Visa Chargeback Reason Codes: A Complete Reference

A practical reference for the Visa chargeback reason codes most often filed against ecommerce merchants, with notes on how they map to representment evidence.

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What this guide covers

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Visa reason code families

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Fraud (1x)

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Authorization (11.x)

[Body content to be written. Authorization-related codes often hinge on documentation that the merchant followed Visa rules for declined / expired / mismatched authorization responses. Win rates: 35–55% with clean operations data.]

Processing errors (12.x)

[Body content to be written. Duplicate transactions, late presentment, and credit-not-processed codes. Among the highest-recoverability codes when the merchant has clean refund and processing logs.]

Consumer disputes (13.x)

[Body content to be written. Product not received, product unacceptable, subscription canceled, services not provided. Recovery is bounded by the strength of evidence: shipping, delivery confirmation, customer-acceptance records.]

What evidence actually moves the needle

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Pitfalls

[Body content to be written. Common own-goals: filing rebuttals on transactions you didn't actually deliver; submitting evidence that contradicts your own refund policy; fabricating delivery confirmations.]