Visa Reason Codes

This page covers Visa's dispute codes, the ones with a dot in them like 10.4 or 13.1. Looking for Mastercard, Amex or Discover?

Four digits and no dot is Mastercard (4853), one letter and two digits is Amex (C08), two letters at the front is Discover (UA02, RG).

TL;DR

Fraud (10.x): 10.4 CNP Fraud most common. Fight with 3DS, CE 3.0
Authorization (11.x): Auth declined/not obtained. Check your auth process
Processing Errors (12.x): 12.6 Duplicate common. Check for double-processing
Consumer Disputes (13.x): 13.1 Not Received, 13.2 Cancelled Recurring most common
Response deadline: 30 days from notification; cardholder has 120 days from transaction

Every Visa dispute arrives with a code. It's the cardholder's claim, and it's what decides which evidence wins. Find yours below.

Reason Code Categories

Code	Name	Description
10.1	EMV Liability Shift - Counterfeit	Counterfeit card at non-chip terminal
10.2	EMV Liability Shift - Non-Counterfeit	Chip not read properly
10.3	Other Fraud - Card Present	Unauthorized CP transaction
10.4	Other Fraud - Card Not Present	Unauthorized CNP transaction
10.5	Visa Fraud Monitoring Program	VFMP compliance

Code	Name	Description
13.1	Merchandise/Services Not Received	Non-delivery
13.2	Cancelled Recurring	Subscription not cancelled
13.3	Not as Described/Defective	Quality dispute
13.4	Counterfeit Merchandise	Authenticity dispute
13.5	Misrepresentation	Misleading description
13.6	Credit Not Processed	Refund not received
13.7	Cancelled Merchandise/Services	Order cancelled
13.8	Original Credit Transaction Not Accepted	Refund to wrong card
13.9	Non-Receipt of Cash	ATM dispute

VCR runs disputes down two tracks.