Chargeback reason codes list. Learn the details, the cause, how to respond and how to prevent Visa Reason Code 13. Chargeback reason codes list

 
 Learn the details, the cause, how to respond and how to prevent Visa Reason Code 13Chargeback reason codes list  The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason

When a customer files a dispute, the incident will be sent through the “Allocation” workflow if it is designated as a “Fraud” or “Authorization” -related dispute. It depends on the chargeback reason code associated with the dispute. Reason Code – 10. The following is a list of Walmart deduction codes, definitions, and corresponding EDI: Paper Code: EDI: Definition: 001: F1: Defective: 002: 15: Return recall: 003: GG: Unsellable merchandise: 010: 01:. Explore more ACH Return Codes. 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. A cardholder claims that they did not receive the service or merchandise they ordered. 5%. And, each code has unique compelling evidence requirements if you choose to fight. All the old reasons are. Again, banks should not really be using 4807. For returns, the time period is 7 days. Visa chargeback reason code 12. The merchant failed to ship the merchandise by the promised delivery date/time. View the entire list or search for any chargeback reason code. . Get your complete guide to Discover reason codes, including all the detailed information, chargeback time limits, and other important information you need. You may have to temporarily disable or lower the risk score for the Card/bank account holder name contains a non-alphabetic character risk check. 1? Visa chargeback reason code 11. Reason Code 03. ©ACH return codes and explanations for R01 – R33 returns. Reason codes. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. The problem continues to grow out of control with each year. Be careful not to process canceled or voided transactions. may be reversed if merchant can provide proof that the correct fare was quoted to Cardholder; That<br />. Resources. 3 – CBK: Requested/Required Authorization Not Obtained 12. Guest Blogger July 26, 2023 10 min read As an e-commerce store owner, it's important to understand the concept of chargebacks and the role they play in your business. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. The card scheme receives the chargeback and forwards it to the acquirer. 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. 1001 - Cardholder does not recognize the transaction. Even if the chargeback is later canceled, the merchant will still have to pay fees and administrative costs. WEX began issuing chip cards in Q4, 2020. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. Mastercard Chargeback Reason Code 71: Disputed Amount. Only an issuer can initiate the chargeback process. 3 No AuthorizationFree Download. C18 – “No Show” or CARDeposit Cancelled. Whenever a card used in a transaction is declined, the sale should be terminated. The issuer reviews the case, assigns a reason code, and initiates the chargeback. Each reason code is composed of a two-, three-, or four-digit number. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. This category for scamming chargeback claims is represented with the following reason codes: AMEX - F29 Card Don Presentational. The ultimate purpose of a chargeback reason code is to explain to the merchant why a chargeback was filed. Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet. Updated the following columns - card type, response due date. 4 Fraud – Card-Absent Environ. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. What is Visa chargeback reason code 13. Category. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. Condition 13. Company. 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. To generate a chargeback, the issuer must submit the First Chargeback / 1442 message with the applicable message reason. Reason Code 04. In the case of friendly fraud, that reason could be completely invalid and. The bank can then reverse the transaction, deducting the funds from your account and returning them to the cardholder's account. Thus, the easiest way to prevent chargeback reason code 75 from being filed is. Reason codes are alphanumeric codes that provide the justification to awarding a chargeback. Once you receive this notification, you have 11 days to submit a response. Here's a rundown of the most common decline codes: 51 - Insufficient funds: At the time authorization was requested, the customer’s account did not have sufficient funds to cover the transaction. 4841 Canceled Recurring or Digital Goods Transactions. We will assign the chargeback to you for review in the Disputes tab of the Customer Area. The merchant processed a random account number and didn't obtain the owner's authorization. Step 1: A purchase occurs. This process is called a chargeback. P04 – Charge Processed as Credit. Credit Posted as a Purchase chargebacks, for example, at. Take the time to note the following dispute reason codes for Visa. And each reason code has unique compelling evidence requirements if you choose to fight. 3: Other Fraud — Card Present Environment: 10. 1 Merchandise/Services Not Received. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. 13. Scenario 1 — upfront chargeback. MasterCard - 4855 Goods or Services Not Provided. R03 Insufficient Reply. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. Retry after 8 days. P22 – Non-Matching Card Number. Card Number: Alphanumeric: The first 6 digits, followed by. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. 1? Chargeback reason code 11. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. Solution. That said, looking up purchases using this number can make it easier to provide info following an. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. Specifically, these updates only pertain to transactions that are charged back after Oct. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. Chargebacks occur when a credit cardholder disputes a charge on their statement with their issuing bank, in order to ask for a refund. Merchant must provide proof of authorization. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, and. compliance process depending on whether a chargeback right exists. Chargeback reason codes. What is Visa chargeback reason code 11. 3 Changed Discover Reason Codes to match what is shown in the UI. September 2011: 5. A transaction event code, or T-code, is a five-character alphanumeric string, such as T0001. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card. C02 – Credit Not Processed. 11/03/15 Updated these MasterCard. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. 1. Midigator has created a database of reason codes. Below are some examples of more common reason codes. Merchant processed transaction below floor limit without authorization. Reason. This chargeback may be reversed if merchant can. Ineligible Transaction (International only) 79. 5 Chargeback Reason Code List - U. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. Visa chargeback reason codes, for example, are numerals with decimals. Ensure you’ve fully reviewed the chargeback reason code before writing your chargeback rebuttal letter. The Federal Reserve Banks use Return Reason Code 6 for items drawn on a retired routing number and Return Reason Code X is used for paper deposited return items converted to image by the Federal Reserve Banks. 3 is the less common version for card-present transactions. The tickets were held at the box office, and no signature, swipe or imprint. Fraudulent Transactions (Codes 4800. Technical. [noun]/* fren • dlē • frôd • /. Depending on whether the documentation is required or not, Paymentology will submit these chargebacks on the client’s behalf. for chargeback reason code 4863 (Cardholder Does Not Recognize). Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. Having a Lax Attitude Toward Industry Rules & Regulations. 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. This Visa chargeback condition is very common. Chargeback /Dispute; Merchant Response. That's why we created this handy reason code lookup tool that includes all the codes for all four major card. 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. 4853 Cardholder Dispute. There are over 50 chargeback reason codes between all the major card brands. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Declined Authorization Authorization Visa Code: 11. 4: Other Fraud — Card Absent Environment: 10. 5 and, more or less, associate the dispute with an issue related to a stolen credit card. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. 10. Customers cannot dispute pending credit card transactions; they have to wait for it to actually post to their account before they can initiate a dispute. Chargeback Gurus takes the pain out of chargeback management, helping businesses recover their lost revenue. It was originally one of several possible scenarios covered by legacy Visa reason code 83. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not Received Non-Receipt of Goods or Services NO YES VISA 41 Canceled Recurring Transaction Cancelled/Returned by CardholderThe post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. The shorthand description is “Warning Bulletin File. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. P01 – Unassigned Card Number. Each bank card network has its owner list of reason codes banks must prefer from. Explanation. P05 – Incorrect Charge Amount. 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. With that said, you still need to understand the reason codes with any chargebacks from Amex. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. You can learn more about each one by visiting the Mastercard Chargeback Guide. For example, the merchant bills the cardholder in installments. This could happen as a result of fraud or merchant abuse. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Use clear and consistent billing descriptors. Reason Code 04: Excessive Chargebacks: The merchant breached predetermined chargeback thresholds. MasterCard Chargeback Reason Codes. Download this sample Chargeback Rebuttal Letter. You may also receive this code if the transaction was. Updated Visa Reason Codes. The cardholder claims they were charged multiple times for a single transaction. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. The client can send Paymentology a list of disputes, using a predefined batch chargeback submission template that has been requested to chargeback. F01. Mastercard gives you 45, and Discover gives you 30. So the company has more incentive to side with customer during cardholder disputes. This reason code indicates that the merchant processed a transaction using the wrong transaction code. ” This code indicates that the merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, and submitted the. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. If the first chargeback was correct and the acquirer bank failed to change the dispute properly, the issuer may continue the chargeback with the same reason code originally processed. 77. Presentment Message Reason Code to IPM Arbitration Chargeback Message Reason Code Removed first bullet in Supporting Documents section Arbitration Chargeback Summary of Changes, 1 May 2018How you respond is determined by the chargeback reason code: Embed This Graphic. A reason code identifies the reason behind every chargeback. UA02 Fraud – Card Not Present Transaction. View the entire list or search for any chargeback reason code. About Discover chargeback reason codes. To track these chargeback reasons and many more not listed here, each credit card issuer has its own list of chargeback reason codes. Code. Non-Receipt of Information Chargeback Reasons. This process is called. Reason Card Type Reason Code Description Merchant Action Code This Chargeback occurs due to a dispute relating to swiped transactions in which the Cardholder Discover UA11 Swiped Card Transaction – No Signature claims fraud and a signature was not obtained. Code. About Careers Contact. Merchants can find a. This Return Reason Code may only be used to return XCK Entries and is at the RDFI’s sole discretion. There are dozens of different chargeback reason codes spread across the different card networks, which correspond to hundreds of different chargeback triggers. For instance,. The cardholder has a chip card and someone made a counterfeit copy of it. If they accept, this is the final status. 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. 5 percent of all transactions. This new ruleset expands the list of compelling evidence you can use to help undo an invalid customer. Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable. ©Reason. These codes are established by the payment brands to categorize the incoming dispute requests by reason. View Our Full List Here. 8 – Original Credit Transaction Not Accepted. FR6 Partial Immediate Chargeback Program. The chargeback debit usually occurs a few days after you receive the NoC. 3 – CBK: Fraudulent Transaction: No Cardholder Authorization 10. The claim often, but not always, involves automated teller machines (ATMs). Chargeback reason codes are an abbreviated way of offering a basic explanation for the chargeback. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. MATCH Reason Code Description; 00: Questionable Merchant/Under Investigation A Merchant that is the subject of an audit with respect to the Standards. May 2011: 5. Need more help? Download Reason Code Cheat Sheets Chargeback Reason Codes Discover Discover Chargeback Reason Codes The Discover chargeback reason. the chargeback reason code, the issuer/acquirer, and the end customer’s buying. Visa Reason Codes. P07 – Late Submission. Some of the reasons why the order did not reach the cardholder can be as follows: The merchant did not provide the services;ECM monitors first presentment chargebacks regardless of reason code or transaction type. . Non-Receipt of Goods or Services Chargeback Reasons. S. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback MitigationVisa chargeback reason code 70 falls under the “Authorization” category. 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. 13. eCommerce grew too fast for the payments industry to respond. For example, a debit may have been processed instead of a credit, or a credit processed instead. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12,. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Compensation Resolution. A card-not-present chargeback is a payment reversal conducted by a bank in response to a card-not-present (i. The most significant changes were Visa’s overhaul of their chargeback reason code list and the introduction of the Allocation and Collaboration workflows. What is Visa chargeback reason code 71? Visa chargeback reason code 71 falls under the “Authorization” category. 1 falls under the “Authorization” category. Overall returns (all codes): 15%. Paid by alternate means and card. In the case of reason code 11. Identify Your Chargeback Triggers. Mastercard: n/a This chargeback is caused by Authorization. 2 Added chapter providing information about the DiscoverA transaction event code is a five-digit code that classifies the transaction type based on money movement and debit or credit. If the dispute involves a non-Visa card, the dispute can be paused for up to 72 hours for the merchant to respond. This is now an obsolete reason code, and issuers have been instructed to use code 4808 instead. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. PCI DSS v3. MATCH reason codes help acquirers and processors determine if and when your business should be submitted to the MATCH list. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. Solution. The chargeback reason code is important in determining the evidence you need to provide to successfully win the chargeback dispute. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. Technical. g. It’s even more frustrating if you don’t understand what the chargeback code means. Chargeback fees can start at US$25 and go up from there. View the Medicare reason codes list. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 4846. 0. The most comprehensive guide to chargeback reason codes. Support; Login. 1: Card Recovery Bulletin:This standard provides the financial industry with a list of Return Reason codes that are used by the Financial Services industry for image exchange and the creation of IRDs. Visa Chargeback Reason Codes. 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. The American Express chargeback process begins with Amex issuing a chargeback, along with a reason code to explain the dispute to the merchant. ; This chargeback can be. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. Reason Code Description More details Action required; MD06 Disputed authorised transaction Your customer has claimed a refund for an authorised transaction (Core scheme only). When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. Now, compliance cases go through Visa Resolve Online (VROL). Requested Transaction Information Not Received. The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason. 30. © CHARGEBACK REASON CODES Reason. Even learning all the terms and rules won’t keep you. This chargeback<br />. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. 4870 – Chip Liability Shift. Additionally, there are several other reasons you could be on this list related to security, illegal activity, bankruptcy, fraud, or non-compliance. Prior to this, Mastercard’s list of reason codes was long, convoluted, and confusing; now there are fewer than ten different reason codes relevant to most merchants. 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. Chargeback Reason Code. 13. Step 2 – The issuing bank reviews the chargeback dispute charge and electronically sends the transaction to the acquiring bank. A service chargeback is filed by a customer, which means that you need to note the card type and dispute reason code so that you can determine which types of information to submit if you dispute the claim. If like most Discover cardholders, your card was issued by Discover Bank, they are the ones you must contact for a Discover chargeback or to dispute a transaction. If the chargeback stems from the use of non-EMV readers, for example, the merchant should implement compliant terminals. For example, the merchant bills the cardholder in installments. Chargeback Reason Code List - U. Services industry for image exchange and the creation of IRDs. View the entire list or search for any chargeback reason code. 1: EMV Liability Shift Counterfeit Fraud: 10. While deductions may be. Get of Visa’s current reason codes were condensed into four key groupings: fraud, authorization errors, processing fault, and my disputes. 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. screen . We’ll Handle the Chargebacks. Chargeback Reason Code A numerical code that identifies the specific reason for a chargeback. For first chargebacks, Mastercard currently only has 9 reason codes in use,. While the updates have been published, they do not go into effect until Oct. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Spot these types of chargebacks using the below reason codes. The list of steps below illustrate how to initiate a Macy’s (USA) chargeback. Reason codes give merchants information about the cause of a chargeback and what evidence. 4849 – Questionable Merchant Activity – Mastercard Rule 3. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. Often, consumers misuse or intentionally abuse the chargeback process to receive free products, which is commonly referred to as “friendly. For a more detailed explanation, as well as a list of Visa’s individual codes, please refer to our guide on chargeback reason codes. With VCR regulations, the risk of breaching fraud-to-sales thresholds increases. 3 applies when a cardholder claims a charge—made in a card-present environment—was. Use this resource to prevent and fight chargebacks with greater accuracy . Reason Card Type Reason Code Description Merchant Action Code This chargeback occurs because of a dispute on an Airline sale involving allegedly fraudulent card transactions. FR2 Fraud Full Recourse Program. The following tables show the Stripe categories for each card network’s dispute reason codes. 4860 Credit Not Processed. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. About Careers Contact. 4 spec (Section 8. Please refer to chapter 5 for more information. Some reason codes have modifiers that can change what evidence is required, or that require additional evidence in the chargeback response. 100- 140 standards- , and will be removed in future releases. Reason Code: Numeric: Code for the chargeback request (see below). The American Express chargeback process begins with Amex issuing a chargeback, along with a reason code to explain the dispute to the merchant. Chargeback Reason Codes. Except for Reason Code 75, the time limit is calculated from one of the following: Fraud chargeback reasons. 4 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. To quantify the total cost of fraud, we break down the many losses that accrue along the purchase journey of a fraudulent $100 sale. 31. Defense documents should only be supplied if all requirements have been met. For more detailed information on a specific reason. 4 applies to eCommerce, whereas code 10. Discover can be contacted for payment disputes by logging onto your online account or by calling 1-800-DISCOVER (1-800-347-2683). Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Card Recovery Bulletins and Exception Files are documents created by Visa that list credit. There are over 80 unique return codes, and each one represents a different type of return. You can see a reason code 11. 1. 15, 2021. 2. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. Chargeback Reason Codes. 6. Recurring billing transactions are a frequent source of conflict, disputes, and. Some payment service providers like PayPal and Stripe have their own reason codes as well. 2. And each reason code has unique compelling evidence requirements if you choose to fight. 1 Merchandise/ Services Not Received. 2. Administrative returns (R02, R03, R04): 3%. Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds. As an eCommerce merchant, you may think these chargeback codes can answer the motivation behind a chargeback. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. The first thing you should do when you receive a chargeback notification is to check the reason code that the card issuer assigns to the dispute. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. Mastercard Reason Code 4807 – Warning Bulletin File chargebacks should be filed under code 4808. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback MitigationCustomer Dispute. This category of fraudulent chargeback is represented with the following reason codes: AMEX - C08 Goods/Services Not Received or Only Partially Received. In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Claims Resolution. As a merchant, your focus should be on finding and retaining customers--not chargebacks. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. Blog. news & updates. That's because the cited reason code may only sometimes reflect the genuine motivation behind it. Reason. Each code begins with 'R' followed by a two digit number. Visa Claims Resolution consolidated the company’s previous roster of chargeback reason codes into four fundamental dispute categories: Fraud; Authorization; Processing Errors; Consumer Disputes; The reason codes are broken up into general, related categories. P03 – Credit Processed as Charge. By closely examining the characteristics of each chargeback, you. 1. Midigator has created a database of Mastercard reason codes. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. 5% or more are categorized as Excessive Chargeback Merchants (ECM). Chargeback prevention strategies vary based on the reason for the dispute. If the dispute is invalid, provide documentation that proves the reasoning: the merchandise cleared the merchant’s customs but is being held by the customer’s customs agency, the dispute amount includes the cash-back portion of the transaction, or the dispute is for a purchase made at an automated fuel dispenser. ; If the acquirer bank. 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). RuPay has categorized all the chargeback reason codes into 5 different groups as stated below. Inform the cardholder when you issue the credit. The Chargeback Reason Code Format. This reason code is accompanied by a fraudulent reason code (UA). Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. to research a chargeback or reversal case, which is related to an authorization or fraud related chargeback reason code. For instance, some reason codes allow cardholders over a year to file. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. The other member could accept the chargeback or contest it, escalating the dispute to compliance where Visa adjudicates.