Visa 11.2 — Declined Authorization

What it means

The merchant processed a transaction after receiving a decline or without obtaining a valid authorization approval.

Common causes

• Forced or repeated submission after an initial decline
• Splitting transactions to bypass authorization limits
• Technical error resubmitting without a new approval

Evidence that helps you win

• Valid authorization approval code for the exact amount
• Processor logs showing approved authorization before capture
• Proof the transaction amount matches the authorized amount
• Documentation that no prior decline applied to this submission