Interregional Interchange Guide

Visa Supplemental Requirements

Version 1.8

Effective 18 October 2019 CPD 19 October 2019

Visa Confidential
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© 2015-2019 Visa. All Rights Reserved.

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Note: This document is a supplement of the Visa Core Rules and Visa Product and Service Rules. In
the event of any conflict between any content in this document, any document referenced
herein, any exhibit to this document, or any communications concerning this document, and
any content in the Visa Core Rules and Visa Product and Service Rules, the Visa Core Rules and
Visa Product and Service Rules shall govern and control.

18 October 2019 Visa Confidential II

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Contents
Interchange Processing: Visa Supplemental Requirements

Contents
Tables ............................................................................................................................................................................. vii
Figures ..............................................................................................................................................................................x
Introduction .................................................................................................................................................................. 11
About This Guide .................................................................................................................................................................... 12
Summary of Changes ............................................................................................................................................................ 12
For More Information ............................................................................................................................................................ 13
1 Interchange Processing ......................................................................................................................................14
1.1 Interregional Jurisdiction ........................................................................................................................................... 15
1.2 Interchange General Concepts ................................................................................................................................ 19
1.3 Interchange Determination....................................................................................................................................... 22
1.4 Fee Program Indicator (FPI) Processing for Interregional Transactions ................................................... 25
1.4.1 Fee Program Indicator (FPI) ........................................................................................................................... 25
1.4.2 Fee Program Indicator (FPI) Processing .................................................................................................... 25
1.4.2.1 Fee Program Indicator (FPI) processing in V.I.P. Messages ............................................................... 25
1.4.2.2 Fee Program Indicator (FPI) processing in BASE II................................................................................ 27
1.4.2.2.1 Fee Program Indicator Reclassification and Returns in BASE II transactions ........................ 28
1.4.2.2.2 Fee Amount in BASE II Transactions ..................................................................................................... 30
1.4.2.3 Merchant Verification Value (MVV) ............................................................................................................ 31
2 Interregional Interchange Reimbursement Fees Summary ..................................................................... 33
3 POS U.S. Debit Regulated Fee Program– Technical Requirements ....................................................... 35
3.1 U.S. and U.S. Territory Interregional Regulated Debit Fee Program ......................................................... 35
3.1.1 Program Processing Rules ............................................................................................................................. 35
3.1.1.1 Eligible Products ................................................................................................................................................ 35
3.1.1.2 Transaction Types.............................................................................................................................................. 36
3.1.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 36
3.1.2 Fee Descriptors and Rates.............................................................................................................................. 37
4 POS Interchange Reimbursement Fee Programs - Technical Requirements ...................................... 39
4.1 Visa Partner Program (VPP) Fee Program ........................................................................................................... 39
4.1.1 Program Processing Rules ............................................................................................................................. 39
4.1.1.1 Eligible Products ................................................................................................................................................ 39
4.1.1.2 Transaction Types.............................................................................................................................................. 40
4.1.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 40
4.1.2 Fee Descriptors and Rates.............................................................................................................................. 41
4.2 Business Fee Program ................................................................................................................................................. 42
4.2.1 Program Processing Rules ............................................................................................................................. 42
4.2.1.1 Eligible Products ................................................................................................................................................ 42
4.2.1.2 Transaction Types.............................................................................................................................................. 42
4.2.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 43
4.2.2 Fee Descriptors and Rates.............................................................................................................................. 43
4.3 Corporate Fee Program .............................................................................................................................................. 44
4.3.1 Program Processing Rules ............................................................................................................................. 44
4.3.1.1 Eligible Products ................................................................................................................................................ 44
4.3.1.2 Transaction Types.............................................................................................................................................. 44
4.3.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 45
4.3.2 Fee Descriptors and Rates.............................................................................................................................. 45
4.4 Global B2B Virtual Payments Fee Program ......................................................................................................... 46
4.4.1 Program Processing Rules ............................................................................................................................. 46

18 October 2019 Visa Confidential III

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Contents
Interchange Processing: Visa Supplemental Requirements

4.4.1.1 Eligible Products ................................................................................................................................................ 46

4.4.1.2 Transaction Types.............................................................................................................................................. 46
4.4.1.2.1 Eligible Merchant Category Codes (MCC) .......................................................................................... 47
4.4.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 48
4.4.2 Fee Descriptors and Rates.............................................................................................................................. 48
4.5 Purchasing Fee Program ............................................................................................................................................ 49
4.5.1 Program Processing Rules ............................................................................................................................. 49
4.5.1.1 Eligible Products ................................................................................................................................................ 49
4.5.1.2 Transaction Types.............................................................................................................................................. 49
4.5.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 50
4.5.2 Fee Descriptors and Rates.............................................................................................................................. 50
4.6 EEA Merchants Interregional Fee Programs ....................................................................................................... 51
4.6.1 Program Processing Rules ............................................................................................................................. 51
4.6.1.1 Eligible Products ................................................................................................................................................ 51
4.6.1.2 EEA Merchant Country List ............................................................................................................................ 52
4.6.1.3 Transaction Types.............................................................................................................................................. 53
4.6.1.4 Fee Edit and Reclassification Criteria ......................................................................................................... 54
4.6.2 Fee Descriptors and Rates.............................................................................................................................. 55
4.7 Super Premium Card Fee Program ........................................................................................................................ 56
4.7.1 Program Processing Rules ............................................................................................................................. 56
4.7.1.1 Eligible Products ................................................................................................................................................ 56
4.7.1.2 Transaction Types.............................................................................................................................................. 57
4.7.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 57
4.7.2 Fee Descriptors and Rates.............................................................................................................................. 57
4.8 Premium Card Fee Program ..................................................................................................................................... 58
4.8.1 Program Processing Rules ............................................................................................................................. 58
4.8.1.1 Eligible Products ................................................................................................................................................ 58
4.8.1.2 Transaction Types.............................................................................................................................................. 59
4.8.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 59
4.8.2 Fee Descriptors and rates ............................................................................................................................... 59
4.9 Electronic Commerce Merchant Fee Program ................................................................................................... 61
4.9.1 Program Processing Rules ............................................................................................................................. 61
4.9.1.1 Eligible Products ................................................................................................................................................ 61
4.9.1.2 Transaction Types.............................................................................................................................................. 61
4.9.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 61
4.9.1.3.1 Non-Originals Transactions Processing Rules .................................................................................. 62
4.9.2 Fee Descriptors and Rates.............................................................................................................................. 63
4.10 Secure Electronic Commerce Fee Program ........................................................................................................ 64
4.10.1 Program Processing Rules ............................................................................................................................. 64
4.10.1.1 Eligible Products ................................................................................................................................................ 64
4.10.1.2 Transaction Types.............................................................................................................................................. 64
4.10.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 64
4.10.1.3.1 Non-Originals Transactions Processing Rules .................................................................................. 65
4.10.2 Fee Descriptors and Rates.............................................................................................................................. 66
4.11 Chip Terminal: Acquirer Chip Fee Program ........................................................................................................ 67
4.11.1 Program Processing Rules ............................................................................................................................. 67
4.11.1.1 Eligible Products ................................................................................................................................................ 67
4.11.1.2 Transaction Types.............................................................................................................................................. 67
4.11.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 67
4.11.1.3.1 Non-Originals Transactions Processing Rules .................................................................................. 68
4.11.2 Fee Descriptors and Rates.............................................................................................................................. 69

18 October 2019 Visa Confidential IV

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Contents
Interchange Processing: Visa Supplemental Requirements

4.12 Chip Terminal: Issuer Chip Fee Program .............................................................................................................. 70

4.12.1 Program Processing Rules ............................................................................................................................. 70
4.12.1.1 Eligible Products ................................................................................................................................................ 70
4.12.1.2 Transaction Types.............................................................................................................................................. 70
4.12.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 70
4.12.1.3.1 Non-Originals Transactions Processing Rules .................................................................................. 71
4.12.2 Fee Descriptors and Rates.............................................................................................................................. 72
4.13 Electronic Fee Program .............................................................................................................................................. 73
4.13.1 Program Processing Rules ............................................................................................................................. 73
4.13.1.1 Eligible Products ................................................................................................................................................ 73
4.13.1.2 Transaction Types.............................................................................................................................................. 73
4.13.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 73
4.13.1.4 Non-Originals Transactions Processing Rules ........................................................................................ 74
4.13.2 Fee Descriptors and Rates.............................................................................................................................. 74
4.14 Standard Fee Program ................................................................................................................................................ 76
4.14.1 Program Processing Rules ............................................................................................................................. 76
4.14.1.1 Eligible Products ................................................................................................................................................ 76
4.14.1.2 Transaction Types.............................................................................................................................................. 76
4.14.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 76
4.14.2 Fee Descriptors and Rates.............................................................................................................................. 77
5 Cash Disbursements Fee Programs - Technical Requirements ............................................................... 79
5.1 ATM Cash Disbursement Fee Program ................................................................................................................ 79
5.1.1 Program Processing Rules ............................................................................................................................. 79
5.1.1.1 Eligible Products ................................................................................................................................................ 79
5.1.1.2 Transaction Types.............................................................................................................................................. 79
5.1.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 79
5.1.2 Fee Descriptors and rates ............................................................................................................................... 82
5.2 ATM Non-Financial Fees ............................................................................................................................................ 83
5.2.1 Program Processing Rules ............................................................................................................................. 83
5.2.1.1 Eligible Products ................................................................................................................................................ 83
5.2.1.2 Transaction Types.............................................................................................................................................. 83
5.2.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 83
5.2.2 Fee Descriptors and rates ............................................................................................................................... 85
5.3 Manual Cash Disbursement Fee Program ........................................................................................................... 86
5.3.1 Program Processing Rules ............................................................................................................................. 86
5.3.1.1 Eligible Products ................................................................................................................................................ 86
5.3.1.2 Transaction Types.............................................................................................................................................. 86
5.3.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 86
5.3.2 Fee Descriptors and Rates.............................................................................................................................. 87
6 Original Credit Transactions (OCTs) Fee Programs - Technical Requirements .................................. 89
6.1 Enhanced Original Credit Transactions (OCTs) Fee Program (Fast funds) Fee Program ................... 89
6.1.1 Program Processing Rules ............................................................................................................................. 89
6.1.1.1 Eligible Products ................................................................................................................................................ 89
6.1.1.2 Transaction Types.............................................................................................................................................. 89
6.1.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 89
6.1.2 Fee Descriptors and rates ............................................................................................................................... 90
6.2 Original Credit Transactions (OCTs) - Non-Fast Funds Fee Program ....................................................... 91
6.2.1 Program Processing Rules ............................................................................................................................. 91
6.2.1.1 Eligible Products ................................................................................................................................................ 91
6.2.1.2 Transaction Types.............................................................................................................................................. 91
6.2.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 91

18 October 2019 Visa Confidential V

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Contents
Interchange Processing: Visa Supplemental Requirements

6.2.2 Fee Descriptors and rates ............................................................................................................................... 92

7 Interlink Interchange Reimbursement Fee Programs - Technical Requirements .............................. 93
7.1 Interlink Standard Fee Program .............................................................................................................................. 93
7.1.1 Program Processing Rules ............................................................................................................................. 93
7.1.1.1 Eligible Products ................................................................................................................................................ 93
7.1.1.2 Transaction Types.............................................................................................................................................. 93
7.1.1.3 Fee Edit and Reclassification Criteria ......................................................................................................... 93
7.1.2 Fee Descriptors and Rates.............................................................................................................................. 94
8 Mobile Push Payment Fee Programs - Technical Requirements............................................................ 95
8.1 Mobile Push Payment Merchant Payment Fee Program ............................................................................... 96
8.1.1 Program Processing Rules ............................................................................................................................. 96
8.1.1.1 Eligible Products ................................................................................................................................................ 96
8.1.1.2 EEA Card-Not-Present/Other Fee Program ............................................................................................. 99
8.1.1.3 Transaction Types........................................................................................................................................... 100
8.1.1.4 Fee Edit and Reclassification Criteria ...................................................................................................... 100
8.1.2 Fee Descriptors and Rates........................................................................................................................... 101
8.2 Mobile Push Payment Cash-Out Fee Program ............................................................................................... 102
8.2.1 Program Processing Rules .......................................................................................................................... 102
8.2.1.1 Eligible Products ............................................................................................................................................. 102
8.2.1.2 Transaction Types........................................................................................................................................... 102
8.2.1.3 Fee Edit and Reclassification Criteria ...................................................................................................... 102
8.2.2 Fee Descriptors and Rates........................................................................................................................... 103
8.3 Mobile Push Payment Manual Cash-Claim Fee Program ........................................................................... 104
8.3.1 Program Processing Rules .......................................................................................................................... 104
8.3.1.1 Transaction Types........................................................................................................................................... 104
8.3.1.2 Fee Edit and Reclassification Criteria ...................................................................................................... 104
8.3.2 Fee Descriptors and Rates........................................................................................................................... 105
9 Visa Claim Resolution (VCR) .......................................................................................................................... 107
9.1 Fee Descriptors ........................................................................................................................................................... 107
10 List of all Interregional Fee Programs, Fee Descriptors and Fee Programs Indicators (FPIs) ....... 109
11 List of valid Product IDs (PIDs)....................................................................................................................... 113

18 October 2019 Visa Confidential VI

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Tables
Interchange Processing: Visa Supplemental Requirements

Tables

Table 1–1: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating .........
from a U.S. Region ............................................................................................................................................ 15
Table 1–2: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating .........
from Canada Region ........................................................................................................................................ 15
Table 1–3: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating .........
from A.P. Region ................................................................................................................................................ 15
Table 1–4: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating .........
from LAC Region ............................................................................................................................................... 16
Table 1–5: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating .........
from CEMEA Region ......................................................................................................................................... 16
Table 1–6: Interregional Interchange Reimbursement Fee Jurisdiction for transactions .................................
originated/destined to French Outermost Regions territories in LAC and CEMEA ................. 17
Table 1–7: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating .........
from U.S. territories in Asia Pacific and LAC ............................................................................................ 17
Table 1–8: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating .........
from Multinational Acceptance Acquirer (MAA) Program Acquirers ............................................ 18
Table 1–9: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating .........
from Europe Region non-EEA merchants and certain French territory countries .................... 18
Table 1–10: Interregional Interchange Reimbursement Fee Jurisdiction for Visa consumer cards.................
transactions originating from EEA and certain French territory countries .................................. 18
Table 1–11: Interregional Interchange Reimbursement Fee Jurisdiction for Interregional Regulated .........
Debit Card and Interlink transactions ........................................................................................................ 19
Table 1–12: Interchange Flow by Transaction Type ..................................................................................................... 22
Table 1–13: Field 63.19 Format and Data Requirements` .......................................................................................... 26
Table 1–14: SMS Raw Data Records ................................................................................................................................... 26
Table 1–15: SMS Transaction Detail Reports-Line 5 Interchange Reimbursement Fee .................................. 26
Table 1–16: Fee Program Indicator in BASE II Draft Data, TCR1 record................................................................ 27
Table 1–17: Draft Data TC 04, TCR 9—Reclassification Advice Record Layout .................................................. 28
Table 1–18: BASE II Return and Reclassification Reason Codes .............................................................................. 29
Table 1–19: Fee Amount in BASE II Draft Data TCR 5—Payment Service Data ................................................. 30
Table 1–20: Merchant Verification Value in V.I.P. Messages ..................................................................................... 31
Table 1–21: Merchant Verification Value in Draft Data, TCR 5—Payment Service Data ................................ 32
Table 1–22: Merchant Verification Value Processing Rules ....................................................................................... 32
Table 2–1: Interregional Rates ............................................................................................................................................ 33
Table 3–1: List of products eligible for Interregional Interlink Regulated Fee Program .............................. 35
Table 3–2: List of Visa products eligible for Regulated Debit Fee Program ..................................................... 36
Table 3–3: Fee Edit Criteria for U.S. and U.S. Territory Regulated Debit Fee Program for Purchases .........
and Credit Voucher Transactions ................................................................................................................ 37
Table 3–4: U.S. and U.S. Territory Interregional Regulated Debit Fee Program .............................................. 37
Table 4–1: List of products eligible for Visa Partner Program (VPP) Fee Program ......................................... 40
Table 4–2: Fee Edit Criteria for Visa Partner Program (VPP) Fee Program ........................................................ 41
Table 4–3: Visa Partner Program (VPP) Fee Program ................................................................................................ 41
Table 4–4: List of products eligible for Business Fee Program .............................................................................. 42
Table 4–5: Fee Edit Criteria for Business Fee Program .............................................................................................. 43
Table 4–6: Interregional Business Fee Program........................................................................................................... 43
Table 4–7: List of products eligible for Corporate Fee Program ........................................................................... 44
Table 4–8: Fee Edit Criteria for Corporate Fee Program .......................................................................................... 45
Table 4–9: Interregional Corporate Fee Program ....................................................................................................... 45

18 October 2019 Visa Confidential VII

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Tables
Interchange Processing: Visa Supplemental Requirements

Table 4–10: List of products eligible for Global B2B Virtual Payments Fee Program ...................................... 46
Table 4–11: Global B2B Virtual Payments Fee Program eligible MCCs ................................................................. 47
Table 4–12: Fee Edit Criteria for Global B2B Virtual Payments Fee Program...................................................... 48
Table 4–13: Interregional Global B2B Virtual Payments Fee Program .................................................................. 48
Table 4–14: List of products eligible for Purchasing Fee Program ......................................................................... 49
Table 4–15: Fee Edit Criteria for Purchasing Fee Program for Purchases and Credit Voucher
Transactions......................................................................................................................................................... 50
Table 4–16: Interregional Purchasing Fee Program...................................................................................................... 50
Table 4–17: List of current Visa consumer products .................................................................................................... 51
Table 4–18: List of applicable EEA Merchant Countries .............................................................................................. 52
Table 4–19: Fee Edit Criteria for EEA Merchant Face-to-Face Fee Program ....................................................... 54
Table 4–20: Fee Edit Criteria for EEA Merchant Card-Not-Present/Other fee Program ................................. 54
Table 4–21: Fee Edit Criteria for EEA Merchant Credit Voucher/Merchandise Return Fee Program ......... 55
Table 4–22: Interregional EEA Merchant Interregional Fee Programs .................................................................. 55
Table 4–23: List of products eligible for Super Premium Fee Program ................................................................ 56
Table 4–24: Fee Edit Criteria for Super Premium Fee Program ................................................................................ 57
Table 4–25: Interregional Super Premium Fee Program............................................................................................. 57
Table 4–26: List of products eligible for Premium Fee Program ............................................................................. 58
Table 4–27: Fee Edit Criteria for Premium Fee Program ............................................................................................. 59
Table 4–27: Interregional Premium Fee Program ......................................................................................................... 59
Table 4–29: Fee Edit Criteria for Electronic Commerce Merchant Fee Program for Purchases ........................
Transactions......................................................................................................................................................... 62
Table 4–30: Fee Edit Criteria for Electronic Commerce Merchant Fee Program Credit Vouchers ...................
Transactions......................................................................................................................................................... 63
Table 4–31: Electronic Commerce Merchant Fee Program ....................................................................................... 63
Table 4–32: Fee Edit Criteria for Secure Electronic Commerce Fee Program for Original .................................
Purchases Transactions ................................................................................................................................... 65
Table 4–33: Fee Edit Criteria for Secure Electronic Commerce Fee Program Credit Vouchers .........................
Transactions......................................................................................................................................................... 66
Table 4–34: Secure Electronic Commerce Fee Program ............................................................................................. 66
Table 4–35: Fee Edit Criteria Fee Edit Criteria for Acquirer Chip Fee Program Original Purchases .................
Transactions......................................................................................................................................................... 68
Table 4–36: Fee Edit Criteria for Acquirer Chip Fee Program Credit Vouchers Transactions ....................... 69
Table 4–37: Acquirer Chip Fee Program ........................................................................................................................... 69
Table 4–38: Fee Edit Criteria Fee Edit Criteria for Issuer Chip Fee Program Original Purchases ......................
Transactions......................................................................................................................................................... 71
Table 4–39: Fee Edit Criteria for Issuer Chip Fee Program Credit Vouchers Transactions ............................. 72
Table 4–40: Issuer Chip Fee Program................................................................................................................................. 72
Table 4–41: Fee Edit Criteria for Electronic Fee Program Original Purchases Transactions .......................... 74
Table 4–42: Fee Edit Criteria for Electronic Fee Program Credit Vouchers Transactions ............................... 74
Table 4–43: Electronic Fee Program ................................................................................................................................... 75
Table 4–44: Standard Fee Program..................................................................................................................................... 77
Table 5–1: Fee Edit Criteria for all ATM Cash Disbursement Fee Program Transactions ............................. 80
Table 5–2: ATM Cash Disbursement Fee Program ..................................................................................................... 82
Table 5–3: Fee Edit Criteria for all ATM Balance Inquiry Transactions ................................................................ 83
Table 5–4: Fee Edit Criteria for all ATM Decline Transactions ................................................................................ 84
Table 5–5: Fee Edit Criteria for all ATM Account Transfer Transactions ............................................................. 84
Table 5–6: Fee Edit Criteria for ATM Mini Statements .............................................................................................. 84
Table 5–7: Fee Edit Criteria for PIN Management Service Transactions ............................................................ 85
Table 5–8: ATM Disbursement Fee Program ................................................................................................................ 85
Table 5–9: Fee Edit Criteria for all Manual Cash Disbursement Transactions .................................................. 86

18 October 2019 Visa Confidential VIII

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Tables
Interchange Processing: Visa Supplemental Requirements

Table 5–10: Manual Cash Disbursement Fee Program................................................................................................ 87

Table 6–1: Fee Edit Criteria for all OCTs (Fast funds) Fee Program Transactions ........................................... 90
Table 6–2: Enhanced OCTs (Fast funds) Fee Program ............................................................................................... 90
Table 6–3 Fee Edit Criteria OCTs (non-fast funds) Fee Program Transactions ............................................... 91
Table 6–4: OCTs Fee Program (non-fast funds) ........................................................................................................... 92
Table 7–1: List of products eligible for Interlink Standard Fee Program ........................................................... 93
Table 7–2: Fee Edit Criteria for Interlink Standard Fee Program for Purchases and Merchandise ..............
Return Transactions .......................................................................................................................................... 94
Table 7–3: Interlink Standard Fee Program ................................................................................................................... 94
Table 8–1: List of eligible Business products ................................................................................................................ 96
Table 8–2: List of eligible Corporate products ............................................................................................................. 96
Table 8–3: List of eligible Purchasing products ........................................................................................................... 97
Table 8–4: List of eligible Super Premium consumer products ............................................................................. 97
Table 8–5: List of eligible Premium consumer products .......................................................................................... 98
Table 8–6: List of all other eligible consumer products............................................................................................ 99
Table 8–7: Fee Edit Criteria for Mobile Push Payment Merchant Payment Fee Program ........................ 100
Table 8–8: Mobile Push Payment Merchant Payment Fee Program ................................................................ 101
Table 8–9: Fee Edit Criteria for Mobile Push Payment Cash-Out Fee Program ........................................... 103
Table 8–10: Mobile Push Payment Cash-Out Fee Program .................................................................................... 103
Table 8–11: Fee Edit Criteria for Mobile Push Payment Cash-Claim Fee Program......................................... 105
Table 8–12: Mobile Push Payment Cash-Claim Fee Program................................................................................. 105
Table 9–1: VCR Fee Descriptors for Dispute Financials ......................................................................................... 107
Table 10–1: Interregional FPIs, Fee Programs, Fee Descriptors and Rates Table ............................................ 109
Table 11–1: Valid PIDs ........................................................................................................................................................... 113

18 October 2019 Visa Confidential IX

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Figures
Interregional Interchange Guide: Visa Supplemental Requirements

Figures

Figure 1–1: BASE II FPI Return/Reclassification processing rules .......................................................................... 29

18 October 2019 Visa Confidential X

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Introduction
Interregional Interchange Guide: Visa Supplemental Requirements

Introduction
The Interregional Interchange Guide (‘Guide’) details the interchange reimbursement fees that are
available to Visa Inc. issuers and acquirers globally. This Guide is a Visa Inc. official publication outlining
interchange reimbursement fee programs and rates applicable to Visa clients and supersedes any other
interchange related documents or representations.
Unless otherwise noted, all rates described in this Guide apply to interregional transactions.
Interregional transactions are those originating at merchants acquired by clients in one Visa Inc. region
on Visa cards issued by clients in another Visa Inc. region; some other specific scenarios might exist and
these will be listed in this guide as needed.
Important: For sake of simplicity in this document, including Original Credits, Account Funding, and
Cash Disbursement Fees client-to-client fees might be referred to as an interchange reimbursement fee
To qualify for a specific rate, the transaction must comply with all interchange reimbursement fee
program qualifications and processing requirements in effect on the transaction date as specified in this
Guide, in the applicable Visa Core Rules and Visa Product and Service Rules, and the appropriate
VisaNet Technical Specifications.
It is the responsibility of the Acquirer to accurately apply the applicable rates and to ensure accuracy of
Interchange Reimbursement Fee Program information associated with each transaction processed by
the Acquirer. In the event that any merchant’s transactions have not been assigned the applicable rate
pursuant to this Guide, the rate which was applied to the transaction shall, only for the purposes of
assessing Visa’s responsibility for such transaction, be deemed to be the applicable and appropriate
rate.
Important: This publication could include technical inaccuracies or typographical errors; any
errors/inaccuracies will be corrected when identified.
Changes are periodically added to the information herein: These changes will be incorporated in new
editions of the publication. Visa Inc. reserves the right to make amendments to this Guide at any time.
Note: This document is a supplement of the Visa Core Rules and Visa Product and Service Rules. In
the event of any conflict between any content in this document, any document referenced
herein, any exhibit to this document, or any communications concerning this document, and
any content in the Visa Core Rules and Visa Product and Service Rules, the Visa Core Rules and
Visa Product and Service Rules shall govern and control.

18 October 2019 Visa Confidential 11

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Introduction
Interregional Interchange Guide: Visa Supplemental Requirements

About This Guide

Purpose
This document is to provide the information on the various interchange reimbursement fee programs for
interregional transactions and the various edit criteria that is required for each of the fee programs included in
this guide.

Audience
The guide is intended for Visa Inc. customer’s business, technical and operations staff.

Disclaimers
 Rates are provided for reference only. While Visa will use its best efforts to ensure that this guide
is kept up to date, Visa does not guarantee that it is so. In the event of any discrepancy between
these rates and rates that are deemed official by Visa, the rates that are deemed official will apply.
 These rates are not exhaustive and there may be other rates in the system that may apply.
 These rates are applicable subject to the transactions fulfilling certain qualification criteria as
highlighted in this document.
 Clients should check their settlement reports to ensure that they are receiving the expected rates.
 To the extent permitted by law, Visa should not be held liable for any loss or damage (including
special, indirect and consequential loss or damage) in connection with clients’ use of this guide.

Summary of Changes

Since the last version of the Interregional Interchange Guide version 1.6 with effective date of 13 April 2018
(CPD 14 April 2018) was published, updates have occurred that are contained in the document below. This
version of the Interregional Interchange Guide completely replaces all previous versions.

18 October 2019 Visa Confidential 12

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Introduction
Interregional Interchange Guide: Visa Supplemental Requirements

Summary of Changes

Section Status Description of Change

Wording and format updates throughout document.
Revised terminology, Acquirer BIN is now Acquirer Identifier
All Updated Clarified transaction types
No updates to existing Fee Programs edit criteria or rates other that the ones
listed in this table.
1 Updated Updated jurisdiction tables – added new Interregional jurisdiction for
transactions in European Economic Area (EEA) Countries as per October 2019
BER article 2.12 New Interregional Interchange for Visa Consumer
Transactions in European Economic Area Countries
4 Updated Following updates were done as per Interregional jurisdiction for transactions
in European Economic Area (EEA) Countries as per October 2019 BER article
2.12 New Interregional Interchange for Visa Consumer Transactions in
European Economic Area Countries
 Updated sections numbers
 Added section:
o 4.6 - EEA Merchants Interregional Fee Programs
 Updated eligibility criteria for:
o 4.7 - Super Premium Card Fee Program
o 4.8 - Premium Card Fee Program
6 Updated Updated section 6-Original Credit Transactions (OCTs) Fee Programs -
Technical Requirements as per October 2019 BER article 2.9 Changes to
Interregional Original Credit Transaction Client-to-Client Rates
 Updated Interregional OCT Fee Program Rates
8 Updated Added EEA Card-Not-Present/Other Fee Program and updated default fee
program as per October 2019 BER articles
 2.6 Changes to Interregional Interchange for Mobile Push Payment
Transactions
 2.12 New Interregional Interchange for Visa Consumer Transactions in
European Economic Area Countries
10 Updated Updated Interregional OCT Fee Program Rates as per October 2019 BER
article 2.9 Changes to Interregional Original Credit Transaction Client-to-
Client Rates
Added EEA Merchants Interregional Fee Programs fee descriptors, FPIs and
rates

For More Information

Please contact your Visa Account Executive

18 October 2019 Visa Confidential 13

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing: Interregional Jurisdiction
Interregional Interchange Guide: Visa Supplemental Requirements

1 Interchange Processing
Interchange Reimbursement Fees (IRF) are transfer fees between issuers and acquirers used to
maximize the growth of the payment network for the benefit of all participants. Generally, the
acquirer reimburses the issuer for purchases transactions whereas the issuer reimburses the acquirer
for cash and ATM transactions.

Interchange reimbursement fee could be either of the following:

 A transfer fee between Acquirers and Issuers in the Clearing and Settlement of an Interchange
Transaction
 A fee that an Issuer pays to an Acquirer for making a Cash Disbursement to the Issuer's
Cardholder

Important: For sake of simplicity in this document, all interregional transactions, including
Original Credits, Account Funding, and Cash Disbursement Fees which have a fee passing
between clients will be referred to as an interchange reimbursement fee

Acquirers independently set their respective charges for their merchant customers through individual
agreements with each merchant, based on considerations they deem appropriate.
This section explains how interchange reimbursement fee assessment is determined and how fees flow
between clients.

18 October 2019 Visa Confidential 14

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing: Interregional Jurisdiction
Interregional Interchange Guide: Visa Supplemental Requirements

1.1 Interregional Jurisdiction

Table 1–1: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating
from a U.S. Region

Merchant Merchant Issuer Region

Acquirer Region Comments
(MCC) Region

Non-Airline U.S. U.S. Non-U.S.

U.S. Non-U.S. Any Region

Airline Any Region U.S. Non-U.S

Table 1–2: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating
from Canada Region

Merchant Merchant Issuer Region

Acquirer Region Comments
(MCC) Region

Non-Airline Canada Canada Non-Canada

Canada Non-Canada Non-Canada

Non-Canada Canada Canada

Airline Any Region Canada Non-Canada

Table 1–3: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating
from A.P. Region

Merchant Merchant Issuer Region

Acquirer Region Comments
(MCC) Region

Non-Airline A.P. Any Region Non-A.P. **For LAC Region US

Territories
A,P. Non-A.P. A.P.
information refer to
Airline Any Region A.P. Non-A.P. table 1-7

**AP Region US Territories: American Samoa, Guam, Marshall Islands, Northern Mariana Islands, Palau, U.S. Minor
Outlying Islands

18 October 2019 Visa Confidential 15

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing: Interregional Jurisdiction
Interregional Interchange Guide: Visa Supplemental Requirements

Table 1–4: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating
from LAC Region

Merchant Merchant Issuer Region

Acquirer Region Comments
(MCC) Region

Non-Airline LAC Any Region Non-LAC *For LAC French

Outermost Regions
LAC Non-LAC LAC
Territories refer to
Airline Any Region LAC Non-LAC table 1-6

**For LAC Region US

Territories
information refer to
table 1-7
*LAC Region French Outermost Regions Territories: Saint Martin, Guadeloupe, Martinique, French Guiana
**LAC Region US Territories: Puerto Rico, US. Virgin Islands

Table 1–5: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating
from CEMEA Region

Merchant Merchant Issuer Region

Acquirer Region Comments
(MCC) Region

Non-Airline CEMEA CEMEA Non-CEMEA *For CEMEA French

U.S., Canada, U.S., Canada, A.P., Outermost Regions
CEMEA Territories refer to
Europe A.P, LAC LAC, CEMEA
table 1-6
Airline Any Region CEMEA Non-CEMEA
*CEMEA. Region French Outermost Regions Territories: Mayotte, Réunion

18 October 2019 Visa Confidential 16

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing: Interregional Jurisdiction
Interregional Interchange Guide: Visa Supplemental Requirements

Table 1–6: Interregional Interchange Reimbursement Fee Jurisdiction for transactions

originated/destined to French Outermost Regions territories in LAC and CEMEA

Merchant Merchant Issuer Region

Acquirer Region Comments
(MCC) Region

Any Any Region French Non-European Consumer card

Outermost Economic Area purchases and credit
Regions (EEA) voucher transactions
Non-European French-
Economic Area Outermost
(EEA) Regions
Any Any Region French- Any Region Consumer card cash
Outermost disbursement
Regions transactions and
Any Region French- Commercial card
Outermost transactions
Regions
Merchant and issuer
must be in different
regions
LAC Region French Outermost Regions Territories: Saint Martin, Guadeloupe, Martinique, French Guiana
CEMEA Region French Outermost Regions Territories: Mayotte, Réunion

Table 1–7: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating
from U.S. territories in Asia Pacific and LAC

Merchant Merchant Issuer Region

Acquirer Region Comments
(MCC) Region

Any Any Region LAC US Territory AP, Canada,

CEMEA, US,
Europe
Any Region AP US Territory LAC, Canada,
CEMEA, US,
Europe
AP Region US Territories: American Samoa, Guam, Marshall Islands, Northern Mariana Islands, Palau, U.S. Minor Outlying
Islands
LAC Region US Territories: Puerto Rico, US. Virgin Islands

18 October 2019 Visa Confidential 17

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing: Interregional Jurisdiction
Interregional Interchange Guide: Visa Supplemental Requirements

Table 1–8: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating
from Multinational Acceptance Acquirer (MAA) Program Acquirers

Merchant Acquirer Region Merchant Issuer Region Comments

(MCC) Region
Any Any Region U.S., Canada., Any Region Merchant and Issuer
A.P., LAC, are in different
CEMEA regions

Note: MAA
program is not
available to Europe
region clients
(acquirers,
merchants, issuers)

Table 1–9: Interregional Interchange Reimbursement Fee Jurisdiction for transactions originating
from Europe Region non-EEA merchants and certain French territory countries

Merchant Merchant Issuer Region

Acquirer Region Comments
(MCC) Region

Non-Airline U.S., Canada, A.P.,

Europe Any Region
LAC, CEMEA
Europe Non-Europe Europe
Airline U.S., Canada, A.P.,
Any Region Europe
LAC, CEMEA

Table 1–10: Interregional Interchange Reimbursement Fee Jurisdiction for Visa consumer cards
transactions originating from EEA and certain French territory countries

Merchant Merchant Issuer Region

Acquirer Region Comments
(MCC) Region

*For EEA Merchant

EEA Merchant U.S., Canada, A.P.,
Any Region Country List refer
Country List* LAC, CEMEA
to Table 4-18

18 October 2019 Visa Confidential 18

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing: Interchange General Concepts
Interregional Interchange Guide: Visa Supplemental Requirements

Table 1–11: Interregional Interchange Reimbursement Fee Jurisdiction for Interregional Regulated
Debit Card and Interlink transactions

Merchant Acquirer Region Merchant Issuer Region Comments

(MCC) Region
Non-Airline U.S. Territory U.S. U.S. Non-airline
transaction from any
U.S. territory
acquirer
Non-Airline Non-U.S. and U.S. U.S.
non-U.S. Territory
Any U.S. U.S. U.S. Territory
U.S. U.S. Territory U.S.
U.S. or U.S. U.S. Territory U.S. Territory merchant and issuer
Territory are in different
regions
U.S. Territory U.S. U.S. Territory
U.S. Territory U.S. Territory U.S.
Non-U.S. and U.S. Territory U.S.
non-U.S. Territory
Non-U.S. and U.S. Territory U.S. Territory merchant and issuer
non-U.S. Territory are in different
regions

1.2 Interchange General Concepts

Interchange Fee Schedules

Interchange Fee Schedules define the order in which interchange reimbursement fee (IRF) programs
are assessed. The different transaction types (i.e. purchases, ATM withdrawals, etc.) are grouped
according to their business purpose, for interregional transactions Visa uses the following categories:
 POS (point-of-sale) U.S. Debit Regulated
 POS (point-of-sale)
 Cash Disbursements
 Original Credit
 Interlink

18 October 2019 Visa Confidential 19

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing: Interchange General Concepts
Interregional Interchange Guide: Visa Supplemental Requirements

Mobile Push Payment Fee Program

For the purpose of this guide, the term “program” is used to define the set of transaction
characteristics that a transaction must meet to be qualified for an interchange reimbursement fee
category. Qualification for a specific program typically correlates directly to the rate available for that
program. However, in certain circumstances, several programs can be used to qualify transactions for
a particular rate.

Fee Rate

Rates can be either a unit rate, a percentage rate or a combination of both. When the rate is a unit
rate, this guide shows the currency code [e.g., USD (840) for the rate]. When it is percentage rate, this
guide will have percentage (%) mark next to the rate.

Visa Claim Resolution (VCR)

VCR is a liability- based dispute resolution process leveraging original transaction data and Visa
Resolve Online (VROL). Please note that the interchange and/or client-to-client fee amount applied
to each VCR dispute transaction will be the same amount assessed to the original transaction when
the full transaction amount is disputed. On partially disputed amounts, the interchange or client-to-
client fee amount applied will be proportionally adjusted to the amount being disputed.

Fee Descriptor

Fee descriptors correspond to each interchange reimbursement fee program in each settlement
service and appear in the Visa Settlement Service (VSS) reports for fee reconciliation. (VSS130, VSS
130M & VSS135). The fee descriptors provide fee level volumes on daily, monthly and month-to-date
reimbursement fee reports.

Merchant Verification Value (MVV)

MVV is a unique 10-character alphanumeric identifier assigned by Visa to merchants for a variety of
processing purposes. MVV is used by Visa to determine a merchant’s eligibility for specific
interchange reimbursement fee programs. Acquirers with merchants that are eligible for participation
in such programs are assigned a unique MVV by Visa. The first six positions of the MVV are assigned
to participating merchants by Visa. The last four positions can be defined in conjunction with the
Acquirer and/or merchant.

Fee Program Indicator (FPI)

A three-character alphanumeric value that identifies the interchange reimbursement fee program
applied to each transaction. The FPI values are determined by Visa during normal processing for V.I.P.
and BASE II clearing transactions. FPI assists acquirers in reconciliation of fees, at a transaction level.

18 October 2019 Visa Confidential 20

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing: Interchange General Concepts
Interregional Interchange Guide: Visa Supplemental Requirements

Note: FPI processing is currently available in specific jurisdictions for specific interchange programs.
When applicable, the FPI value will be listed along with the fee descriptor and rate for each
interregional fee program documented in this guide.

Product

Products are defined by announced Account Funding Source (AFS) and Product ID (PID) combination
Availability of Products might be different in each jurisdiction (Region or country). Please contact your
Visa Sales Representative for a list of available Products in each market.

Account Funding Source (AFS)

AFS represents the default funding source for the card. Valid AFS values are:
 C (Credit) - Identifies any card that may be used repeatedly to borrow money or buy products and
services on credit.
 H (Charge) - Identifies a card used for making payments where the balance must be paid in full
when the statement is received.
 D (Debit) - Identifies a card which allows customers to access their funds immediately,
electronically. Unlike a credit card, a debit card does not have any float balance.
 R (Deferred Debit) - Describes a funding source where after a purchase is made, the transaction
merely places an authorization hold on the customer's account; funds are not actually withdrawn
until the transaction is reconciled and hard-posted to the customer's account, usually at the end of
the month.
 P (Prepaid) - Identifies a card issued by a financial institution that is preloaded with funds. Instead
of buying with borrowed funds (through credit), purchases are made with funds that have already
been paid.

Account Funding Source Subtype

One-character field used to differentiate whether a prepaid account range is ‘Reloadable’ or ‘Non-
Reloadable’. Available values are:
 R (Reloadable) - Identifies prepaid cards that can have funds added to them after the cards have
been issued.

 N (Non-Reloadable) - Identifies prepaid cards that cannot have funds added to them after the
cards have been issued.

Product ID (PID)

PID it is the main product attribute. It is defined at the account range or card level (for Account Level
Processing (ALP) enabled products). The Product ID uniquely identifies payment products brand,

18 October 2019 Visa Confidential 21

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing: Interchange Determination
Interregional Interchange Guide: Visa Supplemental Requirements

platform, etc. within VisaNet (i.e.: Visa brand, Consumer platform). PID is also used to drive unique
processing, billing, interchange and other processing.

1.3 Interchange Determination

Below are the main steps followed to determine which interchange program will be used to assess
interchange reimbursement fee (IRF) to a transaction.
Note: It should be noted the same process and edit rules are followed irrespective of how the
transaction enters VisaNet, i.e. via BASE II and VIP format.

1. Determine transaction jurisdiction (Domestic, Intraregional or Interregional)

2. Select interchange fee schedule

3. The card usage (funding source type) is determined - credit versus debit versus prepaid

4. The product assigned to the account range or card level (for ALP products) is identified

Once the above steps are completed, VisaNet checks the transaction elements against the edits for the
first fee program within the applicable fee schedule; if the transaction does not meet the edit criteria of
the first program, it moves to the next one until a match is found.

Assessed interchange totals, by business mode and fee descriptors, are listed in the VSS-130 and VSS-
130M Reimbursement Fee Reports. The interchange reimbursement fee flow is listed in the following
table
Table 1–12: Interchange Flow by Transaction Type

Transaction Message Class Description Fee Paid by

A product or service is bought on
Sales Draft (Purchase) Original Acquirer
a Visa account
A purchase return or price
Credit Voucher 1, 2 Non-Original adjustment is credited to a Visa Issuer
account
Cash is disbursed from an ATM
Cash Disbursement2 Original or bank teller through a Visa or Issuer
Plus card
A purchase is cancelled by the
Reversal, Sales Draft Original acquirer, usually due to a Issuer
processing error
Reversal, Credit
Non-Original A credit voucher is cancelled Acquirer
Voucher

18 October 2019 Visa Confidential 22

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing: Interchange Determination
Interregional Interchange Guide: Visa Supplemental Requirements

Transaction Message Class Description Fee Paid by

Reversal, Cash A cash disbursement submission
Original Acquirer
Disbursement is cancelled
Dispute Financial, Sales Non-Original Used when a dispute requires Issuer
Draft reallocation of funds
Dispute Financial, Non-Original Used when a dispute requires Acquirer
Credit Voucher reallocation of funds
Dispute Financial, Cash Non-Original Used when a dispute requires Acquirer
Disbursement reallocation of funds
Dispute Financial Non-Original A dispute requires reallocation of Acquirer
Reversal, Sales Draft funds, or the reversal of a
duplicate or erroneous dispute
financial transaction
Dispute Financial Non-Original A dispute requires reallocation of Issuer
Reversal, Credit funds, or the reversal of a
Voucher duplicate or erroneous dispute
financial transaction
Dispute Financial Non-Original A dispute requires reallocation Issuer
Reversal, of funds, or the reversal of a
Cash Disbursement duplicate or erroneous dispute
financial transaction
Dispute Response Non-Original Used when a dispute requires Acquirer
Financial, Sales Draft reallocation of funds
Dispute Response Non-Original Used when a dispute requires Issuer
Financial, reallocation of funds
Credit Voucher
Dispute Response Non-Original Used when a dispute requires Issuer
Financial, reallocation of funds
Cash Disbursement
Dispute Response Non-Original A dispute requires reallocation of Issuer
Financial Reversal, funds, or the reversal of a
Sales Draft duplicate or erroneous dispute
financial transaction
Dispute Response Non-Original A dispute requires reallocation of Acquirer
Financial Reversal, funds, or the reversal of a
Credit Voucher duplicate or erroneous dispute
financial transaction
Dispute Response Non-Original A dispute requires reallocation of Acquirer
Financial Reversal, funds, or the reversal of a

18 October 2019 Visa Confidential 23

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing: Interchange Determination
Interregional Interchange Guide: Visa Supplemental Requirements

Transaction Message Class Description Fee Paid by

Cash Disbursement duplicate or erroneous dispute
financial transaction
1
For Original Credit transactions, the fee is paid by the originator to the recipient bank.
2
For Mobile Push Payment (a.k.a. mVisa) Original Credit transactions, the fee is paid as follow:
o Mobile Push Payment Merchant Payment: paid by Sender (issuer) to Recipient (Acquirer)
o Mobile Push Payment Cash Out: paid by Sender (issuer) to Recipient (Acquirer)
o Mobile Push Payment Manual Cash Claim: paid by Recipient (Issuer) to Sender (Acquirer))

18 October 2019 Visa Confidential 24

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing
Interregional Interchange Guide: Visa Supplemental Requirements

1.4 Fee Program Indicator (FPI) Processing for Interregional

Transactions

1.4.1 Fee Program Indicator (FPI)

Fee program indicator is a three-character alphanumeric value that identifies the interchange
reimbursement fee program applicable to each transaction. FPI values correspond to the fee
descriptor for each fee program. FPI values are determined by Visa during interchange
reimbursement fee processing for V.I.P. and BASE II clearing transactions.

Interregional FPI values provide fee program information for purchase, ATM and credit voucher
transactions.

1.4.2 Fee Program Indicator (FPI) Processing

FPI processing provides POS acquirers with a tool to determine, in a timely manner, the qualifying
interchange reimbursement fee program assigned to original interregional transactions that are
been submitted for settlement. FPIs also assist acquirers in the reconciliation of interchange
reimbursement fees at transaction level.
The FPI value will identify which interregional interchange reimbursement fee program was applied
to each original transaction. The final assessed FPI values will always be assigned by Visa based on
program qualification criteria
 FPI values and processing rules do not apply to manual cash disbursement transactions
 FPI processing, for interregional transactions, is currently available for clients in U.S.,
Canada, A.P., LAC and CEMEA region.

1.4.2.1 Fee Program Indicator (FPI) processing in V.I.P. Messages

When applicable Visa will apply FPI processing in V.I.P. full financial purchase and merchandise return
messages. V.I.P. Full financial issuers must test with Visa to receive Field 63.19 in request messages.
V.I.P. Full Service acquirers must test with Visa to receive Field 63.19 in response messages.

For original transactions, acquirers should not submit Field 63.19 for interregional transactions.

V.I.P. Full Service issuers will receive Field 63.19 and the FPI value that corresponds to the
interregional fee program assessed by Visa. V.I.P. Full Service acquirers will also receive the FPI value
assessed by Visa in the V.I.P. response message.
 V.I.P. Full service acquirers and issuers in U.S. and Canada region receive the interregional FPI (Field
63.19) assessed by Visa in V.I.P. full financial purchase and merchandise return messages

18 October 2019 Visa Confidential 25

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing
Interregional Interchange Guide: Visa Supplemental Requirements

 V.I.P. Full service issuers in AP, CEMEA, and LAC regions receive the interregional FPI (Field 63.19)
assessed by Visa in:
- V.I.P. full financial purchase and merchandise return messages if the acquirer is from U.S. or
Canada Regions.
- V.I.P. 0220 Online deferred clearing advices.

Table 1–13: Field 63.19 Format and Data Requirements`

Field Number and Name Format Position Comment

63.19 Fee Program Indicator 3 AN 1–3 This field contains the FPI for the
EBCDIC fee program
3 bytes
AN = Alphanumeric

Assessed interregional FPI values for original transactions can be found in SMS Raw Data records and
SMS Transaction Detail Reports as per Table 1–14 and Table 1–15
Table 1–14: SMS Raw Data Records

SMS Raw Data

Field Name Record Type Position
Version
Fee Program Indicator V22210 126–128
Version 2.2 Reimbursement Fee V22261 7–17
Reimbursement Fee Debit/Credit Indicator V22261 18
Fee Program Indicator V23201 126–128
Version 2.3 Reimbursement Fee V23210 7–17
Reimbursement Fee Debit/Credit Indicator V23210 18

Table 1–15: SMS Transaction Detail Reports-Line 5 Interchange Reimbursement Fee

Data Line Field Contents

FEE JURIS The jurisdiction of the IRF associated with the transaction.
ROUTING The transaction routing which helps determine the IRF.
FEE LEVEL The name of the IRF associated with the transaction.
FPI Reimbursement fee assessed to the transaction

18 October 2019 Visa Confidential 26

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing
Interregional Interchange Guide: Visa Supplemental Requirements

1.4.2.2 Fee Program Indicator (FPI) processing in BASE II

Visa will apply FPI processing in BASE II purchase and credit voucher transactions. BASE II acquirers
and issuers, in applicable jurisdictions, will submit and receive FPI values in the BASE II Draft Data,
TCR 1 record.

For original transactions, BASE II acquirers can optionally submit an FPI value. If the submitted FPI
value is non-alphanumeric, the Edit Package will reject transactions with existing reject code V1027
(Fee Program Indicator must be three alphanumeric characters: spaces, 0–9, A–Z). If the acquirer
submits an FPI value other than the defined values, BASE II will return the transaction with existing
reason code S19 (Fee Program Indicator does not match previous transaction or the submitted Fee
Program Indicator is invalid). Acquirers that choose not to submit an FPI value must leave the field
blank to prevent reject conditions or receiving reclassification advices.

Visa will compare the FPI value that corresponds to the assessed fee program with the submitted FPI
value, when present. If the FPI values are the same, the submitted FPI value will be forwarded to the
issuer. If the FPI value is not present, Visa will populate the FPI value and deliver the transaction to
the issuer. If the acquirer submits an FPI value that does not correspond to the FPI value assessed on
the transaction, BASE II will return or reclassify the original transaction with existing reason code BA1
(The transaction did not qualify for the submitted fee program). For reclassifications, the acquirer will
receive the BASE II TC 04 that will include the submitted FPI, assessed FPI, and FPI reclassification
reason as shown in Table 1-17

BASE II issuers will receive the FPI value that will correspond to the interregional fee program assessed
by Visa.

Fee Program Indicator in BASE II transactions

The FPI value is found in the following BASE II Draft Data TCR1 record.
Table 1–16: Fee Program Indicator in BASE II Draft Data, TCR1 record

Field Name Position Length Format Description

Fee Program 76–78 3 AN This field contains the FPI for the fee program.
Indicator This field is left-justified and space-filled.
AN = Alphanumeric

REFERENCE: For details regarding BASE II transactions and record formats, please refer to BASE II
Clearing Interchange Formats, TC 01 to TC 48

18 October 2019 Visa Confidential 27

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing
Interregional Interchange Guide: Visa Supplemental Requirements

1.4.2.2.1 Fee Program Indicator Reclassification and Returns in BASE II transactions

For reclassifications, Visa will modify the FPI value in the Draft Data TCR 1 to reflect the FPI delivered
to the issuer with the modified FPI value representing the assessed fee program.

Acquirers will receive the existing BASE II TC 04—Reclassification Advice, TCR 9 record includes the
submitted FPI, assessed FPI, and FPI reclassification reason. If Acquirers choose not to submit FPIs on
original transactions, then the FPI field must be blank in order to prevent the unnecessary generation
of TC 04 advices.
Table 1–17: Draft Data TC 04, TCR 9—Reclassification Advice Record Layout

Field Name Position Length Format Description

Submitted Fee 113–115 3 AN This field contains the FPI, if submitted by
Program the acquirer in the transaction, for the
Indicator requested fee program.
If the FPI was not submitted by the acquirer,
the field will contain zeros.
This field is left-justified and space-filled.
Assessed 116–118 3 AN This field indicates the assessed FPI for the fee
Fee Program program assessed on the transaction.
Indicator If the FPI was not submitted by the acquirer,
the field will contain zeros.
This field is left-justified and space-filled.
Fee Program 119–121 3 AN This field contains the reason code
Indicator identifying the reason that the FPI was
Reclassification changed.
Reason This field will contain zeros if the FPI was not
changed.
This field is left-justified and zero-filled.
AN = Alphanumeric

18 October 2019 Visa Confidential 28

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing
Interregional Interchange Guide: Visa Supplemental Requirements

Acquirers that support reclassification advices and choose to submit interregional FPI values in
original transactions must be prepared to support the existing FPI reclassification reason codes of
BA1 and S19.
Table 1–18: BASE II Return and Reclassification Reason Codes

Return
Reclassification
Reason Error Condition EP204 Report Description
Reason Code
Code

S19 Fee Program Indicator is invalid. FPI is invalid for this

transaction
BA1 The transaction did not qualify for The transaction did not qualify
the submitted fee program. for the submitted Fee Program

Figure 1–1: BASE II FPI Return/Reclassification processing rules

18 October 2019 Visa Confidential 29

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing
Interregional Interchange Guide: Visa Supplemental Requirements

1.4.2.2.2 Fee Amount in BASE II Transactions

The Interchange Fee Amount field provides the calculated interchange reimbursement fee amount in
each transaction to assist in the reconciliation process at the transaction level.
BASE II uses existing fields in Draft Data record formats to carry the interchange reimbursement fee
amount that is applied by BASE II for each international transaction. These fields are carried in
purchase, credit voucher, and cash disbursement transactions.
 Interchange fee amount: The interchange reimbursement fee amount assessed by BASE II and
defined in the member’s settlement currency
 Interchange fee sign: The indicator that specifies if the interchange fee amount field is a debit or
credit to the receiving member

The Fee Amount is defined in the Draft Data TCR 5 record, positions 92-107.
Note: Fee amount is not supported in V.I.P. Full Financial online message formats.

The following table shows the format for the fee data fields that are included in the BASE II TCR 5
record.
Table 1–19: Fee Amount in BASE II Draft Data TCR 5—Payment Service Data

Field Name Position Length Format Description

Interchange 92–106 15 UN This field specifies the interchange or client-to-client

Fee Amount fee amount calculated by Visa for this transaction. The
field is right-justified, with six decimals implied.
Outgoing: This field must contain zeros. This field will
be populated by the VIC.
Incoming: This field contains the interchange or
client-to-client fee amount assessed on this
transaction by Visa.
Interchange 107 1 AN This field specifies if the interchange or client-to-client
Fee Sign fee amount is a credit or debit for the receiving
Institution.
Valid values are:
C = Credit
D = Debit
Outgoing: This field must contain spaces. The VIC will
insert the valid value.
UN = Unpacked Numeric
AN = Alphanumeric

18 October 2019 Visa Confidential 30

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing
Interregional Interchange Guide: Visa Supplemental Requirements

1.4.2.3 Merchant Verification Value (MVV)

As participation criteria for certain interregional Interchange Reimbursement Fee programs, Visa uses
a Merchant Verification Value (MVV). MVV is a 10-characther alphanumeric value used by Visa to
determine a merchant’s eligibility for specific interchange reimbursement fee programs. Acquirers
with merchants that are eligible for participation in such programs are assigned a unique MVV by Visa.
The first six positions of the MVV are assigned to participating merchants by Visa. The last four
positions can be defined in conjunction with the Acquirer and/or merchant.

The MVV must be submitted in eligible V.I.P full financial and BASE II transactions to qualify for
particular MVV-based interchange reimbursement fee programs. In addition, Acquirers of merchants
that are assigned an MVV are required to submit clearing transactions from registered acquiring
identifiers.
Table 1–20: Merchant Verification Value in V.I.P. Messages

Field Name Field Length Format Description

Field 62.20 will be used by Visa to
determine a merchant’s eligibility to
participate in a merchant incentive fee
program. The MVV will be assigned to
participating merchants by Visa.

Merchant 5 bytes, Valid values The first six positions of the MVV will be
Verification 62.20 are: Spaces, assigned to participating merchants by
Value 4-bit BCD A–F,0–9 Visa. The last four positions will be defined
in conjunction with the Acquirer.

Acquirers must include the MVV in V.I.P full

financial transactions to qualify for the
merchant incentive fee program.
AN = Alphanumeric
BCD = Unsigned packed

18 October 2019 Visa Confidential 31

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interchange Processing
Interregional Interchange Guide: Visa Supplemental Requirements

Table 1–21: Merchant Verification Value in Draft Data, TCR 5—Payment Service Data

Field Name Position Length Format Description

The content of positions 82–91 will be

used by Visa to determine a merchant’s
eligibility to participate in a merchant
incentive fee program.
Merchant Valid values The first six positions of the MVV will be
Verification 82–91 10 are: Spaces, assigned to participating merchants by
Value A–F,0–9 Visa. The last four positions will be defined
in conjunction with the Acquirer.
Acquirers must include the MVV in BASE II
clearing transactions to qualify for the
merchant incentive fee program
AN = Alphanumeric

BASE II transactions submitted with non-alphanumeric values in the MVV field will be rejected by the
Edit Package with reason code V1086 (MVV must be all spaces or each position in the MVV field must
be A–F or 0–9. MVV is XXXXXXXXXX), or returned by BASE II with reason code 4E (Invalid MVV).

Transactions with MVV values that are not enabled for a MVV-base Fee program will be ignored by
Visa, and the transaction will be processed as if MVV was not present.
Table 1–22: Merchant Verification Value Processing Rules
Condition Processing Rule
MVV and acquiring BIN in the domestic When the MVV validation and fee edits are met, Visa will
transaction matches the MVV and designated qualify the domestic transaction for the applicable Program
acquiring BIN registered with Visa. fee that is assigned to the MVV.
Visa will ignore the MVV in the domestic transaction and
process the transaction as if a MVV-based Program Rate
was not requested.
MVV in the domestic transaction does not NOTE:
match the MVV assigned by Visa If an acquire submits a transaction that contains a value
that is not an active MVV, it will receive a. BASE II TC 04—
Reclassification Advice with the Reason Code 4E (Invalid
MVV).
MVV in the domestic transaction matches an Visa will ignore the submitted MVV in the domestic
MVV assigned by Visa for a MVV-based Fee transaction and process the transaction as if a MVV-based
Program, but the acquiring BIN does not Fee Program was not requested.
match.

18 October 2019 Visa Confidential 32

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interregional Interchange Reimbursement Fees Summary
Interregional Interchange Guide: Visa Supplemental Requirements

2 Interregional Interchange Reimbursement Fees Summary

Table below list current rate structure applicable to interregional transactions

Table 2–1: Interregional Rates

Interchange Reimbursement Fee Program Rate
Regulated Debit and Interlink US $0.22*+ 0.05%
Business 2.00%
Corporate 2.00%
Global B2B Virtual Payments 2.00%
Purchasing 2.00%

EEA Merchant Face-to-Face Electronic Fee

0.30%
Program - Credit
EEA Merchant Face-to-Face Electronic Fee
0.20%
Program – Debit and Prepaid
EEA Card-Not-Present/Other Fee Program -
1.50%
Credit
EEA Card-Not-Present/Other Fee Program –
1.15%
Debit and Prepaid
EEA Credit Voucher/Merchandise Return Fee
0.00%
Program – Credit
EEA Credit Voucher/Merchandise Return Fee
0.00%
Program – Debit and Prepaid

Premium Card 1.80%

Super Premium 1.97%
Electronic Commerce Merchant 1.44%
Secure Electronic Commerce 1.44%
Acquirer Chip 1.00%
Issuer Chip 1.20%
Electronic 1.10%
Standard 1.60%
Visa Partner Program Varies per Agreement

18 October 2019 Visa Confidential 33

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interregional Interchange Reimbursement Fees Summary
Interregional Interchange Guide: Visa Supplemental Requirements

Interchange Reimbursement Fee Program Rate

Original Credit
(paid by Originator to Recipient) US $0.29

Interregional VMT Fast Funds

US $0.60
(paid by Originator to Recipient)
Manual Cash Disbursement US $1.75 + 0.33%
Interlink Standard 1.10%
ATM Access Fee Free Service US$0.65 + 0.52%
ATM with Access Fee-No DCC 0.15%
ATM without Access Fee-No DCC US $0.65 + 0.52%
ATM without Access Fee ATM Travel-No US $1.00
DCC
Japan ATM acquirer with access fee US$0.50 + 0.15%
ATM with Access Fee- DCC 0.00%
ATM without Access Fee- DCC 0.15%
ATM Decline, Balance Inquiry, Account US $0.30
Transfer
ATM Non-Qualified US $0.00
PIN Management: Change and Unblock US $0.60
Mobile Push Payment Cash Out – Original
Credit
US $1.75 + 0.33%
(paid by Sender (issuer) to Recipient
(Acquirer))
Mobile Push Payment Manual Cash Claim –
Original Credit
US $1.75 + 0.33%
(paid by Recipient (Issuer) to Sender
(Acquirer))
*The regulated debit fee rate includes the 0.01 USD fraud prevention interchange adjustment for certified issuers. Issuers who have not
certified their compliance with the interim fraud prevention standards will be subject to a manual adjustment process to ensure that the
fees received on regulated transactions are not greater than the Federal Reserve regulated cap of 0.05% + 0.21 USD

18 October 2019 Visa Confidential 34

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 POS U.S. Debit Regulated Fee Program– Technical Requirements: U.S. and U.S. Territory Interregional
Regulated Debit Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

3 POS U.S. Debit Regulated Fee Program– Technical

Requirements
In order to comply with the provisions of the Dodd-Frank Act, on October 1st, 2011, Visa introduced
interchange structures to support interregional regulated transactions between U.S. territories, as
well as between the U.S. and U.S. territories.
Note: U.S. Debit Regulated Fee Program do not apply to acquirers, issuers and merchants in
the U.S. territories of Marshall Islands (MH) and Palau (PW).

Regulated fee programs will apply to the following products when issued from regulated account
ranges. Regulated interchange reimbursement fee programs are not assessed on:
 ATM and Manual Cash Disbursement transactions
 Original Credit transactions

3.1 U.S. and U.S. Territory Interregional Regulated Debit Fee

Program

3.1.1 Program Processing Rules

3.1.1.1 Eligible Products

Table 3–1: List of products eligible for Interregional Interlink Regulated Fee Program

Account Funding Source

Product ID (PID) Global Product ID (PID) Name2
(AFS)1

Any applicable AFS Any applicable PID Name associated with PID
1 AFSis determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS are: C
(Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Regional Product names might differ from the Global Product ID name
Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market

18 October 2019 Visa Confidential 35

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS U.S. Debit Regulated Fee Program– Technical Requirements: U.S. and U.S. Territory Interregional
Regulated Debit Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 3–2: List of Visa products eligible for Regulated Debit Fee Program
Account
Issuer Product ID Global Product ID
Issuer Country Funding
Region (PID) (PID) Name2
Source (AFS)1
U.S.  U.S. D, P

A.P.  American Samoa

 Guam
 Northern Mariana Any
D, P Name associated
Islands applicable
with PID
 U.S. Minor Outlying PID
Islands
LAC  Puerto Rico
D, P
 U.S. Virgin Islands
1 AFS is determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS
are: C (Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Regional Product names might differ from the Global Product ID name

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

3.1.1.2 Transaction Types

 BASE II Originals: TC 05 and TC 25 with usage code 1

 V.I.P Full Financial Originals: V.I.P. full financial messages equivalents of TC 05 and TC 25 with
usage code 1
 BASE II and V.I.P Full Financial Non-Originals: TC 06 and TC 26 with TCQ 0 and a usage code
of 1 and their V.I.P. full financial equivalent messages

Interlink transactions applicable to this rate program are:

 V.I.P. Full Financial Message Sets: 0200/0210, 0400/0410, and 0420/0430.
 Processing Network (VIP Field 63.1): 0003 (Interlink)

3.1.1.3 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria that will apply to purchase and credit voucher
transactions are listed in the following table.

18 October 2019 Visa Confidential 36

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS U.S. Debit Regulated Fee Program– Technical Requirements: U.S. and U.S. Territory Interregional
Regulated Debit Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 3–3: Fee Edit Criteria for U.S. and U.S. Territory Regulated Debit Fee Program for
Purchases and Credit Voucher Transactions

Fee Edit Criteria Processing Rule

Purchase and credit voucher debit and prepaid Regulated debit and prepaid purchase and
transactions must meet the following credit voucher transactions that meet existing
conditions: interregional fee programs will qualify for the
 Interregional transaction jurisdiction as Interregional Debit and Interlink Regulated fee
shown in Table 1-7 descriptors, FPIs, and rates.
Note: Regulated Fee Program do not apply
to acquirers, issuers and merchants
in the U.S. territories of Marshall
Islands (MH) and Palau (PW).
 Regulated debit or prepaid card range
 Visa or Interlink transaction
 Must continue to meet valid clearing data
and additional data requirements defined
for any existing interregional fee program

3.1.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptors, FPIs and rates
Table 3–4: U.S. and U.S. Territory Interregional Regulated Debit Fee Program

Fee Program Fee Descriptor FPI Rate

Regulated Debit IR REGULATED DB 603 US $0.22 + 0.05%
Interregional Interlink IR REG INTLK 604 US $0.22 + 0.05%
Regulated

The fee descriptor and rate applies to transactions from regulated debit and prepaid card ranges.
The regulated debit fee rate includes the 0.01 USD fraud prevention interchange adjustment for
certified issuers. Issuers who have not certified their compliance with the interim fraud prevention
standards will be subject to a manual adjustment process to ensure that the fees received on
regulated transactions are not greater than the Federal Reserve regulated cap of 0.05% + 0.21 USD.

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS-135

18 October 2019 Visa Confidential 37

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS U.S. Debit Regulated Fee Program– Technical Requirements: U.S. and U.S. Territory Interregional
Regulated Debit Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

18 October 2019 Visa Confidential 38

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
POS Interchange Reimbursement Fee Programs - Technical Requirements: Visa Partner Program (VPP)
Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4 POS Interchange Reimbursement Fee Programs -

Technical Requirements
This section outlines all current POS interregional interchange programs, fee program indicator, fee
descriptors and rates applicable to purchase and credit voucher transactions, including Account
Funding Transactions (AFTs), submitted or received by acquirers and issuers globally.

4.1 Visa Partner Program (VPP) Fee Program

Visa Partner Program (VPP) is a customized Merchant Verification Value (MVV) based-program
available to acquirers with merchants that have established formal partnership agreements with Visa.

A valid merchant verification value (MVV) will be assigned for merchants that meet certain eligibility
requirements. VPP program requirements are unique for each participating merchant. Visa will
inform the Acquirer of each eligible merchant of the specific program requirements for each
agreement.

The assigned MVV must be submitted in all eligible clearing transactions to receive VPP merchant-
specific interchange reimbursement fees.

Currently, only qualified interregional Visa and Interlink transactions between Puerto Rico and
the U.S. are eligible for the VPP program. Interregional transactions will be eligible for VPP
interchange reimbursement fees depending on a number of factors that may include:
• Eligible card and product types
• Transaction amount limits
• Required fee edit criteria

4.1.1 Program Processing Rules

4.1.1.1 Eligible Products

Visa will inform the Acquirer of each eligible merchant of the specific program requirements for each
agreement including eligible card and product types.

18 October 2019 Visa Confidential 39

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
POS Interchange Reimbursement Fee Programs - Technical Requirements: Visa Partner Program (VPP)
Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 4–1: List of products eligible for Visa Partner Program (VPP) Fee Program

Account Funding Source

Product ID (PID) Global Product ID (PID) Name2
(AFS)1

Varies per agreement Varies per agreement Varies per agreement

1 AFSis determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS are: C
(Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Regional Product names might differ from the Global Product ID name

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

4.1.1.2 Transaction Types

 BASE II Originals: TC 05 and TC 25 with usage code 1 and TCQ value of 0

 V.I.P. Full Financial Originals: V.I.P full financial equivalent messages of TC 05 and TC 25 with
usage code 1 and TCQ value of 0
 BASE II and V.I.P. Full Financial Non-Originals: TC 06 and TC 26 with usage code of 1 and
TCQ value of 0 and their V.I.P full financial equivalent messages

4.1.1.3 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria is listed in the following table.

18 October 2019 Visa Confidential 40

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
POS Interchange Reimbursement Fee Programs - Technical Requirements: Visa Partner Program (VPP)
Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 4–2: Fee Edit Criteria for Visa Partner Program (VPP) Fee Program

Fee Edit Criteria Processing Rule

Purchase and credit voucher transactions Eligible card products for the unique VPP
must meet the following conditions: arrangement will receive the VPP fee
 Interregional transaction jurisdiction descriptor, FPI, and applicable rate.
between US and Puerto Rico
 Any applicable AFS/Product ID
combination, as per VPP program.
 Reimbursement Attribute (BASE II Draft
Data, TCR 0, position 168 or V.I.P. Field
63.11) contains any valid value
 Merchant Verification Value (BASE II Draft
Data, TCR 5, positions 82–91, or V.I.P. field
62.20) contains a valid value for a
merchant participating in VPP.
 Valid Acquirer identifier/Merchant
Verification Value relationship

4.1.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptor, FPI and rate
Table 4–3: Visa Partner Program (VPP) Fee Program

Fee Program Fee Descriptor FPI Rate

Visa Partner Program VISA PART PRGM VPP Varies by agreement

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 41

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Business Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.2 Business Fee Program

Clients that submit interregional purchase, including account funding transactions, and credit
voucher/merchandise return transactions will receive the interregional product-specific Business fee
descriptor, FPI, and rate.

4.2.1 Program Processing Rules

4.2.1.1 Eligible Products

Table 4–4: List of products eligible for Business Fee Program

Account Funding Source

Product ID (PID) Global Product ID (PID) Name2
(AFS)1
G^ Visa Business
G1 Visa Signature Business
G3 Visa Platinum Business
Any applicable AFS
G4 Visa Infinite Business
G5 Visa Business Rewards
S5 Visa Commercial Transport
1 AFSis determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS are: C
(Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Regional Product names might differ from the Global Product ID name

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

4.2.1.2 Transaction Types

 BASE II Originals: TC 05 and TC 25 with usage code 1 and TCQ value of 0 or 1

 V.I.P. Full Financial Originals: V.I.P full financial equivalent messages of TC 05 and TC 25 with
usage code 1 and TCQ value of 0 or 1
 BASE II and V.I.P. Full Financial Non-Originals: TC 06 and TC 26 with usage code of 1 and
TCQ value of 0 or 1 and their V.I.P full financial equivalent messages

18 October 2019 Visa Confidential 42

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Business Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.2.1.3 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria is listed in the following table.
Table 4–5: Fee Edit Criteria for Business Fee Program

Fee Edit Criteria Processing Rule

Purchase, account funding transactions and Interregional purchase and credit voucher
credit voucher transactions must meet the transactions for eligible products will qualify
following conditions: for the existing interregional Business card fee
 Interregional transaction jurisdiction descriptor, FPI, and rate.
 AFS/PID combination from Table 4-4
 Reimbursement Attribute (BASE II Draft
Data, TCR 0, position 168 or V.I.P. Field
63.11) any valid value

4.2.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptor, FPI and rate
Table 4–6: Interregional Business Fee Program

Fee Program Fee Descriptor FPI1 Rate

Business COMCL-BUS 905 2.00%
1FPI does not apply to Europe region clients

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 43

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Corporate Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.3 Corporate Fee Program

Clients that submit interregional purchase, including account funding transactions, and credit
voucher/merchandise return transactions will receive the interregional product-specific Corporate
fee descriptor, FPI, and rate

4.3.1 Program Processing Rules

4.3.1.1 Eligible Products

Table 4–7: List of products eligible for Corporate Fee Program

Account Funding Source

Product ID (PID) Global Product ID (PID) Name2
(AFS)1
K^ Visa Corporate T&E
Any applicable AFS
K1 Visa Government Corporate T&E
1 AFSis determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS are: C
(Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Regional Product names might differ from the Global Product ID name

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

4.3.1.2 Transaction Types

 BASE II Originals: TC 05 and TC 25 with usage code 1 and TCQ value of 0 or 1

 V.I.P. Full Financial Originals: V.I.P full financial equivalent messages of TC 05 and TC 25 with
usage code 1 and TCQ value of 0 or 1
 BASE II and V.I.P. Full Financial Non-Originals: TC 06 and TC 26 with usage code of 1 and
TCQ value of 0 or 1 and their V.I.P full financial equivalent messages

18 October 2019 Visa Confidential 44

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Corporate Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.3.1.3 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria is listed in the following table.
Table 4–8: Fee Edit Criteria for Corporate Fee Program

Fee Edit Criteria Processing Rule

Purchase, account funding transactions and Interregional purchase and credit voucher
credit voucher transactions must meet the transactions for eligible products will qualify
following conditions: for the existing interregional Corporate card
 Interregional transaction jurisdiction fee descriptor, FPI, and rate.
 AFS/PID combination from Table 4-7
 Reimbursement Attribute (BASE II Draft
Data, TCR 0, position 168 or V.I.P. Field
63.11) any valid value

4.3.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptor, FPI and rate
Table 4–9: Interregional Corporate Fee Program

Fee Program Fee Descriptor FPI1 Rate

Corporate COMCL-CORP 906 2.00%
1FPI does not apply to Europe region clients

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 45

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Global B2B Virtual
Payments Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.4 Global B2B Virtual Payments Fee Program

Visa’s Global B2B Virtual Payments Fee Program is a global interchange reimbursement fee program
available to Visa Business-to-Business (B2B) Virtual Payments cards’ transactions (interregional,
regional and domestic) made at eligible Merchant Category Codes (MCCs)

Clients that submit interregional purchase and credit voucher/merchandise return transactions will
receive the Global B2B Virtual Payments product-specific fee descriptor, FPI, and rate if program
criteria are met.

Account Funding Transactions are not currently permitted for Global B2B Virtual Payments product

4.4.1 Program Processing Rules

4.4.1.1 Eligible Products

Table 4–10: List of products eligible for Global B2B Virtual Payments Fee Program

Account Funding Source

Product ID (PID) Global Product ID (PID) Name2
(AFS)1

C X^ Visa B2B Virtual Payments

1 AFSis determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS are: C
(Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Regional Product names might differ from the Global Product ID name

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

4.4.1.2 Transaction Types

 BASE II Originals: TC 05 and TC 25 with usage code 1 and TCQ value of 0

 V.I.P. Full Financial Originals: V.I.P full financial equivalent messages of TC 05 and TC 25 with
usage code 1 and TCQ value of 0
 BASE II and V.I.P Full Financial Non-Originals: TC 06 and TC 26 with usage code of 1 and
TCQ value of 0 and their V.I.P full financial equivalent messages

18 October 2019 Visa Confidential 46

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Global B2B Virtual
Payments Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.4.1.2.1 Eligible Merchant Category Codes (MCC)

The Global B2B Virtual Payments fee program currently apply to merchants with Merchant Category
Codes (MCC) as per list below:
Table 4–11: Global B2B Virtual Payments Fee Program eligible MCCs
MCC & MCC Description MCC & MCC Description
MCC 3000–3300 —Airlines, air carriers MCC 7011— Lodging – hotels, motels, resorts,
central reservation services (not elsewhere
classified)
MCC 3351–3500— Car rental agencies MCC 7012 —Timeshares
MCC 3501–3999 —Lodging – hotels, motels, MCC 7032— Sporting and recreational camps
resorts
MCC 4112— Passenger railways MCC 7033— Trailer parks and campgrounds
MCC 4131— Bus lines MCC 7298— Health and beauty spas
MCC 4411— Steamship and cruise lines MCC 7512— Automobile rental agency
MCC 4511— Airlines and air carriers (not MCC 7513— Truck and utility trailer rentals
elsewhere classified)
MCC 4582— Airports, flying fields, and MCC 7519— Motor home and recreational
airport terminals vehicle rentals
MCC 4722— Travel agencies and tour MCC 7991— Tourist attractions and exhibits
operators
MCC 5962— Direct marketing – travel- MCC 7997— Membership clubs (sports,
related arrangement services recreation, athletic), country clubs, and private
golf courses
MCC 6513— Real estate agents and MCC 7999— Recreation services (not elsewhere
managers – rentals classified)

18 October 2019 Visa Confidential 47

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Global B2B Virtual
Payments Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.4.1.3 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria is listed in the following table.
Table 4–12: Fee Edit Criteria for Global B2B Virtual Payments Fee Program

Fee Edit Criteria Processing Rule

Purchase and credit voucher transactions must Interregional purchase and credit
meet the following conditions: voucher transactions that meet program
 Interregional transaction jurisdiction edit criteria will qualify for the Global B2B
 AFS/PID combination from Table 4-10 Virtual Payments fee descriptor, FPI, and
 Reimbursement Attribute (BASE II Draft Data, rate.
TCR 0, position 168 or V.I.P. Field 63.11) any
valid value
 Merchant category code (MCC) is in Table 4–11

4.4.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptor, FPI and rate
Table 4–13: Interregional Global B2B Virtual Payments Fee Program

Fee Program Fee Descriptor FPI1 Rate

Global B2B Virtual Payments GLB B2B VTL PYMT 961 2.00%
1FPI does not apply to Europe region clients

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 48

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Purchasing Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.5 Purchasing Fee Program

Clients that submit interregional purchase, including account funding transactions, and credit
voucher/merchandise return transactions will receive the interregional product-specific Purchasing
fee descriptor, FPI, and rate

4.5.1 Program Processing Rules

4.5.1.1 Eligible Products

Table 4–14: List of products eligible for Purchasing Fee Program

Account Funding Source

Product ID (PID) Global Product ID (PID) Name2
(AFS)1
S^ Visa Purchasing
S1 Visa Purchasing with Fleet
S2 Visa Government Purchasing
Any applicable AFS Visa Government Purchasing
S3
with Fleet
S4 Visa Commercial Agriculture
S6 Visa Commercial Marketplace
C X^ Visa B2B Virtual Payments
1 AFSis determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS are: C
(Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Regional Product names might differ from the Global Product ID name

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

4.5.1.2 Transaction Types

 BASE II Originals: TC 05 and TC 25 with usage code 1 and TCQ value of 0 or 1

 V.I.P. Full Financial Originals: V.I.P full financial equivalent messages of TC 05 and TC 25 with
usage code 1 and TCQ value of 0 or 1
 BASE II and V.I.P. Full Financial Non-Originals: TC 06 and T C26 with usage code of 1 and
TCQ value of 0 or 1 and their V.I.P. full financial equivalent messages

18 October 2019 Visa Confidential 49

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Purchasing Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.5.1.3 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria is listed in the following table.
Table 4–15: Fee Edit Criteria for Purchasing Fee Program for Purchases and Credit Voucher
Transactions

Fee Edit Criteria Processing Rule

Purchase and credit voucher transactions Interregional purchase and credit voucher
must meet the following conditions: transactions for eligible products will qualify
 Interregional transaction jurisdiction for the existing interregional Purchasing card
 Product in Table 4-14 (with the exception fee descriptor, FPI, and rate.
of Visa B2B Virtual Payments)
 Reimbursement Attribute (BASE II Draft
Data, TCR 0, position 168 or V.I.P. Field
63.11) any valid value
 For Visa B2B Virtual Payments (PID X^)
o Merchant category code (MCC) is not
listed in Table 4–11
o

4.5.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptor, FPI and rate
Table 4–16: Interregional Purchasing Fee Program

Fee Program Fee Descriptor FPI1 Rate

Purchasing COMCL-PURCH 907 2.00%
1FPI does not apply to Europe region clients

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 50

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: EEA Merchants
Interregional Fee Programs
Interregional Interchange Guide: Visa Supplemental Requirements

4.6 EEA Merchants Interregional Fee Programs

Clients that submit interregional Visa consumer purchase, including account funding transactions,
and credit voucher/merchandise return transactions originating from countries in the EEA merchant
list will receive one of the EEA Merchants Interregional Fee programs fee descriptors, FPIs and rates

 EEA Merchant Face-to-Face Fee Program

 EEA Merchant Card-Not-Present/Other Fee Program

 EEA Merchant Credit Voucher/Merchandise Return Fee Program

4.6.1 Program Processing Rules

4.6.1.1 Eligible Products

All Visa consumer products issued in the AP, Canada, CEMEA, LAC, and U.S. regions. The Visa
consumer products currently issued in these regions are listed below.
Table 4–17: List of current Visa consumer products

Issuer Region Account Funding Product ID Global Product ID (PID)

Source (AFS)1 (PID) Name2

P J3 Visa Healthcare

A^ Visa Traditional
C, D, P
U.S. B^ Visa Traditional Rewards
C^ Visa Signature
C D^ Visa Signature Preferred
I^ Visa Infinite
C, D, P L^ Visa Classic

P^ Visa Gold
Canada C, P
N^ Visa Platinum
I^ Visa Infinite
C
I1 Visa Infinite Privilege
L^ Visa Classic
C, D, P, H P^ Visa Gold
A.P. N^ Visa Platinum
C N1 Visa Rewards

18 October 2019 Visa Confidential 51

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: EEA Merchants
Interregional Fee Programs
Interregional Interchange Guide: Visa Supplemental Requirements

Issuer Region Account Funding Product ID Global Product ID (PID)

Source (AFS)1 (PID) Name2
C^ Visa Signature
C, D I^ Visa Infinite
I2 Visa UHNW
L^ Visa Classic
P^ Visa Gold
LAC C, P, D N^ Visa Platinum
C^ Visa Signature
I^ Visa Infinite
L^ Visa Classic
C, D, P, H P^ Visa Gold
N^ Visa Platinum
CEMEA N1 Visa Rewards
C^ Visa Signature
C, D
I^ Visa Infinite
I2 Visa UHNW
1 AFS is determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS
are: C (Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Regional Product names might differ from the Global Product ID name

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.
 The table is current at the time of this publication

4.6.1.2 EEA Merchant Country List

The merchant location must be an European Economic Area (EEA) countries or certain French
territory countries as per table below.
Table 4–18: List of applicable EEA Merchant Countries

EEA Countries

Country Name Country Name Country Name Country Name

Austria Finland Latvia Portugal
Belgium France Liechtenstein Romania
Bulgaria Germany Lithuania Slovakia

18 October 2019 Visa Confidential 52

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: EEA Merchants
Interregional Fee Programs
Interregional Interchange Guide: Visa Supplemental Requirements

EEA Countries

Country Name Country Name Country Name Country Name

Croatia Greece Luxembourg Spain
Cyprus Hungary Malta Sweden
Czech Republic Iceland Netherlands Slovenia
Denmark (including Ireland Norway UK (including Gibraltar)
Greenland & Faroe
Islands)
Estonia Italy Poland
French Territory Countries

Country Name Country Name

Guadeloupe French Guiana
Martinique Reunion
Saint-Martin Mayotte

4.6.1.3 Transaction Types

 BASE II Originals: TC 05 and TC 25 with usage code 1 and TCQ value of 0 or 1

 V.I.P. Full Financial Originals: V.I.P full financial equivalent messages of TC 05 and TC 25 with
usage code 1 and TCQ value of 0 or 1
 BASE II and V.I.P. Full Financial Non-Originals: TC 06 and T C26 with usage code of 1 and
TCQ value of 0 or 1 and their V.I.P. full financial equivalent messages

18 October 2019 Visa Confidential 53

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: EEA Merchants
Interregional Fee Programs
Interregional Interchange Guide: Visa Supplemental Requirements

4.6.1.4 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria is listed in the following table
Table 4–19: Fee Edit Criteria for EEA Merchant Face-to-Face Fee Program

Fee Edit Criteria Processing Rule

The V.I.P. full financial, BASE II purchase Interregional purchase transactions and AFTs
transaction, or account funding transaction that meet the fee edit criteria will qualify for
must meet the following fee edit criteria: the appropriate EEA Face-to-Face Electronic
 Meets the interregional fee jurisdiction credit, debit, and prepaid card fee program
listed in Table 1-10 fee descriptors, FPI and rate.
o Merchant location in Table 4-18
 Visa consumer product card
 POS entry mode must be 02, 05, 07, 90,
91, or 95
 Reimbursement attribute can be any valid
value

Table 4–20: Fee Edit Criteria for EEA Merchant Card-Not-Present/Other fee Program

Fee Edit Criteria Processing Rule

The V.I.P. full financial, BASE II purchase Purchase transactions, AFTs, and mobile push
transaction, or account funding transaction payment transactions that meet the fee edit
must meet the following fee edit criteria: criteria will qualify for the appropriate Card-
 Meets the interregional fee jurisdiction Not-Present/Other credit, debit, and prepaid
listed in Table 1-10 card fee program fee descriptors, FPI and rate.
o Merchant location in Table 4-18
 POS entry mode must not be 02, 05, 07,
90, 91, or 95
 Reimbursement attribute can be any valid
value

18 October 2019 Visa Confidential 54

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: EEA Merchants
Interregional Fee Programs
Interregional Interchange Guide: Visa Supplemental Requirements

Table 4–21: Fee Edit Criteria for EEA Merchant Credit Voucher/Merchandise Return Fee Program

Fee Edit Criteria Processing Rule

The V.I.P. full financial merchandise return or Transactions that meet the fee edit criteria
BASE II credit voucher transaction must meet will qualify for the appropriate Credit
the following fee edit criteria: Voucher/Merchandise Return fee program fee
 Meets the interregional fee jurisdiction descriptors, FPI and rate.
listed in Table 1-10
o Merchant location in Table 4-18
 Reimbursement attribute can be any valid
value

4.6.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptor, FPI and rate
Table 4–22: Interregional EEA Merchant Interregional Fee Programs

Program Product AFS Fee Descriptor FPI1 Rate

EEA Merchant Face-to-Face C (Credit) EEAINT CN CR 965 0.30%
Electronic Fee Program
D (Debit)
EEAINT CN DBPP 966 0.20%
P (Prepaid)
EEA Card-Not-Present/Other C (Credit) EEAINT CNPCNCR 967 1.50%
Fee Program
D (Debit) EEAINT CNPCNDBPP 968 1.15%
P (Prepaid)
EEA Credit C (Credit) EEAINT VCHMR CR 969 0.00%
Voucher/Merchandise Return
D (Debit) EEAINT VCHMRDBPP 970 0.00%
Fee Program
P (Prepaid)
1FPI does not apply to Europe region clients

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 55

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Super Premium Card Fee
Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.7 Super Premium Card Fee Program

Clients that submit interregional purchase, account funding transactions and credit voucher
transactions originating from merchants outside EEA and certain French territory countries (refer to
Table 1-10) will receive the interregional product-specific Super Premium fee descriptor, FPI, and
rate

4.7.1 Program Processing Rules

4.7.1.1 Eligible Products

Table 4–23: List of products eligible for Super Premium Fee Program

Issuer Region Account Funding Product ID Global Product ID (PID)

Source (AFS)1 (PID) Name2
D^ Visa Signature Preferred
U.S. C
I^ Visa Infinite
Canada C I1 Visa Infinite Privilege

C^ Visa Signature
Europe C, D, H, R
I^ Visa Infinite
C^ Visa Signature
A.P. C, D, H I^ Visa Infinite
I2 Visa UHNW
C^ Visa Signature
LAC C, D
I^ Visa Infinite
C^ Visa Signature
CEMEA C, D I^ Visa Infinite
I2 Visa UHNW
1 AFS is determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS
are: C (Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Regional Product names might differ from the Global Product ID name

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

18 October 2019 Visa Confidential 56

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Super Premium Card Fee
Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.7.1.2 Transaction Types

 BASE II Originals: TC 05 and TC 25 with usage code 1 and TCQ value of 0 or 1

 V.I.P. Full Financial Originals: V.I.P. full financial equivalent messages of TC 05 and TC 25 with
usage code 1 and TCQ value of 0 or 1
 BASE II and V.I.P. Full Financial Non-Originals: TC 06 and TC 26 with usage code of 1 and
TCQ value of 0 or 1 and their V.I.P. full financial equivalent messages

4.7.1.3 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria is listed in the following table.
Table 4–24: Fee Edit Criteria for Super Premium Fee Program

Fee Edit Criteria Processing Rule

 Purchase, account funding transactions and Interregional purchase and credit
credit voucher transactions must meet the voucher transactions for eligible
following conditions: products will qualify for the Super
 Interregional transaction jurisdiction Premium card fee descriptor, FPI, and
o Merchant location is not EEA or certain rate.
French territory countries (refer to Table 1-10)
 AFS/PID combination as per Table 4-23
 Reimbursement Attribute (BASE II Draft Data, TCR
0, position 168 or V.I.P. Field 63.11) any valid
value

4.7.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptor, FPI and rate
Table 4–25: Interregional Super Premium Fee Program
Fee Program Fee Descriptor FPI1 Rate
Super Premium SPR PREMIUM CARD 948 1.97%
1FPI does not apply to Europe region clients

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 57

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Premium Card Fee
Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.8 Premium Card Fee Program

Clients that submit interregional purchase, account funding transactions and credit voucher
transactions originating from merchants outside EEA and certain French territory countries (refer to
Table 1-11) will receive the interregional product-specific Premium fee descriptor, FPI, and rate

4.8.1 Program Processing Rules

4.8.1.1 Eligible Products

Table 4–26: List of products eligible for Premium Fee Program

Issuer Region Account Funding Product ID Global Product ID (PID)

Source (AFS)1 (PID) Name2

U.S. C C^ Visa Signature

C I^ Visa Infinite
Canada
P N^ Visa Platinum

C, D, P, H, R N^ Visa Platinum
Europe
C, D, P, H, R N2 Visa Select

C, D, P, H N^ Visa Platinum
A.P.
C N1 Visa Rewards

A.P. Visa Gold

C, D, P P^
(Japan issued only)

LAC C, P, D N^ Visa Platinum

Visa Platinum
C, D, P N^
CEMEA
C, D N1 Visa Rewards
1 AFS is determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS
are: C (Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Regional Product names might differ from the Global Product ID name

Note:
 Products are defined by an announced AFS and PID combination.

18 October 2019 Visa Confidential 58

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Premium Card Fee
Program
Interregional Interchange Guide: Visa Supplemental Requirements

 Availability of Products might be different in each jurisdiction (Region or country). Please

contact your Visa Sales Representative for a list of available Products by market.

4.8.1.2 Transaction Types

 BASE II Originals: TC 05 and TC 25 with usage code 1 and TCQ value of 0 or 1

 V.I.P. Full Financial Originals: V.I.P. Full Financial equivalent messages of TC 05 and TC 25 with
usage code 1
 BASE II and V.I.P. Full Financial Non-Originals: TC 06 and TC 26 with usage code of 1 and
TCQ value of 0 or 1 and their V.I.P. full financial equivalent messages

4.8.1.3 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria is listed in the following table.
Table 4–27: Fee Edit Criteria for Premium Fee Program

Fee Edit Criteria Processing Rule

Purchase, account funding transactions and Interregional purchase and credit voucher
credit voucher transactions must meet the transactions for eligible products will qualify
following conditions: for the Premium card fee descriptor, FPI, and
 Interregional transaction jurisdiction rate.
o Merchant location is not EEA or certain
French territory countries (refer to
Table 1-10)
o Issuer Region as per Table 4-26
 AFS/PID combination as per Table 4-26
 Reimbursement Attribute (BASE II Draft
Data, TCR 0, position 168 or V.I.P. Field
63.11) any valid value

4.8.2 Fee Descriptors and rates

The following table lists the applicable fee descriptor, FPI and rate
Table 4–28: Interregional Premium Fee Program

Fee Program Fee Descriptor FPI1 Rate

Premium Card PREMIUM CARD 947 1.80%
1
FPI does not apply to Europe region clients

18 October 2019 Visa Confidential 59

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Premium Card Fee
Program
Interregional Interchange Guide: Visa Supplemental Requirements

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 60

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Electronic Commerce
Merchant Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.9 Electronic Commerce Merchant Fee Program

4.9.1 Program Processing Rules

4.9.1.1 Eligible Products

All Visa products that do not qualify for an interregional product-specific card fee program. For a
list of products currently eligible to receive product-specific rates, please refer to the sections listed
below:
 4.2 Business Fee Program – Table 4-4
 4.3 Corporate Fee Program – Table 4-7
 4.4 Global B2B Virtual Payments Fee Program – Table 4-10
 4.5 Purchasing Fee Program – Table 4-14
 4.6 EEA Merchants Interregional Fee Programs – Table 4-17
 4.9 Super Premium Fee Program – Table 4-23
 4.10 Premium Fee Program – Table 4-26

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

4.9.1.2 Transaction Types

 BASE II Originals: TC 05 and TC 25 with usage code 1 and TCQ value of 0 or 1

 V.I.P. Full Financial Originals: V.I.P. full financial equivalent messages of TC 05 and TC 25
usage code 1 and TCQ value of 0 or 1

4.9.1.3 Fee Edit and Reclassification Criteria

Electronic Commerce Merchant Fee Program is available to transactions that do qualify for any of
the product-specific fee programs (commercial, premium, and super premium). The interregional
processing rules and fee edit criteria is listed in the following table.

18 October 2019 Visa Confidential 61

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Electronic Commerce
Merchant Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 4–29: Fee Edit Criteria for Electronic Commerce Merchant Fee Program for Purchases
Transactions

Data Element BASE II TC Field V.I.P. Field Value

Reimbursement TCR 0, Position 168 Field 63.11  0
Attribute  B (only allowed
for VIP originals &
BASE II Credit
Voucher)
Mail/Phone/Electronic TCR1, Position 116 Field 60.8 6
Commerce and
Payment Indicator
(MOTO/ECI)
POS Entry Mode TCR 0, Position 162-163 Field 22 01, 10
Authorization Code1 TCR 0, Position 152-157 Field 38 Must be valid 6-digit
value
1Thelast five positions of the code must not be all spaces, all zeroes, four zeroes followed by a space, or N. This edit
applies only to BASE II Purchases and reversals (TC 05/TC 25).

Note: The acquirer identifier must participate in Verified by Visa.

4.9.1.3.1 Non-Originals Transactions Processing Rules

Issuers and acquirers must retain and return key clearing data received in original transactions when
submitting non-original transactions.

The following are the non-Original transactions types that may qualify for the Electronic Commerce
Merchant Program.
 BASE II and V.I.P. Full Financial Non-Originals: TC 06 and TC26 with usage code of 1 and TCQ
value of 0 or 1 and their V.I.P. full financial equivalent messages.

18 October 2019 Visa Confidential 62

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Electronic Commerce
Merchant Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 4–30: Fee Edit Criteria for Electronic Commerce Merchant Fee Program Credit Vouchers
Transactions

Data Element BASE II TC Field V.I.P. Field Value

Reimbursement TCR 0, Position 168 Field 63.11  0
Attribute or
 B (only allowed
for VIP originals &
BASE II Credit
Voucher)
Mail/Phone/Electronic TCR1, Position 116 Field 60.8 6
Commerce and
Payment Indicator
(MOTO/ECI)

4.9.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptor, FPI and rate

Table 4–31: Electronic Commerce Merchant Fee Program

Fee Program Fee Descriptor FPI1 Rate

Electronic Commerce NONAUTHND MRCH 918 1.44%
Merchant
1FPI does not apply to Europe region clients

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 63

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Secure Electronic
Commerce Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.10 Secure Electronic Commerce Fee Program

4.10.1 Program Processing Rules

4.10.1.1 Eligible Products

All Visa products that do not qualify for an interregional product-specific card fee program. For a
list of products currently eligible to receive product-specific rates, please refer to the sections listed
below:
 4.2 Business Fee Program – Table 4-4
 4.3 Corporate Fee Program – Table 4-7
 4.4 Global B2B Virtual Payments Fee Program – Table 4-10
 4.5 Purchasing Fee Program – Table 4-14
 4.6 EEA Merchants Interregional Fee Programs – Table 4-17
 4.9 Super Premium Fee Program – Table 4-23
 4.10 Premium Fee Program – Table 4-26

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

4.10.1.2 Transaction Types

 BASE II Originals: TC 05 and TC25 with usage code 1 and TCQ value of 0 or 1
 V.I.P. Full Financial Originals: V.I.P. full service equivalent messages of TC 05 and TC 25 with
usage code 1 and TCQ value of 0 or 1

4.10.1.3 Fee Edit and Reclassification Criteria

Secure Electronic Commerce Merchant Fee Program is available to transactions that do qualify for
any of the product-specific fee programs (commercial, premium, and super premium). The
interregional processing rules and fee edit criteria is listed in the following table.

18 October 2019 Visa Confidential 64

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Secure Electronic
Commerce Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 4–32: Fee Edit Criteria for Secure Electronic Commerce Fee Program for Original Purchases
Transactions

Data Element BASE II TC Field V.I.P. Field Value

Reimbursement TCR 0, Position 168 Field 63.11  0
Attribute or
 B (only allowed for VIP
originals & BASE II
Credit Voucher)
Mail/Phone/Electronic TCR1, Position 116 Field 60.8 5
Commerce and
Payment Indicator
(MOTO/ECI)
POS Entry Mode TCR 0, Position 162-163 Field 22 01, 10
Authorization Code1 TCR 0, Position 152-157 Field 38 Must be valid 6-digit value
1Thelast five positions of the code must not be all spaces, all zeroes, four zeroes followed by a space, or N. This edit
applies only to BASE II Purchases and reversals (TC 05/TC 25).

Note: The acquirer identifier must participate in Verified by Visa.

4.10.1.3.1 Non-Originals Transactions Processing Rules

Issuers and acquirers must retain and return key clearing data received in original transactions when
submitting non-original transactions.

The following are the non-Original transactions types that may qualify for Secure Electronic
Commerce Program.
 BASE II and V.I.P. Full Financial Non-Originals: TC 06 and TC 26 with usage code of 1 and
TCQ value of 0 or 1 and their V.I.P. full financial equivalent messages.

18 October 2019 Visa Confidential 65

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Secure Electronic
Commerce Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 4–33: Fee Edit Criteria for Secure Electronic Commerce Fee Program Credit Vouchers
Transactions

Data Element BASE II TC Field V.I.P. Field Value

Reimbursement TCR 0, Position 168 Field 63.11  0
Attribute or
 B (only allowed for VIP
originals & BASE II
Credit Voucher)
Mail/Phone/Electronic TCR1, Position 116 Field 60.8 5
Commerce and
Payment Indicator
(MOTO/ECI)

4.10.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptor, FPI and rate

Table 4–34: Secure Electronic Commerce Fee Program

Fee Program Fee Descriptor FPI1 Rate

Secure Electronic AUTHENTICTD SEC 919 1.44%
Commerce
1FPI does not apply to Europe region clients

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 66

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Chip Terminal: Acquirer
Chip Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.11 Chip Terminal: Acquirer Chip Fee Program

4.11.1 Program Processing Rules

4.11.1.1 Eligible Products

All Visa products that do not qualify for an interregional product-specific card fee program. For a
list of products currently eligible to receive product-specific rates, please refer to the sections listed
below:
 4.2 Business Fee Program – Table 4-4
 4.3 Corporate Fee Program – Table 4-7
 4.4 Global B2B Virtual Payments Fee Program – Table 4-10
 4.5 Purchasing Fee Program – Table 4-14
 4.6 EEA Merchants Interregional Fee Programs – Table 4-17
 4.9 Super Premium Fee Program – Table 4-23
 4.10 Premium Fee Program – Table 4-26

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

4.11.1.2 Transaction Types

 BASE II Originals: TC 05 and TC 25 with usage code 1 and TCQ value of 0 or 1

 V.I.P. Full Financial Originals: V.I.P. full financial equivalent messages of TC 05 and TC 25 with
usage code 1 and TCQ value of 0 or 1

4.11.1.3 Fee Edit and Reclassification Criteria

The Acquirer Chip Fee Program is available to transactions that do qualify for any of the product-
specific fee programs (commercial, premium, and super premium). The interregional processing
rules and fee edit criteria is listed in the following table.
Note: Purchase and credit voucher transactions submitted by a U.S. acquirer identifier are not
eligible to qualify for the Acquirer Chip Fee Program.

18 October 2019 Visa Confidential 67

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Chip Terminal: Acquirer
Chip Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 4–35: Fee Edit Criteria Fee Edit Criteria for Acquirer Chip Fee Program Original Purchases
Transactions

Data Element BASE II TC Field V.I.P. Field Value

Reimbursement TCR 0, Position 168 Field 63.11 B
Attribute
POS Entry Mode TCR 0, Position 162- Field 22 90, 91
163
POS Terminal TCR 0, Position 158 Field 60.2 5
Capability
Authorization Code1 TCR 0, Position 152- Field 38 Must be a valid 6-digit value
157
Central Processing TCR 0, Position 164- Field 15 Must be within 3 days
Date2 167
Chip Terminal N/A N/A  2 (Acquirer has met
Deployment Flag3 interregional chip
terminal deployment
criteria)
or
 3 (Acquirer has met both
regional and
interregional chip
terminal deployment
criteria)
1The last five positions of the code must not be all spaces, all zeroes, four zeroes followed by a space, or N. If not met,
the transaction will get Standard fee descriptor and rate with reclassification code ‘17’ (The authorization code is
invalid). The downgrade applies only to BASE II purchases and reversals (TC 05/TC 25).
2Purchase date, central processing date and Sundays are excluded. If the transaction does not meet the criteria, it will
be downgraded to Standard with ‘1R’ (Transaction does not meet the timeliness criteria established for the requested
interchange reimbursement fee). The downgrade only applies to BASE II purchases and reversals (TC 05/TC 25).
3 Acquiring BIN setup at Visa systems. Acquirer must contact its Visa Representative to ensure proper activation. Note:
All Canadian VSDC certified POS Acquiring BINs are automatically setup with a value of 2

4.11.1.3.1 Non-Originals Transactions Processing Rules

Issuers and acquirers must retain and return key clearing data received in original transactions when
submitting non-original transactions.

The following are the non-Original transactions types that may qualify for Acquirer Chip Fee
Program.

18 October 2019 Visa Confidential 68

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Chip Terminal: Acquirer
Chip Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

 BASE II and V.I.P. Full Financial Non-Originals: TC 06 and TC 26 with usage code of 1 and
TCQ value of 0 or 1 and their V.I.P. full financial equivalent messages.

Table 4–36: Fee Edit Criteria for Acquirer Chip Fee Program Credit Vouchers Transactions

Data Element BASE II TC Field V.I.P. Field Value

Reimbursement TCR 0, Position 168 Field 63.11 B
Attribute
POS Terminal TCR 0, Position 158 Field 60.2 5
Capability
Chip Terminal N/A N/A  2 (Acquirer has met
Deployment Flag1 interregional chip
terminal deployment
criteria)
or
 3 (Acquirer has met both
regional and interregional
chip terminal deployment
criteria)
1 Acquiring BIN setup at Visa systems. Acquirer must contact its Visa Representative to ensure proper activation.
Note: All Canadian VSDC certified POS Acquiring BINs are automatically setup with a value of 2

4.11.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptors, FPI and rate Fee Descriptors and rate
Table 4–37: Acquirer Chip Fee Program

Fee Program Fee Descriptor FPI1 Rate

Acquirer Chip CHIP TERMNL 915 1.00%
1FPI does not apply to Europe region clients

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135
/

18 October 2019 Visa Confidential 69

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from
Visa. ©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Chip Terminal: Issuer Chip
Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.12 Chip Terminal: Issuer Chip Fee Program

4.12.1 Program Processing Rules

4.12.1.1 Eligible Products

All Visa products that do not qualify for an interregional product-specific card fee program. For a list
of products currently eligible to receive product-specific rates, please refer to the sections listed
below:
 4.2 Business Fee Program – Table 4-4
 4.3 Corporate Fee Program – Table 4-7
 4.4 Global B2B Virtual Payments Fee Program – Table 4-10
 4.5 Purchasing Fee Program – Table 4-14
 4.6 EEA Merchants Interregional Fee Programs – Table 4-17
 4.9 Super Premium Fee Program – Table 4-23
 4.10 Premium Fee Program – Table 4-26

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

4.12.1.2 Transaction Types

 BASE II Originals: TC 05 and TC 25 with usage code 1 and TCQ value of 0 or 1

 V.I.P. Full Financial Originals: V.I.P. full financial equivalent messages of TC 05 and TC 25 with
usage code 1 and TCQ value of 0 or 1

4.12.1.3 Fee Edit and Reclassification Criteria

The Issuer Chip Fee Program is available to transactions that do qualify for any of the product-specific
fee programs (commercial, premium, and super premium). The interregional processing rules and fee
edit criteria is listed in the following table.

18 October 2019 Visa Confidential 70

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Chip Terminal: Issuer Chip
Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 4–38: Fee Edit Criteria Fee Edit Criteria for Issuer Chip Fee Program Original Purchases
Transactions

Data Element BASE II TC Field V.I.P. Field Value

Reimbursement TCR 0, Position 168 Field 63.11 B
Attribute
POS Entry Mode TCR 0, Position 162- Field 22 90, 91
163
POS Terminal TCR 0, Position 158 Field 60.2 Not = 5
Capability
Authorization Code1 TCR 0, Position 152- Field 38 Must be a valid 6-digit value
157
Central Processing TCR 0, Position 164- Field 15 Must be within 3 days
Date2 167
Account Range N/A N/A CC (Chip Card)
Attribute3
1The last five positions of the code must not be all spaces, all zeroes, four zeroes followed by a space, or N. If not met,
the transaction will get Standard fee descriptor and rate with reclassification code ‘17’ (The authorization code is invalid).
The downgrade applies only to BASE II purchases and reversals (TC 05/TC 25).
2Purchase date, central processing date and Sundays are excluded. If the transaction does not meet the criteria, it will be
downgraded to Standard with ‘1R’ (Transaction does not meet the timeliness criteria established for the requested
interchange reimbursement fee). The downgrade only applies to BASE II purchases and reversals (TC 05/TC 25).
3 Account range setup at Visa systems reflected in the ARDEF table. All VSDC Account Ranges that meet the required
percentile of chip-enabled cards issued, under a specific account range, qualify to have this participation attribute setup.
Issuers must contact its Visa Representative to ensure proper activation.

4.12.1.3.1 Non-Originals Transactions Processing Rules

Issuers and acquirers must retain and return key clearing data received in original transactions when
submitting non-original transactions.

The following are the non-Original transactions types that may qualify for Issuer Chip Fee Program.
 BASE II and V.I.P. Full Financial Non-Originals: TC 06 and TC 26 with usage code of 1 and TCQ
value of 0 or 1 and their V.I.P. full financial equivalent messages.

18 October 2019 Visa Confidential 71

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Chip Terminal: Issuer Chip
Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 4–39: Fee Edit Criteria for Issuer Chip Fee Program Credit Vouchers Transactions

Data Element BASE II TC Field V.I.P. Field Value

Reimbursement TCR 0, Position 168 Filed 63.11 B
Attribute
POS Terminal TCR 0, Position 158 Field 60.2 Must not be 5
Capability
Account Range N/A N/A CC (Chip card)
Attribute

4.12.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptors, FPI and rate
Table 4–40: Issuer Chip Fee Program

Fee Program Fee Descriptor FPI Rate

Issuer Chip CHIP ISS 917 1.20%

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 72

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Electronic Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.13 Electronic Fee Program

4.13.1 Program Processing Rules

4.13.1.1 Eligible Products

All Visa products that do not qualify for an interregional product-specific card fee program. For a list
of products currently eligible to receive product-specific rates, please refer to the sections listed
below:
 4.2 Business Fee Program – Table 4-4
 4.3 Corporate Fee Program – Table 4-7
 4.4 Global B2B Virtual Payments Fee Program – Table 4-10
 4.5 Purchasing Fee Program – Table 4-14
 4.6 EEA Merchants Interregional Fee Programs – Table 4-17
 4.9 Super Premium Fee Program – Table 4-23
 4.10 Premium Fee Program – Table 4-26

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

4.13.1.2 Transaction Types

 BASE II Originals: TC 05 and TC 25 with usage code 1 and TCQ value of 0 or 1

 V.I.P. Full Financial Originals: V.I.P. full financial equivalent messages of TC 05 and TC 25 with
usage code 1 and TCQ value of 0 or 1

4.13.1.3 Fee Edit and Reclassification Criteria

The Electronic Fee Program is available to transactions that do qualify for any of the product-specific
fee programs (commercial, premium, and super premium). The interregional processing rules and fee
edit criteria is listed in the following table.

18 October 2019 Visa Confidential 73

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Electronic Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 4–41: Fee Edit Criteria for Electronic Fee Program Original Purchases Transactions

Data Element BASE II TC Field V.I.P. Field Value

Reimbursement TCR 0, Position 168 Field 63.11 B
Attribute
POS Entry Mode1 TCR 0, Position 162- Field 22 05, 07, 90 or 91
163
Central Processing TCR 0, Position 164- Field 15 Must be within 3 days
Date2 167
Authorization Code3 TCR 0, Position 152- Field 38 Must be valid 6-digit value
157
Authorization TCR 5, Position 35-36 Field 39 Y1 or Y3
Response Code4
1Ifnot met, the transaction gets ‘Standard’ fee descriptor and rate with reclassification code ‘CC’ (The POS Entry Mode
field is invalid). The downgrade applies only to BASE II purchases and reversals (TC 05/TC 25).
2Purchase date, central processing date and Sundays are excluded. If the transaction does not meet the criteria, it will be
downgraded to Standard with ‘1R’ (Transaction does not meet the timeliness criteria established for the requested
interchange reimbursement fee). The downgrade only applies to BASE II purchases and reversals (TC 05/TC 25).
3The last five positions of the code must not be all spaces, all zeroes, four zeroes followed by a space, or N. If not met,
and the response code is not Y1 or Y3, the transaction will get Standard fee descriptor and rate with reclassification code
‘17’ (The authorization code is invalid). The downgrade applies only to BASE II purchases and reversals (TC 05/TC 25).
4Validated only when Authorization Code is not valid

4.13.1.4 Non-Originals Transactions Processing Rules

Issuers and acquirers must retain and return key clearing data received in original transactions when
submitting non-original transactions.

The following are the non-Original transactions types that may qualify for Electronic Fee Program.
 BASE II and V.I.P. Full Financial Non-Originals: TC 06 and TC26 with usage code of 1 and TCQ
value of 0 or 1 and their V.I.P. full financial equivalent messages.
Table 4–42: Fee Edit Criteria for Electronic Fee Program Credit Vouchers Transactions

Data Element BASE II TC Field V.I.P. Field Value

Reimbursement TCR 0, Position 168 Field 63.11 B
Attribute

4.13.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptor, FPI and rate

18 October 2019 Visa Confidential 74

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Electronic Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 4–43: Electronic Fee Program

Fee Program Fee Descriptor FPI1 Rate

Electronic ELECTRONIC 903 1.10%
1FPI does not apply to Europe region clients

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 75

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Standard Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.14 Standard Fee Program

4.14.1 Program Processing Rules

4.14.1.1 Eligible Products

All Visa products that do not qualify for an interregional product-specific card fee program. For a list
of products currently eligible to receive product-specific rates, please refer to the sections listed
below:
 4.2 Business Fee Program – Table 4-4
 4.3 Corporate Fee Program – Table 4-7
 4.4 Global B2B Virtual Payments Fee Program – Table 4-10
 4.5 Purchasing Fee Program – Table 4-14
 4.6 EEA Merchants Interregional Fee Programs – Table 4-17
 4.9 Super Premium Fee Program – Table 4-23
 4.10 Premium Fee Program – Table 4-26

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

4.14.1.2 Transaction Types

 BASE II Originals: TC 05 and TC 25 with usage code 1 and TCQ value of 0 or 1

 V.I.P. Full Financial Originals: V.I.P. full financial equivalent messages of TC 05 and TC 25 with
usage code 1 and TCQ value of 0 or 1
 BASE II and V.I.P. Full Financial Non-Originals: TC 06 and TC 26 with usage code of 1 and TCQ
value of 0 or 1 and their V.I.P. full financial equivalent messages

4.14.1.3 Fee Edit and Reclassification Criteria

The Standard fee program is the last fee program in the interchange hierarchies. The interregional
processing rules and fee edit criteria is listed in the following table.

18 October 2019 Visa Confidential 76

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Standard Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

4.14.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptors, FPI and rate
Table 4–44: Standard Fee Program

Fee Program Fee Descriptor FPI1 Rate

Standard STANDARD 901 1.60%
1FPI does not apply to Europe region clients

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 77

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 POS Interchange Reimbursement Fee Programs - Technical Requirements: Standard Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

18 October 2019 Visa Confidential 78

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Cash Disbursements Fee Programs - Technical Requirements: ATM Cash Disbursement Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

5 Cash Disbursements Fee Programs - Technical

Requirements

5.1 ATM Cash Disbursement Fee Program

This section covers cash disbursement fees paid by an issuer to an ATM acquirer for providing cash
disbursement services to its cardholders. Program Processing Rules

5.1.1 Program Processing Rules

5.1.1.1 Eligible Products

All applicable Visa products and products with the PLUS acceptance mark
Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market

5.1.1.2 Transaction Types

 BASE II Originals: TC 07 and TC 27 with usage code 1

 V.I.P. Full Financial Originals: V.I.P. full financial equivalent messages of TC 07 and TC 27 with
usage code 1

5.1.1.3 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria for ATM Cash Disbursement Fee Program that
will apply to transactions qualifying in this program are listed in the following tables.

18 October 2019 Visa Confidential 79

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Cash Disbursements Fee Programs - Technical Requirements: ATM Cash Disbursement Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 5–1: Fee Edit Criteria for all ATM Cash Disbursement Fee Program Transactions
Data Element BASE II TC Field V.I.P. Field Value
Reimbursement Attribute TCR 0, Field 63.11 G or 1 (Network 0004)
Position 168 H or 2 (Network 0002)

Merchant Category Code TCR 0, Field 18 6011

Position 133-136

Source Amount 1 TCR 0, Field 4 Source Amount>Authorized

Position 77-88 Amount

Requested Payment Service TCR 0, Field 62.15 9 (CPS/ATM)

2
Position 145

ATM Business Qualifier 3 - - Qualified1

Central Processing Date 4 TCR 0, Field 15 Within 3 days of purchase date

Position 164-167
1 Source amount is the sum of the authorized amount and access fee. When the source amount is smaller than the
authorized amount, it will get the ATM Non-Qualified fee descriptor and rate with the reclassification reason code “HV2”
(Failed amount tolerance edit—Source Amount and Authorization Amount tolerance requirements not met). The
reclassification only applies to BASE II Cash Disbursement and its reversal (TC 07/TC 27).
2 When the transaction does not meet the edit criteria, it will be reclassified as ATM Non-Qualified fee descriptor and rate
with reclassification reason code H0. This reclassification is only applicable to BASE II Cash Disbursement and its reversal
(TC 07/TC 27).
3 Acquiring BIN setup at Visa systems. Acquiring BIN will receive the ATM Tier II fee only when the flag is set to “1.”
Acquirer must contact its Visa Representative to ensure proper activation.
4 Purchase date, central processing date and Sundays are not counted. If the transaction does not meet the clearing
timeliness, it will be reclassified to “ATM Non-Qualified” rate with the reclassification reason code “1R”. The
reclassification only applies to BASE II Cash Disbursement and its reversal (TC 07/TC 27) for consumer product.

18 October 2019 Visa Confidential 80

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Cash Disbursements Fee Programs - Technical Requirements: ATM Cash Disbursement Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

ATM Access Fee Free Service

Data Element BASE II TC Field V.I.P. Field Value

ATM Access Fee Free - - Both acquirer and issuer are
Service participation 1 full financial and participate in
the Global ATM Access Fee
Free Service.

Access Fee/Surcharge N/A Field 28 Must be all zeros

Amount

Network Identification Code N/A Field 63.1 0004 (Plus)

1
Acquiring and Issuing BIN setup at Visa systems. Acquirer/Issuer must contact its Visa
Representative to register their participation

ATM Transactions with Access Fee – NO DCC

Data Element BASE II TC Field V.I.P. Field Value

Access Fee/Surcharge TCR4, Position 51-58 Field 28 Greater than zero
Amount

ATM Transactions without Access Fee– NO DCC

Data Element BASE II TC Field V.I.P. Field Value

Access Fee/Surcharge TCR4, Position 51-58 Field 28 Must be all zeros
Amount

ATM Transactions with Access Fee – DCC

Data Element BASE II TC Field V.I.P. Field Value

Access Fee/Surcharge TCR4, Position 51-58 Field 28 Greater than zero
Amount

Dynamic Currency Indicator TCR5, Position 144 Field 126.19 Must be 1

ATM Transactions without Access Fee– DCC

Data Element BASE II TC Field V.I.P. Field Value

Access Fee/Surcharge TCR4, Position 51-58 Field 28 Must be all zeros
Amount

Dynamic Currency Indicator TCR5, Position 144 Field 126.19 Must be 1

18 October 2019 Visa Confidential 81

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Cash Disbursements Fee Programs - Technical Requirements: ATM Cash Disbursement Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

ATM Misdispense1

Data Element BASE II TC Field V.I.P. Field Value

Message Reason Code N/A Field 63.3 2002
1Only applicable for V.I.P. Full Financial ATM Acquirers (ATM Misdispense)

5.1.2 Fee Descriptors and rates

The following table lists the applicable fee descriptors, FPI and rate Fee Descriptors and rate
Table 5–2: ATM Cash Disbursement Fee Program
Fee Program Fee Descriptor FPI RATE

Non-Qualified ATM Fee Program1 ATM NON-QUAL 859 US $0.00

Misdispense Fee Program MISDISPENSE 887 US $0.00

 ATM Access Fee Free Service ATM AFF SVC 8C5 US$0.65 + 0.52%
ATM with Access Fee3-No DCC ATM AF 8C0 0.15%
ATM without Access Fee3-No DCC ATM NO AF 8C1 US $0.65 + 0.52%
ATM TRAVEL5 857 US $1.00

Japan ATM acquirer with access ATM AF JPN 8C2 US$0.50 + 0.15%
fee4

ATM with Access Fee3- DCC ATM DCC AF 8C3 0.00%

ATM without Access Fee3- DCC ATM DCC NO AF 8C4 0.15%
1 Cash Disbursement transactions that do not meet the fee criteria receive the ATM Non-Qualified fee descriptor and
rate except Visa TravelMoney ATM product card’s transactions. Non-originals that do not include the FPI value
received in original will also get assessed this fee descriptor and rate.
2 Only applicable for V.I.P. Full Financial ATM Acquirers (ATM Misdispense)
3 The percentage portion of the fee will apply to the transaction amount less the access fee.
4 Only applicable for transactions with access fee originating from a Japan ATM Acquire
5 Applicable to Visa TravelMoney and Travel Card product card’s ATM withdrawals without access fee. Travel Cards are
Visa Prepaid and eligible Visa Debit cards identified with the Travel-Card Capable indicator in the Edit Package
ARDEF Table

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 82

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Cash Disbursements Fee Programs - Technical Requirements: ATM Non-Financial Fees
Interregional Interchange Guide: Visa Supplemental Requirements

5.2 ATM Non-Financial Fees

This section covers fees paid by an issuer to an ATM acquirer for ATM Declines and for services such
as Balance Inquiry, Account Transfer, and PIN Management offered to their cardholders.

5.2.1 Program Processing Rules

5.2.1.1 Eligible Products

All applicable Visa products and products with the PLUS acceptance mark
Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market

5.2.1.2 Transaction Types

 V.I.P. Originals: 0100/0110; 0200/0210

5.2.1.3 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria that will apply to ATM Non-Financial
transactions are listed in the following tables.
Table 5–3: Fee Edit Criteria for all ATM Balance Inquiry Transactions
Data Element BASE II TC Field V.I.P. Field Value

Merchant Category N/A Field 18 6011

Code

Processing Code N/A Field 3, Position 1-2 30 (Balance Inquiry)

18 October 2019 Visa Confidential 83

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Cash Disbursements Fee Programs - Technical Requirements: ATM Non-Financial Fees
Interregional Interchange Guide: Visa Supplemental Requirements

Table 5–4: Fee Edit Criteria for all ATM Decline Transactions
Data Element BASE II TC Field V.I.P. Field Value

Merchant Category N/A Field 18 6011

Code

Processing Code N/A Field 3, Position 1-2 01 (Cash Disbursement)

Authorization N/A Field 39 Decline1

Response Code
1
Refer to the Visa Global ATM Member Guide for a list of Decline response codes that are not assessed the ATM Decline
Fee

Table 5–5: Fee Edit Criteria for all ATM Account Transfer Transactions

Data Element BASE II TC Field V.I.P. Field Value

Merchant Category N/A Field18 6011

Code

Processing Code N/A Field 3, Position 1-2 40 (Cardholder Account Transfer)

Table 5–6: Fee Edit Criteria for ATM Mini Statements

Data Element BASE II TC Field V.I.P. Field Value

Merchant Category N/A Field 18 6011
Code
Processing Code N/A Field 3, Position 1-2 34 (Mini statement).

Authorization Response N/A Field 39 00 (approved) or Decline response

Code code1
1
Refer to the Visa Global ATM Member Guide for a list of Decline response codes that are not assessed the ATM Mini
Statements Fee

18 October 2019 Visa Confidential 84

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Cash Disbursements Fee Programs - Technical Requirements: ATM Non-Financial Fees
Interregional Interchange Guide: Visa Supplemental Requirements

Table 5–7: Fee Edit Criteria for PIN Management Service Transactions

Data Element BASE II TC Field V.I.P. Field Value

Merchant Category N/A Field 18 6011

Code

Processing Code N/A Field 3, Position 1-2  70 (Pin Change/Unblock)

 73 (Pin /Unblock)

Authorization N/A Field 39 00 (approved) or Decline response

Response Code code1
1
Refer to the Visa Global ATM Member Guide for a list of Decline response codes that are not assessed the PIN
Management Services Fee

5.2.2 Fee Descriptors and rates

The following table lists the applicable fee descriptors, FPI and rate Fee Descriptors and rate

Table 5–8: ATM Disbursement Fee Program

Fee Program Fee Descriptor FPI Rate

ATM Balance Inquiry ATM BALANCE INQ 866 US $0.30

ATM Decline ATM DECLINE 866 US $0.30

ATM Account Transfer ATM TRANSFER 866 US $0.30

ATM Mini Statements ATM MIN STMT 8B4 US$0.30

PIN Management PIN CHANGE INGNL 959 US $0.60

Service
PIN UNBLCK INGNL 960 US $0.60

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 85

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Cash Disbursements Fee Programs - Technical Requirements: Manual Cash Disbursement Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

5.3 Manual Cash Disbursement Fee Program

5.3.1 Program Processing Rules

5.3.1.1 Eligible Products

All applicable Visa products

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market

5.3.1.2 Transaction Types

 BASE II Originals: TC 07 and TC 27 with usage code 1

 V.I.P. Full Financial Originals: V.I.P. full financial equivalent messages of TC 07 and TC 27 with
usage code 1

5.3.1.3 Fee Edit and Reclassification Criteria

To qualify interregional transactions for Manual Cash Disbursement Fee Program, consumer credit,
commercial credit, and debit/prepaid card transactions must meet the fee edit criteria listed in the
following sections.
Table 5–9: Fee Edit Criteria for all Manual Cash Disbursement Transactions

Data Element BASE II TC Field V.I.P. Field Value

Reimbursement TCR 0, Position 168 Field 63.11 Must be valid

Attribute
Merchant Category TCR 0, Position 133- Field 18 6010
Code (MCC) 136

18 October 2019 Visa Confidential 86

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Cash Disbursements Fee Programs - Technical Requirements: Manual Cash Disbursement Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

5.3.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptors, FPI and rate
Table 5–10: Manual Cash Disbursement Fee Program

Fee Program Fee Descriptor FPI Rate

Manual Cash Advance STANDARD N/A US $1.75 + 0.33%

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 87

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Cash Disbursements Fee Programs - Technical Requirements: Manual Cash Disbursement Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

18 October 2019 Visa Confidential 88

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Original Credit Transactions (OCTs) Fee Programs - Technical Requirements: Enhanced Original Credit
Transactions (OCTs) Fee Program (Fast funds) Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

6 Original Credit Transactions (OCTs) Fee Programs -

Technical Requirements

6.1 Enhanced Original Credit Transactions (OCTs) Fee Program (Fast

funds) Fee Program

6.1.1 Program Processing Rules

6.1.1.1 Eligible Products

All applicable Visa products

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

6.1.1.2 Transaction Types

Originator:
 V.I.P. Full Financial Message Sets: 0200/0210, 0400/0410, and 0420/0430.
Recipient:
 BASE II and V.I.P. Full Financial Original Credit Transaction: TC 06 and TC 26 with a TCQ of 2
and usage code 1 and their V.I.P. full financial equivalent messages.

6.1.1.3 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria for Enhanced OCTs (Fast Funds) Fee Program
that will apply to transactions qualifying in this program are listed in the following tables.

18 October 2019 Visa Confidential 89

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Original Credit Transactions (OCTs) Fee Programs - Technical Requirements: Enhanced Original Credit
Transactions (OCTs) Fee Program (Fast funds) Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 6–1: Fee Edit Criteria for all OCTs (Fast funds) Fee Program Transactions

Data Element BASE II TC Field2 V.I.P. Field Value

Processing Code N/A Field 3 26 (Original Credit)

Business Application N/A Field 104, Usage 2, Enhanced Original Credit
Identifier (BAI) Dataset ID 57, Tag 01 Valid BAI Values
Sender Data N/A Field 104, Usage 2, Present
Dataset ID 5F
Additional Sender Data N/A Field 104, Usage 2, Present
Dataset ID 71
Issuer Fast Funds N/A N/A Y
Attribute1
1Account range setup at Visa systems. Attribute indicates if recipient issuer supports fast funds or not. Issuers must
contact its Visa Representative to ensure proper activation.
2AllOCT Fast-Funds transactions must be originated as Full Financial (02XX). This table depicts originator/acquirer
required fields values.

6.1.2 Fee Descriptors and rates

The following table lists the applicable fee descriptors, FPI and rate Fee Descriptors and rate
Table 6–2: Enhanced OCTs (Fast funds) Fee Program

Fee Program Fee Descriptor FPI1 Rate

Interregional VMT INTRGNL FST FND 951 US $0.60
Fast Funds
1FPI does not apply to Europe region clients

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 90

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
Original Credit Transactions (OCTs) Fee Programs - Technical Requirements: Original Credit Transactions
(OCTs) - Non-Fast Funds Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

6.2 Original Credit Transactions (OCTs) - Non-Fast Funds Fee

Program

6.2.1 Program Processing Rules

6.2.1.1 Eligible Products

All applicable Visa products

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

6.2.1.2 Transaction Types

Originator /Recipient:
 BASE II and V.I.P. Full Financial Original Credit Transactions: TC 06 and TC 26 with TCQ of 2
and a usage code of 1 and their V.I.P. full financial equivalent messages.

6.2.1.3 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria that will apply to Original Credit Transactions
(OCT) Fee Program (non-fast funds) transactions qualifying in this program are listed in the following
tables.
Table 6–3 Fee Edit Criteria OCTs (non-fast funds) Fee Program Transactions

Data Element BASE II TC Field V.I.P. Field Value

Processing Code N/A Field 3 26 (Original Credit)
Transaction Code TCR 0, Position 3 N/A 2 (Cardholder transfer
Qualifier transactions)

18 October 2019 Visa Confidential 91

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
Original Credit Transactions (OCTs) Fee Programs - Technical Requirements: Original Credit Transactions
(OCTs) - Non-Fast Funds Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

6.2.2 Fee Descriptors and rates

The following table lists the applicable fee descriptors, FPI and rate Fee Descriptors and rate
Table 6–4: OCTs Fee Program (non-fast funds)

Fee Program Fee Descriptor FPI1 Rate

Original Credit ORIGINAL CREDIT 926 US $0.29
1FPI does not apply to Europe region clients

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 92

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not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interlink Interchange Reimbursement Fee Programs - Technical Requirements: Interlink Standard Fee
Program
Interregional Interchange Guide: Visa Supplemental Requirements

7 Interlink Interchange Reimbursement Fee Programs -

Technical Requirements

7.1 Interlink Standard Fee Program

7.1.1 Program Processing Rules

7.1.1.1 Eligible Products

Table 7–1: List of products eligible for Interlink Standard Fee Program

Account Funding Source

Product ID (PID) Global Product ID (PID) Name2
(AFS)1

Any applicable AFS Any applicable PID Name associated with PID
1 AFSis determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS are: C
(Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Regional Product names might differ from the Global Product ID name

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

7.1.1.2 Transaction Types

 V.I.P. Full Financial Message Sets: 0200/0210, 0400/0410, and 0420/0430.

 Processing Network (VIP Field 63.1): 0003 (Interlink)

7.1.1.3 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria that will apply to purchase and merchandise
return transactions are listed in the following table.

18 October 2019 Visa Confidential 93

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Interlink Interchange Reimbursement Fee Programs - Technical Requirements: Interlink Standard Fee
Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 7–2: Fee Edit Criteria for Interlink Standard Fee Program for Purchases and Merchandise
Return Transactions

Fee Edit Criteria Processing Rule

Purchase and credit voucher debit transactions Interregional interlink purchase and
must meet the following conditions: merchandise return transactions will qualify for
 Interlink transaction the Interlink Standard fee descriptor, FPI, and
rate.
 Interregional transaction jurisdiction

7.1.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptor, FPI and rate
Table 7–3: Interlink Standard Fee Program

Fee Program Fee Descriptor FPI Rate

Interregional Standard INTERLINK STD 923 1.10%

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 94

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Mobile Push Payment Fee Programs - Technical Requirements: Interlink Standard Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

8 Mobile Push Payment Fee Programs - Technical

Requirements
This section outlines all current interregional fee programs, fee program indicator, fee descriptors and
rates applicable to Mobile Push Payment (previously known as mVisa) Merchant Payment and cash
deposits/withdrawals (cash-claim and cash-out).

Mobile Push Payment is a mobile-based service, available in certain markets in AP and CEMEA regions,
that connects mobile-accessible accounts to each other. It enables cardholders to access their money
or complete a transaction at any Visa merchant using a mobile device, overcoming the lack of access
to physical bank branches and point-of-sale devices.
Mobile Push Payment service is currently available only in selected countries in E.U., A.P. and
CEMEA regions. Please contact your Visa Sales Representative for a list of markets where Mobile
Push Payment is available.

NOTE
While mobile push payment transactions have been formally announced in selected countries in EU,
AP and CEMEA regions, acquirers with merchants in all regions must be able to support
interregional fee processing for these transactions as the service is expanded to additional markets.

18 October 2019 Visa Confidential 95

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Mobile Push Payment Fee Programs - Technical Requirements: Mobile Push Payment Merchant
Payment Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

8.1 Mobile Push Payment Merchant Payment Fee Program

Mobile Push Payment merchant payment transactions are customer-initiated payment enhanced
OCT defined by the business application identifier ‘MP’ in the original credit transaction message.
Fee is paid by Sender (issuer) to Recipient (Acquirer).

8.1.1 Program Processing Rules

8.1.1.1 Eligible Products

Table 8–1: List of eligible Business products

Account Funding Source (AFS)1 Product ID (PID) 2 Global Product ID (PID) Name3
G^ Visa Business
G1 Visa Signature Business
G3 Visa Platinum Business
Any applicable AFS
G4 Visa Infinite Business
G5 Visa Business Rewards
S5 Visa Commercial Transport
1 AFS is determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS are: C
(Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Valid Mobile Push Payment product subtypes must be associated with the PID.
3 Regional Product names might differ from the Global Product ID name.

Table 8–2: List of eligible Corporate products

Account Funding Source (AFS)1 Product ID (PID) 2 Global Product ID (PID) Name3
K^ Visa Corporate T&E
Any applicable AFS
K1 Visa Government Corporate T&E
1 AFS is determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS are: C
(Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Valid Mobile Push Payment product subtypes must be associated with the PID.
3 Regional Product names might differ from the Global Product ID name

18 October 2019 Visa Confidential 96

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Mobile Push Payment Fee Programs - Technical Requirements: Mobile Push Payment Merchant
Payment Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 8–3: List of eligible Purchasing products

Account Funding Source (AFS)1 Product ID (PID) 2 Global Product ID (PID) Name3
S^ Visa Purchasing
S1 Visa Purchasing with Fleet
S2 Visa Government Purchasing
Any applicable AFS S3 Visa Government Purchasing
with Fleet
S4 Visa Commercial Agriculture
S6 Visa Commercial Marketplace
1 AFS is determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS are: C
(Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2Valid Mobile Push Payment product subtypes must be associated with the PID.
3 Regional Product names might differ from the Global Product ID name

Table 8–4: List of eligible Super Premium consumer products

Issuer Region Account Funding Product ID

Global Product ID (PID) Name3
Source (AFS)1 (PID) 2
D^ Visa Signature Preferred
U.S. C
I^ Visa Infinite
Canada C I1 Visa Infinite Privilege

C^ Visa Signature
Europe C, D, H, R
I^ Visa Infinite
C^ Visa Signature
A.P. C, D, H I^ Visa Infinite
I2 Visa UHNW
C^ Visa Signature
LAC C, D
I^ Visa Infinite
C^ Visa Signature
CEMEA C, D I^ Visa Infinite
I2 Visa UHNW
1 AFS is determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS are: C
(Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Valid Mobile Push Payment product subtypes must be associated with the PID.
3Regional Product names might differ from the Global Product ID name

18 October 2019 Visa Confidential 97

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Mobile Push Payment Fee Programs - Technical Requirements: Mobile Push Payment Merchant
Payment Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 8–5: List of eligible Premium consumer products

Issuer Region Account Funding Product ID

Global Product ID (PID) Name3
Source (AFS)1 (PID) 2

U.S. C C^ Visa Signature

C I^ Visa Infinite
Canada
P N^ Visa Platinum

C, D, P, H, R N^ Visa Platinum
Europe
C, D, P, H, R N2 Visa Select

C, D, P, H N^ Visa Platinum
A.P.
C N1 Visa Rewards

A.P. Visa Gold

C, D, P P^
(Japan issued only)

LAC C, P, D N^ Visa Platinum

Visa Platinum
C, D, P N^
CEMEA
C, D N1 Visa Rewards
1 AFS is determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS are: C
(Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Valid Mobile Push Payment product subtypes must be associated with the PID
3 Regional Product names might differ from the Global Product ID name

18 October 2019 Visa Confidential 98

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Mobile Push Payment Fee Programs - Technical Requirements: Mobile Push Payment Merchant
Payment Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 8–6: List of all other eligible consumer products

Issuer Region Account Funding Product ID

Global Product ID (PID) Name3
Source (AFS)1 (PID) 2
A^ Visa Traditional
B^ Visa Traditional Rewards
Any applicable
F^ Visa Classic
AFS
Any applicable Region P^ Visa Gold
L^ Visa Electron
U^ Visa Prepaid TravelMoney
P
J3 Visa Prepaid Healthcare
1 AFS is determined based on the Product availability in the applicable jurisdiction (Region or country). Valid AFS are: C
(Credit), D (Debit), P (Prepaid), H (Charge), R (Deferred Debit)
2 Valid Mobile Push Payment product subtypes must be associated with the PID
3 Regional Product names might differ from the Global Product ID name

Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

8.1.1.2 EEA Card-Not-Present/Other Fee Program

Interregional Mobile Push Payment merchant payment transactions originating from EEA countries
and certain French territory countries (refer to Table 1-10) and completed with a Visa consumer card
product (refer to Table 4-17) will be assessed the EEA Card-Not-Present/Other Fee Program.

18 October 2019 Visa Confidential 99

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Mobile Push Payment Fee Programs - Technical Requirements: Mobile Push Payment Merchant
Payment Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

8.1.1.3 Transaction Types

 V.I.P. Full Financial Message Sets: 0200/0210

8.1.1.4 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria are listed in the following table.
Table 8–7: Fee Edit Criteria for Mobile Push Payment Merchant Payment Fee Program

Fee Edit Criteria Processing Rule

Mobile Push Payment merchant payment Interregional Mobile Push Payment transactions
transactions must meet the following for eligible products will qualify for the existing
conditions: interregional
 Business Card fee descriptor, FPI, and rate for
 Issuer supports Mobile Push Payment
products listed in table 8-1
service
 Corporate Card fee descriptor, FPI, and rate for
 Acquirer supports Mobile Push Payment products listed in table 8-2
service  Purchasing Card fee descriptor, FPI, and rate for
 Interregional transaction jurisdiction products listed in table 8-3
 EEA Merchants Interregional Fee programs:
Note: Mobile Push Payment service is currently EEA Merchant Card-Not-Present/Other Fee
supported only in selected countries in A.P. Program fee descriptors, FPIs and rates as per
and CEMEA regions. table 4-20 and table 4-22
 Super Premium Card fee descriptor, FPI, and
rate for products listed in table 8-4
 Premium Card fee descriptor, FPI, and rate for
products listed in table 8-5
 Electronic Card fee descriptor, FPI, and rate for
products listed in table 8-6

Fee is paid by Sender (issuer) to Recipient

(Acquirer).

Data Element BASE II TC Field V.I.P. Field Value

Processing Code N/A Field 3 26 (Original Credit)

Business Application N/A Field 104, Usage 2, MP
Identifier (BAI) Dataset ID 57, Tag 01

18 October 2019 Visa Confidential 100

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Mobile Push Payment Fee Programs - Technical Requirements: Mobile Push Payment Merchant
Payment Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

8.1.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptors, FPIs and rates
Table 8–8: Mobile Push Payment Merchant Payment Fee Program

Fee Program Fee Descriptor FPI1 Rate

Business Card COMCL-BUS 905 2.00%
Corporate Card COMCL-CORP 906 2.00%
Purchasing Card COMCL-PURCH 907 2.00%
Card-Not-Present/Other— EEAINT CNPCNCR 967 1.50%
Credit
Card-Not-Present/Other— EEAINT CNPCNDBPP 968 1.15%
Debit and Prepaid
Super Premium Card SPR PREMIUM CARD 948 1.97%
Premium Card PREMIUM CARD 947 1.80%
Standard STANDARD 901 1.60%
1FPI does not apply to Europe region clients

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 101

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Mobile Push Payment Fee Programs - Technical Requirements: Mobile Push Payment Cash-Out Fee
Program
Interregional Interchange Guide: Visa Supplemental Requirements

8.2 Mobile Push Payment Cash-Out Fee Program

Mobile Push Payment Cash-out transactions are consumer initiated enhanced OCTs defined by the
business application identifier ‘CO’ in the original credit transaction message. Fee is paid by Sender
(issuer) to Recipient (Acquirer).

8.2.1 Program Processing Rules

8.2.1.1 Eligible Products

All applicable Visa products. Valid Mobile Push Payment product subtypes must be associated with
the PID
Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

8.2.1.2 Transaction Types

 V.I.P. Message Sets: 0200/0210

8.2.1.3 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria are listed in the following table.

18 October 2019 Visa Confidential 102

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Mobile Push Payment Fee Programs - Technical Requirements: Mobile Push Payment Cash-Out Fee
Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 8–9: Fee Edit Criteria for Mobile Push Payment Cash-Out Fee Program

Fee Edit Criteria Processing Rule

Mobile Push Payment Cash-out transactions
must meet the following conditions: Interregional transactions for eligible products
 Issuer supports Mobile Push Payment will qualify for the existing Mobile Push Payment
service Cash-Out transactions fee descriptor, FPI, and
 Acquirer supports Mobile Push Payment rate.
service Fee is paid by Sender (issuer) to Recipient
 Interregional transaction jurisdiction (Acquirer).
 Originated as Mobile Push Payment
enhanced-OCT transaction (V.I.P. Full
Financial message)

Note: Mobile Push Payment service is currently

supported only in selected countries in A.P.
and CEMEA regions.
Data Element BASE II TC Field2 V.I.P. Field Value

Processing Code N/A Field 3 26 (Original Credit)

Business Application N/A Field 104, Usage 2, CO
Identifier (BAI) Dataset ID 57, Tag 01

8.2.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptors, FPIs and rates
Table 8–10: Mobile Push Payment Cash-Out Fee Program

Fee Program Fee Descriptor FPI1 Rate

mVisa Cash-Out CO MVISA 957 US $1.75 + 0.33%
1FPI does not apply to Europe region clients

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 103

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Mobile Push Payment Fee Programs - Technical Requirements: Mobile Push Payment Manual Cash-
Claim Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

8.3 Mobile Push Payment Manual Cash-Claim Fee Program

Mobile Push Payment Manual Cash-Claim transactions are agent-initiated, with one-time PAN,
manual cash transactions defined by the business application identifier ‘CC’ in the transaction
message. Fee is paid by Recipient (Issuer) to Sender (Acquirer).

8.3.1 Program Processing Rules

All applicable Visa products. Valid Mobile Push Payment product subtypes must be associated with
the PID
Note:
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

8.3.1.1 Transaction Types

 V.I.P. Full Financial Message Sets: 0200/0210, 0400/410

8.3.1.2 Fee Edit and Reclassification Criteria

The interregional processing rules and fee edit criteria are listed in the following table.

18 October 2019 Visa Confidential 104

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Mobile Push Payment Fee Programs - Technical Requirements: Mobile Push Payment Manual Cash-
Claim Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

Table 8–11: Fee Edit Criteria for Mobile Push Payment Cash-Claim Fee Program

Fee Edit Criteria Processing Rule

mVisa Cash-Claim transactions must meet the

Interregional transactions for eligible products
following conditions:
will qualify for the existing Mobile Push Payment
 Issuer supports Mobile Push Payment Cash-Claim transactions fee descriptor, FPI, and
service rate.
 Acquirer supports Mobile Push Payment
service Fee is paid by Recipient (Issuer) to Sender
(Acquirer).
 Interregional transaction jurisdiction

Note: Mobile Push Payment service is currently

supported only in selected countries in A.P.
and CEMEA regions.

Data Element BASE II TC Field2 V.I.P. Field Value

Reimbursement TCR 0, Position 168 F63.11 0

Attribute
Merchant Category TCR 0, Position 133- F18 6010
Code 136
Business Application TCR 3, Position 19-20 Field 104, Usage 2, CC
Identifier (BAI) Dataset ID 57, Tag 01

8.3.2 Fee Descriptors and Rates

The following table lists the applicable fee descriptors, FPIs and rates
Table 8–12: Mobile Push Payment Cash-Claim Fee Program

Fee Program Fee Descriptor FPI Rate

mVisa Cash-Claim CC MVISA N/A US $1.75 + 0.33%

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 105

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Mobile Push Payment Fee Programs - Technical Requirements: Mobile Push Payment Manual Cash-
Claim Fee Program
Interregional Interchange Guide: Visa Supplemental Requirements

18 October 2019 Visa Confidential 106

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Visa Claim Resolution (VCR)
Interregional Interchange Guide: Visa Supplemental Requirements

9 Visa Claim Resolution (VCR)

The interchange or client-to-client fee amount applied to each VCR dispute, pre-Arbitration and
dispute response transaction will be the same amount assessed to the original transaction when the
full amount transaction amount is disputed. For partially disputed amounts, the interchange or client-
to-client amount applied will be proportionally adjusted to the amount being disputed.

Issuers and acquirers must retain and return key clearing data, including FPI, BAI and MVV, if
applicable, received in original transactions when submitting dispute transactions.

VCR transactions are:

 V.I.P. Full Financial Message Sets: 0220/0230, 0422/0432
 BASE II Transactions: TC 05, TC 06, TC 07, TC 15, TC 16, TC 17, TC 25, TC 26, TC 27, TC 35, TC 36,
TC 37 with a usage code of 9

9.1 Fee Descriptors

The following table lists of VCR fee descriptors

Table 9–1: VCR Fee Descriptors for Dispute Financials

Description Fee Descriptor

Dispute Financial DISP FIN
Dispute Financial Reversal DISP FIN RVRSL
Dispute Response Financial DISP RESP FIN
Dispute Response Financial Reversal DISP RESP RVRSL

Fee descriptors appear in the following settlement reports:

 VSS–130 and VSS–130–M
 VSS–135

18 October 2019 Visa Confidential 107

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 Visa Claim Resolution (VCR)
Interregional Interchange Guide: Visa Supplemental Requirements

18 October 2019 Visa Confidential 108

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 List of all Interregional Fee Programs, Fee Descriptors and Fee Programs Indicators (FPIs)
Interregional Interchange Guide: Visa Supplemental Requirements

10 List of all Interregional Fee Programs, Fee Descriptors and

Fee Programs Indicators (FPIs)
List of all Interregional Fee Programs, Fee Descriptors, FPIs and Rates as of April 2019 Business
Enhancements Release
Note: For POS transactions, FPI does not apply to Europe region clients.

Table 10–1: Interregional FPIs, Fee Programs, Fee Descriptors and Rates Table

Fee Program Fee Descriptor FPI Rate

Regulated Debit IR REGULATED DB 603 US $0.22 + 0.05%

Interregional Interlink Regulated IR REG INTLK 604 US $0.22 + 0.05%

Visa Partner Program VISA PART PRGM VPP Varies by agreement

Business COMCL-BUS 905 2.00%

Corporate COMCL-CORP 906 2.00%

Global B2B Virtual Payments GLB B2B VTL PYMT 961 2.00%

Purchasing COMCL-PURCH 907 2.00%

Face-to-Face Electronic—Credit EEAINT CN CR 965 0.30%

Face-to-Face Electronic—Debit EEAINT CN DBPP 966 0.20%

and Prepaid

Card-Not-Present/Other—Credit EEAINT CNPCNCR 967 1.50%

Card-Not-Present/Other—Debit EEAINT CNPCNDBPP 968 1.15%

and Prepaid

18 October 2019 Visa Confidential 109

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 List of all Interregional Fee Programs, Fee Descriptors and Fee Programs Indicators (FPIs)
Interregional Interchange Guide: Visa Supplemental Requirements

Fee Program Fee Descriptor FPI Rate

Credit Voucher/Merchandise EEAINT VCHMR CR 969 0.00%

Return—Credit

Credit Voucher/Merchandise EEAINT VCHMRDBPP 970 0.00%

Return—Debit and Prepaid

Super Premium SPR PREMIUM CARD 948 1.97%

Premium Card PREMIUM CARD 947 1.80%

Electronic Commerce Merchant NONAUTHND MRCH 918 1.44%

Secure Electronic Commerce AUTHENTICTD SEC 919 1.44%

Acquirer Chip CHIP TERMNL1 915 1.00%

Issuer Chip CHIP ISS 917 1.20%

Electronic ELECTRONIC 903 1.10%

Standard STANDARD 901 1.60%

Interregional Standard INTERLINK STD 923 1.10%

Interregional VMT Fast Funds INTRGNL FST FND 951 US $0.60

Original Credit ORIGINAL CREDIT 926 US $0.29

Non-Qualified ATM Fee Program ATM NON-QUAL2 859 US $0.00

Misdispense Fee Program MISDISPENSE 887 US $0.00

ATM Access Fee Free Service ATM AFF SVC 8C5 US$0.65 + 0.52%

ATM with Access Fee3-No DCC ATM AF 8C0 0.15%

18 October 2019 Visa Confidential 110

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 List of all Interregional Fee Programs, Fee Descriptors and Fee Programs Indicators (FPIs)
Interregional Interchange Guide: Visa Supplemental Requirements

Fee Program Fee Descriptor FPI Rate

ATM without Access Fee3-No DCC ATM NO AF 8C1 US $0.65 + 0.52%

ATM TRAVEL5 857 US $1.00

Japan ATM acquirer with access ATM AF JPN 8C2 US$0.50 + 0.15%
fee4

ATM with Access Fee3- DCC ATM DCC AF 8C3 0.00%

ATM without Access Fee3- DCC ATM DCC NO AF 8C4 0.15%

ATM Balance Inquiry ATM BALANCE INQ 866 US $0.30

ATM Decline ATM DECLINE 866 US $0.30

ATM Account Transfer ATM TRANSFER 866 US $0.30

Manual Cash Advance STANDARD N/A US $1.75 + 0.33%

PIN Management Service PIN CHANGE INGNL 959 US $0.60

PIN UNBLCK INGNL 960 US $0.60

mVisa Cash-Out CO MVISA 957 US $1.75 + 0.33%

mVisa Cash-Claim CC MVISA N/A US $1.75 + 0.33%

1
Purchase and credit voucher transactions submitted by a U.S. acquirer identifier are not eligible to qualify for the Acquirer
Chip Fee Program.
2
Cash Disbursement transactions that do not meet the fee criteria receive the ATM Non-Qualified fee descriptor and rate
except Visa TravelMoney product card’s ATM transactions. The reclassification only applies to BASE II Cash Disbursement (TC
07) and its reversal (TC 27)
3 The percentage portion of the fee will apply to the transaction amount less the access fee.
4 Only applicable for transactions with access fee originating from a Japan ATM Acquire
5 Applicable to Visa TravelMoney and Travel Card product card’s ATM withdrawals without access fee. Travel Cards are Visa
Prepaid and eligible Visa Debit cards identified with the Travel-Card Capable indicator in the Edit Package ARDEF Table

18 October 2019 Visa Confidential 111

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 List of all Interregional Fee Programs, Fee Descriptors and Fee Programs Indicators (FPIs)
Interregional Interchange Guide: Visa Supplemental Requirements

18 October 2019 Visa Confidential 112

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 List of valid Product IDs (PIDs)
Interregional Interchange Guide: Visa Supplemental Requirements

11 List of valid Product IDs (PIDs)

List of valid PIDs of Octoberl 2019 Business Enhancements Release
Note:
 Not all PIDs are available to Issuers in all regions
 Products are defined by an announced AFS and PID combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.
Table 11–1: Valid PIDs
PID Value PID Global Description/Name
A^ Visa Traditional
B^ Visa Traditional Rewards
C^ Visa Signature
D^ Visa Signature Preferred
F^ Visa Classic
G^ Visa Business
G1 Visa Signature Business
G3 Visa Enhanced Business
G4 Visa Infinite Business
G5 Visa Business Rewards
I^ Visa Infinite
I^ Visa Infinite
I1 Visa Infinite Privilege
I2 Visa UHNW
J3 Visa Healthcare
K^ Visa Corporate T&E
K1 Visa Government Corporate T&E
N Visa Platinum
N1 Visa Rewards
N2 Visa Select
P^ Visa Gold
S^ Visa Purchasing Card (Not Fleet Capable)
S1 Visa Purchasing Card (Fleet Capable)
S2 Visa Government Purchasing (Not Fleet Capable)
S3 Visa Government Purchasing (Fleet Capable)
S4 Visa Commercial Agriculture

18 October 2019 Visa Confidential 113

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.
 List of valid Product IDs (PIDs)
Interregional Interchange Guide: Visa Supplemental Requirements

PID Value PID Global Description/Name

S5 Visa Commercial Transport
S6 Visa Marketplace
U^ Visa TravelMoney
V^ VPay
X^ Visa B2B Virtual Payments
E^ Proprietary ATM
R^ Proprietary
Q^ Private Label
Q2 Private Label Basic
Q3 Private Label Standard
Q4 Private Label Enhanced
Q5 Private Label Specialized
Q6 Private Label Premium

Notes:
 Products are defined by an announced AFS/PID or AFS/PID/Subtype combination.
 Availability of Products might be different in each jurisdiction (Region or country). Please
contact your Visa Sales Representative for a list of available Products by market.

Important:
 Effective 26 January 2019 no new Visa Electron Bank Identification Numbers (BINs) will be issued
 Effective 13 April 2024, all existing Electron BINs and cards must be migrated to Classic or higher

18 October 2019 Visa Confidential 114

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa participants for use exclusively in managing their Visa programs. It must
not be duplicated, published, distributed or disclosed, in whole or in part, to merchants, cardholders or any other person without prior written permission from Visa.
©2019 Visa. All Rights Reserved.