--- description: Visa is a global card payment network that enables merchants to accept credit and debit card transactions, manage authorization responses, and handle... title: Visa payments for merchants | Global card network acceptance image: https://cdn.smartretry.com/_next/static/media/og-image.0z0q4_5kazzzo.jpeg --- [Skip to main content](#main-content) # Visa ## Methods * Cards Visa is a global card payment network enabling merchants to accept secure electronic payments worldwide. Struggling with your approval ratio for this payment provider? [contact SmartRetry team →](/contact) Published October 13, 2025 Last updated May 6, 2026 ![Reading time](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fclock.337f-cmnyb532.svg)1 min ![Visa](https://cdn.smartretry.com/cdn-cgi/image/width=640&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fvisa.svg) ![Visa payment phone](https://cdn.smartretry.com/cdn-cgi/image/width=750&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fphone.3jczmn1xd9-9j.webp) Proceed payment with ![Visa](https://cdn.smartretry.com/cdn-cgi/image/width=48&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fvisa.svg)Visa ## Still letting failed transactions slip through? SmartRetry turns declines into approvals - automatically, intelligently, and without changing your payment provider. Email address Let’s talk Table of Contents ## About Visa [![Official Website](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fglobe-website.1l5fn-a17cqln.svg)](https://visa.com/ "Official Website")[![LinkedIn Page](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Flinkedin-about.2wasedelio7i5.svg)](https://www.linkedin.com/company/visa "LinkedIn Page") Product Type Payment Method Foundation 1958 Stock ID NYSE:V Company Type public Employees 20,000+ Location ![USA](https://flagcdn.com/w20/us.webp)USA Channel OnlineIn person For developers [Status page](https://downdetector.com/status/visa/)[Stack Overflow](https://stackoverflow.com/questions/tagged/visa-api) ## Features ### Global Acceptance Network Accepted worldwide across online and in-store merchants. ### Fast Authorization Low-latency authorization with high network reliability. ### Issuer Risk Signals Detailed issuer responses and decline reason codes. ### Fraud Prevention Built-in network-level fraud and risk protection. ### Visa Secure (3DS) Support for strong customer authentication with frictionless flows. ### Cross-Border Ready Optimized for international and multi-currency transactions. ### Tokenization & Wallets Native support for network tokens and digital wallets like Apple Pay. 💡Tip from SmartRetry Merchants can improve Visa approval rates by ensuring accurate transaction data, using authentication only when required, and handling issuer decline signals correctly to avoid unnecessary retries. ## Currencies Processing currenciesUSD, EUR, GBP, JPY, AUD, CAD, CHF, CNY, HKD, SGD, SEK, NZD, MXN, BRL, INR ## Available in Available countries * 🌍Global ### FAQ How does Visa impact approval rates? While issuers make the final authorization decision, Visa’s network standards, data quality requirements, and authentication frameworks can help reduce unnecessary declines. What is the difference between Visa and a payment service provider (PSP)? Visa is a card network that defines rules and routes transactions, while a PSP connects merchants to acquirers and manages integrations, APIs, and payment flows. Is Visa available in all countries? Visa is considered a global network with acceptance in over 200 countries and territories, making a global availability classification appropriate. What does an issuer decline such as 'Do Not Honor' mean? Issuer declines originate from the issuing bank. Merchants should review authentication, transaction data quality, and retry strategies rather than assuming a technical failure. How should merchants handle disputes and chargebacks on Visa transactions? Merchants should follow Visa’s official dispute and evidence rules, maintain clear transaction records, and track dispute lifecycle stages through their acquirer or PSP. ## Statuses * All * ECI Codes * Issuer Response Codes * 3DS Transaction Status Reason * 3DS Transaction Status * CAVV Result Codes __Statuses \- All__ | Code | Description | | -------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------- | | ECI Codes | | | 05 | Cardholder authentication is successful (step-up or frictionless) | | 06 | Authentication was attempted but not completed (e.g. frictionless or passive) | | 07 | Non-authenticated e-commerce transaction | | Issuer Response Codes | | | 10 | Approved, partial | | 11 | Approved, VIP | | 12 | Invalid transaction | | 13 | Invalid amount | | 14 | Invalid card number | | 15 | No such issuer | | 19 | Re-enter transaction | | 21 | No action taken | | 25 | Unable to locate record on file | | 28 | File update file locked out | | 39 | No credit account | | 41 | Lost card | | 43 | Stolen card | | 46 | Closed account | | 51 | Not sufficient funds | | 52 | No checking account | | 53 | No savings account | | 54 | Expired card | | 55 | Incorrect personal identification number | | 57 | Transaction not permitted to cardholder | | 58 | Transaction not permitted to terminal | | 59 | Suspected fraud | | 61 | Exceeds withdrawal amount limit | | 62 | Restricted card | | 63 | Security violation | | 64 | Transaction does not fulfill AML requirement | | 65 | Exceeds withdrawal frequency limit | | 70 | Pin data required | | 74 | Different value than that used for PIN encryption errors | | 75 | Allowable number of PIN tries exceeded | | 76 | Unsolicited reversal | | 78 | Card not activated | | 79 | Reversed (by switch) | | 80 | No financial impact (used in reversal responses to declined originals) | | 81 | Cryptographic error found in PIN (during PIN decryption) | | 82 | CVV failure | | 85 | No reason to decline (AVS/CVV2/credit voucher or return) | | 86 | Cannot verify PIN (e.g., no PVV) | | 89 | Ineligible to receive financial position information (GIV) | | 91 | Issuer or switch inoperative | | 92 | Routing error | | 93 | Violation of law | | 94 | Duplicate transmission | | 96 | System malfunction | | 00 | Approved or completed successfully | | 01 | Refer to card issuer | | 02 | Refer to card issuer's special conditions | | 03 | Invalid merchant | | 04 | Pick-up card | | 05 | Do not honor | | 06 | Error | | 07 | Pick-up card, special conditions | | 1A | Additional customer authentication required | | 6P | Verification data failed | | B1 | Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only) | | B2 | Surcharge amount not supported by debit network issuer. | | N0 | Force STIP | | N3 | Cash service not available | | N4 | Cash request exceeds issuer or approved limit | | N5 | Ineligible for resubmission | | N7 | Decline for CVV2 failure | | N8 | Transaction amount exceeds preauthorized approval amount | | P5 | Denied PIN unblock—PIN change or unblock request declined by issuer | | P6 | Denied PIN change—requested PIN unsafe | | Q1 | Card Authentication failed | | R0 | Stop Payment Order | | R1 | Revocation of authorization order | | R2 | Transaction does not qualify for Visa PIN | | R3 | Revocation of all authorizations order | | Z1 | Offline-declined | | Z3 | Unable to go online; offline-declined | | 5C | Transaction not supported/blocked by issuer | | 9G | Blocked by cardholder/contact cardholder | | 3DS Transaction Status Reason | | | 10 | Stolen card | | 11 | Suspected fraud | | 12 | Transaction not permitted to cardholder | | 13 | Cardholder not enrolled in service | | 14 | Transaction timed out at the ACS | | 15 | Low confidence | | 16 | Medium confidence | | 17 | High confidence | | 18 | Very high confidence | | 19 | Exceeds ACS maximum challenges | | 20 | Non-payment transaction not supported | | 21 | 3RI transaction not supported | | 22 | ACS technical issue | | 23 | Decoupled authentication required by ACS but not requested by 3DS requestor | | 24 | 3DS requestor decoupled max expiry time exceeded | | 25 | Decoupled Authentication was provided insufficient time to authenticate cardholder. ACS will not make attempt | | 26 | Authentication attempted but not performed by the cardholder | | 27 | Preferred authentication method not supported | | 01 | Card authentication failed | | 02 | Unknown device | | 03 | Unsupported device | | 04 | Exceeds authentication frequency limit | | 05 | Expired card | | 06 | Invalid card number | | 07 | Invalid transaction | | 08 | No card record | | 09 | Security failure | | 80 | Error connecting to ACS | | 81 | ACS timed out | | 82 | Invalid response from ACS | | 83 | System error response from ACS | | 84 | Internal error while generating Cardholder Authentication Verification Value (CAVV) | | 85 | Visa Merchant ID (VMID) not eligible for requested program | | 86 | Protocol version not supported by ACS | | 87 | Transaction is excluded from attempts processing — includes non-reloadable prepaid card and Non-Payments (NPA) | | 88 | Requested program not supported by ACS | | 89 | CAVV is included in response | | 90 | Issuer Strong Customer Authentication (SCA) required | | 91 | CanBeUsedForFidoEnrollment | | 92 | CanNotBeUsedForFidoEnrollment | | 3DS Transaction Status | | | Y | Authentication / Account Verification Successful | | N | Not Authenticated / Account Not Verified; Transaction denied | | U | Authentication / Account Verification Could Not Be Performed (technical or other problem) | | A | Attempts Processing Performed; not authenticated/verified, but proof of attempted authentication is provided | | C | Challenge Required; additional authentication required (CReq/CRes flow) | | D | Decoupled authentication confirmed | | R | Authentication / Account Verification Rejected; issuer requests authorization not be attempted | | I | Informational only; 3DS Requestor challenge preference acknowledged | | CAVV Result Codes | | | 0 | CAVV could not be verified or was missing. No liability shift; merchant is not protected. | | 1 | CAVV failed verification – cardholder authentication. Liability remains with issuer. | | 2 | CAVV passed verification – cardholder authentication. Liability shift applies. | | 3 | CAVV passed verification – attempted authentication. Liability shift applies. | | 4 | CAVV failed verification – attempted authentication. Liability shift applies. | | 5 | Reserved – Not used. | | 6 | Issuer not participating in CAVV verification. Liability shift applies. | | 7 | CAVV failed verification – attempted authentication. Liability shift applies. | | 8 | CAVV passed verification – attempted authentication. Liability shift applies. | | 9 | CAVV failed verification – attempted authentication. Liability shift applies. | | CAVV not present or not verified. No liability shift; merchant is not protected. | | | A | CAVV passed verification – attempted authentication. Liability shift applies. | | B | CAVV passed verification – no liability shift. Merchant is NOT protected. | | C | CAVV not verified (Attempted Authentication). Liability shift applies. | | D | CAVV not verified (Cardholder Authentication). Liability shift applies. | ## Payment providers you might find interesting: [View all](/payment-providers) [![UnionPay](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Funionpay.svg) UnionPay UnionPay is a global card payment network used by issuers, acquirers, and merchants to accept UnionPay-branded card payments.](/payment-providers/unionpay)[![Authorize.Net](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fauthorize-net.svg) Authorize.Net Authorize.Net is a payment gateway that helps merchants accept card and bank-account payments through supported merchant accounts and e‑/m‑/](/payment-providers/authorize-net)[![Klarna](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fklarna.svg) Klarna Klarna is a payment provider that lets merchants offer buy now, pay later and flexible payment options at checkout.](/payment-providers/klarna)[![Paysafe Group](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fpaysafe.svg) Paysafe Group Paysafe Group is a payments provider supporting merchants with payment processing and related tools for accepting and managing transactions.](/payment-providers/paysafe-group) ## Articles you may find interesting: [View all](/blog) [![Solving CVV Mismatch Declines: Root Causes and Practical Remediation for Merchants](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fresolving-cvv-mismatch-payment-declines.jpg) September 15, 2026 Solving CVV Mismatch Declines: Root Causes and Practical Remediation for Merchants Discover why CVV mismatch errors trigger costly false declines across gateways. Learn how to refine risk thresholds, implement dynamic validation, and leverage network tokens to recover revenue without sacrificing security.](/blog/cvv-errors-causes-merchant-solutions)[![Evaluating Payment Recovery Software to Prevent Involuntary Churn](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fsubscription-payment-recovery-software-evaluation.jpg) September 15, 2026 Evaluating Payment Recovery Software to Prevent Involuntary Churn Explore how modern payment recovery platforms use intelligent retries, automated account updaters, and targeted dunning to curb involuntary churn and recover recurring subscription revenue.](/blog/failed-payment-recovery-software)[![Optimizing Payment Performance: From Intelligent Routing to Soft Decline Recovery](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fpayment-performance-optimization-strategies-1.jpg) September 15, 2026 Optimizing Payment Performance: From Intelligent Routing to Soft Decline Recovery Maximizing payment approvals requires moving beyond passive processing. Discover how dynamic routing, network tokens, and smart decline recovery protect revenue and reduce involuntary customer churn across enterprise payment stacks.](/blog/payment-optimization)[![Payment Dispute Resolution and Revenue Recovery Strategies for 2026](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fpayment-dispute-resolution-revenue-recovery-strategy.jpg) September 7, 2026 Payment Dispute Resolution and Revenue Recovery Strategies for 2026 Discover how modern payment teams balance fraud prevention with user experience, using network interception tools and intelligent recovery logic to protect baseline revenue and cut false declines.](/blog/payment-dispute-resolution-revenue-recovery) --- ```json 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