Education Series

The articles below give information on important VisaNet services, as well as highlighting common scenarios that cause a huge amount of transaction failures.

• Visanet Rejection (Acquiring side of processing)

  Understanding VisaNet rejection scenarios on the acquiring side, including reject code 27 and how to prevent transaction failures. The first in a series of educational articles on common Visanet processing issues.

• Issuer Response Timeouts

  Understanding issuer response timeouts in VisaNet processing, including ATR (Assured Transaction Response), STIP processing, and how late responses affect authorization outcomes. Part 2 of the education series.

• The Journey of a Transaction

  Understanding the end-to-end journey of a payment transaction from acquirer to issuer, covering seven scenarios and five possible points of failure in VisaNet processing. Part 3 of the education series.

• STIP right now, thank you very much!

  Part 1 of the STIP guide: Understanding Visa Stand-in Processing, including general STIP services for processing, PIN verification, CVV, CAM, CAVV, and ASAF. Part 4 of the education series.

• Stand-In Spending limits (including Smarter STIP)

  Part 2 of the STIP guide: Understanding spending limit controls in STIP, including VIP STIP and Smarter STIP with AI-powered decisioning. Part 5 of the education series.

• STIP Risk Tools

  Part 3 of the STIP guide: Understanding risk control tools in STIP, including Visa Advanced Authorization (VAA), VAA STIP, and Visa Risk Manager (VRM). Part 6 of the education series.