• Acquirer – Generated reversals : Acquirers generate a reversal in the following circumstances
o When the cardholder cancels the financial transaction or when the transaction is cancelled for any other reason.
o To reverse a prior request when the acquirer’s system did not receive a response, received a late response, or is unable to forward an approval response to the ATM.
o When the ATM fails to dispense funds or when a completion message is not received from the ATM.
o When a communications failure prevents transmission of a reversal request, as described in this section. The acquirer system stores the reversal and then forwards into Visa Net when communications are restored.