Chargeback Reason Codes; Chargeback Reason Codes. Others require banks to wait for a certain period before they can issue a chargeback. This statement item can later be reversed, or made permanent, depending on the reason for the credit issuance. You can learn more about each one by visiting the Mastercard Chargeback Guide. UA02 Fraud – Card Not Present Transaction. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. 1001 - Cardholder does not recognize the transaction. 3 is an updated version of legacy reason code 76, which was phased out under the Visa Claims Resolution initiative. With that said, you still need to understand the reason codes with any chargebacks from Amex. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. Maestro. 1? Visa chargeback reason code 10. The list of chargeback reason codes in this article is organized by card brand and type of dispute. A provisional credit is a temporary credit issued by a bank to an account holder. Chargeback reason code 11. 83 - Fraudulent Transaction. The assigned chargeback reason code outlines why a customer submitted the dispute. Section5. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. The transaction was refunded prior to the initiation of the chargeback: provide proof of refund. 4: Other Fraud–Card-Absent Environment. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. MASTERCARD Reason Code Description. Respond to invalid disputes. 3 falls under the “Consumer Disputes” category. This list was generated 5/4/2022. FR6 Partial Immediate Chargeback Program. . The most comprehensive guide to chargeback reason codes. Discover Chargeback Reason Codes Explained. UA01 Fraud – Card Present Transaction. Reason code 4853 refers to the broad category “Cardholder Dispute. S. ”. Each code begins with 'R' followed by a two digit number. This can be a little confusing; Visa uses the term “dispute” in place of the term “chargeback. The following are some examples: Visa Reason Code 13. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Chargeback reason codes can change with new information. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. Slideshow 7717267 by chargebackprevention 81 – Fraud – Card Present Environment 83 – Fraud – Card Not Present Environment Applicable Chargeback Reason Codes Effective for Representments Processed On or After 17 October 2015 30, 53, 81, 83 Evidence, such as photographs or emails, to prove a link between the person receiving the Description: Reason code for applying handling fee. For the sake of simplicity and standardization, card networks like Visa have created a breakdown of the acceptable causes for a customer to dispute a credit card charge by filing a chargeback. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested item illegible: 07: Warning Bulletin File: 08: Requested/Required Authorization Not Obtained: 12:. Also, just like American Express, Discover functions as both a card network and an. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and 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. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. Retrieval Request/ Copy request Reason Codes. Feel free to submit topic suggestions, questions or requests for advice to:. A chargeback guarantee is a service provided by third-party vendors that protects merchants against the financial impact of chargebacks. 30. Responses to retrieval requests that are over 4 pages will. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. Below is a simple set of instructions, based on different situations: If the transaction was verified using SCA ( 3D Secure ): provide this proof. However, they’re more and more often used as a loophole to commit fraud. Oct 17, · A reason code is a numeric code that describes the motivation behind a chargeback dispute. . The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. For best results, your chargeback win rate should be as close to 100% as possible. For example, some reason codes offer cardholders over a year to file. 4512: Duplicate Processing:Chargeback reason codes have changed. While there are many chargeback reason codes, all chargebacks fall into one of three categories: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. The main reasons of this chargeback are: Merchant charged an account which was used fraudulently Cardholder wasn’t able to recognized name of merchant on. The cardholder may be the customer or the someone who lent their card to a friend or relative. This provided a number of insights into the typical. Oftentimes, the reason code assignment is based on limited knowledge and insight. The chargeback reason code. Reason Code 03. Region Only) 4855 Goods or Services Not Provided. Check the chargeback reason code. There are instances where a merchant will receive a chargeback filed under this reason code, when it is actually invalid. The shorthand description is “Incorrect Transaction Code. ”. While every card system has its own particular exceptional arrangement of chargeback reason codes, the categories are fundamentally very similar. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. 1. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. Either the acquiring or issuing bank could initiate the chargeback. Goods / Services Damaged or Defective. 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. The good news is that most of these invalid claims are disputable by the merchant. A chargeback can happen when a customer initiates a transaction dispute. 4. While the updates have been published, they do not go into effect until Oct. Expert Help. F01. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. Most dispute reason codes that. Each of these causes has a designated “reason code,” and banks assign the. MasterCard - 4855 Goods or Services Not Provided. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. If this fails and the Issuer has already billed the Transaction to the Cardholder, the Issuer must creditthe Cardholder for the Chargeback amount. Chargeback reason code 10. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. 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. This will be referenced in the chargeback notice you received. io This is exactly the case with Reason Code 83, which is used to designate chargebacks resulting from processing fraudulent card-absent transactions. These chargebacks occur to resolve chargeback-related disputes between network members. Authorization errors generate due to a lack of authorization or a non-compliance issue. Reason Code. Based on the information provided, Paymentology will investigate the transaction being disputed. Late Presentment (Chargeback Reason Code 83) is a type of chargeback issued by American Express when a merchant fails to submit a transaction for processing within a. 3. UA06 Fraud – Chip and PIN Transaction. A dispute often has a reason code associated with it. Your issuing bank will often give you. See full list on chargeflow. CNP transactions are incredibly varied; with customers purchasing. 4859 Addendum, No-show, or ATM Dispute. Each bank card network has its owner list of reason codes banks must prefer from. They provide banking services to customers, allowing. This statement item can later be reversed, or made permanent, depending on the reason for the credit issuance. And approval wasn’t obtained at the time of transaction. What are the odds a merchant will “win” the chargeback dispute? The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. The Sift Digital Trust & Safety Platform does what other fraud tools can’t, patented technology delivers. 4846. Choosing what compelling evidence to submit. For example, a debit may have been processed instead of a credit, or a credit processed instead. 4840 — Fraudulent Processing of Transactions. What is Visa chargeback reason code 13. While the format of chargeback reason codes varies depending on the card network, all codes are. Subsection5. Spot these types of chargebacks using the below reason codes. If you’re not, there’s a good chance you’re about to see a high volume of chargebacks with “fraud” reason codes come pouring in. 4. . Specify the default reason code to. Stage 1: First Chargeback. Reason Code 82: Duplicate Processing Reason Code 83: Fraud-Card-Absent Enviroment Reason Code 85: Credit Not Processed Reason Code 83: Paid by Other. However, just because a chargeback is coded with a fraud or no authorization reason code does not mean true fraud has actually taken place. 83: Fraudulent transaction (card not present). It was originally just one facet of legacy reason code 81. 2co charge back reason codes Reason code 83 represents a chargeback categorized as Fraud – Card Not Present (CNP) Transaction. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. 1: goods not received. 99. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. The notification will also specify the terms of the agreement under which Amazon Pay will assist you in handling the chargeback. 29. These codes are currently defined within the ANSI X9. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Chargeback prevention strategies vary based on the reason for the. 1=1010,. Built with a single, intuitive console, Sift’s end-to-end solution eliminates the need for disconnected tools, single-purpose software, and incomplete insights that drain operational resources. e. Table A-1 shows all possible values for the <response> and. Visa - 10. The cardholder alleges they never received the products or services. When you get one of these response codes, you’re going to have to ask the customer to provide a different payment method: 5 - Do Not Honor. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)Every chargeback is filed with a reason code that identifies the given reason for the dispute. Below are some examples of more common reason codes. REQUEST A DEMO. Another thing you should bear in mind is that the card brand involved in the dispute can also change the reason code to suit new developments. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). It occurs when the merchant intentionally tries to process fraudulent transactions or if they failed to void multiple transactions. 4: Fraud—Card-Absent Environment. ”. Discover is a credit card network and an issuing bank—just like American Express. 4: Other Fraud–Card-Absent Environment. M01 Chargeback Authorization. High-Risk (Excessive): Reaching a chargeback ratio of 1. There are over 80 unique return codes, each representing a different return type. Now, compliance cases must be submitted through Visa Resolve Online (VROL). In that way, winning one dispute may help prevent the next chargeback to come after it. 1. Most common causes for Reason Code 83. Updated Disputes/Chargeback Policy Coming April 202483: Fraudulent Transaction - Card Not Present: 85: Credit Not Processed: 86: Paid by Other Means: 90: Services Not Rendered - ATM or VisaTravel Money Transactions: 93:. Step 1: The cardholder disputes a charge. Description. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Specify the default reason code that you want the system to assign when you enter a chargeback amount. ; Resources. 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 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. All chargebacks start with a customer making a purchase in person, in an app, or online. 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. 83: Fraudulent Mail/Telephone/eCommerce Transaction. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. 4841 Canceled Recurring or Digital Goods Transactions. 3 No Authorization. At Visa they used to receive reason code 98. If your issuing bank agrees with your claim, they will contact the merchant’s bank to notify them of the disputed charge. 4 spec (Section 8. Reason Code ≠ Reason 4. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. 83: Referenced Customer Deceased: 86:Visa is planning to shake up the chargeback process with new compelling evidence rules for fraud disputes with Reason Code 10. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. That suggests that in the times when merchants. Reason Code 04. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Clerical Early Warning: Reaching a chargeback ratio of 0. The credit will then appear on the cardholder’s statement as its own distinct. Here’s how. UA05 Fraud – Chip Counterfeit Transaction. 4 chargebacks can happen in cases where merchandise sold as a name-brand item turns out to be a facsimile when inspected by a professional. 3. Protected Chargeback Reason Codes: Visa USA: Credit & Debit Cards – Authentication & Attempts. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. The Electronic Fund Transfer Act is a piece of US legislation that requires banks to provide certain information to customers regarding electronic fund transfers (EFTs). Chargeback Reason Codes Reason code are the first key to understanding the root causes . But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. Visa, MasterCard, and American Express all list compelling evidence by reason code. To take advantage of these new advice codes, merchants and their acquirers must learn to recognize the new data values and their meanings and use them. 1 • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. In the event of alleged criminal fraud or merchant error, the code returned with the transaction identifies the reason behind the chargeback, potentially exposing faults in the merchant’s processes. The sales receipt and/or date and amount of the authorization if other than the transaction date. Reason . It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. 6. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Over the last three years, so-called friendly fraud has become the number-one source of fraud as reported by merchants are forced to deal with. About Discover chargeback reason codes. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. Late Presentment - 83. The shorthand description is “Fraud—Card-Absent Environment. 3 falls under the “Authorization” category. 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. Values are: Blank: Use the draft G/L date. 8% with at least 1,000 total disputes. 100187 and ANSI X9. American Express reason code 155, Visa reason code 30, MasterCard reason code 4855, and Discover reason code 4755 are all specific reason codes for Shopify payment chargebacks. Step 2: Customer initiates the chargeback. 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. Step 2: Customer initiates the chargeback. Chargeback reason code 10. What is a reason code? 3. The shorthand description is “Insufficient Reply. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. Chargeback reason code. For example, 'R04' indicates that an invalid account number was provided. ”. The chargeback process is lengthy, time-consuming, and will always end up costing you more money than the original transaction was worth. 08. The price of Order Insight alerts varies, but is often $8-$10 per deflected chargeback. 3. Going back to our Reason Code C08 response, there are two modifiers that affect the evidence presented. ” This reason code means that the cardholder is claiming that they did not authorize or participate in a card-not-present transaction, and therefore it must be fraudulent. The most comprehensive guide to chargeback reason codes. When the transaction is fraudulent and the cardholder did not authorize the transaction this code is validated. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. A well-structured rebuttal letter should address the chargeback reason code, clearly explaining why the cardholder's dispute is not legitimate and why the funds should be returned to you. 4837: Cardholder non-authorization. Now, compliance cases go through Visa Resolve Online (VROL). 0. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Reason Codes Category 4: Processing Errors. 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. 100- 140 standards- , and will be removed in future releases. The current list of 22 Visa chargeback reason codes will be replaced with new values and grouped into four new categories of disputes: Authorization, Fraud, Processing Errors and Consumer Disputes. At Visa they used to receive reason code 98. . Availability Date: October 24th, 2021. 83 Fraud- Card Not Present Environment 85 Credit Not Processed 86 Paid by Other Means 90 Non-Receipt of Cash at ATM 96 Transaction Exceed Limited Amount DISCOVER Reason Code Description 4750 AL Airline Transaction. Visa Chargeback Reason Codes; MasterCard. 4853 – Cardholder Dispute – Goods or Services Not Provided. Terms and conditions. Chargebacks. Cardholder Disputes. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. For each reason code, a definition is Chargeback reason codes identify the general reason behind a chargeback. Description: Arbitration explanation should be provided when the reason code is 24. Let’s say you got a Visa chargeback with reason code 13. None, although there is a $0. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 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. Reason Code 02. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. An. So the company has more incentive to side with customer during cardholder disputes. Need more help? Download Reason Code Cheat Sheets Chargeback Reason Codes Visa. 14 - Invalid Card Number. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature) The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. Depending on the code, that could mean gathering proof of authorization, signed receipts, proof of delivery, email correspondence and/or the cardholder’s IP address with transaction date and time for online purchases. This code helps you identify the exact cause of the dispute. Thanks for following the Chargeback Gurus blog. This may be done by either the merchant or the issuing bank. Cost. Please note that the most common Chargeback reason code for Allocation disputes is 10. Mastercard created Mastercom to make the chargeback process run more smoothly and allow merchants to respond to certain inquiries, called retrieval requests, which precede. that so far this month China-US ocean shipments are taking an average of 73 days to arrive at their final destination, 83% longer than in September. These reason codes are an important part. 0 only applies to reason code 10. 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. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Section5. A service chargeback is filed by a customer, which means that you need to note the card type and dispute reason code so that you can determine which types of information to submit if you dispute the claim. You can learn more about each one by visiting the Mastercard Chargeback Guide. 4 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. The cardholder contacts their bank to explain the situation and ask that the bank reverse the transaction. 4846. 4. reason codes. Added the following fields - Store ID, Credit Card Chargeback Reason Code. Chargeback reason codes used to categorize fraudulent chargebacks include American Express reason code 193, Visa reason code 83, MasterCard reason code 4863, and Discover reason code 6040. Example: 25. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. With the overhaul of their reason code system, Visa divided reason. Include any terms relevant to the transaction, including return, cancellation and. 4853. Cancelled Recurring Transaction. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. 65% with at least 75 total disputes. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. In short: yes. Reason codes are meant to tell merchants why a cardholder requested a Mastercard chargeback. Visa Chargeback reason code 83 is used when there is a complaint from cardholder that he or she neither participated in transaction nor authorized it, and approval wasn’t obtained at the time of transaction. Chargeback Reason Codes In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Claims Resolution. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. This will be referenced in the chargeback notice you received. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. Retry after 8 days. F02. This category of fraudulent chargeback is represented with the following reason codes: AMEX - C08 Goods/Services Not Received or Only Partially Received. That’s 50% more time than what the major card networks allow. 65 fee for uploading scanned documents. 4 Other Fraud – Card Absent Environment 93(1) 10. Updated these MasterCard Chargeback Codes: 08, 12, 55. ”. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, and. There are multiple situations in which this can occur. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Chargeback Reason Code 83: Fraudulent Transaction – Card Not Present (44. About American Express chargeback reason codes. 5%. In simple terms, a payment dispute is simply a disagreement between a cardholder and a merchant about a charge. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. 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. #4 step: The issuer assigns a chargeback reason code. Merchants can find a. Code 10. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardChargeback Representment. By taking the action advised by Mastercard’s logic, merchants and acquirers will be more likely to receive an authorization approval. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Visa Chargeback Reason Code 83. Got a chargeback (reason code: 83) and unfortunately, I'm selling digital products that's virtual in nature, so no invoice / signed proof of shipment. ”. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. As we touched on earlier, chargebacks can happen due to technical errors. It can range from 60 to 120 days from the billing date. Chargeback amount is equal to or less than the exceeded limited /authorised amount. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Here are some chargeback reason codes by card type. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. 0 represents the first rules change of its kind that specifically provides merchants with the opportunity to reverse the fraud status applied to a transaction associated by reason code 10. Each reason code is composed of a two-, three-, or four-digit number. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. I don't know why he's firing chargeback. Retry after 10 days. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Visa chargeback reason code 85 falls under the “Consumer Disputes” category. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. There are over 80 unique return codes, and each one represents a different type of return. Gift cards are one of the most popular holiday purchases and remain in demand year round. 10. 8. S. 1003 - Transaction Supporting Document (TSD) needed for cardholder’s personal records expense reporting. There are two parts to this. 3. 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. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardChargeback Representment. 36. The bottom line: true fraud and chargeback prevention requires a more comprehensive. 2 Compliance CasesReason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Updated these Discover Chargeback Codes: RG, RM, U01, U02. region only) 4855. As a merchant, your focus should be on finding and retaining customers--not chargebacks. All ACH return reason codes consist of the letter “R” followed by two. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. 31. Visa Chargeback reason code 83 is used when there is a complaint from a cardholder that he or she neither participated in the transaction nor authorized it. 90: Services not rendered (ATM or Visa Travelmoney). Thus, the easiest way to prevent chargeback reason code 75 from being filed is. 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. The cardholder did not recognize the transaction on her statement or had her account taken by fraud. The shorthand description is “Credit Not Processed. Administrative returns (R02, R03, R04): 3%. Mastercard Chargeback Reason Code 73: Duplicate Transaction. So don’t spend another second worrying about chargebacks. Chargebacks. Search reason codes 2. ) A no-nonsense summary of evidence that proves transaction is legit. Customer Dispute. About American Express chargeback reason codes.