Card Issuer complaints authorization code was not accomplished.
The Merchant completed a Magnetic-Strip read transaction on a Visa Electron Card or a Visa Card in a registered positive Authorization Code account range and did not obtain Authorization.
Most Common Causes
- In Europe Region (Intraregional Transaction), a Card with a Service Code that indicated either the card was invalid for the transaction type or online authorization was required.
- Authorization was not accessed on a card in a service code limit.
Evidence Required
- Documentation to prove that the Service Code was valid for the Transaction or Authorization was obtained.
- Documentation to show that the account was not in a registered positive Authorization account range. This does not apply to a Visa Electron Card Transaction.
Prevention:
If transaction date and transaction amount is different than the authorization date and authorization amount –
Chargeback Rights and Limitations
1. Minimum Chargeback amount:
a. For T&E Transaction, US $25 or equivalent.
b. For Canada Domestic T&E Transaction, CAD $25
c. For all other Canada Domestic Transactions, CAD $10
Chargeback Time Limit
75 calendar days from the Transaction Date.
Re-presentment Time Limit
45 calendar days from the Chargeback Date.
Common Examples:
Linda lives in Amsterdam and is visiting her grandmother in Rome. She buys a beautiful necklace for her on the way in Austria. After a few days, the merchant from whom Linda bought the necklace receives a chargeback from her bank under the Reason Code 78: Ineligible Transaction/ Service Code Violation. The merchant gets confused and offers to provide the documentation proving that Linda’s card was a valid card and that authorization was approved at the point of sale. Get more information visit website – www.chargebackexpertz.com
