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No Authorization (11.3)

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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 TypeApproval 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 TransactionWithin 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 TransactionNo 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 31 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 TransactionsNo later than 7 calendar days from the date of the Approval Response.
    Other Card-Present Environment TransactionsThat is the day of the Approval Response.


Dependencies

  • The Dispute is limited to the amount above the applicable Floor Limit for a Chip-initiated, Offline-Authorized Transaction.
  • If Authorization was obtained for an amount less than the Transaction amount, the Dispute is limited to either:
    • The amount that was not authorized
    • The difference between the Transaction amount and the amount for which Authorization was required, as specified in Authorization Amount Requirements which are:
      • The final Transaction amount
      • A different amount or amounts if the final Transaction amount is not known, and the Merchant or Transaction type is included in and complies with Special Authorization Request Allowances and Requirements
    • The Dispute applies to a Chip-initiated Transaction that included an Authorization Request Cryptogram (ARQC) in the Clearing Record but was not authorized Online by the Issuer or the Issuer’s agent.


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