Read the primary sources. Confirm the rules that apply to the actual transaction.
01
Network classification
Visa’s U.S. notice of December 2, 2021 expressly prohibits miscoding purchase transactions as ATM cash disbursements. Its October 2026 rules require accurate transaction data and cash disbursement for ATM transactions. Product naming does not change those requirements.
02
Business and location information
The actual merchant activity and location must be accurately represented. An industry guide, equipment specification, or sales description is not proof that a particular payment arrangement is authorized.
03
Questions to resolve before proceeding
Identify the acquirer, processor, networks, and transaction type. Ask how your exact business activity is supported and have the proposed arrangement reviewed against the applicable rules. Network requirements can change, so confirm current terms with the responsible parties.
Sources reviewed November 12, 2026. This page provides general information and does not determine the legal status or eligibility of a specific arrangement.