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Visa Reason Code 11.3 No Authorization

Disputeโ€‹

Visa

Card Issuer Name

11.3

Reason Code

Authorization

Category

Claim

The receiving merchant processed a transaction without obtaining authorization, or they sought authorization after processing the transaction.

Cause

  • The merchant didnโ€™t obtain authorization to process the transaction.
  • The merchant obtained authorization for one transaction amount and then processed a higher amount.

Response

Cardholders and issuers have 75 days to file a dispute related to the claim against the merchant.
Merchants have 20 days to respond to the claim in dispute.

Steps to Prevention

  • Always authorize Visa transactions according to their rules.
  • Get authorization within an acceptable time limit.
  • Train the staff on the correct procedures for handling terminal problems.
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