Allocation

Visa Allocation includes the following Fraud and Authorization recovery options.  Recovery options may be automatically selected and executed by the system, when enabled.  In some cases, primarily fraud and authorization disputes, recovery options are set based on a number of validations to determine if chargeback rights exists.  Any applicable validation rules are documented in each recovery option. 

Authorization

Card Recovery Bulletin or Exception File (11.1)

Declined Authorization (11.2)

No Authorization (11.3)

Collaboration 

Visa Collaboration includes the following Consumer Dispute and Processing Error recovery options.   Recovery options may be automatically selected and executed by the system, when enabled.  For consumer disputes or processing errors, recovery options are typically set based on certain claim attributes.  This logic is defined in Visa Recovery Option Settings.

Consumer Disputes

Services Not Provided or Merchandise Not Received (13.1)

Cancelled Recurring Transaction (13.2)

Not as Described or Defective Merchandise/Services (13.3)

Counterfeit Merchandise (13.4)

Misrepresentation of the purchased good and/or service (13.5)

Credit Not Processed (13.6)

Cancelled Merchandise/Services (13.7)

Original Credit Transaction Not Accepted (13.8)

Non-Receipt of Cash or Load Transaction Value at ATM (13.9)