Reason Code F24: No Cardmember Authorization

The cardholder agrees they’ve transacted with the merchant before but claims they didn’t authorize the particular transaction.

• The cardholder doesn't recognize the bill description.
• The cardholder’s family member made a purchase without their permission with their card.
• The merchant charged the wrong account number.

• Always get approval for the transaction.
• Use clear, easy-to-recognize billing descriptors.
• Employ secondary validation methods like PINs and signatures.