Visa Chargeback Reason Code 71, “Declined Authorization,” is issued when a merchant processes a transaction after receiving a decline response from the issuer or without obtaining a valid authorization at all. This violation of Visa’s rules gives the cardholder grounds to dispute the charge.
Why Does This Happen?
- Authorization Decline: The card issuer declines the transaction, but it still gets processed.
- System Glitches: Sometimes, tech issues cause transactions to slip through the cracks.
- Manual Overrides: Staff might manually enter transactions after getting a decline – a big no-no.
- Processing Delays: If there’s a delay and the initial authorization expires, it can lead to this mess.
How to Keep This from Happening?
- Respect the Decline: When you get a decline, take it seriously. Don’t try to push it through.
- Real-Time Authorization: Ensure transactions are authorized in real-time to avoid surprises.
- Tech Upgrades: Keep your payment systems updated and in top shape to prevent glitches.
- Staff Training: Make sure your team knows the importance of not forcing declined transactions.
- Transaction Monitoring: Set up a monitoring system to catch any unauthorized processing.
- Customer Communication: If a transaction is declined, reach out to the customer and sort it out before trying again.
