Visa Europe Operating Regulations — Scheme United Kingdom and Gibraltar 15 October 2016 THIS PAGE INTENTIONALLY LEFT BLANK Summary of Changes Summary of Changes This Summary of Changes describes revisions that are included in this edition of the Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar. Significant revisions are identified by change bars. Visa Digital Enablement Program Background Effective from 20 April 2016, the Visa Digital Enablement Program is available to Issuers. Regulation Changes The following has been added: Section 1.22. Supersedes Member Letter UK 06/16 15 October 2016 VISA CONFIDENTIAL INFORMATION - Member Use Only 3 Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar THIS PAGE INTENTIONALLY LEFT BLANK About the Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar The Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar apply only to Domestic Transactions in the United Kingdom and Gibraltar. The Visa Core Rules and Visa Product and Service Rules and the Visa Europe Membership Regulations will apply to all Transactions involving Members in the United Kingdom and Gibraltar, including Domestic Transactions, unless an exception is provided in the Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar. This document must therefore be used in conjunction with the other Visa publications. Interchange Reimbursement Fees for Domestic Transactions are set out in the Interchange Reimbursement Fees, Cash Disbursement Fees and Qualification Criteria Guide. This section describes the purpose and function of the Visa Europe Operating Regulations—Scheme— United Kingdom and Gibraltar. It provides an overview of the structure and contents and explains the stylistic conventions used. Where a translation of the Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar is available and in the case of any ambiguities or inconsistencies, the wording, interpretation, intent and meaning of the original version in English will prevail. Conventions Grammar and Usage The following conventions apply with regard to grammar and usage throughout the Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar: Effective dates are inclusive. For example, “Effective until 31 December 2016” means effective until and including 23:59 on 31 December 2016 and “Effective from 1 January 2017” means effective from 00:00 on 1 January 2017. The singular means the plural, and the plural means the singular. For example: “A Merchant must …,” implies that “All Merchants must...” The masculine means the feminine, and the feminine means the masculine. For example: “A Cardholder may present his Card …,” implies that any Cardholder, regardless of gender, may present a Card. 15 October 2016 VISA CONFIDENTIAL INFORMATION - Member Use Only 5 Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar Symbols and Style In the Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar, special symbols and conventions are used as follows: Words that appear with initial capitalisation have a special meaning beyond, or in lieu of, their dictionary meaning, these terms are defined in the Visa Core Rules and Visa Product and Service Rules and Appendix B, "Defined Terms". References to other documents and sections within the document are in italics. 3-6 VISA CONFIDENTIAL INFORMATION - Member Use Only 15 October 2016 Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar Visa Europe Operating Regulations— Scheme—United Kingdom and Gibraltar 1.1 OVERVIEW . 11 1.2 MOBILE PHONE AIRTIME PRE-PAYMENT . 11 Merchant Responsibilities . 11 Card Registration Restrictions . 11 Transaction Restrictions . 11 Recurring Transactions for Pre-Paid Mobile Phone Airtime . 12 CVV2/AVS Checks After the Initial Transaction . 12 CVV2/AVS Checks For Renewed or Replaced Cards . 12 1.3 VISA CARD AND VISA ELECTRON CARD SPECIFICATIONS . 12 Visa Electron Card Issuers . 12 Visa Electron Debit Cards . 12 Account Number . 12 Debit Cards . 12 BIN Requirements . 12 Platinum Card Issuers . 13 BIN Requirements . 13 Visa Charge Card Issuers . 13 General Requirements . 13 BIN Requirements . 13 Visa Select Card Issuers . 13 General Requirements . 13 BIN Requirements . 14 Proximity Payment Device Requirements . 14 1.4 GLOBAL SUPPORT SERVICE . 14 Global Customer Assistance Services . 14 15 October 2016 VISA CONFIDENTIAL INFORMATION - Member Use Only 7 Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar 1.5 PAYMENT SERVICE STANDARDS . 14 Authorization Standards . 14 Referral Responses . 14 Minimum Monthly Approval Rates . 14 1.6 CARDHOLDER STATEMENTS . 15 1.7 NON-MEMBER REQUIREMENTS . 15 1.8 VALIDATION OF EXPIRY DATE . 15 Issuer Requirements . 15 Acquirer Requirements . 15 Merchant Category Code Requirements . 15 Certification Requirements . 16 Routing of Card Present Key Entered Transactions to Issuers . 16 1.9 ELECTRONIC COMMERCE . 16 Verified by Visa (VbV) Enrolment Policy . 17 Verified by Visa Passwords . 17 1.10 VISA ACCOUNT UPDATER . 17 1.11 UNATTENDED ACCEPTANCE TERMINALS . 17 1.12 AUTOMATED FUEL DISPENSERS . 18 1.13 CHIP CARD TRANSACTIONS . 18 Chip-Reading Devices . 18 Fallback at Point-of-Transaction Terminals . 18 Fallback at Unattended Acceptance Terminal Transactions . 18 1.14 DEBT REPAYMENTS . 19 1.15 INSTALMENT TRANSACTIONS . 19 General Requirements . 19 1.16 QUASI CASH TRANSACTIONS . 19 Gaming Chips . 19 1.17 CASH-BACK SERVICES . 19 1.18 BETTING . 20 Acceptance . 20 Payment of Winnings . ..