Reference pagesReason codes
Consumer dispute
Visa 13.8: Original Credit Transaction Not Accepted
A Visa dispute reason code, what it asks you to prove, and what Do The Proof puts in the response.
What this code means
OCT refused by issuer/cardholder
What the network says wins it
Documentation supporting reversal
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.
- Stripe, reason code categories Read 2026-09-08.
Other Visa consumer dispute codes
Do The Proof drafts dispute responses for Shopify stores. Connect store