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Declined Authorization (11.2)

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Conditions

An issuer may initiate a dispute under dispute condition 11.2: Declined Authorization for the following reason:

  • Authorization request received a decline response or pickup response and the merchant completed the transaction.


Dependencies

A dispute of a Mass Transit Transaction is valid for the full Transaction amount if a decline response was sent and the transaction amount was greater than the amount specified in the Mass Transit Transaction Requirements, which are as follows:

  • An Acquirer must ensure that its Merchants that perform Mass Transit Transactions do all of the following:
  • Register with Visa
  • Deploy Contactless-only Acceptance Devices
  • In the AP Region, Canada Region, CEMEA Region, LAC Region, US Region: Are able to receive a Payment Account Reference (PAR)
  • Effective 30 September 2019 in the Europe Region: Are able to receive a Payment Account Reference (PAR)
  • Submit an Account Verification when a Card is first used at the Merchant
  • Block a Card from being used for travel within one hour of receiving either:
    • A Decline Response
    • An Issuer response to an Account Verification indicating that the Transaction should not be completed with that Card
  • Reset the Mass Transit Transaction parameters held for a Card on the Merchant’s host system and/or remove any travel block on the Card only after receiving an Approval Response to an Authorization Request that contained Full-Chip Data
  • Upon completion of a Transaction, provide the Cardholder with access to all of the following information for a minimum of 120 days following the Transaction Processing Date:
    • Merchant name
    • Total Transaction amount in the Transaction Currency
    • Details of each individual journey completed during the Travel Period, including the start and end time of each journey
    • Final Transaction Date
    • Any discounts applied
  • To obtain an Approval Response following a Decline Response, the Merchant must request Online Authorization using either of the following amounts:
    • If no fare is outstanding, the Transaction amount that was cleared following the Decline Response. Upon receipt of an Approval Response, the travel block must be removed within one hour and the Authorization Request must be reversed.
    • The amount of any outstanding fare. Upon receipt of an Approval Response, the travel block must be removed within one hour.


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