What are Chargeback reason codes and what do they mean?
Each Chargeback is filed by the issuer under a reason code which offers a brief explanation as to why the cardholder is disputing the transaction. Each reason code has its own set of rules based on the card network (that is, Mastercard, Visa, AMEX, Discover, and so on).
Reason codes gives us a glimpse of why a dispute was raised. There are specific documents or evidence required in relation to each reason code, in order to properly provide a solid evidence to fight the case and potentially win a Chargeback. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner.
The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports.
Chargeback Reason Codes
Visa
Fraud
10.1 = EMV-Liability Shift counterfeit Fraud
10.2 = Liability Shift Counterfeit Non-fraud
10.3 = Other Card Present Environment
10.4 = Other Card Absent Environment
10.5 = Visa Fraud Monitoring Program
Authorisation
11.1 = Card Recovery Bulletin
11.2 = Decline Authorization
11.3 = No Authorization
Processing Error
12.1 = Late Presentment
12.2 = Incorrect transaction code
12.3 = Incorrect currency
12.4 = Incorrect account number
12.5 = Incorrect Amount
12.6.1 = Duplicate processing
12.6.2 = Paid by other means
12.7 = Invalid data
Consumer Disputes
13.1 = Merchandise/Services not received
13.2 = Cancelled Recurring
13.3 = Not as described or Defective Merchandise/Service
13.4 = Counterfeit merchandise
13.5 = Misrepresentation
13.6 = Credit not processed
13.7 = Cancelled Merchandise/Services
13.8 = Original Credit Transaction not Accepted
13.9 = Non Receipt of Cash or Load of Transaction Value
MasterCard
Fraud
4088 = Authorisation Related Chargeback
4837 = No Cardholder Authorisation
4840 = Fraudulent multiple transaction
4863 = Transaction not recognised
4870 = Chip liability shift
4871 = Chip/Pin Liability Shift
Point of interaction error - 4834 subcategories
4831 = Incorrect transaction amount / Payment by other means
4834 = Duplicate processing
4842 = Late presentment I Late submission
4846 = Incorrect currency or transaction code
Cardholder Dispute Chargeback - 4853 Sub-categories
4841 = Cancelled Recurring Transaction
4853 = Goods or Services were either not as described or defective
4855 = Goods or Services not provided
4859 = No Show / Addendum dispute
4860 = Credit not processed
American Express
All reason codes
A01 = Charge amount exceeds authorisation amount
A02 = No valid authorisation
A08 = Authorization approval expired
C02 = Credit not processed
C04 = Goods/Services returned or refused
C05 = Goods/Services cancelled
C08 = Goods/Services not received or only partially received
C14 = Paid by other means
C18 = No show or CAR Deposit cancelled
C28 = Cancelled recurring billing
C31 = Goods or services not as described
C32 = Goods/Services damaged or defective
F10 = Missing imprint
F24 = No card member authorisation
F29 = Card not present
F30 = EMV - Counterfeit
F31 = EMV - Lost/Stolen/Non-received
R03 = Insufficient reply
R13 = No reply
M01 = Chargeback authorisation
P05 = Incorrect charge amount
P07 = Late submission
P08 = Duplicate charge
P22 = Non matching card number
M36 = See additional notes
M38 = Chargeback reversed
Discover
All reason codes
UA01 = Fraud – Card present transaction
UA02 = Fraud – Card not present transaction
UA05 = Fraud – Chip counterfeit transaction
UA06 = Fraud – Chip and PIN transaction
AT = Authorization non-compliance
IN = Invalid card number
LP = Late presentation
5 = Good faith investigation
AA = Does not Recognise
AP - Recurring payments
AW = Altered amount
CD = Credit/Debit Posted Incorrectly
DP = Duplicate processing
NF = Non-receipt of cash from ATM
PM = Paid by other means
RG = Non-receipt of goods, services, or cash
RM = Cardholder disputes quality of goods or services
RN2 = Credit not processed
DC = Dispute compliance