There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. See the list of reason codes below:

Card Network Category Code Description
Visa Fraud 10.1 EMV Liability Shift Counterfeit Fraud
Visa Fraud 10.2 EMV Liability Shift Non-Counterfeit Fraud
Visa Fraud 10.3 Other Fraud — Card Present Environment
Visa Fraud 10.4 Other Fraud — Card Absent Environment
Visa Fraud 10.5 Visa Fraud Monitoring Program
Visa Authorization 11.1 Card Recovery Bulletin
Visa Authorization 11.2 Declined Authorization
Visa Authorization 11.3 No Authorization
Visa Processing Errors 12.1 Late Presentment
Visa Processing Errors 12.2 Incorrect Transaction Code
Visa Processing Errors 12.3 Incorrect Currency
Visa Processing Errors 12.4 Incorrect Account Number
Visa Processing Errors 12.5 Incorrect Amount
Visa Processing Errors 12.6.1 Duplicate Processing
Visa Processing Errors 12.6.2 Paid by Other Means
Visa Processing Errors 12.7 Invalid Data
Visa Consumer Disputes 13.1 Merchandise/Services Not Received
Visa Consumer Disputes 13.2 Cancelled Recurring
Visa Consumer Disputes 13.3 Not as Described or Defective Merchandise/Services
Visa Consumer Disputes 13.4 Counterfeit Merchandise
Visa Consumer Disputes 13.5 Misrepresentation
Visa Consumer Disputes 13.6 Credit Not Processed
Visa Consumer Disputes 13.7 Cancelled Merchandise/Services
Visa Consumer Disputes 13.8 Original Credit Transaction Not Accepted
Visa Consumer Disputes 13.9 Non-Receipt of Cash or Load Transaction Value
Mastercard Authorization 4808 Warning Bulletin File
Mastercard Authorization 4808 Authorization-Related Chargeback
Mastercard Authorization 4808 Account Number Not on File
Mastercard Authorization 4808 Required Authorization Not Obtained
Mastercard Authorization 4808 Expired Chargeback Protection Period
Mastercard Authorization 4808 Multiple Authorization Requests
Mastercard Authorization 4808 Cardholder-Activated Terminal (CAT) 3 Device
Mastercard Point of Interaction Error 4834 Point of Interaction Error
Mastercard Point of Interaction Error 4834 Transaction Amount Differs
Mastercard Point of Interaction Error 4834 Late Presentment
Mastercard Point of Interaction Error 4834 Point-of-Interaction Currency Conversion
Mastercard Point of Interaction Error 4834 Duplication/Paid by Other Means
Mastercard Point of Interaction Error 4834 ATM Disputes
Mastercard Point of Interaction Error 4834 Loss, Theft, or Damages
Mastercard Fraud 4837 No Cardholder Authorization
Mastercard Fraud 4849 Questionable Merchant Activity
Mastercard Fraud 4870 EMV Chip Liability Shift
Mastercard Fraud 4871 EMV Chip/PIN Liability Shift
Mastercard Cardholder Disputes 4853 Cardholder Dispute of a Recurring Transaction
Mastercard Cardholder Disputes 4853 Goods or Services Not Provided
Mastercard Cardholder Disputes 4853 No-Show Hotel Charge
Mastercard Cardholder Disputes 4853 Addendum Dispute
Mastercard Cardholder Disputes 4853 Credit Not Processed
Mastercard Cardholder Disputes 4853 Goods/Services not as Described or Defective
Mastercard Cardholder Disputes 4853 Digital Goods $25 or less
Mastercard Cardholder Disputes 4853 Counterfeit Goods
Mastercard Cardholder Disputes 4853 Transaction Did Not Complete
Mastercard Cardholder Disputes 4853 Credit Posted as a Purchase
Mastercard Cardholder Disputes 4854 Cardholder Dispute Not Classified Elsewhere
Mastercard Other 4850 Installment Billing Dispute (Participating Countries Only)
Mastercard Other 4999 Domestic Chargeback Dispute (Europe Region Only)
American Express Authorization A01 Charge Amount Exceeds Authorization Amount
American Express Authorization A02 No Valid Authorization
American Express Authorization A08 Authorization Approval Expired
American Express Fraud F10 Missing Imprint
American Express Fraud F14 Missing Signature
American Express Fraud F24 No Card Member Authorization
American Express Fraud F29 Card Not Present
American Express Fraud F30 EMV Counterfeit
American Express Fraud F31 EMV Lost/Stolen/Non-Received
American Express Card Member Dispute C02 Credit Not Processed
American Express Card Member Dispute C04 Goods/Services Returned or Refused
American Express Card Member Dispute C05 Goods/Services Cancelled
American Express Card Member Dispute C08 Goods/Services Not Received
American Express Card Member Dispute C14 Paid by Other Means
American Express Card Member Dispute C18 “No Show” or CARDeposit Cancelled
American Express Card Member Dispute C28 Cancelled Recurring Billing
American Express Card Member Dispute C31 Goods/Services Not as Described
American Express Card Member Dispute C32 Goods/Services Damaged or Defective
American Express Processing Error P01 Unassigned Card Number
American Express Processing Error P03 Credit Processed as Charge
American Express Processing Error P04 Charge Processed as Credit
American Express Processing Error P05 Incorrect Charge Amount
American Express Processing Error P07 Late Submission
American Express Processing Error P08 Duplicate Charge
American Express Processing Error P22 Non-Matching Card Number
American Express Processing Error P23 Currency Discrepancy
American Express Inquiry/Miscellaneous R03 Insufficient Reply
American Express Inquiry/Miscellaneous R13 No Reply
American Express Inquiry/Miscellaneous M01 Chargeback Authorization
American Express Inquiry/Miscellaneous M10 Vehicle Rental - Capital Damages
American Express Inquiry/Miscellaneous M49 Vehicle Rental - Theft or Loss of Use
American Express Inquiry/Miscellaneous FR2 Fraud Full Recourse Program
American Express Inquiry/Miscellaneous FR4 Immediate Chargeback Program
American Express Inquiry/Miscellaneous FR6 Partial Immediate Chargeback Program
Discover Fraud UA01 Fraud – Card Present Transaction
Discover Fraud UA02 Fraud – Card Not Present Transaction
Discover Fraud UA05 Fraud – Chip Counterfeit Transaction
Discover Fraud UA06 Fraud – Chip and PIN Transaction
Discover Fraud UA10 Request Transaction Receipt (swiped card transactions)
Discover Fraud UA11 Cardholder Claims Fraud (swiped transaction, no signature)
Discover Authorization NA No Authorization
Discover Authorization DA Declined Authorization
Discover Authorization AT Authorization Non-Compliance
Discover Authorization EX Expired Card
Discover Processing Errors IN Invalid Card Number
Discover Processing Errors LP Late Presentation
Discover Services 5 Good Faith Investigation
Discover Services AA Does Not Recognize
Discover Services AP Recurring Payments
Discover Services AW Altered Amount
Discover Services CD Credit/Debit Posted Incorrectly
Discover Services DP Duplicate Processing
Discover Services IC Illegible Sales Data
Discover Services NF Non-Receipt of Cash from ATM
Discover Services PM Paid by Other Means
Discover Services RG Non-Receipt of Goods, Services, or Cash
Discover Services RM Cardholder Disputes Quality of Goods or Services
Discover Services RN2 Credit Not Processed
Discover Other DC Dispute Compliance
Discover Other NC Not Classified

 

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