See VISA Rule 1.11.1.2
Attempt to Settle
Before initiating a Chargeback, the Issuer must attempt to honor the Transaction. If the attempt fails and the Issuer has already billed the Transaction to the Cardholder, the Issuer must credit the Cardholder for the Chargeback amount. An Issuer must credit its Cardholder's account for the amount in dispute, whether or not a Chargeback was initiated, if the dispute involves an Electronic Commerce Transaction that meets the conditions of
any of the following Chargeback reason codes:
30 (Services not Provided or Merchandise Not Received)
41 (Cancelled Recurring Transaction)
53 (Not as Described)
83 (Fraud – Card-Absent Environment)
85 (Credit Not Processed)
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