4.10 Dispute Condition
The Dispute_Condition field contains a code to indicate additional information to the Reason_ID field.
Describes the Dispute Condition for a Visa chargeback; may be used as additional information to describe chargebacks and/or representments.
The usage varies per type of message, as follows:
|
MTID |
Txn_Type |
Description |
Details |
|---|---|---|---|
|
1240 |
C |
Chargeback Notification |
For Visa cards: Dispute Reason for the chargeback (in addition to Reason_ID field.) See below. For Other cards: not defined. Will be blank. |
|
1240 |
H |
Chargeback Notification (Non-Credit) |
For Visa cards: Dispute Reason for the chargeback (in addition to Reason_ID field.) See below. For Other cards: not defined. Will be blank. |
|
(all other combinations) |
|
(all other transactions) |
Not defined. Will be blank. |
4.10.1 Visa Dispute_Condition for Chargeback (Txn_Type C and H)
In Visa network chargeback message types, the Dispute_Condition field provides additional information on the reason for the chargeback (in addition to details in the Reason_ID field). For more information, refer to the Visa chargeback documentation.
Visa codes are defined in the BASE2 file TC33 “Base2 Dispute Financial Status Advice” TCR1 record position 9-11 “Dispute Condition”. This is specific to Visa chargebacks initiated on the VROL system
Visa Dispute Resolution Online system, provided by Visa for managing transaction disputes.. The meaning varies depending on the value of the Reason_ID field.
Visa do not explicitly define the codes in the BASE2 document; the table below provides the Thredd interpretaion for guidance only.
Table of Thredd Interpretation of the VISA Codes
|
Visa Reason_ID |
Visa Dispute_Condition |
Thredd’s interpretation as to the Visa meaning |
|---|---|---|
|
10 (Fraud) |
1 |
EMV liability shift Counterfeit fraud |
|
10 (Fraud) |
2 |
EMV liability shift non-counterfeit fraud |
|
10 (Fraud) |
3 |
Other Fraud (Card Present Environment) |
|
10 (Fraud) |
4 |
Other Fraud (Card Absent Environment) |
|
10 (Fraud) |
5 |
Visa Fraud Monitoring Program |
|
10 (Fraud) |
(other) |
Refer to Visa |
|
11 (Authorisation) |
1 |
Card Recovery Bulletin |
|
11 (Authorisation) |
2 |
Declined Authorisation |
|
11 (Authorisation) |
3 |
No Authorisation |
|
11 (Authorisation) |
(other) |
Refer to Visa |
|
12 (Processing Error) |
1 |
Late Presentment |
|
12 (Processing Error) |
2 |
Incorrect Transaction Code |
|
12 (Processing Error) |
3 |
Incorrect Currency |
|
12 (Processing Error) |
4 |
Incorrect Account Number |
|
12 (Processing Error) |
5 |
Incorrect Amount |
|
12 (Processing Error) |
6 |
Duplicate Processing / Paid by Other Means |
|
12 (Processing Error) |
6.1 |
Not sure. Probably one of ‘Duplicate Processing’, or ‘Paid by Other Means’ |
|
12 (Processing Error) |
6.2 |
Not sure. Probably one of ‘Duplicate Processing’, or ‘Paid by Other Means’ |
|
12 (Processing Error) |
7 |
Invalid Data |
|
12 (Processing Error) |
(other) |
Refer to Visa |
|
13 (Consumer Dispute) |
1 |
Merchandise/Services not as received |
|
13 (Consumer Dispute) |
2 |
Cancelled Recurring |
|
13 (Consumer Dispute) |
3 |
Not as Described or Defective Merchandise/services |
|
13 (Consumer Dispute) |
4 |
Counterfeit Merchandise |
|
13 (Consumer Dispute) |
5 |
Misrepresentation |
|
13 (Consumer Dispute) |
6 |
Credit not processed |
|
13 (Consumer Dispute) |
7 |
Cancelled Merchandise/services |
|
13 (Consumer Dispute) |
8 |
Original Credit Transaction Not Accepted |
|
13 (Consumer Dispute) |
9 |
Non-receipt of Cash or Load Transaction Value |
|
13 (Consumer Dispute) |
(other) |
Refer to Visa |