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) |