# Visa

> Chargeback reason codes of Visa.

| **Chargeback** **Categories** | **Reason Code** | **Reason** | **Description** |
| --- | --- | --- | --- |
| Fraud | 10.1 | EMV Liability Shift –Counterfeit Fraud | The cardholder is claiming that they did not authorize or participate in the transaction. The cardholder may also claim that a counterfeit card authorized a transaction from his or her account. |
| Fraud | 10.2 | EMV Liability Shift – Non-Counterfeit Fraud | The cardholder is claiming that they did not authorize or participate in a transaction originated with the EMV terminal |
| Fraud | 10.3 | Other Fraud – Card-Present Environment | The cardholder never authorized or participated in a Card Present environment transaction. |
| Fraud | 10.4 | Other Fraud – Card-Absent Environment | The cardholder did not authorize or participate in a transaction conducted in a Card Not Present environment |
| Fraud | 10.5 | Visa Monitoring Program | The issuer chargeback a transaction that belong to Visa Monitoring Program. |
| Authorization | 11.1 | Card Recovery Bulletin | The merchant apparently did not get authorization for the transaction through an account number listed in the Card Recovery Bulletin. |
| Authorization | 11.2 | Declined Authorization | The authorization was declined, but the transaction was processed anyway. |
| Authorization | 11.3 | No Authorization | Authorization was not obtained on the transaction, |
| Processing Error | 12.1 | Late Presentment | The transaction was not processed within the required time-limit. |
| Processing Error | 12.2 | Incorrect Transaction Code | The transaction was processed with an incorrect transaction code. |
| Processing Error | 12.3 | Incorrect Currency | The transaction was processed with an incorrect currency code. |
| Processing Error | 12.4 | Incorrect Account Number | The transaction did not receive authorization and was processed using an account number that does not match any on the issuer's master file or an original credit was processed using an account number that does not match any on the issuer's master file. |
| Processing Error | 12.5 | Incorrect Amount | The transaction was processed with an incorrect amount. |
| Processing Error | 12.6 | Duplicate Processing/Paid by Other Means | The transaction was processed more than once or has already paid by other means. |
| Processing Error | 12.7 | Invalid Data | An authorization was obtained using invalid or incorrect date. |
| Processing Error | 12.8 | Point-of Interaction Error | Other Processing Error |
| Consumer Dispute | 13.1 | Merchandise/Services Not Received | The cardholder claims that merchandise or services that they ordered were not received or that the cardholder cancelled the order as the result of not receiving the merchandise or services by the expected delivery date. |
| Consumer Dispute | 13.2 | Cancelled Recurring Transaction | A recurring transaction was processed after it was cancelled or that the cardholder’s account was closed. |
| Consumer Dispute | 13.3 | Not as Described or Defective Merchandise/Services | Goods or services received were not as described on the transaction receipt or other documentation presented to the cardholder or, if a mail/phone order or online purchase, as described by the merchant or, the merchandise was received damaged, defective or otherwise unsuitable for the purpose sold. |
| Consumer Dispute | 13.4 | Counterfeit Merchandise | The cardholder claims that the purchased merchandise was counterfeit. |
| Consumer Dispute | 13.5 | Misrepresentation | The cardholder claims that the terms of the sale were misrepresented. |
| Consumer Dispute | 13.6 | Credit not processed | The cardholder received a credit or voided transaction receipt that was not processed. |
| Consumer Dispute | 13.7 | Cancelled Merchandise/Services | The cardholder claims that the merchant had charged him or her for a merchandise/service that was canceled. |
| Consumer Dispute | 13.8 | Original Credit Transaction Not Accepted | The cardholder received a credit or voided transaction receipt, but the Refund has not been processed. |
| Consumer Dispute | 13.9 | Non-Receipt of Cash or Load Transaction Value | The cardholder claims that they did not receive the full cash withdrawal at an ATM. |
| Consumer Dispute | 13.10 | Cardholder Dispute | The cardholder claims that they have dispute about the transaction they approve. |