VISA. Visa Chargeback Reason Codes. Visa, MasterCard, and American Express all list compelling evidence by reason code. Whether your chargeback is based on fraud or a consumer dispute, you need to file your claim under the appropriate reason code. Visa’s Reason Codes follow a format of two digits, a period, and a third digit. The shorthand description is “Warning Bulletin File. This reason code means that the customer claims to have received goods or services that were damaged, defective, or otherwise unacceptably faulty. For example, the merchant bills the cardholder in installments. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. Chargeback Reason Codes. MasterCard Chargeback Reason Codes. Blog. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. Mastercard chargeback reason codes are four numerals without decimals. Meanwhile American Express limits the phases of a credit application to 20 days, while MasterCard restricts phases to 45 days. Four reason codes have modified time frames: Reason Code 10. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. 3. ”. Chargeback reason encrypted were created to standardize the list of acceptable reasons why a bank may file a credit card chargeback or debit chargeback on their customer’s behalf. 1: Card Recovery Bulletin: 11. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Chargeback Reason Codes List for Visa. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. Visa Chargeback Reason Code 85. eCommerce grew too fast for the payments industry to respond. 3 No AuthorizationChargeback reason code 11. Reason . Net (from Visa) supports all major credit cards, including Visa, Mastercard, American Express, Discover, Diner’s Club, and JCB. ACH return codes are a type of shorthand for specific information concerning the return, much like the. In most cases, you will have 20-45 days in which to respond to a chargeback. This reason code is used for disputed Card Not Present (CNP) transactions without a 3D. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. If the bank does file a chargeback, they’ll transmit the dispute information to the merchant’s bank. e. UA05 Fraud – Chip Counterfeit Transaction. Vantiv transmits the MD-413 for First and Second Chargeback Prenotification for Visa/MasterCard to agencies seven (7) days a week. The most comprehensive guide to chargeback reason codes. 0. What is a reason code? 3. This list was generated 5/4/2022. Under Visa’s previous chargeback rules, merchants could contest a reason code 10. This would be filed using reason code 12. Visa Code. Batch chargeback process. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. Nor is the situation static. Cardholder can dispute transaction up until Day 90 for reason code 4808 on MasterCard (see Appendix for details), Day 60 for reason codes 4801 and 4802 (see Appendix for details). 10. 2, and 13. It depends on the chargeback reason code associated with the dispute. As mentioned earlier, the given reason for a chargeback may be far different from the actual reason. 1 is an updated version of legacy reason code 30, which was phased out under the Visa Claims Resolution initiative. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. The major card networks (Visa, Mastercard, Discover, and American Express) established these codes to clearly identify the reason a chargeback was. Multiple fees can be attached to each claim, and they add up quickly. V30. PDF 39 KB June 16, 2010. It’s even more frustrating if you don’t understand what the. A chargeback with reason code 4853 may refer to disputes where the customer claims that a charge on their account is invalid. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. With the overhaul of their reason code system, Visa divided reason. 0 Could Impact Your Business: Pros & Cons. To return the originalReference in the SECOND_CHARGEBACK webhook: Log in to your Customer Area; Go to Developers > Webhooks. There are over 80 unique return codes, and each one represents a different type of return. Complicating things further, friendly fraud doesn’t provide you with any red flags. 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. Clearly differentiate between card-present and card-absent transactions by noting mail. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. FR6 Partial Immediate Chargeback Program. 4, MasterCard 4837, AMEX F29, Discover UA02, and so on). Chargebacks with code 4836 were easy to file and hard to contest, meaning the code was commonly misused by cardholders and issuers. Pre-arbitration will replace second chargebacks for the following reason codes:This is Visa’s list of high risk MCCs: 5962 - Direct Marketing—Travel-Related Arrangement Services;. 3 applies when a cardholder claims a charge—made in a card-present environment—was. Some of these reason codes are specifically designated to apply to authorization-related issues. For all other transactions, the maximum amount of. This reason is made visible to all parties involved. Get of Visa’s current reason codes were condensed into four key groupings: fraud, authorization errors, processing fault, and my disputes. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. 1 EMV Liability Shift Counterfeit Fraud 81(3) 10. Visa also overhauled its system of chargeback reason codes. 2 falls under the “Processing Errors” category. The chargeback process can last from one month to six months. When you receive notification of a payment dispute or chargeback you may see a code listed with it. ” This code indicates the transaction was processed using the wrong Merchant Category Code, transaction type indicator, country or state code, or some other required field. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution. Chargebacks911 can create a customized solution to fit your specific. Nor is the situation static. ”. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. may be reversed if merchant can provide proof that the correct fare was quoted to Cardholder; That<br />. The Visa chargeback reason codings system underwent a major overhaul in May 2018 as part of their new Visa Claims Resolution (VCR) initiative. Declined Authorization Authorization Visa Code: 11. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. 9 was previously covered by legacy Visa reason code 90. Select a tab to see the possible. 13. Fraud Blacklisting vs. ”. These codes are broken down into five different category. Card Number:. S. The network. About Visa chargeback reason codes. But, it could be up to 540 days, in some situations. This standard only applies to chargebacks with Visa reason code 10. They must respond within 30 days at each phase, or 10 days for arbitration. Credit not processed. Before VCR, Visa reason codes were two-digit numbers that often seemed like they were assigned completely at random. 1: The chargeback time limits may be altered if the resources were assumed to deliver after the execution time period of the payment also. 4853 Cardholder Dispute. 15, 2021. Except for Reason Code 75, the time limit is calculated from one of the following: Fraud chargeback reasons. Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment) 2. For each reason code, a definition isSome costs come directly from Visa and are set by the network. At times, you will see friendly fraud chargebacks with this reason code because the cardholder wasn’t paying close attention to taxes, fees. This code indicates that the merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, and submitted the transaction anyway. Discover: Reason Code 4755 Non-receipt of goods or services. If the dispute involves a non-Visa card, the dispute can be paused for up to 72 hours for the merchant to respond. Message. 13. 4 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. Each bank card network has its owner list of reason codes banks must prefer from. Preventing & Disputing Chargeback Reason Code 10. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. Of course, these codes can still change at any time. ” This code indicates the cardholder is claiming that the descriptions of the products or services they purchased were vague, inaccurate, or insufficient, and they feel. Use this guide as a quick resource for Visa chargeback reasons at a glance. If the cardholder bases the claim on false or misleading statements, it is considered friendly fraud. Chargebacks. Friendly fraud. Need more help? Download Reason Code Cheat Sheets Chargeback Reason Codes. Reason Code 81: Fraud – Card. For a full list of the new Visa chargeback reason codes and their corresponding dispute categories, please visit the Moneris chargebacks page. 9808; info@chargebacks911. Section 7: Chargeback Reason Codes: Detailed information on the reason codes for the most common types of chargebacks that merchants receive . Fortunately, all major credit card networks provide clear information regarding chargeback reason codes. 0 only applies to reason code 10. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. An ACH (Automated Clearing House) payment dispute is a situation in which one party involved in an ACH transaction raises a concern or disagreement over the legitimacy, accuracy, or authorization of the transaction. Visa Reason Codes. Mastercard has plans to follow suit. This indicates a transaction was processed using a card that Visa listed. 5 – Incorrect Amount 12 . Merchant must provide proof of authorization. 5. 2 falls under the “Authorization” category. Additionally, one clearing transaction. A list of key Visa policies for merchants is also included to help ensure the security of confidential cardholder information. CE 3. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. About Visa chargeback reason codes. 0 is an update to the rules for handling disputes filed under reason code 10. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). This book contains the following chapters: • Visa (Pre-VCR) and MasterCard Chargeback Process • Discover Chargeback Process • American Express Chargeback Process • Visa Claims Resolution ProcessResponding to Mastercard Reason Code 4859 Chargebacks. 4849 – Questionable Merchant Activity – Mastercard Rule 3. 2 — EMV Liability Shift Non-Counterfeit Fraud; Mastercard Chargeback Reason Code 4870 — Chip Liability Shift; Mastercard Chargeback Reason Code 4871 - Chip Liability Shift – Stolen Card; Amex Reason. It was originally one of several possible scenarios covered by legacy Visa reason code 83. Reason Code (Condition #) New Dispute Condition. 4,. 1 — EMV Liability Shift Counterfeit Fraud; Visa Chargeback Reason Code 10. These chargebacks occur to resolve chargeback-related disputes between network members. These modifiers can range from where the transaction is processed to what kind of goods are purchased. ; This chargeback may be reversed by supplying information such as the method and date when the authorization code was obtained or evidence that a credit was issued. ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. Card Recovery Bulletin Authorization Visa Code: 11. Visa chargeback reason codes are used to categorize the reasons for a chargeback. This should include notation that indicates the specific reason for the chargeback. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. About Mastercard chargeback reason codes. This means providing evidence that will undermine the cardholder’s claim. 4841 Canceled Recurring or Digital Goods Transactions. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. ”. Reason codes. 6 — Credit Not Processed. Friendly fraud occurs when a customer accidentally or deliberately files a chargeback on a legitimate transaction, instead of trying to first obtain a refund from the merchant. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. What is Visa chargeback reason code 13. This scenario applies when the arbitration was raised by either the. These codes are notoriously inaccurate; in fact, first-party fraud is predicated on reason codes being inaccurate. Here’s a look at the reason codes for the same scenario from the major credit card companies: Visa: Reason Code 30 Services not provided or merchandise not received. Visa Chargeback Reason Codes In Effect April 2018. Mastercard: Reason Code 4859 Service not rendered. 4: . This entity is known as the acquirer). 4. Listing and grouping all Visa chargeback or dispute reason codes with accompanying descriptions and time to respond. Visa has responded by creating Compelling Evidence 3. Check the chargeback reason code. Chapter 5: Mastercard Chargeback. many chargeback reason codes that exist today. 7 falls under the “Processing Errors” category. 2 – EMV Liability Shift Non-Counterfeit. Card Network Reason Code Detail; VCR Dispute Reason Code 10. Like your chargeback-to-transaction ratio, card networks also monitor your fraud-to-sales ratio. Multiple Authorization Requests. According to Visa regulations, if the transaction is not deposited within the allotted time. 4 — other fraud – card-absent environment — asserts the merchant processed a card-absent, card-not-present, or digital payment for a customer who used the. Each chart network—Visa, Mastercard, American Express, and Discover—defines and maintains their own extraordinary set of reason codes, which are applied toward disputes by the banks that issue credit and liability charts under their brands. 5 falls under the “Consumer Disputes” category. 0 initiative to update compelling evidence requirements for dispute reason code 10. Thanks for following the Chargeback Gurus blog. 5 Proven Tactics to Win Chargebacks as a Merchant. Then it chooses the most applicable code for a. A fraud whitelist is basically the same idea, only reversed. reason code information. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Visa Compelling Evidence 3. ACH disputes pertain to various parties involved in an ACH transaction, which is an electronic funds transfer facilitated. As we mentioned, Visa dispute time limits for merchants are straightforward. The issuer’s main limitation here is the timeframe: for Visa chargeback reason code 10. The claim the cardholder is making here is that they did not authorize the transaction and are alleging their card was used fraudulently or that the merchant pushed a transaction through without. 00 Approved and completed successfully; 01 Refer to. CHARGEBACK REASON CODES Before we start looking at the individual errors, it’s important to point out that each card network has its own set of chargeback reason codes. Reason Code 80: Incorrect Transaction Amount or Account. There are plenty of reasons as to why this would happen, hence the many. It was originally one of several possible scenarios covered by legacy Visa reason code 83. Fortunately, all major credit card networks provide clear information regarding chargeback reason codes. Reason Code 81: Fraud. Another downside is that chargebacks on annual subscriptions. Visa recently shortened chargeback time limits from 45 days to 30. The most effective chargeback professionals can deliver customized solutions for chargeback management with every facet of your dispute process. 4 Section . The chargeback filing period for cardholders is usually 120 days. 4, Fraud—Card Absent Environment. 2? Visa chargeback reason code 13. ©The following tables list Visa’s Reason Codes and time limits for processing a chargeback. The company condensed and revised its reason code list by implementing the Visa Claims Resolution initiative in 2018. The code replaces Visa’s legacy reason code 41. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. While the updates have been published, they do not go into effect until Oct. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Code. Chargeback reason codes vary but it all means the same thing - refund. UA01 Fraud – Card Present Transaction. 4: Fraud—Card-Absent Environment. Good news: Visa is working to improve the chargeback process by altering some of its rules regarding intentional cardholder misuse. The Visa Claims Resolution (VCR) initiative, launched in 2018, changed many aspects of the chargeback process. 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 reason for the dispute. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. American Express, Discover (and Diners Club International, which it owns) use a combination of numerals and letters. ”. • Section 2: Copy Requests – Includes requirements and best practices for responding to a request for a. Craft a clear and. chargebacks, even on cases where you accept liability. There are a few other exceptions to the rules, though. 7 – Cancelled Merchandise / Services. 13. A list of key Visa policies for merchants is also included. Visa Reason Codes Quick Reference Guide. What is Visa Reason Code 11. It applies when a cardholder participated in an ATM cash withdrawal, but. 4 | Mastercard Reason Code 4837. This chargeback<br />. , all rights reserved, to be used solely for the purpose of providing Visa. Let’s explore chargeback reason codes from the four leading credit card brands in the United States: Visa, Discover, Mastercard, and American Express. Both AFTs and OCTs are often used in concert with one another. The Discover chargeback reason codes list is just as extensive as the other major US card schemes, despite being the youngest and smallest of the four. This code applies when valid authorization for a transaction. 4846 — Incorrect Currency Code. So the company has more incentive to side with customer during cardholder. 7. A ruling in the merchant’s favor will return revenue and reverse the original fraud claim. Reason code 13. 4846 — Incorrect Currency Code. The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason. 1002 - Cardholder disputes billed amount. For each reason code, a definition isAbout Visa chargeback reason codes. 1. For the time being, however, merchants should be aware that banks may still use the legacy code. 5, and all aspects of chargeback reason codes, with proprietary. 1 — EMV. Updated these Visa. 6. What is Mastercard chargeback reason code 4807? Mastercard chargeback reason code 4807 falls under the “Authorization” category. Here the payment service provider is pulling funds from the cardholder. The International Organization for Standardization (ISO) sets MCC meanings and classifications, and card processors are responsible for assigning an MCC to a merchant at the start of their. 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. So, as we outlined above, both Visa and Mastercard have dedicated. For the time being, however, merchants should be aware that banks may still use the legacy code. What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. ” This reason code indicates that the cardholder is disputing the transaction as a duplicate charge. Reason codes are very crucial to assist merchants to. As a rule, “Fraud” and “Authorization” disputes enter straight into the “Pre-Arbitration” stage. 2 falls under the “Consumer Disputes” category. st comply, to help ensure the security of confidential cardholder information. 5 – Misrepresentation. 11/03/15 Updated these MasterCard Chargeback Codes: 08, 12, 31, 34, 42, 53, 55, 59, 60, 70, 71. 2 Cancelled Recurring Transaction. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Notification of Fraud. 5: Visa Fraud Monitoring Program. Code Reason; 30: Services Not Provided or Merchandise Not Received: 41: Cancelled Recurring Transaction: 53: Not as Described/Defective: 57:List of Chargeback Reason Codes. 10. This chargeback occurs when merchants do not adequately provide currency information. 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. Others can be levied by banks or processors. This is perhaps the most common claim associated with disputes and chargebacks. Visa retired the “unrecognized”. Merchant processed transaction below floor limit without authorization. Visa Chargeback Reason Code 10. An Visa chargeback purpose keys scheme underwent an major overhaul in April 2018 as parts away their new Visa Claims Resolution (VCR) take. The life cycle of the Visa dispute underwent considerable changes with the adoption of Visa Claims Resolution back in 2018. Mastercard: n/a This chargeback is caused by Authorization. 3: No. 4849 – Questionable Merchant Activity – Questionable Merchant Audit Program (QMAP) 4863 – Cardholder Does Not Recognize – Potential Fraud. Survey data from the 2019 Chargeback Field Report found that 82% of merchants surveyed believed that the Visa Claims Resolution process had “little to no impact on chargeback management. Claim. American Express Chargeback Reason Codes 32 Appendix F Discover Chargeback Reason Codes 41 . Reason codes are alphanumeric codes that provide the justification for granting a chargeback. See the charts below for the full listing. Visa has four different common codes for fraud and nine for consumer disputes. With VCR regulations, the risk of breaching fraud-to-sales thresholds increases. 4808 – Authorization-Related Chargeback – Cardholder-Activated Terminal (CAT) 3 Device. Before October 1, 2019, the Visa Dispute Monitoring Program was. The newer system is designed to. 0 as it does for 3-D Secure 1. Reason Code 04: Excessive Chargebacks: The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds: Reason Code 06: Currently unused--Reason Code 07: Fraud Conviction: One of the business's owners. Every merchant on the MATCH list is assigned a reason code that explains why they’re on it: 01 Account Data Compromise; 02 Common Point of Purchase; 03 Laundering; 04 Excessive. July 2011 Chargeback and Exception Processing Guide. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. Visa chargeback Reason code 85 is applied when issuing bank gets a notice from card owner that merchandise was return, but merchant hasn’t refunded, and credit hasn’t appeared on bank statement. It is subject to change and may not include every currently known dispute reason code. An Independent Sales Organization, or ISO, is a specialized third-party company that sells and manages credit card processing services outside of a bank or other financial institution. 5 Visa Fraud Monitoring ProgramThese reason codes are a standardized list of reasons that a customer and/or their bank may file credit card chargebacks. 13. Get your completes guide to the new Visa reason codes, in all the detailed information, chargeback clock limits, and other important information you demand. Discover: Reason Code 4755 Non-receipts of goods or services. 1 Quick Reference Lead. For each reason code, a definition is given, along with theFAQ: That is the Chargeback Process? FAQ: Stripe Chargebacks FAQ: 2020 Visa Chargeback Guiding TIPS: Managing Amazone Chargebacks TIPS: Merchant's Guide to MasterCard Chargebacks & Cases Mandates: New Visa Rules for First Party Fraud TIPS: Managing Shopify Chargebacks FAQ: 2020 Visa Chargeback Guiding. To avoid redundancy and confusion, we’ll use Visa’s chargeback reason codes as an example. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. All other reason codes are up to 120 days from the transaction date. If you wait too long. com;. Note the. When one cardholder initiates a dispute with their issuing bank, a. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. For each reason code, a definition is given, along with theStep #2 | Report the Scam to PayPal. 0? Merchants that authenticate transactions using 3-D Secure 1. Free Download. Card Sub-Type ISO Country Codes Benchmark Currency Codes Currency Codes Action Code (actionCode) - UPDATED ACTION CODE - OLD Point Of Service Data. You can find the meaning of their response codes by looking them up directly on the Visa and Mastercard developer center pages. Reason. Concerning Native Expres chargeback reason codes. It could also mean restrictions are imposed on your activity; for instance, if you receive a dispute assigned Visa reason code 10. Chapter 4: American Express Chargeback Reason Codes. A chargeback is a cancellation of a transaction. Chargeback Reason Codes. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. For perspective, the next highest. . • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. . 1. In this article, you’ll learn the key takeaways for merchants: Visa standard chargeback regulations; 3 most common Visa dispute reason codes; New Visa mandate Compelling Evidence 3. The shorthand description is “Credit Not Processed. For American Express; For Visa; For Mastercards; Chargeback Reason Codes List for American Express Some credit card companies also include a short phrase describing the code and chargeback. ; This chargeback can be. At Visa they used to receive reason code 98. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. All the major card networks use chargeback reason codes to convey the reason for a chargeback. The software can accept transactions made by customers all over the world. Learn more today about how much you could. The shorthand description is “Invalid Data. 5 Visa Fraud Monitoring Program Authorization Reason CodesThe Complete Chargeback Reason Codes List. Now, compliance cases go through Visa Resolve Online (VROL). There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other Chargeback Categories. 0 is an update to the rules for handling disputes filed under reason code 10. There are some exceptions on the cardholder’s side, though. United States; 18167 US Highway 19 N; Clearwater, FL 33764; 877. Under Visa’s previous rules, merchants could dispute a reason code 10. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. 3. Network reason code is available on the dispute object. Other Programs to Know About. Code Category Description; 10. 1, 13. ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. Chargeback reason code 12. The same is true of all chargeback reason codes. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. In contrast, an AFT is basically the inverse of an original credit transaction, or OCT. Chargebacks911® offers the industry’s only data-driven, fully managed solution for chargebacks.