Visa Credit Card Declined Codes

Contents

1 Visa Credit Card Declined Codes

1.1 How To Fix Error Code 15

1.2 Do Not Honour” Payment Error Code: Reasons And Solutions

1.3 Credit Card Decline Messages: Everything You Need To Know

2 Basic Steps Of The Credit Card Transaction Process

3 Got A Capital One Credit Card? You May Want To Update Your Payment Method!

3.1 Things To Try If Your Visa Gift Card Is Not Working

3.1.1 RECOMMENDED:

Visa Credit Card Declined Codes – In our previous posts, we discussed chargebacks, how they happen and how to prevent them. This time we want to introduce you to the chargeback factors offered by Visa.

To make it easier for you to remember what chargebacks are, here’s a brief description of the process. When a cardholder isn’t happy with their purchase, they can contact their bank and file a chargeback. The bank sends the dispute information to the merchant’s card processor. If you are using Cardinity, we will receive chargeback information on your behalf and forward it to you. The merchant can either accept the chargeback and lose the funds or deny it and provide compelling evidence. What is meant by compelling evidence? This is the document that can prove that the customer has participated in the transaction in question and received their order.

Visa Credit Card Declined Codes

Visa divides disputes into four categories: fraud, authorization, processing errors and consumer disputes. The following are the dispute terms that we advise you to keep in mind:

How To Fix Error Code 15

You may receive this reason code if the cardholder is not authorized or participating in the transaction. This means someone has spoofed the account number without the cardholder’s permission. It may also indicate that the cardholder did not recognize the charge on their bank statement and believes the transaction was fraudulent.

What to do: In general, transactions cannot be fraudulent if the cardholder is authenticated (verified by Visa). Therefore, you have the right to dispute such chargebacks and provide proof that the transaction is valid. To prevent this Visa chargeback situation, always use 3D Secure and verify your customers.

Authorization is the process of the cardholder’s communication with the issuing bank when it sends a reply as to whether the transaction should be approved or declined. The issuing bank checks whether there are sufficient funds on the card and whether it has been lost or stolen. you can get

Chargeback when a transaction has been processed but not authorized. This chargeback reason is actually quite rare, but it’s useful to know.

Do Not Honour” Payment Error Code: Reasons And Solutions

What to do: If the transaction is not approved, you should simply accept the chargeback. If the transaction is approved, notify your payment processor and provide proof. In future, make sure every transaction is properly approved before receiving funds.

A simple explanation for this condition is that you entered the wrong transaction amount or the amount was calculated incorrectly. It can also happen in case of some system error. If you change the amount without the cardholder’s consent, this may also result in a chargeback.

What to do: Provide proof if the transaction amount is correct. If the cardholder is correct and the amount is incorrect, get a chargeback. When you notice an error in an amount, be sure to act quickly and contact your customer before they reach their bank.

What to do: If so, provide proof that the cardholder was charged only once. If the transaction is indeed a duplicate, you should receive a chargeback. Always be careful not to enter the same transaction multiple times in the terminal. Track your transactions and if you see duplicate payments, return the duplicate immediately and notify your customer.

Credit Card Decline Messages: Everything You Need To Know

You may receive this chargeback from Visa if your customer first submitted a card for payment and then decided to use another payment method, but you have already completed the transaction.

What to do: Accept the dispute if the customer actually used another payment method. Otherwise, provide proof that no other payment method has been applied. If it happens that your customer uses two different payment methods for the same purchase and you don’t cancel the card transaction, you should refund them as soon as you know.

Chargeback conditions for this visa are very common. A cardholder claims that they have not received the service or merchandise they ordered Following are some of the reasons why the order did not reach the cardholder.

What to do: If you deliver the order or make the order available for pickup before the expected delivery date, you have the right to dispute the chargeback and provide compelling evidence. You must provide a receipt with a picture of the product shipped, the tracking number and the customer’s signature. If the expected delivery date has not yet passed and the cardholder cancels the order, also provide supporting documentation. If you have not provided services or goods as agreed and the dispute is valid, accept it. Please note that to avoid such chargebacks, be sure to keep in touch with your customer, always inform them of the delay and expected delivery date and allow them to cancel the order. It is recommended that you choose a registered delivery method and provide your customers with a tracking number to reduce the Visa chargeback rate.

Basic Steps Of The Credit Card Transaction Process

If you process recurring payments, there’s always a chance you’ll get a chargeback. The cardholder should be able to cancel the subscription at any time. However, sometimes customers inadvertently cancel recurring billing after the transaction has been processed.

What to do: If the cardholder cancels services, but you still process the payment and don’t refund it, you should get a chargeback. If the cardholder cancels the subscription payment but continues to use the services, you must provide proof that the payment in question covers the services used by the customer. Make sure the service cancellation policy is easily accessible on your website and that your customers are able to unsubscribe from their account. Stay in touch with customers and notify them when their recurring payment account is closed.

What to do: It is very difficult to prove that a particular item matches its description; However, you have the right to dispute the cardholder’s claim and prove that the merchandise is as described.In addition, provide proof if the cardholder has already agreed that you will replace or repair the item. To avoid such chargebacks, make sure your service and product descriptions are accurate and not misleading.

Merchants may receive a chargeback under these Terms if the Cardholder claims that the goods or services were misrepresented. This can happen when the description of the service is vague and imprecise. It applies to the following business activities: timeshare resellers; debt consolidation; credit repair/counseling; mortgage repair/amendment/consultation; mortgage relief services; technical service/support; business opportunities with income potential; investment products; Exam period. Cardinity does not endorse the businesses mentioned.

Got A Capital One Credit Card? You May Want To Update Your Payment Method!

If you haven’t given your customer the refund you agreed upon, your customer can file a chargeback. If the refund still doesn’t show up on their account statement, they can file a chargeback. Additionally, when a cardholder cancels a transaction and you don’t, they can also dispute the payment.

What to do: If you don’t need to refund the customer, or you’ve already issued one, provide proof of the chargeback dispute. Always issue refunds promptly and stay in touch with your customers.

If your customer has returned merchandise to you or canceled service, you may receive a chargeback with a 13.7 code, but the refund is not on their statement. There are several scenarios of how this could happen. For example, you forgot to issue a refund for a returned order or you didn’t issue a refund for a canceled reservation. You cannot issue refunds and accept returns; However, you have not clearly disclosed this in your return policy.

What to do: If your policies are properly disclosed, but the customer does not act according to them, you must provide documentation to support your claim. If you have not received the returned goods or the customer is still using your services, you can also provide evidence to prove it. Check that your policies are readily available and clear to customers Make sure your website requires your customers to accept your return policy. If you never issue a refund, you must clearly state this in your refund policy. The cardholder must have access to all purchase terms and conditions on the checkout screen.

Things To Try If Your Visa Gift Card Is Not Working

If you receive a chargeback from your customer, Cardinity will immediately notify you of all the details. You have the right to dispute a chargeback, so don’t hesitate to contact us and gather the necessary evidence. If the chargeback comes after you’ve already issued a refund, provide documentation showing the refund, amount, and date. If the cardholder no longer disputes the transaction and resolves the issue directly with you, provide proof as well.

Try to minimize your chargeback rate and prevent any potential disputes. Read another article on how to prevent chargebacks. Feel free to ask questions in the comments section below.

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