Description of Reason Code 78
Service Code Violation
Insights from Rules and Regulations
A merchant did not obtain authorization and completed a magnetic stripe-read transaction on either a Visa Electron card, a Visa card in a registered positive Authorization (X2X Service Code) account range, or in the Europe Region, a card with a service code that indicated either: the card was invalid for the transaction type or online authorization was required (All excluding US Domestic).
How to Win Reason Code 78
Respond with evidence that proves either that the service code was valid for the transaction and authorization was obtained, or 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.
Transaction Modifiers applicable to Reason Code 78