Visa 11.1: Card Recovery Bulletin
Issuer filing window
75 days from transaction date
Merchant response window
30 days
Merchant processed a transaction on a card that appeared in the Card Recovery Bulletin (a regularly issued list of stopped cards). The merchant should have declined the transaction.
Playbook note: Largely preventable through proper authorization processes. Online authorization attempts catch this; floor-limit purchases bypass it.
Compelling evidence for 11.1
- Authorization request log showing online auth was obtained
- Documentation that the card was not on the most recent CRB at the time of transaction
Visa 11.1 questions.
How long do I have to respond to a Visa 11.1 chargeback?
30 days from notification. Missing the response window normally forfeits the dispute, whatever the merits of your case.
How long can the issuer wait before filing 11.1?
The issuer filing window for 11.1 is 75 days from transaction date.
How hard is 11.1 to defend?
Defense difficulty for this code is rated Weak in our catalogue. Largely preventable through proper authorization processes. Online authorization attempts catch this; floor-limit purchases bypass it.