”. Reason Code Description 4750 AL Airline Transaction Dispute 4541 AP Recurring Payment• Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. . You can email us at: disputeresponses@barclays. The shorthand description is “Incorrect Transaction Code. As part of its move to support card-not-present merchants and airlines, Visa made changes to the compelling evidence requirements for four key reason codes: Reason Code 30: Services Not Provided or Merchandise Not Received. Chargebacks. Visa’s rules allow merchants to. Chargeback Visa Reason Codes more detail here. R13 No Reply. We’ve all been there as an eCommerce owner: you excitedly ship out a $1,500 order to a customer, and then a few weeks later you’re notified that the customer has opened a chargeback dispute. Try Shopify free for 3 days, no credit card required. Date Option. Each card company has its. The reason code assigned helps to identify the evidence the Merchant needs to show as proof that the transaction was valid. The good news is that most of these invalid claims are disputable by the merchant. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. 24%: 60. Every chargeback is filed with a reason code that identifies the given reason for the dispute. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. 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. In the case where goods or services are to be delivered, Cardholders can disputeVisa chargebacks can be a major inconvenience for merchants. 0 initiative to update compelling evidence requirements for dispute reason code 10. Often, consumers misuse or intentionally abuse the chargeback process to receive free products, which is commonly referred to as “friendly. 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. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. 3: Added maximum length information for the following: Claimant Email Address Claimant Name Credit Card Chargeback Reason Code Dispute Amount Seller Protection Payout Amount: October 2012: 7. Updated these Discover Chargeback Codes: U05, U06. Chargeback companies can assist merchants in navigating these processes, and work with them to develop a comprehensive chargeback prevention strategy. Issue a refund because they don’t accept returns, but they failed to communicate this policy to the customer clearly. Floor limits are typically specified in merchant processing agreements, and the exception file is part of the merchant banks or the merchant account providers transaction. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). Chargebacks are not a legal right, but if you have paid on a Visa debit or credit card, you. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. Reason codes vary by card brand. When a merchant processes a transaction against a counterfeit card in a. Take, for example, a reason code 4853 chargeback claiming that. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. UA01 Fraud – Card Present Transaction. Recurring billing transactions are a frequent source of conflict, disputes, and. 70. 1Chargeback Reason Codes by Industry. It's an incentive for merchants to avoid chargebacks as much as possible. Fraudulent Activity. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. ”. Another downside is that chargebacks on annual subscriptions. 6: Credit not. Your chargeback response must include at least one of the following items: Proof the transaction was authorized and the valid card was not an EMV chip card. In the case of an arbitration chargeback, though, the issuer must file within 45 calendar days of the second presentment settlement date. The shorthand description is “Incorrect Transaction Code. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. The shorthand description is “Chip Liability Shift. All ACH return reason codes consist of the letter “R” followed by two. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Here are just a few of the most. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. 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. Stage 1: First Chargeback. However, Visa is the largest card brand in both the United States and the world. Reason Code 02. 4. 1 falls under the “Processing Errors” category. 4846 — Incorrect Currency Code. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. If the order was genuinely not as described, then the cardholder has a case. Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment) 2. Not recognizing your billing descriptor on a statement. This reason code is assigned when. This Visa chargeback condition is very common. 65% with at least 75 total disputes. Clerical Acquirer Use of Message Reason Code 7623. 2. Visa chargeback reason code 10. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. 3 –. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing 70 (1) Card Recovery Bulletin. It’s based on a proven technology that has demonstrated effectiveness against online credit card fraud. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Updated Disputes/Chargeback Policy Coming April 2024Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. 4859 Addendum, No-show, or ATM Dispute. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. Responding to Mastercard Reason Code 4853 Chargebacks. com shows that more than a quarter of. EMV has been a mostly global standard since 2004. What are reason codes?. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. ~70%. Try Shopify free for 3 days, no credit card required. For example, most cardholders can only file a chargeback within 120 calendar days of the initial transaction. The transaction should have been terminated. Code 10. By entering your email, you agree to receive marketing emails from Shopify. This is commonly caused by either true fraud or friendly fraud. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. 3. These are only a handful of common Visa chargeback reason codes. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a chargeback. many chargeback reason codes that exist today. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some instances. Older time limits for disputes vary based on reason code; in many cases buyers have 120 days after a purchase to file a chargeback. The financial impact of fraud and chargebacks becomes greater during a recession. The good news is that most of these invalid claims are disputable by the merchant. Visa Chargeback Reason Codes. Specifically, these updates only pertain to transactions that are charged back after Oct. UA05 Fraud – Chip Counterfeit Transaction. Download this sample Chargeback Rebuttal Letter. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. A chargeback is a reversal of funds following a debit or credit card purchase, set in motion when the customer files a dispute over the charge with their bank or credit card provider. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Reason. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Reason Code: Numeric: Code for the chargeback request (see below). Reason Code 12. For example, 10. The shorthand description is “Goods/Services Not as Described. Last updated: October 15, 2019 . The chargeback reason code. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. 1, 5 January 2016. This may be done by either the merchant or the issuing bank. Our expert analysts will fight and recover your chargebacks, so you can focus more on your business. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. During an economic recession, the average percentage of revenue lost to a fraudulent transaction increases by 39%. Proof you have already refunded the transaction and credited the cardholder’s account. Recurring billing transactions are a frequent source of conflict, disputes, and. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. Visa Chargeback Reason Codes; MasterCard. The terminal action codes are in Table 122 of the 4. It was originally just one facet of legacy reason code 81. 70 Account number on exception file; 71 Declined authorization; 72 No authorization obtained; 73 Expired card;Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. They can also be caused by a merchant failing to process a cancellation promptly. 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. M01 Chargeback Authorization. for chargeback reason code 4863 (Cardholder Does Not Recognize). 41 Reason Code 72: No Authorization. Here are some chargeback reason codes by card type. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. Chargeback reason code 10. 4512:In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. non_receipt: The buyer claims they didn't get the goods or services. com But it’s important that you make sure: your full case ID is detailed in the document name and the subject. Carefully analyze the reason provided by the cardholder for the chargeback. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. These chargebacks occur to resolve chargeback-related disputes between network members. Information on proper voice authorization procedures may be needed for ‘referral’ responses. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. The chargeback can be for the total transaction amount or a lesser amount. It can range from 60 to 120 days from the billing date. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. Each card network has their own set of chargeback policies and reason codes, and they frequently change them. Ensure that the digits of the. What is a chargeback time limit? The chargeback response time limit is a. 10. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Protect stored cardholder data. M49 Vehicle Rental – Theft or Loss of Use. In 2021, the last parts of the EMV liability shift finally rolled out, removing the exception for self-service fuel pumps that had been in place since the beginning of the shift. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002. The use of this reason code indicates that the cardholder does not recognize the transaction as it appears on their bank statement. 4853 – Cardholder Dispute – Credit Posted as a Purchase. 39%: 65. The network hasn't wholly disallowed some old codes. 4: Other Fraud–Card-Absent Environment. FR4 Immediate Chargeback Program. 6. 4 Other Fraud Card Absent. 6 Processing Transactions 7 Processing Transactions Swiping a Card Before swiping, make sure the stripe is facing the reader. We say the given reason because it may or may not reflect the true reason. Visa Visa Chargeback Reason Codes The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. While there are many chargeback reason codes, all chargebacks fall into one of three categories:A study by the Federal Reserve Bank of Kansas City, for example, found that merchants were found liable for 70 to 80 percent of chargebacks analysed by the researchers. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 1. The cardholder claims they were charged multiple times for a single transaction. Understand the reason for the chargeback. What is Visa chargeback reason code 13. Visa Chargeback Reason Code 70: No Verification/Exception File Description The buyer’s bank received a transaction that was below the merchant floor limit and. Invalid Reasons for a DisputeACH Return Codes. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. Added the following fields - Store ID, Credit Card Chargeback Reason Code. Use clear and consistent billing descriptors. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. From there, a merchant can accept the chargeback or take action through the representment process to attempt to have the chargeback reversed. 11, 16. For example, 'R04' indicates that an invalid account number was. MasterCard chargeback reason code 4540. Description. There are several reasons why many merchants turn a blind eye to suspected return fraud. However, it is important to note that this reason code is based on the reason given by the customer to their bank. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)There are over 80 unique return codes, and each one represents a different type of return. The Most Common Chargeback Reason Codes you should know. Below are some examples of more common reason codes. Mastercard Chargeback Reason Codes. Merchants. Most reason codes apply to any merchant, regardless of what’s being sold. Description: Not Sufficient Funds - Not Sufficient Funds, NSF, Insufficient Funds, ISF are the same message. Chargeback Representment. Specify the default reason code to. 3. Mastercard chargeback reason code 4871 is one of the numeric labels assigned by banks to customer disputes, indicating the given reason for the claim. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. 1st Chargeback. There are two parts to this. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. 17 9. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. Auto Write Off. Take the time to note the following dispute reason codes for Visa. Visa chargeback reason code 75 is filed as an honest mistake. Try Shopify free for 3 days, no credit card required. . Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. If using any other currency than this, it should be equivalent to the specified amount. 6: Duplicate processing/Paid by other means. 2 chargebacks are frequently caused by customers forgetting to cancel a subscription before the next billing and then going to their bank to try to get their money back. Before we get on with investigating these chargeback reason codes across networks and sharing. A new 4 byte reason code will be used moving forward. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Visa groups its various reason codes into several broad dispute categories. 00: The amount of the transaction. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. These companies can also handle the entire representment process. In the case of friendly fraud, that reason could be completely invalid and. We would like to submit compelling evidence that the purchase was legitimate. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. Mastercard: n/a This chargeback is caused by Authorization. Once you receive this notification, you have 11 days to submit a response. This code applies when a transaction was processed without acquiring authorization…but the card used in the transaction was listed in the Visa Card Recovery Bulletin (CRB). It can include instances where the card was lost or stolen, as well as situations where the card information was. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. Card Recovery Bulletin Authorization Visa Code: 11. Each chargeback is assigned a reason code that explains the justification for the chargeback. UA02 Fraud – Card Not Present Transaction. 10. ’A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. The aim of CE 3. This release also includes the latest MasterCom related change i. Each code begins with 'R' followed by a two digit number. Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable. MASTERCARD. Contact point of sell out dealer and make sure that the point of sell out terminal has been registered to. The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. Reason code=108(chargeback) Reason code=109(Pre-arbitration). Studying and fighting disputes will help you learn why they’re happening to you, and. Reason Codes Category 4: Processing Errors. Below is a list of Mastercard chargeback codes used in eCommerce. Several reason codes fall under this heading, and it is important to differentiate between chargebacks with reason code 4870 (Chip Liability Shift) from those with reason code 4871 (Chip Liability Shift Lost/Stolen/Never. Chargebacks are something every business wants to avoid, as they can. Values are: Blank: Use the draft G/L date. The cardholder’s bank assigns a reason code to each chargeback before sending it to the merchant. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. This can provide important information to fight the dispute. 4853 – Cardholder Dispute – Credit Not Processed. S. Each chargeback reason code has specific rules and documentation requirements. By entering your email, you agree to receive marketing emails from Shopify. 40 Reason Code 71: Declined Authorization. The U. Dec 6, 2021 — Betty's bank issued the chargeback for $9. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Terms and conditions. This extra step can be frustrating for Card Members and lead to lost sales. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. Each chargeback is assigned a reason code that explains the justification for the chargeback. Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. Every chargeback comes with a reason code. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. Chargeback. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Track ROI with savings and win ratios at your fingertips. When you receive notification of a payment dispute or chargeback you may see a code listed with it. When appropriate measures are taken, merchants can reduce their chargebacks by about 70%. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. . This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. It is a valuable resource for anyone involved in the payments industry. . These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). 70 Chip liability shift – the cardholder denies authorising or participating in the disputed transaction. The shorthand description is “Transaction Not Recognized. Once you hear from. Depending on the code, that could mean gathering proof of authorization, signed receipts, proof of delivery, email correspondence and/or the cardholder’s IP address with transaction date and time for online purchases. 70 (1) Card Recovery Bulletin. The cost of fraud relative to the transaction amount also increases by 12%. Use standard authorization criteria with Issuer retaining chargeback rights: 7: CAVV failed verification (attempt) – Issuer approves authorization:. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. 634. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet phone, or mail orders. In most cases, you will have 20-45 days in which to respond to a chargeback. During an economic recession, the average percentage of revenue lost to a fraudulent transaction increases by 39%. Learn about the different chargeback reason codes and what they mean. 7. 02/10/16 Added Debit Chargeback Reason Codes. Credit and debit card issuing networks created chargeback reason codes. American Express . Also, just like American Express, Discover functions as both a card network and an. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. Declined Authorization Authorization Visa Code: 11. This reason code indicates that the merchant processed a transaction using the wrong transaction code. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. 4 to this dispute, indicating the purchase was fraudulent in a card-not-present environment. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Each chargeback comes with a reason code indicating why a transaction is being queried. You should always fight illegitimate chargebacks, but first make sure you have the right evidence. But, it could be up to 540 days, in some situations. Both EFM and ECM measure compliance at the MID level. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Chargeback Reason Code. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims. The financial impact of fraud and chargebacks becomes greater during a recession. Mastercard asserts that SecureCode will prevent unauthorized charges and reduce fraud. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. Below is a list of Mastercard chargeback codes used in eCommerce. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized face-to-face. Estimates show that friendly fraud accounts for 70% of all chargebacks. The chargeback reason codes below explain why this happened. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. com shows that more than a. [noun]/* rēzən kōd / 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. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. F01. This chargeback occurs when merchants do not adequately provide currency information. the reason code doesn’t reflect the real reason for the dispute. ACH return codes identify the reason an ACH payment was returned by the recipient's bank. Duplicate Processing - 81How you respond is determined by the chargeback reason code: Embed This Graphic. Bank of America issues both Mastercard- and Visa-branded cards, so the exact requirements may vary depending on the Mastercard reason code or Visa reason code . You’ll put that reason code, the transaction amount and authorization number, and state that the. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. Here are some chargeback reason codes by card type. 99. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. In that case, Chargeback Reason Codes is a set of alphanumeric. 2. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. A chargeback happens when a customer requests for a transaction to be reversed. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRR Mastercard chargeback reason code 4870 falls under the “Fraud” category. A reason code is how banks categorize the reason for a chargeback. In fact, the same thing could be said of other chargeback reason codes, too. The cardholder claims either that the merchandise was never. The shorthand description is “EMV Liability Shift Counterfeit Fraud. Chargeback. You take approval before processing, right? If you have been accepting credit cards, you must have learned what will happen if you don’t. 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. “American Express Chargeback Reason Codes | Sift”. 3: Goods or services were not as described: C31: RM: 13. 00 EUR as a Withdrawal fee. Complete Guide to Visa Compelling Evidence Update CE 3. reason code information. This can be transaction receipts, proof of. When one cardholder initiates a dispute with their issuing. If you don’t reply in time or with . For Visa disputes, the reason code also dictates which workflow the case will take. Spot these types of chargebacks using the below reason codes. . The codes also appear on financial reporting associated with disputes. The charge you submitted did not receive a valid authorization approval code for the amount of the. Chargeback reason code. com. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. 0 only applies to reason code 10. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. France saw a drop of roughly 50% during the same period. . Unfortunately, the final decision in such cases comes down to the issuing bank, and not. Visa chargeback reason code 75 is filed as an honest mistake.