Fraud
33 Fraud Analysis Request
Details
Visa reason code 33 is not a chargeback—it’s a request from the issuer or Visa for additional information to evaluate a potentially fraudulent transaction. It typically occurs during an internal fraud investigation, giving the merchant a chance to provide evidence before a chargeback is filed.
Merchants should treat this as a warning flag that a transaction may be disputed. Prompt, detailed documentation can help resolve the issue at this early stage and potentially avoid a financial loss.
Timing to raise the dispute (Issuer/Cardholder)
Timing to respond to the dispute (Acquirer/Merchant)
How to respond?
Submit documentation that supports the validity of the transaction and proves cardholder involvement:
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Provide receipts, delivery confirmation, customer communication, or fraud screening results
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Include AVS/CVV match results, IP logs, or order history if available
How to prevent?
Be proactive with fraud controls to reduce the risk of these reviews:
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Use tools like 3D Secure, device fingerprinting, and fraud scoring to screen transactions
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Keep detailed records of each sale so you’re ready to respond if flagged