Reason codes / VMSS codes / VMSS 26: Merchant Collusion
VMSS code 26: Merchant Collusion
Official definition and what it means for your removal request.
Definition
The Merchant or Third Party Agent colluded to commit fraud.
What this means in plain language
Visa believes the merchant or agent worked with others to commit fraud—not an isolated error but coordinated abuse of the payment system.
What you can do
If you were listed under VMSS code 26, 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.