Reference pagesReason codes
Authorization
Visa 11.3: No Authorization / Late Presentment
A Visa dispute reason code, what it asks you to prove, and what Do The Proof puts in the response.
What this code means
No authorization or late presentment (absorbed 12.1, 13 Apr 2024)
What the network says wins it
AUTH: online/offline chip authorization evidence
- Authorization and processing records
How Do The Proof handles it
Arrives in Do The Proof as: General
How long you have to respond
- Merchant or acquirer response
- 30 days at each phase
- Cardholder dispute window
- 120 days, or 540 days for delayed delivery
Allocation disputes, which are the 10 and 11 codes, assign liability automatically and can only be contested through pre-arbitration.
Collaboration disputes, which are the 12 and 13 codes, take a merchant response, then issuer pre-arbitration, then arbitration.
Where this comes from
- Visa, Dispute Management Guidelines for Visa Merchants, June 2024 Read 2026-09-08.
- Chargeflow, Visa reason codes, updated 3 September 2026 Read 2026-09-08.
- Stripe, reason code categories Read 2026-09-08.
Other Visa authorization codes
Do The Proof drafts dispute responses for Shopify stores. Connect store