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Visa Reason Code 11.1 Card Recovery Bulletin

Disputeโ€‹

Visa

Card Issuer Name

11.1

Reason Code

Authorization

Category

Claim

The merchant didnโ€™t request authorization for the transaction. So they didnโ€™t know the account number was listed in the Card Recovery Bulletin (CRB) and that they should have terminated the transaction.

Cause

The merchant didnโ€™t check the CRB on the date of the transaction.

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 check the CRB if the transaction is below the floor limit.
  • Request authorization before you process a transaction amount above your floor limit.
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