The most comprehensive guide to chargeback reason codes. 2 Declined Authorization. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. If the customer’s story matches. 4853 – Cardholder Dispute – Credit Posted as a Purchase. ) has its own reason code system, so sellers should carefully check the card used for the transaction. But cardholders and merchants have different time limits. A dispute often has a reason code associated with it. Together, we serve some 45,000. The chargeback filing period for cardholders is usually 120 days. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Chargebacks are almost always initiated by customers, but businesses can request them as well (although this doesn’t happen often). At this stage,. Step 4: Card Network Collects Dispute Information. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. So the company has more incentive to side with customer during cardholder. Processors handle exception items outside of the chargeback management system, however the merchant will see them designated as a chargeback, with an assigned reason code (e. In this scam, a scammer sends a message to their victim. To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. It was originally just one facet of legacy reason code 81. FR4 Immediate Chargeback Program. 1 Card Recovery Bulletin or Exception File. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. 60 due to merchandise, fees, overhead, and other sources of loss. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Updated: Valid values updated. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). What Are the Time Limits for Mastercard Chargeback. Because there are many reasons for which customers may file a chargeback, Discover issues an accompanying chargeback reason code with each chargeback. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. The specific reason for the decline shouldn’t be reported to the customer. While there are many chargeback reason codes, all chargebacks fall into one of three categories:The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Chargeback time frames - A specific period during which a chargeback can be raised. What is a chargeback? March 10, 2023. You could also end up submitting the wrong evidence, which will cost you time, money, and standing with the bank. When one cardholder initiates a dispute with their issuing. 1 Card Recovery Bulletin or Exception File. And according to The True Cost of Fraud report by LexisNexis, businesses end up paying $3. Some payment service providers like PayPal and Stripe have their own reason codes as well. The chargeback process starts when a customer (or, less frequently, their issuing bank) challenges a transaction as invalid. FAST = Vantiv already has the documentation on file; the agency need only complete the Fast Track form. 4860 Credit Not Processed. In order to fight a chargeback effectively, however, you'll need to know the reason code. UA02 Fraud – Card Not Present Transaction. The exact time frame will vary based on factors such as the reason code or the card network. VCIPayments; NMI;. For each reason code, a definition is When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. Merchants can find a. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. 4 is an updated version of legacy reason code 77, which was phased out under the Visa Claims Resolution initiative. Chargeback reason code 12. Q. Reason Codes Category 4: Processing Errors. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. If the merchant has a signature showing that the order was delivered, or evidence that the. Reasons for a second filing might include the discovery of new information or a change of the reason code. 00 USD. 65 - Withdrawal limit exceeded: The transaction would exceed the. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. 0 and its benefits; Difference between current and. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. The case was ‘represented result of recourse’ by Chase Merchant Services. Chargeback. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. They may also have requirements that must be met in order for a transaction to be eligible for coverage, such as delivery confirmation. Bank of America issues both Mastercard- and Visa-branded cards, so the exact requirements may vary depending on the Mastercard reason code or Visa reason code . A dispute often has a reason code associated with it. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. Standard Threshold: Reaching a chargeback ratio of 0. 6:. Required Authorization Not Obtained. This code applies when either the transaction was processed using an incorrect account number, or the transaction itself was not authorized. 4853 – Cardholder Dispute – Goods or Services Not Provided. 1, "Compelling Evidence for goods/services not4846 — Incorrect Currency Code. Which is meant to know the reason for the dispute. 1. The latest chargeback rules set by Visa are the answer to the current fraud and chargeback landscape. These chargebacks will show up under reason codes that will, on first glance, appear legitimate. This can be transaction receipts, proof of. 3 falls under the “Consumer Disputes” category. Reference these when rebutting cardholder disputes at your small business. Chargebacks from all three categories can show . Accessed November 22, 2022. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. While every card system has its own particular exceptional arrangement of chargeback reason codes, the categories are fundamentally very similar. All chargebacks start with a customer making a purchase in person, in an app, or online. . 6: Duplicate processing/Paid by other means. Nevertheless, you must respond to the chargeback based on the given code. As a merchant, you face the brunt of chargeback losses. Responding to a chargeback request. By entering your email, you agree to receive marketing emails from Shopify. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Issuer Review; Allocation. Reason codes are very crucial to assist. 11. 'luhfw fruuhvsrqghqfh wr wkh dssursuldwh hpdlo edvhg xsrq wkh uhdvrq frgh ri wkh lvvxh olvwhg ehorz <rx pd frpelqh lvvxhv iru gliihuhqw uhdvrq frghv lq wkh vdph fruuhvsrqghqfh rqo li wkh hpdlo ghvwlqdwlrq lv wkh vdph <rx pd. 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. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Reason Code 04. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. Specifically, these updates only pertain to transactions that are charged back after Oct. There are two types of invalid chargebacks. [noun]/* rēzən kōd / 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. Values are: Blank: Use the draft G/L date. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. 4853 – Cardholder Dispute – Goods or Services Not Provided. Requested Transaction Information Not Received. While there are many chargeback reason codes, all chargebacks fall into one of three categories: The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. After the withdrawal, the bank will create a chargeback reason code, meaning why they made the chargeback, and electronically transfer all the. For example, American Express has more than a dozen retrieval request reason codes while Discover only has four. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. 4: Other Fraud–Card-Absent Environment. Here’s how your store can prevent and deal with chargebacks. 2: No Authorization Legacy Code: 71. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. The sales receipt and/or date and amount of the authorization if other than the transaction date. 00. After the chargeback is initiated, the merchant will usually have between 7 and 21 days to respond with evidence. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Visa, MasterCard, and American Express all list compelling evidence by reason code. 634. The transaction amount and authorization number (ARN. Not recognizing your billing descriptor on a statement. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. Step 2: Customer initiates the chargeback. M10 Vehicle Rental – Capital Damages. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. The claim often, but not always, involves automated teller machines (ATMs). Overall returns (all codes): 15%. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. For instance, if the customer claims unauthorized purchase, your letter should cite evidence, such as an IP address matching previous purchases, to support. ”. 634. 11. . Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card. (98) Credit Card. Each bank card network has its owner list of reason codes banks must prefer from. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. There is no one-size-fits-all when fighting chargebacks. 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 cardholder's account. 1. This means providing evidence that will undermine the cardholder’s claim. Receive the Chargeback. 4. [1] Sift. Visa Chargeback Reason Codes; MasterCard. 3: Goods or services were not received: C08: RG: 4855: 13. All parties are subject to the rules of the card networks, including response time limits. We also included the reason code descriptions and an indication of when the allowable time frame begins. This may be done by either the merchant or the issuing bank. Reason codes are alphanumeric codes that provide the justification to awarding a chargeback. Today, we at Chargebacks911 are proud to call ourselves the industry’s leading name in end-to-end chargeback management. 4812 Account Number Not On File. 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. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. STEP #7: Bank Review & Decisioning. 3 No Authorization. 75 for every $1. Specify the invoice date and net due date to assign to chargebacks. The great piece of news for the merchant is that the pre-compliance dispute doesn’t influence the chargeback ratio. Guide to Chargeback Reason Codes. Administrative returns (R02, R03, R04): 3%. See moreChargeback reason code 98 was used to describe any exception that fell into that category. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. How long can the issuer wait to file a chargeback? A good faith investigation can be launched up to two years after the original transaction. The most popular type of disputes of the chargeback category. You may know that every dispute you receive is attached to a chargeback reason code. A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. Reason codes are very crucial to assist. 3 is the less common version for card-present transactions. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. 4 disputes through Verifi’s Order Insight®, which ChargebackHelp clients are integrated with already under CBH+Deflect . Chargeback reason code 98 was used to collectively describe any exception that fell into that category, but newer mandates have rendered the code o. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. 0) Email conversations with the customer; Contracts; Digital usage logsChapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10: Arbitration; Chapter 11: Fraud filters; How to Create the Best Chargeback Responses. This information should be based on the Visa chargeback reason codes assigned to the case. The most comprehensive guide to chargeback reason codes. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. Chargeback /Dispute; Merchant Response. A TC40 data claim occurs when a customer makes a fraud claim against a merchant. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. Each card network has their own set of chargeback policies and reason codes, and they frequently change them. Braintree Support Articles. Make sure the evidence you include and the claims you make are relevant to the chargeback reason code, the product purchased, the cardholder’s claims, the type of transaction processed, etc. Protect cardholder data. Additionally, evidence suggests merchants win more than 30% of chargeback disputes. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. FR6 Partial Immediate Chargeback Program. Proof that the. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that includedAT Authorization Noncompliance. Below is a list of Mastercard chargeback codes used in eCommerce. The aim of CE 3. Vantage HouseChargeback Reason Codes; BIN Lookup; ROI Tool; Company. The transaction amount and authorization number (ARN. The issuing bank reviews the information. For that matter, fraud prevention tactics such as AVS and CVV can be bolstered by adding advanced safeguards like 3D secure, automated transaction scoring, fingerprinting, and device ID tools. . The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. The terminal action codes are in Table 122 of the 4. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. AT Authorization Noncompliance. 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. In this case, the customer files for the pre-compliance chargeback (aka reason code 98). non_receipt: The buyer claims they didn't get the goods or services. The chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. It’s even more frustrating if you don’t understand what the chargeback code means. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. What is Visa chargeback reason code 13. All of Visa’s existing reason codes were. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. 3 Changed Discover Reason Codes to match what is shown in the UI. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. g. Chargeback guarantees usually carry some fine print—they may only cover certain chargeback reason codes, or only cover costs up to a certain dollar amount. Try Shopify free for 3 days, no credit card required. Here’s how your store can prevent and deal with chargebacks. If your chargeback ratio is high [i. A “No Authorization” code chargeback can also be the. ; Resources. 11. In general, most retrieval requests are issued to merchants for one of the following reasons: The cardholder wants information for his or her records. Code 10. Though the credit card networks have a vast choice of codes, loopholes still happen. “It’s a lot tougher with Mastercard because they only use four main codes. However, the 30 day waiting period can be waived if you’ve. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. \. Let’s say you got a Visa chargeback with reason code 13. But first, here are the two most common types of consumer chargeback fraud. This code collects all the exceptions under its wing. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. That's why we've created this guide, which goes over what reason codes are and how they help fight chargebacks and includes up-to-date lists of the reason codes for all the major US card networks. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. R13 No Reply. processed the transaction correctly. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. According to a study released by Juniper Research, ecommerce businesses were projected to lose roughly $20 billion in 2021 due to fraud, an 18% increase over the $17. The merchant did not receive any returned merchandise. Explore more ACH Return Codes. 2 EMV Liability Shift. M01 Chargeback Authorization. These are only a handful of common Visa chargeback reason codes. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingA chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Mastercard: Reason Code 4859 Service not rendered. Each chargeback comes with a code that designates the reason it was filed. Now, compliance cases go through Visa Resolve Online (VROL). Solutions. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST:Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. Time Frames by Chargeback Type and Reason Code. 11, 16. Chargebacks have an important role to play in the payments ecosystem. To win a chargeback dispute as a merchant, you must have evidence that is compelling enough to persuade the cardholder’s bank to reevaluate the case. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831 Transaction Amount Differs 4834 Duplicate. The reason code. Chargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. Not remembering the original purchase. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. It gets worse. Then, apply calculations and chart your results. 3? Visa chargeback reason code 13. 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. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Duplicate Processing - 81ECM monitors first presentment chargebacks regardless of reason code or transaction type. The reason for the dispute was false or inaccurate. A chargeback happens when a customer requests for a transaction to be. 634. Learn more about Mastercard chargeback reason codes. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. Please note that the most common Chargeback reason code for Allocation disputes is 10. Different card networks have different reason code systems. ADDL = Vantiv has the sales draft on file and is requesting additional documentation as required by the chargeback reason code. However, Visa is the largest card brand in both the United States and the world. The cardholder wins: The bank upholds the chargeback, and the funds are not returned to your account. 4853 – Cardholder Dispute – Credit Not Processed. 4. 6. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. Below are some examples of more common reason codes. The chargeback initially results in the debit or credit card charge being reversed and the funds that you received for the payment being returned to the customer. 98%) Vix. CHARGEBACK REASON CODESChargebacks. Which fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. The good news is that most of these invalid claims are disputable by the merchant. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. 98: Other: Good Faith Collection: 99: Other:Dispute Reason Code: A specific code associated with the reason given by the buyer for initiating the chargeback. 4841 Canceled Recurring or Digital Goods Transactions. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. Retrieval request regulations vary significantly from one card brand to another. 00 EUR as a Withdrawal fee. UA01 Fraud – Card Present Transaction. processed the transaction correctly. 4 Other Fraud Card Absent. 1 EMV Liability Shift 10. 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. We’ll send you a notification, request for relevant information, and temporarily hold the transaction funds. For example, if a fraud code 10. In short, the bank didn’t have a clear, specific coding option to explain why it wanted to dispute a particular case. The following chargeback reason codes are related to EMV: Visa: 10. Reasons for a second filing might include the discovery of new information or a change of the reason code. A new 4 byte reason code will be used moving forward. Below stated are some, Chargeback Response but not every, examples of particular documents that could be used as proof: Verification codes (authorization, AVS, card security code, 3D Secure 2. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Using the same link provided above, contact PayPal to report the scam. Breakdown your chargeback data by some of the variables you collected in step #2: marketing source, product type, issuer BIN, customer’s country, reason code, price, billing cycle, and lag time (amount of time between the transaction and the dispute). In fact, 91. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. 4812 Account Number Not On File. Suppose the majority of reason codes that your business gets are non-fraud-related, and you lost. Check the chargeback reason code. The major card networks have unique reason code systems, and banks use separate tools. Having a Lax Attitude Toward Industry Rules & Regulations. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. For a complete list of all Visa reason codes, as well as the reason codes for other card networks, check out our complete chargeback reason code guide. Cardholder-Activated Terminal (CAT) 3 Device. By evaluating the accompanying chargeback back reason code, you can pinpoint the problem and adjust your operations to avoid future chargebacks for the same reason. 5 Ways I’m Using AI to Make Money in 2023. F02. And according. Chargeback reason code 10. ). Also, just like American Express, Discover functions as both a card network and an. Reason codes vary by card brand. For example, Mastercard has a code which indicates a ‘consumer dispute. UA06 Fraud – Chip and PIN Transaction. REQUEST A DEMO. 0900 (-1. Reason Code 11. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. All chargebacks start with a customer making a purchase in person, in an app, or online. VCR Dispute Reason Code 10. In most cases, disputes need to be filed within 60 days. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. "Acceptable Reason Codes" has the meaning set out in section 2. UA05 Fraud – Chip Counterfeit Transaction. There are a variety of issues that can serve as the root causes of a chargeback, ranging from fraud to improper card processing to dissatisfaction with the quality of the goods or services provided. 41 4841 Cancelled Recurring Transaction 53 4853 Not as Described or Defective Merchandise 57 4840 Fraudulent Multiple Transactions 62 4870/4871 Counterfeit Transaction Being familiar with the potential chargeback reason codes gives recurringConcerning Native Expres chargeback reason codes. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Please refer NPCI OC- 93 for details. 98: Other: Good Faith Collection: 99: Other: Pre-Compliance:Dec 6, 2021 — Betty's bank issued the chargeback for $9. 1. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. R03 Insufficient Reply. 6: Credit not. 4846. Ineligible Transaction (International only) 79. R13 No Reply. 2. The reason code may not necessarily reflect the actual reason for the chargeback, but you ought to respond to it based on the provided chargeback code. That said, looking up purchases using this number can make it easier to provide info following an. 3 No Authorization. Visa chargeback reason codes. Here the cardholder is claiming that you were supposed to provide them with a refund, but no credit has been applied to their account. In simple terms, VCR introduced five definitive changes to the dispute resolution process: The timeframe for merchant response was shortened from 45 days to 30 days. 2=1020 etc. A reason code or a chargeback reason code is a string of symbols (numbers and letters). MDR also retired reason code 4840 – Fraudulent Processing of Transactions. The transaction amount is re-charged to the cardholder’s account, and the funds go back into your bank account. Fraudulent Activity. Valid Values/Format: 22 - First Chargeback Handling Fee. We’ve all been there as an eCommerce owner: you excitedly ship out a $1,500 order to a customer, and then a few weeks later you’re notified that the customer has opened a chargeback dispute. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. 4.