On This Page

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

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

This type of transaction retrieves outstanding debt in the event of a decline of the aggregated, end-of-day transaction. A debt recovery transaction is also required in order to remove a card from a deny list. Card schemes require you to process merchant-initiated debt recovery. You can also offer tap-initiated debt recovery at the transit entry point or cardholder-initiated debt recovery online.

#### Figure: {#um-intro-models-debtrecov_fig_i2s_cs5_25b}

Merchant-Initiated Debt Recovery Flow  
![Diagram that illustrates a merchant-initiated debt recovery.](/content/dam/new-documentation/documentation/en-us/topics/payments-processing/card-processing/mass-transit/images/svg/merch-initiated-visa-debt-recovery-flow.svg/jcr:content/renditions/original)
