AP Intraregional IRF Guide

AP Intraregional IRF Guide
Visa Supplemental Requirements

Version 6.7
Effective: 23 April 2022

Visa Confidential
Important Information on Confidentiality and Copyright
© 2014 - 2021 Visa. All Rights Reserved.
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.
The trademarks, logos, trade names and service marks, whether registered or
unregistered (collectively the “Trademarks”) are Trademarks owned by Visa. All other
trademarks not attributed to Visa are the property of their respective owners.
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.
For further information on the IRF Guide, please contact your Visa Representative at
iSupport@visa.com
Summary of Changes
Section Status Description of Change
4.1, 5.1 Add/ • Removed chip and e-commerce fee programs
Delete • Replaced electronic fee program with product rate fee program
• Introduced alternative rate fee program
• Renamed standard fee program to acquirer downgrade fee program
• Revised selected product rates
• Removed gold from prepaid product exclusion
4.2 Add/ • Implemented customer present fee program rates across all products
Modify • Revised selected product rates
• Renamed standard fee program to customer not present fee program
AP Intraregional IRF Guide: Visa Supplemental Requirements
Contents
1. Organization of Guide .................................................................................................................................2

2. Introduction.....................................................................................................................................................3
2.1 Purpose ....................................................................................................................................................3
2.2 Usage ........................................................................................................................................................3
3. Settlement Jurisdiction................................................................................................................................ 4
3.1 International Settlement ................................................................................................................... 4
3.2 Steps taken to determine Interchange ........................................................................................ 4
4. Interchange Fee Hierarchy......................................................................................................................... 6
4.1 Point-of-Sale (POS) .............................................................................................................................8
4.2 Mobile Push Payments POS.......................................................................................................... 10
4.3 U.S. Territory Regulated Debit POS ........................................................................................... 11
4.4 Global Fee Programs ....................................................................................................................... 11
4.5 Cash Disbursement .......................................................................................................................... 12
4.6 ATM Non-Financial........................................................................................................................... 12
4.7 Original Credit .................................................................................................................................... 13
5. Interchange Fee Edit Criteria ................................................................................................................. 14
5.1 POS Fee Program .............................................................................................................................. 14
5.1.1 Mainland China Inbound F2F .................................................................................................. 14
5.1.2 Product Rate Fee Program ................................................................................................... 14
5.1.3 Alternative Rate Fee Program ............................................................................................. 14
5.1.4 Acquirer Downgrade Fee Program ................................................................................... 15
5.2 Mobile Push Payments POS Fee Program .............................................................................. 15
5.2.1 Mainland China Inbound F2F .............................................................................................. 15
5.2.2 Customer Present Fee Program ......................................................................................... 15
5.2.3 Customer Not Present Fee Program ................................................................................ 15
5.3 Global Fee Programs ....................................................................................................................... 16
5.3.1 Global B2B Virtual Payments............................................................................................... 16
5.3.2 Global Loyalty Statement Credits ...................................................................................... 16
5.4 Cash Disbursement .......................................................................................................................... 16
5.4.1 ATM Cash Withdrawal ........................................................................................................... 16
5.4.2 Manual Cash .............................................................................................................................. 17
5.5 ATM Non-Financial........................................................................................................................... 17
5.5.1 ATM Balance Inquiry............................................................................................................... 17
5.5.2 ATM Decline............................................................................................................................... 17
5.5.3 ATM Account Transfer ........................................................................................................... 17
5.5.4 PIN Management ..................................................................................................................... 18
5.5.5 ATM Mini Statements ............................................................................................................ 18
5.6 Original Credit .................................................................................................................................... 18
Effective: 23 April 2022 VISA Confidential 1

1. Organization of Guide
The IRF Guide is organized as follows:
Section 1 Organization of Guide describes the different information that will be covered
in the guide.
Section 2 Introduction describes the purpose of the guide, the target audience, and usage
of the guide.
Section 3 Settlement Jurisdiction explains how domestic transactions settle in a different
jurisdiction.
Section 4 Hierarchies lists the order in which transactions will be assessed the various fees
by product and usage.
Section 5 IRF Edits provides the message field values in which the transactions will be
validated against in order to qualify for a specific fee program.
2 Visa Confidential Effective: 23 April 2022

Introduction
2. Introduction
2.1 Purpose
This document contains information on the various interchange fee programs for Asia
Pacific Intraregional transactions and the various edit criteria that are required for each of
the fee programs listed.
Important: For the sake of simplicity in this document, client-to-client fees, including
those for Original Credits and Cash Disbursement Fees may be referred to as interchange
reimbursement fees.
2.2 Usage
The guide is intended for programmers, system analysts, and technical managers
responsible for client or processor pre- and post-edit programs on how the various
interchange fee programs are assessed.
Disclaimers:
• The tables within section 4 set forth rates for interchange reimbursement fees
applied on Visa financial transactions between different regions.
• These rates are provided for reference only. While Visa will use its best efforts to
ensure that this document 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 section 5.
• Clients should check their settlement reports to ensure that they are receiving the
rates which they are applying for.
• To the extent permitted by law, Visa excludes all liability for any loss or damage
(including special, indirect and consequential loss or damage) in connection with
clients’ use of or reliance on these rates.
Effective: 23 April 2022 Visa Confidential 3

3. Settlement Jurisdiction
3.1 International Settlement
Region 04
Settlement Service ID (SSID) 0001
International Settlement is used to settle international transactions.

Region is the numeric code assigned for geographical jurisdiction. Region code 04 is
assigned to Asia Pacific.
Settlement Service ID (SSID) is the numeric code assigned to a specific Settlement Service.
Intraregional transactions are settled in International Settlement and the SSID is 0001.
For Asia Pacific, the Settlement Flag (TCR0, position 150) value of ‘9’ is required for original
transactions. The settlement code is a retained and returned field, so the value in the
original transaction should be carried in all subsequent transactions. E.g. Chargebacks.
The value of ‘9’ results in VisaNet checking against the configuration for the issuer and
acquirer for NNSS participation and determines the settlement jurisdiction.
For intraregional transactions where transactions settle in international settlement, the

settlement flag value will be converted to ‘0’ (to denote International Settlement) prior to
sending to the Issuer.
3.2 Steps taken to determine Interchange

The following steps are taken to determine which hierarchy a transaction goes to for
interchange to be assessed. It should be noted that the same process and edit rules are
followed irrespective of how the transaction enters VisaNet, i.e. via BASEII or VIP format.
1. The product assigned to the account range is identified
2. The funding source is determined
3. The jurisdiction of the transaction (domestic, interregional, intraregional) is identified
Once the above is determined, the applicable hierarchy is then used. Based on the edit
criteria and the message content, the interchange rate is determined. VisaNet checks the
transaction elements against the edit criteria for the first fee program in the hierarchy. If
it does not meet the edit criteria, it moves on to the next fee program in the hierarchy. It
does so until the end of the hierarchy and the last fee in the hierarchy is applied if all other
interchange rate criteria could not be met.
The settlement flow is listed in the following table, by transaction type.

Settlement Jurisdiction
Table 3–1: Settlement Flow by Transaction Type
Transaction Message Description of Transaction Interchange

Class Fee Paid By
Sales Draft (Purchase) Original A product or service is bought on a Visa Acquirer
account
Credit Voucher Non-Original A purchase return or price adjustment is Issuer1
credited to a Visa account
Cash Disbursement Original Cash is disbursed from an ATM or bank teller Issuer
through a Visa or Plus card
Reversal, Sales Draft Original A purchase is cancelled by the acquirer, usually Issuer
due to a processing error
Reversal, Credit Voucher Non-Original A credit voucher is cancelled Acquirer
Reversal, Cash Original A cash disbursement submission is cancelled Acquirer
Disbursement
Dispute Financial, Sales Non-Original Used when a VCR dispute requires reallocation Issuer
Draft of funds
Dispute Financial, Credit Non-Original Used when a VCR dispute requires reallocation Acquirer
Voucher of funds
Dispute Financial, Cash Non-Original Used when a VCR dispute requires reallocation Acquirer
Disbursement of funds
Dispute Financial Reversal, Non-Original A VCR dispute requires reallocation of funds, Acquirer
Sales Draft or the reversal of a duplicate or erroneous
dispute financial transaction
Dispute Financial Reversal, Non-Original A VCR dispute requires reallocation of funds, Issuer
Credit Voucher or the reversal of a duplicate or erroneous
Dispute Financial Reversal, Non-Original A VCR dispute requires reallocation of funds, Issuer
Cash Disbursement or the reversal of a duplicate or erroneous
Dispute Response Financial, Non-Original Used when a VCR dispute requires reallocation Acquirer
Sales Draft of funds
Dispute Response Financial, Non-Original Used when a VCR dispute requires reallocation Issuer
Credit Voucher of funds
Dispute Response Financial, Non-Original Used when a VCR dispute requires reallocation Issuer
Cash Disbursement of funds
Dispute Response Financial Non-Original A VCR dispute requires reallocation of funds, Issuer
Reversal, or the reversal of a duplicate or erroneous
Sales Draft dispute financial transaction
Dispute Response Financial Non-Original A VCR dispute requires reallocation of funds, Acquirer
Credit Voucher dispute financial transaction
Dispute Response Financial Non-Original A VCR dispute requires reallocation of funds, Acquirer
Cash Disbursement dispute financial transaction
1 For Original Credit transactions, the interchange fee is paid by the originator to the recipient bank.

4. Interchange Fee Hierarchy

Interchange Reimbursement Fee (IRF) is a fee that is used as a balancing mechanism
between financial institutions involved in a transaction to grow the payment system for the
benefit of all participants. Generally, the acquirer reimburses the issuer for point-of-sale
transactions whereas the issuer reimburses the acquirer for cash and ATM transactions.
The interchange fee table hierarchy defines the order in which interchange fee programs
are assessed. Hierarchies can be defined for a specific product, funding source, network,
settlement jurisdiction and message class/subclass.
The hierarchy tables in this document illustrate the sequence interchange is assessed. The
main components of each hierarchy include the fee program, product, fee descriptor and
rate.
• Fee Program: The category of fee descriptors where the sequence determines how
interchange is assessed in the hierarchy. For each transaction, VisaNet will assess
whether the transaction qualifies for the first fee program in the hierarchy. If it
does not, VisaNet will try for the next fee program until it reaches one which the
transaction qualifies for, failing which, the transaction will be assessed the standard
fee program.
• Product: Lists products that are applicable to the fee program
Product Name Product ID Product Name Product ID

Visa Classic F Visa Corporate T&E K
Visa Gold P Visa Government Corporate T&E K1

Visa Platinum N Visa Purchasing S
Visa Rewards N1 Visa Purchasing with Fleet S1

Visa Infinite I Visa Business G
Visa Infinite Privilege I1 Visa Signature Business G1
UHNW I2 Visa Platinum Business G3
Visa Signature C Visa Infinite Business G4
Visa Electron L Visa Business Rewards G5

1
Product sub-type
• Fee Descriptor: The name of the fee program for a specific product. The same fee
descriptor can be used for multiple products.
• Fee Rate: It can be a unit rate and/or a percentage rate. If it is a unit rate, the
currency code (e.g. USD) is shown for the rate. If it is a percentage rate, the
percentage mark (%) is shown next to the rate.
The fee programs are defined for message class Originals (sales/cash original transactions
and their reversals) and credit voucher originals and their reversals.
The same fee descriptor can appear in multiple hierarchies. This can happen when the edit
criteria are the same irrespective of product, debit versus credit, etc. If the edit criteria are
different across products, or different for debit and credit, a different fee descriptor may
apply.

Interchange Fee Table Hierarchy
Interchange Fee Amount for Visa Claims Resolution Dispute Financial transactions:
The interchange fee amount applied to each VCR transaction will be the same fee amount
assessed to the original transaction when the full amount transaction amount is disputed.
For partially disputed amounts, the interchange fee amount applied will be proportionally
adjusted to the amount being disputed.
VCR Fee Descriptors for Dispute Financials:
Fee Descriptor Description

DISP FIN Dispute financial
DISP FIN RVRSL Dispute financial reversal
DISP RESP FIN Dispute response financial
DISP RESP RVRSL Dispute response financial reversal
VCR Fee Descriptors for Cashback Interchange Reimbursement Fees (IRFs):
Fee Descriptor Description

DISP FN CSHBK Cashback IRF for dispute financial
DISP FN RV CSHBK Cashback IRF for dispute financial reversal
DISP RS CSHBK Cashback IRF for dispute response financial
DISP RS RV CSHBK Cashback IRF for dispute response financial reversal

4.1 Point-of-Sale (POS)

Product All
Account Funding Source All except Regulated Debit (refer to 4.3)
Message Class / Subclass Sales Draft (Purchase)/Credit Voucher (TCx5/TCx6)
Connection BASEII/VIP
Product Fee Descriptor Fee Rate
Mainland China Inbound F2F Fee Program
All CHNINT PRGM AP 0.45%
Product Rate Fee Program
Classic, Electron AP CLS 1.22%
Gold – excluding Japan Issuers AP GLD 1.42%
Gold – Japan Issuers AP PRM 1.88%
Platinum AP PLT 1.88%
Rewards AP RWD 1.88%
Signature AP SIG 2.02%
Infinite AP INF 2.02%
UHNW AP UHNW 2.35%
Business, Platinum Business AP BUS 2.00%
Corporate AP CORP 2.00%
Purchasing AP PUR 2.00%
Signature Business, Infinite

AP PREMCOM 2.02%
Business, Business Rewards
Alternative Rate Fee Program
Classic, Electron AP ALT CLS 1.35%
Gold – excluding Japan Issuers AP ALT GLD 1.55%
Gold – Japan Issuers AP ALT PRM 1.88%
Platinum AP ALT PLT 1.88%
Rewards AP ALT RWD 1.88%
Signature AP ALT SIG 2.02%
Infinite AP ALT INF 2.02%
UHNW AP ALT UHNW 2.35%
Business, Platinum Business AP ALT BUS 2.00%
Corporate AP ALT CORP 2.00%
Purchasing AP ALT PUR 2.00%

AP ALT PREMCOM 2.02%
Acquirer Downgrade Fee Program
Classic, Electron AP STD 1.40%

Gold – excluding Japan Issuers AP STD GLD 1.60%
Gold – Japan Issuers AP STD PRM 1.93%
Platinum AP STD PLT 1.93%
Rewards AP STD RWD 1.93%
Signature AP STD SIG 2.07%
Infinite AP STD INF 2.07%
UHNW AP STD UHNW 2.40%
Business, Platinum Business AP STD BIZ 2.05%
Corporate AP STD CORP 2.05%
Purchasing AP STD PUR 2.05%

AP STD PREMCOM 2.07%

4.2 Mobile Push Payments POS

Product All
Account Funding Source All
Message Class / Subclass Credit Voucher (Original Credit) (TCx6)
Connection VIP
Mainland China Inbound F2F Fee Program
All CHNINT PRGM AP 0.45%
Customer Present Fee Program
Classic, Electron AP CLS 1.22%
Gold – excluding Japan Issuers AP GLD 1.42%
Gold – Japan Issuers AP PRM 1.88%
Platinum AP PLT 1.88%
Rewards AP RWD 1.88%
Signature AP SIG 2.02%
Infinite AP INF 2.02%
UHNW AP UHNW 2.35%
Business, Platinum Business AP BUS 2.00%
Corporate AP CORP 2.00%
Purchasing AP PUR 2.00%

AP PREMCOM 2.02%
Customer Not Present Fee Program
Classic, Electron AP ALT CLS 1.35%
Gold – excluding Japan Issuers AP ALT GLD 1.55%
Gold – Japan Issuers AP ALT PRM 1.88%
Platinum AP ALT PLT 1.88%
Rewards AP ALT RWD 1.88%
Signature AP ALT SIG 2.02%
Infinite AP ALT INF 2.02%
UHNW AP ALT UHNW 2.35%
Business, Platinum Business AP ALT BUS 2.00%
Corporate AP ALT CORP 2.00%
Purchasing AP ALT PUR 2.00%

AP ALT PREMCOM 2.02%

4.3 U.S. Territory Regulated Debit POS

This hierarchy applies to intraregional debit transactions between acquirers and issuers in the following
U.S. Territory countries in the AP region: American Samoa, Guam, Northern Mariana Islands, and U.S.
Minor Outlying Islands.
Account Funding Source Debit/Prepaid

Message Class / Subclass Sales Draft (Purchase) / Credit Voucher (TCx5/TCx6)
Product Fee Descriptor Fee Rate1
All AP REGULATED DB 0.05% + 0.22 USD

1The regulated debit card interchange fee rate includes the USD 0.01 fraud prevention interchange adjustment for
certified issuers. Issuers that have not certified their compliance with the interim fraud prevention standards will be
subject to a manual adjustment process to ensure that the interchange fees received on regulated transactions are
not greater than the Federal Reserve regulated cap of 0.05% + 0.21 USD.
4.4 Global Fee Programs

Message Class/Subclass Purchase/Credit Voucher (Original/Reversal)
Connection BASE II/VIP
Global B2B Virtual Payments Fee Program

Product ID = X^ GLB B2B VTL PYMT 2.00%
B2B RGSTRD PRGM Varies based on valid PID Values
(in parentheses), as follows:
0.80% (A1)
1.00% (A2)
1.20% (A3)
1.40% (A4)
1.60% (A5)
1.80% (A6)
Global Loyalty Statement Credits Fee Program
All GLB LYTL STMTCRT 0.00%

4.5 Cash Disbursement

Message Class / Subclass Cash (Original/Reversal)
Connection BASEII/VIP (Network 2 &4)
Fee Program Remarks Fee Descriptor Fee Rate
Misdispense Fee Program
Misdispense N/A MISDISPENSE 0.00
ATM Cash Withdrawal with Access Fee
DCC Applied N/A ATM DCC AF 0.00
DCC Not Applied ATM acquirer from Japan ATM AF JPN 0.15% + 0.50 USD
Any other acquirer country ATM AF 0.15%
ATM Cash Withdrawal without Access Fee
Access Fee Free1 Plus Network only ATM AFF SVC 0.52% + 0.65 USD
DCC Applied Any Network ATM DCC NO AF 0.15%
DCC Not Applied Visa Travel Money product AP ATM TRAVEL 1.00 USD
Any other ATM NO AF 0.52% + 0.65 USD
Non-Qualified ATM Fee Program
ATM Non-Qualified N/A ATM NON QUAL 0.00
Manual Cash Fee Program
Manual Cash N/A AP MANUAL CASH 0.33% + 1.75 USD
Mobile Push Payments Cash Claim N/A AP CC MVISA 0.33% + 1.75 USD
1 This is a specific program where participation in the Global ATM Access Fee Free Service is required, and is
identified via acquiring identifier and issuing (ISO) BIN setup in Visa systems. Contact your Visa Representatives
for more information.
4.6 ATM Non-Financial

Message Class / Subclass ATM Non-Financial
Connection VIP (Network 2 & 4)
Fee Program Fee Descriptor Fee Rate

ATM Balance Inquiry AP ATM BAL INQ 0.30 USD
ATM Decline AP ATM DECLINE 0.30 USD
ATM Account Transfer AP ATM TRANSFER 0.30 USD
PIN Change PIN CHANGE RGN 0.60 USD
Management Unblock PIN UNBLCK RGN 0.60 USD
ATM Mini Statements ATM MIN STMT 0.30 USD

4.7 Original Credit

Message Class / Subclass Credit Voucher (Original Credit) (TCx6)
Fee Program Fee Descriptor Fee Rate
Mobile Push Payments Cash Out AP CO MVISA 0.33% + 1.75 USD
Fast Funds AP FAST FUND 0.60 USD
Original Credit AP ORIG CREDIT 0.29 USD

5. Interchange Fee Edit Criteria

This section provides the key data requirements for transactions to qualify for the applicable
interchange fee programs, and does not represent the entire data layouts which may be
required for the transactions. Refer to the VisaNet Technical manuals for the detailed data
requirements.
5.1 POS Fee Program

5.1.1 Mainland China Inbound F2F
Data Element Clearing
Base II TC Field VIP Field Value
POS Entry Mode TCR0, Position 162-163 F22 02, 05, 07, 90, 91, 95
Merchant Category Code TCR0, Position 133-136 F18 All except the following:
3000-3350, 3351-3441, 3501-
3838, 4112, 4411, 4511, 4722,
5309, 7011, 7512
Purchase amount (source amount less cashback amount) Less than or equals to RMB 1000
Merchant country and acquirer country Mainland China
5.1.2 Product Rate Fee Program

Reimbursement Attribute TCR0, Position 168 F63.11 Any valid value
POS Entry Mode TCR0, Position 162-163 F22 02, 05, 07, 90 , 91, 95
Authorization Code TCR0, Position 152-157 F38 Valid 6-digit value1
Authorization Response Code2 TCR 5, Position 35-36 F39 Y1, Y3
Central Processing Date TCR0, Position 164-167 F15 Within 3 days of purchase date3
1 The last five positions of the code must not be all spaces, all zeroes, four zeroes followed by a space, or N. If the
transaction does not met this edit criteria, it will be return/reclassified with Reason Code “17” (The authorization
code is invalid.) This reclassification applies only to BASE II Purchases and reversals (TC 05/TC 25).
2 Validated if authorization code is not valid.
3 Purchase date, central processing date and Sundays are excluded. If the transaction does not meet the criteria,
it will be returned/reclassified with Reason Code ‘1R’ (Transaction does not meet the timeliness criteria
established for the requested interchange reimbursement fee). The reclassification only applies to BASE II
purchases and reversals (TC 05/ TC 25).
5.1.3 Alternative Rate Fee Program

Reimbursement Attribute TCR0, Position 168 F63.11 Any valid value
POS Entry Mode TCR0, Position 162-163 F22 NOT 02, 05, 07, 90 , 91 or 95
Authorization Code TCR0, Position 152-157 F38 Valid 6-digit value1
Authorization Response Code2 TCR 5, Position 35-36 F39 Y1, Y3

Interchange Fee Edit Criteria
Central Processing Date TCR0, Position 164-167 F15 Airline MCCs:

Within 7 days of purchase date3
All others:
Within 3 days of purchase date3
1 The last five positions of the code must not be all spaces, all zeroes, four zeroes followed by a space, or N. If the
transaction does not met this edit criteria, it will be return/reclassified with Reason Code “17” (The authorization
code is invalid.) This reclassification applies only to BASE II Purchases and reversals (TC 05/TC 25).
2 Validated if authorization code is not valid.
3 Purchase date, central processing date and Sundays are excluded. If the transaction does not meet the criteria,
it will be returned/reclassified with Reason Code ‘1R’ (Transaction does not meet the timeliness criteria
established for the requested interchange reimbursement fee). The reclassification only applies to BASE II
purchases and reversals (TC 05/ TC 25).
5.1.4 Acquirer Downgrade Fee Program

This fee program is the last fee program in the hierarchies. The rates and descriptors apply to
transactions that do not meet the qualification criteria for the rest of the fee programs in the hierarchies.
5.2 Mobile Push Payments POS Fee Program

VIP Field Value
Processing Code F3, Position 1-2 26 (Original Credit)
Business Application Indicator (BAI) F104 Usage 2, Dataset ID 57, Tag 01 MP
5.2.1 Mainland China Inbound F2F

VIP Field Value
Point-of-Service Condition Code F25 05
Merchant Category Code F18 All except the following:
3000-3350, 3351-3441, 3501-
3838, 4112, 4411, 4511, 4722,
5309, 7011, 7512
Purchase amount (source amount less cashback amount) Less than or equals to RMB 1000
Merchant country and acquirer country Mainland China
5.2.2 Customer Present Fee Program

VIP Field Value
Point-of-Service Condition Code F25 05
5.2.3 Customer Not Present Fee Program

This is the last fee program in the hierarchies. The rates and descriptors apply to transactions that do
not meet the qualification criteria for the rest of the fee programs in the hierarchies.

5.3 Global Fee Programs

5.3.1 Global B2B Virtual Payments
This fee program is only valid for credit, prepaid and deferred debit account funding source.

BASE II TC Field VIP Field Value
Product ID TCR5, Position 136-137 F62.23 X^
Merchant Category Code TCR0, Position 133-136 F18 3000-3350, 3351-3500, 3501-
3999, 4112, 4131, 4411, 4511,
4582, 4722, 5962, 6513, 7011,
7012, 7032, 7033, 7298, 7512,
7513, 7519, 7991, 7997, 7999
Program ID Value1 N/A N/A A1, A2, A3, A4, A5, A6
(for registered program)
1 Valid ARDEF table values used by the Visa B2B Virtual Payments issuers to identify, as needed, the product
program offering associated with a unique B2B Virtual Payments product account range.
5.3.2 Global Loyalty Statement Credits

Business Application TCR3, Positions 15-16 F104, Usage 2 Dataset LO
Identifier (BAI) or 19-20 Hex57 Tag 1
Sender Data N/A Field 104, Usage 2, VDMMRTTC10 (Loyalty MRT TC10)
Dataset ID 5F, Tag 01 Or
VDMMRTLOYL (Loyalty MRT LOYL)
5.4 Cash Disbursement

5.4.1 ATM Cash Withdrawal
Reimbursement Attribute TCR0, Position 168 F63.11 G or 1 (Network 4)
H or 2 (Network 2)
Merchant Category Code TCR0, Position 133-136 F18 6011
Source Amount1 TCR0, Position 77-88 F4 Source Amount
Authorized Amount TCR5, Position 20-31 F4 Authorized Amount
Requested Payment Service2 TCR0, Position 145 F62.15 9 (CPS/ATM)
ATM Business Qualifier3 - - 1 (Qualified)
Central Processing Date4 TCR0, Position 164-167 F15 Within 3 days
With Access Fee
Access Fee/Surcharge Amount TCR4, Position 51-58 F28 Greater than Zero
Without Access Fee
Access Fee/Surcharge Amount TCR4, Position 51-58 F28 Zero
1 Source amount is the sum of the authorized amount and access fee. If it is smaller than the authorized amount,
the transaction will get the ATM Non-Qualified fee descriptor and rate with the reclassification reason code “HV2”

Interchange Fee Edit Criteria
(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 (TC07/27).
2 If the transaction does not meet the edit criteria, it will get the ATM Non-Qualified fee descriptor and rate with
reclassification reason code “H0”. This reclassification only applies to BASE II Cash Disbursement and its reversal
(TC07/27).
3 CONFIG flag for ATM Acquiring BIN. VIP ATM Acquiring BIN will receive the ATM Tier II interchange fee only when
the flag is set to “1.”
4 Transaction 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 (TC07/27) for Classic, Gold and
Electron.
5.4.2 Manual Cash
Data Elements Clearing

BASE II TC Field1 VIP Field Value
Merchant Category Code TCR0, Position 133-136 F18 6010
Response Code TCR5, Position 35-36 F39 00
Additional edits for Mobile Push Payments Cash Claim
Business Application - F104, Account Funding Source 2 CC (cash claim)
Identifier Dataset Hex57 Tag 1
1 Only applicable to message acquirers
5.5 ATM Non-Financial

5.5.1 ATM Balance Inquiry
Data Element Authorization
VIP Field Value
Merchant Category Code F18 6011
Processing Code F3, Position 1-2 30 (Balance Inquiry)
5.5.2 ATM Decline

VIP Field Value
Processing Code F3, Position 1-2 01 (Cash Disbursement)
Authorization Code F39 Not equal to 00 (Approved)
5.5.3 ATM Account Transfer

VIP Field Value
Processing Code F3, Position 1-2 40

5.5.4 PIN Management

VIP Field Value
Processing Code F3, Position 1-2 70 (PIN change/unblock); 72 (PIN unblock)
Response Code F39 Approved or applicable decline response codes1

1Refer to the Visa Global ATM Member Guide for a list of decline response codes that are not assessed the PIN
Management Services interchange fee. Additionally, transactions with decline response codes 57 and 58 are also
not assessed this fee.
5.5.5 ATM Mini Statements

VIP Field Value
Processing Code F3, Position 1-2 34
Response Code F39 Approved or applicable decline response codes1

1Refer to the Visa Global ATM Member Guide for a list of decline response codes that are not assessed the ATM
Mini Statements fee.
5.6 Original Credit

Transaction Code Qualifier TCR0, Position 3 - 2
Processing Code - F3, Position 1-2 26 (Original Credit)
Specific Edit for Mobile Push Payments Cash Out
Business Application Identifier - F104, Funding Source 2 CO

Dataset Hex57 Tag 1
Additional/Specific Edits for Fast Funds Money Transfer
Merchant Category Code TCR0, Position 133-136 F18 4829 or 6012
Business Application Identifier TRC3, Position 19-20 F104, Funding Source 2 AA or PP

Dataset Hex57 Tag 1
Account Range – Cross-Border - - Y

Fast Fund Flag (CONFIG)1
1 Visa CONFIG flag for the BIN or account ranges. For any issuing BIN participating in cross-border Fast Fund, the
flag needs to be set up by Visa.

AP Intraregional IRF Guide

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AP Intraregional IRF Guide

Visa Supplemental Requirements

Effective: 23 April 2022

© 2014 - 2021 Visa. All Rights Reserved.

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed

1. Organization of Guide .................................................................................................................................2

Effective: 23 April 2022 VISA Confidential 1

2 Visa Confidential Effective: 23 April 2022

Effective: 23 April 2022 Visa Confidential 3

International Settlement is used to settle international transactions.

For intraregional transactions where transactions settle in international settlement, the

3.2 Steps taken to determine Interchange

4 Visa Confidential Effective: 23 April 2022

Table 3–1: Settlement Flow by Transaction Type

Transaction Message Description of Transaction Interchange

Effective: 23 April 2022 Visa Confidential 5

4. Interchange Fee Hierarchy

Product Name Product ID Product Name Product ID

Visa Gold P Visa Government Corporate T&E K1

Visa Rewards N1 Visa Purchasing with Fleet S1

Visa Infinite Privilege I1 Visa Signature Business G1

UHNW I2 Visa Platinum Business G3

Visa Signature C Visa Infinite Business G4

Visa Electron L Visa Business Rewards G5

6 Visa Confidential Effective: 23 April 2022

VCR Fee Descriptors for Dispute Financials:

Fee Descriptor Description

VCR Fee Descriptors for Cashback Interchange Reimbursement Fees (IRFs):

Fee Descriptor Description

Effective: 23 April 2022 Visa Confidential 7

4.1 Point-of-Sale (POS)

Account Funding Source All except Regulated Debit (refer to 4.3)

Message Class / Subclass Sales Draft (Purchase)/Credit Voucher (TCx5/TCx6)

Product Fee Descriptor Fee Rate

Mainland China Inbound F2F Fee Program

All CHNINT PRGM AP 0.45%

Product Rate Fee Program

Classic, Electron AP CLS 1.22%

Gold – excluding Japan Issuers AP GLD 1.42%

Gold – Japan Issuers AP PRM 1.88%

Platinum AP PLT 1.88%

Rewards AP RWD 1.88%

Signature AP SIG 2.02%

Infinite AP INF 2.02%

UHNW AP UHNW 2.35%

Business, Platinum Business AP BUS 2.00%

Corporate AP CORP 2.00%

Purchasing AP PUR 2.00%

Signature Business, Infinite

Alternative Rate Fee Program

Classic, Electron AP ALT CLS 1.35%

Gold – excluding Japan Issuers AP ALT GLD 1.55%

Gold – Japan Issuers AP ALT PRM 1.88%

Platinum AP ALT PLT 1.88%

Rewards AP ALT RWD 1.88%

Signature AP ALT SIG 2.02%

Infinite AP ALT INF 2.02%

UHNW AP ALT UHNW 2.35%

Business, Platinum Business AP ALT BUS 2.00%

Corporate AP ALT CORP 2.00%