Required Authorization Not Obtained

What triggers it

Disputes filed when no valid authorization was obtained, when the protection period has expired, or when multiple authorizations were incorrectly requested for a single transaction.

What to check first — evidence for representment

1. Required authorization not obtained — provide the authorization approval record from your PSP or acquirer showing the auth code was obtained before capture.
2. Expired protection period — document the transaction was captured within the authorization validity period; re-authorize proactively if timeline was at risk.
3. Multiple authorization requests — document the single valid authorization used; confirm others were voided or not captured against.