2. Additionally, Amex uses a fifth "Miscellaneous" category. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. Here are a few high-level examples. The other member could accept the chargeback or contest it, escalating the dispute to compliance where Visa adjudicates. Terms and conditions. Page 1 Chargeback Reason Codes. However, Visa is the largest card brand in both the United States and the world. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. Written to Chargeback Gurus. It is associated with a chargeback reason code, and it is specific per Card Scheme. F02. What are Chargeback Reason Codes? Chargeback reason codes are issued by the bank when a customer files for a chargeback. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. Specifically, these updates only pertain to transactions that are charged back after Oct. The new reason codes follow a format of two digits, a period, then a third digit. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Blog additionally Articles; Success Stories; Chargeback Reason Keys; BIN Look-up; eGuides and Reports;. There are over 80 unique return codes, each representing a different return type. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. Products. Different card networks have different reason code systems. Supporting Documents You could potentially reverse a Chargeback by providing the necessary supporting 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 date of. All online retailers have to deal with at least some false positives. e above 0. . Codes are not often shared between issuers which means it can be difficult to remember the details of each. 4: Fraud—Card-Absent Environment. Updated the following columns - card type, response due date. Common reason codes Mastercard. “Visa has 28 different reason codes. What are Chargeback Reason Codes? Chargeback reason codes are issued by the bank when a customer files for a chargeback. Chargeback Reason Codes by Network - 2023 Guide. 1: goods not received. 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. It’s not unusual for a customer to ask you for a refund. 4 to this dispute, indicating the purchase was fraudulent in a card-not-present environment. Shopify has four status categories for chargebacks and inquiries: Open: No response has been sent yet and evidence can still be added. FR2 FR4 FR6 M01 M10 P01 P03 P04 P05 P07 P08 P22 P23 R03 R13 Select a code to see the details QUICK REFERENCE Time to respond: 20 days from date of chargeback. The charge was flagged by the Amex Fraud Full Recourse Program. Like definitive guide involves the chargeback reason laws upon each of the four major cards networks. Chargeback Reason Codes by Network - 2023 Guide. UA05 Fraud – Chip Counterfeit Transaction. FAQ: What remains Chargeback Representment? TIPS. The incorrect amount being charged. 3. 634. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Card networks send these codes to merchants to indicate. chargeback management with an easy to use online system. Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. To start a chargeback process on your AmEx card, follow these steps: Get in touch with American Express by logging into your account. Discover uses unique codes to explain those reasons to merchants. Card Brand Code Description. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. The system does not accept Blank as a value, even if it is defined in the UDC table. When you receive a chargeback request, respond promptly with any relevant information or evidence that supports your case. Visa also overhauled its system of chargeback reason codes. 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. Typical chargeback reason codes are: DA: Disputed amounts. Nothing immediately identifies a chargeback as being the result of first-party misuse. 4846. The card provider then processes this information and determines the. Reason Code 53: Not as Described or Defective Merchandise. See full list on chargebackgurus. This chargeback occurs when merchants do not adequately provide currency information. It also has a multiplier effect that extends damages well beyond the amount of the disputed charge in question. Every dollar disputed represents a loss to the merchant of $3. If the dispute involves a non-Visa card, the dispute can be paused for up to 72 hours for the merchant to respond. Across open networks and include account numbers sent over email, instant messaging, text, or chat. Chargeback reason code 11. pdf - Free download as PDF File (. ”. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. 3: Goods or services were not received: C08: RG: 4855: 13. Jan 2020_Chargeback Reason Code Encyclopedia - Free download as PDF File (. Reason Code. These codes are broken down into five different category. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. 4763: FR2: Full recourse: A cardholder is claiming that they did not authorise or participate in a transaction that you. Both EFM and ECM measure compliance at the MID level. Amex Fraud Chargeback Reason Codes FR2 — Fraud Full Recourse Program. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. “It’s a lot tougher with Mastercard because they only use four main codes. Products. 0 initiative to update compelling evidence requirements for dispute reason code 10. In short, chargebacks are costly. By entering your email, you agree to receive marketing emails from Shopify. Scenario 1 — upfront chargeback. 2 Compliance CasesOn xx/xx/xxxx, we received a chargeback under the reason code 11. Once you know why a chargeback happened, you can start building a case to address the claims that were made. Submitted: The response has been sent and the issuer is. You can learn more about each one by visiting the Mastercard Chargeback Guide. Card Type. Reason Code 04. The tickets were held at the box office, and no signature, swipe or imprint. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. If a criminal manages to defeat the technology and complete an online. The merchant dutifully refunds the charge, unaware that the cardholder plans to dispute the charge and get their money back twice. © 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. A code that identifies the reason that the write-off occurred. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback reason codes and categories specified below. pdf - Free download as PDF File (. Know Which “Compelling Evidence” Is Required. Chargeback Reason Code. 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 is validThe nature of the threat makes it a moving target. Reason Codes Category 4: Processing Errors. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. Non-Receipt of Merchandise. Chargeback Reason Codes by Network - 2023 Guide. Discover. Availability Date: October 24th, 2021. Each card network maintains reason codes to cover all the disputes that qualify for. F01. See the list of reason codes below: Card Network. 0. FR2 Fraud. Check out these codes under their fraud category. Visa chargeback reason codes are used to categorize the reasons for a chargeback. This includes: Chargeback ratio. But why do they happen? 4 common types of hotel chargebacks. Reason. Fraudulent Transaction. April 2018_Chargeback Reason Code Encyclopedia. FR2 PreArbitration S01 R13 nc P08 R12 sv M01 P17 R21 Curr. This list can provide you with a brief detail on the reasons for chargebacks. You must designate the write-off reason code for the system to use when you activate the automatic write-off feature. Chargeback Base Codes by Network - 2023 Guide. Each chargeback is disputed by a specific reason code. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. Each bank card network has its owner list of reason codes banks must prefer from. Oftentimes, the reason code assignment is based on limited knowledge and insight. 3. What are reason codes?. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Reason code encyclopedia Your comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. This will be referenced in the chargeback notice you received. This can be transaction receipts, proof of. FR2: Fraud Full Recourse Program: Inquiry/Miscellaneous: FR4: Immediate Chargeback Program: Inquiry/Miscellaneous: FR6:. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)See the definitions of the various chargeback codes you maybe receive during the chargeback process. Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program”, are excluded from program monitoring. 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. 2. US/Canada Chargeback reason code. Typical reason codes are: BD: Bad debt DC: Damaged goodsWith an eCommerce transaction, 3-D Secure technology works like an online PIN code. Blog and Featured; Success Stories; Chargeback Reasoning Codes; BIN Look-up; eGuides and Reports;. “Credit Not Processed,” the reason code for unreceived refunds, accounted for 12% of consumer disputes at the height of the pandemic. A08 Authorization Approval Expired. Batch chargeback process. 1 Page 4 of 5 Chargeback Reason Codes. Cancelled/Returned by Cardholder: Credit not Processed: FR2: Fraud: Fraudulent Transaction: P08: Processing Error: Paid By Other Means: P17: Request for Information:. Discover chargeback reason code 7030. 5158. Supporting Documents You could potentially reverse a Chargeback by providing the. September 2011: 5. All chargebacks start with a customer making a purchase in person, in an app, or online. The shorthand description is "'No Show’ or CARDeposit Canceled. Dispute Best Practices Guide Overview This guide includes: An overview of authorization and transaction processing An overview of retrievals and chargebacks Reason code guidelines for all. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. F01. Less. If the available information indicates that the customer dispute is a valid one, American Express will automatically debit your merchant account for the amount of the disputed transaction and will send you a chargeback notification for you to review. Here are the two possible scenarios: 1. The shorthand description is “Late Presentment. eBay chargebacks. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. 3: Goods or services were not received: C08: RG: 4855: 13. Amex Dispute Codes 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. To subscribe and learn more about the free online chargeback management system, or contact Chase Paymentech Client Services at 1. 4763: FR2: Full recourse: A cardholder is claiming that they did not authorise or participate in a transaction that you processed. com Time Frames by Chargeback Type and Reason Code. The chargeback reason code. There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other Chargeback Categories. 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. Here’s how your store can prevent and deal with chargebacks. This authoritative guide includes the chargeback reason key from each from the four major card netz. The bottom line: true fraud and chargeback prevention requires a more comprehensive. The cardholder initiates contact with their bank or credit union to file a dispute. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. Your best outcome here is to refund the dispute before it becomes a chargeback. Learn How Chargebacks Work. paper processing and mailing costs. Reason Code: 10. 1 chargeback: 1. You should maintain dispute templates for each reason code and include your intent to fight the chargeback and why. Scenario 2. Chargeback reason codes identify the general reason behind a chargeback. Network Processing ® ©Reason Codes A chargeback reason code is a distinctive two-to-four-character combination of letters and numbers issued by the involved bank to identify why a dispute was initiated. A02 No Valid Authorization. Breaking Down Chargeback Fees. Card networks send these codes to merchants to indicate why a chargeback has been filed. This definitive guide comes that chargeback reason codes from jeder of of four majority card networks. Additionally, Amex uses a fifth "Miscellaneous" category. txt) or read online for free. Those reasons are explained through the corresponding reason codes. Chargeback Reason Codes by Network - 2023 Orientation. Under the new VCR process, there will be 4 dispute categories: Fraud, Authorization, Processing Errors and Consumer Disputes. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRR 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. These are only a handful of common Visa chargeback reason codes. American Express is incentivized to keep their customers happy. PCI DSS v3. As a merchant, your focus should be on finding and retaining customers--not chargebacks. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. You need to embrace a customer-centric approach focused on transparency and satisfaction. . The cardholder may be the customer or the someone who lent their card to a friend or relative. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. 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 system posts separate line item for each chargeback code in AR document and for each of the reason code system captures the reference information from lockbox file in the text field of. Discover chargeback reason codes are divided into. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Include any terms relevant to the transaction, including return, cancellation and. Chargeback reason code. Under the legacy Visa Chargeback system, there are 22 chargeback reason codes (And remember, this is just for Visa. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. On that note, below are some vendor missteps that could result in Visa reason code 13. ”. You’ll put that reason code, the transaction amount and authorization number, and state that the. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. While the updates have been published, they do not go into effect until Oct. Reason codes. Amex Fraud Chargeback Reason Codes FR2 — Fraud Full Recourse Program. Written by Chargeback Curators. Articles; Chargeback Reason Codes;. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. Power your business in Square. 7 Ways Merchants Win Chargeback Disputes. 4: Other Fraud–Card-Absent Environment. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. Additionally, Amex uses a fifth "Miscellaneous" category. ’Collect Compelling Evidence. This can provide important information to fight the dispute. 105. Merchants who believe they have received an invalid chargeback under reason code FR2 may be able to represent the transaction and reverse the chargeback with the right. A chargeback is the potential outcome of a disputed credit or debit card transaction. Reason Code 53 Re-presentment Conditions. The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. 4853 – Cardholder Dispute – Goods or Services Not Provided. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. Mastercard Chargeback Reason Code 70: Chip Liability Shift. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. Visa chargeback reason codes. 2 chargeback if you override a declined, referral, or pickup authorization message, but process the transaction anyway. 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 Codes. As a merchant, you face the brunt of chargeback losses. American Express Reason Code FR2 - Fraud Full Recourse Program; American Express Reason Code FR4 - Immediate Chargeback Program; American Express Reason Code FR6 - Partial Immediate Chargeback Program; NOTE: If you receive one of the above chargeback reason codes and aren’t aware of being in a fraud monitoring program, contact your payment. If the merchant has a signature showing that the order was delivered, or evidence that the. 1 Card Recovery Bulletin or Exception File. This extra step can be frustrating for Card Members and lead to lost sales. Click “filter orders”. Write Off Reason Code . Based on the information provided, Paymentology will investigate the transaction being disputed. Code. In the distribution industry,. However, it is important to note that this reason code is based on the reason given by the customer to their bank. Fine Period - month 2 or 3. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. Example: 25. 4 Funding Process. 0 rule changes take effect April 15,. Encrypt transmission of cardholder data. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. The chargeback initially results in the debit or credit card charge being reversed and the funds that you received for the payment being returned to the customer. Values are: Blank: Use the draft G/L date. These chargebacks will show up under reason codes that will, on first glance, appear legitimate. A chargeback reason code can offer merchants a lot of information, including which chargebacks you should fight and how to rework your return policy. If you're contesting a chargeback, you'll need solid evidence. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. 4846 — Incorrect Currency Code. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible MASTERCARD 4802 Requested/Required Item Illegible or Missing Request for. 3: Goods or services were not as described: C31: RM: 13. Fight; Prevent; Recover; Predict; Success Story; Resources. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. The price of Order Insight alerts varies, but is often $8-$10 per deflected chargeback. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. Complete Guide to Visa Compelling Evidence Update CE 3. This will not impact your integration, but you will need the documentation relevant to you. 4 spec (Section 8. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). Try Shopify free for 3 days, no credit card required. ”. Added the following fields - Store ID, Credit Card Chargeback Reason Code. 2 Declined Authorization. 7. Enterprise;. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. Written by Chargeback Gurus. Here are the most common chargeback culprits. Solution. We’ve all been there as an eCommerce owner: you excitedly ship out a $1,500 order to a customer, and then a few weeks later you’re notified that the customer has opened a chargeback dispute. 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. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 4763: FR2: Full recourse: A cardholder is claiming that they did not authorise or participate in a transaction that you. F01. Once filed, the merchant generally has 20 days to respond to the chargeback. account_number= Any account number. Get started . If more data is required, the request will be sent to the Merchant Services provider. If more data is required, the request will be sent to the Merchant Services provider. For scenario A, send an echeck sale transaction with the following data: routing_number=064000101. Losing Fraud-Related Customer Disputes If the bulk of reason codes your business sees are fraud-related and you lose these chargebacks after submitting compelling evidence, true fraud. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. 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. Some credit card companies also include a short phrase describing the code and chargeback. Refund fraud, sometimes referred to as refund theft or a “whitehouse scam,” involves abusing a merchant’s policies to pursue a refund from a retailer and receive money or other goods without a valid reason to do so. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Reason Code Description A01 No valid authorization/excessive amount. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. As chargeback time limits get shorter and shorter, automated technology will become more and more valuable. Prevented; Recover; Tools. Visa chargeback reason code 75 is filed as an honest mistake. The shorthand description is “No Authorization. 65 fee for uploading scanned documents. 1: Use the corresponding dates from the invoice. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. Your first step is to identify the chargeback reason code, which is a kind of shorthand that indicates why the transaction is being disputed. In most cases, you will have 20-45 days in which to respond to a chargeback. INQUIRY A notification you receive if a Cardmember disputes a charge from your business and we cannot resolve it using the documents we have on file. A01 Charge amount exceeds authorization amount A02 No valid authorization A08 Authorization approval expired Cardmember Dispute C02 Credit not processed. Mastercard has plans to follow suit. Reason Code 03. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. the Chargeback. There are two parts to this. Goods / Services Damaged or Defective. This reason code means that the cardholder claims that they were billed for lodging services that they had already canceled. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. High Level Visa Chargeback Dispute Flow. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. We also included the reason code descriptions and an indication of when the allowable time frame begins. Blog and Articles; Success Stories; Chargeback Reason Codings; DUMPSTER Look-up;. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. The reason code may not reflect the true reason for the chargeback. Below is a list of Mastercard chargeback codes used in eCommerce. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. F02. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. Dispute Category. Each chargeback is disputed by a specific reason code. 105. Additionally, one clearing transaction. Chargeback Code: Type: Processing Error: P01: Unassigned Card Number: P03: Credit Processed as Charge: P04: Charge Processed as Credit: P05: Incorrect. Fight;. pdf), Text File (. 0: Updated report version from 1. 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. Here’s how your store can prevent and deal with chargebacks. Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. Chargeback Reason Encrypted by Lattice - 2023 Guided. reasonable and that the transaction did not exceed this amount range. 4. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. txt) or read online for free. Chargeback reason code 10. Solutions4853 – Cardholder Dispute – Credit Not Processed. Reason Code. US $10,000. ) and ELISEA B. Some crucial examples of specific documents used as compelling evidence are as follows: Delivery confirmation of the order; Conversations with the customer; Verification codes (AVS, Authorization, Card Security Code, 3D Secure 2. A new 4 byte reason code will be used moving forward. Once you receive this notification, you have 11 days to submit a response. Now, compliance cases must be submitted through Visa Resolve Online (VROL). The customer is claiming that this purchase was not authorized.