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BASE II Clearing Reports

BASE II Clearing
Effective: 14 Apr 2018

© 2001 - 2018 Visa. All Rights Reserved. 0318–40

Visa Confidential
Important Note on Confidentiality and Copyright

The Visa Confidential label signifies that the information in this document is confidential
and proprietary to Visa and is intended for use only by Visa Clients subject to the
confidentiality and feedback provisions in the Visa Core Rules and Visa Product and Service
Rules, non-Client Third-Party Processors that have an executed and valid VisaNet Letter
of Agreement on file with Visa, and other third parties that have a current participation
agreement with Visa that covers confidentiality of the information contained herein and
Visa’s use of feedback.

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decompilation. No part of this document may be reproduced in any form by any means
without prior written authorization of Visa.

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All other product names mentioned herein are the trademarks of their respective owners.

THIS PUBLICATION COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL


ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN: THESE
CHANGES WILL BE INCORPORATED IN NEW EDITIONS OF THE PUBLICATION. VISA
MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE PRODUCT(S) AND/OR THE
PROGRAM(S) DESCRIBED IN THIS PUBLICATION AT ANY TIME.

If you have technical questions or questions regarding a Visa service or questions about
this document, please contact your Visa representative.
Contents

About This Manual............................................................................................1


Organization of This Manual. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Documentation Conventions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Reference Documentation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Chapter 1 • Chargeback Reduction Service Reports


1.1 Chargeback Reduction Service Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-3

1.2 CBRMR102: Chargeback Performance Analysis—Audit Report Samples. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-3

1.2.1 CBRMR102—Chargeback Performance Analysis–Audit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-4

1.3 CBRMR201–A: Chargeback Reduction Service Detail Report Samples. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-15

1.3.1 CBRMR201–A—Chargeback Reduction Service Detail. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-16

1.4 CBRMR202: Chargeback Performance Analysis—Management Report Samples. . . . . . . . . . . . . . . . . . . . . . . . . . . .1-19

1.4.1 CBRMR202—Chargeback Performance Analysis–Management. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-20

1.5 CBRMR301–A: Chargeback Reduction Returned Draft (Issuer) Detail. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-29

1.5.1 CBRMR301–A—Chargeback Reduction Returned Draft Detail-Issuer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-30

1.6 CBRMR302–A: Chargeback Reduction Returned Draft (Acquirer) Detail Report Samples. . . . . . . . . . . . . . . .1-34

1.6.1 CBRMR302–A—Chargeback Reduction Returned Draft Detail–Acquirer. . . . . . . . . . . . . . . . . . . . . . . . . .1-35

14 Apr 2018 Visa Confidential BASE II Clearing Reports i


Contents

Chapter 2 • Financial Controls


2.1 Introduction to Financial Controls. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-3

2.2 Audit and Control Considerations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-3

2.2.1 Backlog Controls. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-3

2.2.2 Suspense Controls. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-3

2.2.3 Chargeback and Re-Presentment Controls. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-3

2.2.4 Returned Item Controls. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-4

2.2.5 Accounting for Settlement and BASE II-Related Fees and Charges. . . . . . . . . . . . . . . . . . . . . . . . . . . .2-4

2.3 Interchange Controls. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-4

2.3.1 Outgoing Interchange Control. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-5

2.3.1.1 Data Entry. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-6

2.3.1.2 Computer Data Edit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-6

2.3.1.3 Control of Rejected Transactions Through Suspense Accounts. . . . . . . . . . . .2-6

2.3.1.4 Controls for Currency Conversions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-8

2.3.1.5 Transmission to the VIC. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-8

2.3.2 Incoming Interchange Controls. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-8

2.3.2.1 Computer Data Edit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-8

2.3.2.2 Post-Edit Processing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-9

2.3.2.3 Settlement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-11

2.4 Settlement Schedule. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-13

2.5 Report Reconciliation and Balancing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-14

2.5.1 Verifying Interchange Fees and BASE II Charges. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-17

ii Visa Confidential BASE II Clearing Reports 14 Apr 2018


Contents

2.5.2 Verifying International Service Assessment (ISA) Fees. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-17

2.5.3 Verifying International Outgoing Interchange (IOI) Fees. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-18

Chapter 3 • Centralized Edit Package Alternative Reports


3.1 Introduction to Centralized Edit Package Alternative Reports. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-3

3.2 BII–R200: Visa Returned Item Detail by BIN and CIB Report Samples. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-4

3.2.1 BII-R200—Visa Returned Item Detail by BIN and CIB. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-5

3.3 BII–R201: Visa Returned Item Summary by BIN and CIB Report Samples. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-8

3.3.1 BII-R201—Visa Returned Item Summary by BIN and CIB. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-9

3.4 BII–R202: Visa Returned Item Summary by CIB Report Samples. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-12

3.4.1 BII-R202—Visa Returned Item Summary by CIB. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-13

3.5 BII–R270: Visa Returned Item Detail by BIN and CIB, Chargeback Reduction Service
Report Samples. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-15

3.5.1 BII-R270—Visa Returned Item Detail by BIN and CIB - CRS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-16

3.6 BII–R271: Visa Returned Item Summary by BIN and CIB, Chargeback Reduction Service
Report Samples. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-19

3.6.1 BII-R271—Visa Returned Item Summary by BIN and CIB - CRS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-20

3.7 BII–R272: Visa Returned Item Summary by CIB, Chargeback Reduction Service Report Samples. . . . .3-22

3.7.1 BII-R272—Visa Returned Item Summary by CIB. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-23

Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Glossary-1

Index . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .IX-1

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iv Visa Confidential BASE II Clearing Reports 14 Apr 2018


Figures

2-1 Financial Control PointsCenter. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-5


2-2 BASE II Settlement Cycle. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-13

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Tables

1 Document Conventions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
1-1 CBRMR102–A—Chargeback Performance Analysis–Audit (Issuer Perspective). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-8
1-2 CBRMR201–A Field Descriptions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-19
1-3 CBRMR202–A—Chargeback Performance Analysis–Management (Issuer Perspective). . . . . . . . . . . . . . . . . . . . . . . . . .1-25
1-4 CBRMR301–A—Chargeback Reduction Returned Draft (Issuer) Detail. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-34
1-5 CBRMR302–A—Chargeback Reduction Returned Draft (Acquirer) Detail. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-38
2-1 Outgoing and Incoming Interchange Reconciliation Steps. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-14
3-1 BII–R200: Visa Returned Item Detail by BIN and CIB. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-8
3-2 BII–R201—Daily Summary Report by BIN and CIB. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-12
3-3 BII–R202 Visa Returned Item Summary by CIB. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-15
3-4 BII–R270: Visa Returned Item Detail by BIN and CIB, Chargeback Reduction Service. . . . . . . . . . . . . . . . . . . . . . . . . .3-19
3-5 BII–R271: Visa Returned Item Summary by BIN and CIB, Chargeback Reduction Service. . . . . . . . . . . . . . . . . . . . .3-22
3-6 BII–R272: Visa Returned Item Summary by CIB, Chargeback Reduction Service. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-25

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viii Visa Confidential BASE II Clearing Reports 14 Apr 2018


About This Manual

The BASE II Clearing Reports manual describes the internal auditing controls necessary for
BASE II processing reconciliation.

Organization of This Manual


The BASE II Clearing Reports manual is organized as follows:

Chapter 1, Chargeback Reduction Service Reports—Describes how the reports provide


transaction summary counts and amounts by transaction reason code and transaction
usage code from both an issuer and an acquirer perspective.

Chapter 2, Financial Controls—Describes the procedures for creating and maintaining


financial controls for monitoring the accuracy of BASE II transaction processing and
reporting. The chapter includes guidelines for verifying BASE II accounting, settlement,
and reconciliation functions, and suggested procedures for balancing worksheets.

Chapter 3, Centralized Edit Package Alternative Reports—Contains descriptions and


samples of the six optional BASE II Returned Items reports available to members. For
each report, there is an explanation of the differences between the report and the Edit
Package report it replaces.

A Glossary and Index are provided at the end of this manual.

Documentation Conventions
This manual uses the following documentation conventions.

Table 1 Document Conventions

Symbol Explanation
ALL UPPERCASE LETTERS Names of platforms, programs, or parameters.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1


Reference Documentation About This Manual

Table 1 Document Conventions (continued)

Symbol Explanation
boldface Menu choices and some keyboard names. For example:

Click OK to continue the install.

Also, used for extra emphasis.

Identifies an example of what the accompanying text describes


EXAMPLE: or explains.

EXAMPLE:
This is an example.

Highlights important information in the text.


IMPORTANT
IMPORTANT
This is important information.

italics Document titles, emphasis.


“material in quote marks” Section names referenced in a chapter.
LetterGothic typeface Text used to re-create sample reports.
Courier typeface Text used to re-create sample reports.
Provides more information about the preceding topic.
NOTE:
NOTE:
This is important information.

Reference Documentation
This manual is a part of the BASE II Clearing documentation series.

For further BASE II information, see the following documents:


• BASE II Clearing Edit Package (Release 4.0) Operations Guide
• BASE II Clearing Edit Package (Release 4.0) Reports
• BASE II Clearing Interchange Formats, TC 01 to TC 48
• BASE II Clearing Interchange Formats, TC 50 to TC 92
• BASE II Clearing PC Edit Package for Windows (Release 4.0) User’s Guide
• BASE II Clearing VML Developer Handbook
• BASE II Clearing VML Formats

2 Visa Confidential BASE II Clearing Reports 14 Apr 2018


About This Manual Reference Documentation

• Visa Core Rules and Visa Product and Service Rules


• Visa Merchant Data Standards Manual

14 Apr 2018 Visa Confidential BASE II Clearing Reports 3


Reference Documentation About This Manual

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4 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chargeback Reduction Service 1
Reports
Chargeback Reduction Service Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-3

CBRMR102: Chargeback Performance Analysis—Audit Report Samples. . . . . . . . . . . .1-3


CBRMR102—Chargeback Performance Analysis–Audit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-4

CBRMR201–A: Chargeback Reduction Service Detail Report Samples. . . . . . . . . . . . . .1-15


CBRMR201–A—Chargeback Reduction Service Detail. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-16

CBRMR202: Chargeback Performance Analysis—Management Report Samples . 1-19


CBRMR202—Chargeback Performance Analysis–Management. . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-20

CBRMR301–A: Chargeback Reduction Returned Draft (Issuer) Detail. . . . . . . . . . . . . .1-29


CBRMR301–A—Chargeback Reduction Returned Draft Detail-Issuer. . . . . . . . . . . . . . . . . . . . .1-30

CBRMR302–A: Chargeback Reduction Returned Draft (Acquirer) Detail


Report Samples. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-34
CBRMR302–A—Chargeback Reduction Returned Draft Detail–Acquirer. . . . . . . . . . . . . . . . . .1-35

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Chapter 1: Chargeback Reduction Service Reports

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1-2 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chargeback Reduction Service 1
Reports

1.1 Chargeback Reduction Service Introduction


The BASE II Chargeback Reduction Service (CRS) is designed to reduce the number of
invalid sales drafts and cash disbursement chargebacks by focusing on proper merchant
authorization procedures. This chapter will provide reports generated by CRS.

The reports will provide transaction summary counts and amounts by transaction reason
code and transaction usage code. It also includes accumulated count and amount totals
for selected chargeback transactions and returned sales drafts.

The seven Chargeback Reduction Service reports provided by Visa on a monthly basis are:
• CBRMR102–A: Chargeback Performance Analysis–Audit (Issuer Perspective)—U.S. only
• CBRMR102–B: Chargeback Performance Analysis–Audit (Acquirer Perspective)—U.S. only
• CBRMR201–A: Chargeback Reduction Service Detail
• CBRMR202–A: Chargeback Performance Analysis–Management (Issuer Perspective)
• CBRMR202–B: Chargeback Performance Analysis–Management (Acquirer Perspective)
• CBRMR301–A: Chargeback Reduction Draft (Issuer) Detail
• CBRMR302–A: Chargeback Reduction Draft (Acquirer) Detail

1.2 CBRMR102: Chargeback Performance Analysis—Audit


Report Samples
The following pages contain Chargeback Performance Analysis—Audit Report samples.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-3


Description Chapter 1: Chargeback Reduction Service Reports

1.2.1 CBRMR102—Chargeback Performance Analysis–Audit


1.2.1.1 CBRMR102 Purpose
From an issuer and acquirer perspective, these reports provide an analysis of returned
versus processed exception item transactions for each center and BIN. These reports
are used for the U.S. region only.

1.2.1.2 CBRMR102 Frequency


Provided on a monthly basis.

1.2.1.3 CBRMR102 Sort Sequence


Destination region, center, BIN, transaction code, reason code, usage code, and return
reason code.

1.2.1.4 CBRMR102 Reconciliation Process


Balancing and Reconciliation is not applicable.

1.2.1.5 CBRMR102 Description


The CBRMR102 Report comprises: CBRMR102–A Report—From an issuer perspective,
this report summarizes the count and amount of accepted and returned exception item
transactions for each center and BIN by transaction code, reason code, usage code, and
return reason code for the processing month.

The percentages of returned transactions to total processed transactions are included for
each center and BIN for each transaction code, reason code, and usage code entry. The
exception item transactions are:
• TC 15–Sales Draft Chargeback
• TC 16–Credit Voucher Chargeback
• TC 17–Cash Disbursement Chargeback
• TC 35–Sales Draft Chargeback Reversal
• TC 36–Credit Voucher Chargeback Reversal
• TC 37–Cash Disbursement Chargeback Reversal
• TC 51–Request for Copy (RFC)—Original
• TC 52–Request for Copy (RFC)—Photocopy
CBRMR102–A: Chargeback Performance Analysis–Audit (Issuer Perspective)

The CBRMR102–A Report contains the count and amount of accepted and returned
exception item transactions for each center and BIN by transaction code, reason code,
usage code, and return reason code. The reason codes for both TC 52 and TC 15 are
shown as examples.

1-4 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 1: Chargeback Reduction Service Reports Sample(s)

1.2.1.6 CBRMR102 Sample(s)


The following page shows the CBRMR102–A Report samples.

CBRMR102–A: Chargeback Performance Analysis–Audit (Issuer Perspective) Report


Samples

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-5


Sample(s) Chapter 1: Chargeback Reduction Service Reports

REPORT ID: CBRMR102-A VISANET REPORTING RUN DATE: 9/01/95


PERFORMANCE ANALYSIS PAGE: 14
REGION: USA TRANSACTION CODE: 52
CENTER: 4XXXX8 ISSUER PERSPECTIVE
BIN: 4XXXX8 FOR THE MONTH OF SEPTEMBER 1995

REASON USAGE CODE 1 USAGE CODE 2


CODE DESCRIPTIONS COUNT AMOUNT COUNT AMOUNT TOTAL COUNT TOTAL AMOUNT
================================ ======= ======== ======= ======== ============ ============
30 DISPUTE/REQUEST DRAFT/FASCIM
TOTAL ACCEPTED 2 0.00 0 0.00 2 0.00
TOTAL RETURNED 1 0.00 0 0.00 1 0.00
MEMBER PERCENT 33.3 0.0 0.0 0.0 33.3 0.0
VISA PERCENT 0.3 0.0 0.0 0.0 0.3 0.0
RETURNED RECORD SUMMARY:
S45 INVALID PURCHASE DATE - C 1 0.00 0 0.00 1 0.00

TOTAL FOR TRANSACTION 52


ACCEPTED 2 0.00 0 0.00 2 0.00
RETURNED 1 0.00 0 0.00 1 0.00
MEMBER PERCENT 33.3 0.0 0.0 0.0 33.3 0.0
VISA PERCENT 0.7 0.0 0.0 0.0 0.7 0.0

1-6 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 1: Chargeback Reduction Service Reports Sample(s)

REPORT ID: CBRMR102-A VISANET REPORTING RUN DATE: 9/01/95


PERFORMANCE ANALYSIS PAGE: 15
REGION: USA TRANSACTION CODE: 15
CENTER: 4XXXX8 ISSUER PERSPECTIVE
BIN: 4XXXX3 FOR THE MONTH OF SEPTEMBER 1995
REASON USAGE CODE 1 USAGE CODE 2
CODE DESCRIPTIONS COUNT AMOUNT COUNT AMOUNT TOTAL COUNT TOTAL AMOUNT
=================================== ======= ======== ======= ======== ============= ==============
77 NON-MATCHING ACCOUNT NUMBER
TOTAL ACCEPTED 1 20.33 0 0.00 1 20.33
TOTAL RETURNED 1 20.33 0 0.00 1 20.33
MEMBER PERCENT 50.0 50.0 0.0 0.0 50.0 50.0
VISA PERCENT 37.4 33.5 0.1 1.0 36.2 32.2
RETURNED RECORD SUMMARY:
S16 INVALID ACQUIRER BUSINESS 1 20.33 0 0.00 1 20.33
S50 INVALID SPECIAL CHARGEBAC 1 20.33 0 0.00 1 20.33
TOTAL FOR TRANSACTION 15
ACCEPTED 1 20.33 0 0.00 1 20.33
RETURNED 1 20.33 0 0.00 1 20.33
MEMBER PERCENT 50.0 50.0 0.0 0.0 50.0 50.0
VISA PERCENT 5.7 2.5 0.2 0.1 4.9 2.1

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-7


Sample(s) Chapter 1: Chargeback Reduction Service Reports

CBRMR102–A: Field Descriptions

The following tables shows the field names and the contents of each field for
CBRMR102–A.

Table 1-1 CBRMR102–A—Chargeback Performance Analysis–Audit (Issuer Perspective)

Field Name Contents


REASON CODE and These fields contain the reason code and their descriptions.
DESCRIPTIONS
USAGE CODE 1 This field contains the count and amount of transactions (original) submitted once.
USAGE CODE 2 This field contains the count and amount of transactions (re-presentment) submitted twice.
TOTAL COUNT This field contains the total number of transactions submitted.
TOTAL AMOUNT This field contains the total U.S. dollar amount of transactions submitted.
TOTAL FOR TRANSACTION This field contains the total count and amount for the transaction code.

CBRMR102–B: Chargeback Performance Analysis–Audit (Acquirer Perspective)

The CBRMR102–B Report summarizes the count and amount of accepted (delivered) and
returned (intercepted) exception item transactions for each center and BIN by transaction
code, reason code, usage code, and return reason code. The reason codes for TC 05
are shown as examples on the following pages. The data element descriptions are the
same as those for CBRMR102–A. Refer to “CBRMR102–A: Data Element Descriptions” for
their descriptions.

CBRMR102–B: Chargeback Performance Analysis–Audit (Acquirer Perspective)


Report Samples

1-8 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 1: Chargeback Reduction Service Reports Sample(s)

REPORT ID: CBRMR102-B VISANET REPORTING RUN DATE: 9/01/95


PERFORMANCE ANALYSIS PAGE: 541
REGION: USA TRANSACTION CODE: 05
CENTER: 4XXXX0 ACQUIRER PERSPECTIVE
BIN: 4XXXX0 FOR THE MONTH OF SEPTEMBER 1995
REASON USAGE CODE 1 USAGE CODE 2
CODE DESCRIPTIONS COUNT AMOUNT COUNT AMOUNT TOTAL COUNT TOTAL AMOUNT
=========================== ========= ========== ========= ========== =============== ============
20 NO AUTHORIZATION
TOTAL DELIVERED 0 0.00 7 2,226.48 7 2,226.48
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
22 EXPIRED CARD
TOTAL DELIVERED 0 0.00 1 43.19 1 43.19
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
23 INVALID TRANSACTION
TOTAL DELIVERED 0 0.00 1 43.19 1 43.19
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
24 MERCHANT SERVICE ERROR
TOTAL DELIVERED 0 0.00 1 43.19 1 43.19
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
25 PROCESSING ERROR
TOTAL DELIVERED 0 0.00 1 1,135.68 1 1,135.68
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.00 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.00 3.0 3.0 3.0 3.0
26 COPY FULFILLMENT
TOTAL DELIVERED 0 0.00 1 1,153.70 1 1,153.70
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.00 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.00 3.0 3.0 3.0 3.0

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-9


Sample(s) Chapter 1: Chargeback Reduction Service Reports

REPORT ID: CBRMR102-B VISANET REPORTING RUN DATE: 9/01/95


PERFORMANCE ANALYSIS PAGE: 542
REGION: USA TRANSACTION CODE: 05
CENTER: 4XXXX0 ACQUIRER PERSPECTIVE
BIN: 4XXXX0 FOR THE MONTH OF SEPTEMBER 1995
REASON USAGE CODE 1 USAGE CODE 2
CODE DESCRIPTIONS COUNT AMOUNT COUNT AMOUNT TOTAL COUNT TOTAL AMOUNT
=========================== ========= ========== ========= ========== =============== ============
30 SERVICES NOT RENDERED
TOTAL DELIVERED 0 0.00 7 X,XXX.XX 7 X,XXX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.X
36 INCORRECT ACCOUNT NUMBER
TOTAL DELIVERED 0 0.00 1 XX.XX 1 XX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
41 CANCELLED RECURRING TRANS.
TOTAL DELIVERED 0 0.00 1 XX.XX 1 XX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
47 UNAUTH TRANS EXCEEDS FLR LMT
TOTAL DELIVERED 0 0.00 1 XX.XX 1 XX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
51 INCORRECT TRANSACTION AMOUNT
TOTAL DELIVERED 0 0.00 1 X,XXX.XX 1 X,XXX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.00 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.00 3.0 3.0 3.0 3.0
52 M/O T/O EXPIRED/NVR ISSD
TOTAL DELIVERED 0 0.00 1 X,XXX.XX 1 X,XXX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.00 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.00 3.0 3.0 3.0 3.0

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Chapter 1: Chargeback Reduction Service Reports Sample(s)

REPORT ID: CBRMR102-B VISANET REPORTING RUN DATE: 9/01/95


PERFORMANCE ANALYSIS PAGE: 543
REGION: USA TRANSACTION CODE: 05
CENTER: 4XXXX0 ACQUIRER PERSPECTIVE
BIN: 4XXXX0 FOR THE MONTH OF SEPTEMBER 1995
REASON USAGE CODE 1 USAGE CODE 2
CODE DESCRIPTIONS COUNT AMOUNT COUNT AMOUNT TOTAL COUNT TOTAL AMOUNT
=========================== ========= ========== ========= ========== =============== ============
53 NOT AS DESCRIBED
TOTAL DELIVERED 0 0.00 7 X,XXX.XX 7 X,XXX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.X
54 CLAIM OR DEFENSE
TOTAL DELIVERED 0 0.00 1 XX.XX 1 XX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
56 DEFECTIVE MERCHANDISE
TOTAL DELIVERED 0 0.00 1 XX.XX 1 XX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
57 UNAUTH MULTIPLE TRANSACTIONS
TOTAL DELIVERED 0 0.00 1 XX.XX 1 XX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
60 REQUESTED ITEM ILLEGIBLE
TOTAL DELIVERED 0 0.00 1 X,XXX.XX 1 X,XXX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.00 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.00 3.0 3.0 3.0 3.0
61 UNAUTHORIZED PURCHASER
TOTAL DELIVERED 0 0.00 1 X,XXX.XX 1 X,XXX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.00 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.00 3.0 3.0 3.0 3.0

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-11


Sample(s) Chapter 1: Chargeback Reduction Service Reports

REPORT ID: CBRMR102-B VISANET REPORTING RUN DATE: 9/01/95


PERFORMANCE ANALYSIS PAGE: 544
REGION: USA TRANSACTION CODE: 05
CENTER: 4XXXX0 ACQUIRER PERSPECTIVE
BIN: 4XXXX0 FOR THE MONTH OF SEPTEMBER 1995
REASON USAGE CODE 1 USAGE CODE 2
CODE DESCRIPTIONS COUNT AMOUNT COUNT AMOUNT TOTAL COUNT TOTAL AMOUNT
=========================== ========= ========== ========= ========== =============== ============
62 COUNTERFEIT TRANSACTION
TOTAL DELIVERED 0 0.00 7 X,XXX.XX 7 X,XXX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.X
71 DECLINED AUTHORIZATION
TOTAL DELIVERED 0 0.00 1 XX.XX 1 XX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
72 TRANSACTION EXCEEDS FLR LMT
TOTAL DELIVERED 0 0.00 1 XX.XX 1 XX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
73 EXPIRED CARD
TOTAL DELIVERED 0 0.00 1 XX.XX 1 XX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
74 LATE PRESENTATION
TOTAL DELIVERED 0 0.00 1 X,XXX.XX 1 X,XXX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.00 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.00 3.0 3.0 3.0 3.0
INTERCEPTED RECORD SUMMARY:
S02 INVALID REIMBURSEMENT ATT 0 0.00 1 X,XXX.XX 1 X,XXX.XX
T08 INVALID CHARGEBACK REFERE 0 0.00 0 0.00 0 0.00

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Chapter 1: Chargeback Reduction Service Reports Sample(s)

REPORT ID: CBRMR102-B VISANET REPORTING RUN DATE: 9/01/95


PERFORMANCE ANALYSIS PAGE: 545
REGION: USA TRANSACTION CODE: 05
CENTER: 4XXXX0 ACQUIRER PERSPECTIVE
BIN: 4XXXX0 FOR THE MONTH OF SEPTEMBER 1995
REASON USAGE CODE 1 USAGE CODE 2
CODE DESCRIPTIONS COUNT AMOUNT COUNT AMOUNT TOTAL COUNT TOTAL AMOUNT
=========================== ========= ========== ========= ========== =============== ============
75 INADEQUATE MESSAGE CONTENT
TOTAL DELIVERED 0 0.00 7 X,XXX.XX 7 X,XXX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.X
77 NON-MATCHING ACCOUNT NUMBER
TOTAL DELIVERED 0 0.00 1 XX.XX 1 XX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
79 NON RECEIPT OF REQUESTED ITEM
TOTAL DELIVERED 0 0.00 1 XX.XX 1 XX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
81 NO PERMIT
TOTAL DELIVERED 0 0.00 1 XX.XX 1 XX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
82 DUPLICATE PROCESSING
TOTAL DELIVERED 0 0.00 1 X,XXX.XX 1 X,XXX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.00 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.00 3.0 3.0 3.0 3.0

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-13


Sample(s) Chapter 1: Chargeback Reduction Service Reports

REPORT ID: CBRMR102-B VISANET REPORTING RUN DATE: 9/01/95


PERFORMANCE ANALYSIS PAGE: 546
REGION: USA TRANSACTION CODE: 05
CENTER: 4XXXX0 ACQUIRER PERSPECTIVE
BIN: 4XXXX0 FOR THE MONTH OF SEPTEMBER 1995
REASON USAGE CODE 1 USAGE CODE 2
CODE DESCRIPTIONS COUNT AMOUNT COUNT AMOUNT TOTAL COUNT TOTAL AMOUNT
=========================== ========= ========== ========= ========== =============== ============
84 NO SIGNATURE
TOTAL DELIVERED 0 0.00 7 X,XXX.XX 7 X,XXX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.X
85 CREDIT NOT PROCESSED
TOTAL DELIVERED 0 0.00 1 XX.XX 1 XX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
90 NON RECEIPT OF MERCHANDISE
TOTAL DELIVERED 0 0.00 1 XX.XX 1 XX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
93 QUESTIONABLE MERCHNT ACTIVTY
TOTAL DELIVERED 0 0.00 1 XX.XX 1 XX.XX
TOTAL INTERCEPTED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.7 0.4 0.7 0.4
TOTAL FOR TRANSACTION 05
DELIVERED 0 0.00 1 XX,XXX.XX 412 XX,XXX.XX
INTERCEPTED 0 0.00 0 50.00 0 0.00
MEMBER PERCENT 0.0 0.00 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.00 3.0 3.0 3.0 3.0

1-14 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 1: Chargeback Reduction Service Reports CBRMR201–A: Chargeback Reduction Service Detail Report Samples

1.3 CBRMR201–A: Chargeback Reduction Service Detail Report


Samples
The following pages contain Chargeback Reduction Service Detail Report samples.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-15


Sample(s) Chapter 1: Chargeback Reduction Service Reports

1.3.1 CBRMR201–A—Chargeback Reduction Service Detail


1.3.1.1 CBRMR201–A Purpose
From an acquirer perspective, this report provides accumulated count and amount totals
for selected chargeback transactions by BIN processed for each VIC.

1.3.1.2 CBRMR201–A Frequency


Provided on a monthly basis.

1.3.1.3 CBRMR201–A Sort Sequence


BIN, transaction code, and reason code.

1.3.1.4 CBRMR201–A Reconciliation Process


Balancing and Reconciliation is not applicable.

1.3.1.5 CBRMR201–A Description


This report contains the count and amount of chargeback transactions delivered and
returned during a processing month by the selected transaction code and reason code
combinations by BIN processed for each VIC.

The selected transaction code combinations include:


• 15–Sales Draft Chargeback
• 17–Cash Disbursement Chargeback
• 35–Sales Chargeback Reversal
• 37–Cash Chargeback Reversal
The selected reason code combinations include:
• 20–No Authorization, T&E
• 28–CRB/Account Verification, T&E
• 47–Unauthorized Transactions, Exceeds Limit
• 70–CRB/No Account Verification
• 72–Transactions Exceeds Limit/MCAS
The count and amount totals are provided by transaction and BIN.
CBRMR201–A: Chargeback Reduction Service Detail

From an acquirer perspective, this report summarizes accumulated count and amount
totals of chargeback transactions delivered and returned by the selected transaction
code and reason code combinations by BIN.

1.3.1.6 CBRMR201–A Sample(s)


The following pages provide samples of the CBRMR201–A Report.

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Chapter 1: Chargeback Reduction Service Reports Sample(s)

REPORT ID: CBRMR201-A VISA CHARGEBACK REDUCTION SERVICE RUN DATE : 06/01/95
BASE CENTRAL OCE ACQUIRER PERSPECTIVE PAGE : 1
CHARGEBACKS RETURNED
BIN 4xxxx5
FOR THE MONTH OF MAY 1995
TRANSACTIONS DELIVERED TRANSACTIONS RETURNED
TO ACQUIRER TO SUBMITTING ISSUER
TRANSACTION REASON CODE & DESCRIPTION COUNT AMOUNT COUNT AMOUNT
----------------------------------------------------------------------------------------------------------------------------------------
15 SALES CHARGEBACK 72 TRANSACTION EXCEEDS FLOOR LIMIT 7 $5,568.97 1 $704.30
OR MAXIMUM MCAS TERMINAL LIMIT
--------- ------------- --------- -------------
TRANSACTION TOTAL 7 $5,568.97 1 $704.30
17 CASH CHARGEBACK 72 TRANSACTION EXCEEDS FLOOR LIMIT 1 $600.00 0 $.00
OR MAXIMUM MCAS TERMINAL LIMIT
--------- ------------- --------- -------------
TRANSACTION TOTAL 1 $600.00 0 $.00
========= ============= ========= =============
TOTAL FOR BIN 8 $6,168.97 1 $704.30

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-17


Sample(s) Chapter 1: Chargeback Reduction Service Reports

REPORT ID: CBRMR201-A VISA CHARGEBACK REDUCTION SERVICE RUN DATE : 06/01/95
BASE CENTRAL OCE ACQUIRER PERSPECTIVE PAGE : 2
CHARGEBACKS RETURNED
BIN 4xxxx5
FOR THE MONTH OF MAY 1995
TRANSACTIONS DELIVERED TRANSACTIONS RETURNED
TO ACQUIRER TO SUBMITTING ISSUER
TRANSACTION REASON CODE & DESCRIPTION COUNT AMOUNT COUNT AMOUNT
15 SALES CHARGEBACK 72 TRANSACTION EXCEEDS FLOOR LIMIT 1 $68.81 0 $.00
OR MAXIMUM MCAS TERMINAL LIMIT
--------- ------------- --------- -------------
TRANSACTION TOTAL 1 $68.81 0 $.00
========= ============= ========= =============
TOTAL FOR BIN 1 $68.81 0 $.00

1-18 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 1: Chargeback Reduction Service Reports CBRMR202: Chargeback Performance Analysis—Management Report Samples

CBRMR201–A: Field Descriptions

The following tables shows the field names and the contents of each field for
CBRMR201–A.

Table 1-2 CBRMR201–A Field Descriptions

Field Name Contents


TRANSACTION This field contains the transaction code and description.
REASON CODE & These fields contain the reason code and their descriptions.
DESCRIPTION
TRANSACTIONS DELIVERED This field contains the number of chargeback transactions delivered to the acquirer from the issuer.
TO ACQUIRER
TRANSACTIONS RETURNED This field contains the number of chargeback transactions returned to the issuer.
TO SUBMITTING ISSUER
TOTAL FOR BIN This field contains the total delivered and returned transactions by BIN.

1.4 CBRMR202: Chargeback Performance


Analysis—Management Report Samples
The following pages contain Chargeback Performance Analysis—Management Report
samples.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-19


Description Chapter 1: Chargeback Reduction Service Reports

1.4.1 CBRMR202—Chargeback Performance Analysis–Management


1.4.1.1 CBRMR202 Purpose
From an issuer and acquirer perspective, these reports provide an analysis of returned
versus processed exception item transactions for each center and BIN.

1.4.1.2 CBRMR202 Frequency


Provided on a monthly basis.

1.4.1.3 CBRMR202 Sort Sequence


Destination region, center, BIN, transaction code, reason code, and usage code.

1.4.1.4 CBRMR202 Reconciliation Process


Balancing and reconciliation is not applicable.

1.4.1.5 CBRMR202 Description


The CBRMR202 Report comprises:
• CBRMR202–A Report—From an issuer perspective, this report summarizes the count and
amount of accepted (delivered) and returned (intercepted) exception item transactions
for each center and BIN by transaction code, reason code, and usage code for the
processing month. The percentages of returned transactions to total processed
transactions are included for each center and BIN for each transaction code, reason
code, and usage code entry. Also, a processing center summary is included on the
report. The exception item transactions are:
- TC 05–Sales Draft
- TC 06–Credit Voucher
- TC 07–Cash Disbursement
- TC 25–Sales Draft Reversal
- TC 26–Credit Voucher Reversal
- TC 27–Cash Disbursement Reversal
- TC 38–Request for Copy (RFC)—Nonfulfillment

1-20 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 1: Chargeback Reduction Service Reports Sample(s)

• CBRMR202–B Report—From an acquirer perspective, this report summarizes the count


and amount of accepted and returned exception item transactions for each center
and BIN by transaction code, reason code, and usage code for the processing month.
The percentages of returned transactions to total processed transactions are included
for each center and BIN for each transaction code, reason code, and usage code
entry. Also, a processing center summary is included on the report. The exception
item transactions are:
- TC 15–Sales Draft Chargeback
- TC 16–Credit Voucher Chargeback
- TC 17–Cash Disbursement Chargeback
- TC 35–Sales Chargeback Reversal
- TC 36–Credit Chargeback Reversal
- TC 37–Cash Chargeback Reversal
- TC 51–Request for Copy—Original
- TC 52–Request for Copy—Photocopy
Chargeback Performance Analysis-Management (Issuer Perspective)

The CBRMR202–A Report contains the count and amount of accepted (delivered) and
returned (intercepted) exception item transactions for each center and BIN by transaction
code, reason code, and usage code.

The reason codes for both TC 05 and TC 25 are shown as examples. A processing center
summary report is also shown as an example.

1.4.1.6 CBRMR202 Sample(s)


The following pages show the CBRMR202-A Report sample.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-21


Sample(s) Chapter 1: Chargeback Reduction Service Reports

REPORT ID: CBRMR202-A VISANET REPORTING RUN DATE: 9/02/95


PERFORMANCE ANALYSIS PAGE: 500
REGION: L/A TRANSACTION CODE: 05
CENTER: 4XXXX9 ISSUER PERSPECTIVE
BIN: 4XXXX9 FOR THE MONTH OF SEPTEMBER 1995
REASON USAGE CODE 1 USAGE CODE 2
CODE DESCRIPTIONS COUNT AMOUNT COUNT AMOUNT TOTAL COUNT TOTAL AMOUNT
===================== ===== ====== ===== ====== =========== ============
00 FIRST PRESENTATION
TOTAL DELIVERED X.XX X.XX X.XX X.XX XXX.XX XXX.XX
TOTAL INTERCEPTED X.XX X.XX X.XX X.XX XXX.XX XXX.XX
MEMBER PERCENT X.XX X.XX X.XX X.XX XXX.XX XXX.XX
VISA PERCENT X.XX X.XX X.XX X.XX XXX.XX XXX.XX
TOTAL FOR TRANSACTION 05
DELIVERED X.XX X.XX X.XX X.XX XXX.XX XXX.XX
INTERCEPTED X.XX X.XX X.XX X.XX XXX.XX XXX.XX
MEMBER PERCENT X.XX X.XX X.XX X.XX XXX.XX XXX.XX
VISA PERCENT X.XX X.XX X.XX X.XX XXX.XX XXX.XX

1-22 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 1: Chargeback Reduction Service Reports Sample(s)

REPORT ID: CBRMR202-A VISANET REPORTING RUN DATE: 9/02/95


PERFORMANCE ANALYSIS PAGE: 501
REGION: L/A TRANSACTION CODE: 05
CENTER: 4XXXX9 ISSUER PERSPECTIVE
BIN: 4XXXX9 FOR THE MONTH OF SEPTEMBER 1995
REASON USAGE CODE 1 USAGE CODE 2
CODE DESCRIPTIONS COUNT AMOUNT COUNT AMOUNT TOTAL COUNT TOTAL AMOUNT
===================== ===== ====== ===== ====== =========== ============
00 FIRST PRESENTATION
TOTAL DELIVERED X.XX X.XX X.XX X.XX XXX.XX XXX.XX
TOTAL INTERCEPTED X.XX X.XX X.XX X.XX XXX.XX XXX.XX
MEMBER PERCENT X.XX X.XX X.XX X.XX XXX.XX XXX.XX
VISA PERCENT X.XX X.XX X.XX X.XX XXX.XX XXX.XX
TOTAL FOR TRANSACTION 25
DELIVERED X.XX X.XX X.XX X.XX XXX.XX XXX.XX
INTERCEPTED X.XX X.XX X.XX X.XX XXX.XX XXX.XX
MEMBER PERCENT X.XX X.XX X.XX X.XX XXX.XX XXX.XX
VISA PERCENT X.XX X.XX X.XX X.XX XXX.XX XXX.XX

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-23


Sample(s) Chapter 1: Chargeback Reduction Service Reports

REPORT ID: CBRMR202-A VISANET REPORTING RUN DATE: 9/02/95


PERFORMANCE ANALYSIS PAGE: 502
REGION: L/A TRANSACTION CODE: 05
CENTER: 4XXXX9 ISSUER PERSPECTIVE
BIN: 4XXXX9 FOR THE MONTH OF SEPTEMBER 1995
REASON USAGE CODE 1 USAGE CODE 2
CODE DESCRIPTIONS COUNT AMOUNT COUNT AMOUNT TOTAL COUNT TOTAL AMOUNT
===================== ===== ====== ===== ====== =========== ============
00 SALES DRAFT
DELIVERED X.XX X.XX X.XX X.XX XXX.XX XXX.XX
INTERCEPTED X.XX X.XX X.XX X.XX XXX.XX XXX.XX
MEMBER PERCENT X.XX X.XX X.XX X.XX XXX.XX XXX.XX
VISA PERCENT X.XX X.XX X.XX X.XX XXX.XX XXX.XX
25 SALES REVERSAL
DELIVERED X.XX X.XX X.XX X.XX XXX.XX XXX.XX
INTERCEPTED X.XX X.XX X.XX X.XX XXX.XX XXX.XX
MEMBER PERCENT X.XX X.XX X.XX X.XX XXX.XX XXX.XX
VISA PERCENT X.XX X.XX X.XX X.XX XXX.XX XXX.XX

1-24 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 1: Chargeback Reduction Service Reports Sample(s)

CBRMR202–A: Field Descriptions

The following table shows the field names and the contents of each field for CBRMR202–A.

Table 1-3 CBRMR202–A—Chargeback Performance Analysis–Management (Issuer Perspective)

Field Name Contents


REASON CODE and These fields contain the reason codes and their descriptions.
DESCRIPTIONS
USAGE CODE 1 This field contains the count and amount of transactions (original) submitted once.

USAGE CODE 2 This field contains the count and amount of transactions (re-presentment) submitted twice.
TOTAL COUNT This field contains the total number of transactions submitted.
TOTAL AMOUNT This field contains the total U.S. dollar amount of transactions submitted.
TOTAL FOR TRANSACTION This field contains the total count and amount for the transaction code.

CBRMR202–B: Chargeback Performance Analysis–Management (Acquirer Perspective)

The CBRMR202–B Report contains the count and amount of accepted and returned
exception item transactions for each center and BIN by transaction code, reason code,
and usage code. The reason codes for both TC 15 and TC 52 are shown as examples. A
processing center summary report is also shown as an example.

The data elements are the same as those for CBRMR202–A. Refer to “CBRMR202–A: Data
Element Descriptions” for the appropriate descriptions.

The following page show the CBMR202–B Report samples.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-25


Sample(s) Chapter 1: Chargeback Reduction Service Reports

REPORT ID: CBRMR202-B VISANET REPORTING RUN DATE: 9/02/95


PERFORMANCE ANALYSIS PAGE: 157
REGION: USA TRANSACTION CODE: 15
CENTER: 4XXXX2 AQUIRER PERSPECTIVE
BIN: 4XXXX3 FOR THE MONTH OF SEPTEMBER 1995
REASON USAGE CODE 1 USAGE CODE 2
CODE DESCRIPTIONS COUNT AMOUNT COUNT AMOUNT TOTAL COUNT TOTAL AMOUNT
===================== ===== ====== ===== ====== =========== ============
16 COPY FULFILLMENT
TOTAL ACCEPTED 1 85.55 0 0.00 1 85.55
TOTAL RETURNED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
TOTAL FOR TRANSACTION 15
ACCEPTED 1 85.55 0 0.00 1 85.55
RETURNED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 5.7 2.5 0.2 0.1 4.9 2.1

1-26 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 1: Chargeback Reduction Service Reports Sample(s)

REPORT ID: CBRMR202-B VISANET REPORTING RUN DATE: 9/02/95


PERFORMANCE ANALYSIS PAGE: 158
REGION: USA PROCESSING CENTER SUMMARY
CENTER: 4XXXX2 AQUIRER PERSPECTIVE
FOR THE MONTH OF SEPTEMBER 1995
TRANSACTION USAGE CODE 1 USAGE CODE 2
CODE DESCRIPTIONS COUNT AMOUNT COUNT AMOUNT TOTAL COUNT TOTAL AMOUNT
===================== ===== ====== ===== ====== =========== ============
15 SALES CHARGEBACK
ACCEPTED 1 85.55 0 0.00 1 85.55
RETURNED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 5.7 2.5 0.2 0.1 4.9 2.1

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-27


Sample(s) Chapter 1: Chargeback Reduction Service Reports

REPORT ID: CBRMR202-B VISANET REPORTING RUN DATE: 9/02/95


PERFORMANCE ANALYSIS PAGE: 161
REGION: USA TRANSACTION CODE: 52
CENTER: 4XXXX2 AQUIRER PERSPECTIVE
BIN: 4XXXX3 FOR THE MONTH OF SEPTEMBER 1995
REASON USAGE CODE 1 USAGE CODE 2
CODE DESCRIPTIONS COUNT AMOUNT COUNT AMOUNT TOTAL COUNT TOTAL AMOUNT
===================== ===== ====== ===== ====== =========== ============
28 REQUEST FOR SIGNATURE COPY
TOTAL ACCEPTED 1 0.00 0 0.00 1 0.00
TOTAL RETURNED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.3 0.0 0.0 0.0 0.3 0.0
29 REQUEST FOR VEHICLE LEASE
TOTAL ACCEPTED 1 0.00 0 0.00 1 0.00
TOTAL RETURNED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
30 DISPUTE/REQUEST DRAFT/FASCIM
TOTAL ACCEPTED 14 0.00 0 0.00 14 0.00
TOTAL RETURNED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.3 0.0 0.0 0.0 0.3 0.0
31 CHARGEBACK DOCUMENTATION
TOTAL ACCEPTED 9 0.00 0 0.00 9 0.00
TOTAL RETURNED 0 0.00 0 0.00 0 0.00
MEMBER PERCENT 0.0 0.0 0.0 0.0 0.0 0.0
VISA PERCENT 0.1 0.0 0.0 0.0 0.1 0.0
33 LEGAL PROCESS/FRAUD ANALYSIS
TOTAL ACCEPTED 10 0.00 0 0.00 10 0.00
TOTAL RETURNED 1 0.00 0 0.00 1 0.00
MEMBER PERCENT 9.0 0.0 0.0 0.0 9.0 0.0
VISA PERCENT 1.3 0.0 0.0 0.0 1.3 0.0
TOTAL FOR TRANSACTION 52
ACCEPTED 35 0.00 0 0.00 35 85.55
RETURNED 1 0.00 0 0.00 1 0.00
MEMBER PERCENT 2.7 0.0 0.0 0.0 2.7 0.0
VISA PERCENT 0.7 0.0 0.0 0.0 0.7 0.0

1-28 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 1: Chargeback Reduction Service Reports CBRMR301–A: Chargeback Reduction Returned Draft (Issuer) Detail

1.5 CBRMR301–A: Chargeback Reduction Returned Draft (Issuer)


Detail
The following pages contain Chargeback Reduction Returned Draft (Issuer) Detail Report
samples.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-29


Sample(s) Chapter 1: Chargeback Reduction Service Reports

1.5.1 CBRMR301–A—Chargeback Reduction Returned Draft Detail-Issuer


1.5.1.1 CBRMR301–A Purpose
From an issuer perspective, this report provides accumulated count and amount totals
for returned sales drafts by CRB region for each BIN and center plus a summary report
for each center.

1.5.1.2 CBRMR301–A Frequency


Provided on a monthly basis.

1.5.1.3 CBRMR301–A Sort Sequence


Center, BIN, and transaction code.

1.5.1.4 CBRMR301–A Reconciliation Process


Balancing and Reconciliation is not applicable.

1.5.1.5 CBRMR301–A Description


This report contains the count and amount of sales drafts returned to submitting acquirers
by the CRB region for each BIN and center.

A summary for each center is also created that shows the total count and amount of sales
drafts returned to submitting acquirers by CRB region.

CBRMR301–A: Chargeback Reduction Returned Draft (Issuer) Detail

From an issuer perspective, this report summarizes accumulated count and amount totals
of sales drafts returned to submitting acquirers by CRB region for each BIN and center.

1.5.1.6 CBRMR301–A Sample(s)


The following page shows the CBRMR301–A Report sample.

1-30 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 1: Chargeback Reduction Service Reports Sample(s)

REPORT : CBRMR301–A VISA CHARGEBACK REDUCTION SERVICE RUN DATE : 06/01/95


BASE II DRAFTS RETURNED PAGE : 1
ISSUER PERSPECTIVE
SUMMARY REPORT: BIN 3xxxx5 CENTER 4xxxx8
FOR THE MONTH OF MAY 1995
TRANSACTIONS RETURNED
TO SUBMITTING ACQUIRER
TRANSACTION CRB REGION COUNT AMOUNT
=========== ========== ==========================
05 SALES DRAFT 0 1 $17.00
====== =======
TOTAL FOR BIN 1 $17.00

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-31


Sample(s) Chapter 1: Chargeback Reduction Service Reports

REPORT : CBRMR301–A VISA CHARGEBACK REDUCTION SERVICE RUN DATE : 06/01/95


BASE II DRAFTS RETURNED PAGE : 2
ISSUER PERSPECTIVE
SUMMARY REPORT: BIN 4xxxx1 CENTER 4xxxx8
FOR THE MONTH OF MAY 1995
TRANSACTIONS RETURNED
TO SUBMITTING ACQUIRER
TRANSACTION CRB REGION COUNT AMOUNT
=========== ========== ==========================
05 SALES DRAFT 0 1 $45.92
====== =======
TOTAL FOR BIN 1 $45.92

1-32 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 1: Chargeback Reduction Service Reports Sample(s)

REPORT : CBRMR301–A VISA CHARGEBACK REDUCTION SERVICE RUN DATE : 09/02/95


BASE II DRAFTS RETURNED PAGE : 1476
ISSUER PERSPECTIVE
SUMMARY REPORT: CENTER 4xxxx0
FOR THE MONTH OF MAY 1995
TRANSACTIONS RETURNED
TO SUBMITTING ACQUIRER
TRANSACTION CRB REGION COUNT AMOUNT
=========== ========== ==========================
05 SALES DRAFT 0 5 $99.10
E 14 $543.57
====== =======
TOTAL FOR CENTER 19 $642.67

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-33


CBRMR302–A: Chargeback Reduction Returned Draft (Acquirer) Chapter 1: Chargeback Reduction Service Reports
Detail Report Samples

CBRMR301–A: Field Descriptions

The following table shows the field names and the contents of each field for CBRMR301–A.

Table 1-4 CBRMR301–A—Chargeback Reduction Returned Draft (Issuer) Detail

Field Name Contents


TRANSACTION This field contains the transaction code.
CRB REGION This field contains the regions defined by the CRB system.
TRANSACTIONS RETURNED TO This field contains the count and amount, which are identified in U.S. dollars.
SUBMITTING ACQUIRER
TOTAL FOR BIN This field contains the total count and amount for each BIN.
TOTAL FOR CENTER This field contains the count and amount grand total for each center.

1.6 CBRMR302–A: Chargeback Reduction Returned Draft


(Acquirer) Detail Report Samples
The following pages contain Chargeback Reduction Returned Draft (Acquirer) Detail
Report samples.

1-34 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 1: Chargeback Reduction Service Reports Sample(s)

1.6.1 CBRMR302–A—Chargeback Reduction Returned Draft Detail–Acquirer


1.6.1.1 CBRMR302–A Purpose
From an acquirer perspective, this report provides accumulated count and amount totals
for returned sales drafts by CRB region for each BIN and center plus a summary report
for each center.

1.6.1.2 CBRMR302–A Frequency


Provided on a monthly basis.

1.6.1.3 CBRMR302–A Sort Sequence


Center, BIN, and transaction code.

1.6.1.4 CBRMR302–A Reconciliation Process


Balancing and reconciliation is not applicable.

1.6.1.5 CBRMR302–A Description


This report contains the count and amount of sales drafts returned to submitting acquirers
by the CRB region for each BIN and center.

A summary for each center is also created that shows the total count and amount of sales
drafts returned to submitting acquirers by CRB region.

CBRMR302–A: Chargeback Reduction Returned Draft (Acquirer) Detail

From an acquirer perspective, this report summarizes accumulated count and amount
totals of sales drafts returned to submitting acquirers by CRB region for each BIN and
center.

1.6.1.6 CBRMR302–A Sample(s)


The following pages show the CBRMR302-A Report sample.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-35


Sample(s) Chapter 1: Chargeback Reduction Service Reports

REPORT : CBRMR302-A VISA CHARGEBACK REDUCTION SERVICE RUN DATE : 06/01/95


BASE II DRAFTS RETURNED PAGE : 1
ACQUIRER PERSPECTIVE
SUMMARY REPORT: BIN 4xxxx5 CENTER 4xxxx5
FOR THE MONTH OF MAY 1995
TRANSACTIONS RETURNED
TO SUBMITTING ACQUIRER
TRANSACTION CRB REGION COUNT AMOUNT
=========== ========== ==========================
05 SALES DRAFT 0 1 $140.93
====== =======
TOTAL FOR BIN 1 $140.93

1-36 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 1: Chargeback Reduction Service Reports Sample(s)

REPORT : CBRMR302-A VISA CHARGEBACK REDUCTION SERVICE RUN DATE : 06/01/95


BASE II DRAFTS RETURNED PAGE : 1
ACQUIRER PERSPECTIVE
SUMMARY REPORT: CENTER 4xxxx5
FOR THE MONTH OF MAY 1995
TRANSACTIONS RETURNED
TO SUBMITTING ACQUIRER
TRANSACTION CRB REGION COUNT AMOUNT
=========== ========== ==========================
05 SALES DRAFT 0 1 $140.93
====== =======
TOTAL FOR BIN 1 $140.93

14 Apr 2018 Visa Confidential BASE II Clearing Reports 1-37


Sample(s) Chapter 1: Chargeback Reduction Service Reports

CBRMR302–A: Field Descriptions

The following table shows the field names and the contents of each field for CBRMR302–A.

Table 1-5 CBRMR302–A—Chargeback Reduction Returned Draft (Acquirer) Detail

Field Name Contents


TRANSACTION This field contains the transaction code.
CRB REGION This field contains the regions defined by the CRB system.
TRANSACTIONS RETURNED TO SUBMITTING This field contains the count and amount, which are identified in U.S. dollars.
ACQUIRER
TOTAL FOR BIN This field contains the total count and amount for each BIN.
TOTAL FOR CENTER This field contains the count and amount grand total for each center.

1-38 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Financial Controls 2
Introduction to Financial Controls. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-3

Audit and Control Considerations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-3


Backlog Controls. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-3
Suspense Controls. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-3
Chargeback and Re-Presentment Controls. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-3
Returned Item Controls. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-4
Accounting for Settlement and BASE II-Related Fees and Charges. . . . . . . . . . . . . . . . . . . . . . . . .2-4

Interchange Controls. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-4


Outgoing Interchange Control. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-5
Data Entry. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-6
Computer Data Edit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-6
Control of Rejected Transactions Through Suspense Accounts. . . . . . . . . . . . . .. . . . . . . . . . . . . .2-6
Controls for Currency Conversions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-8
Transmission to the VIC. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-8
Incoming Interchange Controls. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-8
Computer Data Edit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-8
Post-Edit Processing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-9
Settlement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-11

Settlement Schedule. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-13

Report Reconciliation and Balancing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-14


Verifying Interchange Fees and BASE II Charges. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-17
Verifying International Service Assessment (ISA) Fees. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-17
Verifying International Outgoing Interchange (IOI) Fees. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-18

14 Apr 2018 Visa Confidential BASE II Clearing Reports 2-1


Chapter 2: Financial Controls

THIS PAGE INTENTIONALLY LEFT BLANK.

2-2 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Financial Controls 2

2.1 Introduction to Financial Controls


This chapter helps processing centers create financial controls for monitoring BASE II
transaction processing and reporting accuracy. It includes guidelines for establishing
financial controls to verify BASE II accounting, settlement, and reconciliation functions,
and suggested procedures for balancing worksheets.

2.2 Audit and Control Considerations


The following should be considered when developing BASE II System controls for the
processing center's general ledger control system:

2.2.1 Backlog Controls


BASE II data capture requirements call for creating control points to prevent large and
costly backlogs of unprocessed transactions. These controls may be applied in parallel
with, or added to, controls for non-interchange transactions.

2.2.2 Suspense Controls


BASE II edit requirements call for creating control points to monitor transactions that
have been rejected either by the processing center's editing programs or by the Edit
Package and are now held in suspense. These transactions must be researched and
then reentered into the system.

2.2.3 Chargeback and Re-Presentment Controls


Chargebacks and re-presentments must be transmitted through the BASE II System
in accordance with the Visa Core Rules and Visa Product and Service Rules and the
Operating Regulations of the six Visa regions. The processing center must develop a

14 Apr 2018 Visa Confidential BASE II Clearing Reports 2-3


Interchange Controls Chapter 2: Financial Controls

control system for handling these required items. Items not processed by the BASE II
System also require controls; depending on each center's requirements, the controls may
or may not be set up as a separate system.

2.2.4 Returned Item Controls


The VIC returns transactions containing errors that prevent settlement to the originating
processing center. The BASE II System returns any transactions failing format and edit
requirements. All acceptable batch transactions are processed, and erroneous transactions
are returned in the incoming Interchange Transaction File (ITF). Special transaction codes
(TC 01, 02, 03) are used to identify returned transactions; they are printed on EP–204 and
EP–206 reports. Returned transactions must be corrected and resubmitted.

2.2.5 Accounting for Settlement and BASE II-Related Fees and Charges
The following BASE II reports contain the source information necessary to calculate the
settlement amount. They contain records of transaction fees, BASE II charges, transactions
sent, and transactions received.
• Settlement Summary Report (VSS–110)
• Interchange Value Report (VSS–120)
• Reimbursement Fees Report (VSS–130)
• Visa Charges Report (VSS–140)
• Currency Conversion Fees Report(VSS–210)
• Reconciliation Report (VSS–900)

2.3 Interchange Controls


This section discusses general ledger and accounting controls from the proof and capture
operation to the point that incoming interchange is ready for cardholder posting.
Figure 2-1 illustrates the financial control points within the overall operation of the BASE II
System at the processing center.

Six major processing points require controls: three for outgoing transactions and three for
incoming. These six processing points are illustrated in Figure 2-1.

2-4 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 2: Financial Controls Interchange Controls

Figure 2-1 Financial Control PointsCenter

2.3.1 Outgoing Interchange Control


As shown in Figure 2-1, the outgoing interchange operation consists of the following
major points at which balancing and reconciliation controls should be established:
• Data entry
• Computer data edit
• Transmission (or transport of magnetic tape) to the VIC
Controls might also be established between the pre-edit system and the Edit Package,
unless their functions have been combined. General ledger controls at each of these three
points are discussed in the following sections, along with special control considerations.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 2-5


Interchange Controls Chapter 2: Financial Controls

2.3.1.1 Data Entry


Monetary transactions are received in the data entry (or proof and capture) department.
At this point, these transactions are under general ledger control in an account such
as “Purchased, Not Captured.” At a cutoff time prearranged by the processing center,
these batches are proofed and captured, and then submitted for edit processing. Any
transactions not processed (the backlog) are left in the “Not Captured” account.

When setting up controls for backlog accounts, the following considerations are important:
• The balance in the backlog account is a measure of the size of the processing center's
file of transactions that have not been processed. The size of this account should be
constantly monitored because an upward trend may indicate operational problems.
• The processing center data capture department should always be able to account for
batches comprising the total amount in the account.
• A rise in uncaptured transactions usually indicates a problem. Transactions found
unsuitable for pre-edit and subsequent Edit Package processing should be handled
promptly.

2.3.1.2 Computer Data Edit


After the transactions have been proofed and captured at the processing center, they
must be edited to identify errors. Most processing centers use two computer-based
editing programs for this task:
• Center-written, pre-edit program
This program applies the processing center's own edit criteria against the transactions
and separates on-us transactions from interchange transactions.
• Visa-supplied Edit Package
The Edit Package applies standard edit criteria against each transaction and reformats
the transactions to prepare them for clearing and settlement processing.

2.3.1.3 Control of Rejected Transactions Through Suspense Accounts


Monitoring rejected transactions by error code can help locate and correct problems. One
general ledger suspense account may be used to control all edit rejects, but using two
or more separate suspense accounts provides more effective problem monitoring and
control. Useful accounts might include:

2-6 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 2: Financial Controls Interchange Controls

• On-Us Suspense
This account contains rejected on-us transactions. Sources for these transactions can
either be merchants' deposits or incoming interchange.
• Interchange Suspense
This account contains all rejected transactions that ultimately must be sent with
outgoing interchange data. Entries are made from both pre-edit program reject totals
and Edit Package reject totals.
Alternatively, two interchange suspense accounts could be maintained: one for pre-edit
program rejects and one for Edit Package rejects.
There are four important considerations for controlling suspense accounts.
1. Balancing and Reconciliation—Whether the processing center is using a manual or an
automated suspense system, it must provide auditors with details of transactions
comprising suspense account totals. Initially, a manual system should regularly be
balanced to the general ledger.
2. Aging—Items in the suspense account should be aged every week. Reports should
show the number of transactions and transaction amounts that are:
- Current (one day old)
- Two days old
- Three to five days old
- Five to 10 days old
- 10 to 30 days old
- Over 30 days old
If the processing center uses an automated suspense system, this aging data can
be one of its by-products. The data should be reviewed by supervisory personnel
because it can be a useful measure of the efficiency of transaction re-entry
procedures.
3. Follow-Up Procedures—Where appropriate, each center should monitor and redefine
its follow-up procedures on questionable transactions. For example, center personnel
must define the conditions when a merchant's deposit is to be charged back to the
merchant's account instead of being carried in suspense. The length of time a deposit
can be held in suspense should also be clearly defined and monitored.
4. Reentry of Suspense Items—Resolved suspense transactions should be reentered into
the processing system as quickly as possible. Each processing center should determine
the most logical point of re-entry.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 2-7


Interchange Controls Chapter 2: Financial Controls

2.3.1.4 Controls for Currency Conversions


Because Visa selects and applies currency conversion rates, processing center personnel
may choose to compare pre-edit transaction amount totals (source amounts) to the Edit
Package source amount totals.

2.3.1.5 Transmission to the VIC


When system editing of transactions is successfully completed, the valid transactions are
ready to be forwarded to the VIC. Upon transmission (or mailing), the total outgoing
interchange data should be transferred to a “Clearing Account—Outgoing Interchange”
general ledger account. If a center wants to know the value of this account, separate
accounts should be maintained by currency. If the center receives the currency conversion
rates prior to transmitting outgoing interchange, the rates may be applied to the
transaction amounts. (When tapes are mailed, the balance in this account usually
represents the activity of more than one processing cycle.)

The balance in this account should be closely monitored. It represents a significant


non-earning asset: funds due and not collected. A growing balance may indicate one of
the following conditions:
• Transactions are not being transmitted regularly
• Settlements are not being received from the funds transfer department
• A tape mailing problem exists

2.3.2 Incoming Interchange Controls


As shown in Figure 2-1, the incoming interchange operation consists of three major
points at which controls are needed:
• Computer data edit
• Post-edit processing
• Settlement
This section discusses the controls needed at each point.

The center must decide whether to separate or duplicate controls when both Visa and
non-Visa processing is performed. The following discussion assumes that the controls
are combined, because the BASE II System combines all reporting of cleared and settled
transactions.

2.3.2.1 Computer Data Edit


As the incoming interchange tape is received and edited at the processing center, several
general ledger activities occur. Each requires controls.

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Chapter 2: Financial Controls Interchange Controls

The Settlement Summary Report (Report VSS–110), printed by the Edit Package during the
incoming cycle, is the source of information for settlement. If the net value of interchange
for processing cycle is a credit, funds are transferred to the clearing member's financial
institution. Alternately, if the net amount according to settlement is a debit, the BASE II
settlement bank will request that funds be transferred to its Visa settlement account.
Settlement information should be furnished to those responsible for the reconciliation of
the Federal Reserve account, the mutual correspondent account, or the correspondent
account with the BASE II settlement bank.

Each Reimbursement Fees Report (VSS–130) lists fees, while each Visa Charges Report
(VSS–140) lists charges to be paid and received on interchange transactions. Fees and
charges should be recorded as a part of the entry to record settlement.

Several separate general ledger accounts can be used:


• Net Total Interchange Fees Paid and Received
• Net IOI Fees Paid
• Net Conversion Fees Paid and Received
• Total BASE II Charges
NOTE
Optional Issuer Fees may be maintained in a separate account; however, data are shown on Report VSS–210.

These separate general ledger accounts are helpful for monitoring revenues and expenses,
and for accumulating monthly reporting data.
NOTE
If separate accounting is maintained by BIN at a multi-BIN processing center, separate
Settlement-Reporting-Entities (SRE) reports should be used for each BIN.

2.3.2.2 Post-Edit Processing


After the incoming transactions have been edited by the Edit Package, they are ready
for post-edit processing. The center's post-edit processing or cardholder posting run
should isolate and report chargebacks and re-presentments from other centers, newly
rejected transactions, return item transactions, and valid interchange (including reversals)
for posting to cardholder accounts. Details of post-edit processing are provided by
transaction type.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 2-9


Interchange Controls Chapter 2: Financial Controls

• Chargebacks
Chargebacks should be extracted by the processing center's post-edit program prior
to the billing run and put into a suspense general ledger account. Some centers may
want to use a separate “Chargeback Suspense” account. Chargebacks are either charged
against merchant accounts or resolved with the issuer.
Controls over this account should be the same as those applied to other suspense
accounts:
- regular balancing and reconciliation
- weekly aging
- defined follow-up procedures
- defined re-entry point

2-10 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 2: Financial Controls Interchange Controls

• Re-presentments
The post-edit program should isolate re-presentments prior to the billing run. They
should be placed in the suspense general ledger account. Procedures should be
established to evaluate and process such transactions and to prepare those accepted as
valid for billing to the cardholder.
• Newly Rejected Items
Incoming interchange transactions may be rejected during post-edit processing and/or
during the cardholder posting process (if, for example, a sales draft has a wrong account
number). Items that are rejected at this point should be put into the “On-Us Suspense”
account.
Rejected items in the On-Us suspense account are either corrected and posted to a
cardholder account or researched and charged back to the originating processing center.
Whether or not a separate general ledger account is used, the control considerations
are the same as those for other suspense accounts.
• Returned Items
The BASE II System returns to the originating center those transactions in a batch that
failed to conform to format and edit requirements. All the acceptable transactions in
the batch are settled, and the erroneous transactions are returned to the processing
center in the incoming ITF. Special transaction codes, based on the transaction type of
the original, are used to return the transactions. Each of these transaction codes (01,
02, or 03) makes use of an additional TCR that contains return-related data. These
transaction codes are printed on EP–204 and EP–206 reports.
Controls over returns should include regular balancing and reconciliation, defined
follow-up procedures, and defined point of re-entry.
• Valid Interchange to Post
Valid incoming interchange transactions, including reversals, are part of the processing
center's normal billing process for posting against cardholder accounts. These
transactions are then controlled by the same accounting procedures as those for
on-us drafts.

2.3.2.3 Settlement
Settlement of interchange is part of each BASE II processing cycle. Settlement is made
through a funds transfer system, using the settlement currency of the processing center.
There are two ways to accomplish settlement:

14 Apr 2018 Visa Confidential BASE II Clearing Reports 2-11


Interchange Controls Chapter 2: Financial Controls

1. When the center's net total is a credit, the BASE II settlement bank transfers funds for
the settlement amount to the clearing member's account at the clearing member bank.
2. When the center's net total is a debit, the BASE II settlement bank requests the clearing
member bank to transfer funds for the settlement amount to the Visa settlement
account at the BASE II settlement bank.
Members in a net debit position to Visa (where the amount has not been paid) and
settling in U.S. dollars are assessed through their settlement bank. Under certain
conditions, Visa may assess a late settlement fee. Refer to the Visa Core Rules and
Visa Product and Service Rules and the Operating Regulations of the six Visa regions
for details.
Funds due to Visa are to be transferred on the date requested, after Visa has provided the
settlement amount to the clearing member bank. It is the clearing member's responsibility
to notify the Visa wire transfer supervisor of any delay in delivering a message from the
clearing member bank to the wire transfer area. The clearing member should also notify
the transfer supervisor in advance of any anticipated system shutdown. (This notification
should be made by telephone when no other method is available).

Processing centers are advised of each cycle's net settlement amount by the Settlement
Summary Report (Report VSS–110), the incoming VAP System Log, or incoming VAP
BASE II Log. VIC personnel will also telephone or telex net settlement information if:
• The processing center is a non-U.S. center that is not linked directly to the BASE II
network.
• The ITF was mailed by the VIC to a processing center that usually receives interchange
through VAP transmission.

2-12 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 2: Financial Controls Settlement Schedule

The BASE II settlement cycle is illustrated in Figure 2-2.

Figure 2-2 BASE II Settlement Cycle

2.4 Settlement Schedule


Each processing day, the BASE II System determines the net financial position in the
selected currency for all BASE II settlement entities. The BASE II System handles more than
160 different currencies and settles in 20 settlement currencies. A list of BASE II country
and settlement currencies is located in the BASE II Clearing Data Codes manual.

Individual settlement positions are based on the net financial value of incoming and
outgoing transactions, reimbursement fees, international service assessment fees,
international outgoing interchange fees, and BASE II charges associated with the member's
use of the BASE II System.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 2-13


Report Reconciliation and Balancing Chapter 2: Financial Controls

Currencies are settled on each BASE II Central Processing Date (CPD) except weekends,
U.S. national holidays, and days when the BASE II settlement bank is closed. If the BASE II
CPD falls on any of these days, settlement for that BASE II CPD will occur on the next
day the BASE II settlement bank is open.

A separate transfer of funds is made for each BASE II settlement date. These transfers
must reference the BASE II settlement date. Funds transferred must be collected funds in
the settlement currency of the processing center.

2.5 Report Reconciliation and Balancing


Regular reconciliation and balancing is of utmost importance. This is a critical check to
determine that there are no errors, omissions, or duplications in the interchange data. The
following table shows the outgoing interchange reconciliation.

For more information on the relationships between settlement reports, refer to VisaNet
Settlement Service (VSS) User's Guide, Volume 2, Reports.

Table 2-1 Outgoing and Incoming Interchange Reconciliation Steps

Report Number/Name Reconciling Report Contents to Reconcile Other Reconciling


Reports
EP–100: Validation Exception Report EP–110D Rejected transactions by transaction EP–110B
type for the run.
EP–110C

EP–111C

EP–111D
EP–110B: Outgoing Interchange Batch EP–110D Accepted transactions by batch Rejected EP–110C
Summary transactions by batch or EP–110C.
EP–221B EP–110E
(minus rejected items)
EP–110C: Outgoing Interchange File EP–111C (per currency) Accepted and rejected transactions by EP–110D
Summary (one report per tape) transaction type and category for one
tape.
EP–110D: Outgoing Interchange Run Pre-edit reports Accepted and collected transactions by EP–111D
Summary transaction type for the run.
EP–221D
(except in batch reject and partial file Rejected transactions by transaction
collection) type for the run.

2-14 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 2: Financial Controls Report Reconciliation and Balancing

Table 2-1 Outgoing and Incoming Interchange Reconciliation Steps (continued)

Report Number/Name Reconciling Report Contents to Reconcile Other Reconciling


Reports
EP–110E: Outgoing Interchange EP–110B Accepted batches by EP–120E
Summary financial/nonfinancial counts and
financial amount with total transactions
and gross amount figures.

Accepted files by financial/nonfinancial


counts and amounts on EP–120E.
EP–111C: File Summary by Currency EP–111D Accepted and rejected transactions by EP–110C
Code (one report per tape) transaction type, source currency, and
settlement type for a tape.
EP–111E: Run Summary by Currency VSS–900 series of reports using Sent To Accepted and collected transactions by
Code (one report per currency or Visa by currency transaction type, by source currency
settlement type) and settlement type for the run.
EP–120E: Outgoing ITF Summary by MIP Log Correct file was loaded. EP–110E
Volume
Accepted figures of EP–110E.
EP–204A: Returned Item Report EP–204B Returned transactions per currency for
the same BIN.
EP–204B: Returned Item Summary by EP-204C per currency Returned transactions (per currency on VSS–900 by SRE
BIN EP-204C).
VSS–140 and VSS–900 (by currency and
business mode) VSS–900 transactions flagged as
returned by Currency.
EP–204C: Returned Item Summary by EP–204C Total of returned transactions. EP–206C
Center
VSS–140 and VSS–900 (by currency and EP–211E
business mode) by Summary SRE
EP–230
EP–206A: CRS Returned Item EP–206B CRS returned transactions per currency
for the same BIN.
EP–206B: CRS Returned Item EP-206C Returned transactions. VSS—900 by SRE

VSS–900 Flagged as To CRS or From Returned items flagged as either:


CRS
To CRS

or

From CRS

14 Apr 2018 Visa Confidential BASE II Clearing Reports 2-15


Report Reconciliation and Balancing Chapter 2: Financial Controls

Table 2-1 Outgoing and Incoming Interchange Reconciliation Steps (continued)

Report Number/Name Reconciling Report Contents to Reconcile Other Reconciling


Reports
EP–206C: CRS Returned Item Summary EP-210E Total CRS returned transactions. EP–204C
by Center
VSS–900 Flagged as To CRS or From EP–211E
CRS for a matching summary SRE
EP–230
EP–210B: Incoming Interchange Batch EP–210E Accepted batches by
Summary financial/nonfinancial counts and
EP–210D amount.

Transaction amount and count.


EP–210C: Incoming Interchange File EP–211C Sum of accepted transactions for one EP–210D
Summary tape.
(for same currency)
EP–210D: Incoming Interchange Run EP–211D Sum of accepted transactions for the
Summary cycle.
(for same currency)
EP–210E: Incoming Batch Summary EP–210B Accepted batches by
financial/nonfinancial counts and
financial amounts.
EP–211C: File Summary by Currency EP–211D (for same currency) Sum of accepted transactions for one EP–210C
Code tape.
EP–211D: CPD Summary by Currency EP–211E Sum of accepted transactions for each EP–211C
Code CPD
VSS–900 EP–211E
EP–211E: Run Summary by Currency EP–210E Sum of accepted transactions for the
Code cycle.
VSS–900 series of reports using
Received From Visa by currency.
EP–220: Collected Reconciliation EP–221B Amount and count of batches accepted.
Summary
EP–110B
EP–221B: Collected Batch EP–110B Accepted transactions by batch.
Acknowledgments (minus rejected items)
Returned transactions by batch.

Rejected batches.

2-16 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 2: Financial Controls Report Reconciliation and Balancing

Table 2-1 Outgoing and Incoming Interchange Reconciliation Steps (continued)

Report Number/Name Reconciling Report Contents to Reconcile Other Reconciling


Reports
EP–221D: Collected Batch EP–110D Accepted transactions by transaction
Acknowledgments Summary type for the run.

Returned transactions by transaction


type for the run.
EP–230: Interchange Transaction File EP–210D
Distribution
EP–210E
BASE II–3D: Edit Package Currency Accepted transactions by transaction
Report–Collected Interchange (one type, source currency, and settlement
report per currency) type for the run.

Returned transactions by transaction


type, source currency, and settlement
type for the run.
BASE II–3F: Edit Package Currency Transactions held for next day
Report–Collected Interchange settlement.

2.5.1 Verifying Interchange Fees and BASE II Charges


It is important to verify that interchange fees and BASE II charges have been properly
calculated at the VIC. These fees and charges are computed for each BIN processed by
the VIC. Reimbursement fee and BASE II charge calculations are illustrated on reports
VSS–130 and VSS–140.

Processing centers can write a computer program to replicate the calculations of reports
VSS–130 and VSS–140 by using the count and transaction amounts for each fee level
shown in those reports, as well as using the corresponding fee rates, charge rates, or both.

2.5.2 Verifying International Service Assessment (ISA) Fees


The International Service Assessment (ISA) fee, which replaced the currency conversion
fee, applies to international BASE II and SMS clearing transactions in which the issuer
country is different from the merchant country. (The purchase, credit voucher, or cash
disbursement may originate from any Visa region.)

With ISA, issuers are not assessed fees on purchase, credit voucher, and cash disbursement
original and reversal transactions. However, issuers have the Optional Issuer Fee (OIF)

14 Apr 2018 Visa Confidential BASE II Clearing Reports 2-17


Report Reconciliation and Balancing Chapter 2: Financial Controls

assessed on transactions for which the transaction currency differs from the cardholder
billing currency. Also, if an OIF is defined, the OIF amount is included in the cardholder
billing amount.

ISA rebates are paid to acquirers and regions, where applicable, at the same rate as
the former conversion fee rebates.

2.5.3 Verifying International Outgoing Interchange (IOI) Fees


Some Visa regions assess fees based on outgoing international interchange. These fees
are currently collected quarterly from acquirers of transactions that occur in these regions.

The BASE II System allows IOI fees to be collected daily. Therefore, any regional center that
processes these transactions may want to make a general ledger entry recording payment
of the IOI fees. (As fees are paid daily, a general ledger account should not be required.)
NOTE
The daily collection of IOI fees is performed whether or not foreign exchange is calculated. Refer to the Visa
lnternational Operating Regulations and the Operating Regulations of the six Visa regions for specific details.

2-18 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Centralized Edit Package 3
Alternative Reports
Introduction to Centralized Edit Package Alternative Reports. . . . . . . . . . . . . . . . . . . . . . . .3-3

BII–R200: Visa Returned Item Detail by BIN and CIB Report Samples. . . . . . . . . . . . . . .3-4
BII-R200—Visa Returned Item Detail by BIN and CIB. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-5

BII–R201: Visa Returned Item Summary by BIN and CIB Report Samples. . . . . . . . . .3-8
BII-R201—Visa Returned Item Summary by BIN and CIB. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-9

BII–R202: Visa Returned Item Summary by CIB Report Samples. . . . . . . . . . . . . . . . . . . .3-12


BII-R202—Visa Returned Item Summary by CIB. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-13

BII–R270: Visa Returned Item Detail by BIN and CIB, Chargeback


Reduction Service Report Samples. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-15
BII-R270—Visa Returned Item Detail by BIN and CIB - CRS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-16

BII–R271: Visa Returned Item Summary by BIN and CIB, Chargeback


Reduction Service Report Samples. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-19
BII-R271—Visa Returned Item Summary by BIN and CIB - CRS. . . . . . . . . . . . . . . . . . . . . . . . . . . .3-20

BII–R272: Visa Returned Item Summary by CIB, Chargeback Reduction


Service Report Samples. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-22
BII-R272—Visa Returned Item Summary by CIB. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-23

14 Apr 2018 Visa Confidential BASE II Clearing Reports 3-1


Chapter 3: Centralized Edit Package Alternative Reports

THIS PAGE INTENTIONALLY LEFT BLANK.

3-2 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Centralized Edit Package 3
Alternative Reports

3.1 Introduction to Centralized Edit Package Alternative Reports


VisaNet system capabilities enable some global endpoints to optionally discontinue
operating the Edit Package within their local processing environments. The various Edit
Package processing services, some of which are optional at regional discretion, include:
a. Using some or all of the Centralized Edit Package Alternative, which enables
endpoints to turn off edits.
b. Discontinuing all or part of the current distributed Edit Package software capabilities.
c. Using Centralized Edit Package Alternative services together with the current
distributed Edit Package software.
d. Using just the Edit Package software.
Transaction Reporting Services (TRS) creates the following optional reports and routes
them through the Report Distribution Management System (RDMS)
• BII–R200: Visa Returned Item Detail by BIN and CIB
• BII–R201: Visa Returned Item Summary by BIN and CIB
• BII–R202: Visa Returned Item Summary by CIB
• BII–R270: Visa Returned Item Detail, by BIN and CIB, Chargeback Reduction Service
• BII–R271: Visa Returned Item Summary by BIN and CIB, Chargeback Reduction Service
• BII–R272: Visa Returned Item Summary by CIB, Chargeback Reduction Service
TRS makes the reports accessible through RDMS. The reports can be delivered to BASE II
endpoints (TC 45s) and can also be routed to valid JES2 endpoints. Report delivery to an
Direct Exchange endpoint is also available.

The following pages contain descriptions and samples of the six optional BASE II Returned
Items reports available to members. For each report, there is an explanation of the
differences between the report and the Edit Package report it replaces.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 3-3


BII–R200: Visa Returned Item Detail by BIN and CIB Report Samples Chapter 3: Centralized Edit Package Alternative Reports

Members should refer to the BASE II Clearing Edit Package (Release 4.0) Reports manual
for more information on current Edit Package reports.

3.2 BII–R200: Visa Returned Item Detail by BIN and CIB Report
Samples
The following pages contain Visa Returned Item Detail by BIN and CIB Report samples.

3-4 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 3: Centralized Edit Package Alternative Reports Description

3.2.1 BII-R200—Visa Returned Item Detail by BIN and CIB


3.2.1.1 BII-R200 Purpose
This is an unformatted print of original records.

3.2.1.2 BII-R200 Frequency


Provided on a daily basis.

3.2.1.3 BII-R200 Sort Sequence


BIN, CIB, date, batch, sequence, transaction code, return reason code, currency code,
settlement flag, and source amount.

3.2.1.4 BII-R200 Reconciliation Process


Balancing and reconciliation is not applicable.

3.2.1.5 BII-R200 Description


This report displays records of returned transactions. Specifically displayed is the source
amount of all TCs, along with their return reason, currency code, and settlement flag. The
rollup level for the report is BIN and CIB. This report displays unformatted data. The
extract file for this report is created from the copy of the RSILOG. The TCRs ‘0A', ‘0B' and
‘07' are excluded for the creation of this report. Other criteria for data selection for
this report are as follows:
• Should not be a Recon Transaction (DEST Flag = R).
• Skip records if Transaction Direction = SS and for TCs other than TC = 52, the
Transaction Collected From Flag not equal to E.
• The proprietary flag should not be B.
• Should be a Returned transaction and not returned by the Chargeback Reduction Service.
BII-R200: Visa Returned Item Detail by BIN and CIB

The BII–R200: Visa Returned Item Detail by BIN and CIB report displays records of
returned transactions. The source amount of all TCs is displayed with its return reason,
currency code, and settlement flag. The rollup level for the report is BIN and CIB. This
report displays unformatted data.

Edit Package Report Comparison

Edit Package report EP–204A displays the same data as BII–R200, but each data field is
accompanied by a literal description of the field. Additionally, EP–204A uses BIN as the
high-level sort criteria rather than BIN and CIB.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 3-5


Sample(s) Chapter 3: Centralized Edit Package Alternative Reports

3.2.1.6 BII-R200 Sample(s)


The following page shows the BII–R200 Report samples.

3-6 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 3: Centralized Edit Package Alternative Reports Sample(s)

REPORT NO. BII-R200 VISA RETURNED ITEM REPORT 030402


BASE II DATE 04/02/03 BIN 4xxxx9 PAGE 1
CIB 4xxxx1
UNFORMATTED PRINT OF ORIGINAL RECORDS (---ORIGINAL---) RETURN CUR STL SOURCE
1 2 3 4 5 6 7 8 8 DATE BATCH SEQ TC RSN CDE FLG AMOUNT
1 0 0 0 0 0 0 0 0 4 _____________ _________________________________
0500xxxxxxxxxxxxxxxxxxxZ 2xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx0 03091 1306 0242 05 CD 840 0 10.00
1000840GHLIANCE HOME & AUTO INSUXXX-XX4-XXX4 US XXX090XX9CA A 1XX0E43XXX12 4 9XXX92K
0501 000000 143 4707
1xxxxxxxxx8 0000000000001 A210 123 000000000
0505xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx0 0000 000000001000Yxxx-xxx-xxxx

0506xxxxxxxxxxxxxxxxxxxxxxxxx0 00000
-----------------------------------------------------------------------------------------------------------------------------------
TOTAL RECORDS
RETURN-ITEMS 1

14 Apr 2018 Visa Confidential BASE II Clearing Reports 3-7


BII–R201: Visa Returned Item Summary by BIN and CIB Report Samples Chapter 3: Centralized Edit Package Alternative Reports

BII-R200: Field Descriptions

The following table shows the field names and the contents of each field for BII-R200.

Table 3-1 BII–R200: Visa Returned Item Detail by BIN and CIB

Field Name Contents


DATE Julian date
TC This field displays all transaction codes.
RETURN RSN This field displays the reason code of returned transactions.
CURR CDE This field displays the currency code.
STL FLG This field displays the original settlement flag.
SOURCE AMOUNT This field displays the original source amount.

3.3 BII–R201: Visa Returned Item Summary by BIN and CIB


Report Samples
The following pages contain Visa Returned Item Summary by BIN and CIB Report samples.

3-8 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 3: Centralized Edit Package Alternative Reports Description

3.3.1 BII-R201—Visa Returned Item Summary by BIN and CIB


3.3.1.1 BII-R201 Purpose
This report provides a summary of returned transactions by BIN and CIB.

3.3.1.2 BII-R201 Frequency


Provided on a daily basis.

3.3.1.3 BII-R201 Sort Sequence


BIN, CIB, return reason code, transaction code, transaction code qualifier, transaction
count, and transaction amount.

3.3.1.4 BII-R201 Reconciliation Process


Balancing and Reconciliation is not applicable.

3.3.1.5 BII-R201 Description


This report displays a summary of returned transactions. Specifically displayed are the
return reason code and description, all the TCs, transaction code qualifier, transaction
count, and transaction amount. The rollup level for the report is CIB and BIN. The extract
file for this report is created from the copy of the RSILOG. The TCRs ‘0A', ‘0B' and ‘07'
are excluded for the creation of this report. Other criteria for data selection for this
report are as follows:
• Should not be a Recon Transaction (DEST Flag = R)
• Skip records if Transaction Direction = SS and for TCs other than TC = 52, the
Transaction Collected From Flag not = E.
• The proprietary flag should not be B.
• Should be a Returned transaction and not returned by the Chargeback Reduction
Service.
BII-R201: Visa Returned Item Summary by BIN and CIB

The BII–R201: Visa Returned Item Summary by BIN and CIB report displays a summary of
returned transactions. Specifically displayed are the return reason code and description,
all of the TCs, transaction code qualifier, transaction count, and transaction amount. The
rollup level for the report is CIB and BIN.

Edit Package Report Comparison

Edit Package report EP–204B displays the currency code whereas BII–R201 does not.
BII–R201 displays the transaction code qualifier whereas EP–204B does not. Additionally,
EP–204B uses BIN as the high-level sort criteria rather than BIN and CIB.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 3-9


Sample(s) Chapter 3: Centralized Edit Package Alternative Reports

3.3.1.6 BII-R201 Sample(s)


The following page shows the BII-R201 Report sample.

3-10 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 3: Centralized Edit Package Alternative Reports Sample(s)

REPORT NO. BII-R201 VISA RETURNED ITEM SUMMARY 04/02/03


BASE II DATE 04/01/03 BIN 4xxxx9 PAGE 1
CIB 4xxxx1
RET TRAN TRAN CODE TRAN TRAN
RSN DESCRIPTION CODE QUAL COUNT AMOUNT
--- ----------- ---- ---- ----- ------
CD CARDHOLDER ID METHOD FIELD IS INVALID 05 1 10.00
RETURN ITEMS 1

14 Apr 2018 Visa Confidential BASE II Clearing Reports 3-11


BII–R202: Visa Returned Item Summary by CIB Report Samples Chapter 3: Centralized Edit Package Alternative Reports

BII-R201: Field Descriptions

The following table shows the field names and the contents of each field for BII–R201.

Table 3-2 BII–R201—Daily Summary Report by BIN and CIB

Field Name Contents


RET RSN Displays the reason code of return transactions.
DESCRIPTION These fields contain Returned Reason Descriptions that describe why the transaction is returned.
TRAN CODE This field displays transaction codes. No selection criteria is used.
TRAN CODE QUAL This field displays the transaction code qualifier.
TRAN COUNT This field counts the number of transactions that are returned.
TRAN AMOUNT This field displays the transaction amount.

3.4 BII–R202: Visa Returned Item Summary by CIB Report


Samples
The following pages contain Visa Returned Item Summary by CIB Report samples.

3-12 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 3: Centralized Edit Package Alternative Reports Sample(s)

3.4.1 BII-R202—Visa Returned Item Summary by CIB


3.4.1.1 BII-R202 Purpose
This report provides a summary of returned transactions by CIB.

3.4.1.2 BII-R202 Frequency


Provided on a daily basis.

3.4.1.3 BII-R202 Sort Sequence


CIB, return reason code, transaction code, transaction code qualifier, transaction count,
and transaction amount

3.4.1.4 BII-R202 Reconciliation Process


Balancing and reconciliation is not applicable.

3.4.1.5 BII-R202 Description


This report displays a summary of returned transactions. Specifically displayed are the
return reason code and description, all the TCs, transaction code qualifier, transaction
count, and transaction amount. The rollup level for the report is CIB. The extract file for this
report is created from the copy of the RSILOG. The TCRs ‘0A', ‘0B' and ‘07' are excluded for
the creation of this report. Other criteria for data selection for this report are as follows:
• Should not be a Recon Transaction (DEST Flag = R).
• Skip records if Transaction Direction = SS and for TCs other than TC = 52, the
Transaction Collected From Flag not = E.
• The proprietary flag should not be B.
• Should be a Returned transaction and not returned by the Chargeback Reduction Service.
BII R202: Visa Returned Item Summary by CIB

The BII–R202 Visa Returned Item Summary by CIB displays a summary of returned
transactions by CIB. Specifically displayed are the return reason code and description, all
the TCs, transaction code qualifier, transaction count, and transaction amount.

Edit Package Report Comparison

Edit Package report EP–204C displays the currency code whereas BII–R202 does not.
BII–R202 displays the transaction code qualifier whereas EP–204C does not. Additionally,
EP–204C uses BIN (processing center) as the high-level sort criteria rather than CIB.

3.4.1.6 BII-R202 Sample(s)


The following table shows the BII-R202 Report sample.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 3-13


Sample(s) Chapter 3: Centralized Edit Package Alternative Reports

REPORT NO. BII-R202 VISA RETURNED ITEM SUMMARY 04/02/03


BASE II DATE 04/01/03 CIB 4xxxx1 PAGE 1
RET TRAN TRAN CODE TRAN TRAN
RSN DESCRIPTION CODE QUAL COUNT AMOUNT
--- ----------- ---- ---- ----- ------
CD CARDHOLDER ID METHOD FIELD IS INVALID 05 1 10.00
RETURN ITEMS 1

3-14 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 3: Centralized Edit Package Alternative Reports BII–R270: Visa Returned Item Detail by BIN and CIB, Chargeback
Reduction Service Report Samples

BII-R202: Field Descriptions

The following table shows the field names and the contents of each field for BII–R202.

Table 3-3 BII–R202 Visa Returned Item Summary by CIB

Field Name Contents


RET RSN Displays the reason code of returned transactions.
DESCRIPTION This field displays the returned reason descriptions why the transaction was returned.
TRAN CODE This field displays the transaction codes. No selection criteria is used.
TRAN CODE QUAL This field displays the transaction code qualifier.
TRAN COUNT This field counts the number of transactions that are returned.
TRAN AMOUNT This field displays the transaction amount.

3.5 BII–R270: Visa Returned Item Detail by BIN and CIB,


Chargeback Reduction Service Report Samples
The following pages contain Visa Returned Item Detail by BIN and CIB, Chargeback
Reduction Service Report samples.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 3-15


Description Chapter 3: Centralized Edit Package Alternative Reports

3.5.1 BII-R270—Visa Returned Item Detail by BIN and CIB - CRS


3.5.1.1 BII-R270 Purpose
This report provides a detail of CRS Returned transactions by BIN and CIB.

3.5.1.2 BII-R270 Frequency


Provided on a daily basis.

3.5.1.3 BII-R270 Sort Sequence


BIN, CIB, return reason code, transaction code, transaction code qualifier, reference
number, card number, source amount, source currency code, authorization code, reason
code, usage code, settlement flag.

3.5.1.4 BII-R270 Reconciliation Process


Balancing and reconciliation is not applicable.

3.5.1.5 BII-R270 Description


This report displays a detail of CRS returned transactions. Specifically displayed are the
return reason codes, all the TCs and their TCR information, for example, Source Amount,
Authorization Code, Merchant Name, City, Chargeback Reference number, Card Acceptor
ID, and so forth. The rollup level for the report is BIN and CIB. The extract file for this
report is created from the copy of the RSILOG. The TCRs ‘0A', ‘0B' and ‘07' are excluded for
the creation of this report. Other criteria for data selection for this report are as follows:
• Should not be a Recon Transaction (DEST Flag = R).
• Skip records if Transaction Direction = SS and for TCs other than TC = 52, the
Transaction Collected From Flag not = E.
• The proprietary flag should not be B.
• Should be a Returned transaction and returned by the Chargeback Reduction Service.
BII-270: Visa Returned Item Detail by BIN and CIB, Chargeback Reduction Service

This report displays a detail of Chargeback Reduction Service (CRS) returned transactions.
Specifically displayed are the return reason code, all of the TCs and their TCR information,
for example: Source Amount, Authorization Code, Merchant Name, City, Chargeback
Refererence number, Card Acceptor ID, and so forth.

Edit Package Report Comparison

Edit Package report EP–206A displays the same data as BII–R270 with the data in both
reports accompanied by a literal description of the data field. EP–206A uses BIN as the
high-level sort criteria rather than BIN and CIB.

3-16 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 3: Centralized Edit Package Alternative Reports Sample(s)

3.5.1.6 BII-R270 Sample(s)


The following page shows the BII–R270 Report sample.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 3-17


Sample(s) Chapter 3: Centralized Edit Package Alternative Reports

REPORT NO. BII-R270 VISA RETURNED ITEM REPORT 021217


BASE II DATE 12/16/02 CHARGEBACK REDUCTION SERVICE PAGE 1
BIN 4xxxx3
CIB 4xxxx1
(---ORIGINAL----) RET RET RET RET RET RET RET RET RET RET
DATE BATCH SEQ TC RSN1 RSN2 RSN3 RSN4 RSN5 RSN6 RSN7 RSN8 RSN9 RSN10
02349 1268 0103 05 AD
REFERENCE NUMBER (--CARD NUMBER--EX) SOURCE SRC AUTHO RESN CRS USAGE SETL
TCR DATE AMOUNT CUR CODE CODE FCP CODE FLAG
00 2-xxxxxx-xxxx-xxxxxxxxxxxx 4xxxxxxxxxxxxxxxxx0 12/13 42.00 840 00 DY 1 0
(-------------------MERCHANT-----------------------------) COL POS CRD CNTRL PSI REIM
(----------NAME---------) (----CITY---) STP CNY ZIP TYPE ACQUIRER FLG T E ID DATE ATTR
HAUPPAUGE SPORTS CLUB HAUPPAGUE NY US 11788 7298 1xxxxxx7 2 01 1 2350 N 0
CHRGBK DOC SPEC CASHBK CARD ACCEPTOR TERMINAL NATIONAL M S CAT PCI A A IN
TCR REF-NO IND IND AMOUNT REIMBURSEMENT P C S A TRACE PAY
01 000000 0.00 5xxxxxxxxxxxxx2 0.00 2 0
(------------------MERCHANT TEXT-----------------) (----ITEM DESCRIPTOR----)
TCR TRANSACTION ID AUTHORIZATION AMT AUTHOR-CURR RESP VAL-CODE RSN CRS-CODE CHBK-CODE
05 6xxxxxxxxxxxxx3 0.00
-----------------------------------------------------------------------------------------------------------------------------------
TOTAL RECORDS

3-18 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 3: Centralized Edit Package Alternative Reports BII–R271: Visa Returned Item Summary by BIN and CIB, Chargeback
Reduction Service Report Samples

BII-R270: Field Descriptions

The following table shows the field names and the contents of each field for BII–R270.

Table 3-4 BII–R270: Visa Returned Item Detail by BIN and CIB, Chargeback Reduction Service

Field Name Contents


DATE This field displays the Julian date.
TC This field displays all transaction codes.
RET RSN This field displays the reason code for the returned transactions.
SOURCE AMOUNT This field displays the original source amount.
SRC CUR This field displays the currency code for the source amount.
RESN CODE This field displays the reason code for the return transactions.
USAGE CODE This field displays the usage code.

3.6 BII–R271: Visa Returned Item Summary by BIN and CIB,


Chargeback Reduction Service Report Samples
The following pages contain Visa Returned Item Summary by BIN and CIB, Chargeback
Reduction Service Report samples.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 3-19


Sample(s) Chapter 3: Centralized Edit Package Alternative Reports

3.6.1 BII-R271—Visa Returned Item Summary by BIN and CIB - CRS


3.6.1.1 BII-R271 Purpose
This report provides a summary of CRS Returned transactions. by BIN and CIB.

3.6.1.2 BII-R271 Frequency


Provided on a daily basis.

3.6.1.3 BII-R271 Sort Sequence


Return reason code, description, transaction code, transaction code qualifier, transaction
count.

3.6.1.4 BII-R271 Reconciliation Process


Balancing and reconciliation is not applicable.

3.6.1.5 BII-R271 Description


This report displays a summary of CRS returned transactions. The report displays the
reason code and TC count of all transactions that are CRS-returned. The rollup level for
the report is BIN and CIB. The extract file for this report is created from the copy of the
RSILOG. The TCRs ‘0A', ‘0B' and 07' are excluded for the creation of this report.

Other criteria for data selection for this report are as follows:
• Should not be a Recon Transaction (DEST Flag = R).
• Skip records if Transaction Direction = SS and for TCs other than TC = 52, the
Transaction Collected From Flag not = E.
• The proprietary flag should not be B.
• Should be a Returned transaction and returned by the Chargeback Reduction Service.
BII-R271: Visa returned Item Summary by BIN and CIB, Chaargeback Reduction
Service

The BII–R271 report provides a summary of CRS returned transactions. The report displays
the reason code and TC count of all transactions that are CRS-returned.

Edit Package Report Comparison

Edit Package report EP–206B displays the currency code and transaction amount whereas
BII–R271 does not. Additionally, EP–206B uses BIN as the high-level sort criteria rather
than BIN and CIB.

3.6.1.6 BII-R271 Sample(s)


The following page shows the BII-R271 Report sample.

3-20 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 3: Centralized Edit Package Alternative Reports Sample(s)

REPORT NO. BII-R271 VISA RETURNED ITEM SUMMARY 01/07/03


BASE II DATE 12/29/02 CHARGEBACK REDUCTION SERVICE PAGE 1
BIN 4xxxx1
CIB 4xxxx0
RET TRAN TRAN CODE
RSN DESCRIPTION CODE QUAL COUNT
--- ----------- ---- ---- -----
AD TC 05 ACCT NBR WAS LISTED IN THE EXCEPTION FILE 05 1

14 Apr 2018 Visa Confidential BASE II Clearing Reports 3-21


BII–R272: Visa Returned Item Summary by CIB, Chargeback Chapter 3: Centralized Edit Package Alternative Reports
Reduction Service Report Samples

BII–R271: Field Descriptions

The following table shows the field names and the contents of each field for BII–R271.

Table 3-5 BII–R271: Visa Returned Item Summary by BIN and CIB, Chargeback Reduction Service

Field Name Contents


RET RSN This field displays the returned reason descriptions and why the transaction is returned
DESCRIPTION This field displays the regions defined by the CRB system.
TRAN CODE This field displays the transaction codes. No selection criteria is used.
TRAN CODE QUAL This field displays the transaction code qualifier.
TRAN COUNT This field counts the number of transactions that are returned.

3.7 BII–R272: Visa Returned Item Summary by CIB, Chargeback


Reduction Service Report Samples
The following pages contain Visa Returned Item Summary by CIB, Chargeback Reduction
Service Report samples.

3-22 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 3: Centralized Edit Package Alternative Reports Sample(s)

3.7.1 BII-R272—Visa Returned Item Summary by CIB


3.7.1.1 BII-R272 Purpose
This report provides a summary of CRS Returned transactions by BIN and CIB.

3.7.1.2 BII-R272 Frequency


Provided on a daily basis.

3.7.1.3 BII-R272 Sort Sequence


Return reason code, description, transaction code, transaction code qualifier, transaction
count

3.7.1.4 BII-R272 Reconciliation Process


Balancing and reconciliation is not applicable.

3.7.1.5 BII-R272 Description


This report displays a summary of CRS returned transactions. The report displays the
reason code and TC count of all transactions that are CRS- returned. The rollup level for
the report is CIB. The extract file for this report is created from the copy of the RSILOG.
The TCRs ‘0A', ‘0B' and 07' are excluded for the creation of this report. Other criteria for
data selection for this report are as follows
• Should not be a Recon Transaction (DEST Flag = R).
• Skip records if Transaction Direction = SS and for TCs other than TC = 52, the
Transaction Collected From Flag not = E.
• The proprietary flag should not be B.
• Should be a Returned transaction and returned by the Chargeback Reduction Service.
BII-R272: Visa Returned Item Summary by CIB, CHargeback Reduction Service

The BII–R272 report displays a summary of CRS returned transactions. The report displays
the reason code and TC count of all transactions that are CRS- returned.

Edit Package Report Samples

Edit Package report EP–206C displays the currency code and transaction amount whereas
BII–R272 does not. Additionally, EP–206C uses BIN (processing center) as the high-level
sort criteria rather than CIB.

3.7.1.6 BII-R272 Sample(s)


The following page shows the BII–R272 Report sample.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 3-23


Sample(s) Chapter 3: Centralized Edit Package Alternative Reports

REPORT NO. BII-R272 VISA RETURNED ITEM SUMMARY 12/17/02


BASE II DATE 12/15/02 CHARGEBACK REDUCTION SERVICE PAGE 1
CIB 400801
RET TRAN TRAN CODE
RSN DESCRIPTION CODE QUAL COUNT
--- ----------- ---- ---- -----
AD TC 05 ACCT NBR WAS LISTED IN THE EXCEPTION FILE 05 1

3-24 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Chapter 3: Centralized Edit Package Alternative Reports Sample(s)

BII-R272: Field Descriptions

The following table shows the field names and the contents of each field for BII–R272.

Table 3-6 BII–R272: Visa Returned Item Summary by CIB, Chargeback Reduction Service

Field Name Contents


RET RSN This field displays the reason code of returned transactions.
DESCRIPTION This field displays the return reason descriptions and why the transaction is returned.
TRAN CODE This field displays the transaction codes. No selection criteria is used.
TRAN CODE QUAL This field displays the transaction code qualifier.
TRAN COUNT This field counts the number of transactions that are returned.

14 Apr 2018 Visa Confidential BASE II Clearing Reports 3-25


Sample(s) Chapter 3: Centralized Edit Package Alternative Reports

THIS PAGE INTENTIONALLY LEFT BLANK.

3-26 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Glossary

account funding source


Identifies the source of the funds associated with the primary account for the card. For
example, Credit, Debit, Prepaid, and Charge.

account number extension


A three-position extension of the account number that allows account numbers up to
19 digits in length.

account prefix
The first nine digits of a cardholder account number.

account prefix range


The set of a low-account prefix and a high-account prefix that defines the range of
cardholder account numbers used by an issuer. (A single issuer may use more than
one range.) All ranges are maintained on the ARDEF Table for cardholder account
number and BIN validation purposes.

account restricted use


Identifies whether any processing restriction exists for the account range.

acquirer
A member financial institution that has agreements with merchants to accept Visa
card transactions or offers cash disbursement services to cardholders, or both. The
acquirer is responsible for:
• Accepting card transaction data from merchants and its own ATMs and bank
branches
• Providing authorization decisions to those card-accepting locations
• Conveying transaction information to Visa as interchange transactions

14 Apr 2018 Visa Confidential BASE II Clearing Reports Glossary-1


Glossary

acquirer center
A BASE II processing center supporting one or more Visa acquirers. The processing
center receives transaction information from merchants and cash dispensing locations
on behalf of acquirers; processes local transactions and sends interchange transactions
to a VIC for distribution to the issuer processing centers; and settles the value of
transactions with merchants and agents and, for interchange transactions, with other
members through the BASE II System.

Acquirer Reference Number


A 23-digit identification number associated with every draft and voucher. It consists
of a Format Code, BASE Identification Number (BIN), Capture Date, Film Locator, and
Check Digit.

administrative messages
All transactions that pass information between processing centers but do not result in
debits or credits in the settlement process.

Advice File
The BASE I file containing records of authorization and verification responses generated
at the VIC for the card issuer under the rules of the Positive Cardholder Authorization
Service (PCAS) or when the issuer center was unavailable.

ARDEF File
The permanent file for the ARDEF (Account Range Definition) Table, which is used to
control the accuracy of Edit Package processing. The table contains all valid ARDEF
entries, namely: the account prefix range, its associated BIN, card-number length
indicator, check-digit indicator, product ID, and account funding source.

balancing and reconciliation


The process of accounting for the number and amount of transactions and the
currency of each transaction in a BASE II cycle.

BASE I System
See V.I.P. System.

Glossary-2 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Glossary

BASE Identification Number (BIN)


A six-digit system number used by Visa to identify the processing centers and members.
BINs are assigned to processing centers operated by members, nonmember processing
centers designated by members, and the members that operate processing centers.
NOTE
The BIN of a given processing center does not necessarily appear in the cardholder account numbers
processed by that center.

BASE II processing center


See processing center.

BASE II System
An electronic batch transmission system primarily used for the exchange of Visa
interchange transaction data and for settlement of the value of those transactions
between acquirers and issuers. This system is also used by centers to retrieve records
from the Advice File and by Visa to settle various fees with members.

batch
A set of transaction records, terminating with a batch trailer, sent through BASE II.

batch acknowledgment transaction


A receipt confirmation generated at a VIC of each batch of outgoing transactions.
These transactions are received in the center's incoming Interchange Transaction File.

batch reject
See rejected batch.

batch trailer record


A record designating the end of a batch of BASE II transactions. It contains count and
monetary totals used to control the integrity of the batch's transaction data. See also
merchant batch trailer record.

Bill Payment Service


A service allowing a member to accept payment from a Visa cardholder whose account
belongs to another member and to credit the issuer through BASE II. The issuer and
the member receiving the payment must both be in the same country. Used in
Canada and Brazil.

billing currency
The currency in which the issuer bills the cardholder for transactions.

14 Apr 2018 Visa Confidential BASE II Clearing Reports Glossary-3


Glossary

BIN
See BASE Identification Number (BIN).

BIN File
The permanent file for a BIN Table, which is used to control the accuracy of Edit Package
processing. The table contains all valid BINs and their BASE II processing status codes.

card issuer processing center


See issuer center.

Card Recovery Bulletin (CRB)


A paper listing, published and distributed by Visa, that contains Visa account numbers
for which card pickup is required.

cardholder processing center


See issuer center.

cash advance
The disbursement of cash from an ATM, bank teller, or authorized merchant based
on use of a Visa or Plus card.

cashback field
A nine-digit field that specifies the currency amount that is paid out when a purchase
transaction occurs.

Center Transaction File (CTF)


The outgoing Center Transaction File contains interchange transactions generated
by a processing center's pre-edit program. If the format is acceptable to the Edit
Package, it is converted to an ITF and is submitted to the VIC.The incoming Center
Transaction File contains ITF data transmitted from the VIC through the VAP to the
Edit Package for processing. If there are no errors, the ITF is converted to a CTF and
used as input to the post-edit program.

central processing date (CPD)


The date (based on GMT) when the ITF or report in question was generated at a VIC.

chargeback
A sales draft or other item that has been examined by the issuer center, found to be
improper, and sent back to the acquirer center with other outgoing interchange.

Glossary-4 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Glossary

Chargeback Reduction Service (CRS)


A worldwide service that provides acquirers and issuers with information available
from other VisaNet systems to reduce the number of unnecessary chargebacks and
re-presentments and the time needed to research valid chargebacks.

chargeback reversal
The cancellation of a chargeback sent in error to the acquirer center.

check digit
A digit added to the end of an account number or Acquirer Reference Number that
is derived from a computation using a predetermined formula and the preceding
digits of the account number. It is used during editing processes to validate account
numbers and Acquirer Reference Numbers.

Chip Card
See Integrated Circuit Card.

Chip Debit/Credit
See Visa Smart Debit/Visa Smart Credit (VSDC).

clearing
All of the functions required to collect a transaction from an acquirer in the merchant's
currency and deliver it to the issuer in the cardholder's currency.

collection-only transactions
(1) An intraprocessor transaction submitted to BASE II for collection only (not
settlement or delivery). Normal BASE II processing charges and interchange
reimbursement fees do not apply to collection-only transactions.

copy/original
A copy of a transaction requested from the acquirer center by the issuer center.
(Synonymous with original/photocopy.)

CPD
See central processing date (CPD).

CPS
See Custom Payment Service (CPS).

CRB
See Card Recovery Bulletin (CRB).

14 Apr 2018 Visa Confidential BASE II Clearing Reports Glossary-5


Glossary

credit voucher
Sometimes referred to as credit return, it is the record of a return or price adjustment
of a purchase.

CRS
See Chargeback Reduction Service (CRS).

CTF
See Center Transaction File (CTF).

currency conversion rate


This rate is applied by Visa International to certain transactions (original sales drafts,
re-presentments, travel vouchers, credit vouchers, and cash disbursements) and the
reversal of such transactions.

currency of purchase
See transaction currency.

currency trading cutoff


The time at which currency conversion rates expire.

Custom Merchant Service


A service that tailors interchange reimbursement fees to specific merchant categories.

Custom Payment Service (CPS)


A Visa payment service that minimizes chargebacks and facilitates transaction clearing
and settlement by assigning a unique identifier that stays with the transaction
throughout its life cycle.

Data Capture Advice


A batch transaction that delivers data for transactions captured at merchant locations
to the acquirer center for subsequent submission to BASE II.

Data Capture Service


Merchants' use of electronic terminals at points of sale (POS) to capture sales
transaction data. Members can receive reports on transactions that have occurred at
each merchant location.

DBA
The “doing business as” name of the merchant. (The DBA name is required in all
BASE II records that include merchant ID to ensure cardholder recognition.)

Glossary-6 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Glossary

descriptive billing
A billing method in which the cardholder receives a statement containing a descriptive
section of information identifying the card acceptor (merchant, bank branch or
business location) and the nature of each charge or credit for each transaction posted
to the account. Copies of the original paper are not returned to the cardholder.

designated currency
One of the currencies that may be chosen by a member for settlement and funds
transfer.

destination BIN
The BIN to which a BASE II transaction message is sent.

destination currency
The currency type presented to the member on incoming transactions. For most
transactions (that is, drafts), it is the billing currency. For other transactions (for
example, fee collection, chargeback), it is the settlement currency of the destination.

documentation request
See Request for Copy of transaction.

draft data transaction


A BASE II financial transaction that contains data for a cardholder transaction and
results in a debit or a credit to clearing members during the settlement process.

Early Delivery Service


Option by which transaction data is delivered to the processing center before
settlement is completed.

EA Server
See Visa Extended Access Server.

Extended Access Server


See Visa Extended Access Server.

Edit Package
The computer programs supplied by Visa International to processing centers to
validate interchange data, produce the file containing all interchange data to be sent
from the processing center to Visa, and process the file of incoming transactions
received from Visa.

14 Apr 2018 Visa Confidential BASE II Clearing Reports Glossary-7


Glossary

Edit Package processing date


The date used by the Edit Package during a specific run. This can be the computer's
system date or a date specified on the RUNDATE run control option.

electronic terminal
A point-of-sale terminal, an automated teller machine, or a cash dispensing machine
used at the point of transaction to generate electronic impulses that are captured in
computer-readable form.

fee collection transaction


A BASE II transaction representing a miscellaneous financial charge assessed by one
member or by Visa against another member.

File Distribution Service


The receipt of files through BASE II based on an arrangement that best meets the
member's needs and processing schedules. It can distinguish and simultaneously
process interchange, nonfinancial, and settlement data. It can separate report delivery
from interchange processing.

file header record


A record designating the beginning of an CTF or ITF. It contains the processing center
ID, security code, and relevant control information.

file trailer record


A record designating the end of a CTF or ITF. It contains count and monetary totals
used to control the integrity of file content. A CTF is terminated with one file trailer
record regardless of the number of volumes used to contain the data; an ITF on tape is
terminated with a file trailer record at the end of each volume, if multiple volumes are
needed.

file transfer
Electronic transfer of an ITF between the PC Edit Package and the VAP.

financial controls
Those controls surrounding general ledger activities and procedures relating to bank
card accounting.

floor limit
The maximum dollar amount for a transaction without having to obtain authorization.

Glossary-8 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Glossary

fraud advice transaction


A BASE II transaction sent by a center to notify Visa of the possible fraudulent use of a
card. Sent only with outgoing interchange transactions from the issuer center.

freeform text message


See text message.

funds disbursement transaction


A BASE II transaction used to transfer monetary credit from one BASE II entity to
another or to reverse a fee collection transaction.

History File
The Edit Package file used to store the history of outgoing and incoming processing
runs, and to control reruns and assign batch numbers for multiple daily runs.

host computer(s)
The computer system used at the processing center to process BASE II interchange or
BASE I inquiries, or both, and other authorization-related messages.

IAF
See International Acquiring Fee

ICC
See Integrated Circuit Card.

ICS
See Issuers' Clearinghouse Service (ICS).

ICS input/response transaction


A BASE II transaction sent (input) or received (response) by a center participating in the
Issuers' Clearinghouse Service.

incoming interchange
All BASE II transactions transmitted from a VIC to a processing center, or the entire
process of receiving incoming interchange transaction data from a VIC.

Integrated Circuit Card


A plastic card embedded with a silicon chip that has greater storage capabilities
than a magnetic stripe allowing for more robust functionality and multiple accounts
to reside on one physical card.

14 Apr 2018 Visa Confidential BASE II Clearing Reports Glossary-9


Glossary

interchange processing
The electronic movement of transaction data between acquirers and issuers.

Interchange Reimbursement Fee (IRF)


A fee paid by issuers and acquirers to each other for transactions entered into
interchange (and their reversals) to balance the cost of doing business.

interchange transaction
Any transaction where the member that signed the cardholder submits transactions
through a different processing center than the member that signed the merchant.

Interchange Transaction File (ITF)


The outgoing Interchange Transaction File contains transactions sent to VisaNet by an
endpoint. This file may be created by the outgoing Edit Package after the endpoint's
pre-edit processing, or it may be sent directly to VisaNet.

The incoming Interchange Transaction File contains transactions delivered to an


endpoint by VisaNet. This file may be read by the Edit Package prior to the transaction
being processed by the endpoint's post-edit processing, or it may be directly processed
by the endpoint.

interface transaction advice


A notice to certain non-Visa card issuers of transactions captured by Visa terminals
at merchant locations. These notices are created by the terminal provider and are
transmitted through the BASE II System to non-Visa card issuers.

International Acquiring Fee (IAF)


An optional regional fee paid by the acquirer when a transaction occurs outside the
issuer's country. It may be assessed for Sales Draft (TC05) original and re-presentment,
Cash Disbursement (TC07) original and re-presentment, TC05 & TC07 reversals and
their SMS Visa or Plus Network equivalent transactions.

International Airline Program


A program that permits acquirers of merchants designated by Visa as international
airlines to deposit transactions outside the country where the transactions occurred.

International Outgoing Interchange (IOI) fee


See International Acquiring Fees

international airline transactions


International Airline Program transactions in which the issuer and merchant are not in
the same country.

Glossary-10 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Glossary

International Service Assessment (ISA)


The International Service Assessment (ISA) fee applies to international BASE II and SMS
clearing transactions in which the issuer country is different from the merchant country.

interregional transaction
A transaction where the merchant and issuer are not in the same Visa region.

intraprocessor transaction
A transaction where the acquirer and the issuer are two different members but both
are serviced by the same processor.

intraregional transaction
A transaction where the merchant and issuer are in the same Visa region but are
not in the same country.

IOI fee
See International Acquiring Fees (IAF)

IRF
See Interchange Reimbursement Fee (IRF).

ISA
See International Service Assessment (ISA).

issuer
A member financial institution that issues Visa cards. For a given transaction, the issuer
is the institution that issued the card used for that transaction to the cardholder. The
issuer is responsible for maintaining the accounts of its cardholders, for providing
authorization decisions, for cardholder billing, and for settlement of transactions its
cardholders have with merchants and cash dispensing locations of other members.
Each issuer operates or designates an issuer center to perform the functions related
to clearing and settlement of interchange transactions.

issuer center
A BASE II processing center acting in support of one or more issuers. The processing
center processes completed cardholder transactions (local and interchange) for
cardholder account posting and billing. For completed interchange transactions, the
center is also responsible for receiving and processing incoming transactions for the
cardholders of the issuer or issuers.

14 Apr 2018 Visa Confidential BASE II Clearing Reports Glossary-11


Glossary

Issuers' Clearinghouse Service (ICS)


A service developed to curtail the fraudulent or excessive use of credit card
applications, and the fraudulent use of credit cards. Issuers may access or update the
ICS database through BASE II.

ITF
See Interchange Transaction File (ITF).

Julian date
A date expressed as the day's position in a year rather than in a particular month.
The format is YDDD or YYDDD.

local airline transaction


International Airline Program transactions in which the issuer and merchant are in
the same country.

media request
See Request for Copy transaction.

member settlement data transaction


An incoming transaction used to transmit settlement report data in machine-readable
format.

merchant batch header record


The header record in a data capture advice that carries merchant batch data.

merchant batch trailer record


The trailer record in a data capture advice that carries merchant batch data.

Merchant Mailing File


A file at the VIC containing the names, addresses, and other pertinent information for
merchants who receive the Card Recovery Bulletin.

Merchant Mailing File transaction


The BASE II transaction used by processing centers to update the Merchant Master
File. It is transmitted from acquirer centers to a VIC.

Merchant Master File


A computer record of information on all merchants serviced by a center. This file
is maintained at the processing center.

Glossary-12 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Glossary

merchant processing center


See acquirer center.

multicurrency clearing
The clearing of transactions where members enter financial transactions into BASE II in
the currency as signed by the cardholder, and receive cleared transactions converted
to the issuer's billing currency. This results in uniform conversion rates for all issuers
for the processing day.

National Net interchange


Transactions that are exchanged between processing centers whose issuers and
acquirers are located in the same country where settlement is accomplished through a
central agent bank for each country using the service. BASE II clears the transactions
and records transaction totals on National Net interchange reports.

national settlement transaction


A National Net transaction.

national transaction
A transaction in which the merchant, issuer, and acquirer are all in the same country.

net settlement amount


The currency amount representing the difference between a settlement entity's
outgoing and incoming interchange for a given day plus or minus fees and charges.
May be a debit or a credit.

nonfinancial transaction
A nonmonetary transaction that supports the bankcard business. For example, a
request or confirmation of a photocopy, freeform message, BASE I Advice record,
Merchant Mailing File update, data capture advice, and Issuers' Clearinghouse Service
inquiry or response.

on-us transactions
Drafts, vouchers and other items where the member that signed the merchant also
signed the cardholder, or where the member that signed the merchant and the
member that issued the card have both designated the same processing center.

optional issuer fee


An optional additional currency fee that is requested by the issuer and collected as
part of the billing amount, if desired by the issuer. This fee is not included in the
settlement amount. It may be a debit or a credit.

14 Apr 2018 Visa Confidential BASE II Clearing Reports Glossary-13


Glossary

original transaction
In the BASE II System, the first presentation of a purchase, credit, or cash advance
submitted into interchange.

original/photocopy
See copy/original.

outgoing interchange
All BASE II transactions transmitted from a member's processing center to a VIC. Both
acquirer and issuer centers send outgoing interchange.

PCAS
See Positive Cardholder Authorization Service (PCAS).

Plus
An automatic teller machine (ATM) network to which Visa members have access.

Plus BIN File


A file containing Plus BIN table update records that is created through incoming Edit
Package processing for all members subscribing to the Plus ATM system. The Plus BIN
Table contains BIN numbers of Plus card issuers.

Positive Cardholder Authorization Service (PCAS)


Risk control services available to issuers who use the VisaNet BASE I component for
switching and authorization. PCAS determines how authorizations are routed and
how authorization decisions are made.

post-edit program
Software written and maintained by a processing center to restructure an incoming
Center Transaction File into a format acceptable for the local posting and billing
process and to apply member-unique edit criteria against the transactions. This
program is executed following the incoming Edit Package run.

pre-edit program
Software written and maintained by a processing center to separate on-us items from
interchange items and to apply member-unique edit criteria against the transactions.
This program also formats outgoing interchange into the outgoing Center Transaction
File for processing by the Edit Package according to BASE II specifications. This
program is executed before the outgoing Edit Package run.

presentation
See presentment.

Glossary-14 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Glossary

presentment
Paper (or a transaction) submitted for the first time by an acquirer to an issuer and
processed through VisaNet interchange.

processing center
The entity, operated or designated by a clearing member of Visa, responsible for
processing of interchange transactions. It executes the Edit Package and the pre-
or post-edit programs, or both, and sends and receives interchange transactions to
and from a VIC. A single processing center may function as an acquirer center, an
issuer center, or both. It performs interchange transaction services for one member
or a multiple number of members. Most BASE II processing centers are operated
by Visa members; nonmember processing centers may be authorized to process
Visa transactions.

processing date
See central processing date (CPD) or Edit Package processing date.

proof and capture


The process of determining that each deposit or group of deposits balances, and the
process of recording standard information from each draft, voucher, and transaction in
a form acceptable for editing and processing.

PSIRF
See Payment Service Interchange Reimbursement Fee (PSIRF).

RCRF
See Regional Card Recovery File (RCRF).

re-presentation
See re-presentment.

Regional Card Recovery File (RCRF)


A file of cardholder account records, created by Visa every week for international users,
that contains all BASE I Exception File pickup accounts coded for a given CRB region,
plus specified “Region 0” accounts listed by issuers in that CRB region. Users receive
an RCRF as part of the incoming BASE II interchange transaction file.

reimbursement attribute
A one-digit alphanumeric code designating reimbursement fees applicable to a
specific transaction.

14 Apr 2018 Visa Confidential BASE II Clearing Reports Glossary-15


Glossary

reimbursement fee
Amount paid by one member to another (usually by the acquirer to the issuer), and
can vary according to market requirements.

rejected batch
An interchange batch that is not accepted by the VIC due to an error in the audit
integrity of that batch.

rejected transaction
An outgoing BASE II transaction record in which the Edit Package detected an error
that affects the financial integrity of the batch. The Edit Package excludes such
transactions from outgoing interchange, that is, the transaction is not included in the
outgoing Interchange Transaction File forwarded to a VIC. (The batch is not rejected; all
valid transactions in the batch are included in the outgoing Interchange Transaction
File.) Unless the transaction is a batch or file trailer record, the run aborts.

re-presentment
Paper (or a transaction) submitted by an acquirer to an issuer a second time, following
receipt of a chargeback.

Request for Copy transaction


A transaction generated when an issuer requests for a copy of the original transaction,
followed by a confirmation that records the sending of the copy. Also known as a
documentation or media request.

returned transaction
A cardholder transaction record in which the VIC edit function detected an error that
does not violate the financial integrity of the batch. When such an error is detected,
the transaction is included in the outgoing batch interchange totals (in a separate
category), but it is not forwarded to the issuer center. The transaction is placed in a
new BASE II transaction, with a new transaction code, and returned to the originating
center with incoming interchange. (On the incoming reports for an originating center,
the transactions appear in both outgoing and incoming totals.)

reversal
A BASE II transaction used to negate or cancel a transaction that has been sent
through interchange in error.

Glossary-16 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Glossary

settlement
The actual transfer of funds from the issuing bank to the acquiring bank through a
wire transfer to a settlement account, and the total amount owed by one Visa member
to another. See also net settlement amount.

settlement currency
The currency used by the BASE II System to calculate a settlement entity's daily net
settlement position.

Single Message System (SMS)


See V.I.P. System.

source BIN
The BIN from which a BASE II transaction message is sent.

source currency
The currency type associated with the amount of a transaction entered into interchange.

special airline fee


A fee charged on transactions from International Airlines whenever the issuer, acquirer,
and transaction countries are not all the same. This fee is collected instead of the IAF
fee, and is paid to the transaction region.

Stand-In Processor (STIP)


For BASE I processing. The function operating at all VICs that provides authorization
decisions on behalf of BASE I card issuers. It acts for transactions in amounts below
the issuer limit, when the issuer center is unavailable, when a request sent to the issuer
center times out, or when a local switch requests STIP processing.

For SMS processing. The function that makes authorization decisions for authorization
and financial requests on behalf of issuer centers. It acts only when the issuer center is
unavailable or when a request has timed out.

STIP
See Stand-In Processor (STIP).

substitute draft or substitute transaction receipt


A computer-generated version of a sales draft, including items such as account number,
merchant name and location, purchase date, transaction amount, authorization code,
and a description of the goods and services.

14 Apr 2018 Visa Confidential BASE II Clearing Reports Glossary-17


Glossary

suspense
A series of general ledger accounts containing drafts and vouchers and other items
that have been rejected by either the processing center's editing programs or the
Edit Package.

system log
A VAP disk file that contains messages recording significant events related to
BASE II operations, including net settlement information and all operator actions
and their acknowledgments. (All valid dial terminal inquiries and responses and the
error messages generated by all VAP subsystems are also included.) When BASE II
transmission to or from the VIC completes, the log can be archived to the center's host
computer and center-designed reports may be generated.

TCR
See Transaction Component Record (TCR).

text message
An unformatted message exchanged between processing centers, or sent by Visa,
through the BASE II System.

third-party processor
See processing center.

transaction
BASE II transaction. The record or records that make up a single financial, administrative,
or text message, as required for transmission between a processing center and a VIC.
BASE II transactions are identified by transaction codes.

Cardholder transaction. The use of a card by a customer (normally assumed to be


the cardholder) to purchase goods or services from a merchant or secure cash from
an ATM or financial institution.

transaction charges
Charges paid by members to Visa for processing services. Transaction charges vary
depending on transaction type and volume.

transaction code (TC)


A two-digit code that identifies a specific type of BASE II transaction.

Transaction Component Record (TCR)


A fixed-length record used to contain a component portion of a BASE II transaction. A
single BASE II transaction may consist of multiple TCRs.

Glossary-18 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Glossary

transaction component sequence number


A single digit placed in each TCR so multiple records (TCRs) can be combined into a
single BASE II transaction.

transaction currency
The currency of the purchase, as agreed to by the cardholder and the merchant.

Visa Extended Access Server


The Visa Extended Access Server is the next-generation gateway to Visa products
and services, replacing legacy VisaNet Access Points. The EA Server offers improved
security and a flexible platform for future updates.

VAP
See VisaNet Access Point (VAP).

VIC
See VisaNet Interchange Center (VIC).

VIC processing date


See central processing date (CPD).

V.I.P. System
An electronic data transmission system for the real-time delivery and processing of
messages related to authorization of bank, T&E, private label, and proprietary card and
check acceptance transactions. It accepts authorization requests from acquirer and
merchant authorization centers and either provides authorization decisions or secures
authorization decisions from the issuer authorization centers. The V.I.P. System is made
up of the Single Message System (SMS) and BASE I System.

VisaNet Access Point (VAP)


An IBM personal computer supplied by Visa, at which the VisaNet network is accessed
electronically by a processing center. A VAP is in direct communication with a VIC.
BASE II data are generally transmitted or received through a VAP.

VisaNet Copy Request and Fulfillment Service (VCRFS)


An automated service that facilitates the exchange of copy requests and their
fulfillments through VisaNet.

VisaNet Interchange Center (VIC)


The computers and all associated peripheral devices and telecommunications support
facilities needed for the V.I.P. System, the BASE II System, related systems (such as CRB
and CWB), and backup for these systems.

14 Apr 2018 Visa Confidential BASE II Clearing Reports Glossary-19


Glossary

Visa Smart Debit/Visa Smart Credit (VSDC)


A payment service involving the use of chip cards and chip capable card acceptance
devices providing a variety of features to support offline authorization, protect against
fraud, enhance cardholder verification, and provide a platform for multifunction
programs.

warehoused transactions
Transactions received at the VIC after the settlement window closes. These transactions
are held over for next-day settlement at the new rates.

Glossary-20 Visa Confidential BASE II Clearing Reports 14 Apr 2018


Index

A E
aging 2-7 Edit Package 2-3 to 2-8
audit controls Edit Package Reports
outgoing and incoming interchange control points 2-4 EP–204 2-4, 2-11
reports for calculating settlement 2-4 EP–206 2-4, 2-11

B F
backlog controls 2-3 financial controls 2-3
Balancing and Reconciliation 2-7 Follow-Up Procedures 2-7
balancing and reconciliation controls
Computer Data Edit 2-8
incoming interchange 2-8
I
identifying returned transactions 2-4
post-edit processing 2-10
interchange controls 2-4
Post-Edit Processing 2-9
settlement 2-11
N
C newly rejected items 2-11
calculating the settlement amount 2-4
CBRMR202–A 1-25 O
CBRMR202–B 1-25 Outgoing Interchange Control 2-5
CBRMR301–A 1-34
Chargeback and Re-presentment Controls 2-3
chargebacks 2-10 P
computer data edit 2-8 Post-edit Processing 2-10
controlling suspense accounts 2-7
currency conversion controls 2-8
R
re-presentments 2-11
D Reentry of Suspense Items 2-7
data entry 2-6 rejected transactions
monitoring tools and techniques 2-6

14 Apr 2018 Visa Confidential BASE II Clearing Reports IX-1


Index

returned item controls 2-4


returned items 2-11
returned transactions 2-4

S
settlement
BASE II cycle 2-13
settlement schedule
settlement date 2-13
suspense accounts 2-7
suspense controls 2-3

V
verifying fees and BASE II charges 2-17

IX-2 Visa Confidential BASE II Clearing Reports 14 Apr 2018