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Chargebacks Reference Table for Visa on Floorzap Payments
Provides reason codes, and explanations to help you better understand the specific chargeback in question when Visa has been used.
|
Dispute Type |
Reason Code |
Reason |
Description |
Defendable |
Timeframe |
Defense Requirements |
|---|---|---|---|---|---|---|
|
Fraud |
10.1 |
EMV Liability Shift Counterfeit Fraud |
The cardholder claims that they did not authorize or participate in a transaction that you processed. The terminal was not EMV compliant. |
No |
N/A |
N/A |
|
Fraud |
10.2 |
EMV Liability Shift Non-Counterfeit Fraud |
The cardholder claims that they did not authorize or participate in a transaction that you processed. The terminal was not EMV compliant. |
No |
N/A |
N/A |
|
Fraud |
10.3 |
Other Fraud-Card Present Environment |
The cardholder claims that they did not authorize or participate in a key-entered or unattended transaction conducted in a card-present environment. |
No |
N/A |
N/A |
|
Fraud |
10.4 |
Other Fraud-Card Absent Environment |
The cardholder did not authorize or participate in a transaction conducted in a card-absent environment such as internet, mail-order, phone-order, or other options. |
Yes |
9 days from receiving the NoC |
|
|
Fraud |
10.5 |
Visa Fraud Monitoring Program |
Visa notified the cardholder's bank that the Visa Fraud Monitoring Program (VFMP) identified the transaction and the cardholder's bank has not successfully disputed the transaction under another dispute condition. |
No |
N/A |
N/A |
|
Authorization |
11.1 |
Card Recovery Bulletin |
The transaction was below your floor limit and was not authorized. |
No |
N/A |
N/A |
|
Authorization |
11.2 |
Declined Authorization |
An Authorization Request was declined. |
No |
N/A |
N/A |
|
Authorization |
11.3 |
No Authorization/Late Presentment |
The payment could not be authorized, or the transaction was not processed within the required processing time limit. |
No |
N/A |
N/A |
|
Processing |
12.1 |
Late Presentment |
The transaction was not sent to Visa within the required timeframe. |
No |
N/A |
N/A |
|
Processing |
12.2 |
Incorrect Transaction Code |
You sent a transaction that was processed with an incorrect transaction code. For example: If you processed a debit instead of a credit, the chargeback is for double the amount of the original transaction. |
Yes |
9 days from receiving the NoC |
|
|
Processing |
12.3 |
Incorrect Currency |
You sent a transaction that was processed with an incorrect currency code. The cardholder was either not advised or did not agree that Dynamic Currency Conversion (DCC) would occur. |
Yes |
9 days from receiving the NoC |
|
|
Processing |
12.4 |
Incorrect Account Number |
You either processed the transaction to an incorrect account number or did not authorise the transaction, and it was processed to an account number not on the issuer's master file. |
Yes |
9 days from receiving the NoC |
|
|
Processing |
12.5 |
Incorrect Amount |
The cardholder claims that the amount they agreed to pay differs from the amount charged. |
Yes |
9 days from receiving the NoC |
https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#incorrect-amount |
|
Processing |
12.6.1 |
Duplicate Processing |
The cardholder claims that a single transaction was processed more than once, or they paid for the merchandise or service by other means such as cash, check, other card, and other options. |
Yes |
9 days from receiving the NoC |
|
|
Processing |
12.6.2 |
Paid by Other Means |
The cardholder claims that a single transaction was processed more than once, or they paid for the merchandise or service by other means such as cash, check, other card, and other options. |
Yes |
9 days from receiving the NoC |
|
|
Processing |
12.7 |
Invalid Data |
An authorization was obtained using invalid or incorrect data. |
No |
N/A |
N/A |
|
Customer Dispute |
13.1 |
Merchandise/Services Not Received |
The cardholder did not receive the merchandise/services because you were unwilling or unable to provide these. |
Yes |
9 days from receiving the NoC |
|
|
Customer Dispute |
13.2 |
Canceled Recurring |
A recurring transaction was processed after it was canceled or that the cardholder's account was closed. |
Yes |
9 days from receiving the NoC |
|
|
Customer Dispute |
13.3 |
Not as Described or Defective Merchandise/Services |
The cardholder claims that either the goods were not as described or the quality of the merchandise or services is different. |
Yes |
9 days from receiving the NoC |
|
|
Customer Dispute |
13.4 |
Counterfeit Merchandise |
The merchandise was identified as counterfeit by a third party. |
Yes |
9 days from receiving the NoC |
|
|
Customer Dispute |
13.5 |
Misrepresentation |
The cardholder's bank received a notice from the cardholder claiming that the terms of the sale were misrepresented. |
Yes |
9 days from receiving the NoC |
|
|
Customer Dispute |
13.6 |
Credit not Processed |
The cardholder's bank received a notice from the cardholder claiming that they received a credit or voided transaction receipt that has not been processed. |
Yes |
9 days from receiving the NoC |
|
|
Customer Dispute |
13.7 |
Canceled Merchandise/Services |
The cardholder's bank received a notice from the cardholder stating that they returned merchandise or canceled services, but the credit has not appeared on the cardholder's Visa statement. |
Yes |
9 days from receiving the NoC |
|
|
Customer Dispute |
13.8 |
Original Credit Transaction Not Accepted |
The original credit was not accepted. |
No |
N/A |
N/A |
|
Customer Dispute |
13.9 |
Non-Receipt of Cash or Load Transaction Value |
The cardholder claims that they did not receive cash or only received partial cash at an ATM withdrawal machine. |
No |
N/A |
N/A |