We also included the reason code descriptions and an indication of when the allowable time frame begins. For best results, your chargeback win rate should be as close to 100% as possible. To do so: Tap the Activity tab on your Cash App home screen. If the chargeback stems from the use of non-EMV readers, for example, the merchant should implement compliant terminals. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. If you believe you have received an ACH return in error, you can contact your bank. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. non_receipt: The buyer claims they didn't get the goods or services. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. The new regulations simplify certain aspects of the dispute process and help stop some fraudulent claims before they become chargebacks. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. The card network then notifies the merchant’s acquiring bank about the chargeback and passes along all the collected information. But that doesn’t make them any less frustrating. Written over Chargeback Gurus. Instead, ask for a different form of payment. Step #2 | Report the Scam to PayPal. There are several different methods for obtaining a credit card payment reversal. Chargeback Reason Codes. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. 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. Visa, MasterCard, and American Express all list compelling evidence by reason code. 16, 2021. You must designate the write-off reason code for the system to use when you activate the automatic write-off feature. . M10 Vehicle Rental – Capital Damages. Receiving a damaged product. . Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. Click on the Chargeback Reason Code drop-down menu, the user can change the. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. . Blog and Articles; Success Stories; Chargeback Reason Codes;. AP:. Card Brand Code Description Days to Dispute Dispute Category;. You need to understand that there are three fundamental reasons why customers file chargebacks: Criminal Fraud Dispute resulting from the actions of a criminal actor. Visa chargeback reason codes. It gets worse. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. Additionally, Discover uses a fifth "No Classified" category. Otherwise, the bank may reject the transaction. If the order was genuinely not as described, then the cardholder has a case. Vantage HouseREQUEST A DEMO. . ©Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRRThese chargebacks occur to resolve chargeback-related disputes between network members. . Purpose: Use the vendor charge back function in CWSerenade to track the return of merchandise to a vendor for credit. Blog and Featured; Success Stories; Chargeback Reasoning Codes; BIN Look-up; eGuides and Reports;. 2 Compliance CasesReason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. Can it be disputed?In order to identify the reason a customer disputed a charge, it can be helpful to examine the reason code on the chargeback. 3 is the less common version for card-present transactions. The assigned chargeback reason code outlines why a customer submitted the dispute. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. This is commonly caused by either true fraud or friendly fraud. 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. Thus, all deduction activities with the same deduction activity code might have the same chargeback reason code. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. Check the chargeback reason code. Code 63: BOL Addressed to Wrong Location. You may have to pay the chargeback fees if the dispute is successful, ranging from $15 to $100. 4854 Cardholder Dispute—Not Elsewhere Classified (U. If the merchant attempts to force a transaction through after the presentment window, the bank may respond with a “late presentment” chargeback. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. The Chargeback Reason Codes are alphanumeric key codes provided to the merchant and that comes along with. 75 for every $1. Also, remember that the time frame for your response includes any processing required by the acquirer. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. The shorthand description is “Warning Bulletin File. Chargeback Representment. AP-Automatic Payment:. Please note that the most common Chargeback reason code for Allocation disputes is 10. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. Disputes with this reason code are still limited to a 120-day filing window. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Blog and Articles; Success Stories; Chargeback Reason Codings; DUMPSTER Look-up;. Added the following fields - Store ID, Credit Card Chargeback Reason Code. Each bank card network has its owner list of reason codes banks must prefer from. At Visa they used to receive reason code 98. 4846 — Incorrect Currency Code. Which fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. . The cardholder claims they were charged multiple times for a single transaction. What should a chargeback response letter contain? There are several elements you will need to include when writing your chargeback response. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Case Studies. The most popular type of disputes of the chargeback category. However, don’t expect to eliminate it altogether. Not recognizing your billing descriptor on a statement. The Code 10 call gives merchants a chance to bring possible fraud to the card issuer’s attention and receive instructions from them about how to proceed with the transaction. One of the manufacturers--Toy House maintains only 30 internal reason codes to. 1Chargeback agency rollup code CASE NUMBER 12 20 NUM/9 CASE-NO Unique numeric identifier for each case RECORD TYPE 21 21 NUM/1 REC TYPE Appropriate record type 1 – SUMMARY. Feel free to submit topic suggestions, questions or requests for advice to:. There are several reasons why many merchants turn a blind eye to suspected return fraud. Dispute Description: RC VI/MC/AX/DI: Card Absent - Fraud Dispute: 10. . 1 Original Credits 126 1. 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. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. Our technologies enable merchants to identify the source of disputes, then deploy the right solution to deliver immediate results. SECTION 4: Chargeback Reason Codes . Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. However, the return request is invalid, as the customer does not have a legitimate right to a refund for one reason or another. 104. 0 to 5. . 10. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. To assemble the right evidence to fight and win chargebacks, you may need documents. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. A reason code or a chargeback reason code is a string of symbols (numbers and letters). If the chargeback is upheld, the merchant must return the money to the customer, as well as pay an additional fee to the acquiring bank. There are also specific return time frames, which can differ. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. Chargebacks911® offers the industry’s only data-driven, fully managed solution for chargebacks. 3. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. Fortunately, chargeback reason codes make it easy for merchants to understand the cause of chargebacks. The sales receipt and/or date and amount of the authorization if other than the transaction date. It is subject to change and may not include every currently known dispute reason code. Goods / Services Damaged or Defective. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. Category. A chargeback is a cancellation of a transaction. We combine advanced, proprietary machine learning with human expertise, developing customized strategies to manage chargebacks and fraud. 7: Defective goods and services: C32: RM: 13. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. Learn about the different chargeback reason codes and what they mean. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at some. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. reason code group can be utilized for analysis and segmentation purposes. Your business may not have to. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. non_receipt: The buyer claims they didn't get the goods or services. 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. Step 4: Card Network Collects Dispute Information. pdf), Text File (. There are dozens of reasons why cardholders and issuers dispute transactions. AP Canceled Recurring Transaction; AW Altered Amount; CD Credit Posted as Card Sale; DP Duplicate Processing; IC Illegible Sales Data;It’s vital that you know the chargeback’s reason code so you can properly craft your response. Usually, the reason codes will fall. This process is called a chargeback. 634. 1 = EMV-Liability Shift counterfeit. Merchant Compliance Review: There are more than 100 potential errors and missteps that can cause. In simple terms, VCR introduced five definitive. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—QuestionableChargeback and order status are determined through enumerated values, while the card scheme provides the reason code and description for the chargeback. All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. 4, MasterCard 4837, AMEX F29, Discover UA02, and so on). Review your credit card processor’s policies to understand its chargeback dispute process. pdf - Free download as PDF File (. American Express chargeback reason code C31 falls under the “Card Member Disputes” category. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. 1 – EMV Liability Shift 10. CLAIM DEBIT VNDR-AP APPLIED CARRIER CLAIM AP Forms, Invoice Shortage Dispute Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Chargeback Reason Key by Network - 2023 Guide. Under Set Order Status, select None, Refund, or Chargeback. Solutions. 4853: Canceled recurring transaction. transactions with a CPD before 1 October 2017. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. These reason codes allow merchants to better understand the underlying cause of a dispute and develop strategies for preventing future chargebacks. 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. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. Reason code 4541 - Recurring Payment. F01. Chargeback Reason Codes by Network - 2023 Orientation. 1. Not remembering the original purchase. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Eliminate false positives. [noun]/* kə • stə • mər • di • spyo͞ot/. M10 Vehicle Rental – Capital Damages. Thousands of HSBC customers have reported that they have been unable to access its online and mobile banking services on one of the busiest. With the right compelling evidence,. 4 Other Fraud Card Absent. Chargeback. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions onOverview. It’s indeed fortunate that there are many rules and laws that. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Not only do you need to know how long the timeline is, but you also need to know when the clock. 29 Reason Code 30: Services Not Provided or Merchandise Not. Otherwise, the acquiring bank sends a chargeback notification. 10. Here the cardholder is claiming that you were supposed to provide them with a refund, but no credit has been applied to their account. 9808 info@chargebacks911. R03 Insufficient Reply. The shorthand description is “Goods/Services Not as Described. The credit will then appear on the cardholder’s statement as its own distinct. compliance process depending on whether a chargeback right exists. A chargeback happens when a customer requests for a transaction to be reversed. Discover chargeback reason code AT falls under the “Authorization” category. Solutions. To submit your documents to Wave, use the link in the chargeback notification email, or reply to the email. Specify the invoice date and net due date that you want the system to assign to chargebacks. Cardholder-Activated Terminal (CAT) 3 Device. . The merchant's evidence must demonstrate that this claim is false. 502 DM-REFUSED DEBIT VENDOR-DOCK REFUSAL AP Forms, Invoice Shortage Dispute 503 DM-PAY/CAN BOOK INV IN & OUT PO CANCEL AP Forms, Invoice Shortage Dispute 504 DM-DUP INV DM-DUPLICATE INVOICE AP Forms, Invoice Shortage Dispute 505 DM-T. Below are some examples of more common reason codes. This reason code covers the following scenarios: Reason Code Description; 4853: Services not provided/Merchandise not received. Mastercard Chargeback Reason Code 70: Chip Liability Shift. To prevent chargebacks from happening, you must know how chargebacks work and take. Spot these types of chargebacks using the below reason codes. The issuer reviews the case, assigns a reason code, and initiates the chargeback. This scenario applies when the arbitration was raised by either the. . 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. message. 634. AP. Recurring billing transactions are a frequent source of conflict, disputes, and. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. Once you know why a chargeback happened, you can start building a case to address the claims that were made. For perspective, the next highest. Card brand definitions for “excessive” vary, but as an example, Mastercard requires acquirers to submit your business to MATCH if: Your number of Mastercard chargebacks exceed 1% of Mastercard sales transactions in a. Examples are: DA: Disputed amounts. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the. Each card network has their own set of chargeback policies and reason codes, and they frequently change them. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. until 1 October 2017. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 10. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. Products. Solution. A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. Chargeback: Used when a deduction must be settled with a chargeback. Most Common Chargeback Reason Codes #1: Fraudulent Transactions or No Cardholder Authorization Fraudulent transaction chargebacks happen when a cardholder does not. The reason code. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. M01 Chargeback Authorization. Click on “report a problem” and select the transaction in question. Last updated: October 15, 2019 . Updated Disputes/Chargeback Policy Coming April 2024Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. All chargebacks start with a customer making a purchase in person, in an app, or online. Once you receive this notification, you have 11 days to submit a response. Chargeback Reason Codes (03B/CB) You must assign a chargeback reason code (03B/CB) to explain the reason for entering chargeback for the invoice. Chargeback time frames - A specific period during which a chargeback can be raised. Learn more today about how much you could. 102. The first step to fighting a chargeback, is to research the reason code which explains the reason for the chargeback and the required compelling evidence to. Instead of relying on individuals within your organization to route paper or emailed invoices to the appropriate AP desk, an automated solution would scan the invoice. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. Reason Code 53 Re-presentment Conditions. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. com Europe. 4 (Other Fraud – Card Absent Environment). Both cardholders and issuing banks will be able to see if a. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. AP Asia Pacific (AP) CEMEA Central Europe, Middle East, and Africa (CEMEA)Updated August 23, 2023. The chargeback transfers funds from the acquirer to the issuer. Discover uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. The most comprehensive guide to chargeback reason codes. 2? Visa chargeback reason code 12. 3 –. • 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. 4853 – Cardholder Dispute – Credit Posted as a Purchase. A chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. These companies can also handle the entire representment process. Vantage HouseOn that note, below are some vendor missteps that could result in Visa reason code 13. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. The merchant did not receive any returned merchandise. Fraud UA01 Fraud – Card Present Transaction UA02 Fraud – Card Not Present Transaction UA05 Fraud – Chip Counterfeit Transaction UA06 Fraud – Chip and PIN. As its name suggests, Code 22 is issued when Walmart does not receive all the items it is billed for on the invoice. 6: Duplicate processing/Paid by other means. What does the reason code of my chargeback mean? Whenever a payment is disputed, a dispute reason code is used by the issuer to let you and us know why the payment is charged back. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. 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. Write a chargeback rebuttal letter (with sample template) 8 Ways to Prevent Chargebacks. . Read on for the complete guide to dealing with chargebacks. 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. The system also uses this AAI when you perform AR or AP netting using the Manual Netting program (P03B455). 3 falls under the “Consumer Disputes” category. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. AP - Recurring Payments. M01 Chargeback Authorization. Specify the default reason code that you want the system to assign when you enter a chargeback amount. Code 60: Handling Charge as Documented. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. After the introduction of Visa Claims Resolution, Visa set the goal of resolving all disputes in less than 31 days. You’ll put that reason code, the transaction amount and authorization number, and state that the. 4: Other Fraud–Card-Absent Environment. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Accessed October 31, 2022. Some credit card companies also include a short phrase describing the code and chargeback. As its name suggests, Code 22 is issued when Walmart does not receive all the items it is billed for on the invoice. . Chargebacks occur when a credit cardholder disputes a charge on their statement with their issuing bank, in order to ask for a refund. Chargeback reason code 11. 2 – EMV Liability Shift Non-Counterfeit Fraud. 4846. Chargeback Reason Codes. Every friendly fraud chargeback will come bearing a reason code that specifies the nature of the cardholder’s claim. . In the world of chargebacks, card networks almost always side with cardholders. 6 – Duplicate Processing/ Paid by Other Means 12 . 8 Added American Express chargeback information Chapter 3 1. the Airline cancelled the original ticket; That credit for duplicate charges was completed or multiple<br />. Typical chargeback reason codes are:Reason Code Reason Code Description Timeframe; 4808: Authorization-related Chargeback: 90 calendar days: 4853: Cardholder dispute: 120 calendar days: 4837/4849/4870/4871: Fraud - No cardholder authorization - Questionable merchant activity - Chip liability shift - Chip liability shift - Lost/Stolen/ Never Received Issue (NRI) fraud :. Try Shopify free for 3 days, no credit card required. Below is a list of Mastercard chargeback codes used in eCommerce. The format of the Code 10 call is designed to be discreet, so that it can be made in front of the customer, but they can be lengthy. Receivable’s lets you enter a chargeback against a credit memo or an on-account credit memo only if they have a. Chargeback reports can help merchants identify opportunities to increase efficiency, improve processes, and prevent future. Visa Chargeback Life Cycle. 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. Specify the default reason code to. 7: Defective goods and services: C32: RM: 13. ; Help Center Find answers to common questions about Midigator’s technology,. For example, if a store or distribution center receives 40 cases but the invoice is for 45 cases, a Code 22 will be issued for the 5 outstanding cases. Chargeback Reason Codes Visa. TC40 data is used to inform banks and card networks when a merchant has an outstanding fraud. Click the Update Chargeback link to edit the chargeback details. 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. Code 64: Early Shipment. It depends on the chargeback reason code associated with the dispute. But with the alerts system, you can proactively take. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. The customer regrets their purchase. The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type of chargeback. It's essential to respond within the. Card brand definitions for “excessive” vary, but as an example, Mastercard requires acquirers to submit your business to MATCH if: Your number of Mastercard chargebacks exceed 1% of Mastercard sales transactions in a single month. Try Shopify free for 3 days, no credit card required. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. WEX began issuing chip cards in Q4, 2020. It is associated with a chargeback reason code, and it is specific per Card Scheme. AP – Recurring Payments; 05 – Good Faith Investigation; AW – Altered Amount;. While the updates have been published, they do not go into effect until Oct. Chargeback . This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. For example, 100 e-commerce first presentment fraud chargebacks in the current month divided by 10,000 e-commerce transactions in theThe most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. You can request a chargeback from the bank that issued the card If: The transaction was unauthorized. When every chargeback comes with a separate fee and an incremental uptick to your chargeback rate, several $1 chargebacks can be a lot worse than a single chargeback. However, for simplification, they are divided into eight categories: Fraudulent activity; Authorization issues;. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. For example, a retailer--Bigmart maintains more than 3,500 reason codes for deduction against its manufacturers. . 2. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. 9808 [email protected] using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. 7: Defective goods and services: C32: RM: 13. 4 spec (Section 8. When you post. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity Chargeback reason codes. pdf), Text File (. For example, if there was a scheduled delivery date for the order, then the timeframe starts on that date. So the company has more incentive to side with customer during cardholder disputes. When you receive notification of a chargeback, the first thing you want to do is look up the reason code. Even though these codes are not detailed enough, they are crucial when it comes to successfully preventing and fighting chargebacks. A merchant error chargeback is a chargeback caused by an error on the part of the merchant, such as non-delivery, damaged goods, etc. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show. that the transaction was either approved online by the issuer or offline by the chip. 6: Credit not. Reason code 04 pertains to your chargeback-to-transaction ratio and is the most common reason for being MATCHed.