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Visa Reason Code 96

Visa Chargeback Reason Code 96: Transaction Exceeds Limited Amount

Description

Merchant exceeded the allowable amount limit from a Limited Amount Terminal, a Self-Service Terminal or an Automated Fuel Dispenser. Card issuer received a transaction request that exceeds the account’s amount limit.

Most Common Causes:
  • Processed a transaction from a Limited-Amount Terminal and it exceeded $25.00
  • Processed a transaction from a Self-Service Terminal and it exceeded $50. It does not include transaction processed from an Automated Fuel Dispenser.
  • Processed a transaction from an Automated Fuel Dispenser and it exceeded $150 for Visa Fleet cards and $75 for all other cards.
Evidence Required
  • If the transaction is below the allowable amount, provide the copy of the order receipt that shows transaction amount clearly or audit tape as supporting document.
  • If the transaction is over the allowed amount, accept the chargeback.
  • If the merchant has issued a refund/credit on disputed charge to the cardholder, provide the proof of refund.
  • If the merchant hasn’t issued a refund/credit on disputed charge to the cardholder, accept the chargeback.
  • The chargeback from this reason may be reversed by supplying documentation that proves that the transaction was less than the approved amount, or prove that a credit was issued.

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Prevention
  • To prevent this type of chargeback the merchant needs to set the terminals below allowable transaction amount.
  • POS machines should work properly.
  • Automated Fuel Dispenser terminals should have the correct MCC code i.e. 5542 and store location should have MCC code i.e. 5541
Common Examples
  1. Linda purchases a software from a merchant, however, the bill went on above the expectation. Linda was still charged with the amount. The merchant had a limited-amount terminal but charged Linda with a larger amount, hence getting a chargeback under the Reason Code 96: Transaction Exceeds Limited Amount.
  2. George purchased a software from the same merchant, however, this time his amount was lesser than what Linda had paid. Still, the merchant received a chargeback under the Reason Code 96: Transaction Exceeds Limited Amount. Only this time he had reduced the cost of the software so as the match his limited amount criteria. The merchant has to provide documentation proving that the amount charged was an approved amount.

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Chargeback Prevention