AT – Authorization Noncompliance


Reason Code

AT

Category

Processing Error Dispute

DESCRIPTION

Why did I receive this chargeback?

You were supposed to request authorization but didn’t.


TIME LIMIT

How long can the issuer wait to file a chargeback?

The maximum amount of time that can pass between the transaction processing date and the chargeback processing date is 120 calendar days. 


FIGHT

What compelling evidence is needed to respond?

Examples of compelling evidence that you may submit in response to a chargeback with this reason code include: 

  • Proof you received a positive authorization response and proof the authorization amount matches the transaction amount
  • Proof the transaction occurred prior to the card’s expiration date
  • Proof that a positive response was obtained using an offline authorization procedure for a chip card transaction of $300 or less
  • Proof that the chargeback is invalid because it doesn’t adhere to Discover’s requirements

PREVENT

How can I avoid this chargeback in the future?

  • Always send an authorization request before processing a transaction.
  • If you receive a “decline” authorization response, either terminate the transaction, ask for an alternate form of payment, or submit a second authorization request. Never proceed without authorization.
  • Check the card’s expiration date before processing the transaction. Ask for an alternate form of payment if the card is no longer valid.

Reason Codes by Brand

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