Overview

The Visa recovery strategy is technically 2 separate strategies: one for allocation and one for collaboration.  The two strategies share some common flows, which are referenced on this page.  The Allocation flow applies to Fraud an Authorization claims, while the Collaboration flow applies to Consumer Disputes and Processing Errors.  Arbitration and Compliance are support for both Allocation and Collaboration.

Recovery Options

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/Late Presentment 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 or Services 13.3

Counterfeit Merchandise 13.4

Misrepresentation 13.5

Credit Not Processed 13.6

Cancelled Merchandise or Services 13.7

Original Credit Transaction Not Accepted 13.8

Non Receipt of Cash or Load Transaction Value at ATM 13.9