Visa Chargeback Reason Codes

Visa sorts disputes into four categories: 10 Fraud, 11 Authorization, 12 Processing Errors and 13 Consumer Disputes. The first part of your code tells you which one you have.

Pick your code below. Each page says what the cardholder claims and what proof answers it.

Code	What it covers
10.1	What Visa Reason Code 10.1 Means for Merchants Visa reason code 10.1 covers counterfeit card fraud. Learn when it applies, when it does not, and how to fight it with chip data or Compelling Evidence.
10.2	How Merchants Should Handle Visa Reason Code 10.2 Code 10.2 covers fraud claims on lost or stolen chip cards. Here is when it applies, when it is invalid, and what proof you can send.
10.3	What Visa reason code 10.3 means for merchants Code 10.3 covers fraud claims on sales made with the card in hand. Here is when it applies and how to answer it.
10.4	Visa reason code 10.4 explained for merchants Code 10.4 covers fraud claims on online, phone and mail orders. Learn what it means and how to fight it with the right proof.
10.5	What Visa reason code 10.5 means for merchants Code 10.5 is the Visa Fraud Monitoring Program. It is the one code that lets an issuer dispute the same sale twice.
11.2	Visa Reason Code 11.2: Declined Authorization A sale went through after the card was declined. That is what 11.2 means, and here is what to do about it.
11.3	What Visa Reason Code 11.3 Means and How to Fight It Code 11.3 says a sale went through without authorization, or too late. Here is what it means and how to answer it.
12.2	What Visa Reason Code 12.2 Means for Merchants A 12.2 dispute says you ran the wrong kind of transaction. Here is what that means and how to answer it.
12.3	Visa Reason Code 12.3: Incorrect Currency Explained Visa reason code 12.3 means the currency on the sale was wrong, or the cardholder never agreed to Dynamic Currency Conversion. Here is how to answer it and stop it.
12.4	Visa Reason Code 12.4: Incorrect Account Number A 12.4 dispute says you ran the sale on the wrong card number. Here is what that means, when it is fair, and how to answer it.
12.5	What Visa Reason Code 12.5 Means for Merchants The cardholder says the amount you charged is wrong. Here is what counts as a 12.5 dispute and how to answer it.
12.6	What Visa reason code 12.6 means Code 12.6 covers two claims: the same sale charged twice, or a bill the customer already paid another way. Here is how to tell them apart and answer each one.
12.7	What Visa Reason Code 12.7 Invalid Data Means A 12.7 dispute says your authorization used bad data. Here is what that means and how to answer it.
13.1	Visa Reason Code 13.1: A Merchant's Guide A 13.1 dispute says the goods or services never arrived. Here is what the code means, what proof wins, and how to stop the next one.
13.2	What Visa Reason Code 13.2 Means for Merchants A cardholder says they cancelled a recurring charge. Here is what the code covers and how to answer it.
13.3	How to Answer a Visa Reason Code 13.3 Dispute A 13.3 dispute means the buyer says the item was not as described or was defective. Here is how to fight back with proof that fits.
13.4	Visa Reason Code 13.4: Counterfeit Merchandise A 13.4 dispute means someone ruled the goods fake. Here is what the code covers and how to fight it with proof the items were real.
13.5	Visa Reason Code 13.5: What Misrepresentation Means A 13.5 dispute says you misled the buyer about the deal itself. Here is what counts, what does not, and how to answer it.
13.6	Visa Reason Code 13.6: Credit Not Processed A cardholder says you promised a refund and it never arrived. Here is what 13.6 means and how to answer it.
13.7	Visa Reason Code 13.7: Cancelled Merchandise A 13.7 dispute means the buyer says they cancelled or returned, and you never gave the money back. Here is what to do about it.
13.8	What Visa reason code 13.8 means for merchants A 13.8 dispute says the person who got an Original Credit Transaction refused it. Here is what that means and how to answer it.
13.9	Visa Reason Code 13.9: Cash Not Received at an ATM A cardholder says the ATM paid nothing or too little. Here is what the code means and how to answer it with your ATM records.