Reason Code 11.2 - Declined Authorization

Dispute Code







Why did I receive this dispute?

You received a Decline or Pickup authorization response, but chose to complete the transaction anyway.


How long can the issuer wait to file a dispute?

The maximum amount of time that can pass between the transaction processing date and the dispute processing date is 75 calendar days.


What compelling evidence is needed to respond?

  • If you sent a second authorization request after the first attempt was denied, provide documentation that proves the second authorization attempt was approved.
  • If you are a car rental, cruise line, or lodging merchant and the transaction had multiple authorizations, provide documentation that proves three things: the check-in date, embarkation date, or vehicle rental date; the check-out date, disembarkation date, or vehicle return date; and the dates, authorization amounts, and approved authorization codes.
  • If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the cardholder’s account.
  • If the cardholder no longer wishes to dispute the transaction, provide documentation that proves the issue has been resolved.


How can I avoid this dispute in the future?

  • If you receive a Decline or Pickup authorization response, either terminate the transaction or submit a second authorization request. Never proceed without authorization.
  • If you process transactions with multiple authorizations, make sure you fully understand Visa’s rules and regulations.

Reason Codes by Brand

Ready to Start Preventing
& Fighting


Set up your
demo experience.

analytics-imac@2x analytics-imac

Sign up for
news & updates.

©2023, Equifax Inc., All rights reserved. Equifax and the Equifax marks used herin are trademarks of Equifax Inc. Midigator is a trademark of Equifax Inc. Other product and company names mentioned herin are the property of their respective owners.