Indonesia Domestic IRF Guide
Visa Supplemental Requirements
Version 4.7
Effective: 13 May 2017
Visa Confidential
Important Information on Confidentiality and Copyright
© 2014 - 2017 Visa. All Rights Reserved.
Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed
to Visa participants for use exclusively in managing their Visa programs. It must not
be duplicated, published, distributed or disclosed, in whole or in part, to merchants,
cardholders or any other person without prior written permission from Visa.
The trademarks, logos, trade names and service marks, whether registered or
unregistered (collectively the “Trademarks”) are Trademarks owned by Visa. All other
trademarks not attributed to Visa are the property of their respective owners.
Note: This document is a supplement of the Visa Core Rules and Visa Product and
Service Rules. In the event of any conflict between any content in this
document, any document referenced herein, any exhibit to this document, or
any communications concerning this document, and any content in the Visa
Core Rules and Visa Product and Service Rules, the Visa Core Rules and Visa
Product and Service Rules shall govern and control.
For further information on the IRF Guide, please contact your Visa Representative at
iSupport@visa.com
25TU
Summary of Changes
Section
Status
Description of Change
4.1
Modify
• Revised government rates
5.1.2
Modify
• Expanded government program to include additional MCCs
Indonesia Domestic IRF Guide: Visa Supplemental Requirements
Contents
1.
2.
Organization of Guide ................................................................................................................................. 2
Introduction ..................................................................................................................................................... 3
2.1
Purpose .................................................................................................................................................... 3
2.2
Usage ........................................................................................................................................................ 3
3. Settlement Jurisdiction................................................................................................................................ 4
3.1
National Net ........................................................................................................................................... 4
3.2
International Settlement ................................................................................................................... 5
3.3
Steps taken to determine Interchange ........................................................................................ 5
4. Interchange Fee Table Hierarchy ............................................................................................................ 7
4.1
Point-of-Sale (POS) Fee Hierarchy ................................................................................................ 8
4.2
Cash Disbursement Fee Hierarchy ................................................................................................ 9
4.3
ATM Non-Financials Fee Hierarchy............................................................................................ 10
4.4
Original Credit Fee Hierarchy ....................................................................................................... 10
4.5
Request For Copy Hierarchy ......................................................................................................... 10
5. Interchange Fee Edit Criteria ................................................................................................................. 11
5.1
POS Edit Criteria ................................................................................................................................ 11
5.1.1 Fee Program Indicator (FPI) ...................................................................................................... 11
5.1.2
Industry Fee Program ............................................................................................................. 11
5.1.3
Recurring Payment Fee Program ....................................................................................... 11
5.1.4
Chip Acquirer Fee Program ................................................................................................. 12
5.1.5
Chip Issuer Fee Program ....................................................................................................... 12
5.1.6
E-Commerce Non-Authenticated 3D Merchant Fee Program............................... 12
5.1.7
E-Commerce Authenticated 3D Fee Program .............................................................. 13
5.1.8
Electronic Fee Program ......................................................................................................... 13
5.1.9
Standard Fee Program ........................................................................................................... 13
5.2
Cash Disbursement Edit Criteria ................................................................................................. 13
5.2.1
ATM Cash .................................................................................................................................... 13
5.2.2
Manual Cash .............................................................................................................................. 13
5.3
ATM Non-Financials Edit Criteria................................................................................................ 14
5.3.1
Balance Inquiry ......................................................................................................................... 14
5.3.2
ATM Decline............................................................................................................................... 14
5.3.3
ATM Account Transfer ........................................................................................................... 14
5.3.4
PIN Management ..................................................................................................................... 14
5.4
Original Credit Edit Criteria ........................................................................................................... 15
5.5
Request For Copy Edit Criteria..................................................................................................... 15
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1
Indonesia Domestic IRF Guide: Visa Supplemental Requirements
1.
Organization of Guide
The IRF Guide is organized as follows:
Section 1 Organization of Guide describes the different information that will be covered
in the guide.
Section 2 Introduction describes the purpose of the guide, the target audience, and usage
of the guide.
Section 3 Settlement Jurisdiction explains how domestic transactions settle in a different
jurisdiction.
Section 4 Hierarchies lists the order in which transactions will be assessed the various fees
by product and usage.
Section 5 IRF Edits provides the message field values which the transactions will be
validated against in order to qualify for a specific fee program.
2
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Effective: 13 May 2017
Introduction
2.
Introduction
2.1
Purpose
This document contains information on the various interchange fee programs for
Indonesia domestic transactions and the various edit criteria that are required for each of
the fee programs listed.
2.2
Usage
The guide is intended for programmers, system analysts, and technical managers
responsible for client or processor pre and post-edit programs on how the various
interchange fee programs are assessed.
Disclaimers:
•
The tables within section 4 set forth rates for interchange reimbursement fees
applied on Visa financial transactions within Indonesia.
•
These rates are provided for reference only. While Visa will use its best efforts to
ensure that this document is up to date, Visa does not guarantee that it is so. In
the event of any discrepancy between these rates and rates that are deemed official
by Visa, the rates that are deemed official will apply.
•
These rates are not exhaustive and there may be other rates in the system that may
apply.
•
These rates are applicable subject to the transactions fulfilling certain qualification
criteria as highlighted in section 5.
•
Clients should check their settlement reports to ensure that they are receiving the
rates in which they are applying for.
•
To the extent permitted by law, Visa excludes all liability for any loss or damage
(including special, indirect and consequential loss or damage) in connection with
clients’ use of or reliance on these rates.
Effective: 13 May 2017
Visa Confidential
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Indonesia Domestic IRF Guide: Visa Supplemental Requirements
3.
Settlement Jurisdiction
3.1
National Net
Region
04
Zone
005
Settlement Service ID (SSID)
0024
National Net enables a country to determine specific interchange reimbursement fee rates
(IRF rates) to be applied to domestic transactions. National Net settlement occurs when the
transactions of the merchant, acquirer, and issuer are all in the same country and the
transaction currency is the local currency. Both the issuer and acquirer must participate in
the National Net Settlement Service (NNSS) to get the NNSS interchange rates.
Region the numeric code assigned for the geographical jurisdiction.
assigned to Asia Pacific.
Region code 04 is
Zone is the numeric code assigned for a specific country / geographical jurisdiction within
a region. Zone code 005 is assigned to Indonesia.
Settlement Service ID (SSID) is the numeric code assigned to a specific Settlement Service.
SSID 0024 is assigned to Indonesia National Net Settlement Service.
In order to qualify for National Net settlement, the following must be in place:
1.
The issuer country, acquirer country and merchant country are the same.
2.
The issuer and acquirer must participate in NNSS.
3.
The transaction currency is in the local currency of the NNSS.
For Asia Pacific, the Settlement Flag (TCR0, position 150) value of ‘9’ is required for original
transactions. The settlement code is a retained and returned field, so the value in the
original transaction should be carried in all subsequent transactions. E.g. Chargebacks.
The value of ‘9’ results in VisaNet checking against the configuration for the issuer and
acquirer for NNSS participation and determines the settlement jurisdiction.
If the transaction meets NNSS qualification, the settlement flag will be converted to ‘8’ prior
to sending the transaction to the issuer. NNSS IRF for the country will then apply.
4
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Effective: 13 May 2017
Settlement Jurisdiction
3.2
International Settlement
Region
04
Zone
005
Settlement Service ID (SSID)
0001
International settlement can be used to settle domestic or international transactions.
Domestic transactions settle via international settlement if the National Net Settlement
Service (NNSS) for a country does not exist or is not in use, if either the issuer or acquirer is
not participating in the NNSS, if the acquirer sends a settlement flag value of ‘0’ instead of
‘9’, or if the transaction does not fulfil the rules and requirements for NNSS settlement.
Region is the numeric code assigned for the geographical jurisdiction.
assigned to Asia Pacific.
Region code 04 is
Zone is the numeric code assigned for a specific country / geographical jurisdiction within
a region. Zone code 005 is assigned to Indonesia.
Settlement Service ID (SSID) is the numeric code assigned to a specific Settlement Service.
SSID 0001 is assigned for International Settlement.
If the settlement flag value of a transaction is ‘9’, and the transaction settles via International
settlement, the settlement flag value will be converted to ‘0’ (to denote international
settlement) prior to sending to the Issuer.
3.3
Steps taken to determine Interchange
The following steps are taken to determine which hierarchy a transaction goes to, for the
assessment of interchange. It should be noted the same process and edit rules are followed
irrespective of how the transaction enters VisaNet, i.e. via BASE II or VIP format.
1.
The product assigned to the account range is identified
2.
The funding source is determined
3.
The jurisdiction of the transaction (domestic, interregional, intraregional) is identified
4.
For domestic jurisdiction, whether the transaction qualifies for NNSS
Once the above is determined, the applicable hierarchy is then used. Based on the edit
criteria and the message content, the interchange rate is determined. VisaNet checks the
transaction elements against the edit criteria for the first fee program in the hierarchy. If
it does not meet the edit criteria, it moves on to the next fee program in the hierarchy. It
does so until the end of the hierarchy and the final fee in the hierarchy is applied if all other
interchange rate criteria could not be met.
The settlement flow is listed in the following table, by transaction type.
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Indonesia Domestic IRF Guide: Visa Supplemental Requirements
Table 3–1:
Settlement Flow by Transaction Type
Transaction
Message Class
Description of Transaction
Interchange
Reimbursement
Fee Paid By
Sales Draft (Purchase)
Original
A product or service is bought on a Visa
account
Acquirer
Credit Voucher1
Non-Original
A purchase return or price adjustment is
credited to a Visa account
Issuer
Cash Disbursement
Original
Cash is disbursed from an ATM or bank
teller through a Visa or Plus card
Issuer
Reversal, Sales Draft
Original
A purchase is cancelled by the acquirer,
usually due to a processing error
Issuer
Reversal, Credit Voucher
Non-Original
A credit voucher is cancelled
Acquirer
Reversal, Cash
Disbursement
Original
A cash disbursement submission is
cancelled
Acquirer
Chargeback, Sales Draft
Non-Original
The issuer finds a purchase incorrect or
improper and sends it back to the acquirer
Issuer
Chargeback, Credit
Voucher
Non-Original
The issuer finds a credit voucher incorrect
or improper and sends it back to the
acquirer
Acquirer
Chargeback, Cash
Disbursement
Non-Original
The issuer finds a cash disbursement
submission incorrect or improper and
sends it back to the acquirer
Acquirer
Chargeback Reversal,
Sales Draft
Non-Original
An erroneous purchase chargeback
submission in cancelled
Acquirer
Chargeback Reversal,
Credit Voucher
Non-Original
An erroneous credit voucher chargeback
submission in cancelled
Issuer
Chargeback Reversal,
Cash Disbursement
Non-Original
An erroneous cash disbursement
chargeback submission is cancelled
Issuer
Representment, Sales
Draft
Non-Original
The acquirer presents a chargeback of a
sales draft back to the issuer
Acquirer
Representment, Credit
Voucher
Non-Original
The acquirer presents a chargeback of a
credit voucher back to the issuer
Issuer
Representment, Cash
Disbursement
Non-Original
The acquirer presents a chargeback of a
cash disbursement back to the issuer
Issuer
Representment Reversal,
Sales Draft
Non-Original
An erroneous sales draft representments is
cancelled
Issuer
Representment Reversal,
Credit Voucher
Non-Original
An erroneous credit voucher
representments is cancelled
Acquirer
Representment Reversal,
Cash Disbursement
Non-Original
An erroneous cash disbursement
representments is cancelled
Acquirer
P
P
1
P
6
For Original Credit transaction, the interchange fee is paid by the originator to the recipient bank.
Visa Confidential
Effective: 13 May 2017
Interchange Fee Edit Criteria
4.
Interchange Fee Table Hierarchy
Interchange Reimbursement Fee (IRF) is a fee that is used as a balancing mechanism
between financial institutions involved in a transaction to grow the payment system for the
benefit of all participants. Generally, the acquirer reimburses the issuer for point-of-sale
transactions whereas the issuer reimburses the acquirer for cash and ATM transactions.
The interchange fee table hierarchy defines the order in which interchange fee programs
are assessed. Hierarchies can be defined for a specific product, funding source, network,
settlement jurisdiction and message class/subclass.
Indonesia domestic interchange fee programs comprise the following fee hierarchies.
Fee Hierarchy
National Net
Settlement
International
Settlement
Point-Of-Sale
Y
N
Cash Disbursement
Y
Y
ATM Non-Financials
N
Y
Original Credit
Y
N
Request for Copy
Y
Y
The hierarchy tables in this document illustrate the sequence interchange is assessed. The
main components of each hierarchy include the fee program, product, fee descriptor and
rate.
•
Fee Program: The category of fee descriptors where the sequence determines how
interchange is assessed in the hierarchy. For each transaction, VisaNet will assess
whether the transaction qualifies for the first fee program in the hierarchy. If it
does not, VisaNet will try for the next fee program until it reaches one which the
transaction qualifies for, failing which, the transaction will be assessed the standard
fee program
•
Product: Lists out the products that are applicable to the fee program
•
Fee Descriptor: The name of the fee program for a specific product. The same fee
descriptor can be used for multiple products.
•
Fee Rate: It can be a unit rate and/or a percentage rate. If it is a unit rate, the
currency code (e.g. USD) is shown for the rate. If it is a percentage rate, the
percentage mark (%) is shown next to the rate.
The fee programs are defined for message class Originals (sales/cash original transactions
and their reversals) and Non-Originals (credit voucher originals and their reversals, and
sales/credit voucher/cash exception items).
The hierarchies for domestic transactions are provided in this section along with the valid
fee descriptors and the order in which a transaction passes through them.
The same fee descriptor can appear in multiple hierarchies. This can happen when the edit
criteria are the same irrespective of product or funding source, etc. If the edit criteria are
different across products or funding sources, a different fee descriptor may apply.
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Indonesia Domestic IRF Guide: Visa Supplemental Requirements
4.1
Point-of-Sale (POS) Fee Hierarchy
Account Funding Source
All
Settlement
National Net
Message Class/Subclass
Purchase/Credit Voucher (Original/Non-Original)
Connection
BASE II/VIP
Product
Fee Descriptor
Fee Rate
Cashback
ID STRATEGIC 1
1.40%
N
ID STRATEGIC 2
0.55%
N
CREDIT
DEBIT
Fee Program Indicator (FPI)
All
Industry Fee Program
All
CHARITIES NN
CHARITIES NNS DB1
0.00
N
STRATEGIC SEG
STRATEGIC SEG
DB1
1.00%
N
GAS EIRF NATL
GAS EIRF NATL DB1
0.40%
N
GAS STD NATL
GAS STD NATL DB1
0.40%
N
GOV NATL
GOV NATL DB1
2,500 IDR
N
UTIL NATL
UTIL NATL DB1
5,000 IDR
N
TRANS NATL
TRANS NATL DB1
0.55%
N
RECUR-PMT-NATL
REC-PMT-NATL DB
1.60%
N
CHPAQ NN
1.50%
N
Platinum
CHPAQ NN PLAT
1.75%
N
Signature
CHPAQ NN SIG
2.02%
N
Infinite
CHPAQ NN INF
2.02%
N
CHPIS NN
1.70%
N
Platinum
CHPIS NN PLAT
1.95%
N
Signature
CHPIS NN SIG
2.02%
N
Infinite
CHPIS NN INF
2.02%
N
1.65%
N
Recurring Payment Fee Program
All
Chip Acquirer Fee Program
Classic, Gold, Electron
Chip Issuer Fee Program
Classic, Gold, Electron
E-Commerce – Non Authenticated 3D Merchant Fee Program
Classic, Gold, Electron
NONAUTHND MRCH
NONAUT MCH DB NN
Platinum
NONAU MRCH PLAT
1.65%
N
Signature
NONAU MRCH SIG
1.82%
N
Infinite
NONAU MRCH INF
1.82%
N
1.85%
N
1.85%
N
E-Commerce – Authenticated 3D Fee Program
Classic, Gold, Electron
Platinum
8
AUTHENTICTD SEC
AUTH SEC DB NNS
AUTHENT SEC PLAT
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Effective: 13 May 2017
Interchange Fee Edit Criteria
Signature
AUTHENT SEC SIG
2.02%
N
Infinite
AUTHENT SEC INF
2.02%
N
1.60%
Y2
Electronic Fee Program
Classic, Gold, Electron
EIRF/NAT SETTLED
EIRF/NATL SET DB
Platinum
PLATINUM EIRF
1.85%
N
Signature
EIRF NATL SIG
2.02%
Y2
Infinite
INFINITE EIRF
2.02%
N
BUS EIRF NATL
2.00%
Y2
Corporate
CORP EIRF NATL
2.00%
Y2
Purchasing
PUR EIRF NATL
2.00%
Y2
1.85%
Y3
Business
Standard Fee Program
Classic, Gold, Electron
NATL SETTLED
NATL SETTLED DB
Platinum
PLATINUM STD
1.85%
N
Signature
STD NATL SIG
2.02%
Y3
Infinite
INFINITE STD
2.02%
N
BUS STD NATL
2.00%
Y3
Corporate
CORP STD NATL
2.00%
Y3
Purchasing
PUR STD NATL
2.00%
Y3
Business
1 These
debit fee descriptors are only applicable for Classic, Gold and Electron.
The cashback fee amount is 2,000 IDR, paid by the issuer to the acquirer. The cashback fee descriptors are
EIRF/NAT SETT CB for applicable consumer products and BUS (or CORP or PUR) EIRF NAT CB for the respective
commercial products.
3 The cashback fee amount is 2,000 IDR, paid by the issuer to the acquirer.
The cashback fee descriptors are NATL
SETTLED CB for applicable consumer products and BUS (or CORP or PUR) STD NAT CB for the respective commercial
products.
2
4.2
Cash Disbursement Fee Hierarchy
Product
All
Settlement
National Net/International
Message Class/Subclass
Cash (Original/Non-Original)
Connection
BASE II/VIP (Network 2 & 4)
Fee Program
Misdispense
ATM Cash
Manual Cash1
1
National Net
Domestic International
Fee Descriptor
Rate
Fee Descriptor
Rate
MISDISPENSE
0.00
MISDISPENSE
0.00
ATM/NATL
SETTLED
9,000 IDR
ATM or VISA
TRAVEL MONEY
1.00 USD
NATL SETTLED
0.50%+7,500 IDR
INTL SETTLED
0.33%+1.75 USD
Network 2 only
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Indonesia Domestic IRF Guide: Visa Supplemental Requirements
4.3
ATM Non-Financials Fee Hierarchy
Product
All
Settlement
International
Message Class/Subclass
Balance Inquiry/Decline/Account Transfer/PIN Management
Connection
VIP (Network 2 & 4)
Fee Program
Fee Descriptor
Fee Rate
BAL INQ DECLINE
0.30 USD
ATM BALANCE INQ
0.30 USD
ATM DECLINE
0.30 USD
TRANSFER DECLINE
0.00
ATM TRANSFER
0.30 USD
Change
PIN CHANGE DOM
0.60 USD
Unblock
PIN UNBLCK DOM
0.60 USD
ATM Balance Inquiry
ATM Balance Inquiry – Decline
ATM Balance Inquiry
ATM Decline
ATM Decline
ATM Account Transfer
Account Transfer – Decline
Account Transfer
PIN Management
PIN
Management
4.4
Original Credit Fee Hierarchy
Product
All
Settlement
National Net
Message Class/Subclass
Credit Voucher (Original Credit)
Connection
BASE II/VIP
Fee Program
Original Credit
Fee Descriptor
Fee Rate
ORIGINAL CREDIT
750 IDR
P
4.5
Request For Copy Hierarchy
Product
All
Settlement
National Net/International
Message Class/Subclass
Request For Copy (TC52)
Connection
BASE II/VIP
Fee Program
Request For Copy – T&E
Request For Copy
10
National Net
Domestic International
Fee Descriptor
Fee Rate
Fee Descriptor
Fee Rate
NATL SETTLED FAX
50,000 IDR
INTL SETTLED FAX
25.00 USD
NATL SETTLED
5,000 IDR
STANDARD
2.00 USD
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Effective: 13 May 2017
Interchange Fee Edit Criteria
5.
Interchange Fee Edit Criteria
This section provides the edit criteria for all the fee descriptors present in the various
hierarchies. The edit criteria identify the fields that are checked in each transaction to
determine the applicable fee.
The following tables list the fee programs and the applicable edits applied to domestic
transactions settled via NNSS or International.
5.1
POS Edit Criteria
5.1.1
Fee Program Indicator (FPI)
Data Element
Clearing
BASE II TC Field
Fee Program Indicator
5.1.2
TCR1, Position 76-78
VIP Field
Value
F63.19
Must be valid as follows
ID STRATEGIC 1 (Carrefour)
ID1
ID STRATEGIC 2
ID2
Industry Fee Program
Data Element
Clearing
BASE II TC Field
Merchant Category Code
TCR0, Position 133-136
VIP Field
Value
F18
Must be valid as follows
Charities
8398
Strategic segment
4121 (taxis), 5814 (fast food),
7523 (parking lots), 7994 (video
arcades), 7542 (car washes), 7841
(DVD/Video rental), 7832
(cinemas)
Gasoline
5541, 5542
Government
9211 (court costs), 9222 (fines),
9311 (tax payments), 9399
(government not elsewhere
classified)
Utilities
4900
Transportation
4111 (ferries), 4112 (passenger
railways), 4131 (bus lines), 4784
(tolls)
Additional edit for Gasoline Electronic
POS Entry Mode
5.1.3
TCR0, Position 162-162
F22
05, 07, 90, 91, 95
Recurring Payment Fee Program
Data Element
Clearing
BASE II TC Field
POS Environment
Effective: 13 May 2017
TCR1, Position 168
VIP Field
F126.13
Visa Confidential
Value
R
11
Indonesia Domestic IRF Guide: Visa Supplemental Requirements
5.1.4
Chip Acquirer Fee Program
Data Element
Clearing
BASE II TC Field
VIP Field
Value
Reimbursement Attribute
TCR0, Position 168
F63.11
B
POS Entry Mode
TCR0, Position 162-163
F22
90, 91
POS Terminal Capability
TCR0, Position 158
F60.2
5, 8
Authorization Code
TCR0, Position 152-157
F38
Valid 6-digit value1
Central Processing Date
TCR0, Position 164-167
F15
Within 4 days of purchase date2
N/A
N/A
1, 3
N/A
N/A
Not “CC”
Chip Terminal Deployment Flag3
P
Account Range Attribute
(CONFIG)4
P
P
The last five positions of the code must not be all spaces, all zeroes or four zeroes followed by a space or N.
date, central processing date and Sundays are not counted. This edit only applies to BASE II purchase
original and reversal (TC05/TC25) transactions.
3 CONFIG flag at the Acquiring BIN level to indicate that acquirers are qualified as Chip Acquirer.
4 CONFIG flag at Account Range to indicate that the cards issued under the ranges are chip cards.
1
2 Purchase
5.1.5
Chip Issuer Fee Program
Data Element
Clearing
BASE II TC Field
VIP Field
Value
Reimbursement Attribute
TCR0, Position 168
F63.11
B
POS Entry Mode
TCR0, Position 162-163
F22
90, 91
POS Terminal Capability
TCR0, Position 158
F60.2
not 5 or 8
Authorization Code
TCR0, Position 152-157
F38
Valid 6-digit value1
Central Processing Date
TCR0, Position 164-167
F15
Within 4 days of purchase date2
N/A
N/A
“CC”
Account Range Attribute (CONFIG)3
P
P
P
The last five positions of the code must not be all spaces, all zeroes or four zeroes followed by a space or N.
date, central processing date and Sundays are not counted. This edit only applies to BASE II purchase
original and reversal (TC05/TC25) transactions.
3 CONFIG flag at Account Range to indicate that the cards issued under the ranges are chip cards.
1
2 Purchase
5.1.6
E-Commerce Non-Authenticated 3D Merchant Fee Program
Data Element
Clearing
BASE II TC Field
1
VIP Field
Value
Reimbursement Attribute
TCR0, Position 168
F63.11
0
POS Entry Mode
TCR0, Position 162-163
F22
01, 10
Mail/Phone/Electronic commerce
and Payment Indicator (MOTO/ECI)
TCR1, Position 116
F60.8
6
Authorization Code
TCR0, Position 152-157
F38
Valid 6-digit value1
P
The last five positions of the code must not be all spaces, all zeroes or four zeroes followed by a space, N, Y or P.
12
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Effective: 13 May 2017
Interchange Fee Edit Criteria
5.1.7
E-Commerce Authenticated 3D Fee Program
Data Element
Clearing
BASE II TC Field
1
VIP Field
Value
Reimbursement Attribute
TCR0, Position 168
F63.11
0
POS Entry Mode
TCR0, Position 162-163
F22
01, 10
Mail/Phone/Electronic commerce
and Payment Indicator (MOTO/ECI)
TCR1, Position 116
F60.8
5
Authorization Code
TCR0, Position 152-157
F38
Valid 6-digit value1
P
The last five positions of the code must not be all spaces, all zeroes or four zeroes followed by a space, N, Y or P.
5.1.8
Electronic Fee Program
Data Element
Clearing
BASE II TC Field
VIP Field
Value
Reimbursement Attribute
TCR0, Position 168
F63.11
B
POS Entry Mode
TCR0, Position 162-163
F22
05, 07, 90, 91, 95
Central Processing Date
TCR0, Position 164-167
F15
Within 4 days of purchase date1
1 Purchase
date, central processing date and Sundays are not counted.
original and reversal (TC05/TC25) transactions.
5.1.9
This edit only applies to BASE II purchase
Standard Fee Program
The standard fee program is the last fee program in the hierarchies. The standard rates apply to
transactions that do not meet the qualification criteria for the rest of the fee programs in the hierarchies.
5.2
Cash Disbursement Edit Criteria
5.2.1
ATM Cash
Data Element
Clearing
BASE II TC Field1
VIP Field
P
Value
Merchant Category Code
TCR0, Position 133-136
F18
6011
Response Code
TCR5, Position 35-36
F39
00 (Approved)
1 Only
applicable to dual-message acquirers.
5.2.2
Manual Cash
Data Element
Clearing
BASE II TC Field1
VIP Field
P
Value
Merchant Category Code
TCR0, Position 133-136
F18
6010
Response Code
TCR5, Position 35-36
F39
00 (Approved)
1 Only
applicable to dual-message acquirers.
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Indonesia Domestic IRF Guide: Visa Supplemental Requirements
5.3
ATM Non-Financials Edit Criteria
5.3.1
Balance Inquiry
Data Element
Authorization
VIP Field
Value
Merchant Category Code
F18
6011
Processing Code
F3, Position 1-2
30 (Balance Inquiry)
5.3.2
ATM Decline
Data Element
Authorization
VIP Field
Value
Merchant Category Code
F18
6011
Processing Code
F3, Position 1-2
01 (Cash Disbursement)
Authorization Code
F39
Not equal to 00 (Approved)
5.3.3
ATM Account Transfer
Data Element
Authorization
VIP Field
Value
Merchant Category Code
F18
6011
Processing Code
F3, Position 1-2
40 (Account Transfer)
5.3.4
PIN Management
Data Element
Authorization
VIP Field
Value
Merchant Category Code
F18
6011
Processing Code
F3, Position 1-2
70 (PIN change/unblock)
72 (PIN unblock)
Response Code
F39
Approved or applicable decline
response codes1
1 Refer to the Visa Global ATM Member Guide for the list of decline response codes that are not assessed the PIN
Management Services interchange fee.
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Effective: 13 May 2017
Interchange Fee Edit Criteria
5.4
Original Credit Edit Criteria
Data Element
Clearing
BASE II TC Field
VIP Field
Value
Transaction Code Qualifier
TCR0, Position 3
-
2
Processing Code
-
F3, Position 1-2
26 (Original Credit)
5.5
Request For Copy Edit Criteria
Request for copy (TC 52) refers to a request for a photocopy of the original paper (or microfilm) for an
interchange transaction from the merchant processing center.
Although it is reported in the VisaNet Settlement Service reports along with other interchanged
transactions, the interchange reimbursement fee for an RFC transaction is effectively a client-to-client
fee.
Refer to BASE II Clearing Interchange Formats, TC50 to TC92 for the detailed layout.
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