Visa Reason Codes

Visa reason codes are a string of numbers assigned to different explanations for chargebacks.

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

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
Bridging the Gap in Payment Processing Technology

Being an online merchant can be a careful balancing act. You want to deliver quality service to your customers, while maintaining security and a good cash flow. In theory, it doesn’t sound too bad, but if one small thing goes awry in the transaction chain, it can be difficult and costly to figure out what went wrong. This might shake customer faith in your business, present extra security concerns, and eat into profitability. If nothing else, having a long process between the time the customer puts their card info in to the transaction actually hitting your pockets is just tedious.

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