Visa VMSS reason codes

The Merchant or Third Party Agent submitted excessive fraudulent transactions (US$250,000 fraud amount and 1.8 percent (180 basis points) fraud-to-sales amount ratio in any single month) into payment system, and did not adequately remediate.

The Merchant or Third Party Agent generated excessive disputes (1,000 dispute count, and 1.8 percent (180 basis points) dispute-to-sales amount ratio in any single month) into payment system and did not adequately remediate.

The Merchant or Third Party Agent misrepresented the source of submitted transactions (unauthorized aggregation), and/or submitted transactions on behalf of another Merchant (factoring).

The Merchant or Third Party Agent submitted unlawful and/or prohibited transactions into the payment system.

The Merchant or Third Party Agent was terminated at the Acquirer's discretion after identification in a Visa risk compliance program and did not adequately remediate.

The Merchant or Third Party Agent colluded to commit fraud.

The Merchant or Third Party Agent was identified as a location where account data from legitimate transactions was compromised for use in subsequent fraudulent activity (including skimming) and did not adequately remediate.

The principal owners of a Merchant outlet or Third Party Agent was/were convicted of a fraud crime.

The Merchant or Third Party Agent can't fulfill its financial obligations due to potential or actual bankruptcy, insolvency, or suspension of business operations.

The Merchant or Third Party Agent breached their agreement.

The Merchant or Third Party Agent violated the Visa Rules exposing the Acquirer of the payment system to undue risk.

The Merchant or Third Party Agent was non-compliant with the Payment Card Industry Data Security Standard (PCI DSS) and/or the Payment Application Data Security Standard (PA-DSS) requirements.

The Merchant or Third Party Agent suffered a data breach, directly or indirectly resulting in an unauthorized disclosure of payment account and/or transaction information.

The Merchant application was submitted using principal owner and/or corporate officer information belonging to individuals that were never party to the Merchant agreement.

Visa disqualified the Merchant or Third Party Agent from participating in the Visa payment system.