The reason code may not necessarily reflect the actual reason for the chargeback, but you ought to respond to it based on the provided chargeback code. Section5. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. information, including correct routing number, e. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. 3 falls under the “Authorization” category. Ethoca alerts can prevent chargebacks before they hit your bank account. For more information on these and other updates, check out our complete chargeback reason. Typical chargeback reason codes are: DA: Disputed amounts DD: Unearned (disallowed) discount amount Note. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Common reason codes Mastercard. Amex Cardmember Dispute Chargeback Reason Codes C02 — Credit Not Processed. Q. There are 151 chargeback reason codes across the four major card networks. You can see a reason code 11. There are over 80 unique return codes, and each one represents a different type of return. Visa Code # MasterCard Code # Reason. Their chargeback process differs because it is typically more straightforward. The reason_code field lists the reason code the issuing bank has assigned to the chargeback. Next, the issuer passes along all information about the dispute, including the chargeback reason code, to the card network. This reason code is used when a cardholder claims that they canceled a recurring billing transaction but were still charged. C02: No Credit Received: A credit has not been applied to cardholders account for either: goods/services. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. 800. 4: Other Fraud–Card-Absent Environment. R34:. Reason Code 04. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. The card network then notifies the merchant’s acquiring bank about the chargeback and passes along all the collected information. A Complete Listing of all American Express Chargeback Reason Codes Prohibited Business Types American Express Tools That Help Prevent Chargebacks. 265. 3 is the less common version for card-present transactions. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. Because you have not met Seller Protection performance requirements , the transaction will be reversed. In fact, 91. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. Complete Listing of Check 21 Return Codes. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. Take the time to note the following dispute reason codes for Visa. Region. A Charge is Disputed * We’ll work directly with the Card Member and try to resolve the case before reaching out to you. 4 applies to eCommerce, whereas code 10. The cardholder alleges they never received the products or services. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Any time. UA06 Fraud – Chip and PIN Transaction. Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. Updated August 23, 2023. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. On that note, below are some vendor missteps that could result in Visa reason code 13. 2. Each card network maintains reason codes to cover all the disputes that qualify for. Terms and conditions. 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. You must tailor your representment case — including the compelling evidence — to the reason code under. Reason Code 53 re-presentments must be. The reason is simple: unlike larger rivals like Visa and Mastercard, American Express serves as an issuing bank and provides payment-processing services to merchants. But, merchants should be aware that, eventually, everyone will be required to use the new designations. American Express: Reason Code C08 Goods or services. F01. Chargeback reason codes can change with new information. Visa also overhauled its system of chargeback reason codes. Mastercard Chargeback Reason Code 71: Disputed Amount. Photos, signatures, emails and other evidence that will help build your case. Chargeback reason codes. When one cardholder initiates a dispute with their issuing bank, a. Chargeback reason code. Reason Code. Question: How soon after I submit a pr enotification can I submit a live entry (debit or credit)?These chargebacks occur to resolve chargeback-related disputes between network members. Summary of Changes, 13 December 2018Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. 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. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. 4. You can learn more about each one by visiting the Mastercard Chargeback Guide. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. Note that a chargeback is a forced bank reversal that always results in additional fees and penalties for sellers, regardless of the validity of the buyer’s claim. C02: Due to merger or consolidation, a once valid transit/routing number must be changed. Fraud filters are tools you can add to your e-commerce website to prevent potentially fraudulent orders from processing in your. At Visa they used to receive reason code 98. 4 to this dispute, indicating the purchase was fraudulent in a card-not-present environment. R03 Insufficient Reply. F02. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. American Express chargeback reason code C02 falls under the “Card Member Disputes” category. Dispute Best Practices Guide Overview This guide includes:Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. We have reviewed the case. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. Specify the invoice date and net due date to assign to chargebacks. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. Card Brand Code. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. C02 – Credit Not Processed. For example, suppose a cardholder filed a case about an order processing issue, and you disputed the chargeback. However, they don’t address the reason why that chargeback was issued in the first place. This can be transaction receipts, proof of. 800. Note. The implication is that the merchant is at fault. Categories For Reason Codes. 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. Chargeback Reason Codes Page 3 of 5. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing American Express Chargebacks / Disputes. The chargeback process can last from one month to six months. 4. “Credit Not Processed,” the reason code for unreceived refunds, accounted for 12% of consumer disputes at the height of the pandemic. The merchandise was as described or was not defective. If you're contesting a chargeback, you'll need solid evidence. By entering your email, you agree to receive marketing emails from Shopify. C02 Credit not processed; C04 Goods/services returned or refused; C05 Goods/services canceled;Chargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. Fraud: Fraudulent Transaction: P08: Processing Error: Paid By Other. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. The three-character code notes the specific reason. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. Process Flow for P2M:- Issuer Banks: Can raise chargeback with reason code 1065 (If customer is expecting compensation for non-fulfilment of goods/services. Each card issuer follows their own standards for defining reason type, code and its format. CODE: DESCRIPTION: A01: Charge Amount Exceeds Authorization Amount. You can learn more about each one by visiting the Mastercard Chargeback Guide. C02: Credit Not Processed: C04: Goods/Services. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. If the merchant has a signature showing that the order was delivered, or evidence that the. Either the acquiring or issuing bank could initiate the. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. Receive the Chargeback. 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. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type of chargeback. Below are some examples of more common reason codes. This return reason code may only be used to return XCK entries. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. A notification of change (NOC) occurs when the bank sending funds notifies the bank receiving funds that some portion of the once-valid information has changed. 2. 2. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Because you have not met Seller Protection performance requirements , the transaction will be reversed. These are only a handful of common Visa chargeback reason codes. A reason code is how banks categorize the reason for a chargeback. You’re fighting Chargebacks with everything you have. com Europe. Read on for the complete guide to dealing with chargebacks. If more information is needed, you’ll either receive an Inquiry or a Chargeback. American Express Chargebacks / Disputes. American Express uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors as well as two additional. View the entire list or search for any chargeback reason code. As we touched on earlier, chargebacks can happen due to technical errors. Or contact your account manager. EMV has been a mostly global standard since 2004. It was originally just one facet. Using the same link provided above, contact PayPal to report the scam. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. Chargebacks were introduced as a form of consumer protection against. 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. )A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. Notification of Fraud. With that said, you still need to understand the reason codes with any chargebacks from Amex. 0 is to make the chargeback process more efficient, transparent, and fair. These are all the known American Express chargeback codes. 26% - the number of chargebacks that result from undelivered orders. The chargeback can be for the total transaction amount or a lesser amount. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. 10. The shorthand description is “Goods/Services Canceled. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. In most cases, you will have 20-45 days in which to respond to a chargeback. Batch chargeback process. In most cases, you will have 20-45 days in which to respond to a chargeback. Accessed October 31, 2022. • Rule changes for chargeback reason codes involving unjust enrichment associated with credits issued before or after a chargeback and/or after a second presentment. Please note that the most common Chargeback reason code for Allocation disputes is 10. 7. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. Chargeback Reason Codes / American Express / C02 – Credit Not Processed Reason Code C02 Category Cardmember Disputes DESCRIPTION Why did I receive this chargeback? The cardholder claims you were supposed to provide a refund, but a credit hasn’t been applied to the card yet. Chargeback time frames - A specific period during which a chargeback can be raised. It depends on the chargeback reason code associated with the dispute. 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. R05 – Unauthorized debit to consumer account using Corporate SEC code. 4853 – Cardholder Dispute – Goods or Services Not Provided. Discover: Reason Code 4755 Non-receipts of goods or services. Dispute Condition Description Dispute Condition Code Category Code Category Code Description; EMV Liability Shift: 10. 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. Cardholder-Activated Terminal (CAT) 3 Device. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Here are the two possible scenarios: 1. Category. Click on the Chargeback Reason Code drop-down menu, the user can change the. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. The Fintech Times. Unlike your response to other chargeback types, which is mostly determined by the particular circumstances and may require taking different actions, your response to a Reason Code 75 is quite. 3? Visa chargeback reason code 11. com. ”. This definitive guide includes that chargeback reason colors from each of the four major card networks. 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. The reason for the dispute was false or inaccurate. RuPay has categorized all the chargeback reason codes into 5 different groups as stated below. 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. 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. Implementing fraud preventing practices and going for illegal chargebacks is the best way to keep the business safe. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. The chargeback process can last from one month to six months. 103. R03 – Unable to locate account or no account. 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. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Typical chargeback reason codes are: DA: Disputed amounts. Chargeback Reason Codes. Choose the representment amount. • Return code - provides account status, e. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). AMEX CODE A08 (Chargeback) CATEGORY Authorization AMEX CODE C02 (Chargeback) CATEGORY Authorization DESCRIPTION Authorization Approval. Credit not processed. Field name: reasonCode. Take necessary steps to ensure business is fraud free, and follow strict procedures. The shorthand description is “Canceled Recurring Billing. Customer Dispute. This definitive guide includes the chargeback reason codes from each of the four major card networks. About American Express chargeback reason codes. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Aug-29-2016 05:33 AM. Common reason codes Mastercard. ” Here the cardholder is claiming that you were supposed to provide them with a refund, but no credit has been applied to their account. “Goods Not Received” also jumped to 9% of repudiated transactions as customers attempted to recoup losses for canceled flights. Amex continues to operate as both a card network and a bank. Reason codes vary by card brand. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. If the policy is on the front of the receipt, it should be near the customer signature line. 2. C18 – “No Show” or CARDeposit Cancelled. This list was generated 5/4/2022. Versions Affected: v5, v6. Contact ChargebackHelp and we can have you sleeping better at night by improving your dispute protection in very short order. 0, these guidelines guarantee merchant protections from certain categories of disputes. Documentation must be a direct result of cardholder communication. But, it could be up to 540 days, in some situations. American Express chargeback reason code C18 falls under the “Card Member Disputes” category. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. Categories for reason codes have changed over the years, especially because of the increasing number of. United States. Overall returns (all codes): 15%. There are two types of invalid chargebacks. C08 – Goods / Services Not Received or Only Partially Received. Increasing Costs and Draining Internal Resources. Pages 124 This preview shows page 90 - 93 out of 124 pages. A01 = Charge amount exceeds authorisation amount. 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. Braintree Support Articles. Both EFM and ECM measure compliance at the MID level. The shorthand description is “Credit Not Processed. All ACH return reason codes consist of the letter “R” followed by two. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. Chargeback Reason Code . The cardholder claims they were charged multiple times for a single transaction. US $10,000. Mastercard: Reason Code 4859 Service not rendered. The most comprehensive guide to chargeback reason codes. Other Fraud—Card Absent Environment. Here are a few high-level examples. Amex Dispute Codes Learn about the different chargeback reason codes and what they mean. 3: Goods or services were not received: C08: RG: 4855: 13. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. Example: 25. CODE DESCRIPTION A01 CHARGE EXCEEDS AUTHORIZATION AMOUNT A02 NO VALID. Specifically, these updates only pertain to transactions that are charged back after Oct. There is a USD 25 limit for the First Chargeback (Reason Code 22). This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. We’ll make a decision about reversing the Chargeback. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. There are several reasons why many merchants turn a blind eye to suspected return fraud. . Reason codes are alphanumeric codes that provide the justification for granting a chargeback. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—QuestionableOlder time limits for disputes vary based on reason code; in many cases buyers have 120 days after a purchase to file a chargeback. AMEX C02 Credit not Processed Cancelled/Returned by Cardholder YES YES American Express chargeback reason code C28 falls under the “Card Member Disputes” category. Late Presentment Rules: Mastercard. But cardholders and merchants have different time limits. Learn the details, the cause, how to respond and how to prevent American Express Reason Code C02 Credit Not Processed . This liability shift essentially provides merchants. Chargeback fees can start at US$25 and go up from there. Acquirer after the 3-month Workout Period, as described in “Excessive Fraud Activity Notification - U. Chargeback reason codes are an abbreviated way of offering a basic explanation for the chargeback. Reason Code C02 Category Cardmember Dispute Claim The cardholder claims the merchant was to issue a refund, but the amount hasn’t been credited to the card. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. Support; Login. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. C18 – “No Show” or CARDeposit Cancelled. Investigate suspicious orders. Automated Clearing House return codes, reasons, and details. ”. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. The shorthand description is "'No Show’ or CARDeposit Canceled. Chargeback. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. 6: Duplicate processing/Paid by other means. Request for Information. 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. Multiple Authorization Requests. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. 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. 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. The charge you submitted did not receive a valid authorization approval code for the amount of the. Chargeback Reason Coded by Network - 2023 Guide. In particular, one of. Nevertheless, you must respond to the chargeback based on the given code. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. FAQ: What is Chargeback. g. C02 Incorrect routing/transit number (visible in the SSR eCheck NOC report). About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. American Express . ) A no-nonsense summary of evidence that proves transaction is legit. Additionally, Amex uses a fifth "Miscellaneous" category. 5 Visa Fraud Monitoring Program. ”. 2. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. This definitive guide comes that chargeback reason codes from jeder of of four majority card networks. Aug-29-2016 05:33 AM. NACHA Return Codes. The following are some examples: Visa Reason Code 13. You’re fighting Chargebacks with everything you have. Here are the two possible scenarios: 1. C04 = Goods/Services returned or refused. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. 4846 — Incorrect Currency Code. A chargeback reason code is a number that helps to inform a hotel why a chargeback was filed. The good news is that most of these invalid claims are disputable by the merchant. This ranges anywhere from roughly 60 to 90 days after purchase. Knowing these codes is vital for merchants to understand the reason for chargebacks and how to manage them. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. A02. Values are: Blank: Use the receipt G/L date. 800. R03 – Unable to locate account or no account. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing. Effective for Transactions completed on or after 15 April 2016, A Transaction for which Authorization was obtained after a Decline Response was received for the same purchase. C04 — Goods/Services Returned or Refused. A “No Authorization” code chargeback can also be the. 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. Each reason code has certain standards of proof and evidence associated with it that determine whether the chargeback is valid or not. 2. R01 – Insufficient funds. There are plenty of reasons as to why this would happen, hence the many. Chargeback Code Authorization Errors; A01: Charge Amount Exceeds Authorization Amount: A02: No Valid Authorization: A08: Authorization Approval Expired:. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. 2. There is a USD 25 limit for the First Chargeback (Reason Code 22). This means that the cardholder is claiming that they canceled their order for the merchant’s goods or services, but the merchant did not provide a refund. The existing 22 chargeback reason codes will be replaced by new reason codes and grouped into 4 categories: 1. 2 – EMV Liability Shift Non-Counterfeit Fraud. But cardholders and merchants have different time limits. 1 Chargeback reason codes There are no common chargeback reason codes in the industry; instead, each card network defines its own reason codes. Solutions. The chargeback system was designed as a last resort; only to be used in specific situations. C28 – Cancelled Recurring Billing. Assemble Your Evidence. About American Express chargeback reason codes. Check the chargeback reason code. Download this sample Chargeback Rebuttal Letter. For a brief overview of chargeback reason codes, refer to the table below. What is a chargeback? Learn about chargebacks and find valuable tips and information on retrieval requests and prevention at WellsFargo. Please refer NPCI OC- 93 for details. You’ll put that reason code, the transaction amount and authorization number, and state that the. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. 2022 Visa Chargeback. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. RDFI, at its discretion, returns an XCK entry. C08 – Goods / Services Not Received or Only Partially Received. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Be sure to send your supporting . [1] Sift. Banks, however, categorize chargebacks or disputes depending on the card used when a chargeback occurs. The client will send this dispute to Paymentology’s Global support team via email – [email protected] reason codes are an abbreviated way of offering a basic explanation for the chargeback. Based on the information provided, Paymentology will investigate the transaction being disputed. DD: Unearned (disallowed) discount amount. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. EMV Liability Shift Counterfeit Fraud. 4 Other Fraud Card Absent. The claim often, but not always, involves automated teller machines (ATMs). A reason code or a chargeback reason code is a string of symbols (numbers and letters). Improve chargeback-resolution time. Provide Explanation Give a clear overview of the documents you’re submitting, address the specific dispute reason, provide any changes made to the original purchase/agreement and explain the steps you’ve taken to resolve the dispute. Subsection5.