Visa guide can be found here.
Visa Reference Code
Category
Description
10.1
Category 10 – Fraud
EMV Liability Shift Counterfeit Fraud
10.2
Category 10 – Fraud
EMV Liability Shift Non-Counterfeit Fraud
10.3
Category 10 – Fraud
Other Fraud – Card Present Environment
10.4
Category 10 – Fraud
Other Fraud – Card Absent Environment
10.5
Category 10 – Fraud
Visa Fraud Monitoring Program
11.1
Category 11 – Authorization
Card Recovery Bulletin or Exception File
11.2
Category 11 – Authorization
Declined Authorization
11.3
Category 11 – Authorization
No Authorization
12.1
Category 12 – Processing Error
Late Presentment
12.2
Category 12 – Processing Error
Incorrect Transaction Code
12.3
Category 12 – Processing Error
Incorrect Currency
12.4
Category 12 – Processing Error
Incorrect Transaction Account Number
12.5
Category 12 – Processing Error
Incorrect Transaction Amount
12.6
Category 12 – Processing Error
Duplicate Processing or Paid by Other Means
12.7
Category 12 – Processing Error
Invalid Data
13.1
Category 13 – Consumer Dispute
Services Not Provided or Merchandise Not Received
13.2
Category 13 – Consumer Dispute
Cancelled Recurring Transaction
13.3
Category 13 – Consumer Dispute
Not as Described or Defective Merchandise/Services
13.4
Category 13 – Consumer Dispute
Counterfeit Merchandise
13.5
Category 13 – Consumer Dispute
Misrepresentation of the purchased good and/or service
13.6
Category 13 – Consumer Dispute
Credit Not Processed
13.7
Category 13 – Consumer Dispute
Cancelled Merchandise/Services
13.8
Category 13 – Consumer Dispute
Original Credit Transaction Not Accepted
13.9
Category 13 – Consumer Dispute
Non-Receipt of Cash or Load Transaction Value at ATM