Codes are not often shared between issuers which means it can be difficult to remember the details of each. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing. EMV Liability Shift Non-Counterfeit Fraud. For a Mastercard late presentment chargeback to be valid, all the following conditions must apply: The cardholder’s account must be permanently closed. Description: Reason code for applying handling fee. 4: Fraud—Card-Absent Environment. 1. 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. Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program”, are excluded from program monitoring. A reason code is how banks categorize the reason for a chargeback. Refund fraud is a form of first-party transaction fraud. 18167 US Highway 19 N Clearwater, FL 33764 877. There are over 80 unique return codes, each representing a different return type. 0. Updated the following columns - card type, response due date. It is associated with a chargeback reason code, and it is specific per Card Scheme. Chargeback Reason Code. 3. 6: Credit not. pdf), Text File (. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. American Express chargeback reason code C42. Across open networks and include account numbers sent over email, instant messaging, text, or chat. Many subscription payment disputes are made under code 13. S. Click “add filter”. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. 4808 Authorization-Related Chargeback. 3. The code is used to help verify buyers during a card-not-present transaction. “It’s a lot tougher with Mastercard because they only use four main codes. This definitive guide include the chargeback base codes from each away and four more card networks. Include any terms relevant to the transaction, including return, cancellation and. Below you'll find a list of chargeback codes along with an explanation of what each one means, covering both. The key below describes the applicable classification and code structure of Chargeback codes by country: Classification. Step 1: The cardholder disputes a charge. However, they don’t address the reason why that chargeback was issued in the first place. . txt) or read online for free. Blog and Articles; Success Stories; Chargeback Reason Codings; DUMPSTER Look-up;. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. Chargeback reason code 11. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. The transaction amount and authorization number (ARN. Most reason codes apply to any merchant, regardless of what’s being sold. The other member could accept the chargeback or contest it, escalating the dispute to compliance where Visa adjudicates. The only way to reveal the cause of the chargeback is to submit a comprehensive and complete response specific to the reason code used. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Claim Adjustment Reason Codes - All . 0 to 5. Your first step is to identify the chargeback reason code, which is a kind of shorthand that indicates why the transaction is being disputed. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Most commonly the payer is a consumer. Mastercard has plans to follow suit. This ranges anywhere from roughly 60 to 90 days after purchase. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. 00 EUR as a Withdrawal fee. The good news is, the chargeback reason code should give you a great indication of where to start. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Unfortunately, it is pretty challenging to prevent friendly fraud. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. The price of Order Insight alerts varies, but is often $8-$10 per deflected chargeback. Upfront Chargeback If we determine we have sufficient information to pursue a Chargeback, we may debit your account up front. VCR Dispute Reason Code 10. Chargeback Reason Codes for AMEX. Country. the Chargeback. “American Express Chargeback Reason Codes | Sift”. 4798: F30: Fraud Liability Shift. Partnerships; Integrations; About. It is caused by things like beliefs, opinions, morals, regrets, fear, and confusion. For example, 10. R04. Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. The charge was flagged by the Amex Fraud Full Recourse Program. 4 Section . 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. Reason Code 04. 4846. These chargebacks will show up under reason codes that will, on first glance, appear legitimate. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. 1: goods not received. Invalid Authorisation (ISO 4521) / Charge. For example, suppose a cardholder filed a case about an order processing issue, and you disputed the chargeback. 6. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. In short, chargebacks are costly. 3. Dispute Best Practices Guide Overview This guide includes: An overview of authorization and transaction processing An overview of retrievals and chargebacks Reason code guidelines for all. Check out these codes under their fraud category. 4853 – Cardholder Dispute – Goods or Services Not Provided. If the merchant has a signature showing that the order was delivered, or evidence that the. However, for simplification, they are divided into eight categories: Fraudulent activity; Authorization issues;. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. 6). As expected, chargeback reason codes exemplified consumer sentiment. See the list of reason codes below: Card Network. The chargeback process can last from one month to six months. Chargeback Reason Codes. Know Which “Compelling Evidence” Is Required. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. 4 Funding Process. A chargeback is a transaction reversal resulting from a credit card payment dispute. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. FR4 — Immediate Chargeback Program. FR2 Full Recourse FR3 Full Recourse FR4 Full Recourse FR5 Full Recourse M01 Acct Notice - processed Chargeback authorization M02 Acct Notice - processed your credit M03 Acct Notice - processed your credit M04 Acct Notice - debit standsthat the transaction was either approved online by the issuer or offline by the chip. Amex. It is important to check the time limit in chargeback reason codes because it determines how long a cardholder has to initiate a chargeback after a transaction has taken place. Based on the information provided, Paymentology will investigate the transaction being disputed. In the distribution industry,. Customers cannot dispute pending credit card transactions; they have to wait for it to actually post to their account before they can initiate a dispute. Check with the issuing banks to determine what time limits may apply to you. Documentation must be a direct result of cardholder communication. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. 4. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. The major card networks have unique reason code systems, and banks use separate tools. Chargebacks are a major threat to businesses big and small. April 2018_Chargeback Reason Code Encyclopedia. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. But cardholders and merchants have different time limits. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. R01. The following are some examples: Visa Reason Code 13. What Are Chargeback Reason Codes? Chargeback reason codes identify the general reason behind a chargeback. Fight; Prevent; Recover; Resources. A chargeback guarantee is a service provided by third-party vendors that protects merchants against the financial impact of chargebacks. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. The first two digits indicate which category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. When you receive a chargeback request, respond promptly with any relevant information or evidence that supports your case. Here are some steps you can take to handle chargeback requests: 1. 1 Quick Reference Lead. So don’t spend another second worrying about chargebacks. A service chargeback is filed by a customer, which means that you need to note the card type and dispute reason code so that you can determine which types of information to submit if you dispute the claim. To start a chargeback process on your AmEx card, follow these steps: Get in touch with American Express by logging into your account. Promo Abuse. Preventable Reversible. About American Express chargeback reason codes. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal. WEX began issuing chip cards in Q4, 2020. Dec 6, 2021 — Betty's bank issued the chargeback for $9. Chargebacks were introduced as a form of consumer protection against. When the customer disputes a charge, the issuing bank then begins the chargeback process. Chargeback reason codes. Subscribe today to our newsletter and stay up to date with all events coming straight in your mailbox:What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. Code structure. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. Chargeback Reason Codes by Lan - 2023 Guide. 0 is to make the chargeback process more efficient, transparent, and fair. MONTECILLO and LIZA M. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. So the company has more incentive to side with customer during cardholder. Those reasons are explained through the corresponding reason codes. 4763: FR2: Full recourse: A cardholder is claiming that they did not authorise or participate in a transaction that you. Reason Code Description A01 No valid authorization/excessive amount. underlying your chargeback. Unauthorized returns (R05, R07, R10, R29, R51): 0. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. “Credit Not Processed,” the reason code for unreceived refunds, accounted for 12% of consumer disputes at the height of the pandemic. Reason Code: 10. Values are: Blank: Use the draft G/L date. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. This can be transaction receipts, proof of. High Level Visa Chargeback Dispute Flow. 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 is validThe nature of the threat makes it a moving target. The third digit indicates the specific reason within that category. The reason codes are grouped into several broad. Write Off Reason Code . [noun]/rə • fənd • frôd/. com. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Click on “report a problem” and select the transaction in question. The customer is claiming that this purchase was not authorized. Info Us; In and. Fraudulent TransactionsThe reason code may not necessarily reflect the actual reason for the chargeback, but you ought to respond to it based on the provided chargeback code. Chargeback Reason Codes by Mesh - 2023 Guide. Technical. Home; For Business. Spot these types of chargebacks using the below reason codes. According to Nilson, 56% of global card transactions were done on Visa in 2015. Essentially, even a $50 chargeback can become $125 with all the extra fees. When a customer decides to dispute a charge made to their debit or credit card, it is referred to as a chargeback. txt) or read online for free. Moreover, there are other two categories to handle the Amex chargeback: inquiry and chargeback programs. Promo abuse can refer to any situation in which customers take advantage of a business’s promotional offer, in a way which was not intended by the merchant, for the purpose of monetary gain. 103. Any chargeback that is received without a reason code will be assigned a default code of 53. There are 151 chargeback reason codes across the four major card networks. Vantage HouseChargeback Reason Codes Card Type Reason Reason Text Chargeback Category Preventable Reversible Code DISCOVER 4502 IC-Illegible Sales Data Request forConsider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). 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. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. reason codes. The newer system is designed to. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. Fight; Prevent; Recover; Resource. Last updated: October 15, 2019 . In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. This can happen to merchants in a high-risk credit card processing category. This chargeback occurs when merchants do not adequately provide currency information. The bottom line: true fraud and chargeback prevention requires a more comprehensive. Chargeback Base Codes by Network - 2023 Guide. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. These codes are broken down into five different category. 6. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Chargebacks. 1 Page 4 of 5 Chargeback Reason Codes. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. Chargeback reason code. France saw a drop of roughly 50% during the same period. There is a USD 25 limit for the First Chargeback (Reason Code 22). • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Here’s how your store can prevent and deal with chargebacks. Thus, the easiest way to prevent chargeback reason code 75 from being. 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. Reason Code 53 Re-presentment Conditions. message. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. 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. Fight; Hinder; Recover; Resources. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Auto Write Off. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. A reason code is how banks categorize the reason for a chargeback. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration. Category. Please refer to chapter 5 for more information. Complete Guide to Visa Compelling Evidence Update CE 3. The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. A chargeback reason code can offer merchants a lot of information, including which chargebacks you should fight and how to rework your return policy. Save finalize leaders includes the chargeback good codes off each of the four major card networks. A CVV2 code is a 3-digit code located on the back of a Visa credit, debit, or prepaid card. But why do they happen? 4 common types of hotel chargebacks. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. All chargebacks start with a customer making a purchase in person, in an app, or online. The business has the chance to refute the chargeback. Updated August 23, 2023. It gets worse. Ideally, a chargeback report should contain all of the available data on chargebacks incurred by a merchant. Merchants and Partners can request that Forte remove an account from the "Known Bad Accounts" database by calling Customer Service at 800-337-3060 option 1. American Express . Other Fraud—Card Present Environment. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. ’Collect Compelling Evidence. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. “Visa has 28 different reason codes. The customer regrets their purchase. RDR will send an alert to the merchant, who can either initiate a refund to end the dispute or accept the chargeback. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. Coupons and promo codes are designed to attract new customers. e above 0. However, Visa is the largest card brand in both the United States and the world. compliance process depending on whether a chargeback right exists. There are two parts to this. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. eBay levies a $20 chargeback fee along with any other sale reversals included in the standard chargeback process for lost disputes. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. Like definitive guide involves the chargeback reason laws upon each of the four major cards networks. Reason Text. Non-Receipt of Goods or Services. For this reason, you must document all debit and credit card transactions and adhere to the strict rules set by the card networks. UA02 Fraud – Card Not Present Transaction. Note. A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. If the order was genuinely not as described, then the cardholder has a case. 1. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. F01. 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. 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. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. In most cases, the bank chooses a course of action based on information the cardholder provides. Code 4807: Fraudulent Card-Present Transaction. A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. For perspective, the next highest. Discover chargeback reason code 7030. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. Request for Information. A01 | A02 | A08. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831 Transaction Amount Differs 4834 Duplicate. Technical. for chargeback reason code 4863 (Cardholder Does Not Recognize). Fine Period - month 2 or 3. Mastercard Chargeback Reason Code 71: Disputed Amount. This list can provide you with a brief detail on the reasons for chargebacks. This chargeback reason code was retired by Visa in April 2018. Mastercard Chargeback Reason Code 73: Duplicate Transaction. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Amex Fraud Chargeback Reason Codes FR2 — Fraud Full Recourse Program. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. The chargeback initially results in the debit or credit card charge being reversed and the funds that you received for the payment being returned to the customer. Previously, Visa expected the disputing member to start the dispute by filing a pre-compliance chargeback under reason code 98 (now obsolete). Ethoca alerts can prevent chargebacks before they hit your bank account. The system posts separate line item for each chargeback code in AR document and for each of the reason code system captures the reference information from lockbox file in the text field of. American Express reason code 155, Visa reason code 30, MasterCard reason code 4855, and Discover reason code 4755 are all specific reason codes for Shopify payment chargebacks. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. Once filed, the merchant generally has 20 days to respond to the chargeback. This reason code indicates that the merchant. 102. 65 fee for uploading scanned documents. F02. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. Select the value “open”. . Click “filter orders”. 2. A new 4 byte reason code will be used moving forward. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. Reason Code 81: Fraud. 1: Use the corresponding dates from the invoice. Discover is a credit card network and an issuing bank—just like American Express. Updated: Valid values updated. US and Canada. American Express is incentivized to keep their customers happy. The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. It is subject to change and may not include every currently known dispute reason code. ) and ELISEA B. Using the same link provided above, contact PayPal to report the scam. These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute. A double refund chargeback occurs when a cardholder requests a refund for a transaction, then files a chargeback for the same purchase. These codes will explain why the chargeback was filed. Try Shopify free for 3 days, no credit card required. chargeback management with an easy to use online system. Chargeback Reason Coded by Network - 2023 Guide. Usually, this will automatically be done by the processing system, or by an indicator button. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. A chargeback reason code can offer merchants a lot of information, including which chargebacks you should fight and how to rework your return policy. Here’s how. September 2011: 5. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. the Chargeback. 7 downloads 2 Views 352KB Size. Overall returns (all codes): 15%. Card Brand Code Description. With that said, you still need to understand the reason codes with any chargebacks from Amex. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. R03. A reason code or a chargeback reason code is a string of symbols (numbers and letters). If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. If the customer’s story matches. EMV Liability Shift Non-Counterfeit Fraud. Before the cardholder can file a chargeback, they must give a reason to their card provider. Once filed, the merchant generally has 20 days to respond to the chargeback. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. The card provider then processes this information and determines the. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. Different card networks have different reason code systems. Reason Codes Category 4: Processing Errors. As a merchant, you face the brunt of chargeback losses. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. “CVV2” refers to the fact that it is the second-form deployment of CVV (card verification value) technology. If you’re not, there’s a good chance you’re about to see a high volume of chargebacks with “fraud” reason codes come pouring in. If a criminal manages to defeat the technology and complete an online. Solution. 3 No Authorization. This scenario applies when the arbitration was raised by either the. Chargeback reason codes vary by the credit card company. Some crucial examples of specific documents used as compelling evidence are as follows: Delivery confirmation of the order; Conversations with the customer; Verification codes (AVS, Authorization, Card Security Code, 3D Secure 2. 4812 Account Number Not On File. 4. American Express chargeback reason codes REASON ODE ENCYCLOPEDIA sift. When one cardholder initiates a dispute with their issuing bank, a. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how to prevent disputes in the future. Note: If the system generates a stand-alone chargeback, the G/L offset field is blank. Card Type. 101. When you do the math, you are looking at a $5,000 penalty per month, along with a chargeback fee of $15-$30 per chargeback, and all the other associated costs. 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. The chargeback is ordered by the bank that issued the consumer's payment card. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. com you have received an email. Author: Isaac Lambert. Reason codes are very crucial to assist. What are Chargeback Reason Codes? Chargeback reason codes are issued by the bank when a customer files for a chargeback. The cardholder initiates contact with their bank or credit union to file a dispute. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. FAQ: What remains Chargeback Representment? TIPS. Chargeback reason codes are one piece of evidence you can use to make your case. Additionally, Amex uses a fifth "Miscellaneous" category.