or Third Party Agent,
including, but not limited to, processor control records (PCR), station
IDs, issuing identifiers, and Alternate Routing Identifiers used to facilitate
transaction processing.

ID# 0026475 Edition: Oct 2024 | Last Updated: Oct 2019

O
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

19 October 2024 Visa Public 356

Chip.

ID# 0024902 Edition: Oct 2024 | Last Updated: Apr 2010

Online Card A cryptogram generated by a Chip Card during a Transaction and used
Authentication to validate the authenticity of the Card.
Cryptogram
ID# 0024912 Edition: Oct 2024 | Last Updated: Apr 2011

Online Gambling Any form of gambling provided over the internet or other networks by
an Electronic Commerce Merchant, including, but not limited to, the
following:
l Betting
l Lotteries
l Casino-style games
l Funding an account established by the Merchant on behalf of the
Cardholder for the purpose of gambling
l Purchase of value for proprietary payment mechanisms, such as
electronic gaming chips
Only a qualified Card-Absent Interlink Transaction may be processed as
an Online Gambling Transaction.

ID# 0029310 Edition: Oct 2024 | Last Updated: Apr 2023

Online PIN Verification A process used to verify the Cardholder’s identity by sending an
encrypted PIN value to the Issuer or the Issuer’s Agent for validation in
an Authorization Request.

ID# 0030525 Edition: Oct 2024 | Last Updated: Apr 2018

Operating Certificate A report that a Member or Non-Member Administrator submits and

certifies to Visa at a pre-determined time specified by Visa, detailing its
issuing and/or acquiring statistics.

ID# 0027826 Edition: Oct 2024 | Last Updated: Oct 2021

Operating Expense The recovery amount provided to Issuers through the Global
Recovery Compromised Account Recovery (GCAR) program associated with an
Account Data Compromise Event.

ID# 0026064 Edition: Oct 2024 | Last Updated: Apr 2018

Order Form A document bearing the Cardholder’s signature, either written or

electronic, authorizing goods or services to be charged to his/her

19 October 2024 Visa Public 357

account in connection with a Card-Absent Interlink Transaction. An

Order Form may be any of the following:
l Mail order form
l Recurring Transaction form
l Preauthorized Healthcare Transaction form
l Email or other electronic record

ID# 0024923 Edition: Oct 2024 | Last Updated: Apr 2023

Original Credit In the US Region: A Domestic Transaction initiated directly by a Member

Transaction that results in a credit to a Payment Credential or a bank account (push-
to-account payout). An Original Credit Transaction does not require a
prior purchase except when used for a Faster Refund.

ID# 0024925 Edition: Oct 2024 | Last Updated: Oct 2023

Overdue Receivable For a Card-Absent Interlink Transaction, a receivable that is not classified
as a Debt and is one of the following:
l 120 days past the payment due date
l Classified by the receivable owner as non-collectable
l Subject to a court order as the result of a bankruptcy or insolvency
l Written off and/or sold to a third party

ID# 0030959 Edition: Oct 2024 | Last Updated: Apr 2023

P
Partial Authorization An Authorization approved by an Issuer for an amount less than the
amount requested by a Merchant for a Transaction.

ID# 0024929 Edition: Oct 2024 | Last Updated: Oct 2023

Partial Authorization Effective 13 April 2024 A service that allows a Partial Authorization.
Service
Participating Merchants send Partial Authorization indicator in all
Authorization messages. Participating Issuers receive and act on an
Authorization message containing a Partial Authorization indicator.

ID# 0031076 Edition: Oct 2024 | Last Updated: New

Partial Payment A Transaction in a series of Installment Transactions1 for the purchase of

goods and services with both of the following characteristics:
l There is no charge to the Cardholder, by the Merchant, for interest

19 October 2024 Visa Public 358

or imputed interest.
l The agreement between the Cardholder and Merchant is
completed before or at the time of first Transaction.
1
An Installment Transaction in the Card-Absent Environment must be a qualified
Card-Absent Interlink Transaction.

ID# 0030638 Edition: Oct 2024 | Last Updated: Apr 2023

Partial Pre-Authorization A Pre-Authorization approved by an Issuer for an amount less than that
specified in the Pre-Authorization request sent by the Merchant.

ID# 0030414 Edition: Oct 2024 | Last Updated: Apr 2018

Pass-Through Digital Functionality that does all of the following:

Wallet
l Can be used at more than one Merchant
l Stores and transmits a Payment Credential
l Is used to complete a Transaction by directly transferring the
Payment Credential to the Merchant

ID# 0029533 Edition: Oct 2024 | Last Updated: Apr 2023

Payment Application A software application contained within a Chip that defines the
parameters for processing a Transaction.

ID# 0024933 Edition: Oct 2024 | Last Updated: Apr 2010

Payment Card Industry A set of comprehensive requirements that define the standard of due
Data Security Standard care for protecting sensitive Cardholder information.
(PCI DSS)
ID# 0024934 Edition: Oct 2024 | Last Updated: Apr 2010

Payment Card Industry A collection of standards and programs for the secure design and
(PCI) Software Security development of payment software.
Framework (SSF)
ID# 0024935 Edition: Oct 2024 | Last Updated: Apr 2024

Payment Credential A number or other credential that identifies an account of a Cardholder

for use in a Transaction.

ID# 0030658 Edition: Oct 2024 | Last Updated: Apr 2020

Payment Facilitator A Third Party Agent or non-Member VisaNet Processor that deposits
Transactions, receives settlement from or contracts with an Acquirer on
behalf of a Sponsored Merchant, and is classified as a Payment
Facilitator as specified in Section 5.3.2.2, Qualification as a Marketplace,

19 October 2024 Visa Public 359

Merchant, Payment Facilitator, Digital Wallet Operator, or Ramp

Provider.

ID# 0028921 Edition: Oct 2024 | Last Updated: Apr 2023

Payment Facilitator An agreement between a Payment Facilitator and an Acquirer containing

Agreement their respective rights, duties, and obligations for participation in the
Acquirer’s Interlink Program.

ID# 0026430 Edition: Oct 2024 | Last Updated: Apr 2023

PIN A personal identification alpha or numeric code that identifies a

Cardholder in an Authorization Request originating at a Terminal with
electronic capability.

ID# 0024948 Edition: Oct 2024 | Last Updated: Apr 2010

PIN Entry Device (PED) A device used for secure PIN entry and processing, as specified in the
Payment Card Industry PED Security Requirements.

ID# 0029732 Edition: Oct 2024 | Last Updated: Oct 2016

PIN Management A suite of PIN security documents that includes:

Requirements Documents
l Payment Card Industry (PCI) – PIN Security Requirements and
Testing Procedures
l Payment Card Industry (PCI) PIN Transaction Security (PTS) – Point
of Interaction (POI) Modular Security Requirements

ID# 0027348 Edition: Oct 2024 | Last Updated: Apr 2016

PIN Pad A device through which a Cardholder enters his/her PIN that complies
with the applicable provisions of the V.I.P. System SMS Interlink Technical
Specifications and the PIN Management Requirements Documents.

ID# 0030526 Edition: Oct 2024 | Last Updated: Apr 2018

PIN Verification A procedure used to verify Cardholder identity when a PIN is used in an
Authorization Request or Pre-Authorization Request.

ID# 0024951 Edition: Oct 2024 | Last Updated: Apr 2010

PIN Verification Service A service that Interlink provides for the verification of Cardholder PINs
transmitted with Authorization Requests.

ID# 0024953 Edition: Oct 2024 | Last Updated: Apr 2010

PIN Verification Value A 4-digit value derived with an algorithm using portions of the Account

19 October 2024 Visa Public 360

Number, PIN, and a single digit key indicator that is encoded for PIN
verification on a Magnetic Stripe or a Chip.

ID# 0024954 Edition: Oct 2024 | Last Updated: Apr 2020

Point-of-Sale Terminal An Acceptance Device at the Point-of-Sale that reads Magnetic Stripe or
Chip data on a Card and is able to obtain Authorization and process a
Transaction.

ID# 0030990 Edition: Oct 2024 | Last Updated: Apr 2023

Point-of-Transaction The physical location where a Merchant or an Unattended Cardholder-

Activated Terminal Acquirer completes a Transaction, or an online
address where a Cardholder completes a Card-Absent Interlink
Transaction.

ID# 0024974 Edition: Oct 2024 | Last Updated: Oct 2015

POS Entry Mode A VisaNet field indicating the method used to obtain and transmit the
Card information necessary to complete a Transaction (for example:
manual key entry, Magnetic-Stripe-read, Chip-read).

ID# 0024990 Edition: Oct 2024 | Last Updated: Oct 2016

Post-Issuance Updates A method that enables an Issuer to do either of the following without
requiring reissuance of a Chip Card:
l Add an application or service to a Chip
l Modify or block an existing application on a Chip

ID# 0024987 Edition: Oct 2024 | Last Updated: Oct 2016

Preauthorized Health Care A Card-Absent Interlink Transaction completed by a Health Care

Transaction Merchant for which a Cardholder has provided written permission to the
Merchant to charge the Cardholder’s account for services.

ID# 0024991 Edition: Oct 2024 | Last Updated: Apr 2023

Prepaid Account An account established by an Issuer, with previously deposited,

authorized, or transferred funds, the balance of which is decreased by
purchase Transactions, Cash Disbursements, or applicable account fees.

ID# 0024994 Edition: Oct 2024 | Last Updated: Apr 2010

Presentment A Clearing Record that an Acquirer presents to an Issuer through

Interchange, either initially (a first Presentment) or after a Dispute (a
Dispute Response or pre-Arbitration).

19 October 2024 Visa Public 361

ID# 0025001 Edition: Oct 2024 | Last Updated: Apr 2018

Pre-Authorization The approval, in advance, of a Transaction up to a specified amount

either by or on behalf of an Issuer. Pre-Authorizations require the
Acquirer to initiate two messages to complete the transaction: the Pre-
Authorization Request and the Pre-Authorization Completion.

ID# 0030528 Edition: Oct 2024 | Last Updated: Apr 2018

Pre-Authorization A message used by an Acquirer to update a Pre-Authorization Request

Completion with the final amount of the purchase.

ID# 0030529 Edition: Oct 2024 | Last Updated: Apr 2018

Pre-Authorization Request A message that is used by Acquirers to authorize a Transaction for an

estimated amount before the final amount of the purchase is known.

ID# 0030530 Edition: Oct 2024 | Last Updated: Apr 2018

Primary Account A checking, savings, or other designated Account maintained by a

Cardholder against which Transactions are posted.

ID# 0030531 Edition: Oct 2024 | Last Updated: Apr 2018

Primary Center Manager Primary operational contact who receives all critical corporate and
operational email communications from Interlink that may be urgent or
require a response, including the Visa Business News, and must
distribute appropriately within the Member institution.

ID# 0031041 Edition: Oct 2024 | Last Updated: Apr 2024

Principal Place of Business The fixed location at which a Merchant’s or Payment Facilitator’s
executive officers direct, control, and coordinate the entity’s activities.

ID# 0029549 Edition: Oct 2024 | Last Updated: Apr 2023

Principal-Type Member An Interlink Member, as defined in the Interlink Charter Documents.

ID# 0025005 Edition: Oct 2024 | Last Updated: Apr 2018

Private Label Card A merchant’s proprietary card that is accepted only at its own locations,
or a multi-use non-Visa-branded card.

ID# 0025016 Edition: Oct 2024 | Last Updated: Apr 2023

Processing Date The date (based on Greenwich Mean Time) on which the Member
submits Interchange data to, and data is accepted by, a VisaNet
Interchange Center. Equivalents to the Processing Date are:

19 October 2024 Visa Public 362

l In BASE II, the Central Processing Date

l In the V.I.P. System, the Settlement Date

ID# 0025017 Edition: Oct 2024 | Last Updated: Oct 2021

Processor An Interlink Member, Visa, or Visa-approved Non-Member acting as the

Agent of an Interlink Member that provides Authorization, Clearing, or
Settlement services for Merchants and Interlink Members.

ID# 0030532 Edition: Oct 2024 | Last Updated: Apr 2018

Proprietary Card A Card that does not bear the Visa Brand Mark but may be Interlink-
enabled.

ID# 0025020 Edition: Oct 2024 | Last Updated: Apr 2017

Q
Quasi-Cash Transaction A Transaction representing a Merchant’s sale of items that are directly
convertible to cash, such as:
l Gaming chips
l Money orders
l Travelers cheques
l Prepaid Cards with cash access
l Foreign currency

ID# 0025033 Edition: Oct 2024 | Last Updated: Apr 2020

R
Ramp Provider A Third Party Agent that provides payment services to convert
Transactions from a fiat currency to a non-fiat currency (for example:
cryptocurrency), or vice versa, and is classified as, a Ramp Provider, as
specified in Section 5.3.2.2, Qualification as a Marketplace, Merchant,
Payment Facilitator, Digital Wallet Operator, or Ramp Provider.
Ramp Providers may sell non-fiat currency to Cardholders directly or
provide their services under a contract to Conversion Affiliates.

ID# 0031030 Edition: Oct 2024 | Last Updated: Apr 2024

Rapid Dispute Resolution A pre-dispute resolution service that provides the ability for Merchants
and Payment Facilitators to automate the acceptance of liability for a
disputed Transaction.

19 October 2024 Visa Public 363

ID# 0030735 Edition: Oct 2024 | Last Updated: Oct 2020

Recipient Issuer An Issuer that receives an Original Credit Transaction.

ID# 0025039 Edition: Oct 2024 | Last Updated: Oct 2021

Recurring Transaction A Transaction that is all of the following:

l One of a series of Transactions that uses a Stored Credential and is
processed at fixed, regular intervals (not to exceed one year
between Transactions)
l Represents Cardholder agreement for the Merchant to initiate
future Transactions for the purchase of goods or services provided
at regular intervals
l A qualified Card-Absent Interlink Transaction

ID# 0025041 Edition: Oct 2024 | Last Updated: Apr 2023

Reloadable Prepaid Card A Prepaid Card product which the Issuer may fund more than once after
the initial funding.

ID# 0025059 Edition: Oct 2024 | Last Updated: Apr 2020

Reversal An Acquirer- or Merchant-generated Transaction used to cancel a

previous Transaction that has timed out or was not acknowledged.

ID# 0025072 Edition: Oct 2024 | Last Updated: Oct 2016

S
Scrip A 2-part paper receipt dispensed by a Scrip Terminal that is redeemable
at a Merchant Outlet for goods, services, or cash.

ID# 0025079 Edition: Oct 2024 | Last Updated: Apr 2010

Senior Officer Role assigned to an officer of the Member institution. The Senior Officer
receives the same email communications as the Primary Center
Manager, including the weekly Visa Business News.

ID# 0031042 Edition: Oct 2024 | Last Updated: Apr 2024

Service Code A valid sequence of digits recognized by VisaNet 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 (for
example: International Transactions, Domestic Transactions, restricted
Card use), and defines requirements for processing a Transaction with
the Card (for example: Chip-enabled, Cardholder Verification).

19 October 2024 Visa Public 364

ID# 0025094 Edition: Oct 2024 | Last Updated: Oct 2014

Service Fee A fee assessed to a Cardholder that uses a Card to pay for goods and
services in a permitted Merchant category.

ID# 0030125 Edition: Oct 2024 | Last Updated: Apr 2023

Settlement The reporting and funds transfer of Settlement Amounts owed by one
Member to another, or to Interlink, as a result of Clearing.

ID# 0025095 Edition: Oct 2024 | Last Updated: Apr 2011

Settlement Amount The daily net amounts 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.

ID# 0025096 Edition: Oct 2024 | Last Updated: Apr 2011

Settlement Bank A bank, including a Correspondent Bank or Intermediary Bank, that is

both:
l Located in the country where a Member’s Settlement Currency is
the local currency
l Authorized to execute Settlement of Interchange on behalf of the
Member or the Member’s bank

ID# 0025097 Edition: Oct 2024 | Last Updated: Oct 2014

Settlement Currency A currency that Visa uses to settle Interchange.

ID# 0025098 Edition: Oct 2024 | Last Updated: Oct 2016

Settlement Reporting A name or number of an entity assigned by Visa or Interlink and

Entity authorized by the Member that is used by Visa/Interlink for Settlement
reporting.

ID# 0026049 Edition: Oct 2024 | Last Updated: Oct 2019

Settlement Service A service that allows Members to consolidate the Settlement functions
of the Visa or Interlink systems into one centralized function and benefit
from flexible reporting options.

ID# 0029744 Edition: Oct 2024 | Last Updated: Oct 2016

SIGIS A US industry trade group, known as the Special Interest Group for
Inventory Information Approval System (IIAS) Standards, chartered with

19 October 2024 Visa Public 365

implementing processing standards for Healthcare Auto-Substantiation

Transactions in accordance with Internal Revenue Service (IRS)
regulations and responsible for licensing and certifying Merchants,
Members, and Agents that process such Transactions.

ID# 0025102 Edition: Oct 2024 | Last Updated: Oct 2014

Sponsored Merchant An entity for which Interlink payment services are provided by a
Payment Facilitator.

ID# 0025119 Edition: Oct 2024 | Last Updated: Apr 2023

Staged Digital Wallet Functionality that does all of the following:

l Can be used at more than one retailer
l Uses both:
– An account or accounts assigned to the Cardholder to complete
a purchase
– A Payment Credential to fund or reimburse the account assigned
to the Cardholder
l Is used to complete a Transaction, in any order, as follows:
– Purchase: Uses the account assigned to the Cardholder to pay
the retailer
– Funding: Uses the Payment Credential to fund or reimburse the
Staged Digital Wallet. The Digital Wallet Operator deposits the
Transaction for the funding amount with its Acquirer using the
Payment Credential.1
l Is capable of purchases using Back-to-Back Funding
1
Account Funding Transactions apply only to Card-Absent Interlink Transactions

ID# 0029532 Edition: Oct 2024 | Last Updated: Oct 2023

Stand-In Processing (STIP) The component (including Visa Smarter Stand-In Processing) that
provides Authorization services on behalf of an Issuer when the Issuer or
its VisaNet Processor is unavailable, when Issuer responses exceed the
maximum response time, or when the Issuer has instructed Visa to
process a Transaction on behalf of the Issuer.

ID# 0025121 Edition: Oct 2024 | Last Updated: Apr 2021

Static Data Authentication A type of offline data Authentication specified in the Visa Integrated
Circuit Card Specification (VIS) where the terminal validates a

19 October 2024 Visa Public 366

cryptographic value that was placed on the Chip during personalization.

ID# 0030538 Edition: Oct 2024 | Last Updated: Apr 2018

Stop Payment Service A service that allows an Issuer, upon Cardholder request, to place a stop
instruction against a Transaction completed in a Card-Absent
Environment.

ID# 0030697 Edition: Oct 2024 | Last Updated: Oct 2023

Stored Credential Information (including, but not limited to, a Payment Credential) that is
stored by a Merchant or its agent, a Payment Facilitator, or a Digital
Wallet Operator to process future Card-Absent Interlink Transactions.

ID# 0029547 Edition: Oct 2024 | Last Updated: Oct 2020

Stored Value Digital Functionality that does all of the following:

Wallet
l Can be used at more than one retailer
l Uses both:
– A Payment Credential
– A separate account or accounts assigned to the Cardholder
l Is used to complete a Transaction or transaction, in any order, as
follows:
– Purchase: Uses the account assigned to the Cardholder to pay
the retailer
– Funding: Uses the Payment Credential to fund or reimburse,
automatically or in real time, the Stored Value Digital Wallet for
an amount that is not directly connected to a specific purchase.
The Digital Wallet Operator deposits the Transaction for the
funding amount with its Acquirer using the Payment Credential.1
– Does not conduct Back-to-Back Funding
1
Account Funding Transactions apply only to Card-Absent Interlink Transactions

ID# 0030713 Edition: Oct 2024 | Last Updated: Oct 2023

T
T&E Travel and entertainment. All of the following Merchants1 and Merchant
segments:
l Airlines
l Cruise Lines

19 October 2024 Visa Public 367

l Lodging Merchants
l Passenger railways located in the US Region
l Travel agencies
l Vehicle Rental Merchants
1
A Card-Absent Environment Transaction by a T&E Merchant must be a qualified
Card-Absent Interlink Transaction.

ID# 0025141 Edition: Oct 2024 | Last Updated: Apr 2023

Terminal Risk A process performed by a Chip-Reading Device to protect a Member

Management from fraud by:
l Initiating Online Issuer Authorization for above-Floor Limit
Transactions
l Ensuring random Online processing for below-Floor Limit
Transactions
l Performing Transaction velocity checking

ID# 0025154 Edition: Oct 2024 | Last Updated: Apr 2010

Terminal Standardization A Visa service that tests Point-of-Transaction equipment for compliance
Program with standards for compatibility with VisaNet and reports the results to
Members.

ID# 0030539 Edition: Oct 2024 | Last Updated: Apr 2018

Terminated Merchant File A file (currently known as “MATCH”) maintained by Mastercard

Worldwide that identifies Merchants and principals of Merchants that
Acquirers have terminated for specified reasons.

ID# 0025159 Edition: Oct 2024 | Last Updated: Apr 2023

Third Party Agent An entity, not defined as a VisaNet Processor, that provides payment-
related services, directly or indirectly, to a Member and/or its Merchants
or Sponsored Merchants or their agents.

ID# 0025921 Edition: Oct 2024 | Last Updated: Apr 2020

Token A type of Payment Credential issued in accordance with the EMV

Payment Tokenisation Specification – Technical Framework.

ID# 0029108 Edition: Oct 2024 | Last Updated: Apr 2024

Trace Number The number assigned by the Merchant Interface System to identify a
Transaction.

19 October 2024 Visa Public 368

ID# 0030540 Edition: Oct 2024 | Last Updated: Apr 2018

Trade Name A name used to identify a business and to distinguish its activities from
those of other businesses. In some cases, the same words or symbols
may serve as a Trade Name and Mark simultaneously.

ID# 0025172 Edition: Oct 2024 | Last Updated: Apr 2010

Transaction The use of a Payment Credential to make a payment or otherwise

exchange value between a Cardholder (or an Issuer) and a Merchant (or
an Acquirer).

ID# 0025175 Edition: Oct 2024 | Last Updated: Apr 2020

Transaction Country The country in which a Merchant Outlet is located, regardless of the
Cardholder’s location when a Transaction occurs.

ID# 0025179 Edition: Oct 2024 | Last Updated: Oct 2016

Transaction Currency The currency in which a Transaction is originally completed.

ID# 0025180 Edition: Oct 2024 | Last Updated: Apr 2018

Transaction Date The date on which a Transaction between a Cardholder and a Merchant
occurs. The transaction date of a Pre-Authorization Transaction may
differ from the calendar date on which the Pre-Authorization request
was initiated by the Cardholder or received by the Issuer.

ID# 0025181 Edition: Oct 2024 | Last Updated: Apr 2010

Transaction Information Information necessary for processing Transactions, as specified in the

Payment Card Industry Data Security Standard (PCI DSS).

ID# 0025183 Edition: Oct 2024 | Last Updated: Apr 2023

Transaction Receipt An electronic or paper record of a Transaction (or a copy), generated at

the Point-of-Transaction.

ID# 0025184 Edition: Oct 2024 | Last Updated: Apr 2011

U
Unattended Cardholder- An Acceptance Device that accepts payments for the dispensing of
Activated Terminal (UCAT) goods and/or for providing services in a Card-Present Environment
when an individual representing the Merchant or Acquirer is not
physically present at the time the Transaction is completed.

ID# 0025720 Edition: Oct 2024 | Last Updated: Apr 2024

19 October 2024 Visa Public 369

Unscheduled Credential- A Card-Absent Interlink Transaction that uses a Stored Credential for a
on-File Transaction fixed or variable amount and does not occur on a scheduled or regularly
occurring Transaction Date, where the Cardholder has provided consent
for the Merchant to initiate one or more future Transactions.

ID# 0029548 Edition: Oct 2024 | Last Updated: Apr 2023

US Covered Visa Debit A Card issued in the US Region or a US Territory that accesses a
Card transaction, savings, or other asset account, regardless of whether
Cardholder Verification is based on signature, PIN, or other means, but
solely to the extent any such Card is a “debit card” as defined in Federal
Reserve Board Regulation II, 12 CFR Part 235.

ID# 0026512 Edition: Oct 2024 | Last Updated: Apr 2020

US Territory One of the following:

l American Samoa
l Guam
l Commonwealth of the Northern Mariana Islands
l Puerto Rico
l US Minor Outlying Islands
l U.S. Virgin Islands

ID# 0026422 Edition: Oct 2024 | Last Updated: Oct 2014

V
Vehicle Rental Merchant A Merchant that rents cars, vans, trucks, trailers, and other similar
vehicles (MCCs 3351 – 3500, 7512, 7513).

ID# 0029520 Edition: Oct 2024 | Last Updated: Apr 2023

V.I.P. System VisaNet Integrated Payment System. The online component of VisaNet
that provides routing and processing of Authorizations and financial
Transactions.

ID# 0025201 Edition: Oct 2024 | Last Updated: Oct 2021

Visa Visa International Service Association and all of its subsidiaries and
affiliates.

ID# 0025217 Edition: Oct 2024 | Last Updated: Oct 2016

Visa Confidential A classification label assigned to information created by Interlink, the

use and Member handling of which is subject to certain minimum

19 October 2024 Visa Public 370

standards of diligence and care to prevent unauthorized disclosure or

business harm to Interlink.

ID# 0026799 Edition: Oct 2024 | Last Updated: Apr 2018

Visa Contactless A Visa application contained on a Chip that enables a Visa Contactless
Application Payment Specification-compliant Contactless Payment Transaction to be
performed.

ID# 0027792 Edition: Oct 2024 | Last Updated: Apr 2018

Visa Global Billing The primary billing system used by Interlink that details charges
Platform assessed to Members and collected in accordance with the appropriate
VisaNet User’s Manual.

ID# 0024680 Edition: Oct 2024 | Last Updated: Apr 2021

Visa Healthcare Auto- A suite of documents that includes:

Substantiation
Transactions Documents
l Visa Healthcare Auto-Substantiation Transaction Consolidated
Technical Requirements
l Visa Healthcare Auto-Substantiation Transaction Retrieval of SIGIS
Receipt Detail Implementation Guide
l Visa Healthcare Auto-Substantiation Transaction Service
Description and Implementation Guide

ID# 0030542 Edition: Oct 2024 | Last Updated: Apr 2018

Visa Inc. A Delaware stock corporation.

ID# 0025328 Edition: Oct 2024 | Last Updated: Apr 2010

Visa Innovation Center Any of the Visa Innovation Centers (or studios) located anywhere
worldwide, including any of the Visa personnel thereof, regardless of
where such personnel perform their work.

ID# 0030675 Edition: Oct 2024 | Last Updated: Oct 2020

Visa Integrity Risk A global program that monitors Acquirers, Merchants, Marketplaces,
Program (VIRP) Payment Facilitators, Sponsored Merchants, and Digital Wallet
Operators to ensure that these entities do not do any of the following:
l Process illegal Transactions
l Engage in potentially deceptive marketing practices, as specified in
the Visa Integrity Risk Program Guide
l Process Transactions that may adversely affect the goodwill of the

19 October 2024 Visa Public 371

Interlink system

ID# 0030983 Edition: Oct 2024 | Last Updated: Apr 2023

Visa Interlink Settlement A bank where Interlink maintains its Settlement accounts and performs
Bank funds transfer for Settlement.

ID# 0025391 Edition: Oct 2024 | Last Updated: Apr 2010

Visa Merchant Direct A Merchant that directly enters Authorization requests or online
Exchange financial transactions into the V.I.P. System.

ID# 0027068 Edition: Oct 2024 | Last Updated: Apr 2018

Visa Resolve Online An online Visa service for the retrieval and transmission of dispute
resolution information and documentation.

ID# 0025388 Edition: Oct 2024 | Last Updated: Oct 2017

Visa Restricted A classification label assigned to Visa or Interlink proprietary information

(highly sensitive business or technical information) or personal data that
requires the highest degree of protection and the strictest standards of
diligence and care to prevent unauthorized disclosure or business harm
to Visa/Interlink.
Visa Restricted information that contains identifiable Cardholder data or
personally identifiable information and is subject to regulatory
requirements or industry compliance standards is further classified as
“Visa Restricted – Personal Data.”

ID# 0030035 Edition: Oct 2024 | Last Updated: Apr 2018

Visa Token Service Active An Issuer that has performed the onboarding process with Visa to
Issuer Participant participate in the Visa Token Service.

ID# 0030569 Edition: Oct 2024 | Last Updated: Oct 2018

Visa Token Service Basic An Issuer that has been enrolled by Visa to participate in the Visa Token
Issuer Participant Service for Card-Absent Environment Transactions.

ID# 0030570 Edition: Oct 2024 | Last Updated: Apr 2023

Visa US Common Debit An EMV-compliant Application Identifier licensed for use with EMV- and
Application Identifier VIS-based applications for the purpose of processing a transaction
covered by the Dodd-Frank Act and Federal Reserve Board Regulation II
on certain debit products.

ID# 0027582 Edition: Oct 2024 | Last Updated: Oct 2014

19 October 2024 Visa Public 372

Visa US Regulation II A certification program that enables an Issuer in the US Region or a US

Certification Program Territory to certify the status of its consumer debit, business debit, and
prepaid portfolios in alignment with US Federal Reserve Board
Regulation II, 12 CFR Part 235.
The program also enables an Issuer in the US Region or a US Territory to
notify Visa of its compliance with the final fraud-prevention standards of
the US Federal Reserve Board Regulation II, 12 CFR Part 235.

ID# 0026999 Edition: Oct 2024 | Last Updated: Oct 2014

Visa U.S.A. Board of The Visa U.S.A. Board of Directors.

Directors
ID# 0030545 Edition: Oct 2024 | Last Updated: Apr 2018

VisaNet The platform through which Visa delivers to Members online

Authorization and processing, Clearing and Settlement, and reporting
services.

ID# 0025218 Edition: Oct 2024 | Last Updated: Oct 2021

VisaNet Interchange A Visa facility that operates the VisaNet data processing systems and
Center support networks.

ID# 0025229 Edition: Oct 2024 | Last Updated: Oct 2016

VisaNet Processor A Member, or Visa-approved non-Member, that is directly connected to

VisaNet and that provides Authorization, Clearing, or Settlement
services to Merchants and/or Members.

ID# 0025230 Edition: Oct 2024 | Last Updated: Oct 2016

VisaNet Settlement The VisaNet system that provides the net Settlement position and
Service Settlement reporting services to BASE II Clearing Processors and Full
Service Members.

ID# 0025232 Edition: Oct 2024 | Last Updated: Oct 2021

VisaNet Test System The hardware, software, and documentation software provided by Visa
for use during the certification process

ID# 0030544 Edition: Oct 2024 | Last Updated: Apr 2018

VIS-Compliant A Card application that complies with the requirements specified in the
Visa Integrated Circuit Card Specification (VIS) and has been approved
by Visa Approval Services.

ID# 0025214 Edition: Oct 2024 | Last Updated: Apr 2017

19 October 2024 Visa Public 373

W
Waiver A temporary formal consent, granted by Interlink, that permits a
Member or Members to not comply with one or more specific rules in
the Interlink Rules, and may be repealed, modified, or extended at the
discretion of Interlink.

ID# 0026498 Edition: Oct 2024 | Last Updated: Oct 2016

X
No glossary terms
available for X. ID# 0025513 Edition: Oct 2024 | Last Updated: Apr 2010

Y
No glossary terms
available for Y. ID# 0025514 Edition: Oct 2024 | Last Updated: Apr 2010

Z
No glossary terms
available for Z. ID# 0030575 Edition: Oct 2024 | Last Updated: Oct 2018

19 October 2024 Visa Public 374

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