877-203-6624 support@payarc.com
Select Page

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

Credit Card Processing

Fill in the form below to get in touch with us and learn how your business can save on credit card processing fees.

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

Cost Saving Credit Card Processing

Join thousands of other businesses who trust PayArc and save your money on credit card processing fees.