--- title: Visa Chargeback Rules Changing April 2018 description: Effective April 2018, Visa chargeback rules will shift and introduce the new Visa Claims Resolution program. image: https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/visa-chargeback-rules.svg --- [tel:1-800-601-0230](tel:1-800-601-0230) 800-601-0230 - Features - Solutions - Developers - [Pricing](https://www.payjunction.com/payments/pricing.html) - Resources [See a Demo](https://www2.payjunction.com/tour-payjunction) Features - EXPLORE PRODUCTS [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) - ACCEPT PAYMENTS [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH Electronic Checks](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - EXPLORE CAPABILITIES [Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integration Marketplace](https://integrations.payjunction.com/) [Remote Signature](https://www.payjunction.com/payments/signature-capture.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) Solutions - [Veterinary Streamline payment workflows and get paid faster with up-front deposits and payment schedules for high-cost procedures. 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Despite the improvements in payment technology, chargebacks aren’t going anywhere. In an effort to streamline the [chargeback dispute process](https://blog.payjunction.com/fight-win-chargeback/), Visa is rolling out a new initiative — the [Visa Claims Resolution](https://usa.visa.com/dam/VCOM/download/merchants/visa-claims-resolution-efficient-dispute-processing-for-merchants-VBS-14.APR.16.pdf) (VCR) — to reduce time, costs and (hopefully) the number of chargebacks received. The VCR was originally scheduled to roll out in October 2017, but was pushed back to April 2018. If you’re a business owner processing Visa cards, here’s what you should know: 1. The time frame for businesses to respond to a chargeback dispute is decreasing from 45 days to 30 days. 2. New automated workflows will reduce the time and resources allocated to dispute resolution. 3. Chargeback reason codes will be simplified to four dispute categories. ## Payment Processing Demo Schedule 15 minutes with a payments expert Get a customized PayJunction product walk-through Understand requirements and pricing Determine your SAVINGS! GET DEMO NOW ## Visa Claims Resolution: The Details **Time Limit Changes** Businesses will have 30 days to respond to a Visa chargeback, as opposed to the previous 45-day time frame. This is intended to reduce the back-and-forth between the [many parties](https://blog.payjunction.com/credit-card-processing-middlemen/) involved in a chargeback dispute. With VCR, Visa estimates disputes should be resolved within 31 days or fewer. **Dispute Workflows** Once VCR goes into effect, Visa will be following one of two new workflows for all disputes filed: fraud and [authorization](https://blog.payjunction.com/credit-card-authorization), or consumer and processing errors. For fraud and authorization disputes, Visa will provide an automated decision based on Visa rules. Despite this automation, businesses will still have the ability to respond when certain conditions apply. For consumer and processing errors, card issuers will be required to fill out an enhanced dispute questionnaire to ensure all required information is captured before the dispute can be initiated. These automated workflows will also stop invalid chargebacks before they reach the business. How? Visa will identify and block claims that do not meet dispute criteria by using Visa Resolve Online. For instance, if the time period to file a dispute has ended, Visa will not escalate it. **Reason Code Reorganization** Visa’s current [chargeback reason codes](https://usa.visa.com/dam/VCOM/download/merchants/chargeback-management-guidelines-for-visa-merchants.pdf) will be consolidated and organized into four categories to reduce complexity. The new code names and categories are as follows: | 10. Fraud | 11. Authorization | 12. Processing Errors | 13. Consumer Disputes | | --- | --- | --- | --- | | 10.1 EMV Liability Shift Counterfeit Fraud | 11.1 Card Recovery Bulletin | 12.1 Late Presentment | 13.1 Merchandise/Services Not Received | | 10.2 EMV Liability Shift Non-Counterfeit Fraud | 11.2 Declined Authorization | 12.2 Incorrect Transaction Code | 13.2 Cancelled Recurring | | 10.3 Other Fraud – Card Present Environment | 11.3 No Authorization | 12.3 Incorrect Currency | 13.3 Not as Described or Defective Merchandise/Services | | 10.4 Other Fraud – Card Absent Environment |   | 12.4 Incorrect Account Number | 13.4 Counterfeit Merchandise | | 10.5 Visa Fraud Monitoring Program |   | 12.5 Incorrect Amount | 13.5 Misrepresentation | |   |   | 12.6 Duplicate Processing/Paid by Other Means | 13.6 Credit Not Processed | |   |   | 12.7 Invalid Data | 13.7 Cancelled Merchandise/ Services | |   |   |   | 13.8 Original Credit Transaction Not Accepted | |   |   |   | 13.9 Non-Receipt of Cash or Load Transaction Value | **10. Fraud** - 10.1 EMV Liability Shift Counterfeit Fraud -   -   - 10.2 EMV Liability Shift Non-Counterfeit Fraud - 10.3 Other Fraud – Card Present Environment - 10.4 Other Fraud – Card Absent Environment - 10.5 Visa Fraud Monitoring Program **11. Authorization** - 11.1 Card Recovery Bulletin - 11.2 Declined Authorization - 11.3 No Authorization **12. Processing Errors** - 12.1 Late Presentment - 12.2 Incorrect Transaction Code - 12.3 Incorrect Currency - 12.4 Incorrect Account Number - 12.5 Incorrect Amount - 12.6 Duplicate Processing/Paid by Other Means - 12.7 Invalid Data **13. Consumer Disputes** - 13.1 Merchandise/Services Not Received - 13.2 Cancelled Recurring - 13.3 Not as Described or Defective Merchandise/Services - 13.4 Counterfeit Merchandise - 13.5 Misrepresentation - 13.6 Credit Not Processed - 13.7 Cancelled Merchandise/Services - 13.8 Original Credit Transaction Not Accepted - 13.9 Non-Receipt of Cash or Load Transaction Value ## Unfamiliar with disputes? [![LEARN HOW TO WIN A CHARGEBACK](https://no-cache.hubspot.com/cta/default/635739/26ada378-b968-4942-9ed3-e0c4e99d148a.png)](https://cta-redirect.hubspot.com/cta/redirect/635739/26ada378-b968-4942-9ed3-e0c4e99d148a) Do you think dispute resolution within 31 days is too optimistic? Tell us your thoughts below! 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She oversees daily marketing tasks and liaises between the sales and marketing departments. ###### Related Posts ## [![Visa Increasing Fixed Acquirer Network Fee (FANF) Rates](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/visa-fixed-acquirer-network-fee.svg) Visa Increasing Fixed Acquirer Network Fee (FANF) Rates Visa imposed a monthly fee in July 2012 called the fixed acquirer network fee (FANF) to incentivize businesses to route transactions to Visa. This implementation was a direct result of the Durbin Amendment, and was intended to level the competitive landscape for Visa.](https://blog.payjunction.com/visa-fixed-acquirer-network-fee) ## [![How to Accept Credit Card Payments on Phone and Reduce Chargebacks](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/reduce-chargebacks-remote-signature.svg) How to Accept Credit Card Payments on Phone and Reduce Chargebacks Welcome to PJ University, where we teach you how to use PayJunction like a pro. Today’s lesson is how to capture remote signatures and reduce chargebacks.](https://blog.payjunction.com/reduce-chargebacks-remote-signature) ## [![How to Comply with Visa’s New Fraud-Fighting Rules](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/visa-category-1-decline-codes.svg) How to Comply with Visa’s New Fraud-Fighting Rules Visa recently introduced new rules for e-commerce fraud prevention. 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