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Notice of Confidentiality
This presentation is furnished to you solely in your capacity as a customer of Visa Inc.
and/or a participant in the Visa payments system. By accepting this presentation, you
acknowledge that the information contained herein (the “Information”) is confidential
and subject to the confidentiality restrictions contained in Visa’s operating regulations
and/or other confidentiality agreements, which limit your use of the Information. You
agree to keep the Information confidential and not to use the Information for any
purpose other than in your capacity as a customer of Visa Inc. or as a participant in
the Visa payments system. The Information may only be disseminated within your
organization on a need-to-know basis to enable your participation in the Visa
payments system. Please be advised that the Information may constitute material
nonpublic information under U.S. federal securities laws and that purchasing or
selling securities of Visa Inc. while being aware of material nonpublic information
would constitute a violation of applicable U.S. federal securities laws.
3 ©2021 Visa. All rights reserved. Visa confidential
Any Visa features, functionality, geographic availability, implementation, and
schedules may be amended, updated or canceled at Visa’s discretion. Participation in
services are subject to Visa’s terms and conditions in program participation
agreements and associated documentation. Use of APIs in production is subject to
Visa’s review and approval.
This presentation includes programs, concepts and details under continuing
development by Visa. Depictions may be illustrative only and capabilities and features
may require development, implementation and resources by you based on your
business and operational details. All brand names and logos are the property of their
respective owners, are used for identification purposes only, and do not imply
product endorsement or affiliation with Visa.
 Visa Fleet 2.0

4
March 2021 ©2021 Visa. All rights reserved. Visa confidential
Higher Authorization Limits
for AFDs
Effective 17 October 2020, Visa
implemented higher authorization limits for
automated fuel dispenser transactions
acquired by U.S. fuel merchants.
As part of Visa’s ongoing efforts to be the best way to pay and to take
advantage of EMV® deployments at automated fuel dispensers (AFDs)
in the U.S., effective 17 October 2020, Visa increased the authorization
limits for U.S.-acquired AFD $1 status check authorization transactions,
regardless of country of card issuance.
43
5 ©2021 Visa. All rights reserved. Visa confidential
Increased U.S. AFD Authorization Limits
The increased AFD $1 status check authorization limits are USD $125
for non-Fleet cards and USD $350 for Fleet cards. These new
authorization limits only apply to transactions that are both:
• Chip-on-chip (EMV card used at AFD which is EMV chip enabled)
• Partial authorization participating (Fuel Merchant is supporting
Partial Authorization
Authorization limits will remain at USD $100 for non-Fleet cards and
USD $150 for Fleet card transactions that do not meet both specified
criteria.
Issuers will continue to be liable for transactions up to these limits.
Issuers can initiate a dispute under Reason Code 11.3—No
Authorization for the difference of any final transaction amounts that
exceed these limits.
Visa’s Fleet 2.0 Initiative

6
 Visa Fleet 2.0
Features

Visa Fleet Chip Host-Based product Transaction messaging Data quality platform
Enhancements & VisaNet controls data expansion
Improved fuel transaction data
changes to support quality monitoring through an
Enables dynamic product level Real-time availability of information
purchase restrictions for fuel type (and decisioning) to Issuers and advanced data quality platform
Enables additional information and that monitors both auth and
and non-fuel item categories to Fleet Clients by additional data
control for fleet clients through clearing data
override chip card settings in auth available in auth and clearing
cardholder prompts and product
response messages
level restrictions

7
6 Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion. ©2021 Visa. All rights reserved. Visa confidential
 Visa Fleet Visa Fleet Chip Enhancement leverages a
Conexxus/IFSF industry standard fleet
Chip Enhancement approach to support additional functionality.

Visa utilizes a variety of methods, including a data Benefits for Issuing Banks Benefits For Fuel Merchants / Oil Companies
quality platform using artificial intelligence-driven • Improved accuracy of enhanced data • Ease of Implementation of Visa Fleet 2.0:
technology, to efficiently review data against published increases reconciliation capabilities for
data rules and requirements, identifies data anomalies corporate clients and cardholders • Leverages standard Visa Chip
and encourages data providers (i.e., Acquirers, (Visa Standard Debit Credit)
Merchants, etc.) to remediate issues, escalating with AID currently supported
rules management/compliance if necessary, based on Benefits for Acquiring Banks
responsiveness of data provider. • Feedback regarding data elements • Leverages the Conexxus and
provides opportunities to improve IFSF industry standard
accuracy of data developed jointly with
Fleet data quality includes validating enhanced fuel data Merchants, oil cos, and
fields in the authorization and clearing & settlement • Increased trust from issuing banks and Industry equipment/software
files such as: corporates which can lead to improved suppliers

• Driver/Vehicle/Generic ID purchasing behavior • Potential interchange savings vs closed

loop acceptance costs
• Odometer Reading
Benefits for Visa • Expanded authorization dispute
• Quantity, Gross Fuel Price, Non-Fuel Price protection limit of $350 for AFD
• Enforcement of data standards results in
• Unit of Measure, Service Type improved accuracy of data flowing terminals that support chip-on-chip and
through the Visa systems partial authorizations
• Line-item detail on Non-Fuel products

8 *Note: Existing TCR 3 with the business format code FL (Fleet service) is not impacted and will remain in use during migration overtime from FL to FT ©2021 Visa. All rights reserved. Visa confidential
Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion.
Visa Fleet Visa Fleet Chip Enhancement leverages
an industry standard fleet approach to
Chip Enhancement support additional functionality.

Global Industry Restrictions Additional

Specification Standards & Flexibility Prompts
Based on petroleum retail industry Advanced purchase restrictions Additional prompts available such
Global specification that can be
standard IFSF/Conexxus (DF32) and prompting (DF30) as Work Order Number, Trailer
used in conjunction with Visa
specifications developed by leading flexibility: Number, Employee Number, etc.;
standard EMV (Visa Smart Debit
oil companies and retail fuel Restrict/enable cardholder fuel changes being made to VisaNet
Credit AID) along with a Fleet •
software & equipment suppliers purchases at POS auth & clearing records to support
Indicator (ASRPD)
these fields (in clearing: New
• Restrict/enable cardholder non- TCR3 Fleet FT format record
fuel purchases at POS will be available)

Conexxus is a non-profit, member-led technology organization International Forecourt Standards Forum (IFSF) forum of
that focuses on the development and implementation of international petroleum retailers with the common objective of
standards, technologies innovation and advocacy for the harmonization of equipment interconnectivity and communication
convenience store and petroleum market. standards for use in Petroleum Retail.

9 All brand names, logos and/or trademarks do not indicate product endorsement or affiliation with Visa, are the property of their respective owners, and are used for identification purposes only. ©2021 Visa. All rights reserved. Visa confidential
Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion.
Host-Based Purchase Two new required fields in VisaNet to support Host-Based Purchase Restrictions:

Restrictions
• Fuel Merchants communicate their ability to support dynamic real-time purchase restrictions
by a (1) purchase restrictions flag field (N1) when they send in the pre-auth or auth message
• Purchase restrictions are sent back in the transaction’s auth response message in the
(2) host-based purchase restrictions field (B16) utilizing the exact same Chip Card Connexus
Coding (hexadecimal value string) for purchase restrictions found normally in tag DF32

Auth sent containing the Issuer reviews the flag and determines
1 2
(1) purchase restrictions to send back host-based purchase
1 flag field (N1)
Fuel restrictions as needed
Merchant
Acquirer Issuer/Processor

Merchant overrides chip card Auth response sent containing (2) host-based
4 3
restrictions with host-based purchase restrictions field (B16) for the merchant
purchase restrictions (if present) to action and override the Chip card restrictions

Note: Product Restrictions Flag can reside on Authorization, Related Advice and Completion Messages; Host Based Product Restriction Details can reside on all related response messages
10 Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion. ©2021 Visa. All rights reserved. Visa confidential
Use of Visa Fleet Card with
Fuel Merchants – AFD Flow

Step 1 Driver taps, swipes or dips Visa Fleet Step 4 Fuel Merchant prompts Driver to
Card at Fuel Merchant’s AFD enter required prompted data and/or
restricts purchases

Step 2 Fuel Merchant’s POS identifies the

Card as Fleet by Designated Fleet BIN Step 5 Driver enters prompted information
Pools and Identifies a Full Chip
Solution using the ASRPD tag
Step 6 Fuel Merchant sends Authorization
Message to Acquirer
Step 3 Fuel Merchant reads Fleet
Instructions on mag stripe track 2 or
tag 57 of EMV Chip Step 7 After approval, AFD is authorized
and Driver selects fuel type and
Fleet 2.0 (new) begins pumping
For full chip solutions read Tag 30
prompting and Tag 32 purchase
restrictions

38
11
Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion ©2021
©2021Visa. AllAll
Visa. rights reserved.
rights Visa
reserved. confidential
Visa confidential
Use of Visa Fleet Card with Fuel
Merchants – In-Store Flow
Pre-pay Fuel (before pumping) – majority of stations across the US:

Step 1 Driver goes In-Store; taps, swipes or Step 4 Fuel Merchant prompts Driver to
dips Visa Fleet card at Fuel enter required prompted data and/or
Merchant’s POS for specific amount restricts purchases
of fuel payment and any other
non-fuel items for purchase Step 5 Driver enters prompted information

Step 2 Fuel Merchant’s POS identifies the
Card as Fleet by Designated Fleet BIN
Pools and identifies as a Full Chip
Solution using the ASRPD tag
Step 3 Fuel Merchant reads Fleet
Instructions on Mag Stripe Track 2 or
Tag 57 of EMV Chip
Fleet 2.0 (new):
For Full Chip Solutions read Tag 30
Prompting and Tag 32 Purchase
restrictions
Step 6 Fuel Merchant sends Authorization
Message to Acquirer
After approval, AFD is authorized,
Step 7
and Driver selects fuel type and
begins pumping and transaction is
complete for the driver
Fleet 2.0 (new):
0120/0220 currently sent for AFD,
now 0120 is also required for In-Store

40
12
Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion ©2021
©2021Visa. AllAll
Visa. rights reserved.
rights Visa
reserved. confidential
Visa confidential
Updated Data Requirements Fleet 2.0 Requirement Fields available for Prompting Not available to pass

0100 Pre-Auth (AFD) 0120 Confirmation 0200 Full Financial TC05 Clearing Record &
AFD (MCC 5542) & or Auth (In-Store) Advice; (0210 Full Financial TC50 Enhanced Data Record
(0110 Pre-Auth/Auth 0220 Pre-Auth Response)
In-Store (MCC 5541) notes: Response) Completion Advice

Field Name Authorization Location Requirement Requirement Requirement Clearing Location Requirement
• Items in dark grey are Fleet 2.0
Type of Purchase Field 104, dataset 5C, tag 01 TC05, TCR3
requirements for fields to be passed
Service Type Field 104, dataset 5C, tag 02 TC05, TCR3
Fuel Type Field 104, dataset 5C, tag 03 TC05, TCR3, FL
• 7 fields in light blue are now available for Expanded Fuel Type Field 104, dataset 5C, tag 1F10 TC05, TCR3, FT
prompting (Odometer, Vehicle ID/Driver Unit of Measure Field 104, dataset 5C, tag 04 TC05, TCR3
ID/Generic ID, Fleet Work Order Number, Quantity Field 104, dataset 5C, tag 05 TC05, TCR3
Unit Cost Field 104, dataset 5C, tag 06 TC05, TCR3
Fleet Employee Number, Fleet Trailer
Gross Fuel Price Field 104, dataset 5C, tag 07 TC05, TCR3
Number, Fleet Additional Data 1, Fleet
Gross Non-Fuel Price Field 104, dataset 5C, tag 09 In-Store Only TC05, TCR3
Additional Data 2)
–
Odometer Reading Field 104, dataset 5C, tag 0B TC05, TCR3
Field 104, dataset 5C, tag 1F01
• 0120/0220 currently sent for AFD, now 0120 Non-Fuel Product Code 1 thru 8 TC05, TCR6
thru 1F08
is also required for In-Store (applies to Visa Fleet Service
Field 48, dataset 5C, usage 36 TC05, TCR6
(Vehicle ID/Driver ID/Generic ID)
Auth Only/Dual Message transactions) Fleet Work Order Number Field 62.7 TC05, TCR1
Fleet Employee Number Field 104, dataset 5C, tag 1F11 TC05, TCR3, FT
• TC05, TCR3, now has a New FT format in Fleet Trailer Number Field 104, dataset 5C, tag 1F12 TC05, TCR3, FT
clearing supporting additional prompted Fleet Additional Prompted Data 1 Field 104, dataset 5C, tag 1F13 TC05, TCR3, FT
EMV fields Fleet Additional Prompted Data 2 Field 104, dataset 5C, tag 1F14 TC05, TCR3, FT
Purchase Restrictions Flag Field 125, dataset 6B, tag 0D 0100 0200
Host-Based Purchase Restrictions Field 125, dataset 6B, tag 0E 0110 0210
• TC50 Invoice now required for (non-fuel)
TC50 Invoice Level Data (Header/Summary and Line-Item Detail)
and (fuel + non-fuel combo) Item Descriptor for Purchase TC50, TCR0, Purch L
Product Code TC50, TCR0, Purch L
• Transactions with fuel only do not require Commodity Code TC50, TCR0, Purch L
TC50 Quantity TC50, TCR0, Purch L
Unit of Measure TC50, TCR0, Purch L
• Parties should plan to begin using Unit Cost TC50, TCR0, Purch L
Discount Per Line Item TC50, TCR0, Purch L
Expanded Fuel Type field (in Auth & Line-Item Total TC50, TCR0, Purch L
Clearing) starting in Oct 2021

37
13 Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion. ©2021 Visa. All rights reserved. Visa confidential
Fleet 2.0 Timeline and Key Actions Issuers and Processors All Merchants & Acquirers

Visa 2020 Key Actions Visa Mandatory Oct 2021

Optional Oct 2021;
Mandatory April 2022
Clearing: Support receiving the
Version 2: Tech Letter for April 2021 new TCR3 Fleet “FT” Record Type
BER Release (Dec 17) VisaNet Release to continue receiving Fleet Level II
April 2021, Changes Enhanced Data and obtain new
Clearing: Support sending the
going in for VIP and EMV fields *
new TCR3 Fleet “FT” Record Type
BASE II to lay the
for Enhanced Data and new EMV
Fleet 2.0 U.S. Implementation foundation • Authorization: Support
fields *
Guide Published Changes for Field 104, 125,
• Authorization: 62.7, 48; 0120 for In-Store
• Authorization: Support
Updates to Field: Changes for Field 104, 125,
Visa Business News 104/125/62.7/48 • Support receiving additional
62.7, 48; 0120 for In-Store
Data flowing in Authorization
(VBN) Notification to
messages
U.S. Issuers, • Clearing: New Fleet • Support sending additional
Merchants, Acquirers, “FT” Record Type in Data flowing in Authorization
• New Issued cards must utilize
Processors (Feb 11) Clearing messages
the VFCE with ASRPD tag
Version1: Tech Letter for
April 2021 BER Release Note: Acquirers and • New Issued cards must utilize
• Update Platforms supporting
Issuers should not the VFCE with ASRPD tag
Version 3: Tech card program
Letter for April implement these
• Support Host-Based Purchase
2021 BER Release changes as part of the • Optional: Host-Based
EMV 1.0 (VFCE) Restrictions
(March 11) April 2021 release. Purchase Restrictions
Spec Finalized

2020 Apr Oct Dec 2021 Feb Mar Apr Oct 2022 Apr

*Note: Existing TCR 3 with the business format code FL (Fleet service) is not impacted and will remain in use during migration overtime from FL to FT ©2021 Visa. All rights reserved. Visa confidential
14 Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion.
Merchants: Fleet 2.0 Changes Required
Frequently Asked Questions
What is the benefit to me
as a merchant?
15 Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion
Leverages the Conexxus and IFSF industry standard developed jointly with Merchants, Oil
Companies, and Industry equipment/software suppliers all involved. This standard will be adopted
within the industry.
Potential interchange savings vs closed loop acceptance costs
Implementing Visa Fleet 2.0 leverages the standard Visa Chip (Visa Standard Debit Credit) AID
currently supported. No new kernel needed.
Potential Increased fleet revenue from increased Visa Fleet usage. Fleet clients are looking for these
key capabilities from open loop fleet cards:
• Providing fleet customer, the ability to pay at every station
• Controls to minimize fraud/unauthorized use; additional data for critical client business processes
• Host-Based Product Restrictions
• Better data quality and interchange will potentially attract more issuers, resulting in increased
volumes
Allowing a merchant, the ability to potentially achieve a higher volume of credit price transaction vs
cash price by shifting volume away from closed loop cards.
©2021 Visa. All rights reserved. Visa confidential
Merchants: Fleet 2.0 Changes Required
Frequently Asked Questions
Why do I need to update my POS
to support the Fleet 2.0?
What is the purpose of the new
fields at the POS?
Why do I have to provide
additional data in Authorization
that is already in Clearing?
Why do I have to provide a 0120-
confirmation advice for In-Store
transactions?
16 Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion
Visa is launching Visa Fleet 2.0 as an enhancement to the current Visa Fleet product platform. Visa
Fleet 2.0 will equip commercial clients with more granular product category level controls on their
fleet cards, as well as more enhanced data and the ability to receive enhanced data quicker for real-
time business decisions. These enhancements will allow Visa Issuers and Merchants to boost
competitiveness in the rapidly changing landscape of employee mobility, embrace EMV technology
at the fuel pumps in the U.S., and accelerate growth in the Fuel/Fleet payment card Industry.
If you are an EMV enabled merchant, you are required to support Fleet 2.0.
Providing additional prompts and purchase restrictions at the POS allows for more
flexibility/capability for organizations to manage the fleet program overall.
Providing additional data in Authorization enables real-time availability of information (and
decisioning) to Issuers and fleet clients which allows market competitiveness. Providing data in
clearing support the critical business and process flows for downstream activities (i.e., business
reporting, expense management, etc.) that clients rely on.
Providing a 0120-confirmation advice for In-Store transactions enables real-time availability of
information (and decisioning) to Issuers and Fleet Clients which allows market competitiveness.
©2021 Visa. All rights reserved. Visa confidential
Merchants: Fleet 2.0 Changes Required
Frequently Asked Questions
Do I need a new EMV Kernel?
Do I need to get a new EMV
Certification?
When should I make these changes?
When will the first cards be in the
market?
My organization is working on this but,
what if I am not ready by April 2022?
What if I don’t do anything at all?
17 Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion
No, Fleet 2.0 uses the standard existing EMV Kernels.
No new EMV certification is required, there is some additional level 3 regression testing
(MerchantAcquirer) just to validate the correct behavior of the terminal.
All parties must start discussing/planning to work on the changes. Effective with the
October 2021 release, Merchants/Acquirers may begin to implement these changes.
Merchants/Acquirers must support the changes by April 2022.
Issuers will be issuing new cards starting Oct 2021.
Fleet 2.0 cards are issued to be backward compatible (with Mag stripe and Tag 57) to
provide time for merchants to make changes. Please work with your Acquirer and their
Visa representative on any timeline challenges.
If you have not made the changes by April 2022, your fleet clients will not benefit from the
Fleet 2.0 capabilities.
As a Visa Merchant/Acquirer you will be out of compliance and be at a competitive
disadvantage.
©2021 Visa. All rights reserved. Visa confidential
Merchants: Fleet 2.0 Changes Required
Frequently Asked Questions
What other documentation is
available to help me work
through this process?
What progress to support Fleet
2.0 has occurred?
18 Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion
Visa Business Solutions released the Visa Fleet 2.0 Implementation Guide (1.0) in
Dec 2020. Visa also published a Visa Fleet Chip Enhancement Specification (1.1) in
Dec 2020. Both documents are available on Visa Online for Acquirers, Issuers and
Processors to obtain as well as at the following technology partner site:
https://technologypartner.visa.com/
Verifone/NCR/Gilbarco/Wayne – discussions, planning and roadmap commitment
underway and Visa actively working and closely monitoring progress
• Issuer education
• Acquirer education
• Webinars
• Visa Business News
• U.S. Payment Forum
©2021 Visa. All rights reserved. Visa confidential
 Questions and Answers

19
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We appreciate your feedback!

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For further details or additional specific
sessions, contact your Visa Account
Representative

Thank you for Participating!

21
Appendix

22
VisaNet changes to support Fleet Chip Enhancements
(Acquirers)

Authorization: Field 104 which contains all the L2 Fleet Field 125 which contains additional L2 Field 48 (Driver ID/Vehicle ID/Generic ID) will
Enhanced data is being updated: Fleet Enhanced data is being updated: be provided in various authorization
messages:
• New EMV fields for prompting are • Certain fields are being deleted
being added: Fleet: Trailer #, • Authorization advice 0120 will now
Employee #, Additional Prompted • Host-Based Purchase Restriction flow in for both AFD and In-Store
Data 1 & Additional Prompted Data 2 fields are being added (Fuel and Non-Fuel) purchases

• Expanded Fuel Type to be used going Field 62.7 will now contain the
forward (both Fuel Type / Expanded Fuel Type Purchase Identifier (to support the Fleet Work
will require to be supported in the interim) Order Number) in various authorization
messages
• Certain fields are being deleted
(not used/required)

Clearing: New clearing TCR3 fleet industry Expanded Fuel Type to be used going
record FT format* with new EMV fields: forward (both Fuel Type / Expanded Fuel
Fleet Trailer #, Employee #, Additional Type will require to be supported in the
Prompted Data 1 & Additional interim), certain fields (not used/required)
Prompted Data 2; are being deleted in FT format.

29
23 *Note: Existing TCR 3 with the business format code FL (Fleet service) is not impacted and will remain in use during migration overtime from FL to FT. This slides reflects future capabilities and functionality that is subject to change at Visa's discretion. ©2021 Visa. All rights reserved. Visa confidential
Fuel: US Authorization and
©2019 Visa. All rights reserved. Visa confidential

Clearing Models – AFD

AFD Standard Model AFD Real-Time Clearing Model

80-90% of All AFDs Real-Time Clearing Merchants (i.e., Truck Stops)

• Buyer: Swipes card
• Merchant: Auth $1
• Acquirer: 0100 Pre-Auth
• Issuer: 0110 Approval Response
• 2 Options:
• Issuer can provide approval for
full $150 (fleet card amount)
($350 chip read)
• Issuer can provide partial approval
for a portion of $150 (or $350 chip
read)
• Buyer: Fueling process completed
• 0120 confirmation advice sent
(15 minutes – 2 hours)
• Acquirer: Clearing transaction (TC05) sent in
batch end of day for Clearing & Settlement
• Buyer: Swipes card
• Merchant: Auth is a custom $XXX amount
(merchant decides)
• Acquirer: 0100 Pre-Auth
• Issuer: 0110 Approval Response
• 2 Options:
• Issuer can provide approval for full custom
amount $XXX (fleet card amount)
• Issuer can provide
partial approval for a portion of $XXX
• Buyer: Fueling process completed
• 0220 Full-service completion message
(authorization and clearing information together)
sent (15 minutes – 2 hours)
• Visa: Sends 0220 to Issuers if supported OR sends
0120 + Clearing transaction (TC05), sent in batch
end of day for Clearing & Settlement

41
24 ©2021 Visa. All rights reserved. Visa confidential
Fuel: US Authorization and
Clearing Models – In-Store
In-Store
Pre-Pay Fuel (Before Pumping)
• Buyer: Swipes card
• Merchant: Auth is for the total amount
of all purchases In-Store (& gas as requested
i.e., $20 on pump 4)
• Acquirer: 0100 Auth (for total amount)
• Issuer: 0110 Approval Response
• 2 Options:
• Issuer can provide approval
for full amount $XXX (fleet card
amount)
• Issuer can provide partial approval
for a portion of full amt $XXX
• Buyer: Fueling process completed
• Acquirer: clearing transaction (TC05) sent in
batch end of day for clearing & settlement
42
25
©2019 Visa. All rights reserved. Visa confidential
In-Store
Post-Pay Fuel (After Pumping)
• Buyer: Starts and completes fueling
process at pump
• Buyer: Goes In-Store and swipes card
• Merchant: Auth is for the total amount
of all purchases In-Store (& final gas total
as pumped)
• Acquirer: 0100 auth (for total amount)
• Issuer: 0110 approval response
• 2 Options:
• Issuer can provide approval
for full amount $XXX (Fleet Card amount)
• Issuer can provide partial approval
for a portion of full amt $XXX
• Buyer: Fueling process completed
• Acquirer: Clearing transaction (TC05) sent
in batch end of day for clearing & settlement
©2021 Visa. All rights reserved. Visa confidential
 Enhanced Fuel Data

Levels of Data Passed with transactions

• Level 1 Data - Base Transaction information – Level 1 Data

Transaction details (PAN, Date, time, amount, etc.), MCC, Merchant Name, City, State, Zip Code details, No
Enhanced Data information

• Level 2 Data - Enhanced Fleet Data

Fuel purchase: Type of Purchase, Fuel Type, Quantity, Unit of Measure, Unit Cost, Gross/Net Fuel Price, etc.

Non-Fuel: Specific product categories for a Non-Fuel purchase (e.g., General Merchandise = B9)

Prompts: (Odometer, Driver ID/Vehicle ID/Generic ID, Fleet Work Order #, Fleet Trailer #, Fleet Employee #,
Additional Data 1, Additional Data 2)

• Level 3 Data - Enhanced Summary and Line-Item Detail Data (sent after the transaction)

Non-Fuel: Specific product code, quantity, unit of measure, line-item information, discounts, taxes, etc.

*Additional Prompted Data with Fleet 2.0 Initiative

26 ©2021 Visa. All rights reserved. Visa confidential

Fleet Transaction
Merchant > Acquirer > VisaNet > Issuer
Processing

Authorization VisaNet

Fleet Card Authorization Authorization Authorization

Request Request (0100) Request (0100)

Authorization Authorization Authorization

Response Acquirer/Processor Response (0110) Response (0110) Issuer
Merchant POS Device VIP Authorization

Billing &
Reports

Clearing and Settlement

(end of business day)
TC 05,
TC 50s

BASE II Clearing
$ Fleet Cardholders
$

Note: Product Restrictions Flag can reside on Authorization, Related Advice and Completion Messages; Host Based Product Restriction Details can reside on all related response messages
27 Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion. ©2021 Visa. All rights reserved. Visa confidential
Specific Situations & Transactions follow a standard set of messages for various flows described below
Approaches
Standard AFD dual message flow Single RTC message flow Carwash / Kiosk flow
Auth Only / Dual Message Process: Real Time Clearing / Pin Debit Use Case: SMS / Pin Debit Use Case:
0100: $1 Pre Auth/Status Check 0100: Estimated amount (0 up to $500)
0120: Confirmation Advice for final amount 0220: Full Completion Message for Full Service/RTC Merchant) for final 0200: Full Financial for $X final amount
TC05: Clearing for final amount amount with all details on the sale provided

Another Single Message Flow Use Case

(certain merchants are also doing this approach):
0100: $1 Estimated amount can be sent as well
0220: Full Completion Message for final amount
Note: No other messages are required
Note: 0120 Confirmation Advice is not required since 0220
is sent within 2 hours

Auth Only / Dual Message Process: Real Time Clearing / Pin Debit Use Case
In-Store 0100: Auth for $50 amount (Fuel + Non-Fuel total) 0200: Full Financial for $50 amount with all details on the sale provided
0120: Confirmation Advice for $50 amount
TC05: Clearing for $50 amount Note: No other messages are required

Note: Estimated amount authorizations are

not supported for In-Store , auth must be for
actual transaction amount.

37
28 Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion. ©2021 Visa. All rights reserved. Visa confidential
Specific Situations & Transactions follow a standard set of messages, however in certain situations,
Approaches specific approaches are required for “reversal” situation as explained below

Reversal Situation Scenarios and Approach

AFD Purchase: authorize, fill tank-pump stops and your Auth Only / Dual Message Process: Real Time Clearing / Pin Debit Use Case:
finished 0100: $1 Pre Auth/Status Check 0100: Estimated amount (0-500)
0120: Confirmation Advice for final amount 0220: Full Completion Message for Full Service/RTC
No Auth reversal is needed for the authorized amount = TC05: Clearing for final amount Merchant) for final amount
final amount.

Reversal can be done reversing the above transaction if TC25: sent as a Reversal Sales Draft to reverse the above 0420: Reversal can be done reversing the above
the charge was not correct. (for example: a processing purchase transaction if the charge was not correct
error). Reversals are initiated by the merchant

No refund transactions possible at a pump, given this is gas and cannot be refunded to a pump).
A special In-Store refund would be required (if incorrect gas, etc.)

In-Store Purchase: Fuel purchase specific amount + Non- Auth Only / Dual Message Process:
Fuel Items: $60 0100: Auth for $60 amount
0400*: Partial Auth reversal for $10 amount
In-Store Actual amount was $50 (less Fuel used) 0120: Confirmation Advice for $50 amount
TC05: Clearing for $50 amount
Real Time Clearing / Pin Debit Use Case
0200: Full Financial for $60 amount
0220*: Credit Adjustment for $10 amount

TC25 Reversal can be done reversing the above TC25: sent as a Reversal Sales Draft to reverse the above 0420: Reversal can be done reversing the above
transaction if the charge was not correct(for example: a purchase transaction if the charge was not correct
processing error)

TC06 Credit refund to return specific items (credits are TC06 Credit refund can be given if needed 0200: Credit refund can be given if needed
initiated by the cardholder)

*Note: Specific field requirements must be followed for 0400 reversal messages, to ensure message matching can occur between the original message (0100 or 0200) and the reversal (0400), please consult the VisaNet technical
documentation for the field values required
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29 Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion. ©2021 Visa. All rights reserved. Visa confidential
Specific Situations & Transactions follow a standard set of messages, however in certain situations,
Approaches specific approaches are required for the dispute/chargeback situation as
explained below

Dispute / Chargeback Situation Scenarios and Approach

AFD Purchase: authorize, fill tank-pump stops and your Auth Only / Dual Message Process: Real Time Clearing / Pin Debit Use Case:
finished 0100: $1 Pre Auth/Status Check 0100: Estimated amount (0-500)
0120: Confirmation Advice for final amount 0220: Full Completion Message for Full Service/RTC
TC05: Clearing for final amount Merchant) for final amount

Dispute / Chargeback can be done to charge the TC15: sent as a Dispute Chargeback from Issuer to the 0422: sent as a Dispute Chargeback from Issuer to the
transaction back to the merchant, they are initiated by the Acquirer Acquirer
Issuer (possibly done with a cardholder)
(i.e., Fraud, No authorization, etc.)

In-Store Purchase: Fuel purchase specific amount + Non- Auth Only / Dual Message Process:
Fuel Items: $60 0100: Auth for $60 amount
Actual amount was $50 (less Fuel used) 0400*: Partial Auth reversal for $10 amount
In-Store 0120: Confirmation Advice for $50 amount
TC05: Clearing for $50 amount
Real Time Clearing / Pin Debit Use Case
0200: Full Financial for $60 amount
0220*: Credit Adjustment for $10 amount

Dispute / Chargeback can be done to charge the TC15: sent as a Dispute Chargeback from Issuer to the 0422: sent as a Dispute Chargeback from Issuer to the
transaction back to the merchant, they are initiated by the Acquirer Acquirer
Issuer (possibly done with a cardholder)
(i.e., Fraud, no authorization, etc.)

*Note: Specific field requirements must be followed for 0400 reversal messages, to ensure message matching can occur between the original message (0100 or 0200) and the reversal (0400), please consult the VisaNet technical
documentation for the field values required

37
30 Note: This slides reflects future capabilities and functionality that is subject to change at Visa's discretion. ©2021 Visa. All rights reserved. Visa confidential