13.8 – Original Credit Transaction Not Accepted

By September 18, 2018Reason Code, Visa

Dispute Condition Code



Consumer Disputes


Why did I get this dispute?

The cardholder did not accept the credit or local laws prohibit the issuer from allowing original credit transactions (OCTs).

How long can the issuer wait to file this dispute?

The maximum amount of time that can pass between the original credit transaction processing date and the dispute processing date is 120 calendar days.

What do I need to fight this dispute?

  • If the credit transaction was reversed, provide documentation that proves the reversal.
  • If the cardholder no longer wishes to dispute the transaction, provide documentation that proves the issue has been resolved.

More VISA Reason Codes

Leave a Reply