What is Discover chargeback reason user RG? Spot chargeback reason code RG falls on the “Services” category. There are dozens of reasons why cardholders and issuers dispute transactions. Understanding Chargeback Reason Code for Each Chargeback Request. It depends on the chargeback reason code associated with the dispute. 6: Credit not. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. A chargeback also cannot be filed more than 540 days beyond the point at which the interaction began. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. 18167 US Highway 19 N Clearwater, FL 33764 877. However, the 30 day waiting period can be waived if you’ve. 0: Updated report version from 1. Category. The major card networks have unique reason code systems, and banks use separate tools. Reason codes vary by card brand. For U. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. It is associated with a chargeback reason code, and it is specific per Card Scheme. 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 reason codes and categories specified below. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. com. All categories. com Europe. Chargebacks typically occur when a customer is dissatisfied with a purchase and requests a refund from their card issuer. 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. The shorthand description is “Late Presentment. Now, compliance cases must be submitted through Visa Resolve Online (VROL). 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. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. 0 is to make the chargeback process more efficient, transparent, and fair. Issuer Review; Allocation. For instance,. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. And according. Chargeback reason codes are one piece of evidence you can use to make your case. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. American Express chargeback reason code C42. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested item illegible: 07: Warning Bulletin File: 08: Requested/Required Authorization Not Obtained: 12: Account Number Not on File: 31: Transaction Amount Differs: 34:Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. Reason Code: A code used to provide additional information to the receiving clearing member regarding the nature of a chargeback, subsequent presentment, [. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Technical. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. This can be transaction receipts, proof of. The list of chargeback reason codes in this article. 100- 140 standards- , and will be removed in future releases. There is a USD 25 limit for the First Chargeback (Reason Code 22). “It’s a lot tougher with Mastercard because they only use four main codes. Samples of successful chargeback objection letters and guidelines for merchants upon methods to write see highly rebuttal letters and win more disputes. 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. A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. This may include: Transaction receipts; Merchant credentials; Customer authorizationChargeback 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—QuestionableThe Takeaway. Last updated: October 15, 2019 . As we touched on earlier, chargebacks can happen due to technical errors. Discover Chargeback Reason Code RG: Non-Receipt of Goods or Services Description The issuing bank received a claim from the cardholder that merchandise or services. However, the typically cause of this chargeback would have been non-receipt of goods either services is the. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. A reason code is how banks categorize the reason for a chargeback. To represent a chargeback, you need to resubmit the transaction and include a rebuttal of the cardholder’s claims and documented evidence that proves your case. These are only a handful of common Visa chargeback reason codes. The merchant ships the merchandise on time or makes the merchandise available for pick up in good time but forgets to inform the customer. Mastercard Chargeback Reason Code 73: Duplicate Transaction. These codes will explain why the chargeback was filed. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. 10. Take the time to note the following dispute reason codes for Visa. FR6 Partial Immediate Chargeback Program. For Visa: Reason Code 30; For MasterCard: Reason Code 4855; For Discover: Reason Code; For American Express: Reason Code 155. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. 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. Once you know why a chargeback happened, you can start building a case to address the claims that were made. This chargeback reason code was retired by Visa in April 2018. Any time. 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. Retrieval Request/ Copy request Reason Codes. Order not received fraudulent chargeback notices is represented with the follow-up reason codes: AMEX - C08 Goods/Services Not Received or Includes Parcel Received. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. 4846 — Incorrect Currency Code. 1 – EMV Liability Shift 10. But cardholders and merchants have different time limits. Where: <event-group> is a two-digit general accounting event group. Chargebacks Tips & Statistics. American Express: Reason Code C08 Goods or services. For example, some reason codes offer cardholders over a year to file. 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. 4860 Credit Not Processed. Friendly fraud is challenging for merchants because it’s tough to diagnose. 00 EUR as a Withdrawal fee. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. 800. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. 10. 3: Goods or services were not as described: C31: RM: 13. Discover reason codes. Valid Values/Format: 22 - First Chargeback Handling Fee. American Express chargeback reason code C31 falls under the “Card Member Disputes” category. 634. Here are some chargeback reason codes by card type. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. An invalid chargeback is defined as an unnecessary or non-compliant payment dispute — a chargeback that shouldn’t have happened. What is Discover chargeback reason code RG? Discover chargeback reason code RG declines under the “Services” category. A reason code is how banks categorize the reason for a chargeback. 1. The card issuer initiates the chargeback process to recover the funds from the merchant’s bank. 3. ”. Chargeback time frames - A specific period during which a chargeback can be raised. First, after a cardholder contacts the bank to inquire about a transaction, the bank uses VROL to pull detailed transaction information. The customer regrets their purchase. Based in Los Angeles and founded in. The tickets were held at the box office, and no signature, swipe or imprint. Dec 6, 2021 — Betty's bank issued the chargeback for $9. Sign. If the order was genuinely not as described, then the cardholder has a case. Once you receive this notification, you have 11 days to submit a response. The actual underlying cause of this chargeback is. 2 – EMV Liability Shift Non-Counterfeit Fraud. pdf), Text File (. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. A reason code is how banks categorize the reason for a chargeback. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. . Only an issuer can initiate the chargeback process. Read on for the complete guide to dealing with chargebacks. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. The shorthand featured is “Non-Receipt of Wares, Services, or Cash. Different card networks have different reason code systems. Write a chargeback rebuttal letter (with sample template) 8 Ways to Prevent Chargebacks. 15% -. A dispute often has a reason code associated with it. 08. Mastercard Chargeback Reason Code 70: Chip Liability Shift. ’Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. 5 Visa Fraud Monitoring Program. Storing fulfillment costs, prevent chargebacks, and improve customer satisfaction. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. France saw a drop of roughly 50% during the same period. MasterCard and Visa each have their own chargeback codes. Chargeback response template for Real Wares Not Received chargeback. EMV Liability Shift Non-Counterfeit Fraud. 4 Funding Process. At Visa they used to receive reason code 98. MasterCard - 4855 Goods conversely Services Not Provided If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. 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. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. The reason for the dispute was false or inaccurate. 104. FR4 Immediate Chargeback Program. 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 validChargeback Reason Codes Page 2 of 5. 1? Visa chargeback reason code 12. Visa, Mastercard, Discover and American Express all have unique chargeback reason codes. chargeback real reason. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. When used at the point of sale, the transaction is. 101. The shorthand description is “Invalid Card Number. Collect Compelling Evidence. However, the issuer must wait at least 15 days after the transaction processing date to initiate the chargeback. A chargeback is when a credit card issuer returns funds to a cardholder who disputes a transaction on their card. Chargeback reason codes are codes used to categorize the reason for the dispute. Merchants can fight back against invalid chargeback debit card claims through representment. The newer system is designed to. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. ” This code indicates that the cardholder damages the salesman acted not ship an goods or offices group paid for. Contact ChargebackHelp and we can have you sleeping better at night by improving your dispute protection in very short order. There are over 80 unique return codes, each representing a different return type. There are dozens of reasons why cardholders and issuers dispute transactions. Chargeback Reason Codes All received credit card disputes include a reason code. Everyone has had the experience of buying. Though the credit card networks have a vast choice of codes, loopholes still happen. Common Chargeback Reason Code . “Our broad international experience with the banking industry, our familiarity with each and every credit card network’s unique chargeback guidelines, our proprietary. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Protect stored cardholder data. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. chargeback real reason. e above 0. However, the issuer must wait at least 15 days. ), confirming that the cardholder has enough funds or available credit to cover a transaction they're making with their card. Clerical 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. In-Depth Analytics Recognize the really reasons to transaction disputes and solve issues at their source. Step #2 | Report the Scam to PayPal. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Reason codes are created by the major. Date Option. The card not present chargeback come in as codes 10. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. See the list of reason codes below: Card Network. It can range from 60 to 120 days from the billing date. 4 spec (Section 8. 4 Other Fraud Card Absent. Reason codes are important to help merchants address recurring. So the company has more incentive to side with customer during cardholder disputes. Transaction unauthorized make up 30% is all. Services industry for image exchange and the creation of IRDs. 4808: This code can refer to: Account Number Not on File. They help categorize cardholder disputes and determine next steps, and they vary by card network. Proof that the cardholder rejected your attempt to correct the quality. 4. We’ll Handle the Chargebacks. 2. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. A signed work order the proves you completed a correction of the quality of goods or services. MasterCard: Reason Code 4859 Services not rendered. 4 Fraud – Card-Absent Environ. The network hasn't wholly disallowed some old codes. 3 MasterCard Retrieval Reason Codes. EMV has been a mostly global standard since 2004. 1=1010, 10. That's because the cited reason code may only sometimes reflect the genuine motivation behind it. Different systems are used to reverse purchases based on these codes. This reason code applies when a merchant somehow manages to process a transaction against an invalid, unassigned, or otherwise incorrect card number. 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. Across the four major credit card networks (i. many chargeback reason codes that exist today. This reason code is accompanied by a fraudulent reason code (UA). In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. Inform your acquirer of the date that the credit was issued. 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. Receive the Chargeback. Examples of compelling evidence that you may submit in response to a chargeback with this reason code include: Proof that the cardholder approved the quality of goods or services. 3 Fraud – Card-Present Environment. If your chargeback ratio is high [i. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. Reason Codes Category 4: Processing Errors. ” This code indicates that the cardholder claims the merchant did not deliver the goods or services they paid for. Find - RG Non-Receipt of Goods, Company, or Coin h. 6. Each chargeback received a numeric code which is known as the “reason code”. 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. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. Each card. 9808 info@chargebacks911. Reason code 12. 6. Most commonly the payer is a consumer. ] fee collection, funds disbursement, or request for a source document. Discover has just one additional category to classify one reason code: Dispute Compliance. Code. Reason Code. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. Code Reason (for Visa) 10. The new reason codes follow a format of two digits, a period, then a third digit. Example: 25. Fraud UA01 Fraud – Card Present Transaction UA02 Fraud – Card Not Present Transaction UA05 Fraud – Chip Counterfeit Transaction UA06 Fraud – Chip and PIN Transaction UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature) Authorization NA No Authorization DA Declined Authorization Accessed October 17, 2022. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. 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. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. If you get a chargeback,. Please refer to Annexure — B for details. You can learn more about each one by visiting the Mastercard Chargeback Guide. These may impact the dispute time limits. Chargeback reason codes are codes used to categorize the reason for the dispute. Merchants can find a. 1. A well-structured rebuttal letter should address the chargeback reason code, clearly explaining why the cardholder's dispute is not legitimate and why the funds should be returned to you. 2. Discover uses unique codes to explain those reasons to merchants. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. Where: <event-group> is a two-digit general accounting event group. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. 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. 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. Chargeback Reason Coded by Network - 2023 Guide. The third digit indicates the specific reason within that category. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. 3 falls under the “Consumer Disputes” category. These are only a handful of common Visa chargeback reason codes. There are multiple situations in which this can occur. 7: Defective goods and services: C32: RM: 13. When filing a chargeback,. MasterCard and Visa each have their own chargeback codes. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Updated these Discover Chargeback Codes: RG, RM, U01, U02. These codes are broken down into five different category. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. Dubbed "Compelling Evidence 3. The chargeback process can last from one month to six months. Either the acquiring or issuing bank could initiate the. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. Added these Discover Chargeback Codes: 05, PM. Also, remember that the time frame for your response includes any processing required by the acquirer. Verifi's Chargeback Dispute Resolution Network (CDRN) is a network of issuing banks established by Verifi to help merchants prevent chargebacks. We know the reason codes and chargeback guidelines. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. A T-code has the following format: T< event - group >< event -type-code>. When the customer disputes a charge, the issuing bank then begins the chargeback process. In the case of friendly fraud, that reason could be completely invalid and. Chargebacks. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. The card, not present chargeback come in as codes 10. In the case of Reason Code 80, the emphasis falls on best practices for processing key-entered transactions and we have written in detail on that subject before. Every chargeback has a reason code associated with it. Pinterest. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. Also, just like American Express, Discover functions as both a card network and an. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. For situations where reason code 4855 would utilize, issuers have since assigned go use reason code 4853 choose. FAQ: What remains Chargeback Representment? TIPS. 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. 5%. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. In order to identify the reason a customer disputed a charge, it can be helpful to examine the reason code on the chargeback. Visa Chargeback Reason Codes. 1 falls under the “Processing Errors” category. Thus, the easiest way to prevent chargeback reason code 75 from being. Products. Then it chooses the most applicable code for a. 6. 10. Code. Code 4807: Fraudulent Card-Present Transaction. Join; Contact; 866-999-3758 Schedule my demo Solutions. If the order was genuinely not as described, then the cardholder has a case. Reason Code. Forensic Cryptocurrency Investigation Services. But, it could be up to 540 days, in some situations. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. Chargeback reason codes. Invent - UA02 Fraud – Card Not Present Transaction. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. '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. Card issuers and card networks deem certain chargeback codes to be nearly indisputable by merchants, and as a result, a merchant can be charged a fee of up to $500 by card networks for submitting a dispute of such chargebacks. Using our e-commerce fraud prevention tools, we help lower friendly fraud costs and chargeback rates, but also reduce gift card and coupon abuse, and promote secure login authentication. 4 United Pay Retrieval Reason Code. Reason codes differ by card brand (Visa, Mastercard); a complete list can be found here. The cardholder received the merchandise or service but claims they didn’t receive it. Mastercard Chargeback Reason Code 71: Disputed Amount. Discover uses unique codes to explain those reasons to merchants. Clerical 101. CBR merchants are covered for reimbursement on claims submitted with a fraud or unauthorized chargeback reason code, however our Representment Services will apply to all your retrievals and chargebacks regardless of claim disposition. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. The way you manage chargebacks depends on your account setup. These disputes are commonly referred to as friendly fraud. STEP #3: The Reason Code. Use clear and consistent billing descriptors. The event group portion of the T-code is sufficient for reconciliation and report parsing. Discover - RG Non-Receipt of Goods, Services, or Cash. Find - RG Non-Receipt of Goods, Company, or Coin h. Removed Visa Chargeback Code 60. Reason code 83 represents a chargeback categorized as. 0. 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. For best results, your chargeback win rate should be as close to 100% as possible. Fraud UA01 Fraud – Card Present Transaction UA02 Fraud – Card Not Present Transaction UA05 Fraud – Chip Counterfeit Transaction UA06 Fraud – Chip and PIN. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. The only viable strategy for preventing chargebacks having to do with processing errors is training staff on proper card acceptance procedures. 3. QUE: Quebec tax. Administrative returns (R02, R03, R04): 3%. Visa Reason Codes 13. Cardholder-Activated Terminal (CAT) 3 Device. WEX began issuing chip cards in Q4, 2020. 1003 - Transaction Supporting Document (TSD) needed. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. The merchant should. GraphQL Docs & Tools. 4 Ways to Fight Chargebacks: Gather compelling evidence. Copy and paste these chargeback response templates when responding to the toughest chargeback reason codes and increase your chargeback win rate 10x. R03 Insufficient Reply. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. Typical chargeback reason codes are: DA: Disputed amounts DD: Unearned (disallowed) discount amount Note. Removed Visa Chargeback Code 60. Now, 10. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. 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. 975.