Visa Chargeback Guid

Visa chargebacks are the reversal of charges made to your Visa credit card. Did you know that in some cases you have a legal right to a credit card chargeback? It’s true; legislation requiring credit card companies to return money from unauthorized transactions and fraud has been on the books for over 50 years. 

However, credit card companies can make their own rules about when to reverse charges. The following is a guide to Visa chargeback rules that will help you succeed with your claim. 

Like Mastercard, Visa is a multinational corporation headquartered and based in the United States. For that reason, its rules and policies need to comply with American regulations and laws.  Visa chargeback rules will often be tweaked to comply with rules in many other countries or jurisdictions.

The legal basis for chargebacks is the Fair Credit Billing Act of 1974 and the Electronic Fund Transfer Act of 1978. The former law applies to credit cards and the latter pertains to debit cards. However, Visa chargeback rules apply equally to credit and debit cards. 

Visa Chargeback Rules for Consumers

Visa chargeback rules distinguish cases into two categories: fraud and consumer dispute.


According to Visa chargeback rules, fraud only applies to cases of unauthorized transactions. Examples include a stolen card or identity theft. 

What if someone cheated you out of your money and persuaded you to you to make a transaction under false pretenses? Isn’t this fraud, too? 

Not according to Visa chargeback rules. Visa’s definition of fraud is confined to unauthorized charges. It’s important to know this before filling out a Visa chargeback form. You may only get one chance with a Visa chargeback claim, so it’s important to see the distinction between Visa’s definition of fraud and the common understanding of fraud. 

Instead, people who feel their authorized transactions when to fraudsters should file their claim under consumer disputes. 

Consumer Disputes

According to Visa chargeback rules, the following fall under the category of consumer disputes:

  • Not receiving the goods or services you paid for
  • Receiving products that are damaged, substandard, counterfeit or otherwise different from what you paid for
  • Continuing to be charged for a subscription service after canceling it

Visa Chargeback Reason Codes

Whether your chargeback is based on fraud or a consumer dispute, you need to file your claim under the appropriate reason code. The Visa chargeback reason codes take the form of two digits followed by a dot followed by a single digit. Visa has four different common codes for fraud and nine for consumer disputes. The code you use depends on the details of your case. 

It’s important that you only have one chance to raise a chargeback claim, and if you do it under the wrong category or code, your case may be immediately rejected. That is why it’s a good idea to seek the advice of MyChargeBack before filing a claim. 

Visa Chargeback Time Limit

Another important consideration is the Visa chargeback time limit. This can range anywhere from 90 days to as much as 540 days under certain circumstances. The Visa chargeback time limit rules are complex, and it’s important to comply for a successful claim.

In general, the Visa chargeback time limit for fraud cases (see definition above) is 90 days from the transaction date. Consumer disputes in most cases have a 120-day chargeback time limit, but if your case is between 120 and 540 days, it may still be valid, but the rules are compex.

If you need assistance with a Visa chargeback, contact MyChargeBack for a consultation. Our experts can clarify questions about Visa chargeback rules and can bolster your claim.