Visa Chargeback Reason Code

Visa Reason Code 11.2: Declined Authorization

Category AuthorizationBy Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026

What Visa Reason Code 11.2 Means

Visa reason code 11.2 applies when a transaction was completed after the authorization request was declined, or after receiving a pick-up or other non-approval response.

Why This Chargeback Happens

This dispute commonly occurs when a merchant processes a sale after an authorization decline, forces a transaction through, or completes a transaction using an approval code that was not obtained for that transaction.

What the Cardholder or Issuer Is Claiming

The issuer claims the transaction was completed despite a declined or invalid authorization response.

What Merchants Should Review

Review the authorization response for the transaction, whether a valid approval code was obtained, and whether the transaction amount matched the authorized amount.

Recommended Chargeback Evidence

Authorization records showing a valid approval was obtained
Documentation matching the approval code to the transaction
Evidence the settled amount matched the authorized amount

How to Prevent Similar Disputes

These disputes may be reduced by never completing a sale after a decline, avoiding forced transactions, and obtaining a fresh authorization when a transaction is re-attempted.

Important Limitations

This page is educational and reflects common industry usage. Visa authorization and dispute rules change over time. Merchants should confirm current requirements with their acquirer or processor before responding to any dispute.

Related Reason Codes

Sources and Review Information

Last reviewed July 17, 2026

Chargeback rules, evidence requirements, and response options may vary by card network, region, processor, and dispute circumstances.