Visa 11.3
No Authorization
Category: Authorization Workflow: Allocation
Merchant response window
30 days
Workflow
Allocation
What triggers it
No authorization requested, authorization expired, transaction amount exceeded authorization, or late presentment.
What to check first — evidence for representment
Major April 2024 consolidation absorbed former codes 71, 72, 73, 74 (consolidated "no authorization" variants) and 12.1 (Late Presentment, previously in the Processing Errors category). Legacy documentation referencing those codes as active is out of date.
Special notes
Absorbed 71–74 + Late Presentment (12.1) in the April 2024 consolidation.
Confidence: high.
Sourced from PaymentBrief's Visa reference article. Reason-code definitions and timelines change — verify against your scheme documentation or acquirer portal before acting.
Full reference
Visa Reason Codes: The Complete VCR Map