Reason Code 13.8: Original Credit Transaction Not Accepted

The OCT (Original Credit Transaction) wasn’t processed and the merchant receives the money back from the cardholder. This is a reverse chargeback; however, it is considered like a chargeback for the purpose of determining fees and the merchant’s chargeback ratio.

It could be the cardholder doesn’t accept original credit transactions, or the issuer doesn’t accept OCTs on some card types because of local laws.

• Be up to date with the usage laws in the areas you operate in.
• Keep accurate records.