Why it happens
- A transaction was processed without asking the issuer for approval.
- The charge was settled long after it was authorized, after the approval had expired.
- The settled amount was higher than the authorized amount.
Visa11.3
No Authorization/Late Presentment
The merchant needed an authorization and did not get one, or got one but sent the transaction for settlement too late. Late presentment cases used to have their own condition, 12.1.
What to send to fight it
- The valid authorization record with its approval code and amount.
- Proof of the settlement date, within the allowed time after authorization.
- Proof the account was in good standing when the transaction was presented.
- Proof a refund or reversal was already processed.
How to prevent it
- Authorize every transaction, whatever its amount.
- Capture authorized payments quickly, and authorize again if an approval may have expired.
Summaries written by NoChurn from the networks’ public rules and processor documentation. Networks update their rules and deadlines depend on your processor: check its documentation before you respond.
Other Visa codes
- 10.1EMV Liability Shift Counterfeit Fraud
- 10.2EMV Liability Shift Non-Counterfeit Fraud
- 10.3Other Fraud – Card-Present Environment
- 10.4Other Fraud – Card-Absent Environment
- 10.5Visa Monitoring Programs
- 11.2Declined Authorization
- 12.2Incorrect Transaction Code
- 12.3Incorrect Currency
- 12.4Incorrect Account Number
- 12.5Incorrect Amount
- 12.6.1Duplicate Processing
- 12.6.2Paid by Other Means
- 12.7Invalid Data
- 13.1Merchandise/Services Not Received
- 13.2Cancelled Recurring Transaction
- 13.3Not as Described or Defective Merchandise/Services
- 13.4Counterfeit Merchandise
- 13.5Misrepresentation
- 13.6Credit Not Processed
- 13.7Cancelled Merchandise/Services
- 13.8Original Credit Transaction Not Accepted
- 13.9Non-Receipt of Cash or Load Transaction Value
Sources (3)
- Visa Core Rules and Visa Product and Service Rules (24 October 2026) · checked 2026-11-09
- Visa Dispute Management Guide for Merchants · checked 2026-11-09
- Visa, Evolution of Compelling Evidence: FAQs (October 2022) · checked 2026-11-09
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