Reason code · Visa
Visa reason code 11.3: no authorization or late presentment
Visa 11.3 means the charge needed an authorization and didn’t get one, or got one but was processed too long afterward. The cardholder’s bank has 75 days to file.
Key takeaways
- Two problems, one code. No authorization at all, or an authorization that went stale before you processed the sale.
- 75 days. The bank’s window is shorter than for most Visa codes.
- Batch on time. Holding a sale for days before settling it invites an 11.3.
What Visa 11.3 means
Visa’s rule covers two situations. Either a valid authorization was required but not obtained, or one was obtained but the transaction wasn’t processed within Visa’s time frames. The second case is called late presentment.
Like 11.2, the bank must certify that the account was flagged as credit problem, closed or fraud on the dispute date. The money problem is real: the bank is saying it never agreed to this charge, or not this late.
What the customer told their bank
Often nothing about you at all. The account went bad, and the bank found a charge without a current approval behind it. Sometimes the cardholder does complain about a charge that showed up long after the visit.
The time limit
The cardholder’s bank has 75 calendar days from the date the transaction was processed.
Your own deadline is shorter. Fraud and authorization codes have no separate “dispute response” step in Visa’s rules. Your bank (the acquirer) answers with a pre-arbitration attempt, and it has 30 calendar days from the dispute to do it. Your processor keeps part of that time, so the due date on your notice is the one that counts.
What kind of proof matters
Your authorization and settlement records: the approval, its date and amount, and when the sale was processed. If the clearing record showed the wrong date but you had a valid approval, Visa lets your bank say so with the receipt.
One common mistake
Holding an approval and settling days later, or adding charges to a tab without updating the authorization. Hotels, rentals and businesses that take a card at check-in and charge at the end are most exposed. Settle promptly, and authorize again when the amount grows.
Dispute Daddy builds the response from your notice and your own records, ready for you to review, approve and submit. A flat $99 a month. See pricing.
