Chargeback reason codes
Every dispute arrives with a reason code that decides what evidence wins and what your response deadline is. Pick the card network to find your code.
Visa
25 codes- 10.1EMV Liability Shift Counterfeit Fraud
- 10.2EMV Liability Shift Non-Counterfeit Fraud
- 10.3Other Fraud - Card-Present Environment
- 10.4Other Fraud - Card-Absent Environment
- 10.5Visa Fraud Monitoring Program
- 11.1Card Recovery Bulletin
- 11.2Declined Authorization
- 11.3No Authorization
- 12.1Late Presentment
- 12.2Incorrect Transaction Code
- 12.3Incorrect Currency
- 12.4Incorrect Account Number
- 12.5Incorrect Amount
- 12.6.1Duplicate Processing
- 12.6.2Paid by Other Means
- 12.7Invalid Data
- 13.1Merchandise/Services Not Received
- 13.2Cancelled Recurring Transaction
- 13.3Not as Described or Defective Merchandise/Services
- 13.4Counterfeit Merchandise
- 13.5Misrepresentation
- 13.6Credit Not Processed
- 13.7Cancelled Merchandise/Services
- 13.8Original Credit Transaction Not Accepted
- 13.9Non-Receipt of Cash or Load Transaction Value
Mastercard
17 codes- 4837No Cardholder Authorization
- 4840Fraudulent Processing of Transactions
- 4849Questionable Merchant Activity
- 4863Cardholder Does Not Recognize - Potential Fraud
- 4870Chip Liability Shift
- 4871Chip/PIN Liability Shift
- 4808Authorization-Related Chargeback
- 4834Point-of-Interaction Error
- 4831Transaction Amount Differs
- 4842Late Presentment
- 4846Correct Transaction Currency Code Not Provided
- 4841Canceled Recurring or Digital Goods Transactions
- 4853Cardholder Dispute
- 4854Cardholder Dispute - Not Elsewhere Classified (US Region Only)
- 4855Goods or Services Not Provided
- 4860Credit Not Processed
- 4999Domestic Chargeback Dispute (Europe Region Only)
American Express
30 codes- F10Missing Imprint
- F14Missing Signature
- F22Expired or Not Yet Valid Card
- F24No Cardmember Authorization
- F29Card Not Present
- F30EMV Counterfeit
- F31EMV Lost / Stolen / Non-Received
- FR2Fraud Full Recourse Program
- FR4Immediate Chargeback Program
- FR6Partial Immediate Chargeback Program
- A02No Valid Authorization
- C02Credit Not Processed
- C04Goods or Services Returned or Refused
- C05Goods or Services Cancelled
- C08Goods or Services Not Received
- C14Paid by Other Means
- C18No Show or CARDeposit Cancelled
- C28Cancelled Recurring Billing
- C31Goods or Services Not As Described
- C32Goods or Services Damaged or Defective
- P01Unassigned Card Number
- P03Credit Processed as Charge
- P04Charge Processed as Credit
- P05Incorrect Charge Amount
- P07Late Submission
- P08Duplicate Charge
- P22Non-Matching Card Number
- P23Currency Discrepancy
- R03Insufficient Reply
- R13No Reply
Discover
18 codes- AADoes Not Recognize
- APRecurring Payments
- AWAltered Amount
- CDCredit/Debit Posted Incorrectly
- DPDuplicate Processing
- EXExpired Card
- INInvalid Card Number
- LPLate Presentation
- NANo Authorization
- NFNon-Receipt of Cash from ATM
- PMPaid by Other Means
- RGNon-Receipt of Goods, Services, or Cash
- RMCardholder Disputes Quality of Goods or Services
- RN2Credit Not Processed
- UA01Fraud - Card Present Transaction
- UA02Fraud - Card Not Present Transaction
- UA05Fraud - Chip Counterfeit Transaction
- UA06Fraud - Chip and PIN Transaction