Reference pagesReason codes
Reason codes · Visa
Visa reason codes
Every Visa dispute reason code, what it means, and what the network says wins it. 24 current, and 1 the network has retired.
Fraud
Authorization
Processing error
Consumer dispute
| Code | Name | Filed as |
|---|---|---|
| 13.1 | Merchandise/Services Not Received | Product not received |
| 13.2 | Cancelled Recurring Transaction | Subscription canceled |
| 13.3 | Not as Described or Defective Merchandise/Services | Product not as described |
| 13.4 | Counterfeit Merchandise | Product not as described |
| 13.5 | Misrepresentation | Product not as described |
| 13.6 | Credit Not Processed | Credit not processed |
| 13.7 | Cancelled Merchandise/Services | Credit not processed |
| 13.8 | Original Credit Transaction Not Accepted | General |
| 13.9 | Non-Receipt of Cash or Load Transaction Value | Product not received |
How long you have
Merchant or acquirer response: 30 days
JPMorgan Chase, User Guide: Chargeback Reason Codes, October 2024
Cardholder dispute window: 120 days, or 540 days for delayed delivery
JPMorgan Chase, User Guide: Chargeback Reason Codes, October 2024
These are the network limits. Your acquirer often sets a shorter one, and theirs is the deadline that applies to you.
After you respond
- An allocation dispute is a Visa dispute in categories 10 (Fraud) and 11 (Authorization). Visa's current rules call these dispute categories 10 and 11. Visa decides liability from the dispute condition itself, so there is no stage at which you send a response for the issuer to weigh. Your acquirer's only route is a pre-arbitration attempt. Visa's rules set out the stages for these two categories as Dispute, Pre-Arbitration Attempt and Pre-Arbitration Response, with no Dispute Response stage in between. Visa, Visa Core Rules and Visa Product and Service Rules, 18 April 2026
- A collaboration dispute is a Visa dispute in categories 12 (Processing errors) and 13 (Consumer disputes). Visa's current rules call these dispute categories 12 and 13. These take a response from you: your acquirer sends a Dispute Response, and the issuer must then address the evidence in it before it can make a pre-arbitration attempt. Unresolved, it goes on to arbitration. Visa, Visa Core Rules and Visa Product and Service Rules, 18 April 2026
What changed recently
- Code 12.1 was retired on 13 April 2024 and folded into 11.3. Visa, Dispute Management Guidelines for Visa Merchants, June 2024
- The 13.2 remedy narrowed on 19 October 2024 to proof the cardholder used the service after canceling. Visa, Dispute Management Guidelines for Visa Merchants, June 2024
- Compelling Evidence 3.0 applies to 10.4: two prior undisputed transactions 120 to 364 days old sharing two elements, an IP address or device plus an address, email or account ID, shift liability to the issuer. Stripe, Visa Compelling Evidence 3.0
- Code 10.5 still carries the Visa Fraud Monitoring Program name in the 2024 guide and in Stripe. The Visa Core Rules of 18 April 2026 still title the condition "Dispute Condition 10.5: Visa Fraud Monitoring Program" after the Visa Acquirer Monitoring Program (VAMP) merge. Stripe, reason code categories, Visa, Dispute Management Guidelines for Visa Merchants, June 2024, Visa, Visa Core Rules and Visa Product and Service Rules, 18 April 2026
Retired codes
Visa no longer files disputes under these. They are here because a dispute raised before the change still carries its original code, and because some processors still map them.
| Code | Name | Filed as |
|---|---|---|
| 12.1 | Late Presentment | General |
Related
- Mastercard reason codes
- American Express reason codes
- Discover reason codes
- Evidence by reason
- Dispute statuses
Accessed 8 September 2026.
Do The Proof drafts dispute responses for Shopify stores.
You pay when a dispute is won. Not before.