> ## Documentation Index > Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt > Use this file to discover all available pages before exploring further. # Dispute Reason Codes (Visa) > Learn about the dispute reason codes that are applicable to the Visa card network. **Note**\ The payloads listed below are only applicable to Marqeta customers who submit disputes to Marqeta via an API. Customers using the Marqeta Dashboard do not interact with these payloads. When disputing a transaction, you must send the card network the reason for the dispute, along with information regarding the disputed transaction, as provided by the cardholder via a dispute questionnaire. The card network needs these details to conduct an investigation into the legitimacy of the cardholder’s dispute. When reporting the dispute to the card network, the reason for the dispute must be assigned a dispute reason code. A dispute reason code is an alphanumeric or numerical code assigned by the card network that indicates the primary reason why a cardholder is disputing a transaction and requesting a chargeback. As part of the transaction dispute flow, you submit payloads like the ones below to Marqeta so that Marqeta can transfer these details to the card networks. These payloads contain all fields required by the card network for the given dispute type and were obtained by you via the dispute questionnaire. For general information on disputes, chargebacks, and best practices, see [About Disputes](/developer-guides/about-disputes/).

EMV liability shift counterfeit fraud

Visa dispute reason code `10.1` ("EMV liability shift counterfeit fraud") indicates that the merchant made a swiped or keyed transaction with a counterfeit card rather than scanning the EMV chip. When a merchant processes a transaction with a counterfeit card at a payment terminal that does not support EMV chip card processing, they will be unable to detect the counterfeit card and will be responsible for the chargeback, per the rules of Visa’s EMV liability shift. The example below applies to Visa dispute reason code `10.1`.

Dispute reason code 10.1 sample payload

```json JSON lines wrap theme={null} { "dispute_details": { "dispute_reason": "EMV_LIABILITY_SHIFT_COUNTERFEIT_FRAUD", "dispute_amount": 20.10, "original_transaction_token": "7c7d0ce1-369c-483b-9722-06e2e632025c", "fraud_dispute_type_details": { "general_fraud_type_dispute_details": { "chip_on_card": false } } }, "type": "DISPUTE" } ```

EMV liability shift non-counterfeit fraud

Visa dispute reason code `10.2` ("EMV liability shift non-counterfeit fraud") indicates that an unauthorized charge was made on a legitimate EMV chip card because the merchant did not fully comply with EMV chip and PIN requirements. For example, this code could be used if a merchant makes a swiped or keyed transaction with a stolen card rather than scanning the EMV chip. When a merchant processes a transaction at a payment terminal that does not support EMV chip card processing, they will be responsible for any chargebacks requested for unauthorized transactions per the rules of Visa’s EMV liability shift. The example below applies to Visa dispute reason code `10.2`.

Dispute reason code 10.2 sample payload

```json JSON lines wrap theme={null} { "dispute_details": { "dispute_reason": "EMV_LIABILITY_SHIFT_NON_COUNTERFEIT_FRAUD", "dispute_amount": 20.10, "original_transaction_token": "7c7d0ce1-369c-483b-9722-06e2e632025c", "fraud_dispute_type_details": { "general_fraud_type_dispute_details": { "chip_on_card": false } } }, "type": "DISPUTE" } ```

Not authorized, card present

Visa dispute reason code `10.3` ("Not authorized card present") indicates that the cardholder did not authorize or participate in a transaction where the card was physically present. This reason code can apply to various situations, including: * An unauthorized transaction where the card details were entered manually * An unauthorized transaction at an unattended terminal The example below applies to Visa dispute reason code `10.3`.

Dispute reason code 10.3 sample payload

```json JSON lines wrap theme={null} { "dispute_details": { "dispute_reason": "NOT_AUTHORIZED_CARD_PRESENT", "dispute_amount": 20.10, "original_transaction_token": "7c7d0ce1-369c-483b-9722-06e2e632025c", "fraud_dispute_type_details": { "general_fraud_type_dispute_details": { "chip_on_card": false } } }, "type": "DISPUTE" } ```

Not authorized, card absent

Visa dispute reason code `10.4` ("Not authorized card absent") indicates that the cardholder did not authorize or participate in a transaction where the card was not physically present. This reason code is most commonly applied to situations where an unauthorized transaction is made using stolen payment credentials online or over the phone. The example below applies to Visa dispute reason code `10.4`.

Dispute reason code 10.4 sample payload

```json JSON lines wrap theme={null} { "dispute_details": { "dispute_reason": "NOT_AUTHORIZED_CARD_ABSENT", "dispute_amount": 20.10, "original_transaction_token": "7c7d0ce1-369c-483b-9722-06e2e632025c", "fraud_dispute_type_details": { "general_fraud_type_dispute_details": { "chip_on_card": false } } }, "type": "DISPUTE" } ```

Incorrect transaction code

Visa dispute reason code `12.2` ("Incorrect transaction code") indicates that the merchant processed a transaction using the wrong transaction code. This reason code can apply to various situations, including: * The merchant processed a credit transaction as a debit transaction * The merchant processed a transaction reversal as a credit transaction The example below applies to Visa dispute reason code `12.2`.

Dispute reason code 12.2 sample payload

```json JSON expandable lines wrap theme={null} { "token": "test123ICC", "memo": "optional", "network_comment": "optional", "zendesk_ticket_id": "optional", "dispute_details": { "dispute_reason": "INCORRECT_TRANSACTION_CODE", "dispute_amount": 22.00, "original_transaction_token": "7c7d0ce1-369c-483b-9722-06e2e632025c", "original_transaction_id": "", "currency_code": "", "cardholder_contact_date": "2025-03-25T17:20:06Z", "regulation_type": "", "processing_dispute_type_dispute_details": { "incorrect_transaction_code_details": { "how_is_transaction_code_incorrect": "CREDIT_INSTEAD_OF_REVERSAL_OR_ADJUSTMENT", "explain_why_the_credit_refund_was_processed_in_error": "The credit refund was processed in error due to a system glitch.", "credit_confirmation_number": "CONF123456", "date_of_return": "2024-10-01", "return_method": "F2F" } } }, "type": "DISPUTE" } ```

Incorrect currency

Visa dispute reason code `12.3` ("Incorrect currency") indicates that the merchant processed the transaction using a different currency than the one the cardholder agreed to. This reason code is most commonly applied to the following situations: * The merchant incorrectly entered the wrong currency when processing the transaction * The merchant used Dynamic Currency Conversion without obtaining the cardholder’s consent The example below applies to Visa dispute reason code `12.3`.

Dispute reason code 12.3 sample payload

```json JSON expandable lines wrap theme={null} { "token": "test123CNP1", "memo": "optional", "network_comment": "optional", "zendesk_ticket_id": "optional", "dispute_details": { "dispute_reason": "INCORRECT_CURRENCY", "dispute_amount": 22.00, "original_transaction_token": "7c7d0ce1-369c-483b-9722-06e2e632025c", "original_transaction_id": "", "currency_code": "", "cardholder_contact_date": "2025-03-25T17:20:06Z", "regulation_type": "", "processing_dispute_type_dispute_details": { "incorrect_currency_details": { "incorrect_currency_reason": "CURRENCY_DIFFERENCE", "what_was_the_correct_currency": "787", "certification_that_the_cardholder_did_not_agree_to_dynamic_currency_conversion_and_did_not_make_an_active_choice": true } } }, "type": "DISPUTE" } ```

Incorrect account number

Visa dispute reason code `12.4` ("Incorrect account number") indicates that the merchant processed a transaction using an incorrect account number. This reason code can apply to various situations, including: * The merchant entered the wrong account number in a manually keyed transaction * The cardholder’s account was closed by the time the transaction was processed The example below applies to Visa dispute reason code `12.4`.

Dispute reason code 12.4 sample payload

```json JSON expandable lines wrap theme={null} { "token": "test123IAN", "memo": "optional", "network_comment": "optional", "zendesk_ticket_id": "optional", "dispute_details": { "dispute_reason": "INCORRECT_ACCOUNT_NUMBER", "dispute_amount": 22.10, "original_transaction_token": "7c7d0ce1-369c-483b-9722-06e2e632025c", "original_transaction_id": "", "currency_code": "", "cardholder_contact_date": "2025-03-25T17:20:06Z", "regulation_type": "", "processing_dispute_type_dispute_details": { "incorrect_account_number_details": { "is_the_account_number_on_the_issuers_master_file": true, "does_the_account_number_on_the_receipt_match_the_cardholders_account_number_or_token": true } } }, "type": "DISPUTE" } ```

Incorrect transaction amount

Visa dispute reason code `12.5` ("Incorrect transaction amount") indicates that the cardholder believes they were charged incorrectly. This reason code can apply to various situations, including: * The merchant entered the wrong amount in a manually keyed transaction * The transaction amount was changed during processing without the cardholder’s consent The example below applies to Visa dispute reason code `12.5`.

Dispute reason code 12.5 sample payload

```json JSON expandable lines wrap theme={null} { "token": "test123ITA", "memo": "optional", "network_comment": "optional", "zendesk_ticket_id": "optional", "dispute_details": { "dispute_reason": "INCORRECT_TRANSACTION_AMOUNT", "dispute_amount": 22.10, "original_transaction_token": "7c7d0ce1-369c-483b-9722-06e2e632025c", "original_transaction_id": "", "currency_code": "", "cardholder_contact_date": "2025-03-25T17:20:06Z", "regulation_type": "", "processing_dispute_type_dispute_details": { "incorrect_transaction_amount_details": { "what_is_the_amount_on_the_cardholders_receipt": 23.10, "what_is_the_currency_on_the_cardholders_receipt": "USD", "is_the_dispute_due_to_the_difference_between_quoted_price_and_actual_charges_made_by_the_merchant": true, "cash_over_indicator": "M" } } }, "type": "DISPUTE" } ```

Duplicate processing or paid by other means

Visa dispute reason code `12.6` ("Duplicate processing or paid by other means") indicates that the cardholder was charged multiple times for the same transaction. This reason code can apply to various situations, including: * The cardholder was charged multiple times for the same transaction on the same card * The cardholder changed payment methods partway through a transaction, but was charged on both payment methods The example below applies to Visa dispute reason code `12.6`.

Dispute reason code 12.6 sample payload

```json JSON expandable lines wrap theme={null} { "token": "test123DPOPBOM", "memo": "optional", "network_comment": "optional", "zendesk_ticket_id": "optional", "dispute_details": { "dispute_reason": "DUPLICATE_PROCESSING_OR_PAID_BY_OTHER_MEANS", "dispute_amount": 22.10, "original_transaction_token": "7c7d0ce1-369c-483b-9722-06e2e632025c", "original_transaction_id": "", "currency_code": "", "cardholder_contact_date": "2025-03-25T17:20:06Z", "regulation_type": "", "processing_dispute_type_dispute_details": { "duplicate_processing_or_paid_by_other_means_details": { "error_type": "DUPLICATE", "both_transactions_in_same_account": true, "other_transaction_reference_token": "TOKEN123", "other_visa_transaction_reference_id": "VISA123456", "other_visa_transaction_mcsn": "MCSN123456", "transaction_in_different_visa_account": false, "is_other_transaction_with_same_merchant": true, "provided_proof_of_other_means_type": "PROOF_TYPE", "is_evidence_of_merchant_passed_funds_provided": true, "cardholder_attempted_to_resolve": true, "is_attempt_to_resolve_prohibited_by_local_law": false, "other_visa_transaction_arn": "ARN123456", "other_visa_transaction_information": "Additional information about the other transaction" } } }, "type": "DISPUTE" } ```

Invalid data

Visa dispute reason code `12.7` ("Invalid data") indicates that the transaction was processed using incorrect or invalid data. This reason code can apply to various situations, including: * The transaction was processed using the wrong Merchant Category Code * The transaction was processed using the wrong country or state/province code * The transaction was processed using the wrong transaction type indicator (such as `authorization.clearing`) The example below applies to Visa dispute reason code `12.7`.

Dispute reason code 12.7 sample payload

```json JSON expandable lines wrap theme={null} { "token": "test123ID", "memo": "optional", "network_comment": "optional", "zendesk_ticket_id": "optional", "dispute_details": { "dispute_reason": "INVALID_DATA", "dispute_amount": 22.00, "original_transaction_token": "7c7d0ce1-369c-483b-9722-06e2e632025c", "original_transaction_id": "", "currency_code": "", "cardholder_contact_date": "2025-03-25T17:20:06Z", "regulation_type": "", "processing_dispute_type_dispute_details": { "invalid_data_details": { "authorization_request_declined_valid_data": "", "explain_why_valid_data_inclusion_reason": "" } } }, "type": "DISPUTE" } ```

Merchandise/services not received

Visa dispute reason code `13.1` ("Merchandise/services not received") indicates that the cardholder is disputing the transaction because they did not receive the goods or services they purchased. This reason code can apply to various situations, including: * Products that were never shipped, lost in transit, or delivered to the wrong address. * Services that were not provided, canceled without fulfillment, or not delivered as promised. The example below applies to Visa dispute reason code `13.1`.

Dispute reason code 13.1 sample payload

```json JSON expandable lines wrap theme={null} { "token": "test123", "memo": "optional", "network_comment": "optional", "zendesk_ticket_id": "optional", "dispute_details": { "dispute_reason": "SERVICE_NOT_PROVIDED_MERCHANDISE_NOT_RECEIVED", "dispute_amount": 22.00, "original_transaction_token": "7c7d0ce1-369c-483b-9722-06e2e632025c", "original_transaction_id": "", "currency_code": "", "cardholder_contact_date": "2025-03-25T17:20:06Z", "regulation_type": "", "consumer_dispute_type_dispute_details": { "service_not_provided_merchandise_not_received_details": { "detailed_description_of_what_was_purchased_and_explanation_of_the_dispute": "The service was not provided as described.", "is_merchant_in_bankruptcy_liquidation": false, "merchandise_delivered_late": false, "non_fiat_currency_not_delivered": false, "expected_receipt_date": "2024-10-01", "expected_receipt_time": "12:00:00", "did_cardholder_cancel_prior_to_the_expected_date": false, "cancellation_date": null, "cancellation_reason": null, "did_cardholder_attempt_to_resolve_dispute_with_merchant": true, "is_attempt_to_resolve_prohibited_by_local_law_or_regulations": false, "provide_details_of_local_law_or_regulations": null, "merchandise_or_services": "SERVICES", "was_merchandise_delivered_to_wrong_location": false, "address_of_agreed_location": null, "did_cardholder_return_merchandise": false, "date_cardholder_returned_merchandise": null, "date_merchant_received_returned_merchandise": null, "did_cardholder_attempt_to_return_merchandise": false, "date_of_attempted_return": null, "explain_how_merchandise_was_returned": null, "third_party_gift_card_indicator": false, "visa_commercial_card_virtual_account_indicator": false, "did_virtual_account_holder_suffer_financial_loss": false, "did_merchant_cancel_services": false, "date_merchant_cancelled_services": null, "explanation_dispute_prior_expected_delivery_date": null, "did_merchant_cancel_merchandise": false, "date_merchant_cancelled_merchandise": null, "agreed_delivery_date_or_service_date": "2024-10-01", "date_of_return": null, "cash_over_indicator": null } } }, "type": "DISPUTE" } ```

Canceled recurring transaction

Visa dispute reason code `13.2` ("Canceled recurring transaction") indicates that the cardholder was charged for a recurring transaction for which they had previously submitted a cancellation request. This reason code can apply to various situations, including: * The merchant did not process the cancellation before the next charge went through * The cardholder misunderstood the cancellation process and did not submit a valid cancellation request The example below applies to Visa dispute reason code `13.2`.

Dispute reason code 13.2 sample payload

```json JSON expandable lines wrap theme={null} { "token": "test123CRT", "memo": "optional", "network_comment": "optional", "zendesk_ticket_id": "optional", "dispute_details": { "dispute_reason": "CANCELLED_RECURRING_TRANSACTION", "dispute_amount": 22.00, "original_transaction_token": "7c7d0ce1-369c-483b-9722-06e2e632025c", "original_transaction_id": "", "currency_code": "", "cardholder_contact_date": "2025-03-25T17:20:06Z", "regulation_type": "", "consumer_dispute_type_dispute_details": { "cancelled_recurring_transaction_details": { "cancellation_date": "2023-10-01", "cancellation_reason": "Customer requested cancellation", "date_issuer_informed_merchant_of_account_closure": "2023-10-02", "contact_method_with_merchant_ind": true, "contact_method_merchant_email_ind": false, "contact_method_merchant_call_center_ind": true, "contact_method_merchant_mail_ind": false, "contact_method_merchant_SMS_ind": false, "contact_method_merchant_in_person_ind": false, "contact_method_merchant_webform_ind": true, "contact_merchant_details_phone_number": "123-456-7890", "contact_merchant_details_email_address": "merchant@example.com", "contact_merchant_details_physical_address": "123 Merchant St, City, Country", "contact_merchant_details_application_name": "MerchantApp", "other_form_of_payment_ind": false, "other_form_of_payment_desc": null, "is_dispute_impacted_by_local_law_or_regulation": true, "cancelled_recurring_payment_date": "2023-10-01", "recurring_payment_plan_expiry_date": "2024-10-01" } } }, "type": "DISPUTE" } ```

Not as described or defective merchandise

Visa dispute reason code `13.3` ("Not as described or defective merchandise") indicates that the cardholder received goods or services that did not match the description provided by the merchant. This reason code can apply to various situations, including: * The cardholder received damaged or defective goods * The cardholder received a service that was different than what was advertised The example below applies to Visa dispute reason code `13.3`.

Dispute reason code 13.3 sample payload

```json JSON expandable lines wrap theme={null} { "token": "test123NADODM", "memo": "optional", "network_comment": "optional", "zendesk_ticket_id": "optional", "dispute_details": { "dispute_reason": "NOT_AS_DESCRIBED_OR_DEFECTIVE_MERCHANDISE", "dispute_amount": 22.00, "original_transaction_token": "7c7d0ce1-369c-483b-9722-06e2e632025c", "original_transaction_id": "", "currency_code": "", "cardholder_contact_date": "2025-03-25T17:20:06Z", "regulation_type": "", "consumer_dispute_type_dispute_details": { "not_as_described_or_defective_merchandise_details": { "not_as_described_or_defective": "NOT_AS_DESCRIBED", "merchandise_or_services": "SERVICES", "date_the_cardholder_first_notified_the_issuer_of_the_dispute": "2024-10-01", "did_the_cardholder_attempt_to_resolve_the_dispute_with_the_merchant": true, "is_attempt_to_resolve_prohibited_by_local_law_or_regulations": false, "provide_details_of_local_law_or_regulations": null, "did_the_cardholder_return_the_merchandise": false, "date_cardholder_returned_the_merchandise": null, "date_merchant_received_the_returned_merchandise": null, "return_method": "FACE_TO_FACE", "tracking_number": "1234567890", "date_of_attempted_return": "2024-10-02", "provide_a_detailed_description_of_how_the_cardholder_attempted_to_return_and_the_disposition_of_the_merchandise": "Attempted to return via mail.", "did_the_cardholder_attempt_to_return_the_merchandise": true, "explain_how_the_merchandise_was_returned": "Returned via mail.", "cardholder_merchant_previous_negotiation_evidence": true, "explain_prev_negotiation": "Negotiated with merchant via email.", "when_negotiations_begin": "2024-09-25", "merchant_refuse_advise": "MERCHANT_REFUSED_TO_ACCEPT_RETURNED_MERCHANDISE", "what_is_the_disposition_of_the_merchandise": "Returned to merchant.", "non_fiat_currency_not_matching": false, "motive_code": "QUALITY_OF_GOODS_OR_SERVICES", "merchandise_counterfeit_confirmation_date": "2024-09-30", "promised_delivery_date": "2024-09-20", "cash_over_indicator": "M" } } }, "type": "DISPUTE" } ```

Counterfeit merchandise

Visa dispute reason code `13.4` ("Counterfeit merchandise") indicates that the cardholder received goods that they believe to be counterfeit. This reason code is applicable to any situation in which the cardholder received counterfeit goods, even if the merchant was unaware that the goods they were selling were not legitimate. The example below applies to Visa dispute reason code `13.4`.

Dispute reason code 13.4 sample payload

```json JSON lines wrap theme={null} { "token": "test123CM", "memo": "optional", "network_comment": "optional", "zendesk_ticket_id": "optional", "dispute_details": { "dispute_reason": "COUNTERFEIT_MERCH", "dispute_amount": 109.45, "original_transaction_token": "6734c290-237d-4e05-b08f-6258336b68c8", "consumer_dispute_type_dispute_details": { "counterfeit_merch_details": { "what_was_ordered": "test", "describe_the_counterfeit_merchandise": "test", "describe_the_disposition_of_counterfeit_merchandise": "test", "date_the_cardholder_received_the_merchandise_or_notification": "2024-12-03" } } }, "type": "DISPUTE" } ```

Misrepresentation

Visa dispute reason code `13.5` ("Misrepresentation") indicates that the merchant misrepresented their advertised goods or services. Though this reason code is similar to `13.3` ("Not as described or defective merchandise"), reason code `13.5` ("Misrepresentation") puts more emphasis on the merchant intentionally misleading customers in their description of the goods or services. The example below applies to Visa dispute reason code `13.5`.

Dispute reason code 13.5 sample payload

```json JSON expandable lines wrap theme={null} { "token": "test123MR", "memo": "optional", "network_comment": "optional", "zendesk_ticket_id": "optional", "dispute_details": { "dispute_reason": "MISREPRESENTATION", "dispute_amount": 109.45, "original_transaction_token": "6734c290-237d-4e05-b08f-6258336b68c8", "consumer_dispute_type_dispute_details": { "misrepresentation_details": { "merchandise_or_services": "SERVICES", "merchandise_received_date": "2024-10-01", "describe_what_was_purchased": "Online course subscription", "how_merchandise_service_misrepresented": "The course content was not as advertised.", "cardholder_attempt_to_resolve": true, "attempt_to_resolve_proh_local_law": false, "cardholder_return_merchandise_ind": false, "cardholder_attempt_return_merchandise": true, "attempted_return_date": "2024-10-02", "how_ch_attempt_return_and_disp_of_merchandise": "Attempted to return via email communication.", "merchant_refuse_ind": "MERCHANT_REFUSED_RETURN_AUTHORIZATION", "cardholder_returned_merchandise_date": null, "merchant_received_returned_merchandise_date": null, "return_method": "FACE_TO_FACE", "shipping_tracking_number": "TRACK123456", "how_merchandise_returned": "Sent via courier service.", "service_received_date": "2024-09-30", "did_cardholder_cancel": true, "cancellation_date": "2024-10-03", "cancellation_reason": "Service did not meet expectations" } } }, "type": "DISPUTE" } ```

Credit not processed

Visa dispute reason code `13.6` ("Credit not processed") indicates that the cardholder did not receive a refund to their account as promised. This reason code can apply to various situations, including: * The merchant neglected to process the refund * The merchant did not process the refund in time for it to show up on the cardholder’s most recent statement The example below applies to Visa dispute reason code `13.6`.

Dispute reason code 13.6 sample payload

```json JSON expandable lines wrap theme={null} { "token": "test123CNP", "memo": "optional", "network_comment": "optional", "zendesk_ticket_id": "optional", "dispute_details": { "dispute_reason": "CREDIT_NOT_PROCESSED", "dispute_amount": 22.00, "original_transaction_token": "7c7d0ce1-369c-483b-9722-06e2e632025c", "original_transaction_id": "", "currency_code": "", "cardholder_contact_date": "2025-03-25T17:20:06Z", "regulation_type": "", "consumer_dispute_type_dispute_details": { "credit_not_processed_details": { "was_a_credit_voucher_voided_transaction_receipt_or_refund_acknowledgement_given": true, "is_the_credit_voucher_transaction_receipt_or_refund_acknowledgement_dated": true, "credit_voucher_transaction_receipt_or_refund_acknowledgement_date": "2024-10-01", "date_cardholder_returned_cancelled_merchandise": "2024-10-02", "date_of_cancellation": "2024-09-30", "date_of_return": "2024-10-03", "cash_over_indicator": "M" } } }, "type": "DISPUTE" } ```

Canceled merchandise or services

Visa dispute reason code `13.7` ("Canceled merchandise or services") indicates that the cardholder claims to have returned merchandise or canceled a service, but has not yet received a refund to their account. This reason code can apply to various situations, including: * The cardholder returned an item, but has yet to receive a refund for it * The cardholder canceled a service, but has yet to receive a refund for it The example below applies to Visa dispute reason code `13.7`.

Dispute reason code 13.7 sample payload

```json JSON expandable lines wrap theme={null} { "token": "test123CMOS", "memo": "optional", "network_comment": "optional", "zendesk_ticket_id": "optional", "dispute_details": { "dispute_reason": "CANCELLED_MERCHANDISE_OR_SERVICES", "dispute_amount": 22.00, "original_transaction_token": "7c7d0ce1-369c-483b-9722-06e2e632025c", "original_transaction_id": "", "currency_code": "", "cardholder_contact_date": "2025-03-25T17:20:06Z", "regulation_type": "", "consumer_dispute_type_dispute_details": { "cancelled_merchandise_or_services_details": { "merchandise_or_services": "SERVICES", "describe_what_was_purchased": "Subscription service", "date_cardholder_received_or_expected_to_receive_merchandise": "2024-10-01", "did_the_cardholder_attempt_to_resolve_the_dispute_with_the_merchant": true, "is_attempt_to_resolve_prohibited_by_local_law_or_regulations": false, "provide_details_of_local_law_or_regulations": null, "did_the_cardholder_return_the_merchandise": false, "date_of_return": null, "date_merchant_received_returned_merchandise": null, "return_method": "FACE_TO_FACE", "tracking_number": "1234567890", "explain_how_the_merchandise_was_returned": "Attempted to return via mail.", "did_the_cardholder_attempt_to_return_the_merchandise": true, "date_of_attempted_return": "2024-10-02", "detailed_description_of_how_the_cardholder_attempted_to_return_and_the_disposition_of_the_merchandise": "Attempted to return via mail.", "what_is_the_disposition_of_the_merchandise": "Not returned", "did_cardholder_cancel": true, "cancellation_date": "2024-09-30", "cancellation_reason": "Service not as described", "was_cancellation_policy_provided": true, "type_of_service": "OTHER", "date_of_service_or_expected_service": "2024-10-01", "cancelled_guaranteed_reservation_certification_selection": "CARDHOLDER_PROPERLY_CANCELLED", "merchant_refuse_advise": "MERCHANT_REFUSED_RETURN_AUTHORIZATION" } } }, "type": "DISPUTE" } ```

Original credit transaction not accepted

Visa dispute reason code `13.8` ("Original credit not accepted") indicates that the cardholder did not or could not accept an original credit transaction (OCT) intended as a refund, payout, or disbursement. This reason code can apply to various situations, including: * The cardholder did not authorize the OCT * The cardholder lives in a locality that does not permit OCTs The example below applies to Visa dispute reason code `13.8`.

Dispute reason code 13.8 sample payload

```json JSON lines wrap theme={null} { "token": "test123OCNA", "memo": "optional", "network_comment": "optional", "zendesk_ticket_id": "optional", "dispute_details": { "dispute_reason": "ORIGINAL_CREDIT_NOT_ACCEPTED", "dispute_amount": 109.45, "original_transaction_token": "6734c290-237d-4e05-b08f-6258336b68c8", "consumer_dispute_type_dispute_details": { "original_credit_not_accepted_details": { "explain_reason": "test reason" } } }, "type": "DISPUTE" } ``` ## Related topics - [Disputes (Visa)](/docs/core-api/disputes-visa.md) - [Creating a Dispute](/docs/developer-guides/disputes-create.md) - [Create, Submit, and Manage a Dispute](/docs/developer-guides/disputes-sandbox/disputes-sandbox-submit-manage.md) - [Managing Visa Disputes](/docs/developer-guides/managing-visa-disputes.md) - [Disputes in the Marqeta Dashboard](/docs/developer-guides/disputes-dashboard.md)