Payment capture comes after authorization; at this point, the payment is effectively "settled," and the transaction is over. Otherwise, the bank may reject the transaction. EN. Dispute Condition Description Dispute Condition Code Category Code Category Code Description; EMV Liability Shift: 10. 3. It is subject to change and may not include every currently known dispute reason code. Chargebacks. ” Currently, merchants can already prevent many 10. 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. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Date Option. The tickets were held at the box office, and no signature, swipe or imprint. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. Clearing. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. Here’s how your store can prevent and deal with chargebacks. This guide is updated regularly to reflect the latest rules and standards of Mastercard. FR6 Partial Immediate Chargeback Program. Reason codes are very crucial to assist. 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. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. This chargeback guide can be used as a sample guide when applying for credit card chargebacks. . . [1] Sift. Visa, MasterCard, and American Express all list compelling evidence by reason code. Code 10. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. pdf), Text File (. Utility Services. During this process, the representative of the institution examines the reasons’ list. It covers. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. Mastercard Collaboration will be a step in the right direction. This is a program that allows American Express to process any dispute immediately as cardholder files a chargeback for any reason than actual fraud. Unauthorized returns (R05, R07, R10, R29, R51): 0. Contactless Payment Fraud. The chargeback is ordered by the bank that issued the consumer's payment card. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. Below is a simple set of instructions, based on different situations: If the transaction was verified using SCA ( 3D Secure ): provide this proof. 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. ProfNewt2605. Description: Reason code for applying handling fee. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. In most cases, you will have 20-45 days in which to respond to a chargeback. For educational purposes, here is an overview of the general chargeback process with most major processors: Step 1: A purchase occurs – All chargebacks start with a customer making a purchase, either in-person, in-app or online. Spot these types of chargebacks using the below reason codes. 4999: Domestic Chargeback Dispute (Europe region only) The issuer can supply this message for a domestic chargeback that doesn't meet another chargeback. Visa. Text of Chargeback Guide. . 1, 5 January 2016. Be sure you understand the cardholder’s claim. Removed Revolution Card section and retired reason codes. By entering your email, you agree to receive marketing emails from Shopify. The cardholder claims they were charged multiple times for a single transaction. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. 3:. 1. . The transaction was recurring and the cardholder failed to meet the cancellation terms of the. Do you want to know how to handle chargebacks as a merchant? Download the Mastercard Chargeback Guide - Merchant Edition, a comprehensive resource that explains the chargeback process, the reasons, the time frames, and the best practices to prevent and dispute chargebacks. These are only a handful of common Visa chargeback reason codes. Visa ® has launched the CE 3. 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. . Typical causes The cardholder has a chip card and someone has made a counterfeit copy of it. Learn the details, the cause, how to respond and how to prevent Mastercard Reason Code 4999 Domestic Chargeback Dispute (Europe) . The shorthand description is “Domestic Chargeback Dispute (Europe Region Only). 11, 16. Across the four major credit card networks (i. About American Express chargeback reason codes. Reason Code 04. When one cardholder initiates a dispute with their issuing bank, a. 196 Chargeback Reason Codes, Chip Liability Shift Chargebacks—Mastercard Europe ATM Transactions (Mastercard, Maestro, and. Also, remember that the time frame for your response includes any processing required by the acquirer. Another downside is that chargebacks on annual subscriptions. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 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:Summary of Changes, 13 December 2018 The following are changes with the most recent publication of this document. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. . WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Each chargeback claim is given a reason code, which helps explain to merchants the reason for the dispute. Payment Capture. How you respond is determined by the chargeback reason code: Embed This Graphic. Tap “>” beside the charge to see an accurate timeline view of the disputed transaction. Timeframe: Under card network rules, a cardholder has up to 120 calendar days from the settlement date to initiate a chargeback (depending on the chargeback reason code). 5000–5599. Check with the issuing banks to determine what time limits may apply to you. Chargeback Reason Codes by Industry. 2. The cardholder withdrew their chargeback: Provide a letter or email from the cardholder that states. 60. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Pages 100+ Identified Q&As 7. eco_warrior Posts: 563 Forumite. What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. An ACH (Automated Clearing House) payment dispute is a situation in which one party involved in an ACH transaction raises a concern or disagreement over the legitimacy, accuracy, or authorization of the transaction. Updated Visa Reason Codes. Arbitration Chargeback/1442 Message - MasterCard. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. UA06 Fraud – Chip and PIN Transaction. Now, compliance cases go through Visa Resolve Online (VROL). . Level 2/Phase 2: Chargeback. 1 for Visa, 4842 for Mastercard, and LP for Discover). Message. , American Express, Discover, MasterCard, and Visa), there are 151 chargeback reason codes. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. You can check on the status of your dispute by following these steps: Login to your Chime mobile app. To better be prepared for what the future might bring, we try to predict how hacking tools might evolve. Wenn Sie informiert werden, dass ein Chargeback vorliegt, heißt dies, dass die Transaktion vom Karteninhaber storniert wurde. There are two parts to this. Description of Change Where to Look Corrected the calendar days for the AuChargeback reason codes are an abbreviated way of offering a basic explanation for the chargeback. Now, compliance cases must be submitted through Visa Resolve Online (VROL). Vendors that do not. Discover uses unique codes to explain those reasons to merchants. 11, 16 November 2015, Elimination. Description of Change Where to Look Incorporated the changes annoA 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. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. These codes fit into four categories: (10) Fraud: For transactions where no EMV chip was used, stolen payment card credentials were used or transactions were flagged by the Visa Fraud Program. Find your dispute ticket by choosing between the “Open” and “Closed” tabs. This guide is updated regularly to reflect the latest rules and. Updated: Valid values updated. Effective for Transactions completed on or after 15 April 2016, A Transaction for which Authorization was obtained after a Decline Response was received for the same purchase. Spot these types of chargebacks using the below reason codes. Technical. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Cause The merchant. It balances out the process and gives merchants the much-needed opportunity to influence the progression of a dispute before it becomes a fully-fledged chargeback. Then it chooses the most applicable code for a. Knowing these codes can help you dispute chargebacks more effectively. M01 Chargeback Authorization. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. Description of Change Where to Look Incorporated the changes annoSummary of Changes, 13 December 2018 The following are changes with the most recent publication of this document. Sent them an email saying that you would like to request a chargeback for the duplicate transaction; quoting MasterCard Chargeback Reason Code 4999. F01. chargeback: The buyer filed a chargeback with the credit card issuer. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvinginstead 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. 4999 - Domestic Chargeback Dispute (Europe region only) The issuer may use this reason code when a dispute is possible under domestic rules, but doesn’t meet another chargeback categorisation. F01. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. These may impact the dispute time limits. 02/10/16 Added Debit Chargeback Reason Codes. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for. There are 151 chargeback reason codes across the four major card networks. Learn how to handle chargebacks with Mastercard's comprehensive guide for merchants. These codes are given by the card issuer at the point of time that the customer disputes a given transaction. 2. The chargeback can be for the total transaction amount or a lesser amount. The following are some examples: Visa Reason Code 13. 7. What is Visa chargeback reason code 12. Additionally, one clearing transaction. 4: Fraud—Card-Absent Environment. 11, 16. 1 Chargeback reason codes There are no common chargeback reason codes in the industry; instead, each card network defines its own reason codes. Nachstehend haben wir für Sie die häufigsten Ursachen mit ihren sogenannten Reason Codes aufgelistet. The terminal action codes are in Table 122 of the 4. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. 10. The refund that was processed before the second presentment was for a partial from BIO 101 at Collège April-FortierWhat is Visa chargeback reason code 12. The issuing bank collects evidence from the customer and categorizes the chargeback using the appropriate, card network-specific, reason code. As we touched on earlier, chargebacks can happen due to technical errors. RuPay has categorized all the chargeback reason codes into 5 different groups as stated below. 5%. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. The list of chargeback reason codes in this article. Chargeback Reason Codes. 4: Other Fraud – Card-Absent Environment. This PDF document covers the rules, procedures, and best practices for resolving disputes and preventing fraud. "Acceptable Reason Codes" has the meaning set out in section 2. Complete Guide to Visa Compelling Evidence Update CE 3. Thus, a reason code of one network does not necessarily match with a reason code of another network. Paid by alternate means and card. Doc Preview. Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that included Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that included Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that included Try Shopify free for 3 days, no credit card required. One catch is that CE3. It depends on the chargeback reason code associated with the dispute. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. 2 Compliance CasesShopify Payments Chargeback Reason Code #5: Product Not Delivered. Chargebacks with the following reason codes have been requested due to fraudulent activity: Chargeback reason American Express reason code. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. Cardholder Disputes. . 0: Changed report name from Downloadable Dispute Report to Case Report. Goods / Services Damaged or Defective. 4999: Domestic Chargeback Dispute (Europe Region Only) Point-of-Interaction Error: 4853: Cardholder Dispute: Cardholder Disputes: 4841:Goods / Services Damaged or Defective. 9/7/2022. Reason codes are important to help merchants address recurring. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. . English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. Subsection5. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. 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. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. Reason Code 03: Laundering: The merchant processed transactions that did not involve a bona fide cardholder: Reason Code 04: Excessive Chargebacks: The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds:. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Once you know why a chargeback happened, you can start building a case to address the claims that were made. Chargeback codes Last updated: August 16, 2023 Below you'll find a list of chargeback codes along with an explanation of what each one means, covering both. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. Summary of Changes, 13 December 2018 The following are changes with the most recent publication of this document. This comprehensive guide covers everything from chargeback reason codes to recurring payments and digital goods. In fact, 91. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. “American Express Chargeback Reason Codes | Sift”. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. . A chargeback happens when a customer requests for a transaction to be reversed. 4800–4999. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. 10. Train the staff on how to handle credit, debits, and reversal. Fewer chargeback reason codes. . You must designate the write-off reason code for the system to use when you activate the automatic write-off feature. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. The issuer investigates. Braintree Support Articles. For example, some reason codes offer cardholders over a year to file. 1 Allocation Fraud and Authorization related chargebacks will be processed through an automated workflow. 1 A reason code or a chargeback reason code is a string of symbols (numbers and letters). Pages 100+ Total views 100+ Collège April-Fortier. Step #2 | Report the Scam to PayPal. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. Description of Change Where to Look. 11, 16 November 2015, Elimination. 15% -. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. These can be classified into three types of chargebacks. Chargeback Reason Code . If a dispute has a strong enough basis to warrant a chargeback, Discover will send a chargeback notice to the merchant along with the reason code for the chargeback. Also, just like American Express, Discover functions as both a card network and an. Chargeback time frames - A specific period during which a chargeback can be raised. Reason code 83 represents a chargeback categorized as. Authorisation. 4859 Addendum, No-show, or ATM Dispute. A chargeback happens when a customer requests for a transaction to be reversed. Each bank card network has its owner list of reason codes banks must prefer from. This list was generated 5/4/2022. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. NEW. 2. The way you manage chargebacks depends on your account setup. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. The terms may be different, but the process remains fairly unchanged. Chargebacks are something every business wants to avoid, as they can. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. Click on “report a problem” and select the transaction in question. . . Choose the representment amount. Regardless, merchants must respond to the given reason code. non_receipt: The buyer claims they didn't get the goods or services. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. Network Processing ® ©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. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. • 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. 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. Goods or Services Not Provided. The good news is that most of these invalid claims are disputable by the merchant. Every card brand has a unique set of chargeback reason codes banks must choose from. Clearing. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andWhen that happens, the issuing bank will gather evidence from the customer and assign a reason code to the chargeback based on the card issuer. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. 4. This does not include an AuthorizationLate Presentment Rules: Mastercard. 11, 16. . 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. Upon<br />Visa chargeback reason codes. REQUEST A DEMO. 1 Goods and Services Related Issues 1. 1. Clearing. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)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. Description: Reason Code: Explanation: Incorrect Card Number: American Express P01, P22; Discover IN; Mastercard 4808; Visa 12. Chargeback reason codes have changed. M49 Vehicle Rental – Theft or Loss of Use. . \. Improper Use of Message Reason Code 4999. Chapter 2 1. 0 to 5. Credit not processed for cancelled or returned goods and services 2. Paymentology will submit the chargeback using the appropriate chargeback reason code. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. 0: Updated report version from 1. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). . For best results, your chargeback win rate should be as close to 100% as possible. 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. Multiple Authorization Requests. 1 Different workflows Disputes will be routed in two different workflows, called Allocation and Collaboration. Some credit card companies also include a short phrase describing the code and chargeback. Based on the information provided, Paymentology will investigate the transaction being disputed. “It’s a lot tougher with Mastercard because they only use four main codes. Visa has recently announced changes to its chargeback rules. Write Off. The codes for each card brand are listed below along with the recommended documentation to provide. The chargeback reason code. 1 Quick Reference Lead. Accessed October 31, 2022. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. T01: We have provided proof that the ticket(s) were. By entering your email, you agree to receive marketing emails from Shopify. Deleted Failure to Compare Signature table Compliance Case Filing, Time Frames andIssuer Use of Message Reason Code 7622. 0 rule changes take effect April 15,. Section5. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. 1: Fraud (10) EMV Liability Shift Counterfeit Fraud: 10. View the entire list of reason codes below or search. Reason Code. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. Take the time to note the following dispute reason codes for Visa. . . MDR also retired reason code 4840 – Fraudulent Processing of Transactions. The Chargeback Reason is fraud-related and the Chargeback Notice identifies that one of the below chargeback codes (each, an "Acceptable Reason Code") applies: Acceptable Reason Codes. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. MasterCard: Reason Code 4859 Services not rendered. An Issuer must credit its Cardholder's account for the amount in dispute, whether or not a Chargeback was initiated, if the dispute involves an Electronic Commerce Transaction and the conditions are met for any of the following Chargebacks: - Reason Code 30, "Services Not Provided or Merchandise Not Received". Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. Your request for a chargeback reversal has been reviewed. Clerical The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Contactless payment fraud can refer to any attempt to gain cardholder account. Visa anticipates that changes to the required up-front information will help eliminate the back-and-forth between merchant, acquirer, and issuer, intending to result in a quicker chargeback resolution time for our merchants. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Updated the following columns - card type, response due date. Each code corresponds to an issue or problem. 1: Use the corresponding dates from the invoice. If the order was genuinely not as described, then the cardholder has a case. . 1? Visa chargeback reason code 12. American Express is incentivized to keep their customers happy. Step 1: The cardholder disputes a charge. The chargeback system was designed as a last resort; only to be used in specific situations. Summary of Changes, 13 December 2018 The following are changes with the most recent publication of this document. the time frame applicable for the chargeback reason code chosen. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 1. 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. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. 6. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. These are the phases: Level 1/Phase 1: Retrieval request or first presentment. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank;. Reason Code 03. You’ll want to carefully review all chargeback reason codes so you are familiar with the very detailed regulations. Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. Chargeback reason codes. Try Shopify free for 3 days, no credit card required. 1 EMV Liability Shift 10. Reason code:.