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© 2016. Visa. All Rights Reserved.

December 2016

Develop your payments expertise – online. You can purchase individual courses or an entire series. View

immediately or when it’s most convenient. You have 6 months unlimited access after you enroll in the course.

You can register for any of our courses at Visa Business School. Click the course titles below to learn more

about each course, and enroll.

The online version of this document is available here.

Annual Pass. One year. One purchase.

Your enrollment in the Annual Pass gives you full access to the pre-recorded online training courses that we offer today

(over 120+ courses at a retail price of over US$2,700), plus you get immediate access to new online releases at no additional

cost, as long as you add them to your collection within the year of your enrollment. The cost is US$1,299. The Annual Pass

does not apply to “live, interactive online” courses such as Explore Dispute Reason Codes & EMV. > Learn more

US$99

New Online Courses New!

Card Profitability

12-course series, US$240

Gain a comprehensive overview of the profitability of the

payments business. This online course examines the macro-

economic environment, the value of payments and the typical

business models used within the industry. It also covers the

core components that define the economics of issuing and

acquiring.

Explore Dispute Reason Codes & EMV

3 hours, 3 days, Interactive Online, English, US$500. Not

available as part of Annual Pass.

Want to learn how to resolve the most complex dispute

scenarios? Get insight into frequently used dispute reason

codes and when to pursue compliance. You will also

discuss the application of the EMV liability shift and key

fields to identify whether the transaction is chip. In this

class, you will have an opportunity to learn while engaging

with the instructor and your peers using chat, whiteboard

and polls. This interactive online class is “live”, so you need

to attend during the scheduled time and date.

Protect the Payment System from Account Testing

45 minutes, English, US$25

Ever wonder about how account testing may affect your

business? During this webcast, Visa experts will explain

account testing and review the latest trends. They will also

outline the best practices for detecting a testing incident, as

well as the steps all parties in the payment system should

follow to respond. The webcast is a replay of the Visa webinar

that was held during September 2016.

Incremental and Estimated Authorization Rule

Changes

60 minutes, English, US$25

Are you ready? In April 2017, there will be new changes to

the rules for incremental and estimated authorizations.

Find out how new data will help with authorization holds.

Learn which merchants have new rights to estimated and

incremental authorizations. Understand the length of time

an authorization is valid.

ONLINE LEARNING – CHOOSE WHEN AND WHERE TO LEARN

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© 2016. Visa. All Rights Reserved.

All Available Online Offerings

Acquiring & Acceptance

Learn what it takes to build a profitable acquiring business. Courses focus on key fundamentals such as merchant sales

and acquisition, transaction processing, risk management, and marketplace dynamics.

Acquirer Business Fundamentals

9 course series, English, US$180

Learn what it takes to run an acquirer business and how to develop a profitable merchant network. This bundle of 9 online courses

provides a high level overview of the strategies and key considerations required to be an effective acquirer. Each course in the

series is 10-35 minutes in length. You can also purchase the 9 courses individually if you prefer.

Role of the Acquirer - describes the acquirers’ participation in the Visa payment process

Acquirer Profitability - focuses on business drivers, revenues, expenses

Sales & Acquisitions - addresses market segmentation, new merchant review and setup

Authorization, Clearing & Settlement - offers a quick overview of the transaction process

Chargeback Basics for Acquirers - defines chargebacks, reviews the chargeback lifecycle, addresses copy requests,

identifies best practices for minimizing chargebacks

Merchant Fraud Prevention - identifies the different types of merchant fraud, the indications that it may be happening in

your organization and best practices

Emerging Technologies - explains how payWave and Visa Easy Payment Service (VEPS) work and the benefits they offer

to acquirers, merchants and customers

Merchant Monitoring - addresses how to monitor new merchants, the types of reports that help spot fraudulent activity

Merchant Retention - discusses the importance of having a merchant retention strategy

Acquirer Profitability

20 minutes, English, US$25

Learn about acquirer business drivers, revenues, and expenses. This 20 minute online course also addresses the considerations and

challenges that impact acquirer profitability both positively and negatively. It covers the major revenue and expense drivers as well

as the primary risk and challenges acquirers face today. This course is also available in the bundled course called Acquirer

Business Fundamentals.

Authorization, Clearing, and Settlement

10 minutes, English, US$25

Learn about the transaction process. This ten minute online course details what happens during each transaction phase, the players

involved and the processing methods used. You will learn about the three transaction processes as well as dual-message and

single-message processing. This course is also available in the bundled course called Acquirer Business Fundamentals.

Card-Absent Merchant Payment Acceptance

30 minutes, English, US$25

This 30 minute online course covers Visa payment acceptance in the card-absent environment. The course covers the best

practices needed to ensure the cardholder and transaction are legitimate. This knowledge will help you train your merchants on

how to optimize payment acceptance strategies, handle recurring transactions, and reduce fraud losses. This course is included in

the bundled course called Understanding Merchant Acceptance.

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© 2016. Visa. All Rights Reserved.

Card-Present Merchant Payment Acceptance

20 minutes, English, US$25

This 20 minute online course covers Visa card acceptance at the point of sale. It provides best practices on how to process Visa

payments and prevent fraud losses, and discuss card recovery. This knowledge will help you train your card-present merchants to

take reasonable steps to assure that the card, cardholder, and transaction are legitimate. This course is included in the bundled

course called Understanding Merchant Acceptance.

Chargeback Basics for Acquirers

20 minutes, English, US$25

Understand the basics of chargebacks including the chargeback lifecycle and best practices for minimizing exposure. This 20

minute online course walks you through why chargebacks occur and touches on when chargeback rights do not apply. It also

explains Visa chargeback monitoring tools. This course is included in the bundled course called Acquirer Business Fundamentals.

Emerging Technologies

20 minutes, English, US$25

See how payWave and Visa Easy Payment Service (VEPS) work and the benefits they offer acquirers, merchants and customers. This

20 minute online course also provides an overview of mobile point-of- sale (mPOS) and how this new technology affects the

acquirer business model. This course is included in the bundled course called Acquirer Business Fundamentals.

Merchant Acceptance Fundamentals

20 minutes, English, US$25

This 20 minute online course teaches the core rules that Visa merchants must apply at the point of sale. It also provides an

overview of the major components of transaction processing. This knowledge will help you train your merchants to properly apply

the Visa rules, enabling them to operate more effectively and ensure customer satisfaction. This course is included in the bundled

course called Understanding Merchant Acceptance.

Merchant Fraud Prevention

20 minutes, English, US$25

Learn about the common types of merchant fraud and the best practices to mitigate fraud loss. This 20 minute online course walks

through an explanation of how particular scams work, examples of the scam in action, and indicators that it could be happening in

your organization. This course is included in the bundled course called Acquirer Business Fundamentals.

Merchant Monitoring

20 minutes, English, US$25

Learn how to monitor new merchants and the ways to spot and deal with suspicious new merchant activity. This 20 minute online

course explains why it’s important to monitor new merchants and reports and data that you can use as acquirers to monitor

merchant activity. It also provides best practices for ongoing merchant monitoring, such as conducting periodic reviews, site

inspections, and monitoring websites. This course is included in the bundled course called Acquirer Business Fundamentals.

Merchant Retention

15 minutes, English, US$25

Understand the importance of having a merchant retention strategy. This 15 minute online course explains how to measure

retention performance by using Key Performance Indicators or KPI’s, and the critical role merchant communication and support

plays in retaining merchants. This course is included in the bundled course called Acquirer Business Fundamentals.

Role of the Acquirer

10 minutes, English, US$25

Understand the key role acquirers play in the Visa payment process. This ten minute online course provides an overview of the

payment scheme model, the acquirers’ role in the model process and the partnerships and operations involved in the acquirer

business. This course is included in the bundled course called Acquirer Business Fundamentals.

ONLINE LEARNING – CHOOSE WHEN AND WHERE TO LEARN

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© 2016. Visa. All Rights Reserved.

Sales and Acquisitions

20 minutes, English, US$25

Understand the merchant sales and acquisition process from a business perspective. This 20 minute online course addresses

market segmentation, new merchant review and setup. It also emphasizes the importance of providing ongoing support for

established merchants. This course is included in the bundled course called Acquirer Business Fundamentals.

Understanding Merchant Acceptance

3 course series, 1-hour, English, US$60

Learn Visa’s payment acceptance rules and procedures that must be applied in the card-present and card-absent sales

environment. This series of courses can also be purchased individually. This knowledge will help you to train your merchants how to

do it right the first time and every time at the point of sale. You can purchase the 3 modules individually if you prefer. They are 20

minutes in length:

Merchant Acceptance Fundamentals - teaches the core rules that Visa merchants must apply at the point of sale.

Card-Present Merchant Payment Acceptance - teaches Visa card acceptance at the point of sale.

Card-Absent Merchant Payment Acceptance - teaches Visa payment acceptance in the card-absent environment.

Card Strategy & Management

Learn how to create, launch, manage, and market profitable card programs. Then test your portfolio and lifecycle

management strategies in the simulation competitions at our special events.

Build an Effective Card Portfolio (Formerly Card Program Management – Level 1)

12 course series, English, US$240

Learn the impact of cards on retail banking and how to set up a card program for long-term success. You will explore the

interdependencies of issuers and acquirers, and how to use technology to achieve the best outcomes. Get the latest insights and

industry guidance from payments expert, Peter Hall from Intuition International.

The Role and Value of Payments Cards and Consumer Banking

Issuing Fundamentals Acquiring Fundamentals

Transaction Life Cycle The Role of Outsourcing

Profitability Credit Risk

Fraud Risk Cardholder Communication

The Changing Payments Landscape

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© 2016. Visa. All Rights Reserved.

Card Profitability

12 course series, English, US$240

Gain a comprehensive overview of the profitability of the payments business. This online course examines the macro-economic

environment, the value of payments and the typical business models used within the industry. It also covers the core components

that define the economics of issuing and acquiring. Get the latest insights and industry guidance from payments expert, Peter Hall

from Intuition International.

The Macro Economic Environment The Role and Value of Payments

Profitability Principles and Models Measure to Manage

Debit Profitability Credit Profitability

Prepaid Profitability Acquiring Profitability

Pricing for Profit Portfolio Management

Market Factors that Influence the P&L Potential Impact of Regulations

Credit Risk Management for Existing Accounts

1 course, 40 minutes, English, US$25

The right tools and strategies helped you acquire the most profitable credit card customers. Now it’s time to take a look at the

power of behavioral scorecards. These analytical tools can help you better manage risk and attrition through effective account

management strategies. Elina Rodriguez, an expert in the field of scorecard development and implementation, shares insights on

what you should consider when developing and utilizing behavioral scorecards.

Credit Risk Management for New Accounts

1 course, 45 minutes, English, US$25

The profitability of your portfolio depends on how well you manage the credit risk for new accounts. In this online course, you will

receive an overview of credit risk, the importance of managing this risk, and how scorecards (analytical tools) can help you identify

the most trust-worthy applicants.

Scorecard Monitoring and Validation

1 course, 35 minutes, English, US$25

Learn about the importance of monitoring and tracking scorecards and how to evaluate their performance. Elina Rodriguez, an

expert in the field of scorecard development and implementation, will take you behind the scenes and share sample scorecard

monitoring and validation reports, as well as provide tips on how to interpret them.

Strategies for Driving Card Portfolio Growth (Formerly Card Program Management – Level 2)

11 course series, English, US$220

Managing the growth of your card program is critical to its success. In this online series, industry expert Peter Hall discusses

marketing and channel management strategies, loyalty and reward programs, and how to get more value through partnership

marketing. He also addresses the importance of metrics, lending, pricing, and how to best manage the customer experience.

1. Performance Management

2. Partnership Marketing (Co-Branding and Affinity Products)

3. Driving Credit Usage

4. Driving Debit Usage

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© 2016. Visa. All Rights Reserved.

5. Subprime Lending and Risk Based Pricing

6. Re-Engineering the Collateral

7. New Tactics in Profitability

8. Sub-segmentation

9. Managing the Customer Experience

10. Loyalty and Retention

11. State of the Industry

Understanding Interchange

45-minute course, English, US$50

Get an overview of interchange, including what it is and how it works, why it is important to the payment system and how its

effectiveness is measured. This 45-minute online course also briefly reviews the global regulatory environment and the impact of

regulation on interchange.

Visa Debit Product Manager Certification Program

2-3 hours, English, Spanish, US$25

This course offers a comprehensive review of key industry best practices that make up a successful Debit Program. Covering all

aspects of the Product Managers role in building an effective Debit program strategy, this course is a must for both new and

established Product Managers who are looking to strengthen and expand their Debit Portfolio. Also available in Spanish.

Visa Global Challenge 2016

10-week online learning event and simulation competition, English, US$600 per team

Team-based event. Learn value payment skills and then test your knowledge in the online simulation competition. Compete with

teams around the world to see who can build the most profitable payments portfolio over a 5-year period, in 10 weeks. Each team

will spend approximately 1-2 hours per week learning, collaborating, and entering their decisions into the online simulation.

Digital Solutions

Get acquainted with Visa Digital Solutions. Become well-versed in the tools you need today to create, manage and

accept secure digital payments in-store, online or in-app.

Digitizing the Cardholder Experience

20-minute course, English, US$25

Learn how to create a digital payment center for your cardholders. This online course highlights the steps that issuers can use to

build an integrated cardholder experience that drives instant card issuance, consumer activation, and usage to a consumer in less

than one day.

Driving Card Usage with Visa Checkout

30-minute course, English, US$25

Learn how Visa Checkout can grow your brand in digital commerce. This online course walks through the marketing tools and

strategies that issuers can use to promote their brand within the Visa Checkout consumer experience. The webcast is intended to

help issuers better understand how Visa Checkout works and how it can be successfully promoted to their cardholders in order to

achieve top of wallet status in digital commerce.

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© 2016. Visa. All Rights Reserved.

Staying Top of Wallet with Digital Payments

20-minute course, English, US$25

Learn how to maintain top of wallet in today’s digital payment space. This course focuses on multiple strategies that you can use to

stay top of mind with consumers – in both the digital world and physical environment. We’ll explore who the competition is, how to

develop a digital payment strategy, and five tactics you can use to drive top of mind behavior.

Visa Digital Solutions

20-minute course, English, US$25

Learn how Visa’s latest technologies are shaping the way we shop, pay and get paid globally. This 30 minute online course explores

the many ways in which Visa is creating new, innovative commerce experiences and driving the shift to mobile and digital

payments.

Disputes

Sharpen your dispute resolution skills. Expand your understanding of Visa rules, chargeback reason codes, and case

filings. Also learn how to use Visa Resolve Online to manage the dispute process.

Ask the Experts - EMV Liability Shift

1 live online session, 90 minutes, English, US$50, For U.S. Clients

Do you have questions about the EMV liability shift? Get answers to your questions from Visa dispute experts, Eddie Sheehan and

Brian Hamilton. They will give you an update on the status of the EMV migration and answer your questions. This new online

discussion session takes place at different times throughout the year.

Arbitration

30-minute course, English, US$25

Learn ins and outs of the Arbitration process. This 30 minute online course expands on specific circumstances under which

Arbitration is available to an issuer or acquirer after all dispute cycles have been completed. The course provides a step-by-step

explanation of the Arbitration process including pre-Arbitration, and recommended best practices for proper Arbitration

management. This course is included in the bundled online course called Understanding Dispute Resolution. Also available in

Spanish and Portuguese.

Authorization Errors, Reason Codes 70, 71, 72, 73, 77, and 78

30-minute course, English, US$25

Become a pro at resolving authorization error related disputes. This 30 minute online course highlights the Visa chargeback and

representment requirements for reason codes 70, 71, 72, 73, 77, 78. The course is aimed at providing learners with an in-depth

understanding of the different types of authorization error related disputes that can occur and the key requirements that must be

considered. This course is included in the bundled online course called Understanding Dispute Resolution. Also available in Spanish

and Portuguese.

Cancelled or Returned Goods or Services, Reason Codes 41 and 85

30-minute course, English, US$25

Looking to enhance your dispute resolution skills? This 30 minute online course explains the what, why, who, how, and when

behind chargeback and representment requirements for Reason Code 41: Cancelled Recurring Transactions and Reason Code 85:

Credit Not Processed. This course is included in the bundled online course called Understanding Dispute Resolution. Also available

in Spanish and Portuguese.

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© 2016. Visa. All Rights Reserved.

Chip Impacts on Other Chargebacks (U.S.)

80-minute course, English, US$50

Gain greater expertise in assessing the potential impact of specific chargeback reason codes that apply to all chip transaction

disputes regardless of product type or Cardholder Verification Method (CVM). The course includes real-world chip-initiated

transaction disputes that require participants to practice skills critical in the back-office chargeback environment.

Compelling Evidence Rule Changes October 2015

45-minute course, English, US$25

Learn about the compelling evidence rule changes effective October 2015. This 45 minute online course highlights the additional

types of compelling evidence that are allowed in specific scenarios, as well as the new representment rights for acquirers when

dealing with airlines and digital goods. It also covers the new issuer certification requirements. This course also reviews various

transaction examples and gives you an opportunity to decide if the evidence provided is compelling.

Compliance

30-minute course, English, US$25

Learn how to resolve a rule violation that is not covered under Visa’s chargeback rights. This 30 minute online course describes

how Visa’s legal compliance process works when there is a Visa rule violation, no existing chargeback or representment right, and

an acquirer or issuer has incurred or will incur a financial loss as a direct result of the violation. The course covers compliance

initiation steps, filing procedures and timeframes, as well as some of the most common compliance violations cited. This course is

included in the bundled online course called Understanding Dispute Resolution. Also available in Spanish and Portuguese.

Dispute Training for Beginners

2 hour course, English, Multiple languages, US$50

Learn the requirements of the chargeback framework and what it takes to manage disputes within a bankcard center. This 2 hour

online course provides a step-by-step guide of the chargeback process and covers the operating rules that issuers and acquirers

must follow. It also provides a look at several case studies, giving you a chance to follow the reasoning and progress of a

chargeback through each stage of the cycle. Also available in Spanish and Portuguese.

EMV Liability Shift - Dispute Resolution (U.S. Only)

30-minute course, English, US$25

Understand the guidelines that both issuers and acquirers can use when handling the chargeback situations that may occur as a

result of the October 2015 EMV Liability Shift. This 30 minute online course discusses the data elements, specific conditions, and

reason codes to consider in a legitimate EMV liability shift dispute. Throughout the course you will have a chance to practice

evaluating and responding to real-life scenarios.

Explore Dispute Reason Codes & EMV

3 hours, 3 days, Interactive Online, English, US$500. Not available as part of Annual Pass.

Want to learn how to resolve the most complex dispute scenarios? A Visa Business School trainer will provide insight into

frequently used dispute reason codes and when to pursue compliance. They will also discuss the application of the EMV liability

shift and key fields to identify whether the transaction is chip. In this class, you will have an opportunity to learn while engaging with

the instructor and your peers using chat, whiteboard and polls. This interactive online class is “live”, so you need to attend during

the scheduled time and date.

Fraudulent Transactions, Part 1, Reason Codes 57, 62, and 93

30-minute course, English, US$25

Seize the opportunity to learn more about Fraudulent Transactions chargebacks. This 30 minute online course highlights the Visa

chargeback and representment rules for Reason Codes 57: Fraudulent Multiple Transactions, 62: Counterfeit Transaction, and 93:

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Merchant Fraud Performance Program. This course is included in the bundled online course called Understanding Dispute

Resolution. Also available in Spanish and Portuguese.

Fraudulent Transactions, Part 2, Reason Codes 81 and 83

30-minute course, English, US$25

Get up to speed on handling Fraudulent Transactions chargebacks. This 30 minute online course offers a conceptual framework for

understanding chargeback Reason Codes 81: Fraud-Card Present Environment and 83: Card-Absent Environment. The course

explains the requirements for each reason code and offers practical recommendations for making accurate and timely dispute

resolution decisions. Real-life case examples are included to help clarify key points. This course is included in the bundled online

course called Understanding Dispute Resolution. Also available in Spanish and Portuguese.

Introduction to Chargebacks and Representments

30-minute course, English, US$25

Learn the fundamentals of dispute resolution. This 30 minute online course describes some of the most common dispute issues

that analysts face today. This course provides a big picture view of how chargebacks and representments fit in the overall

chargeback cycle, processing timeframe requirements, and tips for acquirers on how to help their merchants prevent disputes. This

course is included in the bundled online course called Understanding Dispute Resolution. Also available in Spanish and Portuguese.

Non-Receipt of Goods or Services, Reason Codes 30 and 90

30-minute course, English, US$25

Stay up-to-date on the latest dispute resolution rules for Non-Receipt of Goods or Services, Reason Codes 30 and 90. This 30

minute online course explains the chargeback and representment requirement fundamentals for Reason Code 30: Services Not

Provided or Merchandise Not Received, and Reason Code 90: Non-Receipt of Cash of Load Transaction Value at ATM or Load

Device. This course is included in the bundled online course called Understanding Dispute Resolution.

Also available in Spanish and Portuguese.

Not as Described or Defective Merchandise, Reason Code 53

30-minute course, English, US$25

Learn more and do more when it comes to Reason Code 53. This 30 minute online course explains the basic requirements that

issuers and acquirers must follow when processing a chargeback or representment for a Not as Described Merchandise, Reason

Code 53 dispute. This course is included in the bundled online course called Understanding Dispute Resolution.

Also available in Spanish and Portuguese.

October 2015 Travel and Entertainment Dispute Rule Changes

15-minute course, English, US$25

Review the Travel and Entertainment (T&E) rule changes effective 16 October 2015. This 15 minute online course highlights the

changes in four major categories: Full and Partial Prepayments, Guaranteed Reservations, Damages, and Proper Disclosure. This

information can help back office staff update their internal dispute resolution processes and resources to meet the new rule

changes.

Processing Errors, Reason Codes 74, 76, 80, 82 and 86

30-minute course, English, US$25

Learn what to do when a processing error dispute comes your way. This 30 minute online course highlights the Visa chargeback

and representment requirements for Reason Codes 74: Late Presentment, 76: Incorrect Currency, 80: Incorrect Transaction Amount

or Account Number, 82: Duplicate Processing and 86: Paid By Other Means. This course is included in the bundled online course

called Understanding Dispute Resolution. Also available in Spanish and Portuguese.

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Recognition Issue, Reason Code 75

30-minute course, English, US$25

Learn how to efficiently and effectively resolve transaction recognition disputes. This 30 minute online course describes the

chargeback and representment requirements that apply when a cardholder does not recognize the transaction and a good faith

effort has been made to assist the cardholder in identifying the transaction by the issuer. This course is included in the bundled

online course called Understanding Dispute Resolution. Also available in Spanish and Portuguese.

Understanding Dispute Resolution (Updated with October 2015 Release Enhancements)

11 course series, English, Spanish, Portuguese, US$220

Build your understanding of chargeback, representment, compliance and arbitration. This course provides an overview of the

dispute resolution process and will help you get up-to-speed on reason code definitions and when to apply them. It also discusses

chargeback changes and the latest requirements from the October 2015 rule changes. This bundled course consists of 11 courses.

You can purchase them individually, or complete the entire series. Also available in Spanish and Portuguese.

1. Introduction to Chargebacks and Representments

2. Non-Receipt of Goods or Services, Reason Codes 30 and 90

3. Cancelled or Returned Goods or Services, Reason Codes 41 and 85

4. Not as Described or Defective Merchandise, Reason Code 53

5. Authorization Errors, Reason Codes 70, 71, 72, 73, 77 and 78

6. Processing Errors, Reason Codes 74, 76, 80, 82 and 86

7. Fraudulent Transactions Part 1, Reason Codes 57, 62, 93

8. Fraudulent Transactions, Part 2, Reason Codes 81 and 83

9. Recognition Issue, Reason Code 75

10. Pre-compliance and compliance processes, including filing procedures, timeframes, and violations

11. Pre-arbitration and arbitration process, including SMARTT model, filing procedures, best practices, timing, and fees for

withdrawing cases

Understanding Visa Claims Resolution (VCR)

15-minute course, English, Spanish, Portuguese, Free

Get up to speed on Visa’s latest effort to streamline the dispute resolution process. This quick course introduces you to the new

Visa Claims Resolution (VCR) initiative and how it will help simplify the dispute process and reduce associated time and costs. Find

out how VCR works from start to finish, the key benefits of using it, and important release dates. Also available in Spanish and

Portuguese.

Visa Claims Resolution (VCR) Business Process Flows

Length varies as it is interactive, English, Free

Learn how the Visa Claims Resolution (VCR) business processes bring greater efficiencies to your organization. During the course, a

Visa expert will walk you through VCR’s two new business process workflows: “allocation” for fraud and authorization issues and

“collaboration” for consumer disputes and processing errors, as well as the response timelines and processing considerations for

each.

Visa Resolve Online (VROL) - Overview

15-minute course, English, US$25

You must respond quickly to cardholder disputes to reduce losses. Visa Resolve Online helps you reduce processing times and

improve the accuracy of dispute information. This course introduces you to the features of Visa Resolve Online. It also provides

information about how to implement Visa Resolve Online.

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Visa Resolve Online (VROL) Basics for Visa DPS

30-minute course, English, Free

Get an overview of the Visa Resolve Online (VROL) system and how to inquire about cardholder transactions.

Visa Resolve Online October 2015 Business Release Overview

20-minute course, English, Free

Are you wondering what changed in Visa Resolve Online for the October 2015 Business Release? This short online course explains

the new collaboration feature, changes to transaction inquiry and other miscellaneous changes; as well as the updates to

questionnaires, case folders, and reports.

Working Chip Card Disputes

45-minute course, English, US$50

Get a high-level overview of chip payment processing. This 40 minute online course covers the what, why, and how of chip

technology. The real-world scenarios give you an opportunity to practice critical chargeback skills. This course also discusses the

EMV Liability Shift and who holds financial responsibility for counterfeit, point-of-sale transactions.

Network

Seize the opportunity to explore the world of VisaNet. Find out how VisaNet works and the parties involved. Also

learn about interchange, stand-in processing, and Edit Package usage.

Edit Package Fundamentals

2½ hour course, English, US$50

Learn how to install and use Edit Package (Release 4.0) for Windows. This online course provides demonstrations, step-by-step

instructions, and addresses several frequently asked questions. It will help you understand where the Edit Package fits within the

VisaNet system, as well as how to install, use, and process outgoing and incoming files.

VisaNet Overview

1 hour course, English, US$50

Understand how VisaNet delivers on Visa’s promise of secure, reliable payments. This one-hour online courses explains the role

that various participants play in a typical VisaNet transaction and how they connect to VisaNet. This course also describes the

authorization, clearing, and settlement process as well as the steps involved in dual-message and full-financial processing.

Operations

From managing authorizations, to billing statements, to new Visa rules. Learn everything you need to know about

Visa’s operational systems and processes to help you run your business more efficiently.

Boost Your Authorization Approval Rates, Customer Satisfaction and Profitability

30-minute course, English, Free

Want to improve your authorization performance? This 30 minute online course focuses on the steps that issuers can take to strike

a balance between higher approval rates and optimal risk management, which can help improve customer satisfaction and

increase revenue. This course provides a high-level overview of the authorization landscape and transaction process, as well as the

opportunities and tools available to help optimize your approval strategies.

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Critical Steps to Launch a Card Program

20-minute course, English, US$25

Get a big picture look at what it takes to launch a card program and the recommended steps to make it successful. This 20 minute

online course analyzes your institution’s capability and retail strategy. It guides you through a 4-phase launch plan and emphasizes

the importance of planning and project management. It also introduces a strengths, weaknesses, opportunities and threats (SWOT)

analysis that you can use to evaluate internal and external factors that can impact your new product launch. This course is included

in the Fundamentals of Visa Business bundled courses.

Diving into Visa Billing Statements – Updated!

60-minute course, English, Spanish, Portuguese, Free

Learn how to access Visa billing statements, how to read and research billing items, and how invoice amounts are paid. This online

course introduces you to the basics of accessing your Visa invoice. It will also help you understand the detailed sections of your

invoice and how to find more information on specific billing lines. You will also learn about the Visa billing cycle, the basics of

settlement hierarchies, and how fees for different entities are paid. There is a quick self-check quiz at the end of each key topic

area. Also available in Spanish and Portuguese.

eMIQ Overview (Brazil, LAC)

2 hour course, English, Free

Customers in Brazil who need to add a BIN or make configuration changes to an existing BIN use the online Electronic Member

Information Questionnaire, or eMIQ application to request changes. This 2 hour online course explains how to use the eMIQ

application and gives specific field-level help for completing the Dual ~ Issuer Bin Installation /Update form.

Also available in Portuguese.

Fundamentals of Visa Business

8-course series, English, US$160

Get an introduction to Visa, VisaNet and the overall payment system. This series of online courses focuses on payment card

business fundamentals including credit and debit card revenue and costs, Visa products, and digital solutions. It also covers

launching a card program and managing associated credit risks. Each course in the series is 30-45 minutes in length. You can also

purchase any of the courses individually if you prefer.

1. Introduction to Visa provides a high level overview of Visa - where it has been and where it is going.

2. Revenue and Costs addresses the drivers of profitability and how to influence them in your business.

3. Payment Card Basics covers the fundamentals of the payment card business.

4. Visa Products explains the features, benefits and target audience for consumer products, prepaid cards, partnership

programs, and business and corporate solutions.

5. Critical Steps to Launch a Card Program provides a big picture look at the environment you will be operating in, your

bank’s capability and your retail banking strategy.

6. Payment Device Design Approval explains the card design and approval process so you can effectively plan your card

production.

7. Managing Credit Risks discusses the risks involved in launching and running a card program.

8. Digital Solutions introduces the new technologies that are shaping the way we shop, pay and get paid globally.

Global Customer Assistance Services (GCAS) 101

15-minute course, English, Free

This course highlights the services available under the Global Customer Assistance Services (GCAS) program. This worldwide

support network provides issuers and cardholders with quick and reliable access to emergency services, general information and if

necessary, acts as a gateway to card benefit service providers 24/7/365.

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Incremental and Estimated Authorization Rule Changes

60 minutes, English, US$25

Are you ready? In April 2017, there will be new changes to the rules for incremental and estimated authorizations. Find out how

new data will help with authorization holds. Learn which merchants have new rights to estimated and incremental authorizations.

Understand the length of time an authorization is valid. Visa experts Seth Friedman and Martyn Selman will explain the changes in

detail and provide applicable examples.

Introduction to U.S. EMV Chip

15-minute course, English, US$25

With more than 2.4 billion chip cards across the world, it is important for all us to understand why and how the chip card works.

This 17 minute course explains where card fraud occurs, how the chip helps reduce fraud, and how Visa helps fight security from

every angle. This course also guides you through the basics of chip implementation and the resources available to help merchants.

This course is a good introduction to EMV (the technology that is commonly referred to as “chip cards”) and the EMV Liability Shift

(rules on who is financially responsible should a fraudulent transaction take place).

Introduction to Visa

20-minute course, English, US$25

Learn all about Visa - where it has been and where it is going. This 20 minute online course explains VisaNet and introduces Visa’s

range of products and services, how the overall payment system works, and fraud/risk reduction strategies. It also provides a big

picture look at digital solutions. This course is included in the Fundamentals of Visa Business bundled courses.

Introduction to Visa Debit Processing Services

30-minute course, English, US$50

Get an overview of who Visa Debit Processing Services (DPS) is. In addition, participants will walk through basic transaction flows

and learn about additional products and services provided by Visa DPS.

Moving Beyond the Six Digit BIN

20-minute course, English, Free

Learn what Visa is doing to manage the existing supply of Bank Identification Numbers (BIN) and the proposed changes and

strategies to improve the supply of numerics. This 20 minute online course explains the industry issue of depleted BINs and the

long-term strategies promoted by the International Organization for Standardization (ISO). It also describes how BINs are set up

today and what Visa is doing to manage the current supply. You will also learn about the proposed short and long term strategies

and how you can provide feedback on any impacts the proposed changes may have on your organization.

Optimize Your Authorization Decisioning through Reduced Risk Exposure

30-minute course, English, US$25

Increase your approval performance through proven fraud mitigation strategies. This 30 minute online course focuses on best

practices that issuers can apply today to strike a balance between higher approval rates and optimal risk management, which in

turn can result in greater customer satisfaction and increased revenue.

Payment Card Basics

20-minute course, English, US$25

Understand the fundamentals of the payment card business. This 20 minute online course addresses the needs of your customers

and how payment cards address those needs. It defines and positions credit and debit cards, details how cards fit with retail

banking and describes compelling reasons institutions get involved in the card issuing business. This course is included in the

Fundamentals of Visa Business bundled courses.

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Payment Device Design Approval

30-minute course, English, US$25

Want to know about the card design and approval process so you can effectively plan your card production? This 30 minute online

course provides you with the key points to consider during the card design phase and the steps to make your design a reality. It

walks you through the features of the card design approval system and then showcases Visa card examples. This course is included

in the Fundamentals of Visa Business bundled courses.

Revenue and Costs

20-minute course, English, US$25

Learn about the drivers of profitability and how to influence them in your business. This 20 minute online course identifies the main

revenue and expenses for each of the five members in the payment cycle and also explains the revenue and costs program for

debit and credit cards. This course is included in the Fundamentals of Visa Business bundled courses.

Settlement Basics for Debt

45-minute course, English, US$50

Learn the basics of the Visa DPS settlement process and concepts, along with the steps a financial institution will take to perform

daily settlement. This course will provide the participant with the basic knowledge of Visa DPS settlement that is needed to pair

with their own internal reconciliation functions.

U.S. EMV Chip Transaction Processing

30-minute course, English, US$25

Understand what technology is involved when issuing chip and how to prevent any interoperability problems. This 30 minute

course will guide you through how EMV chip technology works, the protection it provides, and the best practices to consider to

help reduce complexity, cost, and time-to-market. You will also learn about key management, business drivers, and liability shift

rules. This course also explains how to authenticate chip cards and verify card holders.

U.S. Quarterly Operating Certificate Filing (U.S.)

15-minute course, English, Free

Learn how to file a U.S. Quarterly Operating Certificate. This 15 minute course provides an overview of what it is and the steps you

will take to access the system and file. This course also covers best practices and where to go for more information. It also includes

access to two helpful resources: VOL QOC Quick Start Guide, and Operating Certificate Instructions.

Using the Online Member Invoice (OMI) Portal

20 minutes each, English, Free, For U.S. and Canada only

The new Online Invoice Portal (OIP) gives Visa clients in the United States and Canada improved online access to their Visa

invoices. OIP replaces the Online Member Invoice (OMI) application and offers improved functionality. This course provides

information about how to access and use OIP to view and retrieve your Visa invoices.

Using ATM Campaign Manager

4 courses, 1.5 hours total, English, US$50

Expand your institution’s marketing campaigns to your terminals via ATM Campaign Manager. Within this four part series you will

learn how to utilize ATM Campaign Manager to create, distribute and manage ATM advertising campaigns to easily market new

products and services to cardholders who use your ATMs.

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Visa Chip Bytes Webcast Series: Help U.S. Clients Migrate to Chip Technology

Several courses, 10-15 minutes each, English, Free

Visa Chip Bytes is a series of webcasts that will help both issuance and acceptance stakeholders support the migration of chip in

the U.S. These brief courses (10 minutes each) provide a quick update on new or key activities associated with chip migration. You

will learn about topics such as terminal configuration, when to test, card procurement, and guidelines for merchants. You can

access this series and other chip information publicly at this website.

Visa Products

30-minute course, English, US$25

Get up to speed on Visa products. This 30 minute online course explains the features, benefits and target audience for consumer

products, prepaid cards, partnership programs, and business and corporate solutions. This course is included in the Fundamentals

of Visa Business bundled courses.

VisaNet Operations Management

11 course series, English, Spanish, Portuguese, US$220

Learn about VisaNet, the value of an effective authorization strategy in managing risk, and the benefits of a streamlined clearing and settlement processes. This online course delivers the information you need to help improve customer satisfaction and loyalty while increasing program profitability. It consists of 11 segments. Each segment is 30-45 minutes in length. This series is also available in Spanish and Portuguese.

VisaNet® Global Processing Authorization Processing Basics

Authorization Risk and Customer Service Basics

Stand-in Processing (STIP)

Card and PIN Verification Services

Verified by Visa

Clearing System Overview

Currency Conversion

Introduction to Interchange Reimbursement Fees (IRF)

How Visa Settlement Works

Visa Settlement Reports and Reconciliation

Risk

Stay up-to-date on the latest fraud and risk reduction strategies. Learn about current scams plus fraud and risk

management tools and tactics available to issuers, acquirers, and merchants.

A Look Inside PCI DSS v3.2

45 minutes, English, Free

Are you responsible for securing cardholder data? This online course outlines what to expect with the latest release of the Payment

Card Industry (PCI) Data Security Standards (DSS). You will learn about the key changes and dates associated with Version 3.2, as

well as impacts to Visa compliance programs.

Containment and Remediation of Security Breaches

45-minute course, English, US$25

In this 45 minute online course we’ll examine the “cyber attack kill chain” to identify the process attackers take to breach networks

and what you can do to prevent compromise at each phase. We’ll review a merchant case study to demonstrate why a breach

occurred, and how you can avoid these types of mistakes. We will also take an in-depth look at containment, eradication and

remediation measures to consider. Want to tackle cyber thieves straight on, view this online course.

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© 2016. Visa. All Rights Reserved.

Data Security Basics for Small Merchants

40-minute course, English, US$25

Don’t let your small business merchants put their critical data at risk! This 40 minute online course provides an in-depth look at the

controls and actions that today’s small business merchants need to address the latest data security challenges and protect their

business and customers from data thieves. The primary goal of this course is to help small merchants become more active in

building and sustaining a culture of data security.

Detecting and Reporting a Common Point of Purchase

60-minute course, English, US$25

This replay of a live webinar from March 2016 is intended to help issuers identify and report common points of purchase for data

compromise events. The webinar briefly reviews the data compromise cycle and highlights the Visa security pillars that address

data compromise. It also covers the new forms and tools required for reporting data compromised at a common point of

purchase.

eCommerce Fraud: Tips and Tools to Manage Your Merchant Fraud Risk

30-minute course, English, US$25

Help your merchants build a reliable risk management system to protect their eCommerce business. This 30 minute online course

serves as a playbook for how acquirers can train merchants to build a reliable fraud prevention system. It covers the use of robust

internal files, intelligent transaction controls, and the tools and best practices that merchants needs to accurately review orders,

screen appropriately, and identify suspicious activities.

Fraud Prevention Strategies for Retail Transactions

30-minute course, English, US$25

Help merchants spot fraud schemes that can impact their business. This 30 minute online course discusses how merchants, both

card present and card not present, can identify and avoid fraud. The course is designed to help merchants better understand

common methods of fraud and how to protect themselves.

Fraud Risk Strategies: August 2016 Webinar Replay

Want to learn more about the fraud landscape and how you can benefit from effective authorization rules strategies? This course is

a replay of the Fraud Risk Strategies webinar offered in July and August of 2016, where four Visa experts discussed timely fraud risk

strategies, EMV and chargeback policy updates, as well as fraud characteristics issuers should be familiar with for the Brazil market.

Guarding Against Card-Not Present (CNP) Fraud

40-minute course, English, US$25

With card not present (CNP) transactions on the rise, protecting against fraud risk is more important than ever. E-commerce sales

is projected to reach 3.5 trillion dollars in 2019. Although this is great for the industry, it is also an opportunity for fraud. Join us for

an informative look at CNP and mobile trends, as well as best practices for mCommerce fraud strategy. This course is a replay of

the live webinar in September 2016.

Identifying and Mitigating Threats to eCommerce Payment Processing

30-minute course, English, US$25

Do you handle or manage risk investigations and compromises? This 30 minute course provides an overview of cybercrime, and

shares examples of code and chatter that some cyber criminals use. You will also get a look at some of the top attacks that can

lead to your data being exposed on the web. We will discuss the Payment System Risk (PSR) group at Visa, and how they handle

threats to ecommerce merchants and other entities that process or store cardholder data.

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© 2016. Visa. All Rights Reserved.

Improve Fraud Detection with PCS: August 2016 Webinar Replay

40-minute course, English, US$25, For U.S. Clients

Criminals increasingly target prepaid products that more and more consumers use for every day purchases. One way to better

detect and prevent fraud schemes is to share information. Visa’s Prepaid Clearinghouse Service (PCS) is the only centralized

database in the U.S. where reporting is standardized and required for new prepaid applications. This webcast explains how PCS

collects and analyzes information. You will also learn how you can use this data, such as prepaid card enrollments, loads, and

unauthorized transaction requests, to better detect and prevent fraud schemes on prepaid cards. This course is a replay of the

August 2016 live webinar.

Improving Issuer Authorization Rates With Visa Consumer Authentication Service

20-minute course, English, Free

Find out how you can confidently authenticate consumers prior to authorization and allow the majority of your low risk

transactions to proceed without the need for additional verification. This can help you minimize abandonment at the point of

purchase and improve your cardholder’s experience. This 20 minute online course explains how you can increase your online

transaction authorization acceptance rates, decrease fraud, and achieve the proper balance between risk and reward.

Introduction to Fraud Prevention for Acquirers

80-minute course, English, US$50

Acquirers: Learn how to identify and handle the current fraud scams that pose the biggest threats to your business. This 80-minute

online course delivers an overview of the serious fraud issues that acquirers face today, the types of criminals involved, and the

current fraud schemes carried out around the world. This course also covers practices in a card-present and card-not-present

environments. This information can help you mitigate future fraud losses through careful merchant monitoring. It also draws upon

real-world examples from law enforcement professionals and acquirers.

Introduction to Fraud Prevention for Issuers

45-minute course, English, US$50

Issuers: Learn how to stop fraud in its tracks – today. This 45-minute online course will help you identify the current fraud scams

that pose the biggest threats to your business. This course addresses the various fraud schemes that are currently being carried out

worldwide, the types of criminals involved, and the key tactics they use to steal from issuing financial institutions. It also explains the

various fraud prevention tools and strategies that you can use to successfully combat fraud and prevent associated losses. The

real-world cases and examples demonstrate how different fraud scams are played out at the issuer level.

Issuers' Clearinghouse Service (ICS)

52-minute course, English, US$25

In this day of innovation, issuers are looking for ways to mitigate fraud. The Issuers’ Clearinghouse Service (ICS) is a helpful fraud

mitigation tool. In this webcast, two Visa experts talk about the current fraud landscape, and how ICS can help you address

application fraud and account takeover fraud, as well as other types of fraud. They also talk about how ICS can help you assess

credit risk, and suggest best practices throughout the account lifecycle.

Managing Credit Risks

20-minute course, English, US$25

Understand the risks involved in launching and running a card program. This 20 minute online course addresses managing risks

related to selecting customers, operating accounts and recovering debts. It also emphasizes the importance of monitoring your

financial institution’s risk strategy in the ever-changing market and consumer landscape. This course is included in

the Fundamentals of Visa Business bundled courses.

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© 2016. Visa. All Rights Reserved.

Managing Risk for Issuers Implementing Chip

30-minute course, English, US$25

As you transition to EMV chip, it’s important to develop a robust risk mitigation strategy. This 30 minute online course describes

the chip data and chip related data fields that you can use to build systematic fraud rules. This information will help you pinpoint

high risk transactions and tap into the power of chip data for greater fraud detection.

Protect the Payment System from Account Testing

45 minutes, English, US$25

Ever wonder about how account testing may affect your business? During this webcast, Visa experts will explain account

testing and review the latest trends. They will also outline the best practices for detecting a testing incident, as well as the

steps all parties in the payment system should follow to respond. The webcast is a replay of the Visa webinar that was held

during September 2016.

Strategies to Effectively Manage Data Compromise

30-minute course, English, US$25

Learn about the latest data comprise trends and how malware at point of sale works. This 30-minute course provides an overview

of the data threat landscape, the methods attackers use, and the investigation process of a suspected data compromise. It also

walks through some of the intrusions that Visa sees through the Compromised Account Management System (CAMS) and what to

do when a breach occurs.

Threat Landscape: Skimming at the Point of Sale

40-minute course, English, Free

Learn how to safeguard your merchants against skimming attacks and what to do if they become a target. This replay of a live

webinar from June 2016 discusses how fraudsters are targeting magnetic-stripe transactions by using sophisticated skimming

devices at the point of sale.

Visa Purchase Alerts - Participation Options

20-minute course, English, Free

Did you know that cardholder transaction alerts can help reduce fraud up to 40 percent? This 20 minute course walks through the

October 2016 transaction alert requirement for U.S. issued cards, and highlights the new, free Visa Purchase Alerts service, as well

as other more robust alert services. Stop fraud in its tracks! Find out how you can help your cardholders become more active in

monitoring their account transactions and reporting any suspicious activity.

Visa Purchase Alerts - Product Overview

10 minutes each, English, Free

Did you know that cardholder transaction alerts can help reduce fraud up to 40 percent? Effective 14 October 2016, all U.S. issuers

must give cardholders the option to enroll in transaction alerts. To help issuers meet this requirement, Visa will offer the Visa

Purchase Alerts website. This website will be available to cardholders and will enable them to learn more about Visa Purchase

Alerts, sign into their Visa Purchase Alerts account, and enroll their eligible Visa cards.

Visa Risk Performance Tracking (VRPT)

5-minute course, English, Free

Get a quick preview of the Visa Risk Performance Tracking (VRPT) system. This quick course walks you through the screens that

acquirers use to view the case information of merchants that have entered a risk program. Highlights include viewing cases and

transaction details, as well as submitting a remediation plan to Visa.

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Visa Strategy Manager Overview and Enhancements

21-minute course, English, Spanish, US$25

As technology becomes more sophisticated and available, the opportunities for fraud continue to change. In this short online

course, two Visa experts share how Visa Strategy Manager can help banks identify fraud patterns, and how to use it to analyze and

implement suggested rules. This is a great course for issuers involved in fraud prevention efforts. Also available in Spanish.

Visa Threat Intelligence: Webinar Series

50-60 minutes each, English, Free

Learn how to prevent and detect cyber threats to your payments systems in a series of recorded webinars hosted by Visa and

FireEye. Visa Threat Intelligence, powered by FireEye, delivers real-time threat information to merchants and issuers so they can

quickly assess and act on the most critical cyber-attacks that could breach their payment systems. You can access this series and

other Visa Threat Intelligence information publicly at this website.