Chargeback Reason Codes

Chargeback reason codes are used by credit card networks to categorize and communicate the reason for a chargeback dispute. When a cardholder disputes a transaction, the issuing bank assigns a reason code that indicates why the chargeback was initiated. Understanding these codes helps merchants respond appropriately to disputes and implement measures to prevent future chargebacks.

The reason codes are organized by card network and grouped into categories:

Visa

Fraud

Code	Description
57	Fraudulent Multiple Transactions
62	Counterfeit Transaction
81	Fraud – Card-present Environment
83	Fraud – Card-Absent Environment
93	Visa Fraud Monitoring Program
10.1	EMV Liability Shift Counterfeit Fraud
10.2	EMV Liability Shift Non-Counterfeit Fraud
10.3	Other Fraud: Card-Present Environment/Condition
10.4	Other Fraud: Card-Absent Environment
10.5	Visa Fraud Monitoring Program

Authorization

Code	Description
70	Card Recovery Bulletin or Exception File
71	Declined Authorization
72	No Authorization
73	Expired Card
74	Service Code Violation
11.1	Card Recovery Bulletin
11.2	Declined Authorization
11.3	No Authorization

Processing Errors

Code	Description
12.1	Late Presentment
12.2	Incorrect Transaction Code
12.3	Incorrect Currency
12.4	Incorrect Account Number
12.5	Incorrect Amount
12.6	Duplicate Processing/Paid by Other Means
12.6.1	Duplicate Processing
12.6.2	Paid by Other Means
12.7	Invalid Data

Point-of-Interaction Error

Code	Description
74	Late Presentment
76	Incorrect Currency or Transaction Code
77	Non-Matching Account Number
78	Incorrect Transaction Amount or Account Number
82	Duplicate Processing
86	Paid by Other Means

Consumer Disputes

Code	Description
30	Services Not Provided or Merchandise Not Received
41	Cancelled Recurring Transaction
53	Not as Described or Defective Merchandise
75	Transaction Not Recognized
85	Credit Not Processed
90	Non-receipt of Cash or Load Transaction Value at ATM
13.1	Merchandise/Services Not Received
13.2	Cancelled Recurring Transaction
13.3	Not as Described or Defective Merchandise/Services
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 Transaction Value

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Mastercard

Fraud

Code	Description
4837	No Cardholder Authorization
4840	Fraudulent Processing of Transactions
4849	Questionable Merchant Activity
4863	Cardholder Does Not Recognize – Potential Fraud
4870	Chip Liability Shift
4871	Chip/PIN Liability Shift

Authorization

Code	Description
4807	Warning Bulletin File
4808	Authorization-Related Chargeback
4812	Account Number Not on File

Point-of-Interaction Error

Code	Description
4834	Point-of-interaction error
4831	Transaction Amount Differs
4842	Late Presentment
4846	Correct Transaction Currency Code Not Provided
4850	Installment Billing Dispute
4999	Domestic Chargeback Dispute (Europe Only)

Cardholder Disputes

Code	Description
4853	Cardholder Dispute
4841	Cancelled Recurring or Digital Goods Transactions
4854	Cardholder Dispute – Not Elsewhere Classified (US Only)
4855	Goods or Services Not Provided
4859	Addendum, No-Show, or ATM Dispute
4860	Credit Not Processed

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American Express

Fraud

Code	Description
F10	Missing Imprint
F14	Missing Signature
F24	No Card Member Authorization
F29	Card Not Present
F30	EMV Counterfeit
F31	EMV Lost/Stolen/Non-Received

Authorization

Code	Description
A01	Charge Amount Exceeds Authorization Amount
A02	No Valid Authorization
A08	Authorization Approval Expired

Processing Errors

Code	Description
P01	Unassigned Card Number
P03	Credit Processed as Charge
P04	Charge Processed as Credit
P05	Incorrect Charge Amount
P07	Late Submission
P08	Duplicate Charge
P22	Non-Matching Card Number
P23	Currency Discrepancy

Card Member Disputes

Code	Description
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 CARDeposit Cancelled
C28	Cancelled Recurring Billing
C31	Goods/Services Not as Described
C32	Goods/Services Damaged or Defective

Inquiry/Miscellaneous

Code	Description
M10	Vehicle Rental – Capital Damages
M49	Vehicle Rental – Theft or Loss of Use
M01	Chargeback Authorization
R03	Insufficient Reply
R13	No Reply
FR2	Fraud Full Recourse Program
FR4	Immediate Chargeback Program
FR6	Partial Immediate Chargeback Program

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Discover

Fraud

Code	Description
UA01	Fraud – Card Present Transaction
UA02	Fraud – Card Not Present Transaction
UA05	Fraud – Chip Counterfeit Transaction
UA06	Fraud – Chip and PIN Transaction
UA10	Request Transaction Receipt (swiped card transactions)
UA11	Cardholder claims fraud (swiped transaction, no signature)

Authorization

Code	Description
NA	No Authorization
DA	Declined Authorization
AT	Authorization Noncompliance

Processing Errors

Code	Description
IN	Invalid Card Number
LP	Late Presentation

Not Classified

Code	Description
NC	Not Classified

Expired

Code	Description
EX	Expired Card

Services

Code	Description
5	Good Faith Investigation
AA	Does Not Recognize
AP	Recurring Payments
AW	Altered Amount
CD	Credit/Debit Posted Incorrectly
DP	Duplicate Processing
IC	Illegible Sales Data
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

Dispute Compliance

Code	Description
DC	Dispute Compliance

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