” This reason code is used when a transaction is posted to the wrong account number. Below is a list of Mastercard chargeback codes used in eCommerce. The shorthand description is “Card Recovery Bulletin or Exception File. In fact, 91. Technical. You must designate the write-off reason code for the system to use when you activate the automatic write-off feature. 16 Chargeback Reason Code 71 – Declined Authorization. Discover uses unique codes to explain those reasons to merchants. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. If you need additional information, visit the additional resources provided at the bottom of this page or at Chargeback. Reason codes are important to help merchants address recurring. A fraud filter is any technology designed to analyze transaction data and flag commonly-recognized signs of fraud. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. 1=1010,. Here’s how your store can prevent and deal with chargebacks. Chargeback Reason Code 30 - Services Not Provided or Merchandise Not Received The chargeback time limit is calculated based on one of the following: 120 calendar days after the transaction processing date 120 calendar days after the last date the cardholder expected to receive the goods or services (not to exceed 540 days of the transaction. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Fraud. 6 Message Reason Code 71—Transaction Amount Differs. The reason code. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. Visa Reason Codes. 71 - Declined Authorization. Thanks for following the Chargeback Gurus blog. 2. Visa and Mastercard are both card schemes. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet phone, or mail orders. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. For more tips to Manage Chargeback Caused by Processing Errors and avoid reason code 71, contact Chargeback Expertz. A chargeback is the potential outcome of a disputed credit or debit card transaction. 10. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingThis could include showing that the chargeback was for a different amount than the original transaction or that the reason for the chargeback is incorrect. 10. The incorrect amount being charged. 3: Goods or services were not as described: C31: RM: 13. For example, Mastercard has a code which indicates a ‘consumer dispute. Reason code 13. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. com. When a customer decides to dispute a charge made to their debit or credit card, it is referred to as a chargeback. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. Mastercard: n/a This chargeback is caused by Authorization. For example, suppose a cardholder filed a case about an order processing issue, and you disputed the chargeback. 13. May 2011: 5. Chargeback reason codes are codes used to categorize the reason for the dispute. Fraud. Once you hear from. Further information at page PSR-564, 11. Vantage HouseEthoca alerts can prevent chargebacks before they hit your bank account. 1. This provided a number of insights into the typical. 4853 – Cardholder Dispute – Credit Posted as a Purchase. For each reason code, a definition isThe Online Chargeback Management system now reflects the new reason codes and case. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. 195 Acquirer Use of Message Reason Code 7627. Customer Dispute. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. F01. 3 is an updated version of legacy reason code 53, which was phased out under the Visa Claims Resolution initiative. 4 Other Fraud - Card-Absent Environment. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. What is Visa chargeback reason code 11. However, Visa is the largest card brand in both the United States and the world. By entering your email, you agree to receive marketing emails from Shopify. However, it is important to note that this reason code is based on the reason given by the customer to their bank. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. What is Visa chargeback reason code 12. The newer system is designed to. When alerted about a potential chargeback, businesses can reach out to the customer promptly to understand and address their concerns. The details below are intended to help businesses feel more confident in understanding common chargeback codes and to surface possible actions you can take to respond to a chargeback dispute. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. 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. Reference these when rebutting cardholder disputes at your small business. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 RequestedRequired information illegible or missing. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. 2 Recurring transaction cancelled . It is used as a form of proof that the person attempting to use the card has the physical card in their possession. Chargeback prevention alerts provide an opportunity for businesses to engage with customers in a proactive and customer-centric manner. A dispute often has a reason code associated with it. processed the transaction correctly. 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 cardholder's account. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. 1 falls under the “Processing Errors” category. FR2 Fraud Full Recourse Program. 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. See Reason Codes for more. Technical. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. 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. . Mastercard: n/a This chargeback is caused by Authorization. Each card network maintains reason codes to cover all the disputes that qualify for. 1 falls under the “Authorization” category. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. To submit your documents to Wave, use the link in the chargeback notification email, or reply to the email. reason codes. 04/09/14 Discover: DC, U02. This indicates a transaction was processed using a card that Visa listed as stolen or counterfeit. Reason Code 11. This simply means that the product or service is defective or not as per the commitment of the merchant. 4. 31. The transaction amount and authorization number (ARN. For more tips to Manage Chargeback Caused by Processing Errors and avoid reason code 71, contact Chargeback Expertz. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. This manual outlines the rules and guidelines to be followed by the members. Include any terms relevant to the transaction, including return, cancellation and. 2134. This code applies when authorization for a transaction was requested. 10. Discover chargeback reason code 7030. There are over 80 unique return codes, each representing a different return type. 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. 3: Goods or services were not received: C08: RG: 4855: 13. S. United States. Visa chargeback reason codes are used to categorize the reasons for a chargeback. This chargeback is the consequence of a merchant’s attempt to circumvent or override a declined authorization response, which can be done through. 100187 and ANSI X9. reason code information. The Takeaway It can be difficult and frustrating to put a stop to a transaction, just because the POS terminal cannot read the card or your authorization. 4512:Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. 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. Accessed October 17,. This reason code is used when the cardholder claims that their card was used fraudulently without their permission. Reason. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 — Updated Special Notes. Try Shopify free for 3 days, no credit card required. The chargeback reason code is important in determining the evidence you need to provide to successfully win the chargeback dispute. 1 primarily suggests a delivery lapse by the merchant. Specify the invoice date and net due date to assign to chargebacks. There are two parts to this. 4 Other Fraud Card Absent. These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute. 16, 2021. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). Excessive Chargebacks: The merchant exceeded established chargeback thresholds. message. By entering your email, you agree to receive marketing emails from Shopify. 1. 16 Chargeback Reason Code 71 – Declined Authorization. Updated August 23, 2023. Acquirer Use of Message Reason Code 7623. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. These codes are broken down into five different category. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. These fraud tools are designed to warn users of potentially fraudulent transactions, letting users stop and reject untrustworthy transactions. 1. A Charge is Disputed * We’ll work directly with the Card Member and try to resolve the case before reaching out to you. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. American Express is incentivized to keep their customers happy. There are multiple situations in which this can occur. 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. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. Here’s how. The customer regrets their purchase. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Use fallback options—like manually entering transaction data—as a last resort. In most cases, you will have 20-45 days in which to respond to a chargeback. The customer is claiming that this purchase was not authorized. 1, 5 January 2016. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. Declined Authorization Authorization Visa Code: 11. The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. Take the time to note the following dispute reason codes for Visa. 3: Goods or services were not as described: C31: RM: 13. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. 11/03/15 Updated these MasterCard Chargeback Codes: 08, 12, 31, 34, 42, 53, 55, 59, 60, 70, 71. A chargeback happens when a customer requests for a transaction to be reversed. 0: Updated report version from 1. Administrative returns (R02, R03, R04): 3%. 15, 2021. Here are some chargeback reason codes by card type. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. There are 151 chargeback reason codes across the four major card networks. Cardholder Disputes. 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. A chargeback happens when a customer requests for a transaction to be reversed. These chargebacks occur to resolve chargeback-related disputes between network members. [MasterCard Reason Codes 4853, 4855, 4859; Visa. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity Goods / Services Damaged or Defective. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. 3 Changed Discover Reason Codes to match what is shown in the UI. Make sure your entire team is on the same page. Description. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. 2 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. 4: Other Fraud–Card-Absent Environment. Reason. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Shopify Payments Chargeback Reason Code #2: Transaction UnrecognizedChargeback Reason Codes List for American Express. 82 (1) 12. 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. 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. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. FR6 Partial Immediate Chargeback Program. The aim of CE 3. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. Mastercard chargeback reason code 4871 is one of the numeric labels assigned by banks to customer disputes, indicating the given reason for the claim. 3. Shared Deposits Only) 70: Chip Liability. Services industry for image exchange and the creation of IRDs. 71% of digital commerce losses result from chargeback fraud and friendly fraud. Download our 100+ page comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. Responding to chargebacks. M10 Vehicle Rental – Capital Damages. Declined Authorization – The Merchant tried alternative ways to get the transaction approved after the initial transaction response got declined. 1: Use the corresponding dates from the invoice. 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. A reason code is an alphanumeric code that explains the reason behind the dispute. Different card networks have different reason code systems. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. 2? Visa chargeback reason code 11. 99. Chargeback reason codes. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. 3 falls under the “Consumer Disputes” category. Each chargeback is disputed by a specific reason code. Visa Reason Codes Quick Reference Guide. 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). On xx/xx/xxxx, we received a chargeback under the reason code 11. American Express chargeback reason code C42. They control the respective networks through which transactions involving Visa- and Mastercard-branded cards are processed, but. Availability Date: October 24th, 2021. Say Goodbye to. 16. #4 step: The issuer assigns a chargeback reason code. This does not include an Authorization Visa Chargeback Reason Codes. The chargeback process is lengthy, time-consuming, and will always end up costing you more money than the original transaction was worth. Clerical Reason Code 71: Declined Authorization. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. ”. Authorization related Chargeback: 4834:. Review your credit card processor’s policies to understand its chargeback dispute process. 10. Here’s how your store can prevent and deal with chargebacks. Each chargeback received a numeric code which is known as the “reason code”. Visa chargeback reason codes are used to categorize the reasons for a chargeback. 4632. 1002 - Cardholder disputes billed amount. The reason codes are grouped into several broad. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. 2 is an updated version of legacy Visa reason code 71, which was phased out under the Visa Claims Resolution initiative. 755. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Each of these causes has a designated “reason code,” and banks assign the. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. 3. 5: Visa Fraud Monitoring Program. “American Express Chargeback Reason Codes | Sift”. Reason Code 03. The shorthand description is “Declined Authorization. The separation of the Return ReasonCredit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. 4846. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. The tickets were held at the box office, and no signature, swipe or imprint. Specify the invoice date and net due date that you want the system to assign to chargebacks. High-Risk (Excessive): Reaching a chargeback ratio of. Code. F01. ” This reason indicates a merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, but submitted the. The shorthand description is “No Authorization. If you don’t reply in time or with . Declined Authorization Authorization Visa Code: 11. M49 Vehicle Rental – Theft or Loss of Use. There are plenty of reasons as to why this would happen, hence the many. 100- 140 standards- , and will be removed in future releases. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. Chargeback reason code 75 is issued when a card issuer receives a complaint from a cardholder stating that the name of the merchant that. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. There is a USD 25 limit for the First Chargeback (Reason Code 22). Discover: Reason Code 4755 Non-receipt of goods or services. Reason. 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. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. reason code information. Chargeback reason code. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. Use this guide as a quick resource for Visa chargeback reasons at a. Understanding these. Check the chargeback reason code. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. Gather compelling evidence. Merchants also leave themselves open to friendly fraud. non_receipt: The buyer claims they didn't get the goods or services. Visa Reason Codes Quick Reference Guide Author: TD Canada TrustMastercard Chargeback Guide is a comprehensive document that explains the rules and procedures for resolving disputes between cardholders, merchants and issuers. 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. The merchant did not receive any returned merchandise. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. Some legacy codes are no longer supported by a chargeback reason. Next, the issuer passes along all information about the dispute, including the chargeback reason code, to the card network. chargeback: The buyer filed a chargeback with the credit card issuer. 11. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. the Chargeback. The shorthand description is “Incorrect Transaction Code. Each card. non_receipt: The buyer claims they didn't get the goods or services. What is Visa chargeback reason code 11. 0: Changed report name from Downloadable Dispute Report to Case Report. Understanding these codes is essential because they'll guide your response strategy. Thus, the easiest way to prevent chargeback reason code 75 from being filed is. . S. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andprenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Friendly fraud is challenging for merchants because it’s tough to diagnose. This reason code indicates that the merchant processed a transaction using the wrong transaction code. Reason codes are very crucial to assist. Chargeback Reason Codes Reason code are the first key to understanding the root causes . This may be done by either the merchant or the issuing bank. It can range from 60 to 120 days from the billing date. The shorthand description is “Insufficient Reply. Chargeback. A reason code will be provided. These may impact the dispute time limits. In particular, as far as Reason Code 71 is concerned, they should immediately stop a transaction for which an authorization is declined and ask the customer for another form of payment. Chargebacks. Cancelled Recurring Billing (17. 2. 4634. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. To avoid this, issuers can identify their chip cards using the Service Code field with a first byte value of 2 or 6. Cancelled Recurring Billing - 71 is an American Express Chargeback Reason Code that merchants and e-commerce sellers should be aware of. Specifically, these updates only pertain to transactions that are charged back after Oct. The most popular type of disputes of the chargeback category. 4 Other Fraud—Card Absent Environment – a common friendly fraud reason code, especially when the cardholder doesn’t recognize the transaction on their statement. You’ll put that reason code, the transaction amount and authorization number, and state that the. 1. These are the phases: Level 1/Phase 1: Retrieval request or first presentment. Visa Chargeback Reason Code 10. It depends on the chargeback reason code associated with the dispute. Reason codes vary by card brand. Card networks send these codes to merchants to indicate why a chargeback has been filed. R03 Insufficient Reply. [MasterCard Reason Codes 4853, 4855, 4859;. 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. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. Standard Threshold: Reaching a chargeback ratio of 0. CR . MasterCard chargeback reason code 4540. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Acquirer Use of Message Reason Code 7623. 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. You can learn more about each one by visiting the Mastercard Chargeback Guide. 13. Chargeback rebuttal letter: This letter must accompany your representment evidence and is essentially a summary of your evidence proving that the transaction is valid. The shorthand description is “Declined Authorization. Note: Fraud is generally the most common chargeback dispute reason. These are only a handful of common Visa chargeback reason codes. The standard chargeback process involves eight steps: Retrieval request: The card-issuing bank requests that the acquiring bank provide additional information for a given transaction. See the charts below for the full listing. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 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. Recurring billing transactions are a frequent source of conflict, disputes, and. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Combined the Authorization-related Chargebackssection into chargeback reason code 4808(Authorization-related Chargeback) as announcedin the Global Operations Bulletin No. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. 9808 info@chargebacks911. 33 (-2. 2 falls under the “Processing Errors” category. At this stage,. According to our research, friendly fraud will represent six out of every ten chargebacks filed in North America by 2023. 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. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. It is subject to change and may not include every currently known dispute reason code. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardChargeback reason codes are one piece of evidence you can use to make your case. Reason code 83 represents a chargeback categorized as. 11, 16. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. 1 is the successor to the older reason code 30, which was replaced as part of the Visa Claims Resolution initiative. It is very similar to: Mastercard's 4853- Defective/Not as Described Reason Code. Code 10. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. 11. Not recognizing your billing descriptor on a statement. Specifically, these updates only pertain to transactions that are charged back after Oct. There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other Chargeback Categories. If that is the case, inform your processor of the transaction date and amount.