Chargeback Reason Codes

The Visa chargeback reason code 12.7 covers chargebacks that occur because of incorrect transaction data.

The Visa chargeback reason code 14.1 indicates fraudulent multiple transactions where a cardholder claims multiple unauthorized transactions.

The chargeback reason code 10.5 is used for chargebacks where an issuer disputes a transaction.

The Visa chargeback reason code 13.7 indicates a chargeback for returned merchandise or canceled services yet to be credited.

Chargebacks involving cardholder claims of not receiving services or goods paid for fall under Visa reason code 13.1.

The Visa chargeback reason code 10.4 applies to transactions conducted without physical card swiping or entry.

The Visa chargeback reason code 13.8 refers to chargebacks on transactions that were intended as original credit transactions.

The Visa chargeback reason code 12.3 refers to incorrect currency processing.

The chargeback reason code 11.3 represents chargebacks caused by unauthorized transactions.

The Visa chargeback reason code 12.1 refers to the late presentment of a transaction.

The Visa chargeback reason code 12.2 refers to transactions that were submitted with the wrong transaction codes.

The reason code 12.6 is used for chargebacks that involve multiple processing of the same transaction.

This chargeback reason code occurs when a customer disputes a recurring transaction.

The chargeback reason code 12.4 indicates a processing error where an incorrect account number is used for a transaction.

The chargeback reason code 11.2 represents chargebacks on transactions where authorization was declined.

This reason code 12.5 applies when a cardholder claims the transaction amount is incorrect.

The Visa chargeback reason code 13.6 occurs on chargebacks where the cardholder claimed credit or a voided transaction receipt was not processed.

The Visa chargeback reason code 13.5 occurs when there is a misrepresentation claim in the terms of sales.

The Visa chargeback reason code 13.3 indicates a consumer dispute with the merchandise or delivery.

Visa chargeback reason code 10.3 falls under the fraud category for physical card keying or processing at unattended terminals.

The Visa chargeback reason code 13.4 occurs when your merchandise has been identified as counterfeit.

This chargeback reason code covers fraud-related chargebacks where the cardholder denies authorizing a transaction you processed.

The Visa chargeback reason code 10.1 is used in fraud-related chargebacks where the cardholder disputes a transaction as never authorized.

The Mastercard chargeback reason code 4840 refers to the fraudulent processing of transactions.

How easy is saying, “I don’t recognize this transaction”?

The Mastercard chargeback reason code 4857 covers card transactions activated through the telephone.

Purchases are not the only things that can bring chargebacks your way.

This Mastercard chargeback reason code is associated with transactions the cardholder claims they didn't authorize, which can sometimes be a result of fraud or potential mistakes by the merchant.

Mastercard’s chargeback reason code 4834 covers several scenarios.

The Mastercard chargeback reason code 4855 represents cardholder disputes and is used when a cardholder denies receiving the purchased goods or services.

Did you just receive a chargeback under the reason code 4808?

Cardholders or buyers can step up to deny authorizing an online (card-not-present) transaction.

This chargeback applies to merchants who deal with installment-based products or services.

The Mastercard chargeback reason code 4846 is a point-of-interaction error arising from currency conversion or use.

The Mastercard chargeback reason code 4835 refers to transactions that occurred without due authorization.

Merchants must present all transactions for appropriate processing within the allocated timeframe.

Cardholders may dispute transactions involving payment for goods or services.

The Mastercard chargeback reason code 4812 refers to a transaction where the account number is not on file.

The Mastercard chargeback reason code 4841 is a cardholder dispute for canceled recurring or digital goods transactions.

This chargeback reason code represents chargebacks that occur when a cardholder files a claim for not receiving a refund.

The Mastercard chargeback reason code 4854 refers to cardholder disputes where the cardholder claims their demands were unmet.

The Mastercard chargeback reason code 4831 refers to disputes where the cardholder claims the final transaction amount differs.

Issuers can request sales data or receipts to validate your transactions.

Cardholders can dispute transactions, leading to chargebacks.

The chargeback reason code AA applies to chargebacks where the cardholder does not recognize a transaction.

The Discover chargeback reason code IN indicates chargebacks involving unassigned, invalid, or incorrect card numbers.

The chargeback reason code NA applies to unauthorized transactions.

This chargeback reason code applies when a cardholder claims that the goods and services paid for were not received.

The Discover chargeback reason code CD indicates a transaction that should’ve been a credit payment from the cardholder's perspective.

Discover chargeback reason code UA02 applies to disputed transactions where the cardholder claims they never provided authorization.

Cardholders will always compare the merchandise delivered with what they saw at the store or the e-commerce site.

The Discover chargeback reason code DP indicates chargebacks on duplicate transactions.

The Discover Network chargeback reason code NM applies to cardholder disputes involving non-receipt of your merchandise.

This chargeback reason code applies mostly to ATM withdrawals where the cardholder claims to have received half or none of the cash.

The Discover chargeback reason code DA indicates a chargeback on a failed transaction where the authorization request was declined.

The Discover Network chargeback reason code LP represents processing errors that involve transactions that were completed outside the deadline.

Discover cardholders can dispute unauthorized or cancelled recurring billing, resulting in chargebacks with the reason code AP.

The Discover chargeback reason code EX applies to transactions involving expired cards.

The Discover chargeback reason code means that you submitted a different transaction amount for authorization than the one posted.

Cardholders can request online and offline services, pay for them, and expect delivery on the agreed date.

The Discover chargeback reason code CP is used for chargebacks where the underlying cause cannot be classified under other reason codes.

The Discover chargeback reason code IC represents chargebacks involving unreadable sales documents.

The American Express chargeback reason code R03 indicates that your reply to an inquiry was insufficient to address the dispute.

The American Express chargeback reason code R13 indicates chargebacks where you did not reply to AmEx’s inquiry.

The AmEx chargeback reason code C05 indicates disputes regarding canceled goods or services.

The American Express chargeback reason code C02 represents credits that were not processed when due.

The American Express chargeback reason code C32 indicates customer disputes involving goods or services that arrived or were delivered damaged or defective.

Merchants typically submit authorized transactions quickly for the issuer to process payment immediately.

Online and even offline (in-store) transactions are prone to fraud, although fraudsters often prefer online purchases.

Chargebacks do not portray your business in a good light; hence, you must avoid them.

The AmEx chargeback reason code C18 deals with cardholder complaints about canceling a lodging reservation but not receiving the refund.

American Express uses the chargeback reason code C04 to denote chargebacks that involve returned or refused goods that were not refunded.

International sales have their perks and drawbacks, which local merchants supplying local customers often have no worries about.

Issuers, including American Express, have different fraud monitoring programs to deter fraudulent transactions and promote customer trust.

The American Express chargeback reason code P08 indicates processing errors that involve duplicate transactions.

The American Express chargeback reason code F31 covers transactions on lost or stolen EMV chip-and-PIN-enabled cards.

The American Express chargeback reason code C31 indicates cardholder disputes involving goods and services that differ from the original description.

Skimming or credit card cloning is one-way fraudsters use to make unauthorized transactions on a cardholder’s account.

The AmEx chargeback reason code C08 covers card member disputes and occurs in chargebacks when goods or services are not received.

The American Express chargeback reason code C28 indicates that the cardholder canceled recurring billing but was still charged.