Visa Excessive Reattempts Rule & Fees

Visa has implemented rules and penalties to prevent merchants from reattempting declined transactions using incorrect data or accounts that will never be approved (for example a closed account). As of April 2022, Visa assess fees on decline reattempts under its Visa Excessive Reattempts Rule. An excessive reattempt is defined as one of either of the following:

  • Any reattempt transaction that returned a Decline Category Code of 1 (never retry).
  • Each reattempt after the 15th in a 30 day period for a transaction that returned a Decline Category Code of 2 (wait and retry) or 3 (correct and retry).

For each transaction that meets one of these criteria, the merchant is subject to an excessive reattempt fee. The $0.10 charge per re-attempts over 15 will display on your statement with a “VS RAF Excessive Reattempts Domestic*” description. An additional $0.05 per transaction will apply for cross-border transactions and show on statements as “VS RAF Excessive Reattempts Cross-Border.”

What is a bank response code?

A bank response code is another name for a credit card authorization code, a two-digit numeric code which indicates whether the transaction was approved or declined. If the transaction is declined, the response code provides some basic information about why.

Understanding credit card response codes and how to react to them is an important part of chargeback defense. Decline response codes can provide you with an early notice that something is amiss with a card or customer and that continuing the transaction may result in a dispute down the road. Unauthorized charges are always vulnerable to chargebacks.

Category 1 (Never Retry)
Issuer Will Never Re-approve Attempts
Decline Response CodesAction to Take
Category 1 decline response codes indicate the card is blocked for use or never existed and means there is no circumstance in which the Issuer will grant an approval. Any reattempt to authorize will be assessed a fee.Response codes that indicate the account never existed or is permanently blocked including lost or stolen account numbers. Re-attempt not allowed
Decline Response Codes:
04 (Pickup card)
07 (Pickup card, special conditions)
12 (Invalid transaction)
14 (Invalid account number)
15 (No such issuer)
41 (Pickup card, lost card)
43 (Pickup card, stolen card)
46 (Closed account)
57 (Transaction not permitted to cardholder)
R0 (Stop payment order)
R1 (Revocation of authorization order)
R3 (Revocation of all authorizations).
Category 2
Excessive Reattempts
Decline Response CodesAction to Take
The Visa Rules allow no more than 15 reattempts in a 30-day period. When a TabaPay client resubmits an authorization following an initial decline in excess of this limit, a fee will be assessed to the 16th and each subsequent reattempt.Response codes that indicate the Issuer cannot approve due to temporary decline condition such as insufficient funds, Issuer velocity controls or other temporary account restrictions. These temporary decline decisions made by Issuers that may change over time and the Issuer may approve a future authorization attempt. In some cases, cardholder action is required to remove the restriction before an approval can be obtained.Re-attempt permitted up to 15 times in 30 days
Decline Response Codes:
03 (Invalid merchant)
19 (Re-enter transaction)
51 (Insufficient funds)
59 (Suspected fraud)
61 (Exceeds withdrawal amount limits)
62 (Restricted card)
65 (Exceeds withdrawal frequency)
75 (Allowable number of PIN-entry tries exceeded)
86 (Cannot verify PIN)
91 (Issuer or switch is inoperative)
93 (Transaction cannot be completed, violation of law)
96 (System malfunction)
N3 (Cash service not available)
N4 (Cash request exceeds issuer limit).



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