• Visa Merchant Business News Digest

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Highlighted stories

Visa Token Service Will Enable Web Browser Auto-Fill with Tokens

Regions: US, Canada

19 Apr 2022

Visa Token Service (VTS) is enabling web browsers with the ability to enhance their browser auto-fill solutions with Visa payment tokens, per the 27 January 2022 VBN announcement. Web browsers will have the capability to replace primary account numbers (PAN) with e-commerce enabler tokens, which will provide browsers the ability to auto-fill cardholders’ tokenized credentials, including the token, token expiration date and three-digit dynamic token verification values (DTVV), at merchant card entry forms. Each individual web browser will determine the user experience and how it educates its users about the solution. While Visa is enabling this capability for browsers in April 2022, no browser has announced its intent to provide a tokenized auto-fill solution. Visa will provide at least 30 days notice before a browser implements this capability.

Currently, browsers offer the capability to auto-fill PAN credentials on behalf of the cardholder, with the aim to reduce key-entered credentials at guest checkout. Visa Token Service (VTS) will enable the ability to replace the browser auto-filled PAN credentials with Visa payment tokens for better security and reduced friction in the guest checkout experience. By enabling Visa payment tokens to be used in a browser’s auto-fill solution, merchants, issuers and cardholders can further realize the benefits that network tokens bring to the ecosystem—namely higher authorization rates, lower fraud rates and better cardholder experiences. Merchants that would prefer not to receive tokens via browser auto-fill can contact their acquirer to opt out.

These tokenized auto-fill credentials will work within existing merchant card entry forms that already support the use of browser auto-fill solutions today, meaning no effort will be required from merchants to process these tokens for payment. Merchants can contact their acquirer or Visa representative to learn more.

New Visa Sensory Branding Requirements

Regions: US, AP, Canada, CEMEA, LAC, Europe

31 Mar 2022

Visa is introducing new requirements for the use of sensory branding in certain Visa events.

Read article about new Visa sensory branding

Visa Platform Connect: Merchant Processing Impacts of April 2022 VisaNet Business Enhancements Release Activation

Regions: US, AP, Canada, CEMEA, LAC, Europe

31 Mar 2022

In compliance with the April 2022 VisaNet Business Enhancements release, Cybersource will roll out mandated changes in Visa Platform Connect. Visa has published a document outlining the mandated processing impacts for merchants.

Read article about Visa platform connect

Global Distribution Systems and International Airline Program Acquirers Must Stop Initiating Airline Transactions with Russia Merchant Locations

Regions: US, AP, Canada, CEMEA, LAC, Europe

24 Mar 2022

Visa’s suspension of Russian operations also includes International Airline Program transactions and authorization requests initiated by a Global Distribution System with a Russia merchant location. By Friday, 8 April 2022 at 12:01 a.m. Moscow time, at the latest, acquirers must not submit IAP transactions with Russia as the merchant location, and GDSs must not seek authorizations with Russia as the merchant location.

Transaction And Authorization Limits and Fraud Liability Will Be Updated for Automated Fuel Dispenser Transactions

Regions: US

24 Mar 2022

Visa is updating the transaction amount limit for automated fuel dispenser (AFD) transactions in the Custom Payment Service program, and revising the authorization limits and lost / stolen fraud liability rules for EMV®-enabled AFDs. These modifications are being made to reflect changes in the fuel market and improved security at EMV®-enabled AFDs.

AFD AVS Zip Code Mandate Removed For U.S. Fuel Merchants in High-Fraud Geographies

Regions: US

10 Mar 2022

Visa is updating the rules to remove the mandate that U.S. fuel merchants in areas identified as high-fraud geographies include Address Verification Service (AVS) ZIP code information in all automated fuel dispenser (AFD) authorization messages. This change is effective 23 April 2022.

Read article about AFD AVS zip code

Managing Disputes Involving Russian Clients: Programs, Best Practices and FAQs to Help Clients

Regions: US, AP, Canada, CEMEA, LAC, Europe

9 Mar 2022

Visa is providing additional information on programs, best practices and frequently asked questions about managing and responding to disputes as a result of the suspension of operations in Russia.

Visa Suspends All Russia Operations

Regions: US, AP, Canada, CEMEA, LAC, Europe

7 Mar 2022

Visa is providing updates specific to impacts on the payments landscape and Visa’s clients stemming from its suspension of its Russia operations.

Please be advised that Visa is suspending operations in Russia. On Thursday, March 10, 2022, at 12:01 a.m. Moscow time (March 9, 2022, 1pm PST), Visa will block all issuing and acquiring associated with all Russian members. While the suspension is effective on March 10, 2022, there will be a wind-down period to allow for processes such as collection of fees and resolution of chargebacks and disputes. The wind-down period may be limited in some cases to comply with applicable laws, including any applicable sanctions.

Visa Suspends All Russia Operations

Regions: US, AP, Canada, CEMEA, LAC, Europe

5 Mar 2022

On March 5, 2022, Visa announced it is suspending its Russia operations. Effective immediately, Visa will work with its clients and partners within Russia to cease all Visa transactions over the coming days. Once complete:

  • All transactions initiated with Visa cards issued in Russia will no longer work outside the country.
  • Any Visa cards issued by financial institutions outside of Russia will no longer work within the Russian Federation.

Additional information will be provided in the coming days.

Visa Reducing U.S. Consumer Credit Interchange Rates for Small Businesses

Regions: US

3 Mar 2022

Since the start of the pandemic, digital payments have enabled small businesses to continue serving their customers, both in their local communities and around the world. Visa has taken a series of actions to support small businesses, committing to digitally enabling 50 million small businesses globally, launching programs and directing resources to provide the essential digital capabilities needed for recovery.

We are now taking an additional step to help U.S. small businesses compete and grow by lowering key in-store and online consumer credit interchange rates for more than 90% of American businesses by 10%. These changes will take effect April 2022.

Recent news

Frequently Asked Questions Related to the Impact of Recent Sanctions

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

28 Feb 2022

Visa is providing updates specific to impacts on the payments landscape and Visa’s clients stemming from recent sanctions relating to Russia and Ukraine. As the situation evolves, Visa will continue to provide updates and additions to these Frequently Asked Questions (FAQ).

Sanctioned Entities Suspended From Visa

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

28 Feb 2022

In response to the U.S. Department of Treasury's Office of Foreign Assets Control (OFAC) sanctions, Visa is suspending business with Specially Designated Nationals (SDNs), effective immediately.

Dispute Resolution Guidelines and Frequently Asked Questions Related to Sanctions and Global Incidents

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

27 Feb 2022

This article is designed to help clients handling disputes due to the current events in Russia and Ukraine.

Reminder: 3-D Secure 1.0.2 Quasi-Sunset Processing Requirements

Regions: US, AP, Canada, CEMEA, LAC, Europe

24 Feb 2022

Visa is reminding acquirers and their merchants how to process transactions following the 3-D Secure 1.0.2 quasi-sunset.

Read article about reminder: 3-D secure

Support Will End After October 2023 for Interim Transaction Identifier Issued in EEA and UK for PSD2 Regulatory Requirements Relative to MITs

Regions: US, AP, Canada, CEMEA, LAC, Europe

3 Feb 2022

Visa has extended the waivers provided to European Economic Area (EEA) and UK acquirers for the use of an Interim Transaction Identifier. These waivers will now expire effective 31 October 2022. Non-compliance assessments will begin to accrue as of August 2022, and will be applicable for any use of the Interim Transaction Identifier as of 1 November 2022. Effective 31 October 2023, Visa will stop accepting the Interim Transaction Identifier in transaction messages.

Visa Direct: New Visa Rule for Issuers Processing AFT Credit Adjustments

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

27 Jan 2022

Visa is introducing a new account funding transaction (AFT) rule for processing and posting AFT Credit Adjustment advices. The new rule will improve the cardholder experience and reduce merchant complaints that funds are not credited to cardholders in a timely manner.

Final Reminder: Visa Secure Root Certificate Update

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

13 Jan 2022

As Visa has announced previously, the current Visa Secure eCommerce certificate chain will expire effective June 2022. All Visa Secure endpoints must trust the new eCommerce G2 root certificate chain and update / replace end-entity certificates according to the timelines below.

New Original Credit Transaction Data Requirements Will Be Introduced

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

13 Jan 2022

To support the growth of cross-border Visa Direct original credit transactions (OCTs) and to reinforce the security of the payment ecosystem, Visa will introduce several new data fields and requirements for OCTs.

Requirement to Migrate to the Visa Global L3 Test Set Files and Associated Impacts and Benefits

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

6 Jan 2022

Visa will require migration to its EMV®-compliant Level 3 (L3) Test Set Files for any new L3 testing in all regions, and is communicating associated impacts and benefits.

Introduction of the Visa Network Merchant-Initiated Transaction Service

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

6 Jan 2022

Effective 22 April 2022 for acquirers and 15 July 2022 for issuers, Visa will launch the Network Merchant-Initiated Transaction (MIT) Service to help merchants and acquirers manage the Original Transaction Identifier requirements for processing MITs.

Read article about introduction of the Visa network MIT service

Visa Acquirer Monitoring Program Will Be Updated in April 2022

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

16 Dec 2021

Effective 1 April 2022, Visa will update the Visa Acquirer Monitoring Program in an effort to mitigate enumeration attacks.

Visa Secure Rules Will Be Updated

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

2 Dec 2021

Effective 23 April 2022, the Visa Rules and the Visa Secure Program Guide will be updated to include new authentication requirements for Visa Secure.

Read article about Visa secure rules

Visa Fleet BINs Updated

REGIONS: US

18 Nov 2021

Visa has updated the list of issuing Bank Identification Numbers (BINs) designated as Visa Fleet BINs for the U.S. market. Fleet merchants and acquirers need to update their list of BINs to better identify Visa Fleet products.

Numerics Initiative: Consulting Services Available to Help Clients Prepare for Eight-Digit BIN Adoption

REGIONS: US, Canada

18 Nov 2021

Visa has a number of fee-based consulting services related to the adoption of the eight-digit Bank Identification Number (BIN) industry standard available to assist clients and their partners as they prepare to support the new industry standard.

Reminder: Visa Secure Root Certificate Update

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

11 Nov 2021

As previously announced, the current Visa Secure eCommerce certificate chain will expire effective June 2022. All Visa Secure endpoints must trust the new eCommerce G2 root certificate chain (in addition to the current eCommerce [G1] root certificate chain), and were able to begin that part of the process on 1 July 2021.

Modification to Visa Brand Mark

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

11 Nov 2021

Visa is moving from multiple marks to signal acceptance and Visa payment capability to one mark.

Updates to the AFT Processing Guide, OCT Implementation Guide and Push to Account Program Guide

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

28 Oct 2021

Visa has updated the Account Funding Transaction (AFT): Processing Guide, the Visa Direct Original Credit Transaction (OCT)—Global Implementation Guide and the Visa Direct Payouts Push to Account Program Guide. Clients and their partners that originate or receive AFTs and/or OCTs should review the updated guides for information on how to best support these transactions.

Visa Direct: New Cross-Border OCT Requirement for Issuers

REGIONS: US, Canada

28 Oct 2021

To ensure that issuers’ currency-posting practices are visible to originating entities, Visa has enhanced processing requirements for cross-border Original Credit Transactions (OCTs). Visa will also implement a change to VisaNet to support these requirements.

Acquirer Requirements for Non-Fiat / Cryptocurrency Transactions Will Be Updated

REGIONS: US

21 Oct 2021

Effective 23 April 2022, Visa will make changes to the Visa Rules to decouple the merchant category code and cryptocurrency indicator requirements. The updates aim to clarify the usage of a cryptocurrency indicator and better identify cryptocurrency-related transactions, ensure consistency among clients and partners, and support various use cases and clients’ efforts in the digital asset space.

Revised Effective Date for Removing Merchant and Terminal Identification Numbers From Transaction Receipts

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

14 Oct 2021

Visa has modified the effective date for prohibiting the printing of merchant, terminal and card acceptor identification numbers on transaction receipts. Visa will also allow for full values on merchant receipts and truncated values on cardholder receipts.

Rules for Payment Facilitators Will Be Updated

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

14 Oct 2021

Effective 16 October 2021, Visa will update the Visa Rules related to payment facilitators to support their growth and expansion.

Restrictions on Standing Instruction MITs Related to Card-on-File Tokens

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

30 Sep 2021

In an effort to optimize the merchant-initiated transaction (MIT) framework, Visa will restrict token-originated standing instruction MITs to card-on-file tokens only.

Read article about restrictions on standing instruction MITs

Rule Updates to Support Visa ReadyLink Expansion

REGION: US

30 Sep 2021

In the U.S. Region, Visa ReadyLink is expanding in October 2021 to support select Debit and Prepaid products. Changes have been made to the Visa Rules as well as the Visa ReadyLink Service Description and Implementation Guidelines, including load partner receipt requirements and reporting requirements.

Read article about rule updates to support Visa readylink

Visa Smart Debit / Credit Certificate Authority Annual Key Assessment

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

23 Sep 2021

The Visa Smart Debit / Credit Certificate Authority (CA) has extended the expiration date of the 1984-bit CA key. The expiration date of the 1408-bit CA key has not changed.

Read article about Visa smart debit/credit

Visa Guidance to Guard Against Enumeration Attacks and Account Testing Schemes

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

13 Sep 2021

Visa is reminding clients to maintain adequate controls to swiftly detect and block enumeration attacks and account testing schemes.

Read article about Visa guidance to guard against enumeration attacks

Visa Guidance to Guard Against Enumeration Attacks and Account Testing Schemes

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

12 Aug 2021

Visa is reminding clients to maintain adequate controls to swiftly detect and block enumeration attacks and account testing schemes.

Read article about Visa guidance to guard against enumeration attacks

Visa Secure Root Certificate Update—Timeline Amended

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

29 July 2021

The current Visa Secure eCommerce certificate chain is expiring in 2022. As previously announced, all Visa Secure endpoints must update their certificate chains, and were able to begin that part of the process starting 1 July 2021. Visa has now revised the starting date to 1 August 2021 (from 1 February 2022) for MPI and 3DSS endpoints to begin requesting and installing / using new (end-entity) certificates signed by the new eCommerce G2 Issuing Certificate Authority.

Read article about Visa secure root certificate update

Reminder and FAQs About Using MCC 5552 for Electric Vehicle Charging

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

22 July 2021

Acquirers and their merchants are reminded to use Merchant Category Code (MCC) 5552 if they are offering electric vehicle charging services to customers.

Read article about reminder and FAQs about using MCC 5552

Reminder: U.S. Fleet Program Enhancements, New Support Requirements, and Visa Rules Update

REGIONS: US

15 July 2021

Visa is reminding stakeholders of the upcoming October 2021 and April 2022 dates for implementation of mandatory changes related to Visa’s Fleet 2.0 initiative. In addition, the Visa Rules pertaining to Visa’s Fleet 2.0 initiative have now been updated and will become effective 16 October 2021.

Read article about reminder: U.S. fleet program enhancements

Consumer Bill Payment Service Expansion

REGIONS: US, Canada, CEMEA, LAC, Europe

15 July 2021

The Consumer Bill Payment Service is expanding to additional countries and additional merchant category codes.

Bank Identification Number (BIN) Table Usage by Merchants

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

29 June 2021

Visa is re-emphasizing the importance of using authorized and current BIN tables for both acquirers and merchants. Acquirers should ensure that their merchants are using only authorized and current BIN tables. BIN tables purchased on the internet are not accurate and lead to processing errors. Acquirers providing BIN tables to merchants must ensure their accuracy.

Visa Global L3 Testing Now Available in All Regions; Updates to Transition Timeline and Associated Impacts

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

24 June 2021

Visa’s EMV®-compliant Level 3 (L3) Test Set file is now available in all regions. In addition, Visa is announcing a revised estimated end date for the transition to Visa’s global L3 testing, as well as the associated impacts.

DCC Compliance Program Annual Merchant Registration—July 2021

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

17 June 2021

Acquirers registered in the Dynamic Currency Conversion (DCC) Compliance Program must register their DCC-enabled merchants by 13 August 2021 for the period ending 31 July 2021.

Visa Secure Root Certificate Update

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

17 June 2021

All Visa Secure Merchant Plug-in (MPI), 3DS Server (3DSS), access control server (ACS) and 3DS Software Development Kit (SDK) endpoints must install the new eCommerce G2 certificate chain by 31 October 2021. 3DS SDK endpoints must also install the new 3DS SDK Encryption Key signed by the new eCommerce G2 Issuing CA by 31 October 2021. MPI, 3DSS and ACS endpoints will be required to request and install the new (end-entity) certificates signed by the new eCommerce G2 Issuing Certificate Authority (CA) by 30 April 2022.

Read article about Visa Secure root certificate

Processing Integrity Program: Delayed Implementation Date for Merchandise Return Transactions

REGIONS: US

10 June 2021

Visa will delay changes to include credit voucher and merchandise return authorization transactions and clearing messages in the U.S. Processing Integrity Program.

New Content and Partners on the U.S. Small Business Hub

REGIONS: US

3 June 2021

Visa has made numerous enhancements to the U.S. Small Business Hub at visa.com in order to further support small businesses as they continue on the path to recovery.

Read article about new content and partners

Visa ReadyLink Will Expand to Include Select Debit and Prepaid Products

REGIONS: US

27 May 2021

Visa will implement changes to expand the Visa ReadyLink service in the U.S. to include select debit and prepaid products. Existing Visa ReadyLink fee programs and rates are not changing and will continue to apply to all Visa ReadyLink transactions.

Read article about Visa ReadyLink will expand to include

Reminder and Date Extension for Visa Direct API Encryption Mandate

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

20 May 2021

Visa is reminding clients of the mandate to support Message Level Encryption on Visa Direct APIs, and has extended the mandatory implementation date to 30 September 2021.

Read article about reminder and date extension for Visa Direct API

Avoid Authorization Declines by Following the Requirements for Token Cryptograms

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

20 May 2021

Token cryptograms must be new and unique for each authorization request, and must not be stored beyond the authorization request. Effective 30 January 2022, a resubmitted or stale token authentication verification value or dynamic token verification value will result in a declined authorization request.

Read article about avoid authorization decline

Updates to the PCI Software Security Framework Published

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

6 May 2021

Updates to the Payment Card Industry (PCI) Software Security Framework will support the validation of payment software intended for use on hardware terminals, as well as expand the eligibility scope to include all vendors of software that may be present in payment environments and vendors of any software that stores, processes or transmits payment data.

Read article about updates to the PCI software security

AFT Processing Guide and OCT Global Implementation Guide Updated

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

29 April 2021

Visa has updated the Account Funding Transaction (AFT) Processing Guide and the Visa Direct Original Credit Transaction (OCT)—Global Implementation Guide. Clients and their partners that originate or receive AFTs and/or Visa Direct OCTs should review the updated guides for information on how to best support these transactions.

New Original Credit Transaction Data Fields Will Be Introduced

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

29 April 2021

To support the growth of cross-border Visa Direct original credit transactions (OCTs) and to reinforce the security of the payments ecosystem, Visa will introduce a number of new OCT data fields and requirements.

Read article about new original credit transaction data fields

Visa EMV® Payment Token U.S. Consumer Credit Interchange Update

REGIONS: US

15 April 2021

As previously announced, Visa will introduce incentive rates for certain card not present (CNP) consumer credit transactions processed using a Visa EMV Payment Token. Incentivizing greater use of tokens will improve e-commerce authorization rates and bolster security at a time when fraudsters are increasingly targeting digital and e-commerce channels. Visa strongly believes tokenization is the best way to improve the safety and security of CNP transactions and protect consumers and businesses. Visa will continuously evaluate token interchange rate performance and qualification criteria.

This incentive rate for CNP consumer credit transactions processed using a Visa EMV Payment Token will be effective April 2022 in conjunction with previously announced adjustments to certain CNP rates. The Visa EMV Payment Token rate is 9-10 bps lower than the non-tokenized rates on qualifying transactions. Merchants should consult with their acquirer to understand specific impacts of these changes.

Managing a dynamic payment network requires constant evaluation of our rate structure and making adjustments in the normal course of business. We will continue to be thoughtful that any future adjustments accurately reflect the state of the economy, the value of payment transactions and ensure economics are balanced and competitive for all parties.

Visa Enabling Visa Transaction Advisor to Help Small Business Owners Prevent Fraud at Fuel Pumps

REGIONS: US

5 April 2021

Visa is supporting eligible small business owners in the fuel industry by enabling Visa Transaction Advisor (VTA) for no additional charge to help combat fraud at gas pumps.

VTA offers real-time risk assessment when consumers pay for fuel at the pump, helping deter fraudulent payment attempts as fuel merchants work toward implementing EMV® technology, proven to reduce fraud.

As fuel merchants upgraded their pumps to support EMV payments last year, counterfeit fraud rates declined simultaneously. From January 1 through September 30, 2020, counterfeit fraud rates declined by 22% and counterfeit fraud dollars declined by 32%. At the end of February 2021, approximately 51% of transactions on U.S. fuel pumps were EMV (VisaNet).

Visa Transaction Advisor will be automatically enabled for one year starting on April 17, 2021 to business owners who have yet to upgrade their pumps to process EMV. Visa Transaction Advisor operates invisibly to the cardholder to ensure a positive customer experience and leverages existing payment processes so no new investment in infrastructure is needed. If a transaction is deemed risky, the tool will help small business owners by prompting the consumer to pay inside the store. This deters fraudsters who often choose to drive away instead of going inside.

Visa’s intent to migrate to EMV chip transactions for secure payments was first announced in 2011 and the liability shift date for fuel pumps was extended for more than five years in total to support solution readiness. Visa continues to work closely with merchants, acquirers, and technology providers to support EMV chip acceptance at fuel merchants.

Updates to PCI PIN Security Requirements and PIN Security Program News

REGIONS: US, AP, Canada, CEMEA, LAC, Europe

1 April 2021

The Payment Card Industry Security Standards Council (PCI SSC) has published version 3.1 of the PCI PIN Security Requirements. The revised standard is effective immediately and organizations may validate to v3.0 or v3.1 through 30 September 2021. Beginning 1 October 2021, all new assessments must be performed against PCI PIN v3.1. In addition to alerting clients of the updated PIN security requirements, this article is also reminding stakeholders about other important PIN security news.

Read article about PCI PIN security updates

Marketplace Reporting Reminders

REGIONS: US, AP, Canada, CEMEA, LAC

1 April 2021

Acquirers are reminded that the marketplace fee on foreign retailer volume became effective on 1 January 2021, and quarterly reports for transactions in the period from 1 January – 31 March 2021 must be submitted to Visa by 15 April 2021.

Merchant Best Practices and Webinars are available on Visa.com

Online Merchant Dispute Guide

Visa published an easy-to-use guide to help smaller merchants navigate the world of transaction disputes. For more information, please see Dispute Management Guidelines for Visa Merchants on Visa.com.

What to Do If Compromised

The updated resource defines required procedures in response to an account data compromise.

Counterfeit Fraud Mitigation Tools for Automated Fuel Dispenser Transactions: Fuel Merchants Who Are Not EMV Chip Enabled

As merchants in United States enable their payment card acceptance infrastructure for EMV chip technology starting October 1, 2015, counterfeit fraud will increasingly migrate to acceptance segments that have not implemented EMV chip technology, such as automated fuel dispensers (AFDs). This will lead to counterfeit fraud chargeback liability for fuel merchants if AFD EMV chip acceptance enablement is not completed by October 1, 2020.

Learn more about Counterfeit Fraud Mitigation Tools

Visa Partial Authorization Service: Improve the Customer Experience and Increase Sales

Visa prepaid and debit cards are popular forms of payment at the register. Visa’s Partial Authorization service provides an alternative to declining a transaction when the card’s available balance is not sufficient to approve a transaction in full. Participating issuers return an authorization response with an approval for a portion of the original amount requested, enabling the remainder of the transaction amount to be paid by other means using split tender functionality.

More at Visa.com Merchant Resource Library

More webinars and documents containing in-depth information designed to help Visa merchants navigate acceptance, fraud, data security, authorization and more. Download, print and keep them on hand at your business.

This digest consists of summaries only and does not supersede or modify Visa Business News publications. Please contact your Acquirer for further information about any publications.  Actual Visa Business News articles are not public materials and should not be treated as public documents, e.g., posting on merchant websites, etc.

The Visa Business News was launched to Europe clients on August 11, 2016. Prior to that, announcements were communicated via Visa Europe Member Letter.