Reason Codes

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. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Reason codes are important to help merchants address recurring chargeback triggers, as well as identify frivolous chargebacks, against which the merchant will need to fight back.

Reason Code

Type

Merchant Friendly Description

10.1

Chargeback

Fraud - Chip Liability Shift Counterfeit Fraud

10.2

Chargeback

Fraud - Chip Liability Shift Non-Counterfeit Fraud

10.3

Chargeback

Fraudulent Transaction

10.4

Chargeback

Fraudulent Transaction

10.5

Chargeback

Visa Fraud Monitoring Program

11.1

Chargeback

Card Recovery Bulletin

11.2

Chargeback

Declined Authorisation

11.3

Chargeback

Transaction Did Not Receive a Valid Authorisation Code

12.1

Chargeback

Transaction Presented Late

12.2

Chargeback

Incorrect Transaction Code

12.3

Chargeback

Incorrect Currency

12.4

Chargeback

Incorrect Account Number

12.5

Chargeback

Cardholder Billed Incorrect Amount

12.7

Chargeback

Invalid Data

13.1

Chargeback

Merchandise / Services Not Received

13.2

Chargeback

Cancelled Recurring

13.3

Chargeback

Not as Described or Defective Merchandise / Services

13.4

Chargeback

Counterfeit Merchandise

13.5

Chargeback

Misrepresentation

13.6

Chargeback

Credit Not Processed

13.7

Chargeback

Cancelled Merchandise / Services

13.8

Chargeback

Original Credit Transaction Not Accepted

13.9

Chargeback

Non-Receipt of Cash or Load Transaction Value

4880

Chargeback

Late Presentment

12.6.1

Chargeback

Duplicate Processing / Paid by Other Means

12.6.2

Chargeback

Duplicate Processing / Paid by Other Means

4804

Chargeback

Duplicate Processing

4807

Chargeback

Warning Bulletin File

4808

Chargeback

Transaction Did Not Receive a Valid Authorisation Code

4809

Chargeback

Transaction Not Reconciled

4811

Chargeback

Stale Transaction

4812

Chargeback

Incorrect Card Number

4831

Chargeback

Cardholder Billed Incorrect Amount

4834

Chargeback

Point of Interaction Error

4837

Chargeback

Fraudulent Transaction

4840

Chargeback

Fraudulent Processing of Transaction

4841

Chargeback

Canceled Recurring or Digital Goods Transaction

4842

Chargeback

Transaction Presented Late

4846

Chargeback

Correct Transaction Currency Code Not Provided

4849

Chargeback

Questionable Merchant Activity

4850

Chargeback

Installment Billing Dispute

4853

Chargeback

Cardholder Dispute - Defective / Not As Described

4854

Chargeback

Cardholder Dispute

4855

Chargeback

Goods or Services Not Provided

4859

Chargeback

Addendum / No-show Dispute

4860

Chargeback

Credit Not Processed

4863

Chargeback

Cardholder Does Not Recognize - Potential Fraud

4870

Chargeback

Fraud - Chip Liability Shift

4871

Chargeback

Fraud - Chip / PIN Liability Shift

28

RFI

Request for Information - Request for Copy Bearing Signature

30

RFI

Request for Information - Cardholder request due to dispute

33

RFI

Request for Information - Fraud analysis request

34

RFI

Request for Information - Legal process request

6305

RFI

Request for Information - Cardholder does not agree with billed amount

6321

RFI

Request for Information - Cardholder does not recognise transaction

6322

RFI

Request for Information - Transaction Certificate (ICC Transaction)

6323

RFI

Request for Information - Transaction Information Document (TID) needed for cardholders personal records expense reporting

6341

RFI

Request for Information - Fraud Investigation

6342

RFI

Request for Information - Potential Chargeback or compliance documentation

6343

RFI

Request for Information - Real-time Substantiation Audit Request (IIAS)

 

Contact us

If you can't find what you're looking for, please contact a member of our UK Customer Support team.

0345 761 62 63