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Visa Reason Codes

Visa uses the four main categories to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors.

Code Description How To Win
30 Services Not Provided or Merchandise Not Received
41 Cancelled Recurring Transaction
53 Not as Described or Defective Merchandise
57 Fraudulent Multiple Transactions
60 Requested Copy Illegible or Invalid
62 Counterfeit Transaction
70 Account Number on Exception File
71 Declined Authorization
72 No Authorization
73 Expired Card
74 Late Presentment
75 Cardholder Does Not Recognize Transaction
76 Incorrect Transaction Code
77 Non-Matching Account Number
78 Ineligible Transaction (International only)/ Service Code Violation
79 Non-receipt of Sales Draft
80 Incorrect Transaction Amount or Account Number
81 Fraudulent Transaction – Card-Present Environment
82 Duplicate Processing
83 Fraudulent Transaction – Card-Absent Environment
85 Credit Not Processed
86 Paid By Other Means
90 Non-Receipt of Cash or Load Transaction Value at ATM or Load Device
93 Visa Fraud Monitoring Program
96 Transaction Exceeds Limited Amount

The Ultimate Dispute Management Resource

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