Reason Code 02. Discover Chargeback Reason Codes Explained. EMV Liability Shift Counterfeit Fraud. chargeback: The buyer filed a chargeback with the credit card issuer. 71 (1) 11. Based on the information provided, Paymentology will investigate the transaction being disputed. 13. The first thing you should do when you receive a chargeback notification is to check the reason code that the card issuer assigns to the dispute. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. A CSC is a three or four digit number printed (not embossed) on a credit card. After an authorization request is declined, the merchant forces the transaction through, typically by key-entering it, without making another authorization request. Visa chargeback reason code 72 falls under the “Authorization” category. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Understand EasyPayDirect's chargeback reason codes with our comprehensive guide. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. It can range from 60 to 120 days from the billing date. Additionally, one clearing transaction. 1. F01. Spot these types of chargebacks using. Download our 100+ page comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. American Express chargeback reason code C42. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. 2: Incorrect Transaction Code. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. The following scenarios can also result in code 12. Card issuers and card networks deem certain chargeback codes to be nearly indisputable by merchants, and as a result, a merchant can be charged a fee of up to $500 by card networks for submitting a dispute of such chargebacks. Code. 15, 2021. October 25, 2023. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. . WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Field name: reasonCode. M01 Chargeback Authorization. 4 Other Fraud Card Absent. Either the acquiring or issuing bank could initiate the. the requested documentation, your account will be debited. This scenario applies when the arbitration was raised by either the. compliance process depending on whether a chargeback right exists. Let’s say you got a Visa chargeback with reason code 13. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. 6 Message Reason Code 71—Transaction Amount Differs. Check the chargeback reason code. Chargeback reason codes are codes used to categorize the reason for the dispute. First, after a cardholder contacts the bank to inquire about a transaction, the bank uses VROL to pull detailed transaction information. Make sure the evidence you include and the claims you make are relevant to the chargeback reason code, the product purchased, the cardholder’s claims, the type of transaction processed, etc. Further information at page PSR-564, 11. Download our 100+ page comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. By understanding the reason behind the chargeback, you can gather the necessary evidence to support your case effectively. Mastercard Chargeback Reason Codes. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. The difference is that, while a Code 83 designates a chargeback where an authorization request was not submitted, a Code 71 results from processing a transaction for which authorization was. For example, a debit may have been processed instead of a credit, or a credit processed instead. For the sake of simplicity and standardization, card networks like Visa have created a breakdown of the acceptable causes for a customer to dispute a credit card charge by filing a chargeback. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. A dispute often has a reason code associated with it. A chargeback happens when a customer requests for a transaction to be reversed. The network hasn't wholly disallowed some old codes. It gets worse. Discover is a credit card network and an issuing bank—just like American Express. What is Visa Reason Code 13. Reason Code. . It is used as a form of proof that the person attempting to use the card has the physical card in their possession. Of course, some of these inquiries will still inevitably progress to the chargeback phase. There is a USD 25 limit for the First Chargeback (Reason Code 22). For. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. . Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRR Issuer ACS unavailable - Visa generated CAVV. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. 4 Incorrect Account Number. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. ” This reason indicates a merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, but submitted the. A chargeback can happen when a customer initiates a transaction dispute. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. High-Risk (Excessive): Reaching a chargeback ratio of. After the issuing bank’s unsuccessful attempt to identify the transaction for the cardholder, the chargeback process begins. Chargebacks—Maestro POS Transactions—added information to the section, Proper Use of Intra-European Message Reason Code 4808, about theStep #2 | Report the Scam to PayPal. Mastercard Chargeback Reason Code 70: Chip Liability Shift. The following chargeback reason codes are related to EMV: Visa: 10. Chargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. Chargebacks. Effective for Transactions completed on or after 15 April 2016, A Transaction for which Authorization was obtained after a Decline Response was received for the same purchase. 71 (2) Compliance. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. The transaction amount and authorization number (ARN. Chargeback. 2 Declined Authorization 72(1) 11. Carefully analyze the reason provided by the cardholder for the chargeback. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. A new 4 byte reason code will be used moving forward. Visa chargeback reason code 71 falls under the “Authorization” category. Chargebacks from all three categories can show . Only an issuer can initiate the chargeback process. Updated August 23, 2023. Share this graphic on your website or blog. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. 4863: Cardholder does not recognize. 71 Declined authorization; 72 No authorization obtained; 73 Expired card; 74 Late presentment;Chargeback Representment. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Chargeback reason codes 71 and 4808 are caused when merchants ignore a declined authorization response from the issuer and attempt one of the following actions: Forced posting. Hence, she disputes the merchant under the Reason Code 71: Declined Authorization. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. For example, if the chargeback reason is. Early Warning: Reaching a chargeback ratio of 0. Below is a list of Mastercard chargeback codes used in eCommerce. 0: Updated report version from 1. If the merchant continues to bill the customer, the customer may file a chargeback with American Express under Reason Code 71. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. 2134. Chargeback. Chargeback representment succeeds when you can present your rebuttal concisely and substantiate. 2044. Mastercard Collaboration will be a step in the right direction. Also, the distribution of fraud by mobile payment method has shifted from browsers (26% of mobile fraud in 2021) to. The issuing bank will then pass on the chargeback to the merchant. 4630 . Category. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 1. 7: Defective goods and services: C32: RM: 13. We would like to submit compelling evidence that the purchase was legitimate. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Reason Code: Description: 17: Cash Dispute-ATM Only: 30: Cardholder Disputed Amount (U. 4853 – Cardholder Dispute – Goods or Services Not Provided. Visa chargeback reason codes are used to categorize the reasons for a chargeback. reason codes. 11, 16. 11/03/15 Updated these MasterCard Chargeback Codes: 08, 12, 31, 34, 42, 53, 55, 59, 60, 70, 71. Chargeback Reason Codes In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Claims Resolution. 1. reason code information. While the updates have been published, they do not go into effect until Oct. The list of chargeback reason codes in this article is organized by card brand and type of dispute. 10. . 1? Visa chargeback reason code 11. Receiving a damaged product. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. Level 4/Phase 4: Arbitration. While the format of chargeback reason codes. The cardholder claims they were charged multiple times for a single transaction. Thanks for following the Chargeback Gurus blog. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how to prevent disputes in the future. Processing Errors Category Codes. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. It is subject to change and may not include every currently known dispute reason code. Reason Code 12. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. A reason code is how banks categorize the reason for a chargeback. It is associated with a chargeback reason code, and it is specific per Card Scheme. Updated: Valid values updated. 15, 2021. Both EFM and ECM measure compliance at the MID level. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. UA06 Fraud – Chip and PIN Transaction. We say the given reason because it may or may not reflect the true reason. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. the requested documentation, your account will be debited. message. You may know that every dispute you receive is attached to a chargeback reason code. While there are many chargeback reason codes, all chargebacks fall into one of three categories: The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Reason. Reason Code Reason Code North-America Reason Description; 4540: F29: Card Not Present (fraud). ©UA01 Fraud – Card Present Transaction. There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other Chargeback Categories. The most comprehensive guide to chargeback reason codes. 4 falls under the “Processing Errors” category. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Once you submit the documentation to Wave, our Disputes Resolution Team will work on the case, and submit the required information to the bank on your behalf. If you believe you have received an ACH return in error, you can contact your bank. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. The merchant did not receive any returned merchandise. For each reason code, a definition isThe Online Chargeback Management system now reflects the new reason codes and case. ”. The right to reason codes: When a card issuer files a chargeback, they must attach a reason code that identifies the grounds for the dispute. Assigned to the dispute condition. These codes are broken down into five different category. 3? Chargeback reason code 13. 1001 - Cardholder does not recognize the transaction. Cardholder Disputes. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. Fight; Prevent;. Visa chargeback reason code 12. The merchandise was as described or was not defective. Here’s how your store can prevent and deal with chargebacks. 4630 . Receive the Chargeback. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. Reason Code 03. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Code 13. Authorization Category Codes. May 2011: 5. Chargeback reason code 11. If you don’t reply in time or with . Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet phone, or mail orders. 4853 – Cardholder Dispute – Credit Not Processed. This reason code indicates that the merchant processed a transaction using the wrong transaction code. 11/03/15 Updated these MasterCard. chargeback: The buyer filed a chargeback with the credit card issuer. Reason Code. Visa chargeback reason code 11. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. 11. 2 falls under the “Authorization” category. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, and. According to Nilson, 56% of global card transactions were done on Visa in 2015. Cardholder can dispute transaction up until Day 90 for reason code 4808 on MasterCard (see Appendix for details), Day 60 for reason codes 4801 and 4802 (see Appendix for details). The most comprehensive guide to chargeback reason codes. . Added the following fields - Store ID, Credit Card Chargeback Reason Code. reason code information. 2 falls under the “Authorization” category. Visa Chargeback Reason Code 10. Mastercard chargeback reason code 4871 is one of the numeric labels assigned by banks to customer disputes, indicating the given reason for the claim. There is no one-size-fits-all when fighting chargebacks. 3. The chargeback can be for the total transaction amount or a lesser amount. This simply means that the product or service is defective or not as per the commitment of the merchant. If the chargeback is in the customer’s favor, the bank reverses the transaction and debits the business’s acquiring bank instead of crediting itGoods / Services Damaged or Defective. ” This reason code is used when a transaction is posted to the wrong account number. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Cancelled Recurring Billing (17. . . If the customer’s story matches. The main chargeback reasons look like this: Malicious fraud. But, merchants should be aware that, eventually, everyone will be required to use the new designations. 1. . In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. 4631. This is commonly caused by either true fraud or friendly fraud. Section 7: Chargeback Reason Codes: Detailed information on the reason codes for the most common types of chargebacks that merchants receive . By offering timely. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. 1 Quick Reference Lead. Declined Authorization Authorization Visa Code: 11. For each reason code, a definition isIn fact, studies show that friendly fraud and chargeback fraud take up the bulk of fraud losses among businesses around the U. 33 (-2. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. These chargebacks occur to resolve chargeback-related disputes between network members. Every time a merchant processes a transaction, they are supposed to send an. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Effective for Transactions completed on or after 15 April 2016, A Transaction for which Authorization was obtained after a Decline Response was received for the same purchase. Some legacy codes encompass multiple reasons; new mapping recognizes the individual reasons as separate number and reason combinations. The portion of fraud taking place in mobile channels jumped in 2021, more than tripling from 8% of US retail fraud in 2020 to 27% in 2021. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. Reason Code 53 re-presentments must be. Visa Chargeback Codes — removed retired codes. ” This code indicates that the merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card”. Different card networks have different reason code systems. All ACH return reason codes consist of the letter “R” followed by two. Batch chargeback process. ’Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. Each bank card network has its owner list of reason codes banks must prefer from. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. REQUEST A DEMO. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. 7: Defective goods and services: C32: RM: 13. ” This code indicates that the merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, and submitted the transaction anyway. Merchant must provide proof of authorization. Chargeback Code Authorization Errors; A01: Charge Amount Exceeds Authorization Amount: A02: No Valid Authorization: A08: Authorization Approval Expired: Chargeback Code: Type: Fraud: F10* Missing Imprint: F14* Missing Signature: F22: Expired or Not Yet Valid Card:Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involving-1,014. Learn more about Visa. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)What is Visa chargeback reason code 11. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. You can learn more about each one by visiting the Mastercard Chargeback Guide. Card Recovery Bulletins and Exception Files are documents created by Visa that list credit. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. 4841 Canceled Recurring or Digital Goods Transactions. 1 is the successor to the older reason code 30, which was replaced as part of the Visa Claims Resolution initiative. The terms may be different, but the process remains fairly unchanged. Reason Code 11. If the order was genuinely not as described, then the cardholder has a case. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. Chargeback Reason Codes List for Visa Chargeback Code Chargeback Reason 30 Services Not Provided or Merchandise Not Received 41 Cancelled Recurring Transaction 53 Not as Described or Defective Merchandise 57 Fraudulent Multiple Transactions 62 Counterfeit Transaction 71 Declined Authorisation 72 No Authorisation 73 Expired Card 74 Late. This list was generated 5/4/2022. 10. Attachment A: Copy of the customer's transaction on xx/xx/xxxx using a credit card ending in XXXX. 6. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. A fraud filter is any technology designed to analyze transaction data and flag commonly-recognized signs of fraud. 83 (2) 12. Chargeback fraud, in particular, accounts for 30 percent of total. Are there any new Reason Code changes? Yes, Visa has provided a new list of Reason Codes and Conditions. Code 4871 chargebacks usually occur when a fraudster with a stolen credit card targets a merchant whose POS terminals don't support PIN entry or convinces the merchant to bypass the PIN requirement. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Card Recovery Bulletin Authorization Visa Code: 11. These are the phases: Level 1/Phase 1: Retrieval request or first presentment. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. However, Visa is the largest card brand in both the United States and the world. 4512:Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. There are dozens of reasons why cardholders and issuers dispute transactions. Every chargeback is filed with a reason code that identifies the given reason for the dispute. Unauthorized returns (R05, R07, R10, R29, R51): 0. processed the transaction correctly. If you leave this processing. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. 3: Goods or services were not received: C08: RG: 4855: 13. After the withdrawal, the bank will create a chargeback reason code, meaning why they made the chargeback, and electronically transfer all the. She later changes her mind and cancels her order for which she didn’t receive the code. Top-3 Visa Dispute Reason Codes. Understanding these codes is essential because they'll guide your response strategy. The chargeback reason code is important in determining the evidence you need to provide to successfully win the chargeback dispute. UA02 Fraud – Card Not Present Transaction. com. 1. underlying your chargeback. 16, 2021. Vantage HouseEthoca alerts can prevent chargebacks before they hit your bank account. [MasterCard Reason Codes 4853, 4855, 4859;. 3. For more tips to Manage Chargeback Caused by Processing Errors and avoid reason code 71, contact Chargeback Expertz. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. 3 It is not described or defective (Merchandise and Services) DM y ND . non_receipt: The buyer claims they didn't get the goods or services. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. The. Authorization related Chargeback: 4834:. 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. Thus, the easiest way to prevent chargeback reason code 75 from being filed is. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Current Reason Code New VCR Reason Code 70(1) 11. This can provide important information to fight the dispute. Chargeback reason codes apply to disputes, between a cardholder (customer) and a merchant, when the dispute has escalated to a chargeback. 2 EMV Liability Shift. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. It depends on the chargeback reason code associated with the dispute. CSCs were developed by Equifax in the late 1990s as a way to increase security in the newly emerging world of e-commerce. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. Date Option. With each chargeback, the customer’s bank specifies a reason code. 4 Other Fraud—Card Absent Environment – a common friendly fraud reason code, especially when the cardholder doesn’t recognize the transaction on their statement. Fraudulent Transactions Dispute Category – each reason code has been categorized under four categories Dispute Condition – is the description of the Reason Codes. The terminal action codes are in Table 122 of the 4. In simple terms, Mastercard Chargeback Reason Code 4859 — No Show/Addendum/ATM Dispute refers to situations where a customer claims the services purchased from a merchant were not fulfilled. If you're contesting a chargeback, you'll need solid evidence. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Merchants may face chargeback fees, and excessive chargebacks may result in fines or termination of merchant services. Reason code 83 represents a chargeback categorized as. Below is a list of Mastercard chargeback codes used in eCommerce. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Protect cardholder data. Chargeback time frames - A specific period during which a chargeback can be raised. Collect Compelling Evidence. 71 - Declined Authorization. 4850: Installment Billing Dispute: List of reason codes supported by Pega Smart Dispute for Issuers in Maestro are as following: Reason codes in Maestro. There are a number of. However, it is important to note that this reason code is based on the reason given by the customer to their bank. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. 3. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Reason codes vary by card brand. 82 (1) 12. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. the Chargeback. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. These are only a handful of common Visa chargeback reason codes. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. many chargeback reason codes that exist today. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder. Mastercard: n/a This chargeback is caused by Authorization. Visa uses the four main categories to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Chargeback reason code. [1] Sift. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. 13. F02. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some instances. 4859 Addendum, No-show, or ATM Dispute. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. Required Authorization Not Obtained. EMV has been a mostly global standard since 2004. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingThe Fintech Times. 0: Changed report name from Downloadable Dispute Report to Case Report. 11, 16.