Reason codes / VMSS codes / VMSS 23: Transaction Laundering
VMSS code 23: Transaction Laundering
Official definition and what it means for your removal request.
Definition
The Merchant or Third Party Agent misrepresented the source of submitted transactions (unauthorized aggregation), and/or submitted transactions on behalf of another Merchant (factoring).
What this means in plain language
Transactions were processed in a misleading way—hiding who was really selling, bundling flows that shouldn’t be combined, or running sales for another merchant without proper setup. Visa treats that as transaction laundering or factoring risk.
What you can do
If you were listed under VMSS code 23, you can submit a formal removal request to the PSP or acquirer that added you. They will review your case and, if satisfied, can request removal from the VMSS list. We help you draft and submit that request. See VMSS removal and all MATCH and VMSS reason codes.