Visa Provides the following conditions for disputing transactions. The dispute conditions are categorized as shown. Recovery options may be automatically selected and executed by the system, when enabled. In some cases, primarily fraud and authorization disputes, recovery options are set based on a number of validations to determine if chargeback rights exists. Any applicable validation rules are documented in each recovery option. In other cases, such as consumer disputes or processing errors, the system will select a particular recovery option based on certain claim attributes. These defaults for the Visa recovery options are defined in Visa Recovery Option Defaults.
Authorization
Card Recovery Bulletin or Exception File (11.1)
Consumer Disputes
Services Not Provided or Merchandise Not Received (13.1)
Cancelled Recurring Transaction (13.2)
Not as Described or Defective Merchandise/Services (13.3)
Counterfeit Merchandise (13.4)
Misrepresentation of the purchased good and/or service (13.5)
Cancelled Merchandise/Services (13.7)
Original Credit Transaction Not Accepted (13.8)
Non-Receipt of Cash or Load Transaction Value at ATM (13.9)
Fraud
EMV Liability Shift Counterfeit Fraud (10.1)
EMV Liability Shift Non-Counterfeit Fraud (10.2)
Other Fraud – Card Present Environment (10.3)
Other Fraud – Card Absent Environment (10.4)
Visa Fraud Monitoring Program (10.5)
Processing Errors
Incorrect Transaction Code (12.2)
Incorrect Transaction Account Number (12.4)
Incorrect Transaction Amount (12.5)
Duplicate Processing or Paid by Other Means (12.6)