Reason code

Visa reason code 11.1 is used when a merchant processes a transaction using a card that was listed in a Card Recovery Bulletin (CRB) at the time of the transaction. The CRB includes card numbers reported as lost, stolen, or otherwise compromised, and merchants are expected to check it—especially if they are not connected to an online authorization system.

This chargeback typically affects merchants using offline or manual authorization methods, such as paper imprinters or disconnected terminals. If the card was on the CRB and the merchant failed to verify it, the liability shifts to the merchant.

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If the card was not listed in the CRB or proper procedures were followed, provide evidence to support your defense:

• Submit authorization logs or terminal records showing the card was approved through online systems

• Include any communication from your processor verifying the CRB was checked and cleared

Use online authorization systems whenever possible and follow Visa’s CRB procedures:

• Ensure your terminals are online and automatically check the CRB when required
  
  
• If operating offline, verify cards against the most recent bulletin before processing
  
  

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