Chargeback reason codes

Lookup card-network chargeback reason codes and the evidence required to win your dispute.

VISA

• 10.1 - EMV Liability Shift Counterfeit Fraud
• 10.2 - EMV Liability Shift Non-Counterfeit Fraud
• 10.3 - Other Fraud-Card-Present Environment
• 10.4 - Other Fraud-Card-Absent Environment
• 10.5 - Visa Fraud Monitoring Program
• 11.1 - Card Recovery Bulletin
• 11.2 - Declined Authorization
• 11.3 - No Authorization
• 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
• 13.1 - Merchandise/Services Not Received
• 13.2 - Cancelled Recurring
• 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
• 75 - Transaction Not Recognized
• 81 - Fraudulent Transaction - No Authorization
• 83 - Fraudulent Transaction - Card-Absent Environment
• 30 - Services Not Provided / Merchandise Not Received (Legacy)
• 41 - Cancelled Recurring Transaction (Legacy)
• 53 - Not as Described (Legacy)
• 57 - Fraudulent Multiple Transactions
• 62 - Counterfeit Transaction (Legacy)
• 71 - Declined Authorization (Legacy)
• 72 - No Authorization (Legacy)
• 73 - Expired Card (Legacy)
• 74 - Late Presentment (Legacy)
• 76 - Incorrect Currency or Transaction Code (Legacy)
• 77 - Non-Matching Account Number (Legacy)
• 78 - Service Code Violation (Legacy)
• 80 - Incorrect Transaction Amount or Account Number (Legacy)
• 82 - Duplicate Processing (Legacy)
• 85 - Credit Not Processed (Legacy)
• 86 - Paid by Other Means (Legacy)
• 90 - Non-Receipt of Cash from ATM (Legacy)
• 93 - Merchant Fraud Performance Program (Legacy)
• 96 - Transaction Exceeds Limited Amount (Legacy)
• UA01 - Fraud - Card Present
• UA02 - Fraud - Card Not Present
• UA32 - Fraud - Card Not Present Mail/Phone
• UA38 - Fraud - Recurring Transaction

MASTERCARD

• 4807 - Warning Bulletin File
• 4808 - Authorization-Related Chargeback
• 4812 - Account Number Not on File
• 4834 - Point-of-Interaction Error
• 4837 - No Cardholder Authorization
• 4840 - Fraudulent Processing of Transaction
• 4841 - Cancelled Recurring Transaction
• 4842 - Late Presentment
• 4846 - Correct Transaction Currency Code Not Provided
• 4849 - Questionable Merchant Activity
• 4850 - Installment Billing Dispute
• 4853 - Cardholder Dispute
• 4854 - Cardholder Dispute - Not Elsewhere Classified
• 4855 - Goods or Services Not Provided
• 4859 - Services Not Rendered - Airline
• 4860 - Credit Not Processed
• 4862 - Counterfeit Transaction Magnetic Stripe POS Fraud
• 4863 - Cardholder Does Not Recognize - Potential Fraud
• 4870 - Chip Liability Shift
• 4871 - Chip/PIN Liability Shift
• 4880 - Late Presentment / Duplicate
• 4999 - Domestic Chargeback
• 08 - Requested Transaction Information Not Received
• 31 - Disputed Amount
• 34 - Duplicate Processing
• 37 - No Cardholder Authorization (Legacy)
• 40 - Fraudulent Processing of Transactions (Legacy)
• 41 - Cancelled Recurring Transaction (Legacy)
• 42 - Late Presentment (Legacy)
• 46 - Correct Currency Code Not Provided (Legacy)
• 49 - Questionable Merchant Activity (Legacy)
• 50 - Installment Billing Dispute (Legacy)
• 53 - Cardholder Dispute (Legacy)
• 55 - Goods or Services Not Provided (Legacy)
• 60 - Credit Not Processed (Legacy)
• 62 - Counterfeit Transaction (Legacy)
• 63 - Cardholder Does Not Recognize (Legacy)
• 71 - Declined Authorization (Legacy)

AMEX

• A01 - Charge Amount Exceeds Authorized Amount
• A02 - No Valid Authorization
• A08 - Authorization Approval Expired
• C02 - Credit Not Processed
• C04 - Goods / Services Returned or Refused
• C05 - Goods / Services Cancelled
• C08 - Goods / Services Not Received or Partial
• C14 - Paid by Other Means
• C18 - No Show or CARDeposit Cancelled
• C28 - Canceled Recurring Billing
• C31 - Goods / Services Not As Described
• C32 - Goods / Services Damaged or Defective
• F24 - No Cardmember Authorization
• F29 - Card Not Present
• F30 - EMV Counterfeit
• F31 - EMV Lost / Stolen / Non-Received
• P07 - Late Submission
• P23 - Currency Discrepancy

DISCOVER

• AT - Authorization
• CD - Credit/Debit Posted Incorrectly
• DA - Cardholder Dispute Not Elsewhere Classified
• IC - Illegible Sales Data
• IN - Invalid Card Number
• LP - Late Presentation
• NA - No Authorization
• NC - Not Classified
• NF - Non-Receipt of Cash from ATM
• RG - Non-Receipt of Goods or Services
• RM - Cardholder Disputes Quality of Goods or Services
• RN2 - Credit Not Processed
• UA - Unauthorized Purchase - Card Not Present