Visa Europe Payment Stop Service

Empower cardholders with more control over unwanted card-on-file payments.

The Visa Europe Payment Stop Service (VEPSS) enables issuers to handle customers' stop payment instructions for recurring, instalment and other card-on-file payments.

available for use by:

Issuer Banks
Independent Developers

Empower cardholders with more control over unwanted card-on-file payments

The Visa Europe Payment Stop Service (VEPSS) enables Visa card issuers to stop card-on-file payments (including recurring and installment payments) from being authorized, cleared, and settled through VisaNet. The service provides issuers with a method for handling cardholder stop payment instructions.

Key Features

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Give your customers a path to stop unwanted card-on-file payments.

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Build stop payment capability into your front and back office workflows.

Why Use It?

Offers a Wealth of Benefits to Issuers

  • Helps issuers in Europe comply with their regulatory requirements when consumers instruct them to stop payments from debiting their accounts.
  • Can reduce the need for issuers to charge back payments.
  • May improve the cardholder experience when merchants are unresponsive.
  • Can reduce recurring payments operational costs.

Benefits Acquirers, Too

  • Provides acquirers and their merchants with descriptive authorization response codes and return reason codes.
  • Helps reduce chargebacks and authorization declines by providing information that a stop instruction is on file.
  • Encourages consistent handling of stop payment instructions and revocation of authorization orders.

Gives Cardholders Convenience and Control

VEPSS gives cardholders a way to stop future card-on-file payments from debiting their accounts, facilitating more control and convenience. Visa provides an integrated solution within an issuer's back-office or call center application to allow them to initiate stop payment instructions.


Keeps Merchants Informed While Reducing Chargebacks

VEPSS lets merchants know that a consumer has withdrawn their consent for them to take payment from their card. This communication enables consistent handling of stop instructions, which may reduce chargebacks.


How Does It Work?

Through this service, issuers can place stop payment instructions in the VisaNet Cardholder Database (CDB) on behalf of their cardholders, which effectively informs acquirers and their merchants, via an authorization response code, that a cardholder has withdrawn their consent for payment to be taken from a specific card. When a matching stop payment instruction is in place, VisaNet will decline the transaction to the acquirer on behalf of the issuer during authorization. If the transaction is submitted for clearing and settlement, VisaNet will return the transaction to the acquirer.

The process for stopping a payment is as follows:

  1. The issuer creates a stop payment instruction using the VEPSS application on Visa Online.
    1. The instruction is allocated a unique ID and contains the Visa card number, the stop payment type, the merchant matching detail (Card Acceptor ID, Merchant Name or MCC) and may optionally include a transaction amount range. The active date range is also specified.
  2. VisaNet matches authorization and clearing messages based on:
    1. Transactions identified as "eligible" for stopping.
    2. Matching criteria defined in the stop payment instruction.
  3. If a match is identified, VisaNet:
    1. Declines an authorization request with a specific response code, either R1 or R3 and sends an advice to the issuer.
    2. Returns a clearing message to the acquirer with a specific return/reclassification reason code, either C1 or C2.
  4. Stopped transactions are assigned back to the specific stop instruction ID, allowing stop instruction performance to be assessed by the issuer.

APIs Included

Stop Instruction Create API

A new stop instruction can be created. Future eligible transactions can be stopped, where the card number (PAN) and Merchant ID (CAID) match the stop instruction details.

Stop Instruction Retrieve API

Active stop instructions against a card number (PAN) can be retrieved. Stop instructions can then be cancelled if required using the Stop Instruction Cancel API.

Stop Instruction Cancel API

Existing stop instructions can be cancelled. Used together with the Stop Instruction Retrieve API, this can prevent future transactions against a specified merchant from being stopped.

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