Visa 11.2: Declined Authorization
AuthorizationDefense: WeakMATCH relevance: Low
Issuer filing window
75 days from transaction date
Merchant response window
30 days
Transaction was processed despite an authorization decline from the issuer. Forced or offline transactions in particular trigger this code.
Playbook note: If the transaction was indeed declined, there is no defense. Process discipline (no force-posts) is the only mitigation.
Compelling evidence for 11.2
- Authorization log demonstrating an approval was received
- Documented exception process (e.g., voice authorization)
Visa 11.2 questions.
How long do I have to respond to a Visa 11.2 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 11.2?
The issuer filing window for 11.2 is 75 days from transaction date.
How hard is 11.2 to defend?
Defense difficulty for this code is rated Weak in our catalogue. If the transaction was indeed declined, there is no defense. Process discipline (no force-posts) is the only mitigation.
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