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 at each phase
Chargeflow, Visa reason codes, updated 3 September 2026, Chargebacks911 reason-code pages: Visa 28 January 2025, Mastercard 7 April 2026, American Express 1 April 2025, Discover 17 April 2019
Cardholder dispute window: 120 days, or 540 days for delayed delivery
Chargeflow, Visa reason codes, updated 3 September 2026
These are the network limits. Your acquirer often sets a shorter one, and theirs is the deadline that applies to you.
After you respond
- Allocation disputes, which are the 10 and 11 codes, assign liability automatically and can only be contested through pre-arbitration. Visa, Dispute Management Guidelines for Visa Merchants, June 2024, Chargebacks911 reason-code pages: Visa 28 January 2025, Mastercard 7 April 2026, American Express 1 April 2025, Discover 17 April 2019
- Collaboration disputes, which are the 12 and 13 codes, take a merchant response, then issuer pre-arbitration, then arbitration. Visa, Dispute Management Guidelines for Visa Merchants, June 2024, Chargebacks911 reason-code pages: Visa 28 January 2025, Mastercard 7 April 2026, American Express 1 April 2025, Discover 17 April 2019
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, Chargeflow, Visa reason codes, updated 3 September 2026
- The 13.2 remedy narrowed on 19 October 2024 to proof the cardholder used the service after cancelling. 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, Chargeflow, Visa reason codes, updated 3 September 2026
- VDMP and VFMP merged into VAMP on 1 April 2025. The threshold moved from 2.2 percent in June 2025 to 1.5 percent on 1 April 2026, with enforcement from 1 October 2025. Chargeflow, Visa reason codes, updated 3 September 2026, Ravelin, VAMP changes, updated January 2026
- Code 10.5 still carries the Visa Fraud Monitoring Program name in the 2024 guide and in Stripe. A rename after the VAMP merge is unconfirmed. Stripe, reason code categories, Visa, Dispute Management Guidelines for Visa Merchants, June 2024, Chargeflow, Visa reason codes, updated 3 September 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
Sources read 2026-09-08.
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