Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. 34: Repeat Request for Copy: Visa chargeback reason codes. 43 Reason Code 73: Expired Card. The right to dispute a transaction is a federal law in. This chargeback reason code applies when a merchant processes a transaction without using the magnetic stripe or EMV card chip data, and the cardholder claims that they did not participate in the purchase. . Please see the below “cheat sheet” for the new 4 byte reason codes. 4853 – Cardholder Dispute – Credit Not Processed. Merchants who believe they have received an invalid chargeback under reason code C05 may are able to represent the transaction the reverse the chargeback with the right compelling evidence. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. This code is now obsolete, and issuers have been instructed to use code 4834 instead. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingOnce 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. 2 Added chapter providing information about the DiscoverAs both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. 3. Protect cardholder data. The customer is claiming that this purchase was not authorized. Mastercard chargeback reason code 4831 falls under the “Point-of-Interaction Error” category. . With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. The list of chargeback reason codes in this article. 3. What is Mastercard chargeback reason code 4853? Mastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. Any chargeback that is received without a reason code will be assigned a default code of 53. Most dispute reason codes that. Apparel retailers and suppliers must proactively address chargeback issues. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. What is Visa chargeback reason code 12. 03%: AP: 21: 1. Batch chargeback process. What is Visa. Different card networks have different reason code systems. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. It can range from 60 to 120 days from the billing date. © Chargeback Reason Codes All received credit card disputes include a reason code. The transaction amount and authorization number (ARN. For example, a shopper bought some goods and paid for these on the 14th of October 2017: this is the date that appears as the Disputed date. 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. At Visa they used to receive reason code 98. Otherwise, you'll. “It’s a lot tougher with Mastercard because they only use four main codes. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. Each card issuer follows their own standards for defining reason type, code and its format. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some instances. 7 Violation for Coercion Claim. The shorthand description is “Goods/Services Not as Described. 6). Oftentimes, the reason code assignment is based on limited knowledge and insight. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. #9. Technical. And most go about it indirectly. TC40 data is used to inform banks and card networks when a merchant has an outstanding fraud. Step #2 | Report the Scam to PayPal. Fight; Prevent;. 2. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. 3 Changed Discover Reason Codes to match what is shown in the UI. By entering your email, you agree to receive marketing emails from Shopify. ©The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. These codes are currently defined within the ANSI X9. 6: Duplicate processing/Paid by other means. The shorthand description is “Transaction Amount Differs. M49 Vehicle Rental – Theft or Loss of Use. DisputeFlow™. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Merged with new RC 34 0 Transaction amount differs Merged with new RC 34 & Late Presentment Merged with new RC 34 D Correct Transaction Currency Code not provided Merged with new RC 34 . With that said, you still need to understand the reason codes with any chargebacks from Amex. Multiple Authorization Requests. M01 Chargeback Authorization. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. 2. Transaction Amount: Decimal 0. resolved via the chargeback management process and within timeframes. Responding to Mastercard Reason Code 4853 Chargebacks. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. This reason code indicates the cardholder had reason to believe they were going to receive a refund, but no credit to their account has been processed. This code indicates that the cardholder claims not to have agreed to a currency conversion that took place. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. You. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Updated these Discover Chargeback Codes: U05, U06. Please refer to chapter 5 for. Chargeback Representment. 1? Visa chargeback reason code 12. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. 04/09/14 Discover: DC, U02. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. On xx/xx/xxxx, we received a chargeback under the reason code 11. During this process, the representative of the institution examines the reasons’ list. Some payment service providers like PayPal and Stripe have their own reason codes as well. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. 06%: 1. 4 is an updated version of legacy reason code 77, which was phased out under the Visa Claims Resolution initiative. In all, there are four major categories of Chargeback Reason Codes. In this scam, a scammer sends a message to their victim. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. As a merchant, your focus should be on finding and retaining customers--not chargebacks. • Rule changes for chargeback reason codes involving unjust enrichment associated with credits issued before or after a chargeback and/or after a second presentment. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Unfortunately, it is pretty challenging to prevent friendly fraud. 4 falls under the “Processing Errors” category. Check the chargeback reason code. 2 Compliance Cases4846 — Incorrect Currency Code. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. A reason code or a chargeback reason code is a string of symbols (numbers and letters). The shorthand description is “Transaction Not Recognized. 25%: 0. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. The right to dispute a transaction is a federal law in. You must contact your Relationship Manager for information about the. The sales receipt and/or date and amount of the authorization if other than the transaction date. The sales slip must include both a UA01 Fraud – Card Present Transaction. These codes are broken down into five different category. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. 4. Across open networks and include account numbers sent over email, instant messaging, text, or chat. Please refer to chapter 5 for more information. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. The chargeback applies to the following scenarios: The. Once you receive this notification, you have 11 days to submit a response. , as a result of a legitimate purchase of the Driving Manual from our online store drivingmanual. 9), the acquirer has 24 days to respond to the dispute • For MasterCard, the acquirer has 45 days to respond to the disputeThere are dozens of reasons why cardholders and issuers dispute transactions. Code 34 – will be renamed 'Point of Interaction Error' and will be used for the following issues: 31 Transaction amount differs; 34 Duplicate processing; 42 Late presentment; 46 Correct transaction currency code not provided; Issuers have the option of using the existing chargeback reason codes or the renamed code covering a variety of issues. In the case of reason code 11. Discover uses unique codes to explain those reasons to merchants. PCI DSS v3. There are four common causes for this type of dispute: You entered the same transaction into your terminal more than once. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from card34: Item buyer dispute amount: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters;. The list of chargeback reason codes in this article is organized by card brand and type of dispute. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. A chargeback can happen when a customer initiates a transaction dispute. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. Unfortunately, the final decision in such cases comes down to the issuing bank, and not. Each card issuer follows their own. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. 1. Not remembering the original purchase. The chargeback reason code. mastercard dispute form. WEX began issuing chip cards in Q4, 2020. Also, just like American Express, Discover functions as both a card network and an. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. Search the Chargeback Reason Code Database. Values are: Blank: Use the draft G/L date. 4 Other Fraud Card Absent. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. Chargebacks. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. R13 No Reply. Code 4837 chargebacks are most often caused by either a fraudster making a purchase with stolen payment credentials or a cardholder failing to recognize a legitimate charge. Also, just like American Express, Discover functions as both a card network and an. Card networks send these codes to merchants to indicate why a chargeback has been filed. Step 1: The cardholder disputes a charge. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831. Accessed October 17, 2022. Duplicate Processing - 81Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. Real-Time Account Reporting. American Express chargeback reason code C04 falls under the “Card Member Disputes” category. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some. Each of the major card brands, including Visa,. 03%: AP: 21: 1. Chargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. . With the right compelling evidence,. Credit card chargeback reason code: Type: varchar; Max length: 32 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. It’s easier to contact their card issuer and file a chargeback—no need to go to you. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. R03 Insufficient Reply. This chargeback reason code was retired by Visa in April 2018. This code applies when either the transaction was processed using an incorrect account number, or the transaction itself was not authorized. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. For instance, if the chargeback reason code alleges that merchandise was not delivered, you should provide tracking and delivery notifications, evidence that the customer lives or works at the product’s destination, or other proof that the customer received the product. Chargeback reason code 12. There are plenty of reasons as to why this would happen, hence the many. Reason code 4808 (Authorization-related Chargebacks) addresses disputes involving the timeliness of the presentment in relationship to the authorization. ), confirming that the cardholder has enough funds or available credit to cover a transaction they're making with their card. The Merchant Reviews the Partial Chargeback Claim. This may include information about the. Paymentology will submit the chargeback using the appropriate chargeback reason code. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. 2 chargebacks are frequently caused by customers forgetting to cancel a subscription before the next billing and then going to their bank to try to get their money back. Code. Analyze your chargeback data. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Mastercard chargeback reason code 4999 falls under the “Point-of-Interaction Error” category. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. In the case of friendly fraud, that reason could be completely invalid and. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. Discover chargeback reason code 7030. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. 4 is an updated version of legacy reason code 77, which was phased out under the Visa Claims Resolution initiative. This chargeback is more commonly initiated. Codes are not often shared between issuers which means it can be difficult to remember the details of each. 2. 34 Chapter 2: Dual. Reason Codes: 24 / 25 / 30 / 34 / 59 / 82 Cardholder denies making CARD PRESENT transaction Make sure all transactions are magnetically swiped or imprinted. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback. Invalid Reasons for a Dispute What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. contact@midigator. Spot these types of chargebacks using the below reason codes. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. Chargeback time frames - A specific period during which a chargeback can be raised. 1 chargeback: 1. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. 02/10/16 Added Debit Chargeback Reason Codes. For merchants, the deadline to respond is 30 days for Visa chargebacks and 45 days for Mastercard chargebacks. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. ” This reason code indicates that the merchant processed a transaction without first obtaining a correct and valid authorization approval. 3. (Reason Code 4850) > Arbitration Case Filing-For Chargebacks Initiated On or Before 16 April 2020. ECM monitors first presentment chargebacks regardless of reason code or transaction type. Solutions. If you believe you have received an ACH return in error, you can contact your bank. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. The cardholder’s bank assigns a reason code to each chargeback before sending it to the merchant. Chargeback Reason Codes by Industry. . Reason Codes: 24 / 25 / 30 / 34 / 59 / 82 Cardholder denies making CARD PRESENT transaction Make sure all transactions are magnetically swiped or imprinted. This reason code means that the customer claims to have received goods or services that were damaged, defective, or otherwise unacceptably faulty. 3: Goods or services were not received: C08: RG: 4855: 13. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested. This provided a number of insights into the typical causes of subscription chargebacks by industry: Computer Software : Cancelled Services was the most common chargeback reason code, which is troubling because these should be easily avoidable disputes. Chargeback /Dispute; Merchant Response. Reason Codes Category 1: Authorization. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. Merchants who believe they have received an invalid chargeback under reason code 13. This can provide important information to fight the dispute. Chargeback reason code 13. . At Visa they used to receive reason code 98. Reason codes vary by card brand. ’For card-absent transactions, use all Visa tools, including AVS, CVV2, Visa Secure, and more, to reduce instances of fraud. compliance process depending on whether a chargeback right exists. The merchant did not receive any returned merchandise. Chargeback time frames - A specific period of time during which a chargeback can be raised. The shorthand description is “Correct Transaction Currency Code Not Provided. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. You can see the reason code for the dispute in the Dispute page. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. 5, and all aspects of chargeback reason codes, with proprietary. Proof you have already refunded the transaction and credited the cardholder’s account. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. Reason Code Description. Each card issuer follows their own standards for defining reason type, code and its format. 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. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. Custom Notifications. High Level Visa Chargeback Dispute Flow. 4 is part of the updated Visa reason codes that were phased out under the Visa Claims Resolution initiative. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. The cardholder may be the customer or the someone who lent their card to a friend or relative. If you do perform a key-entered transaction, make a manual imprint of the card. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Discover: Reason Code 4755 Non-receipt of goods or services. This area shows you the type of dispute (chargeback in the example above) and the reason code. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. 7. 196It means the issuer has placed a stop or hold on a transaction. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. This code helps you identify the exact cause of the dispute. This ranges anywhere from roughly 60 to 90 days after purchase. The cardholder withdrew their chargeback: Provide a letter or email from the cardholder that states. Those reasons are explained through the corresponding reason codes. Reason Code. Recurring billing transactions are a frequent source of conflict, disputes, and. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. Administrative returns (R02, R03, R04): 3%. Payment Transaction Response Codes. Each bank card network has its owner list of reason codes banks must prefer from. We are writing to dispute the $1980 chargeback with the chargeback reason code 30 Services Not Provided or Merchandise Not Received. 10 Tips to Prevent Fashion Chargebacks. You’ll put that reason code, the transaction amount and authorization number, and state that the. The use of this reason code indicates that the cardholder is claiming they did not participate in the transaction, and American Express believes a counterfeit card was used. Visa chargeback reason code 75 is filed as an honest mistake. 3? Visa chargeback reason code 13. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. On that note, below are some vendor missteps that could result in Visa reason code 13. Contents AUSTRALIAN MERCHANT CHARGEBACK REASON CODES. Prevent Chargebacks & Reduce Payment Processing Risk. 3. Terms and conditions. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. FR6 Partial Immediate Chargeback Program. Updated August 23, 2023. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. There are tricks you might use to circumvent an undesirable authorization message, such as not requesting authorization at all, or making multiple attempts on a declined card. 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. 12. These chargebacks occur to resolve chargeback-related disputes between network members. EXPERT WITNESSES | CERTIFIED CYBER INVESTIGATORS | BEST OF BREED FORENSIC TOOLS & SOFTWARE. 1? Chargeback reason code 11. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. 196 ‹” Chargeback Reason Codes… !ó Retrieval Reason Codes… Í Sheet3š š £ £ Œ ® ;H Á Á Õ8 ü ! À Mastercard Reason Code Description Time Frame Retrieval Required 01 Yes 02 07 No 08 12 31 Transaction amount differs 34 Duplicate Processing 35 37 No Cardholder Authorization 40%Fraudulent Processing of Transactions 41 Cancelled. Visa has recently announced changes to its chargeback rules. Mastercard uses a four-digit numbering scheme for its chargeback reason codes. 3 is the less common version for card-present transactions. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. What is Visa chargeback reason code 13. Chargebacks. The shorthand description is “Domestic Chargeback Dispute (Europe Region Only). Chargebacks911® can help your business manage all aspects of chargeback reason codes, with proprietary technologies and experience. Provide exemplary customer service. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet phone, or mail orders. All 1. Card authorization refers to the actual notification received by a merchant. Unauthorized returns (R05, R07, R10, R29, R51): 0. Use clear and consistent billing descriptors. Find out the reason codes, reasons for return, and reasons for rejection, and what the stamps and codes actually mean. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. The shorthand description is “Goods/Services Damaged or Defective. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. UA05 Fraud – Chip Counterfeit Transaction. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. ” This reason code is. ”. The merchandise was as described or was not defective. 2. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. American Express chargeback reason code C32 falls under the “Card Member Disputes” category. You might also like. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. This reason code is used when the cardholder claims that a transaction charged to their account was actually supposed to be a credit. Accessed October 31, 2022. The same is true of all chargeback reason codes. These codes are broken down into five different category. 1: goods not received. These codes are established by the payment brands to categorize the incoming dispute requests by reason. So the company has more incentive to side with customer during cardholder. All ACH return reason codes consist of the letter “R” followed by two. The newer system is designed to. The most comprehensive guide to chargeback reason codes. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. The notification will also specify the terms of the agreement under which Amazon Pay will assist you in handling the chargeback. mastercard chargeback reason code 37. 3. 3: Goods or services were not as described: C31: RM: 13. 2. Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. As we touched on earlier, chargebacks can happen due to technical errors. Please refer to chapter 5 for more information. 1. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how. visa chargeback guide 2021. Step 4: Card Network Collects Dispute Information. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. “American Express Chargeback Reason Codes | Sift”. In fact, the same thing could be said of other chargeback reason codes, too. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 2. Message. The shorthand description is “Credit Not Processed. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingChargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. 06%: 1. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. American Express chargeback reason code C42.