General Articles

• Visanet Rejection (Acquiring side of processing)
  Understanding VisaNet rejection scenarios on the acquiring side, including reject code 27 and how to prevent transaction failures.
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• Issuer Response Timeouts
  Understanding issuer response timeouts in VisaNet processing, including ATR (Assured Transaction Response), STIP processing, and how late responses affect authorization outcomes.
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• 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.
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STIP Mega Guide

A comprehensive five-part guide covering all aspects of Visa Stand-in Processing (STIP), from basic concepts to advanced advice message handling.

• 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.
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• 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.
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• 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).
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• "Issuer Available" instant declines
  Part 4 of the STIP guide: Understanding "Issuer Available" instant declines in VisaNet processing, including STIP Advice Code C scenarios and common decline response codes.
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• STIP Issuer Advice Messages
  The final part of the STIP Mega Guide: Understanding STIP issuer advice messages, advice recovery strategies, and the importance of prompt advice processing for both dual and single message endpoints.
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