Conditions

An issuer may initiate a dispute under dispute condition 11.3: No Authorization for the following reason:

• Authorization was required but was not obtained on the date specified in Approval Response Validity Time-frames which is as follows:

  Transaction Type	Approval Response is Valid for a Transaction Date
  Aggregated Transaction in a Card-Absent Environment	No later than 7 calendar days from the date on which the first Authorization Request received an Approval Response
  In-Transit Transaction	Within 24 hours of the Approval Response (Authorization may occur after the Transaction is completed) An Authorization Request for an In-Transit Transaction may occur while in transit or at the final destination. The Merchant must obtain Authorization within 24 hours of the passenger vehicle reaching its final destination.
  Installment Transaction Prepayment Recurring Transaction Unscheduled Credential-on-File Transaction Card-Absent Environment Transactions classified with MCC 4121 (Taxicabs and Limousines) initiated with an E	That is the day of the Approval Response.
  Mass Transit Transaction	No later than 3 calendar days from the date of the Approval Response
  Transaction (excluding a Mass Transit Transaction) initiated with an Initial Authorization Request at a turnstile, fare gate, or point of boarding at a transit Merchant classified with MCC 4111, 4112, or 4131	No later than 7 calendar days (in the US Region, 3 calendar days) from the date of the Approval Response to the Initial Authorization Request. Any Incremental Authorization Requests do not extend this time frame.
  Transaction initiated with an Estimated Authorization Request at any of the following Merchants: Aircraft rental Bicycle rental Boat rental Equipment rental Motor home rental Motorcycle rental Trailer parks and campgrounds	No later than 7 calendar days from the date of the Approval Response to the Estimated Authorization Request. Any Incremental Authorization Requests do not extend this time frame.
  Transaction initiated with an Estimated Authorization Request at any of the following Merchants: Cruise Line Lodging Merchant Vehicle Rental Merchant	No later than 3 calendar days from the date of the Approval Response to the Estimated Authorization Request. Any Incremental Authorization Requests do not extend this time frame.
  Other Card-Absent Environment Transactions	No later than 7 calendar days from the date of the Approval Response.
  Other Card-Present Environment Transactions	That is the day of the Approval Response.

Time Limit

• 75 calendar days from the Transaction Processing Date
• For an Adjustment of an ATM Cash Disbursement or a PIN-Authenticated Visa
  Debit Transaction, 75 calendar days from the Transaction Date of the
  Adjustment

Dependencies

Evidence of any of the following:

• A credit or Reversal issued by the Merchant was not addressed by the Issuer in the Dispute.
• The Dispute is invalid.
• The Transaction Date in the Clearing Record was incorrect and a valid Authorization was obtained
• The Transaction Receipt or other record with a Transaction Date that disproves late Presentment and proves that the Acquirer obtained the required authorization 
• The Transaction was processed to a “closed,” “credit problem,” or “fraud” account