25.1 Visa Mandates

Cryptocurrency - Fraud Questionnaire

As part of 24.2 Visa Mandates a new question was added to the Visa Fraud questionnaire to determine if a cardholder participated in a crypto currency/NFT purchase. The question will be removed and replaced with new verbiage.

Effective immediately, the following questions will be removed from the Fraud Intake Questionnaire:

• Is this dispute in regard to the acquisition of non-fiat currency (ex: cryptocurrency) or purchase of a non-fungible token (NFT)?

• Did you participate in the Transaction but subsequently were deceived into sending the non-fiat currency or NFT to a fraudulent recipient?

Effective immediately, the following question will be added to the Fraud Intake Questionnaire:

• “Did you participate in the transaction, but were deceived into sending funds or merchandise to a fraudulent recipient?” {Yes/No}

QPS-11610

13.4 Counterfeit Merchandise Questionnaire Updates

On or after April 12, 2025, when a Counterfeit Merchandise claim is initiated, documentation is required to pursue recovery.
To continue recovery, the user will need to provide a copy of the notification that the cardholder received to support the merchandise is counterfeit at the dispute stage along with the date the cardholder received the merchandise (or received notification that the merchandise was counterfeit), and a description of the counterfeit merchandise and the disposition of the merchandise.

Prior to the change:

• Users were not prompted to attach documentation during intake for Counterfeit Merchandise.

Effective 25.1:

• Users are prompted to upload documentation during intake.

QPS-11844

Intake API Questionnaire Dependency

Resolved an issue where when submitting a dispute from the Intake API for a Quality/Defective Merchandise or Service a question was incorrectly displayed to the user.

QPS-11921

10.4 Other Fraud - CVV2 Value

Effective immediately, when a transaction has a Card Verification Value 2 (CVV2) of N, chargeback rights are not available for chargeback reason code 10.4

QPS-11944

12.6 Duplicate Processing/Paid by Other Means

On or after April 12, 2025, when processing a 12.6 Duplicate/Paid by Other Means chargeback the question “Is the other transaction paid by other means?” is required.

QPS-11847

13.1 Merchandise Not Received - Chargeback Delay

Effective immediately, when pursuing Visa recovery 13.1 the 15-calendar chargeback delay is not required when the merchant is bankrupt/insolvent.

QPS-12039

13.4 Counterfeit Merchandise

On or after April 12, 2025, when a Counterfeit Merchandise claim is initiated, documentation is required to pursue recovery.
To continue recovery, the user will need to provide a copy of the notification that the cardholder received to support the merchandise is counterfeit at the dispute stage along with the date the cardholder received the merchandise (or received notification that the merchandise was counterfeit), and a description of the counterfeit merchandise and the disposition of the merchandise.

Prior to the change:

• Documentation was not required to pursue recovery.

Effective 25.1:

• Documentation is required to continue to pursue recovery.

• The following questions are no longer passed as part of the chargeback:

  • Please describe how the merchandise is counterfeit.

  • Please provide information about the entity that indicated the merchandise to be counterfeit.

QPS-11844

13.9 Non-Receipt of Cash at an ATM Updates

On or after April 12, 2025, an update is required to the available values for Response Reason when receiving a dispute response for 13.9 Non-Receipt of Cash.

Prior to the change:

• When a Dispute Response was received on an ATM Dispute the Dispute Response Tag was “Copy of ATM Cash Disbursement or Load Transaction”

Effective 25.1:

• When receiving a Dispute Response from an ATM Dispute, the QFD will map the value “Copy of ATM Cash Disbursement” on the Dispute Response Tag.

QPS-11846

Visa Chargeback Document Dependency

Resolved an issue where when users updated the recovery reason from a recovery option that required attached documentation to a new recovery option, QFD would prompt the user to attach the documentation required from the previous selected recovery option.

Effective immediately, when a new recovery reason is selected from the Review Recovery Reason assignment, the documentation dependency is refreshed to reference documentation requirements only for the newly selected recovery reason.

QPS-11887

Currency Code Changes for Curaçao & Sint Maarten

Effective immediately, the domestic currency for Curaçao and Sint Maarten will be updated from ANG/532 (Netherlands Antilles Guilder) to XCG/532 (Caribbean Guilder).

QPS-10944

Transaction Inquiry Tags

On or after April 12, 2025 new tags will be added to the following services GetTransDetailsResponse, GetTransactionsFromCaseResponse and SIGetAllTransDetailsResponse.

QPS-11764

Visa Schema 25.1 Updates

On or after April 12, 2025 the QFD Data structure was updated to match the 25.1 DPS/Non-DPS RTSI schema.

QPS-11995