Visa Reason Codes

isa 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

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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

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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