The cardholder’s bank determined that both of these occurred:
- You did not obtain an authorization on the transaction date and the account number was listed in the Card Recovery Bulletin for the Visa region in which you are located.
For more information, please see Dispute Management Guidelines for Visa Merchants.
Acquirer’s approach or timelines may be different and you should adhere with your current Acquirer’s process. Not all disputes apply to every country/region, please check with your acquirer for further information.