Chargeback Reason Codes

Learn the true meaning of the different chargeback reason codes

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General Information about Reason Codes

Reason codes are essential annotations used by credit card companies, banks, and other financial institutions. They explain why transactions don't go through, why chargebacks happen, or why payments are adjusted. Think of reason codes as quick, standardized notes that clarify the cause of these financial adjustments‚ÄĒanything from suspected fraud to a simple typo. Getting a handle on these codes is key for any business handling transactions. They shed light on transaction disputes and guide strategies to prevent future issues. By managing these codes well, businesses can boost customer satisfaction, cut down on chargebacks, and streamline payment processing. Learning about common reason codes helps merchants quickly tackle and resolve disputes, keeping their revenue healthy.

What is a Reason Code?

A reason code could be a number or a mix of letters and numbers that credit card networks or banks use to pinpoint why a transaction was declined, a chargeback filed, or a payment adjusted. Each code stands for a specific issue‚ÄĒmaybe there weren't enough funds, there was suspected fraud, or a processing error occurred. These codes are crucial not just for resolving payment disputes but also for analytics and reporting in financial operations. Knowing these codes helps businesses apply the right fixes, ensuring they stick to card network rules and improve their transaction success rates.

Navigating Reason Codes Across Major Card Networks

Understanding the reason codes across top card networks like Visa, Mastercard, American Express, and Discover is vital for effective dispute management. Each network uses its own unique system designed for specific transaction issues, which significantly affects how businesses handle disputes and chargebacks.

By deeply understanding these systems, businesses are equipped to manage and prevent chargebacks effectively. Using advanced analytics and tailored strategies not only improves understanding and adapts procedures but also safeguards revenue, ensuring compliance and boosting customer satisfaction.

Visa

Visa categorizes its reason codes into areas like processing errors, authorization errors, fraud, and customer disputes as part of its Visa Claims Resolution initiative. This organization helps merchants quickly spot and address disputes.

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Visa Code List

12.7

Visa Chargeback Reason Code 12.7: Invalid Data

What is 12.7 reason code?

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

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14.1

Visa Chargeback Reason Code 14.1: Fraudulent Multiple Transactions

What is 14.1 reason code?

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

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10.5

Visa Chargeback Reason Code 10.5: Visa Fraud Monitoring Program

What is 10.5 reason code?

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

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13.7

Visa Chargeback Reason Code 13.7: Canceled Merchandise/Services

What is 13.7 reason code?

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

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13.1

Visa Chargeback Reason Code 13.1: Merchandise/Services Not Received

What is 13.1 reason code?

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

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10.4

Visa Chargeback Reason Code 10.4: Other Fraud: Card-Absent Environment

What is 10.4 reason code?

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

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13.8

Visa Chargeback Reason Code 13.8: Original Credit Transaction Not Accepted

What is 13.8 reason code?

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

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12.3

Visa Chargeback Reason Code 12.3: Incorrect Currency

What is 12.3 reason code?

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

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11.3

Visa Chargeback Reason Code 11.3: No Authorization

What is 11.3 reason code?

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

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12.1

Visa Chargeback Reason Code 12.1: Late Presentment

What is 12.1 reason code?

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

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12.2

Visa Chargeback Reason Code 12.2: Incorrect Transaction Code

What is 12.2 reason code?

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

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12.6

Visa Chargeback Reason Code 12.6: Duplicate Processing

What is 12.6 reason code?

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

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13.2

Visa Chargeback Reason Code 13.2: Cancelled Recurring

What is 13.2 reason code?

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

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12.4

Visa Chargeback Reason Code 12.4: Incorrect Account Number

What is 12.4 reason code?

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

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11.2

Visa Chargeback Reason Code 11.2: Declined Authorization

What is 11.2 reason code?

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

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12.5

Visa Chargeback Reason Code 12.5: Incorrect Amount

What is 12.5 reason code?

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

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13.6

Visa Chargeback Reason Code 13.6: Credit Not Processed

What is 13.6 reason code?

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

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13.5

Visa Chargeback Reason Code 13.5: Misrepresentation

What is 13.5 reason code?

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

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13.3

Visa Chargeback Reason Code 13.3: Not as Described or Defective Merchandise/Services

What is 13.3 reason code?

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

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10.3

Visa Chargeback Reason Code 10.3: Other Fraud: Card-Present Environment/Condition

What is 10.3 reason code?

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

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13.4

Visa Chargeback Reason Code 13.4: Counterfeit Merchandise

What is 13.4 reason code?

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

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10.2

Visa Chargeback Reason Code 10.2: EMV Liability Shift Non-Counterfeit Fraud

What is 10.2 reason code?

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

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10.1

Visa Chargeback Reason Code 10.1: EMV Liability Shift Counterfeit Fraud

What is 10.1 reason code?

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

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Mastercard

Mastercard’s reason codes, starting with '48XX', address a wide range of issues from basic mistakes to complex fraud scenarios. The system was streamlined in 2016 to improve how merchants respond.

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Mastercard Code List

4840

Mastercard Chargeback Reason Code 4840: Fraudulent Processing of Transactions

What is 4840 reason code?

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

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4863

Mastercard Chargeback Reason Code 4863: Cardholder Does Not Recognize - Potential Fraud

What is 4863 reason code?

How easy is saying, ‚ÄúI don‚Äôt recognize this transaction‚ÄĚ?

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4857

Mastercard Chargeback Reason Code 4857: Card Activated Telephone Transaction

What is 4857 reason code?

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

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4859

Mastercard Chargeback Reason Code 4859: Addendum, No-show, or ATM Disputes

What is 4859 reason code?

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

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4837

Mastercard Chargeback Reason Code 4837: No Cardholder Authorization

What is 4837 reason code?

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.

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4834

Mastercard Chargeback Reason Code 4834: Point of Interaction Error

What is 4834 reason code?

Mastercard’s chargeback reason code 4834 covers several scenarios.

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4855

Mastercard Chargeback Reason Code 4855: Goods or Services Not Provided

What is 4855 reason code?

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

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4808

Mastercard Chargeback Reason Code 4808: Requested/Required Authorization Not Obtained

What is 4808 reason code?

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

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4847

Mastercard Chargeback Reason Code 4847: Requested/Required Authorization Not Obtained

What is 4847 reason code?

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

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4850

Mastercard Chargeback Reason Code 4850: Installment Billing Dispute

What is 4850 reason code?

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

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4846

Mastercard Chargeback Reason Code 4846: Correct Transaction Currency Code Not Provided

What is 4846 reason code?

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

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4835

Mastercard Chargeback Reason Code 4835: Cardholder Not Authorized/Transaction Not Authorized

What is 4835 reason code?

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

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4842

Mastercard Chargeback Reason Code 4842: Late Presentment

What is 4842 reason code?

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

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4853

Mastercard Chargeback Reason Code 4853: Cardholder Dispute

What is 4853 reason code?

Cardholders may dispute transactions involving payment for goods or services.

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4812

Mastercard Chargeback Reason Code 4812: Account Number Not On File

What is 4812 reason code?

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

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4841

Mastercard Chargeback Reason Code 4841: Canceled Recurring or Digital Goods Transaction

What is 4841 reason code?

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

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4860

Mastercard Chargeback Reason Code 4860: Credit Not Processed

What is 4860 reason code?

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

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4854

Mastercard Chargeback Reason Code 4854: Cardholder Dispute - Not Elsewhere Classified (NEC)

What is 4854 reason code?

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

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4831

Mastercard Chargeback Reason Code 4831: Transaction Amount Differ

What is 4831 reason code?

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

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4802

Mastercard Chargeback Reason Code 4802: Requested/Required Information Illegible or Missing

What is 4802 reason code?

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

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4801

Mastercard Chargeback Reason Code 4801: Requested Transaction Data Not Received

What is 4801 reason code?

Cardholders can dispute transactions, leading to chargebacks.

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Discover

Discover uses an alphabetical system for its reason codes, like 'DP' for duplicate processing and 'RM' for quality issues. This clear categorization assists merchants in resolving disputes swiftly.

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Discover Code List

AA

Discover Chargeback Reason Code AA: Does Not Recognize

What is AA reason code?

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

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IN

Discover Chargeback Reason Code IN: Invalid Card Number

What is IN reason code?

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

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NA

Discover Chargeback Reason Code NA: No Authorization

What is NA reason code?

The chargeback reason code NA applies to unauthorized transactions.

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RG

Discover Chargeback Reason Code RG: Non-receipt of Recurring Goods or Services

What is RG reason code?

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

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CD

Discover Chargeback Reason Code CD: Credit/Debit Posted Incorrectly

What is CD reason code?

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

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UA

Discover Chargeback Reason Code UA02: Fraud: Card Not Present Transaction

What is UA reason code?

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

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NR

Discover Chargeback Reason Code NR: Not as Described or Defective Merchandise

What is NR reason code?

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

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DP

Discover Chargeback Reason Code DP: Duplicate Processing

What is DP reason code?

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

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NM

Discover Chargeback Reason Code NM: Non-receipt of Merchandise

What is NM reason code?

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

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RN

Discover Chargeback Reason Code RN: Non-receipt of Cash/Load Transaction Receipt

What is RN reason code?

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

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DA

Discover Chargeback Reason Code DA: Declined Authorization

What is DA reason code?

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

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LP

Discover Chargeback Reason Code LP: Late Presentation

What is LP reason code?

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

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AP

Discover Chargeback Reason Code AP: Cancelled Recurring Transaction

What is AP reason code?

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

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EX

Discover Chargeback Reason Code EX: Expired Card

What is EX reason code?

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

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AW

Discover Chargeback Reason Code AW: Altered Amount

What is AW reason code?

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

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SV

Discover Chargeback Reason Code SV: Services Not Rendered

What is SV reason code?

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

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CNP

Discover Chargeback Reason Code CP: Not Classified

What is CNP reason code?

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

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IC

Discover Chargeback Reason Code IC: Illegible Sales Data

What is IC reason code?

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

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American Express

Similar to Visa but with an added 'Miscellaneous' category, American Express uses both letters and numbers to clearly outline specific disputes, aiding in effective management and resolution.

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American Express Code List

R03

American Express Chargeback Reason Code R03: Insufficient Reply

What is R03 reason code?

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

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R13

American Express Chargeback Reason Code R13: No Reply

What is R13 reason code?

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

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C05

American Express Chargeback Reason Code C05: Goods/Services Canceled

What is C05 reason code?

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

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C02

American Express Chargeback Reason Code C02: Credit (or Partial Credit) Not Processed

What is C02 reason code?

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

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C32

American Express Chargeback Reason Code C32: Goods/Services Damaged or Defective

What is C32 reason code?

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

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P07

American Express Chargeback Reason Code P07: Late Submission

What is P07 reason code?

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

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F29

American Express Chargeback Reason Code F29: Card Not Present

What is F29 reason code?

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

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FR6

American Express Chargeback Reason Code FR6: Partial Immediate Chargeback Program

What is FR6 reason code?

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

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C18

American Express Chargeback Reason Code C18: ‚ÄúNo Show‚ÄĚ or CARDeposit Canceled

What is C18 reason code?

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

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C04

American Express Chargeback Reason Code C04: Goods/Services Returned or Refused

What is C04 reason code?

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

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P23

American Express Chargeback Reason Code P23: Currency Discrepancy

What is P23 reason code?

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

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FR2

American Express Chargeback Reason Code FR2: Fraud Full Recourse Program

What is FR2 reason code?

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

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P08

American Express Chargeback Reason Code P08: Duplicate Charge

What is P08 reason code?

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

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F31

American Express Chargeback Reason Code F31: EMV Lost/Stolen/Non-Received

What is F31 reason code?

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

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C31

American Express Chargeback Reason Code C31: Goods/Services Not as Described

What is C31 reason code?

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

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F30

American Express Chargeback Reason Code F30: EMV Counterfeit

What is F30 reason code?

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

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C08

American Express Chargeback Reason Code C08: Goods/Services Not Received

What is C08 reason code?

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

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C28

American Express Chargeback Reason Code C28: Cancelled Recurring Billing

What is C28 reason code?

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

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