Visa Reason Codes

Understanding Visa Reason Codes

Each Visa reason code represents a specific type of dispute raised by cardholders against merchants. Understanding these codes is essential for identifying risk patterns, preventing future chargebacks, and protecting your revenue.

Total Reason Codes

25 Active Codes

Average Win Rate

56% Success Rate

Prevention Rate

Up to 85%

Referral Partner

Complete reference guide for chargeback reason codes

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	

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Frequently
Asked Questions

To answer common concerns and reduce hesitation from potential users.

What are Visa Reason Codes?

Visa Reason Codes are numeric identifiers that explain why a transaction was disputed or charged back.

Why are Visa Reason Codes important for merchants?

They help you understand the dispute reason so you can prepare the most effective response and reduce future chargebacks.

Do all Visa chargebacks come with a reason code?

Yes — every Visa chargeback includes a specific reason code that categorizes the dispute.

Can knowing these codes improve my representment success?

Yes — understanding the exact Visa reason code allows you to tailor your evidence and improve your chances of winning.