Reference pagesReason codes
Authorization
Visa 11.2: Declined Authorization
A Visa dispute reason code, what it asks you to prove, and what Do The Proof puts in the response.
What this code means
Transaction forced after a decline/pickup response
What the network says wins it
evidence that the transaction was authorized
- Authorization and processing records
How the app handles it
Arrives in the app as: General
How long you have to respond
- Merchant or acquirer response
- 30 days
- Cardholder dispute window
- 120 days, or 540 days for delayed delivery
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.
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.
Where this comes from
- Visa, Dispute Management Guidelines for Visa Merchants, June 2024
- Stripe, reason code categories Accessed 8 September 2026.
Other Visa authorization codes
Do The Proof drafts dispute responses for Shopify stores.
You pay when a dispute is won. Not before.