THE RAINY DAYS.

I AUTHORISATION II SETTLEMENT

Parts one and two showed the happy path. This is what the rails do when it rains: eight case files, from a void that takes seconds to a dispute that takes a month, each with the cost and who ends up wearing it.

SCENARIO Exceptions · eight ways the journey goes wrong//ROUTE CASE FILES 001–008//SOURCES Visa Core Rules · Visa dispute rules (VROL) · public guides

This interactive explainer covers eight card payment exceptions: the authorisation reversal that releases a hold in seconds, the refund riding the clearing rails in reverse, the clearing rejection bounced by the Edit Package, late presentment and its interchange downgrade, the incorrect amount, duplicate processing, the settlement failure absorbed by Visa's guarantee, and the full dispute lifecycle from chargeback through representment. JavaScript is required for the animated journeys.

Case files

SYSTEM // CASE FILES08 ON RECORD

The exception route

CASE 001 // REVERSALSTATUS IDLECLOCK 000 MS

READY

Pick a case file, or press transmit.

Case detail: gates, systems engaged, the damage

SYSTEM // CASE DETAILSTOP 00/00EXCEPTION

At this sectorOUT

Systems engaged

The damageCASE

SPACE PLAY/PAUSE · ←/→ STEP · CLICK ANY SECTOR TO JUMP

PART THREE OF THE TRANSACTION JOURNEY · PART ONE COVERED AUTHORISATION · PART TWO COVERED SETTLEMENT