Which chargebacks should you accept rather than fight?

Codes our reference marks "usually accept"

• Visa 10.5 Visa Fraud Monitoring Program
• Visa 11.1 Card Recovery Bulletin
• Visa 11.2 Declined Authorization
• Visa 12.7 Invalid Data
• Visa 13.8 Original Credit Transaction Not Accepted
• Visa 13.9 Non-Receipt of Cash at an ATM
• Mastercard 4808 Authorization-Related Chargeback
• Mastercard 4849 Questionable Merchant Activity

Each page says why, and what to check before you concede.

Before you accept

• Already refunded? Then don't just accept: send the refund's date and amount, which resolves most conditions.
• Fraud codes: check whether the payment was authenticated with 3-D Secure, and whether earlier undisputed orders qualify for Compelling Evidence 3.0 on Visa 10.4.
• Accepting means the amount stays with the cardholder. Don't refund on top of it.

At pre-arbitration

If the issuer comes back with new information, accepting is usually the rational choice unless you have new, specific evidence that answers it. See pre-arbitration.

Reason codes this answer covers

• Visa 11.3: No Authorization/Late Presentment: sometimes winnable
• Visa 12.6.1: Duplicate Processing: sometimes winnable
• Mastercard 4808: Authorization-Related Chargeback: usually accept