Visa Reason Code 11.3

What is

The transaction was submitted for settlement without ever obtaining a valid authorization at all.

A charge was captured/settled without a corresponding authorization request being made or approved.

Like 11.2, this usually points to a processing or integration bug rather than merchant conduct.

Gateway logs showing an authorization was obtained before capture.

Submit proof an authorization was obtained, or escalate to your payment processor if none exists on your end.

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Allowing manual or delayed-capture flows that can settle a charge without a live authorization check.

Audit your checkout flow to ensure every capture is tied to a confirmed prior authorization.