Visa Dispute Response Codes (Visa, 2018)

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

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