It can range from 60 to 120 days from the billing date. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). 3. There are over 80 unique return codes, each representing a different return type. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. Chapter 2 1. However, it's advisable to respond to whatever reason code you received from the bank. Solutions. Issue a refund because they don’t accept returns, but they failed to communicate this policy to the customer clearly. For all other transactions, the maximum amount of. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. Yes. 5 Appendi New Reason Code 1150 – Addition of New Reason 69 x C23 “Chip Card Counterfeit Code 1150 under Transaction” added International Chargeback Reason Codes 04-09-2015 1. ”. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. This means the cardholder claims that they paid for their purchase with a different payment method, but the merchant charged their credit card anyway. Protect cardholder data. 2022 Visa Chargeback. Merchants have 5 days to respond to a notification about a chargeback. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. C14 Paid by Other Means C15 Paid by other means/voucher provided C16 Billing out side of US and Canada C17 Card no valid in US C18 Canceled trans/no showTry Shopify free for 3 days, no credit card required. com Europe. The aim of CE 3. Learn in detail about the dispute reason codes and documents required for representation. Here are the most common: Fraud: When a purchase was made on a credit card without the authorization or consent of the cardholder. VCR Dispute Reason Code 10. Reason Code 03. C14 Paid by Other Means; C18 “No Show” or CARDeposit Canceled; C28 Canceled Recurring Billing;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. Merchant must provide proof of authorization. Inform the cardholder when you issue the credit. 31. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. If more information is needed, you’ll either receive an Inquiry or a Chargeback. 4 Other Fraud Card Absent. The shorthand description is “Paid by Other Means. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. On that note, below are some vendor missteps that could result in Visa reason code 13. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. Eligible Chargeback Reason Codes . Specify the invoice date and net due date to assign to chargebacks. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. Once filed, the merchant generally has 20. UA06 Fraud – Chip and PIN Transaction. 4807 – Warning Bulletin File. 2. Reason code 83 represents a chargeback categorized as. Goods / Services Damaged or Defective. Discover: Reason Code 4755 Non-receipt of goods or services. UA05 Fraud – Chip Counterfeit Transaction. 15, 2021. The following are some examples: Visa Reason Code 13. C18 – “No Show”. Based on the information provided, Paymentology will investigate the transaction being disputed. 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. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. WEX began issuing chip cards in Q4, 2020. At Visa they used to receive reason code 98. The shorthand description is "'No Show’ or CARDeposit Canceled. If you believe you have received an ACH return in error, you can contact your bank. According to our research, friendly fraud will represent six out of every ten chargebacks filed in North America by 2023. C18 – “No Show” or CARDeposit Cancelled. C02 = Credit not processed. 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. There are two parts to this. 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. 1. Chargeback Report. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. 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. The shorthand description is “Paid by Other Means. Also, just like American Express, Discover functions as both a card network and an. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. 0 is to make the chargeback process more efficient, transparent, and fair. Reason Code 02. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. 2 falls under the “Processing Errors” category. 4: Other Fraud–Card-Absent Environment. In the case of friendly fraud, that reason could be completely invalid and. 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 To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. The new reason codes follow a format of two digits, a period, then a third digit. Steps to Prevention. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. If a chargeback is issued, the cardholder’s bank reverses the fraudulent charge by giving them a provisional credit. Other Ineligible Transactions Under Reason Code 62, Condition 2 . Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. In addition to losing the amount that was. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. There are over 80 unique return codes, and each one represents a different type of return. Managing Reason Code 41 chargebacks. What is Visa chargeback reason code 13. ”. Invalid Reasons for a Dispute Updated August 23, 2023. 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. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. A chargeback can happen when a customer initiates a transaction dispute. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. [noun]/* chahrj • bak • rə • pôrt/. Documentation must be a direct result of cardholder communication. 2. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. 2. If you've determined the chargeback is meritless, and you know the reason code, below are the five stages of an effective chargeback representment. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. Responding to Mastercard Reason Code 4853 Chargebacks. For merchants at risk of exceeding important chargeback thresholds, this cost is often well worth it. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. UA01 Fraud – Card Present Transaction. Codes are not often shared between issuers which means it can be difficult to remember the details of each. Chargeback Reason Codes; Chargeback Rebuttal Letters; Credit Card Dispute; Visa Chargeback Reason Codes; Mastercard Reason Codes; CONTACT. Updated Disputes/Chargeback Policy Coming April 2024American Express chargeback reason code C18 falls under the “Card Member Disputes” category. Then it chooses the most applicable code for a. • Updated support documentation for Paid Through Other Means (ISO 4515 / C14). Values are: Blank: Use the receipt G/L date. Chargeback prevention alerts require you to monitor and respond to notifications within a short time frame, usually 24 to 72 hours. For example, 10. The merchandise was as described or was not defective. These are only a handful of common Visa chargeback reason codes. Using the same link provided above, contact PayPal to report the scam. Visa uses Reason Code 74 and its MasterCard’s equivalent is 4842. Following the prompts. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. The most comprehensive guide to chargeback reason codes. There can be only two causes for Reason Code 90: a cardholder participated in the transaction at issue, but did not receive the cash or load transaction value or received a partial amount. This can be transaction receipts, proof of. Merchants have 20 days to submit supporting documents if they choose to challenge the dispute. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. One of two things will happen next. American Express is incentivized to keep their customers happy. 3 falls under the “Consumer Disputes” category. However, the issuer must wait at least 10 days. • Clarified support required to request a Chargeback Reversal for Credit not processed (ISO 4513) / Goods/ services returned or refused (C04). The shorthand description is “Incorrect Account. 3 Changed Discover Reason Codes to match what is shown in the UI. 12. 76 - Incorrect Currency or Transaction Code or * Domestic. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. On that note, below are some vendor missteps that could result in Visa reason code 13. These reason codes. There are multiple situations in which this can occur. Braintree Support Articles. UniBul August 16, 2010 Credit Card Processing Blog 0 Comments. If a dispute is filed with Discover and a ticket retrieval request is sent, the merchant has just five calendar days to respond with. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. In fact, for every dollar lost to chargebacks in 2019, the average merchant lost an additional $2. Once filed, the merchant generally has 20. A chargeback filed due to buyer’s remorse is a prime case. 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 TRRChargeback reason codes are one piece of evidence you can use to make your case. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. Chargeback reason code. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. A major reason is that TC40 reports do not account for delivery failures or product quality disputes. A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. Here’s a look at the reason codes for the same scenario from the major credit card companies: Visa: Reason Code 30 Services not provided or merchandise not received. Chargebacks911® can help your business manage all aspects of chargeback reason codes, with proprietary technologies and experience. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at some. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. Every chargeback comes with a reason code. 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. 634. Merchants who often receive this reason code include timeshare resellers, credit repair, debt consolidation, technical support/services, and foreclosure relief services. Include any terms relevant to the transaction, including return, cancellation and. A reason code is how banks categorize the reason for a chargeback. The shorthand description is “Goods/Services Not as Described. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. C14. Having a Lax Attitude Toward Industry Rules & Regulations. However, a truly effective strategy must involve both prevention and disputing cases of friendly fraud. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. 1 chargeback: 1. 2? Visa chargeback reason code 12. Message. With that said, you still need to understand the reason codes with any chargebacks from Amex. 4. Download this sample Chargeback Rebuttal Letter. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet. Chargeback /Dispute; Merchant Response. This can be cash, check, or some other type or brand of payment card. Through 2021, we. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. One thing that TC40 and SAFE reports cannot be used for is keeping tabs on chargebacks. Quickly and proactively respond to customer complaints. Cause The merchant Failed to void multiple transactions. Attempted to process transactions fraudulently. The chargeback reason code. 1 – EMV Liability Shift 10. Discover: Reason Code 4755 Non-receipts of goods or services. American Express uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors as well as two additional categories, Inquiry/Miscellaneous and Chargeback Programs, to classify just a handful of reason codes. 1 Merchandise/Services Not Received . Visa’s chargeback reason code 13. 4853 – Cardholder Dispute – Goods or Services Not Provided. A chargeback happens when a customer requests for a transaction to be reversed. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. 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. The assigned chargeback reason code outlines why a customer submitted the dispute. ’Last updated: October 15, 2019 . In most cases, you will have 20-45 days in which to respond to a chargeback. 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. Merchants. Here’s a step-by-step guide: Step 1: Get notification and login. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. C14 – Paid by Other Means. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. Merchants who believe they have received an invalid chargeback under reason code 12. For perspective, the next highest. The system does not accept blank as a value, even if it is defined in the user defined code table. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. Fight; Prevent;. About American Express chargeback reason codes. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. Amex Chargeback Reason Code C14: Paid by Other Means Description Cardholder complaints with his card issuer that he was willing to pay for a transaction with the credit. New Visa CE 3. By entering your email, you agree to receive marketing emails from Shopify. American Express chargeback reason code C14 falls under the “Card Member Disputes” category. Step 1: The cardholder disputes a charge. There are a wide range of reasons, valid. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. EMV Liability Shift Non-Counterfeit Fraud. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 2. 9808 info@chargebacks911. 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. 3 –. 4 Funding Process. Receive the Chargeback. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. 7: Defective goods and services: C32: RM: 13. UA06 Fraud – Chip and PIN Transaction. This code applies when a transaction was processed without acquiring authorization…but the card used in the transaction was listed in the Visa Card Recovery Bulletin (CRB). Response M10 Vehicle Rental – Capital Damages. . All ACH return reason codes consist of the letter “R” followed by two. Clerical In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. United States. As we touched on earlier, chargebacks can happen due to technical errors. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. A chargeback happens when a customer requests for a transaction to be reversed. 0 hour of labor. 6). Card Recovery Bulletin Authorization Visa Code: 11. 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. 0. The cost to diagnose the C1214 code is 1. So don’t spend another second worrying about chargebacks. Chargeback reason code 11. Process reversals and credits promptly. Either the acquiring or issuing bank could initiate the chargeback. Visa chargeback reason codes. American Express Chargebacks / Disputes. 10. C14 - Paid by Other Means. If the available information indicates that the customer dispute is a valid one, American Express will automatically debit your merchant account for the amount of the disputed transaction and will send you a chargeback notification for you to review. Multiple Authorization Requests. As part of its move to support card-not-present merchants and airlines, Visa made changes to the compelling evidence requirements for four key reason codes: Reason Code 30: Services Not Provided or Merchandise Not Received. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. ”. 1? Visa chargeback reason code 12. 1 - Late Presentment. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. 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. Under “Transaction History,” tap the transaction you want to dispute, then tap “Report an Issue. Look below the surface. Here’s how. Take the time to note the following dispute reason codes for Visa. Please note that the most common Chargeback reason code for Allocation disputes is 10. 1: goods not received. American Express: Reason Code C08 Goods or services not received. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. 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. Overview. Visa Chargeback Reason Codes; MasterCard. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)About American Express chargeback reason codes. Mastercard Reason codes fall under four categories. The merchant didn’t: Issue a refund for canceled or returned merchandise. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. 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. A chargeback is the potential outcome of a disputed credit or debit card transaction. Stage #1: Awareness - be aware of the chargeback response time limitWe are writing to dispute the $1980 chargeback with the chargeback reason code 30 Services Not Provided or Merchandise Not Received. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Chargeback Representment. Discover uses unique codes to explain those reasons to merchants. resolved via the chargeback management process and within timeframes. TC40 and SAFE data also isn’t always reported before a chargeback is filed. 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. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. Reason. 4 spec (Section 8. 10. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Try Shopify free for 3 days, no credit card required. Friendly fraud is challenging for merchants because it’s tough to diagnose. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. 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. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. 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. The implication is that the merchant is at fault. Scenario 1 — upfront chargeback. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. Try Shopify free for 3 days, no credit card required. M49 Vehicle Rental – Theft or Loss of Use. Most common causes for Reason Code 90. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. 2 address the specific dispute reason with the documents you send. Cancel a timeshare within 12 days of the receipt or contract date. 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 Transaction Amount Differs 4834 Duplicate. Reason Code 04. To do so, they must provide evidence to the issuing bank that the. If the customer’s story matches. By entering your email, you agree to receive marketing emails from Shopify. The diagnosis time and labor rates at auto repair shops vary depending on the location, make and model of the. A chargeback report is a periodic report that compiles key chargeback stats to track trends and identify correlations between disputes and other business data. Other Fraud—Card Absent Environment. The issuing bank reviews the information. 1: Use the corresponding dates from the invoice. Common Card-Not-Present Visa dispute reason codes. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. A TC40 data claim occurs when a customer makes a fraud claim against a merchant. Next, you can log in to your PayPal account and click on Open Cases in the Resolution Centre. In the distribution industry,. Reason codes are important to help merchants address recurring. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. Chapter 5. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity 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. A Charge is Disputed * We’ll work directly with the Card Member and try to resolve the case before reaching out to you. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. Chargeback Reason Codes and Descriptions. Below is a list of Mastercard chargeback codes used in eCommerce. Review your credit card processor’s policies to understand its chargeback dispute process. . Once you hear from. EMV Liability Shift Counterfeit Fraud. How to Manage ‘Late Presentment’ Chargebacks. GraphQL Docs & Tools. The terminal action codes are in Table 122 of the 4. You can learn more about each one by visiting the Mastercard Chargeback Guide. C14: Paid by Other Means: None: Card Member Disputes: C18 “No Show” or CARDeposit Canceled: None: Card Member Disputes: C28: Canceled. C05 = Goods/Services cancelled. Also, remember that the time frame for your response includes any processing required by the acquirer. For details on how to receive notifications of chargebacks, accept or dispute them, and submit evidence to. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. 6: Duplicate processing/Paid by other means. Code. A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. The CB Reason represents the default reason for marking the transaction as a chargeback, but this default value can be changed. 4 spec (Section 8. 2. This can provide important information to fight the dispute. The major card networks have unique reason code systems, and banks use separate tools. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Other Fraud—Card Absent Environment. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature) Visa Chargeback Reason Codes Mastercard Chareback Reason Code; 30: Services Not Provided or Merchandise Not Received 57: Fraudulent Multiple Transactions 62: Counterfeit Transactions 81: Fraud- Card-present environment 83: Fraud- Card-absent environment 13. Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. 105. High-Risk (Excessive): Reaching a chargeback ratio of. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. The incorrect amount being charged. 3: Goods or services were not received: C08: RG: 4855: 13. 3 - Incorrect Currency . C04 = Goods/Services returned or refused. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. C14. For Visa disputes, the reason code also dictates which workflow the case will take. Ensure card-present transactions are magnetic stripe read or chip-read. Only an issuer can initiate the chargeback process.