Orca

Visa Disputes

23 codes that cover most of what an originator sees. Each one carries the decision: retry or stop, how long the receiving institution has to send it, what the guidance rests on, and when it was last checked.

What the tier labels mean, and how far this page has been checked
Draft
An agent wrote it from published material and nobody has checked it. Use it as a lead to confirm, never on its own as the basis for a retry, a return, a deadline or a compliance decision.
Corroborated
A validator found the same answer in one or more named public sources; the class in brackets says how strong they are. "Secondary sources only" means bank, processor or industry guides and nothing from the operator or regulator. Corroborated does not mean checked against the governing rulebook, so confirm before you act.
Verified
A person checked it against Visa's own current text and recorded the edition and date. The strongest tier here, and still reference material, not legal or compliance advice.

On a rail fact, every detail line names the section or instrument it rests on and whether that is a rule, a law, operator guidance, or observed practice.

Known gaps in this build

Not yet covered: Europe Members process under the separate Visa Europe Operating Regulations for Processing where those apply, and that document was not found or read, so Europe-processed disputes may follow rules not shown here; domestic transactions processed outside VisaNet under a Private Agreement may follow other dispute rules; arbitration and compliance (Visa Core Rules sections 11.11 to 11.13) are named in each record only as the last stage; filing fees, documentation and appeal rules are not described; Rapid Dispute Resolution, the Chargeback Reduction Service and the Visa Resolve Online questionnaire content are not described; the Visa Fraud Monitoring Program and the Card Recovery Bulletin are referred to by name; their own rules and thresholds are not described; the older numbered chargeback reason codes that still circulate in processor documentation are not mapped to these conditions.