VISA Chargebacks

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VISA Chargebacks2019-02-14T13:50:53+00:00

VISA has their own system for chargeback reason codes that took effect April 2018.. Below you will find a comprehensive list of VISA’s chargeback codes. If you prefer to view this in PDF format you can

Visa Chargeback Reason Codes In Effect April 2018

Code Category Description
10.1 Fraud (10) EMV Liability Shift Counterfeit Fraud
10.2 Fraud (10) EMV Liability Shift Non-Counterfeit Fraud
10.3 Fraud (10) Other Fraud – Card Present Environment
10.4 Fraud (10) Other Fraud – Card Absent Environment
10.5 Fraud (10) Visa Fraud Monitoring Program
11.1 Authorization (11) Card Recovery Bulletin or Exception File
11.2 Authorization (11) Declined Authorization
11.3 Authorization (11) No Authorization
12.1 Processing Errors (12) Late Presentment
12.2 Processing Errors (12) Incorrect Transaction Code
12.3 Processing Errors (12) Incorrect Currency
12.4 Processing Errors (12) Incorrect Transaction Account Number
12.5 Processing Errors (12) Incorrect Transaction Amount
12.6 Processing Errors (12) Duplicate Processing or Paid by Other Means
12.7 Processing Errors (12) Invalid Data
13.1 Consumer Disputes (13) Services Not Provided or Merchandise Not Received
13.2 Consumer Disputes (13) Cancelled Recurring Transaction
13.3 Consumer Disputes (13) Not as Described or Defective Merchandise/Services
13.4 Consumer Disputes (13) Counterfeit Merchandise
13.5 Consumer Disputes (13) Misrepresentation of the purchased good and/or service
13.6 Consumer Disputes (13) Credit Not Processed
13.7 Consumer Disputes (13) Cancelled Merchandise/Services
13.8 Consumer Disputes (13) Original Credit Transaction Not Accepted
13.9 Consumer Disputes (13) Non-Receipt of Cash or Load Transaction Value at ATM

Visa Chargeback Reason Codes Pre – April 2018

Code Description
30 Services Not Provided or Merchandise Not Received
41 Cancelled Recurring Transaction
53 Not as Described or Defective Merchandise
57 Fraudulent Multiple Transactions
60 Illegible Fulfillment
62 Counterfeit Transaction
71 Declined Authorization
72 No Authorization
73 Expired Card
74 Late Presentment
75 Transaction not recognized
76 Incorrect Currency or Transaction Code or Domestic
77 Non-Matching Account Number
80r Incorrect Transaction Amount or Account Number
81 Fraud—Card-Present Environment
82 Duplicate Processing
83 Fraud—Card-Absent Environment
85 Credit Not Processed
86 Paid by Other Means
96 Transaction Exceeds Limited Amount