Visa 11.3 — No Authorization

What it means

The transaction was completed without obtaining authorization from the card issuer, or authorization was never requested.

Common causes

• Offline or manual processing without authorization
• MOTO or ecommerce charge processed without auth step
• System misconfiguration skipping authorization

Evidence that helps you win

• Authorization approval code and date/time of approval
• Processor receipt showing auth before settlement
• Proof transaction was within authorization validity window
• Fulfillment records tied to the authorized transaction