Since VCR became effective in April 2018, several Issuers have reported challenges with the RTSIs if the source (transaction) currency and destination (posted) currency are different and the “response” amount has been recalculated by VisaNET when liability is shifted back to the Issuer in a decline or partial scenario. A new FX component has been introduced for Issuers who use Visa Financials. This addresses the main challenges with FX gain/loss as well as ensuring all processing is completed using the destination currency.