Visa Chargeback Reason Code 75: Transaction Not Recognized

Visa chargeback reason code 75, known as “Transaction Not Recognized,” is used when a cardholder does not recognize a transaction that appears on their statement. This chargeback can occur for various reasons, including unclear transaction descriptors or potential fraud.

Key Details of Chargeback Reason Code 75: Transaction Not Recognized

• Definition: The cardholder does not recognize the transaction on their statement and therefore disputes the charge.
• Common Causes:
  • Unclear or confusing merchant descriptors on the cardholder’s statement.
  • The cardholder genuinely does not recall making the purchase.
  • Potential fraud or unauthorized use of the card.
  • The cardholder might have forgotten about the transaction or mistaken it for another.

Resolution Time Frame

• For Cardholders: Cardholders generally have 120 calendar days from the transaction processing date to dispute the charge.
• For Merchants: Once a chargeback is received, merchants typically have up to 30 days to respond with evidence to counter the claim, such as proof of purchase or additional transaction details.

Preventing or Mitigating Chargeback Reason Code 75

To prevent or mitigate chargebacks due to unrecognized transactions, merchants can take the following steps:

1. Clear Transaction Descriptors: Use clear and recognizable descriptors for transactions. Ensure the business name that appears on statements is familiar to customers.
2. Provide Detailed Receipts: Include detailed descriptions of goods or services on receipts and invoices.
3. Customer Communication: Communicate with customers about charges, especially for recurring or subscription services.
4. Customer Service: Maintain good customer service to address any concerns or questions customers may have about transactions.
5. Fraud Prevention: Implement robust fraud prevention measures to reduce the risk of unauthorized transactions.
6. Educate Customers: Inform customers about how the charges will appear on their statements, especially if the business name on the descriptor is different from the brand name they recognize.