Visa reason code 11.2 is used when a merchant processes a transaction after receiving a decline response from the card issuer. Even if the customer insists on retrying or switching terminals, processing a charge after a decline—without obtaining a new valid approval—violates Visa’s rules and can result in a chargeback.
These disputes usually occur when a merchant misunderstands a decline code, retries without a fresh approval, or bypasses the system through offline/manual entry. Once a transaction is declined, it must not be reprocessed without proper reauthorization.
If a valid authorization was obtained after the decline, submit documentation showing that a new approval was received:
Always obtain a fresh authorization approval before retrying a declined transaction: