Chargeback Reason Codes

Chargeback Reason Codes Card Type DISCOVER DISCOVER DISCOVER Reason Code 4502 4534 4540 DISCOVER 4541 DISCOVER 4550 DISCOVER 4553 DISCOVER DIS...
Author: Isaac Lambert
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Chargeback Reason Codes Card Type DISCOVER DISCOVER DISCOVER

Reason Code 4502 4534 4540

DISCOVER

4541

DISCOVER

4550

DISCOVER

4553

DISCOVER DISCOVER

4554 4555

DISCOVER DISCOVER DISCOVER DISCOVER

4586 4594 4751 4752

DISCOVER

4753

DISCOVER DISCOVER

4754 4755

DISCOVER

4756

Reason Text IC-Illegible Sales Data DP-Duplicate Processing UA-Unauthorized Purchase AP-Automatic Payment CD-Credit Posted as a Debit RM-Quality of Goods or Services NC-Not Classified RN-Additional Request/ Non-Receipt of Credit AW-Altered Amount CR-Cancelled Reservation CA-Cash Advance Deposit DA-Declined Authorization Invalid Cardholder number No Authorization Non-Receipt of Goods or Services SV-Stored Value Dispute

Page 1 – Chargeback Reason Codes

Chargeback Category

Preventable Reversible

Request for Information Processing Error Cancelled/Returned by Cardholder Cancelled/Returned by Cardholder Processing Error

YES NO NO

YES NO YES

NO

YES

NO

YES

Cancelled/Returned by Cardholder Other Request for Information

NO

YES

NO YES

YES YES

Processing Error Fraud Other Authorization Error

YES NO YES YES

YES YES NO YES

Authorization Error

YES

YES

Authorization Error Non-Receipt of Goods or Services Cancelled/Returned by Cardholder

YES NO

YES YES

NO

YES

Chargeback Reason Codes Reason Code

Reason Text

Card Type MASTERCARD

4802

MASTERCARD

4803

MASTERCARD MASTERCARD MASTERCARD

4804 4807 4808

MASTERCARD MASTERCARD MASTERCARD MASTERCARD MASTERCARD MASTERCARD

4812 4831 4834 4835 4837 4840

MASTERCARD

4841

MASTERCARD MASTERCARD

4842 4846

MASTERCARD

4847

MASTERCARD

4849

MASTERCARD MASTERCARD

4850 4853

MASTERCARD

4854

MASTERCARD

4855

Requested/Required Item Illegible or Missing Documentation received was invalid/incomplete Duplicate Processing Warning Bulletin File Requested/Required Authorization Not Obtained Account Number Not on File Transaction Amount? Duplicate Processing Card Not Valid or Expired No Cardholder Authorization Fraudulent Processing of Transactions Canceled Recurring Transaction Late Presentment Correct Transaction Currency Code Not Provided Unauthorized transaction exceed floor limit Questionable Merchant Activates Credit Posted as a Purchase Cardholder Dispute Defective/ Not as Described Cardholder Dispute-Not Elsewhere Classified Non-Receipt of Merchandise

MASTERCARD

4857

MASTERCARD

4859

Card-Activated Telephone Transaction Services Not Rendered

Page 2 – Chargeback Reason Codes

Chargeback Category

Preventable Reversible

Request for Information Request for Information Processing Error Authorization Error Authorization Error

YES

YES

YES

YES

NO YES YES

YES NO YES

Authorization Error Processing Error Processing Error Authorization Error Fraud Fraud

YES NO NO YES NO NO

YES YES YES YES YES YES

Cancelled/Returned by Cardholder Processing Error Processing Error

NO

YES

YES NO

NO NO

Processing Error

YES

NO

Fraud

YES

NO

Processing Error Cancelled/Returned by Cardholder Processing Error

NO NO

YES YES

NO

YES

Non-Receipt of Goods or Services Fraud

NO

YES

NO

YES

Non-Receipt of Goods or Services

NO

YES

Chargeback Reason Codes Reason Code

Reason Text

Card Type MASTERCARD

4862

MASTERCARD

4863

MASTERCARD

4903

MASTERCARD

4905

MASTERCARD MASTERCARD

98 99

Counterfeit Transaction Magnetic Stripe POS Fraud Cardholder does not recognize- Possible Fraud Documentation received was invalid/incomplete Invalid Acq Ref Data on Second Presentment Good Faith Collection Pre-Compliance

Page 3 – Chargeback Reason Codes

Chargeback Category

Preventable Reversible

Fraud

NO

YES

Request for Information Other

NO

YES

YES

YES

Other

NO

YES

Other Other

NO NO

YES YES

Chargeback Reason Codes Card Type

Reason Code

VISA 30 VISA

41

VISA

53

VISA

57

VISA

60

VISA VISA

62 70

VISA VISA

71 72

VISA VISA VISA

73 74 75

VISA

76

VISA

77

VISA VISA

78 79

VISA

80

VISA

81

Reason Text

Chargeback Category

Services Not Provided or Merchandise Not Received Canceled Recurring Transaction Not as Described or Defective Merchandise Fraudulent Multiple Transactions Requested Copy Illegible or Invalid Counterfeit Transaction Card Recovery Bulletin or Exception File Declined Authorization Transaction Exceeds Floor Limit Expired Card Late Presentment Transaction Not Recognized Incorrect Curr or Tran Code or Dom Proc Violation Non-Matching Account Number Service Code Violation Requested Transaction Receipt Not Received Incorrect Transaction Amount or Account Number Fraud-Card Present Environment

Non-Receipt of Goods or Services

NO

YES

Cancelled/Returned by Cardholder Cancelled/Returned by Cardholder

NO

YES

NO

YES

Fraud

NO

YES

Request for Information

YES

YES

Fraud Authorization Error

NO YES

YES NO

Authorization Error Authorization Error

YES YES

YES YES

Authorization Error Processing Error Request for Information

YES YES NO

YES YES YES

Processing Error

NO

YES

Authorization Error

YES

YES

Processing Error Request for Information

YES YES

YES NO

Processing Error

YES

YES

Fraud

NO

YES

Page 4 – Chargeback Reason Codes

Preventable Reversible

Chargeback Reason Codes Card Type

Reason Code 83

Reason Text

Chargeback Category

Fraud-Card Absent Environment

Fraud

NO

YES

Cancelled/Returned by Cardholder Processing Error Non-Receipt of Goods or Services

NO

YES

NO NO

YES YES

Fraud

NO

NO

Processing Error

YES

YES

Other

NO

YES

Other Other

NO NO

YES YES

VISA VISA

85

Credit Not Processed

VISA VISA

86 90

VISA

93

VISA

96

VISA

97

VISA VISA

98 99

Paid by Other Means Non-Receipt of Cash or Load Tran Value at ATM/Load Risk Identification Services Transaction Exceed Limited Amount PreArbitration/Arbitration Good Faith Collection Pre-Compliance

Page 5 – Chargeback Reason Codes

Preventable Reversible

Chargeback Reason Codes Card Type AMEX AMEX

Reason Code A02 C02

AMEX AMEX AMEX AMEX

FR2 P08 P17 R01

AMEX AMEX

R03 R04

AMEX

R13

AMEX

M01

AMEX

M04

AMEX

R14

AMEX AMEX AMEX AMEX

R17 S01 R12 R21

Reason Text

Chargeback Category

No Authorization Credit not Processed

Request for Information Cancelled/Returned by Cardholder Fraud Processing Error Request for Information Non-Receipt of Goods or Services Request for Information Cancelled/Returned by Cardholder Request for Information

YES YES

NO YES

NO NO YES NO

NO YES NO YES

YES YES

YES YES

YES

NO

Request for Information

NO

NO

Cancelled/Returned by Cardholder Request for Information

NO

NO

NO

NO

Request for Information Request for Information Request for Information Request for Information

YES NO YES YES

NO NO NO NO

Fraudulent Transaction Paid By Other Means Debit Adjustment Non Receipt of Merchandise Fraudulent Transaction Not as Described or Defective Merchandise Requested Transaction Information Not Received Merchant Accepted Chargeback Merchant Accepted Chargeback Requested Transaction Information Not Received Non Dispute Adjustment Non Dispute Adjustment Notification Non Dispute Adjustment

Page 6 – Chargeback Reason Codes

Preventable Reversible