Scheme code system · Visa
Official01
Refer to card issuer
The response asks for issuer or acquirer referral rather than giving a normal approval.
- Outcome
- Declined
- Code system
- Visa
- Raw format
- Two-character numeric or alphanumeric action code
Operational context
No universal retry instruction encoded
Visa wording mapped to the SchemeLens “Refer to issuer” concept.
Use the current scheme, provider, transaction, and advice-code rules; the raw response value alone may be insufficient for a retry decision.
Explicit mapping
SchemeLens concepts
These links are editorial mappings, not replacements for the raw source value. The relation shows how closely the wording aligns.
| Concept | Relation | Mapping note |
|---|---|---|
| Refer to issuer | Direct semantic match | Visa wording mapped to the SchemeLens “Refer to issuer” concept. |
Namespace check
The same raw value exists elsewhere
- Mastercard 01Refer to card issuer
- UnionPay 01Contact the card issuer
Provenance
Sources used for this record
- Visa Developer: Request and Response Codes — Action CodeOfficial source for the published Visa action-code wording.Live web reference, verified 27 July 2026
- Visa: Visa Core Rules and Visa Product and Service RulesOfficial source for decline categories, qualifications, and merchant reattempt limits.April 2026, section 7.3.6.3
SchemeLens keeps source wording, normalized concepts, and operational guidance separate so later evidence can be added without rewriting the raw record.