Reason code

Visa reason code 34 is not a chargeback—it’s a formal request for documentation made in response to a legal or regulatory inquiry. This could involve law enforcement investigations, court proceedings, or government agency requests related to a transaction or account.

Merchants receiving a legal process request must treat it with urgency and care. While there’s no immediate financial risk, failing to provide the requested documents could escalate the matter or result in legal consequences depending on jurisdiction.

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Carefully review the request and submit the required documentation promptly:

• Provide transaction receipts, signed agreements, delivery records, or other relevant materials
  
  
• Work with legal counsel or your acquirer to ensure compliance with applicable privacy and disclosure laws

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While these requests can't always be prevented, good records and compliance protocols help ensure you're prepared:

• Maintain organized transaction archives and access control procedures
  
  
• Train staff on how to escalate and handle legal document requests properly
  
  

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