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
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
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