ToolerCat / Chargeback Reason Codes / Visa 11.3 — No Authorization / Late Presentment

Visa 11.3 — No Authorization / Late Presentment

Q: What is Visa chargeback reason code 11.3?

No Authorization / Late Presentment. No valid authorization was obtained, or the transaction was submitted for settlement too late. Since April 2024 also covers former code 12.1.

Authorization chargeback.

Code

11.3 Visa

Category

Authorization

What it means

No valid authorization was obtained, or the transaction was submitted for settlement too late. Since April 2024 also covers former code 12.1.

Evidence that wins

Proof of a valid approval and timely settlement.

How to prevent it

Capture within the allowed window; re-authorize expired authorizations.

Rules and deadlines differ by region and acquirer — always check the instructions in your PSP dashboard.

All chargeback codes → Decline codes