11.2 Declined Authorization
Description of Reason Code
Declined Authorization
Insights from Rules and Regulations
An Authorization Request received a Decline or Pickup Response and the merchant completed the transaction. OR An Authorization Request for a magnetic stripe-read or chip-initiated transaction using a counterfeit card received a Decline Response, or a Pickup Response and a subsequent authorization was obtained by a means other than Voice Authorization. The merchant completed the transaction.
How to Win Reason Code
Provide evidence that the transaction was chip-initiated and offline-authorized, if applicable.
Transaction Modifiers applicable to Reason Code
None
Additional Information About Reason Code
Reason code is categorized: Authorization, Visa
Use the Chargeback App to respond to 11.2 Declined Authorization.
The Chargeback App determines acceptable evidence based on network rules and can automatically gather the evidence needed to win by integrating to your payment services and sales platform.