Description of Reason Code A02
No Valid Authorization
Insights from Rules and Regulations
The charge submitted by the merchant did not receive a valid authorization approval; either it was declined or the card was expired.
How to Win Reason Code A02
Provide proof that a valid authorization approval was obtained in accordance with the agreement, or proof that a credit which directly offsets the disputed charge has already been processed. For an expired or not yet valid card, you can also provide proof that the charge was incurred prior to the expiration date or within the valid dates on the card.
Transaction Modifiers applicable to Reason Code A02