Visa reason code 11.1
Visa 11.1: Card Recovery Bulletin
What the cardholder is claiming
The issuer says you accepted a card that was listed on Visa's Card Recovery Bulletin, a pickup list for blocked cards, on a below-floor-limit transaction where you never requested authorization.
The evidence that actually wins
Bank analysts skim responses in minutes against a checklist for this exact code. Lead with the strongest fact; never make them dig.
- ✓The authorization approval code for the transaction, which makes this dispute invalid on its face
- ✓Processor records showing an auth request was sent and approved, with date and amount matching the settlement
- ✓Evidence the card was not listed on the Card Recovery Bulletin for your region on the transaction date
- ✓Proof the transaction was above the applicable floor limit and went through the normal online authorization flow
The honest read
You will almost never see this code in 2025-2026 because virtually every electronic transaction is authorized online, and a single approval code kills the dispute immediately. It only has teeth in offline or below-floor-limit environments like some transit, vending, or offline batch setups. If you genuinely completed a sale with no authorization on a blocked card, there is no defense narrative, accept it and close whatever offline gap allowed it.
Nobody can promise you a win; the cardholder's bank decides. What you control is submitting the strongest complete case your records support, on time. Our plain-language guarantees say exactly what that means.
Fighting a 11.1 right now?
Send us the dispute and a person builds the complete, submission-ready response: the narrative mapped to 11.1, your evidence compiled and ordered, and the field-by-field walkthrough. 24-hour rush available. If our review says yours isn't worth fighting, we tell you for free.