VisaAuthorization
Visa Reason Code 11.3
No Authorization
What the cardholder claims
"Merchant did not obtain authorization."
Win rate
15-25%
With proper evidence
Response deadline
30 days
From dispute filing
Required evidence (in priority order)
- 1
authorization_code - 2
receipt
Response strategy
Provide authorization code and transaction receipt showing approval.
Stripe category
generalStripe maps this network-level code to this simplified category.
Responding to this chargeback?
Rebutto packages these exact evidence fields into the format Stripe requires. First dispute free on the Shopify App, or $9.99 on the web tool.