Visa Chargeback Reason Code 85

Emily Vuitton4 Comments

Visa Consumer Dispute Chargeback Reason Codes

Visa Chargeback Reason Code 85

Description of Reason Code 85

Credit Not Processed

Insights from Rules and Regulations

The cardholder received a credit or voided transaction receipt that was not processed (Europe and Interregional including Europe). OR The cardholder cancelled or returned merchandise, cancelled services, cancelled a timeshare transaction, or cancelled a Guaranteed Reservation and the merchant did not process a credit or voided transaction receipt. And, either the merchant did not properly disclose or did disclose, but did not apply, a limited return or cancellation policy at the time of the transaction, or in the Europe Region, the merchandise or services relate to an off-premises, distance selling contract (as set out in the EU Directive and amended from time to time) which is always subject to a 14-day cancellation period. (All Regions). OR An original credit transaction was not accepted because either: the recipient refused the original credit transaction, or original credit transactions are prohibited by applicable laws or regulations.

How to Win Reason Code 85

You need to provide either the transaction receipt or other records to prove that the merchant properly disclosed a limited return or cancellation policy at the time of the transaction, or evidence to demonstrate that the cardholder received the merchant's cancellation or return policy and did not cancel according to the disclosed policy.

Transaction Modifiers applicable to Reason Code 85

  • None

Additional Information About Reason Code 85

Reason code is categorized: Consumer Disputes, Visa

Use the Chargeback App to respond to Visa Chargeback Reason Code 85.

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.

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