Reason Code 02. Regardless, merchants must respond to the given reason code. The customer is claiming that this purchase was not authorized. The chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. The issuing bank assigns each case a code according to the consumer’s claim, and the merchant must adhere to the time limits for that specific code. 00 EUR as a Withdrawal fee. 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. Stage #1: Awareness - be aware of the chargeback response time limitWhat are chargeback reason codes? Reason codes inform merchants about the reason why the customer is disputing a transaction, based on the information they provided to their bank. 4. Reason Code Reason Code North-America Reason Description; 4540: F29: Card Not Present (fraud). 4: Other Fraud–Card-Absent Environment. Thanks for following the Chargeback Gurus blog. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. underlying your chargeback. In this case, the customer files for the pre-compliance chargeback (aka reason code 98). Acquirer Use of Message Reason Code 7623. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. Visa Chargeback Reason Codes. France saw a drop of roughly 50% during the same period. (98. The assigned chargeback reason code outlines why a customer submitted the dispute. Reason codes. If you did not receive the email, open Mave, Wave’s automated chatbot, and. Build & Submit a Representment Case in 4 Stepsprenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. ” This code indicates that the cardholder claims the merchant processed a recurring billing transaction after they had submitted a cancellation request or. Solutions. Reason Code 98). In general, most retrieval requests are issued to merchants for one of the following reasons: The cardholder wants information for his or her records. Thus, the easiest way to prevent chargeback reason code 75 from being. 1, "Compelling Evidence for goods/services not4846 — Incorrect Currency Code. Processors handle exception items outside of the chargeback management system, however the merchant will see them designated as a chargeback, with an assigned reason code (e. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. Pay close attention to the reason for the chargeback. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. The exact time frame will vary based on factors such as the reason code or the card network. These are only a handful of common Visa chargeback reason codes. For example, a thief takes someone’s card data and makes a purchase at a store. 4 Other Fraud Card Absent. For that matter, fraud prevention tactics such as AVS and CVV can be bolstered by adding advanced safeguards like 3D secure, automated transaction scoring, fingerprinting, and device ID tools. You win, but a second dispute is filed: The issuer has the right to file a second chargeback for the same transaction. Consider Deadlines. 1 The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. Accessed October 31, 2022. For merchants, the deadline to respond is 30 days for Visa chargebacks and 45 days for Mastercard chargebacks. ). An XCK entry may be returned up to sixty days after its Settlement Date. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. Additional data from Mastercard shows that global chargeback volume reached 615 million in 2021. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. Reason Code. Check with the issuing banks to determine what time limits may apply to you. #4 step: The issuer assigns a chargeback reason code. This information should be based on the Visa chargeback reason codes assigned to the case. 3 applies when a cardholder claims a charge—made in a card-present environment—was. For defective or “Not as Described” reason codes. The codes also appear on financial reporting associated with disputes. Learn more about Mastercard chargeback reason. Terms and conditions. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. 6. Field name: reasonCode. This code tells you why the customer or bank initiated the dispute. non_receipt: The buyer claims they didn't get the goods or services. 15, 2021. This may include: Transaction receipts; Merchant credentials; Customer authorizationReason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. processed the transaction correctly. 31. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. Use this guide as a quick resource for Visa chargeback reasons at a. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. chargeback: The buyer filed a chargeback with the credit card issuer. The shorthand description is “Cancelled Recurring Transaction. Reason codes are important to help merchants address recurring. UA02 Fraud – Card Not Present Transaction. Protect stored cardholder data. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. In this article, you’ll learn the key takeaways for merchants: Visa standard chargeback regulations; 3 most common Visa dispute reason codes; New Visa mandate Compelling Evidence 3. ”. MasterCard: Reason Code 4859 Services not rendered. 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 Incorrect Transaction Code. Be sure you understand the cardholder’s claim. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. However, a business’s success rate may vary depending on its dispute approach. The sort of proof required differs depending on the chargeback reason code. The most comprehensive guide to chargeback reason codes. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingChargeback Reason Codes All received credit card disputes include a reason code. 3 is the less common version for card-present transactions. 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. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. com Europe. Approval Rating. 77. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. There are plenty of reasons as to why this would happen, hence the many. most common reason codes for recurring merchants include: 7. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. The issuing bank reviews the information. So don’t spend another second worrying about chargebacks. Vantage HouseChargeback Reason Codes; BIN Lookup; ROI Tool; Company. 4. Visa chargeback reason code 75 is filed as an honest mistake. This is commonly caused by either true fraud or friendly fraud. Then, the crook attempts to trick the victim into disclosing personal account information (account number, routing information, SSN, etc. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested item illegible: 07: Warning Bulletin File: 08: Requested/Required Authorization Not Obtained: 12: Account Number Not on File: 31: Transaction Amount Differs: 34: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 list of chargeback reason codes in this article is organized by card brand and type of dispute. The aim of CE 3. M01 Chargeback Authorization. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. In the world of chargebacks, card networks almost always side with cardholders. “It’s a lot tougher with Mastercard because they only use four main codes. In order to fight a chargeback effectively, however, you'll need to know the reason code. And according to The True Cost of Fraud report by LexisNexis, businesses end up paying $3. That suggests that in the times when merchants. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. Faxing and Mailing Agencies: There is a violation of a Visa or MasterCard rule, for which there is no chargeback reason code. There are 151 chargeback reason codes across the four. 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 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. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. The reason code. 3 – Other Fraud, Card-Present Environment 10. Responding to Mastercard Reason Code 4853 Chargebacks. 4- Fraud Trans was received for an order and challenged by the merchant. 4 disputes through Verifi’s Order Insight®, which ChargebackHelp clients are integrated with already under CBH+Deflect . 98: Good Faith Collection: Other: NO: YES: VISA: 99: Pre-Compliance: Other: NO: YES: Card Type Reason Code Reason Text Chargeback Category. A08 Authorization Approval Expired. The way you manage chargebacks depends on your account setup. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. The issuing bank will then pass on the chargeback to the merchant. -0. 6). EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 3: Goods or services were not as described: C31: RM: 13. 70 USD) 100001: 400: INVALID_REQUEST:. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. The transaction amount and authorization number (ARN. Chargeback representment succeeds when you can present your rebuttal concisely and substantiate. 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. 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. ; Resources. Both EFM and ECM measure compliance at the MID level. Chargeback companies can assist merchants in navigating these processes, and work with them to develop a comprehensive chargeback prevention strategy. The customer regrets their purchase. Having a Lax Attitude Toward Industry Rules & Regulations. The most common reason for chargebacks (30%) is that the purchase was made with a stolen card. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. What is Visa chargeback reason code 13. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. Clerical There are over 80 unique return codes, and each one represents a different type of return. Q. Then, apply calculations and chart your results. Each major credit card company has its own. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. 78. United States. Visa Chargeback Life Cycle. Approval Rating. See moreChargeback reason code 98 was used to describe any exception that fell into that category. A dispute often has a reason code associated with it. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. 2? Visa chargeback reason code 13. By entering your email, you agree to receive marketing emails from Shopify. There are also specific return time frames, which can differ. Issuer Review; Allocation. Protect stored cardholder data. 4860 Credit Not Processed. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. Codes 51 (insufficient funds) and 05 (do not honor) are especially common. Reason Code 11. These codes are notoriously inaccurate; in fact, first-party fraud is predicated on reason codes being inaccurate. ’There are some reasons for filing visa chargeback reason code 32, especially when merchant:. Chargeback reason code 11. 4853 – Cardholder Dispute – Goods or Services Not Provided. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. 5%. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. Now, compliance cases go through Visa Resolve Online (VROL). It is subject to change and may not include every currently known dispute reason code. Here are some steps you can take to handle chargeback requests: 1. Please note that the most common Chargeback reason code for Allocation disputes is 10. Clearing. Specify the invoice date and net due date to assign to chargebacks. "Acceptable Reason Codes" has the meaning set out in section 2. What is Visa chargeback reason code 13. The sales receipt and/or date and amount of the authorization if other than the transaction date. The chargeback transfers funds from the acquirer to the issuer. Discover chargeback reason code 7030. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. Visa Code # MasterCard Code # Reason. The reason codes are grouped into several broad. 3: Goods or services were not received: C08: RG: 4855: 13. Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. For QSRs, which deal in a large volume of relatively small transactions, the financial impact of a high chargeback rate can be severe. REQUEST A DEMO. 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. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. Visa Chargeback Reason Codes; MasterCard. Step 4: Card Network Collects Dispute Information. But cardholders and merchants have different time limits. To win a chargeback dispute as a merchant, you must have evidence that is compelling enough to persuade the cardholder’s bank to reevaluate the case. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. These are only a handful of common Visa chargeback reason codes. 4. What are the odds a merchant will “win” the chargeback dispute? The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. Together, we serve some 45,000. Thanks for following the Chargeback Gurus blog. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. . Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. 98. Check the chargeback reason code. Understanding these codes is essential because they'll guide your response strategy. 98: Other: Good Faith Collection: 99: Other:Dispute Reason Code: A specific code associated with the reason given by the buyer for initiating the chargeback. It can range from 60 to 120 days from the billing date. Chargeback. One of three things will happen: The issuer rules in your favor: Your representment case validates the original transaction. Also, remember that the time frame for your response includes any processing required by the acquirer. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. 00 in chargebacks. In fact, 91. When you receive a chargeback request, respond promptly with any relevant information or evidence that supports your case. Also, they’ll often issue a provisional credit to the customer until there is an investigation on the claim. 9% with at least 100 total disputes. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. 2. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. g. According to a study released by Juniper Research, ecommerce businesses were projected to lose roughly $20 billion in 2021 due to fraud, an 18% increase over the $17. Every chargeback comes with a reason code. By entering your email, you agree to receive marketing emails from Shopify. [noun]/* rēzən kōd / 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. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. EMV has been a mostly global standard since 2004. Values are: Blank: Use the receipt G/L date. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. . Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involving2. lost_card. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Visa, MasterCard, and American Express all list compelling evidence by reason code. Chargeback reason code 12. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. 'luhfw fruuhvsrqghqfh wr wkh dssursuldwh hpdlo edvhg xsrq wkh uhdvrq frgh ri wkh lvvxh olvwhg ehorz <rx pd frpelqh lvvxhv iru gliihuhqw uhdvrq frghv lq wkh vdph fruuhvsrqghqfh rqo li wkh hpdlo ghvwlqdwlrq lv wkh vdph <rx pd. Mastercard Chargeback Reason Code 70: Chip Liability Shift. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardA chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. About American Express chargeback reason codes. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. Any time. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. Discover: Reason Code 4755 Non-receipts of goods or services. Which is meant to know the reason for the dispute. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Overall returns (all codes): 15%. VCR Dispute Reason Code 10. For merchants, the deadline to respond is 30 days for Visa chargebacks and 45 days for Mastercard chargebacks. The Stakes: Ignoring reason codes can lead you to confuse valid chargebacks for problematic ones. 196In most cases, you will have 20-45 days in which to respond to a chargeback. Read the Chargeback Advice letter carefully. This extra step can be frustrating for Card Members and lead to lost sales. What is the chargeback reason code? The reason code is an alphanumeric 2 to 4-digit code provided by the issuing bank that identifies the reason for the dispute. This list was generated 5/4/2022. Each bank card network has its owner list of reason codes banks must prefer from. Today, we at Chargebacks911 are proud to call ourselves the industry’s leading name in end-to-end chargeback management. 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 latest chargeback rules set by Visa are the answer to the current fraud and chargeback landscape. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Type. 5 Ways I’m Using AI to Make Money in 2023. processed the transaction correctly. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)Chargeback Reason Codes. Fraud (10)& Authorization (11)A chargeback occurs when a customer disputes a charge from your business on their credit or debit card. The most comprehensive guide to chargeback reason codes. The main chargeback reasons look like this: Malicious fraud. Step 2: Find your case. This is a fairly common chargeback reason that can. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. Every chargeback is filed with a reason code that identifies the given reason for the dispute. Fraud 10. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. 4 spec (Section 8. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. All parties are subject to the rules of the card networks, including response time limits. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. Once you receive this notification, you have 11 days to submit a response. The Merchant Reviews the Partial Chargeback Claim. This code applies when either the transaction was processed using an incorrect account number, or the transaction itself was not authorized. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some instances. 3 Changed Discover Reason Codes to match what is shown in the UI. If a merchant accepts the reason for the chargeback, the customer refund is processed. 2. The payment was declined because it matches a value on the Stripe user’s block list. Accessed October 17, 2022. . Managing Reason Code 41 chargebacks. 2 chargeback if you override a declined, referral, or pickup authorization message, but process the transaction anyway. 18167 US Highway 19 N Clearwater, FL 33764 877. Updated August 23, 2023. 14 (+0. [2] JUSTT. FR6 Partial Immediate Chargeback Program. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. ; Resources. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. Also, just like American Express, Discover functions as both a card network and an. Though the credit card networks have a vast choice of codes, loopholes still happen. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. During this process, the representative of the institution examines the reasons’ list. Not remembering the original purchase. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. A reason code is an alphanumeric code that explains the reason behind the dispute. ) has its own reason code system, so sellers should carefully check the card used for the transaction. For each reason code, a definition is When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. 4 – Other Fraud, Card-Absent Environment. Category. With the chargeback code in hand, the merchant can now review the transaction. If you've determined the chargeback is meritless, and you know the reason code, below are the five stages of an effective chargeback representment. These chargeback reason codes are broken down into four categories: fraud, authorization, processing errors, and service disputes. As we touched on earlier, chargebacks can happen due to technical errors. While there are many chargeback reason codes, all chargebacks fall into one of three categories: The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. Reason Code. For instance, if the customer claims unauthorized purchase, your letter should cite evidence, such as an IP address matching previous purchases, to support. The issuer generates a claim, then transmits it to the merchant’s acquirer, as well as to Visa, as a means of noting all reported fraud incidents tied to the merchant. Bank of America issues both Mastercard- and Visa-branded cards, so the exact requirements may vary depending on the Mastercard reason code or Visa reason code . PCI DSS v3. 4808 Authorization-Related Chargeback. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST:Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. M49 Vehicle Rental – Theft or Loss of Use. There are two types of invalid chargebacks. As we touched on earlier, chargebacks can happen due to technical errors. 1 Card Recovery Bulletin or Exception File. 26% - the number of chargebacks that result from undelivered orders. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andThe chargeback reason code. If the order was genuinely not as described, then the cardholder has a case. We’ll send you a notification, request for relevant information, and temporarily hold the transaction funds. Maestro. 0) Email conversations with the customer; Contracts; Digital usage logsChapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10: Arbitration; Chapter 11: Fraud filters; How to Create the Best Chargeback Responses. Whenever an incorrect account number is processed, or the. A chargeback is the potential outcome of a disputed credit or debit card transaction. Each chargeback is disputed by a specific reason code. The notification will also specify the terms of the agreement under which Amazon Pay will assist you in handling the chargeback. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. 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. Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card. You win, but a second dispute is filed: The issuer has the right to file a second chargeback for the same transaction. 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. 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. 11, 16 November 2015, Elimination. Try Shopify free for 3 days, no credit card required. 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. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. While every card system has its own particular exceptional arrangement of chargeback reason codes, the categories are fundamentally very similar. Visa chargeback reason code 11. Availability Date: October 24th, 2021. com Europe. Reason codes. Versions Affected: v5, v6. 99. 32 +0.