23 codes that cover most of what an originator sees. Each one carries the decision: retry or stop, how long the receiving institution has to send it, what the guidance rests on, and when it was last checked.
On a rail fact, every detail line names the section or instrument it rests on and whether that is a rule, a law, operator guidance, or observed practice.
Not yet covered: Europe Members process under the separate Visa Europe Operating Regulations for Processing where those apply, and that document was not found or read, so Europe-processed disputes may follow rules not shown here; domestic transactions processed outside VisaNet under a Private Agreement may follow other dispute rules; arbitration and compliance (Visa Core Rules sections 11.11 to 11.13) are named in each record only as the last stage; filing fees, documentation and appeal rules are not described; Rapid Dispute Resolution, the Chargeback Reduction Service and the Visa Resolve Online questionnaire content are not described; the Visa Fraud Monitoring Program and the Card Recovery Bulletin are referred to by name; their own rules and thresholds are not described; the older numbered chargeback reason codes that still circulate in processor documentation are not mapped to these conditions.