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Visa Reason Codes

Visa Reason Codes

Visa reason codes are a string of numbers assigned to different explanations for chargebacks. All card brands have their own reason codes, and they’re meant to keep things organized when a dispute occurs. Visa has 4 categories for disputes: Fraud, Authorization, Processing Error, and Consumer Dispute.

Fraud Codes

Fraud is given the reason code 10. There are 5 fraud reasons:

10.1: EMV Liability Shift Counterfeit Fraud

10.2: EMV Liability Shift Non-Counterfeit Fraud

10.3: Other Fraud – Card Present Environment

10.4: Other Fraud – Card Absent Environment

10.5: Visa Fraud Monitoring Program

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Authorization Codes

Authorization is given the reason code 11. There are 3 authorization reasons:

11.1: Card Recovery Bulletin or Exception File

11.2: Declined Authorization

11.3: No Authorization

Processing Errors

 Processing Errors are given the reason code 12. There are 7 processing error reasons:

12.1: Late Presentment

12.2: Incorrect Transaction Code

12.3: Incorrect Currency

12.4: Incorrect Transaction Account Number

12.5: Incorrect Transaction Amount

12.6: Duplicate Processing or Paid by Other Means

12.7: Invalid Data

Consumer Disputes

 Consumer Disputes are given the reason code 13. There are 9 consumer dispute reasons:

13.1: Services Not Provided or Merchandise Not Received

13.2: Cancelled Recurring Transaction

13.3: Not as Described or Defective Merchandise/Services

13.4: Counterfeit Merchandise

13.5: Misrepresentation of the Purchased Good and/or Service

13.6: Credit Not Processed

13.7: Cancelled Merchandise/Services

13.8: Original Credit Transaction Not Accepted

13.9: Non-Receipt of Cash or Load Transaction Value at ATM

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