1 chargeback: The merchant failed to ship the merchandise or provide the service as agreed. Card Member cancelled, refused or returned goods and/or services The most relevant Mastercard chargeback codes for the majority of merchants can be broken down into four main categories—authorization, cardholder dispute, fraud, and point of interaction. Download this sample Chargeback Rebuttal Letter. 0: Updated report version from 1. message. Now, compliance cases must be submitted through Visa Resolve Online (VROL). They were mandated by the Internal Revenue Service in 2004 to facilitate tax reporting. Take the time to note the following dispute reason codes for Visa. For information concerning Chargeback Response Code, see the Chargeback API Reference Guide. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. C31 – Goods / Services Not As Described. 2 falls under the “Processing Errors” category. Mastercard Reason Code 4807 – Warning Bulletin File chargebacks should be filed under code 4808. Resources. All other reason codes are up to 120 days from the transaction date. Reason codes are alphanumeric codes that provide the justification to awarding a chargeback. That's why we created this handy reason code lookup tool that includes all the codes for all four major card. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. MATCH List Reason Code: Title: Explanation: Reason Code 01: Account Data Compromise: Account data is stolen from the card-present merchant and used with other merchants:. The following table shows response codes and their meanings for ISO 8583-1987, later versions uses 3 and 4 digit response codes. A number of factors contribute to a high chargeback ratio. Evidence Required. Motive: • Numeric value that represents an explanation of the Dispute than can be viewed on the . Other Fraud-Card Absent Environment, No Cardholder Authorization, Card Not Present Fraud, Cardholder Does Not Recognize - Potential Fraud, Disputed Transactions (Reason Code-45),. 4849 – Questionable Merchant Activity – Mastercard Rule 3. 45. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. Reason Code – 13. The same is true of all chargeback reason codes. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. 02/10/16 Added Debit Chargeback Reason Codes. If the dispute is invalid, provide documentation that proves the reasoning: the merchandise cleared the merchant’s customs but is being held by the customer’s customs agency, the dispute amount includes the cash-back portion of the transaction, or the dispute is for a purchase made at an automated fuel dispenser. Mastercard Chargeback Reason Code 71: Disputed Amount. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. This process is called. Processing Errors, also referred to as Point-of-Interaction Errors, categorize reason codes representing disputes including duplicate processing, late presentment, credit processed. Visa, for example, has reason codes: 11. The chargeback report shows the status of all chargeback disputes. The sales receipt and/or date and amount of the authorization if other than the transaction date. These disputes are commonly referred to as friendly fraud. The documentation required for a given chargeback will depend on the reason code. reason code information. Pursuant to an Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and edition banks must reverse a disputed deal if aforementioned cardholder’s. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. MasterCard and Visa each have their own chargeback codes. Expired Card: Some people hang on to cards longer than they should. Requested Transaction Information Not Received. A card-not-present chargeback is a payment reversal conducted by a bank in response to a card-not-present (i. Use this resource to prevent and fight chargebacks with greater accuracy. Feel free to submit topic suggestions, questions or requests for advice to:. Issuer ACS unavailable - Visa generated CAVV. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. 1? Visa chargeback reason code 11. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. This indicates a transaction was processed using a card that Visa listed as stolen or counterfeit. MasterCard Chargeback Reason Codes. Please refer to chapter 5 for more information. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. Knowing these categories helps you further understand the chargeback and identify any problems within your payment solution, customer service, and sales processes. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. Region Only) 4855 Goods or Services Not Provided. The shorthand description is “Card Recovery Bulletin. 4846. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Code. This section contains a list of codes and messages that the system can return in the response message for a payment transaction. 2 chargebacks are frequently caused by customers forgetting to cancel a subscription before the next billing and then going to their bank to try to get their money back. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. This category of fraudulent chargeback is represented with the following reason codes: AMEX - C08 Goods/Services Not Received or Only Partially Received. Need more help? Download Reason Code Cheat Sheets Chargeback Reason Codes Discover Discover Chargeback Reason Codes The Discover chargeback reason. Visa uses a numeric scheme for its chargeback reason codes. For American Express; For Visa; For Mastercards; Chargeback Reason Codes List for American Express 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. However, the main takeaway here is that there are tons of reasons why a consumer would issue a chargeback – and it’s probably impossible to list them all. What Are Chargeback Reason Codes? Chargeback reason codes are a set of numbers and letters indicating why a. P08 – Duplicate Charge. message. 4837 — No Cardholder Authorization. The chargeback can be for the total transaction amount or a lesser amount. The purpose of reason codes is to help merchants realize the intent of a consumer’s dispute; however, if they are attempting to obtain goods/services for free, they do not provide any meaning. 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. FR2 Fraud Full Recourse Program. Discover is a credit card network and an issuing bank—just like American Express. The American Express chargeback process begins with Amex issuing a chargeback, along with a reason code to explain the dispute to the merchant. Chargeback Reason Code List - U. In simple terms, Mastercard Chargeback Reason Code 4859 — No Show/Addendum/ATM Dispute refers to situations where a customer claims the services purchased from a merchant were not fulfilled. R34: LIMITED PARTICIPATION DFI: The RDFI’s participation has been limited by a federal or state. 4: Other Fraud — Card Absent Environment: 10. C. 1 Merchandise/Services Not Received. Paid by alternate means and card. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. If you don't know how to contact the bank once the check is returned, call 1-900-868-2995 for the bank phone number. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 2 – EMV Liability Shift Non-Counterfeit Fraud. Services industry for image exchange and the creation of IRDs. The problem continues to grow out of control with each year. For a Mastercard late presentment chargeback to be valid, all the following conditions must apply: The cardholder’s account must be permanently closed. 100187 and ANSI X9. Today, Visa expects members to communicate through VROL and try to. The client can send Paymentology a list of disputes, using a predefined batch chargeback submission template that has been requested to chargeback. How to Prevent. Each of the major card brands, including Visa,. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. S. It depends on the chargeback reason code associated with the dispute. While the updates have been published, they do not go into effect until Oct. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. 5: Visa Fraud Monitoring Program: 11. © CHARGEBACK REASON CODES Reason. This chargeback may be reversed if merchant can. . Credit Posted as a Purchase chargebacks, for example, at. NACHA Return Codes. As we touched on earlier, chargebacks can happen due to technical errors. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. 1: EMV Liability Shift Counterfeit Fraud: 10. M10 Vehicle Rental – Capital Damages. This new ruleset expands the list of compelling evidence you can use to help undo an invalid customer. This return reason code may only be used to return XCK entries. For more detailed information on a specific reason. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Chargeback Reason Code A numerical code that identifies the specific reason for a chargeback. Chargeback reason code 4853 is used to designate “Cardholder Disputes,” or disputes involving transactions that a customer claims are incorrect in some way. 13. Banks, processors, merchants, card networks, and third-party vendors all have a role. When one cardholder initiates a dispute with their issuing bank, a. 1=1010, 10. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. It was originally one of several possible scenarios covered by legacy Visa reason code 83. Code 13. Chargeback Reason Codes. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. Discover: Reason Code 4755 Non-receipt of goods or services. C02 – Credit Not Processed. 2=1020 etc. ” This reason code is assigned. Chargeback Reason Code. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. ©Reason. The Complete Chargeback Reason Codes List Visa Discover Mastercard American Express How to Use Chargeback Reason Codes 5 Things Merchants Should Understand About Chargeback Codes Credit Card Chargeback Reason Codes: Final Thoughts FAQs about Chargeback Reason Codes 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. Message. An invalid chargeback is defined as an unnecessary or non-compliant payment dispute — a chargeback that shouldn’t have happened. 3 – CBK: Fraudulent Transaction: No Cardholder Authorization 10. . 13. Nor is the situation static. Administrative returns (R02, R03, R04): 3%. The same is true of all chargeback reason codes. Chargebacks have both short and long-term ramifications for merchants. Discover - RG Non-Receipt of Goods, Services, or Cash. 4808 – Authorization-Related Chargeback – Multiple Authorization Requests. F01. C18 – “No Show” or CARDeposit Cancelled. For example, 'R04' indicates that an invalid account number was. Chargeback prevention strategies vary based on the reason for the dispute. Ensure your terminals are EMV compliant. ©ACH return codes and explanations for R01 – R33 returns. With that said, you still need to understand the reason codes with any chargebacks from Amex. Mastercard Authorization Chargeback Reason Codes What is Visa Reason Code 11. You can see a reason code 11. This process is called a chargeback. If the order was genuinely not as described, then the cardholder has a case. 13. The Online Chargeback Management guide (PDF) is to help merchants input debit adjustments. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Any time. 00: The amount of the transaction. Use this resource to prevent and fight chargebacks with greater accuracy. Find explanations for the major credit card issuers dispute reason codes in the Cardholder Dispute Reason Code EncyclopediaAlternatively, you can find the list of Klarna dispute notifications in your Customer Area by going to Risk > Disputes > Requests for Information. It was originally just one facet of legacy reason code 81. 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. Each credit card company has their own list of chargeback reason codes, and along with these different lists come different time limits, definitions, and expected merchant actions. may be reversed if merchant can provide proof that the correct fare was quoted to Cardholder; That<br />. Whenever a card used in a transaction is declined, the sale should be terminated. Code 10. . 78. The codes also appear on financial reporting associated with disputes. There are several types of Mastercard chargeback reason codes, each with its own unique set of circumstances. Mastercard: n/a This chargeback is caused by Authorization. Retry after 10 days. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. Please contact the issuing bank for a specific reason. This chargeback<br />. Below is a comprehensive list of the most common Mastercard chargeback reason codes and their explanations, along with prevention strategies you can implement to reduce the likelihood of chargebacks. 1st chargeback Re-present Pre-arbitration 2nd chargeback To be removed in July 2020 File case MCI rule 120 days 45 days 45 days 45 days Mastercard cycle Our ability to defend you relies on the documentation you submit. Explanation. [noun]/* kə • stə • mər • di • spyo͞ot/. Transaction can be sent again. Here are some recurring issues that you might see pop up most often to cause decline codes: Credit card verification error: The card used could have a faulty microchip or magnetic stripe, which would require manual input. The merchant can choose whether or not the reason makes sense and. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. Thanks for following the Chargeback Gurus blog. You processed a transaction with the counterfeit card on a terminal that wasn’t EMV-compliant rather than using a chip reading device that would have detected the fraud. 1 - Card Recovery Bulletin; 11. Card Member cancelled, refused or returned goods and/or. 4870 – Chip Liability Shift. Scenario 2. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. A reason code is how banks categorize the reason for a chargeback. All received credit card disputes include a reason code. Chargeback Reason Code List - U. The chargeback process allows for cardholders to recover funds in the event of fraud or abuse. The chargeback reason codes were created to standardize the list of acceptable reasons for which a bank may submit a credit card chargeback or a direct debit chargeback on behalf of its customer. Resources. Expired Chargeback Protection Period. For example, the merchant bills the cardholder in installments. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. • 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. Depending on whether the documentation is required or not, Paymentology will submit these chargebacks on the client’s behalf. Condition 13. The reason for the dispute was false or inaccurate. American Express Chargeback Reason Codes. Now, 10. The cardholder has a chip card and someone made a counterfeit copy of it. There are over 80 unique return codes, and each one represents a different type of return. Dispute Category. Use this report to check the status of all chargebacks disputes and retrieval notifications within the report range. For each reason code, a definition is Chargeback Reason Codes. About Visa chargeback reason codes. 4841 Canceled Recurring or Digital Goods Transactions. Reason. This reason is made visible to all parties involved. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. 08. Scenario 1 — upfront chargeback. The Visa chargeback reason codings system underwent a major overhaul in May 2018 as part of their new Visa Claims Resolution (VCR) initiative. Reason Code 53: Not as Described or Defective Merchandise. An XCK entry may be returned up to sixty days after its Settlement Date. S. There are two parts to this. Merchant must provide proof of authorization. Reference these when rebutting cardholder disputes at your small business. Chargeback Reason Code Categories The 151 chargeback reason codes across the four major credit card companies can generally be grouped into five different categories. 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. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). It might be a specialty tool purchased for a single use, a fancy garment worn for a special event, or a huge TV bought for a Super Bowl party. ETAILS. Merchant processed transaction below floor limit without authorization. What is Visa chargeback reason code 13. 0. However, please note that a ‘Re-presentment’Mastercard Chargeback Guide is a comprehensive document that explains the rules and procedures for resolving disputes between cardholders, merchants and issuers. Even if the chargeback is later canceled, the merchant will still have to pay fees and administrative costs. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing date of. These codes are currently defined within the ANSI X9. S. It’s indeed fortunate that there are many rules and laws that. This can provide important information to fight the dispute. These reason codes are a standardized list of reasons that a customer and/or their bank may file credit card chargebacks. 2, it’s simple and straight-forward: The merchant attempts in any way to force, circumvent, or override a declined authorization. the Airline cancelled the original ticket; That credit for duplicate charges was completed or multiple<br />. The other member could accept the chargeback or contest it, escalating the dispute to compliance where Visa adjudicates. Midigator has created a database of Visa reason codes. MASTERCARD. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. MasterCard - 4863 Cardholder Will Not Recognize - Potential Fraud. This is commonly caused by either true fraud or friendly fraud. Visa - 10. Guest Blogger July 26, 2023 10 min read As an e-commerce store owner, it's important to understand the concept of chargebacks and the role they play in your business. Here are the two possible scenarios: 1. The following tables show the Stripe categories for each card network’s dispute reason codes. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. Chargeback Reason Codes. 1003 - Transaction Supporting Document (TSD) needed. 4, 12. 2022 Visa Chargeback. View the Medicare reason codes list. Declined Authorization Authorization Visa Code: 11. Good news: Visa is working to improve the chargeback process by altering some of its rules regarding intentional cardholder misuse. Only an issuer can initiate the chargeback process. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. Support; Login. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. Visa Merchant Official. This chargeback may be reversed if merchant can. Accessed October 31, 2022. Expand the categories below to view the full list of Discover chargeback reason codes. 11. There are several types of Mastercard chargeback reason codes, each with its own unique set of circumstances. While deductions may be. It covers topics such as chargeback rights, time frames, reason codes, arbitration and compliance. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. M49 Vehicle Rental – Theft or Loss of Use. Documentation must be a direct result of cardholder communication. Identifying your chargeback triggers is an essential step in developing a comprehensive chargeback mitigation plan. Even learning all the terms and rules won’t keep you. 13. The merchant processed a transaction the cardholder wasn't a part of. 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. Card Brand Reason Code Description. Declined Authorization Authorization Visa Code: 11. The Chargeback Reason Code Format. Reason Code – 10. C04 – Goods / Services Returned or Refused. Today, Visa expects members to communicate through VROL and try to resolve their. A WORD OF WARNING: MATCH reason codes are not the same as chargeback reason codes. Evidence Required. 4808: This code can refer to: Account Number Not on File. Timeframe: Under card network rules, a cardholder has up to 120 calendar days from the settlement date to initiate a chargeback (depending on the chargeback reason code). A T-code has the following format: T<event-group><event-type-code> Where: <event-group> is a two-digit general. Chargebacks can be caused by several factors, such as processing errors, fraud, customer dissatisfaction, and merchant errors . 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. Multiple Authorization Requests. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. Use this guide as a quick resource for Visa chargeback reasons at a. 3 – Not as Described or Defective Merchandise / Services. reason code information. This provided a number of insights into the typical. And, each code has unique compelling evidence requirements if you choose to fight. It’s even more frustrating if you don’t understand what the chargeback code means. Chargeback reason code 10. Chargeback fees can start at US$25 and go up from there. M01 Chargeback Authorization. Again, banks should not really be using 4807. This code applies when a transaction was processed without acquiring authorization…but the card used in the transaction was listed in the Visa Card Recovery Bulletin (CRB). Actions: This is where you respond to a case. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. The merchant can choose whether or not the reason makes sense and. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. 20The cardholder files a chargeback via their bank. The chargeback reason code is important in determining the evidence you need to provide to successfully win the chargeback dispute. 5 and, more or less, associate the dispute with an issue related to a stolen credit card. You’re right. The key below describes the applicable classification and code structure of. You may have to temporarily disable or lower the risk score for the Card/bank account holder name contains a non-alphabetic character risk check. One of these changes was an overhaul of Visa’s list of chargeback reason codes. Merchants who end a month with at least 100 chargebacks and a chargeback ratio of 1. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. The chargeback process can last from one month to six months. 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. 1 – EMV Liability Shift Counterfeit Fraud. As expected, chargeback reason codes exemplified consumer sentiment. Visa chargeback reason codes, for example, are numerals with decimals. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. Chargebacks with the following reason codes are requested due to fraudulent activity. MasterCard’s Corporate Purchasing Department Account Program does not have rights for the following message reason codes: 4835 — Card Not Valid or Expired. Visa’s fraud reason codes list dispute reasons from 10. C05 – Goods / Services Cancelled. Once you receive this notification, you have 11 days to submit a response. Use clear and consistent billing descriptors. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. 4 Fraud – Card-Absent Environ. The client can send Paymentology a list of disputes, using a predefined batch chargeback submission template that has been requested to chargeback. Message. 2. There are tricks you might use to circumvent an undesirable authorization message, such as not requesting authorization at all, or making multiple attempts on a declined card. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for. Mastercard Chargeback Reason Codes. Chargeback fraud cost retailers $125 billion in lost revenue last year alone as the volume of customer disputes continues to rise in line with the rapid expansion of eCommerce and convenient payment options. The American Express chargeback process begins with Amex issuing a chargeback, along with a reason code to explain the dispute to the merchant. The issuing bank assigns each case a code according to the consumer’s claim, and the merchant must adhere to the time limits for that specific code. 1? Chargeback reason code 11. ACH return codes identify the reason an ACH payment was returned by the recipient's bank. 2 chargeback if you override a declined, referral, or pickup authorization message, but process the transaction anyway. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. Mastercard currently conducts special Merchant audits for excessive fraud-to-sales ratios, excessive chargebacks, counterfeit activity, or collusive or otherwise fraudulent Merchant activity. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. The merchant processed a random account number and didn't obtain the owner's authorization. It gets worse. Steps to Prevention. Check the chargeback reason code. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. Once you’ve identified the reason for the chargeback, you can investigate the transaction to determine whether or not the chargeback is legitimate. You may know that every dispute you receive is attached to a chargeback reason code. For enterprises with tight margins. A service chargeback is filed by a customer, which means that you need to note the card type and dispute reason code so that you can determine which types of information to submit if you dispute the claim. The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason. To determine the problem, you need to examine customer interactions, transaction details, and business practices. Before VCR, Visa reason codes were two-digit numbers that often seemed like they were assigned completely at random. The following is a list of Walmart deduction codes, definitions, and corresponding EDI: Paper Code: EDI: Definition: 001: F1: Defective: 002: 15: Return recall: 003: GG: Unsellable merchandise: 010: 01:. So the company has more incentive to side with customer during cardholder disputes. Non-Receipt of Information Chargeback Reasons. By closely examining the characteristics of each chargeback, you. Fraudulent Transactions (Codes 4800. For example, 10. You can learn more about each one by visiting the Mastercard Chargeback Guide. This should include notation that indicates the specific reason for the chargeback.