Visa13.8

Original Credit Transaction Not Accepted

What is this chargeback?

Either the cardholder does not accept the credit, or the issuer does not allow Original Credit Transactions (OCT's) on certain types of cards due to local law. 1. The cardholder did not accept the credit. 2. The issuer cannot accept the transaction due to local laws.

How to Respond

Supply documentation showing the original credit transaction was reversed. 1. The cardholder’s complaint is valid you must accept the dispute 2. You’ve already reversed the transaction credit provide evidence of the credit or reversal, including the amount and the date it was processed. 3. The cardholder no longer disputes the transaction provide a signed letter or statement from the cardholder which states they no longer dispute the transaction.

Prevention Tips

- Maintain accurate records - Familiarize yourself with usage laws for areas you serve

How ChargeMate Helps You Win This Dispute

ChargeMate's AI analyzes your transaction data, reads your evidence documents, and generates a compelling, network-compliant response specifically tailored for Original Credit Transaction Not Accepted disputes. Our system knows the exact evidence requirements and winning strategies for this dispute type.

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Generated following exact Visa guidelines for this reason code

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Related Visa Reason Codes

10.1

EMV Liability Shift Counterfeit Fraud

10.2

EMV Liability Shift Non-Counterfeit Fraud

10.3

Other Fraud — Card-Present Environment

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