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
Late Presentment (12.1) merged into 11.3 in April 2024, renaming it 'No Authorization/Late Presentment.' Legacy 2-digit code 72 is the closest pre-2018 predecessor of today's 11.3; legacy code 71 maps to 11.2, not 11.3.
Special notes
Absorbed Late Presentment (12.1) in the April 2024 consolidation. Separate from the 2018 VCR-launch retirement of legacy codes 71-75 (71 maps to 11.2).
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