On This Page

{#jumplink-list}  
[Markdown](/content/cybsdeveloper2021/amer/en/docs/cybs/en-us/urban-mobility/developer/ctv/rest/mass-transit/um-intro-overview/um-intro-models/um-intro-models-debtrecov.md)  
Filter  
FILTER BY TAG

Debt Recovery Transaction {#um-intro-models-debtrecov}
======================================================

Card schemes require merchants to support merchant‑initiated debt recovery. A *debt recovery transaction* retrieves outstanding debt when an aggregated end‑of‑day transaction is declined. This type of transaction is also required to remove a card from a deny list. You can also offer tap‑initiated debt recovery at the transit entry point or enable cardholders to initiate debt recovery online.

#### Figure: {#um-intro-models-debtrecov_fig_qp1_drd_j3c}

Merchant-Initiated Debt Recovery Workflow  
![Workflow diagram showing the merchant-initiated debt recovery process](/content/dam/documentation/cybs/en-us/topics/payments-processing/card-processing/mass-transit/images/merch-initiated-visa-debt-recovery-flow-425x330.svg/jcr:content/renditions/original)  
RELATED TO THIS PAGE