Visa reason code
Visa reason code 11.3: No Authorization
The transaction was completed without a valid authorization approval.
Network: VisaCategory: AuthorizationResponse window: ~30 days
What Visa 11.3 means
Visa 11.3 is a no-authorization dispute: the transaction was completed without a valid authorization approval.
When issuers use it
Issuers raise 11.3 when a charge was settled without approval, after a decline, or outside the authorization's validity.
Mistakes that lose this dispute
- Charging more than the authorized amount
- Settling a declined or expired authorization
FAQ
Frequently asked questions
What is an authorization-related chargeback?
The issuer says the transaction wasn't properly authorized, for example it was declined, exceeded the approved amount, or settled too late. Show a valid authorization that matches the charge.
How do I avoid these?
Always obtain and settle on a valid approval, never force-post a declined authorization, and settle within the network's timeframe.