Visa Authorization Characteristics Indicator (ACI)
Definition
This value reflects the results of the Visa Custom Payment Service (CPS) evaluation of the transaction by the Visa network upon processing an authorization.
What is Visa Custom Payment Service (CPS)
The Visa® Custom Payment Service (CPS) program outlines transaction data criteria and processing standards that U.S. merchants must meet to qualify for a CPS program, while at the same time improves risk management techniques. CPS rules vary based on the type of transactions processed.
One of the chief criteria for CPS qualification is including address in the transaction. Have the cardholder’s address validated at the time of transaction, when required. Exceptions are bill payment transactions, Visa corporate card transactions, Visa purchasing card transactions.
Where to Find ACI
ACI is returned only for transactions performed using a Visa payment credential.
Benefits and How to Use ACI
Questions?
Check with your TabaPay account representative to find out if your MCC qualifies for CPS/Card Not Present interchange rates.
Feel free to contact your TabaPay account representative if you receive an N or a T.
A value of N means that the transaction does not qualify for CPS and therefore any of the CPS interchange values will not apply.
A value of T means that no CPS program is available for the transaction.
An X means that CPS was disqualified for the transaction
| ACI Code | Description |
|---|---|
| A | Card Present. |
| C | Card Present with merchant name and location data (cardholder-activated, self-service terminal). |
| E | Card Present with merchant name and location data. |
| F | Card Not Present—Account Funding. |
| K | Card Present with key-entry |
| J | Card Not Present—Recurring Bill Payment. |
| N | Not a payment service transaction. |
| P | Card Not Present (Preferred Customer participation requested) |
| R | Card Not Present (Address Verification Service not required). |
| S | Electronic Commerce 3-D Secure Attempts |
| T | A CPS Program was not available when authorized |
| U | Card Not Present—3-D Secure Electronic Commerce. |
| V | Card Not Present (Address Verification Service requested). |
| W | Card Not Present—Non-3-D Secure Electronic Commerce |
| X | Disqualified custom payment service transaction (inserted by BASE II) |
Updated 1 day ago