Indonesian Domestic IRF Guide

Indonesia Domestic IRF Guide
Visa Supplemental Requirements

Version 5.1
Effective: 21 January 2023

Visa Confidential
Important Information on Confidentiality and Copyright
© 2014 - 2022 Visa. All Rights Reserved.
Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed

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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, 5.1.5 Add/Modify • Added fee descriptors and rates for non-token downgrade
recurring transactions
• Amended edit criteria of the recurring payment fee program to
include non-token downgrade transactions
4.2, 5.2.1 Add/Modify • Introduced new Visa Flexible Rate B2B Virtual Program product ID
• Expanded list of eligible MCCs for Visa B2B Virtual Payments
• Introduced new B2B Program ID values and rates
(effective 15 October 2022)
Indonesia Domestic IRF Guide: Visa Supplemental Requirements
Contents
1. Organization of Guide ................................................................................................................................. 2

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 ................................................................................................ 9
4.2 Global Programs Fee Hierarchy ................................................................................................... 11
4.3 Cash Disbursement Fee Hierarchy ............................................................................................. 11
4.4 ATM Non-Financials Fee Hierarchy............................................................................................ 12
4.5 Original Credit Fee Hierarchy ....................................................................................................... 12
5. Interchange Fee Edit Criteria ................................................................................................................. 13
5.1 POS Edit Criteria ................................................................................................................................ 13
5.1.1 Merchant Verification Value (MVV) Fee Program ........................................................... 13
5.1.2 Fee Program Indicator (FPI) ................................................................................................. 13
5.1.3 Business Payment Solution Provider Fee Program (FPI Based) ............................. 13
5.1.4 Industry Fee Program ............................................................................................................. 13
5.1.5 Recurring Payment Fee Program ....................................................................................... 14
5.1.6 Secure Credential Framework Non-Token Downgrade Fee Program ................ 14
5.1.7 Chip Acquirer Fee Program ................................................................................................. 14
5.1.8 Chip Issuer Fee Program ....................................................................................................... 14
5.1.9 E-Commerce Non-Authenticated 3D Merchant Fee Program............................... 15
5.1.10 E-Commerce Authenticated 3D Fee Program .............................................................. 15
5.1.11 Electronic Fee Program ......................................................................................................... 15
5.1.12 Standard Fee Program ........................................................................................................... 15
5.2 Global Programs Edit Criteria ....................................................................................................... 16
5.2.1 Global B2B Virtual Payments ............................................................................................... 16
5.2.2 Global Loyalty Statement Credits ...................................................................................... 16
5.3 Cash Disbursement Edit Criteria ................................................................................................. 16
5.3.1 ATM Cash .................................................................................................................................... 16
5.3.2 Manual Cash .............................................................................................................................. 17
5.3.3 ATM Shared Deposit .............................................................................................................. 17
5.4 ATM Non-Financials Edit Criteria................................................................................................ 17
5.4.1 Balance Inquiry ......................................................................................................................... 17
5.4.2 ATM Decline............................................................................................................................... 17
5.4.3 ATM Account Transfer ........................................................................................................... 17
5.4.4 PIN Management ..................................................................................................................... 18
5.4.5 ATM Mini Statement .............................................................................................................. 18
5.5 Original Credit Edit Criteria ........................................................................................................... 18
Effective: 21 January 2023 VISA Confidential 1

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 Visa Confidential Effective: 21 January 2023

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.
Important: For the sake of simplicity in this document, client-to-client fees, including
those for Original Credits and Cash Disbursement Fees may be referred to as interchange
reimbursement fees.
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: 21 January 2023 Visa Confidential 3

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. Region code 04 is
assigned to Asia Pacific.
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. Dispute Financials.
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.

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. Region code 04 is
assigned to Asia Pacific.
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.

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 Acquirer
account
Credit Voucher1 P Non-Original A purchase return or price adjustment is Issuer
credited to a Visa account
Cash Disbursement Original Cash is disbursed from an ATM or bank Issuer
teller through a Visa or Plus card
Reversal, Sales Draft Original A purchase is cancelled by the acquirer, Issuer

usually due to a processing error
Reversal, Credit Voucher Non-Original A credit voucher is cancelled Acquirer
Reversal, Cash Original A cash disbursement submission is Acquirer
Disbursement cancelled
Dispute Financial, Sales Non-Original Used when a VCR dispute requires Issuer
Draft reallocation of funds
Dispute Financial, Credit Non-Original Used when a VCR dispute requires Acquirer
Voucher reallocation of funds
Dispute Financial, Cash Non-Original Used when a VCR dispute requires Acquirer
Disbursement reallocation of funds
Dispute Financial Reversal, Non-Original A VCR dispute requires reallocation of Acquirer
Sales Draft funds, or the reversal of a duplicate or
erroneous dispute financial transaction
Dispute Financial Reversal, Non-Original A VCR dispute requires reallocation of Issuer
Credit Voucher funds, or the reversal of a duplicate or
Dispute Financial Reversal, Non-Original A VCR dispute requires reallocation of Issuer
Cash Disbursement funds, or the reversal of a duplicate or
Dispute Response Non-Original Used when a VCR dispute requires Acquirer
Financial, reallocation of funds
Sales Draft
Dispute Response Non-Original Used when a VCR dispute requires Issuer
Credit Voucher
Dispute Response Non-Original Used when a VCR dispute requires Issuer
Cash Disbursement
Dispute Response Non-Original A VCR dispute requires reallocation of Issuer
Financial Reversal, funds, or the reversal of a duplicate or
Sales Draft erroneous dispute financial transaction
Dispute Response Non-Original A VCR dispute requires reallocation of Acquirer

Credit Voucher erroneous dispute financial transaction
Dispute Response Non-Original A VCR dispute requires reallocation of Acquirer

Cash Disbursement erroneous dispute financial transaction
1
P P For Original Credit transaction, the interchange fee is paid by the originator to the recipient bank.

Interchange Fee Table Hierarchy
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 International
Settlement Settlement
Point-Of-Sale Y N
Global Programs N Y
Cash Disbursement Y Y
ATM Non-Financials N Y
Original Credit Y N
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 credit voucher originals and their reversals.
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.

Interchange Fee Amount for Visa Claims Resolution Dispute Financial transactions:
The interchange fee amount applied to each VCR transaction will be the same fee amount
assessed to the original transaction when the full amount transaction amount is disputed.
For partially disputed amounts, the interchange fee amount applied will be proportionally
adjusted to the amount being disputed.
VCR Fee Descriptors for Dispute Financials:
Fee Descriptor Description

DISP FIN Dispute financial
DISP FIN RVRSL Dispute financial reversal
DISP RESP FIN Dispute response financial
DISP RESP RVRSL Dispute response financial reversal
VCR Fee Descriptors for Cashback Interchange Reimbursement Fees (IRFs):
Fee Descriptor Description

DISP FN CSHBK Cashback IRF for dispute financial
DISP FN RV CSHBK Cashback IRF for dispute financial reversal
DISP RS CSHBK Cashback IRF for dispute response financial
DISP RS RV CSHBK Cashback IRF for dispute response financial reversal

4.1 Point-of-Sale (POS) Fee Hierarchy

Settlement National Net
Message Class/Subclass Purchase/Credit Voucher (Original/Reversal)
Connection BASE II/VIP
Product Fee Descriptor Fee Rate Cashback
CREDIT DEBIT
Merchant Verification Value (MVV) Fee Program
Small Merchant Program (effective CPD 1 October 2022)
All STRTG MERCH CP 0.50% N
STRTG MERCH CNP 1.00% N
Fee Program Indicator (FPI)
All ID STRATEGIC 1 1.40% N
ID STRATEGIC 2 0.55% N
Business Payment Solution Provider FPI-Based Fee Program
All ID STRATEGIC A 1.40% N
ID STRATEGIC B 1.25% N
ID STRATEGIC C 1.00% N
ID STRATEGIC D 0.95% N
ID STRATEGIC E 0.85% N
ID STRATEGIC F 0.75% N
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
All Purchase amount TRANS NATL 1 TRANS NATL DB 11 0.25% N

below USD 5
Purchase amount TRANS NATL TRANS NATL DB1 0.55% N

USD 5 and above
Recurring Payment Fee Program
Token RECUR-PMT-NATL REC-PMT-NATL DB 1.60% N
Non-Token Downgrade RECUR DG 1.65% N
Secure Credential Framework Non-Token Downgrade Fee Program
Classic, Gold, Electron DOWNGRADE 1.90% N
Platinum PLAT DG 1.90% N
Signature SIG DG 2.07% N
Infinite INF DG 2.07% N

Business BUS DG 2.05% N
Corporate CORP DG 2.05% N
Purchasing PUR DG 2.05% N

Chip Acquirer Fee Program
Classic, Gold, Electron 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

Chip Issuer Fee Program
Classic, Gold, Electron 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

E-Commerce – Non Authenticated 3D Merchant Fee Program
Classic, Gold, Electron NONAUTHND MRCH NONAUT MCH DB NN 1.65% N
Platinum NONAU MRCH PLAT 1.65% N
Signature NONAU MRCH SIG 1.82% N
Infinite NONAU MRCH INF 1.82% N

E-Commerce – Authenticated 3D Fee Program
Classic, Gold, Electron AUTHENTICTD SEC AUTH SEC DB NNS 1.85% N
Platinum AUTHENT SEC PLAT 1.85% N
Signature AUTHENT SEC SIG 2.02% N
Infinite AUTHENT SEC INF 2.02% N
Electronic Fee Program
Classic, Gold, Electron EIRF/NAT SETTLED EIRF/NATL SET DB 1.60% Y2
Platinum PLATINUM EIRF 1.85% N
Signature EIRF NATL SIG 2.02% Y2
Infinite INFINITE EIRF 2.02% N
Business BUS EIRF NATL 2.00% Y2
Corporate CORP EIRF NATL 2.00% Y2
Purchasing PUR EIRF NATL 2.00% Y2
Standard Fee Program
Classic, Gold, Electron NATL SETTLED NATL SETTLED DB 1.85% Y3
Platinum PLATINUM STD 1.85% N
Signature STD NATL SIG 2.02% Y3
Infinite INFINITE STD 2.02% N
Business BUS STD NATL 2.00% Y3
Corporate CORP STD NATL 2.00% Y3
Purchasing PUR STD NATL 2.00% Y3

1 These debit fee descriptors are only applicable for Classic, Gold and Electron.

2 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.
4.2 Global Programs Fee Hierarchy

Settlement International
Message Class/Subclass Purchase/Credit Voucher (Original/Reversal)
Product Fee Descriptor Fee Rate
Global B2B Virtual Payments Fee Program (without Program ID1)
Product ID = X^ GLB B2B VTL PYMT 2.00%
Global B2B Virtual Payments Fee Program (with Program ID2)
Product ID = X B2B RGSTRD PRGM Varies based on valid Program ID

Values. Refer to the edit criteria
Product ID = X1 B2B FLXBL PRGM section.
Global Loyalty Statement Credits Fee Program
All GLB LYTL STMTCRT 0.00%

1 Where applicable, MVV and FPI fee programs take precedence over this fee program.
2 Where applicable, this fee program takes precedence over all other fee programs.
4.3 Cash Disbursement Fee Hierarchy

Settlement National Net/International
Message Class/Subclass Cash (Original/Reversal)
Connection BASE II/VIP (Network 2 & 4)
Fee Program National Net Domestic International
Fee Descriptor Rate Fee Descriptor Rate
Misdispense MISDISPENSE 0.00 MISDISPENSE 0.00
ATM Cash ATM/NATL ATM or VISA

9,000 IDR 1.00 USD
SETTLED TRAVEL MONEY
Manual Cash1 NATL SETTLED 0.50%+7,500 IDR INTL SETTLED 0.33%+1.75 USD
ATM Shared Deposit2 N/A N/A ATM DEP AP DOM 1.00 USD
1 Network 2 only.
2 Network 4 (PLUS) only.

4.4 ATM Non-Financials Fee Hierarchy

Product All
Settlement International
Message Class/Subclass Balance Inquiry/Decline/Account Transfer/PIN Management/Mini Statement
Connection VIP (Network 2 & 4)
Fee Program Fee Descriptor Fee Rate
ATM Balance Inquiry
ATM Balance Inquiry – Decline BAL INQ DECLINE 0.30 USD
ATM Balance Inquiry ATM BALANCE INQ 0.30 USD
ATM Decline
ATM Decline ATM DECLINE 0.30 USD
ATM Account Transfer
Account Transfer – Decline TRANSFER DECLINE 0.00
Account Transfer ATM TRANSFER 0.30 USD
PIN Management
PIN Change PIN CHANGE DOM 0.60 USD

Management
Unblock PIN UNBLCK DOM 0.60 USD
ATM Mini Statement ATM MIN STMT 0.30 USD
4.5 Original Credit Fee Hierarchy

Product All
Settlement National Net
Message Class/Subclass Original Credit
Fee Program Fee Descriptor Fee Rate
Original Credit ORIGINAL CREDIT 750 IDR

P

Interchange Fee Edit Criteria
5. Interchange Fee Edit Criteria

5.1 POS Edit Criteria
5.1.1 Merchant Verification Value (MVV) Fee Program
Data Element Clearing
BASE II TC Field VIP Field Value
Merchant Verification Value TCR5, Position 82-91 F62.20 Must be valid1
Central Processing Date TCR0, Position 164-167 F15 Within 3 days of purchase date2 P
POS Entry Mode TCR0, Position 162-163 F22 Card Present: 05, 07, 90, 91, 95
Card not Present: 01, 10
1 To qualify for the fee program, a valid MVV must be present. If not, the transaction will be treated as non-MVV
transaction. Acquirer will receive reclassification advice with reason code 4E (invalid MVV). Application required,
please contact your Visa representative for information.
2 Purchase date, central processing date and Sundays are not counted.
5.1.2 Fee Program Indicator (FPI)

Fee Program Indicator TCR1, Position 76-78 F63.19 Must be valid as follows
ID STRATEGIC 1 (Carrefour) ID1
ID STRATEGIC 2 (airport tax) ID2
5.1.3 Business Payment Solution Provider Fee Program (FPI Based)

Fee Program Indicator TCR1, Position 76-78 F63.19 As follows
ID STRATEGIC A IDA
ID STRATEGIC B IDB
ID STRATEGIC C IDC
ID STRATEGIC D IDD
ID STRATEGIC E IDE
ID STRATEGIC F IDF
This program is applicable only to merchants registered as BPSPs.
5.1.4 Industry Fee Program

Merchant Category Code TCR0, Position 133-136 F18 Must be valid as follows
Charities 8398
Strategic segment 4121, 5814, 7523, 7994, 7542, 7841, 7832
Gasoline 5541, 5542
Government 9211, 9222, 9311, 9399

Utilities 4900
Transportation 4111, 4112, 4131, 4784
Additional edit for Gasoline Electronic
POS Entry Mode TCR0, Position 162-162 F22 05, 07, 90, 91, 95
5.1.5 Recurring Payment Fee Program

POS Environment TCR1, Position 168 F126.13 R
Additional Token TCR 1, Position 122 F44.3 1 (Token)
Response Information NOT 1 (Non-Token Downgrade)
5.1.6 Secure Credential Framework Non-Token Downgrade Fee Program

POS Entry Mode TCR0, Position 162-163 F22 01, 10
POS Environment1 TCR1, Position 168 F126.13 C, I
Additional Token Response TCR 1, Position 122 F44.3 NOT 1

Information
1 Validated only when POS Entry Mode is 01.
5.1.7 Chip Acquirer Fee Program

Reimbursement Attribute TCR0, Position 168 F63.11 B
POS Terminal Capability TCR0, Position 158 F60.2 5, 8
Authorization Code TCR0, Position 152-157 F38 Valid 6-digit value1 P
Central Processing Date TCR0, Position 164-167 F15 Within 4 days of purchase date2
Chip Terminal Deployment Flag3 P N/A N/A 1, 3
Account Range Attribute (CONFIG)4 P N/A N/A Not “CC”

1 The last five positions of the code must not be all spaces, all zeroes or four zeroes followed by a space or N.
2 Purchase 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.
5.1.8 Chip Issuer Fee Program


POS Terminal Capability TCR0, Position 158 F60.2 not 5 or 8
P
Account Range Attribute (CONFIG)3 P N/A N/A “CC”

1 The last five positions of the code must not be all spaces, all zeroes or four zeroes followed by a space or N.
3 CONFIG flag at Account Range to indicate that the cards issued under the ranges are chip cards.
5.1.9 E-Commerce Non-Authenticated 3D Merchant Fee Program

Reimbursement Attribute TCR0, Position 168 F63.11 0
Mail/Phone/Electronic commerce TCR1, Position 116 F60.8 6

and Payment Indicator (MOTO/ECI)
1 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.
5.1.10 E-Commerce Authenticated 3D Fee Program

Reimbursement Attribute TCR0, Position 168 F63.11 0
Mail/Phone/Electronic commerce TCR1, Position 116 F60.8 5

and Payment Indicator (MOTO/ECI)
1 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.
5.1.11 Electronic Fee Program

POS Entry Mode TCR0, Position 162-163 F22 05, 07, 90, 91, 95
5.1.12 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 Global Programs Edit Criteria

5.2.1 Global B2B Virtual Payments
This fee program is only valid for credit, prepaid and deferred debit account funding source.

Product ID TCR5, Position 136-137 F62.23 X^
Merchant Category Code TCR0, Position 133-136 F18 3000-3350, 3351-3500, 3501-
3999, 4111, 4112, 4121, 4131,
4411, 4511, 4582, 4722, 4789,
5812, 5813, 5814, 5962, 5992,
6513, 7011, 7012, 7032, 7033,
7298, 7512, 7513, 7519, 7832,
7922, 7991, 7992, 7996, 7997,
7999, 9399
Program ID Value1 and N/A N/A A1 (0.80%) A9 (1.10%)
rates A2 (1.00%) B1 (1.30%)
(for registered program A3 (1.20%) B2 (1.50%)
and flexible rate product) A4 (1.40%) B3 (1.70%)
A5 (1.60%) B4 (1.90%)
A6 (1.80%) B5-B9 (TBA)
A7 (2.00%) C1-C3 (TBA)
A8 (0.90%)
1 Valid ARDEF table values used by the Visa B2B Virtual Payments issuers to identify, as needed, the product
program offering associated with a unique B2B Virtual Payments product account range.
5.2.2 Global Loyalty Statement Credits

Business Application TCR3, Positions 15-16 F104, Usage 2 Dataset LO
Identifier (BAI) or 19-20 Hex57 Tag 1
Sender Data N/A Field 104, Usage 2, VDMMRTTC10 (Loyalty MRT TC10)
Dataset ID 5F, Tag 01 Or
VDMMRTLOYL (Loyalty MRT LOYL)
5.3 Cash Disbursement Edit Criteria

5.3.1 ATM Cash
BASE II TC Field1
P VIP Field 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.

5.3.2 Manual Cash

BASE II TC Field1
P VIP Field 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.
5.3.3 ATM Shared Deposit

VIP Field Value
Merchant Category Code F18 6011
Processing Code F3, Position 1-2 21 (Deposit)
5.4 ATM Non-Financials Edit Criteria

5.4.1 Balance Inquiry
Data Element Authorization
VIP Field Value
Processing Code F3, Position 1-2 30 (Balance Inquiry)
5.4.2 ATM Decline

VIP Field Value
Processing Code F3, Position 1-2 01 (Cash Disbursement)
Authorization Code F39 Not equal to 00 (Approved)
5.4.3 ATM Account Transfer

VIP Field Value
Processing Code F3, Position 1-2 40 (Account Transfer)

5.4.4 PIN Management

VIP Field Value
Processing Code F3, Position 1-2 70 (PIN change/unblock); 72 (PIN unblock)
Response Code F39 Approved or applicable decline response codes1

1 Referto the Visa Global ATM Member Guide for the list of decline response codes that are not assessed the PIN
Management Services interchange fee. Additionally, transactions with decline response codes 57 and 58 are also
not assessed this fee.
5.4.5 ATM Mini Statement

VIP Field Value
Processing Code F3, Position 1-2 34
Response Code F39 00
5.5 Original Credit Edit Criteria

Transaction Code Qualifier TCR0, Position 3 - 2
Processing Code - F3, Position 1-2 26 (Original Credit)

Indonesian Domestic IRF Guide

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Visa Supplemental Requirements

Effective: 21 January 2023

© 2014 - 2022 Visa. All Rights Reserved.

Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed

1. Organization of Guide ................................................................................................................................. 2

Effective: 21 January 2023 VISA Confidential 1

2 Visa Confidential Effective: 21 January 2023

Effective: 21 January 2023 Visa Confidential 3

4 Visa Confidential Effective: 21 January 2023

3.2 International Settlement

International settlement can be used to settle domestic or international transactions.

3.3 Steps taken to determine Interchange

Effective: 21 January 2023 Visa Confidential 5

Table 3–1: Settlement Flow by Transaction Type

Transaction Message Class Description of Transaction Interchange

Reversal, Sales Draft Original A purchase is cancelled by the acquirer, Issuer

Dispute Response Non-Original A VCR dispute requires reallocation of Acquirer

Dispute Response Non-Original A VCR dispute requires reallocation of Acquirer

6 Visa Confidential Effective: 21 January 2023

4. Interchange Fee Table Hierarchy

Effective: 21 January 2023 Visa Confidential 7

VCR Fee Descriptors for Dispute Financials:

Fee Descriptor Description

VCR Fee Descriptors for Cashback Interchange Reimbursement Fees (IRFs):

Fee Descriptor Description

8 Visa Confidential Effective: 21 January 2023

4.1 Point-of-Sale (POS) Fee Hierarchy

Message Class/Subclass Purchase/Credit Voucher (Original/Reversal)

Connection BASE II/VIP

Product Fee Descriptor Fee Rate Cashback

Merchant Verification Value (MVV) Fee Program

Small Merchant Program (effective CPD 1 October 2022)

All STRTG MERCH CP 0.50% N

STRTG MERCH CNP 1.00% N

Fee Program Indicator (FPI)

All ID STRATEGIC 1 1.40% N

Business Payment Solution Provider FPI-Based Fee Program

All ID STRATEGIC A 1.40% N

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

All Purchase amount TRANS NATL 1 TRANS NATL DB 11 0.25% N

Purchase amount TRANS NATL TRANS NATL DB1 0.55% N

Recurring Payment Fee Program

Token RECUR-PMT-NATL REC-PMT-NATL DB 1.60% N

Non-Token Downgrade RECUR DG 1.65% N

Secure Credential Framework Non-Token Downgrade Fee Program

Classic, Gold, Electron DOWNGRADE 1.90% N

Platinum PLAT DG 1.90% N

Signature SIG DG 2.07% N

Infinite INF DG 2.07% N

Effective: 21 January 2023 Visa Confidential 9

Business BUS DG 2.05% N

Corporate CORP DG 2.05% N

Purchasing PUR DG 2.05% N

Platinum CHPAQ NN PLAT 1.75% N

Signature CHPAQ NN SIG 2.02% N

Infinite CHPAQ NN INF 2.02% N

Platinum CHPIS NN PLAT 1.95% N