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Visa Chargeback Reason Code 72: No Authorization

Causes:

  • Merchant Error: The transaction was completed without obtaining proper authorization from the card issuer. This can happen if the merchant bypasses the authorization process, uses an expired authorization, or if there’s a system error.
  • Technical Issues: Network or system failures can lead to authorization not being obtained.
  • Fraud: Unauthorized transactions due to fraudulent activity, such as using stolen card details.

Prevention and Mitigation:

  1. Proper Authorization:
    • Always obtain proper authorization for every transaction.
    • Ensure that your point-of-sale (POS) systems are functioning correctly and are up-to-date.
    • Reauthorize if the initial authorization is expired or invalid.
  2. System and Network Checks:
    • Regularly maintain and check your transaction systems to ensure they are working correctly.
    • Have backup systems in place to handle authorization during network outages.
  3. Employee Training:
    • Train your staff to follow proper procedures for obtaining authorizations.
    • Educate them on the importance of authorization and the consequences of bypassing it.
  4. Monitor for Fraud:
    • Implement robust fraud detection and prevention measures.
    • Monitor transactions for suspicious activity and report any suspected fraud immediately.
  5. Documentation and Record Keeping:
    • Keep detailed records of all transactions, including authorization codes and receipts.
    • Ensure all documentation is easily accessible in case of disputes.
  6. Communication with Issuers:
    • Establish good communication with card issuers to quickly resolve any authorization issues.
    • Work with your payment processor to address any systemic issues that may cause authorization failures.
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