My Merchant Account Blog

Visa Chargeback Reason Code 73 - Expired Card

Thursday, December 01, 2011

The card issuer received a transaction that was completed with an expired card and was not authorized.

Most Common Causes

The merchant accepted a card after its expiration or “Good Thru” date and did not obtain an authorization approval from the card issuer.

Possible Remedies

Card Not Expired—Key-Entered Transaction

For key-entered transactions, the expiration date should be on the manually imprinted copy of the front of the card. If the expiration date on the sales receipt shows the card had not expired at the time of the sale, send a copy of the receipt to your acquirer. The chargeback is invalid regardless of whether authorization was obtained.

Card Expired, Authorization Obtained

If the card was swiped or a manual imprint made, and authorization approval was obtained as required, inform your acquirer of the transaction date and amount. Many acquirers automatically handle this type of chargeback so you never see it.

Card-Absent, Authorization Obtained

If the card was swiped or a manual imprint made, and authorization approval was obtained as required, inform your acquirer of the transaction date and amount. Many acquirers automatically handle this type of chargeback so you never see it.

Card-Absent, Authorization Obtained

If the transaction was a MO/TO or Internet transaction, and authorization approval was obtained/required, inform your acquirer of the transaction amount and date. Many acquirers automatically handle this type of chargeback, so you really never see it.

No Remedy

Card Expired, No Authorization Obtained

If the card has expired and you did not obtain an authorization, accept the chargeback.

Preventative Measures

Check Expiration Date

Check the expiration or “Good Thru” date on all cards. A card is valid through the last day of the month shown, (e.g., if the Good Thru date is 03/12, the card is valid through March 31, 2012 and expires on April 1, 2012.)

Check Card Expiration Date

Periodically remind point-of-sale staff to check the card’s expiration date before completing transactions and to always obtain an authorization approval if the card has expired.

Source: Chargeback Management Guidelines for Visa Merchants

For More Information, please see our archived documents.

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