Reason Code 13.8Original Credit Transaction Not Accepted

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Card Issuer


Reason Code



Customer Dispute


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.


Cardholders and issuers have 120 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

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