Message. So don’t spend another second worrying about chargebacks. 3: Goods or services were not as described: C31: RM: 13. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. FR4: Fraud: Immediate Chargeback Program: This is a program that allows American Express to process any dispute immediately as cardholder. 7: Defective goods and services: C32: RM: 13. American Express chargeback reason codes REASON ODE ENCYCLOPEDIA sift. Learn more about Mastercard chargeback reason codes. Card networks send these codes to merchants to indicate why a chargeback has been filed. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. You can see a reason code 11. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. FR4: Immediate Chargeback Program FR6: Partial Immediate Chargeback Program The Ultimate Dispute Management Resource. Both EFM and ECM measure compliance at the MID level. FR4 Full Recourse FR5 Full Recourse M01 Acct Notice - processed Chargeback authorization M02 Acct Notice - processed your credit M03 Acct Notice - processed your credit M04 Acct Notice - debit stands M05 Acct Notice - ch does not agree M06 Fraud - full data stream not provided M07 Rental Room Charges Only M08 Rental Room Charges Only the Chargeback. that the transaction was either approved online by the issuer or offline by the chip. In simple terms, VCR introduced five definitive changes to the dispute resolution process: The timeframe for merchant response was shortened from 45 days to 30 days. Tap “>” beside the charge to see an accurate timeline view of the disputed transaction. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. When a card is declined, it is in your best interest to accept that answer and either cancel the transaction or ask for a different form of payment. This is a fairly common chargeback reason that can. 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. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. 1? Visa chargeback reason code 12. Merchants. 2. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. Here are the two possible scenarios: 1. 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. When one cardholder initiates a dispute with their issuing bank, a. A chargeback can happen when a customer initiates a transaction dispute. If you don’t reply in time or with . The business has the chance to refute the chargeback. 11. Chargeback Base Codes by Network - 2023 Guide. 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. Unfortunately, it is pretty challenging to prevent friendly fraud. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. 3. Charge Amount Exceeds Authorization Amount. Depending on the reason code, chargeback disputes may have different time limits. May 2011: 5. The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. The reason code may not necessarily reflect the actual reason for the chargeback, but you ought to respond to it based on the provided chargeback code. It is a valuable resource for anyone involved in the payments industry. The cardholder does not recognize the Merchant. pdf), Text File (. Click “add filter”. When card holders discover a criminal accessed their credit card data and used it to make fraudulent purchases, the customer may file a chargeback to recoup their funds. Reason Code 11. • Removed reason code 4840 (Fraudulent Processing of Transactions) Chapter 1—General Information. ”. The keys to this are improved communication, enhanced customer satisfaction measures, and effective dispute resolution when necessary. reason_description: string. This definitive guide comes that chargeback reason codes from jeder of of four majority card networks. As a merchant, you face the brunt of chargeback losses. Availability Date: October 24th, 2021. The newer system is designed to. Using the same link provided above, contact PayPal to report the scam. If you're contesting a chargeback, you'll need solid evidence. Find your dispute ticket by choosing between the “Open” and “Closed” tabs. In fact, the same thing could be said of other chargeback reason codes, too. Mastercard Chargeback Reason Code 71: Disputed Amount. Please discontinue all future billings, if. Discover: Reason Code 4755 Non-receipt of goods or services. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. The third digit indicates the specific reason within that category. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. Save finalize leaders includes the chargeback good codes off each of the four major card networks. The Fintech Times. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. Typical reason codes are: BD: Bad debt DC: Damaged goodsOftentimes, the reason code assignment is based on limited knowledge and insight. Name (*) Email (*)Chargeback. An invalid chargeback is defined as an unnecessary or non-compliant payment dispute — a chargeback that shouldn’t have happened. At Visa they used to receive reason code 98. Merchants can find a. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. The sale is revoked, and the merchant loses the sale amount plus fees. Your establishment is on an Immediate Chargeback agreement with American Express. It is a valuable resource for anyone involved in the payments industry. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. Documentation must be a direct result of cardholder communication. Fraud (10)& Authorization (11)Late Presentment Rules: Mastercard. This code tells you why the customer or bank initiated the dispute. 2 EMV Liability Shift. Contact ChargebackHelp and we can have you sleeping better at night by improving your dispute protection in very short order. 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:Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Not remembering the original purchase. Duplicate transaction. chargeback management with an easy to use online system. If you get a chargeback,. 41 4841 Cancelled Recurring Transaction 53 4853 Not as Described or Defective Merchandise 57 4840 Fraudulent Multiple Transactions 62 4870/4871 Counterfeit Transaction Being familiar with the potential chargeback reason codes gives recurringChargeback or chargeback dispute: A claim against a transaction initiated by a customer with their bank, resulting in a forced payment reversal. A01. Midigator has created a database of reason codes. Scenario 2. A reason code is how banks categorize the reason for a chargeback. 3: Goods or services were not received: C08: RG: 4855: 13. ”. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Subscribe today to our newsletter and stay up to date with all events coming straight in your mailbox:Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. A chargeback reason code is a 2-to-4-digit alphanumeric code chosen by the issuing bank from a predetermined list to reveal the reason the cardholder gave for requesting a chargeback. Click on “report a problem” and select the transaction in question. Chargeback Reason Codes by Industry. You should be. There are two parts to this. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,• Rule changes for chargeback reason codes involving unjust enrichment associated with credits issued before or after a chargeback and/or after a second presentment. For this reason, you must document all debit and credit card transactions and adhere to the strict rules set by the card networks. You can learn more about each one by visiting the Mastercard Chargeback Guide. The chargeback process can last from one month to six months. But, merchants should be aware that, eventually, everyone will be required to use the new designations. Contact us here or call us at 1. Documentation must be a direct result of cardholder communication. Reason codes differ by card brand (Visa, Mastercard); a complete list can be found here. txt) or read online for free. UA05 Fraud – Chip Counterfeit Transaction. The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. for chargeback reason code 4863 (Cardholder Does Not Recognize). FR4:. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 0. 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. Discover - RG Non-Receipt of Goods, Services, or Cash. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes American Express Chargebacks / Disputes. Additionally, Amex uses a fifth "Miscellaneous" category. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. There are four primary phases to a Visa dispute: After Visa. Category. A reason code helps explain why a transaction was disputed. 1. This will be referenced in the chargeback notice you received. 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. 9905. 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. Chargeback time limits vary depending on the reason for the dispute. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. Most commonly the payer is a consumer. Amex Chargeback Reason Code FR4: Immediate Chargeback Program Description This is a program that allows American Express to process any dispute immediately as cardholder files a chargeback for any reason than actual fraud. Updated Disputes/Chargeback Policy Coming April 20244853 – Cardholder Dispute – Credit Not Processed. Upfront Chargeback If we determine we have sufficient information to pursue a Chargeback, we may debit your account up front. AT Authorization Noncompliance. This may include: Transaction receipts; Merchant credentials; Customer authorizationThe AVS check is usually done as part of the merchant’s request for authorization on the card. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. However, they don’t address the reason why that chargeback was issued in the first place. The merchant generates a QR code for the transaction, which the customer scans using the Alipay app on their smartphone to complete the payment. The existing 22 chargeback reason codes will be replaced by new reason codes and grouped into 4 categories: 1. How To Win. Chargeback. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. 4: . Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. By entering your email, you agree to receive marketing emails from Shopify. A chargeback can happen when a customer initiates a transaction dispute. EMV Liability Shift Counterfeit Fraud. Mastercard Chargeback Reason Code 73: Duplicate Transaction. High Level Visa Chargeback Dispute Flow. How you respond is determined by the chargeback reason code: Embed This Graphic. 1 Merchandise/ Services Not Received. Visa Chargeback Reason Codes. Which is meant to know the reason for the dispute. The business has the chance to refute the chargeback. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. EMV Liability Shift Non-Counterfeit Fraud. 10301. 1 EMV Liability Shift 10. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. This can be a little confusing; Visa uses the term “dispute” in place of the term “chargeback. When a customer decides to dispute a charge made to their debit or credit card, it is referred to as a chargeback. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 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. 105. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. In some cases it can be upwards of 540 days, though, depending on. Like definitive guide involves the chargeback reason laws upon each of the four major cards networks. The. 1: EMV Liability Shift Counterfeit Fraud: 10. The reason_code field lists the reason code the issuing bank has assigned to the chargeback. Card Member cancelled, refused or returned goods and/or services American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. 4812 Account Number Not On File. 6: Credit not. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. If you've determined the chargeback is meritless, and you know the reason code, below are the five stages of an effective chargeback representment. The shorthand description is “Immediate Chargeback Program. It also regulates the way banks must respond to consumer complaints and sets limits on liability for lost or stolen debit cards. 1 Card Recovery Bulletin or Exception File. MasterCard - 4855 Goods or Services Not Provided. “ Chargeback Fraud Threat Growing as 65% of Chargebacks911’s Respondents Reported an Increase in 2022 “. Summary of Changes, 13 December 2018The 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. 102. One catch is that CE3. Each card issuer follows their own standards for defining reason type, code and its format. April 2018_Chargeback Reason Code Encyclopedia. Once filed, the merchant generally has 20 days to respond to the chargeback. Terms and conditions. It gets worse. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. When a card is declined, it is in your best interest to accept that answer and either cancel the transaction or ask for a different form of payment. By entering your email, you agree to receive marketing emails from Shopify. Chargebacks are a major threat to businesses big and small. Use order validation and prevention alerts. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. The cardholder does not recognize your name on their statement. Amex Chargeback Reason Code FR4: Immediate Chargeback Program Description This is a program that allows American Express to process any dispute immediately as. Prevented; Recover; Tools. Always swipe the card once in the direction of the arrow shown on the reader. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. FR4: Fraud: Immediate Chargeback Program: This is a program that allows American Express to process any dispute immediately as cardholder. A chargeback happens when a customer requests for a transaction to be reversed. Different card networks have different reason code systems. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. As soon as a customer requests a chargeback, their bank will reach out to the business’s bank and give them a heads-up that the chargeback has been requested. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. “American Express Chargeback Reason Codes | Sift”. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. reasonable and that the transaction did not exceed this amount range. FR4: Establishment on Immediate Chargeback Agreement, Discontinue Future Billings: FR5: Establishment on Immediate Chargeback Program, Disputed Charges Debited: FR6:There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. Reason codes. FR4 Full Recourse FR5 Full Recourse M01 Acct Notice - processed Chargeback authorization M02 Acct Notice - processed your creditthe Chargeback. Visa Code # MasterCard Code # Reason. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. UA02 Fraud – Card Not Present Transaction. The issuing bank assigns each case a code according to the consumer’s claim, and the merchant must adhere to the time limits for that specific code. Solution. This ranges anywhere from roughly 60 to 90 days after purchase. pdf), Text File (. Visa Code # MasterCard Code # Reason. Batch chargeback process. Click on the Chargeback Reason Code drop-down menu, the user can change the. Updated: Valid values updated. Follow the Rules. Chargeback reason code 10. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration. Visa Chargeback Reason Codes. If the available information indicates that the customer dispute is a valid one, American Express will automatically debit your merchant account for the amount of the disputed transaction and will send you a chargeback notification for you to review. Visa ® has launched the CE 3. It can range from 60 to 120 days from the billing date. ”. #9. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal. Clerical These chargebacks occur to resolve chargeback-related disputes between network members. Merchants who believe they have received an invalid chargeback under reason code 13. France saw a drop of roughly 50% during the same period. Mastercard has plans to follow suit. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. On that note, below are some vendor missteps that could result in Visa reason code 13. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Here’s how your store can prevent and deal with chargebacks. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. It depends on the chargeback reason code associated with the dispute. Apparel retailers and suppliers must proactively address chargeback issues. Chargeback. >>Chargeback Reason Codes<< >Fraud 10. . Here’s how your store can prevent and deal with chargebacks. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Receive the Chargeback. Not remembering the original purchase. Try Shopify free for 3 days, no credit card required. Cardholders and card issuers can place disputes on transactions for a variety of reasons including product returns, defects, cancelled reservations, and card processing errors. Step 1: Identify the Source. For example, your trading name on the receipt differs to that on their statement. Each card network maintains reason codes to cover all the disputes that qualify for. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received. It's essential to respond within the. However, it's advisable to respond to whatever reason code you received from the bank. If the order was genuinely not as described, then the cardholder has a case. Transaction unauthorized make up 30% of all chargeback reason codes. In simple terms, a payment dispute is simply a disagreement between a cardholder and a merchant about a charge. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. Fight; Prevent; Recover; Predict; Success Story; Resources. The merchandise was as described or was not defective. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. Visa chargeback reason codes are used to categorize the reasons for a chargeback. It is subject to change and may not include every currently known dispute reason code. By entering your email, you agree to receive marketing emails from Shopify. Shopify has four status categories for chargebacks and inquiries: Open: No response has been sent yet and evidence can still be added. 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. Even if the chargeback is later canceled, the merchant will still have to pay fees and administrative costs. These disputes are commonly referred to as friendly fraud. The following chargeback reason codes are related to EMV: Visa: 10. The network plans to reduce response times even further to just 20 days in the near future. 0 only applies to reason code 10. Visa ® has launched the CE 3. Visa chargeback reason code 11. Now, compliance cases must be submitted through Visa Resolve Online (VROL). Field name: reasonCode. You can learn more about each one by visiting the Mastercard Chargeback Guide. 2. Having a Lax Attitude Toward Industry Rules & Regulations. 2. As we touched on earlier, chargebacks can happen due to technical errors. EMV Liability Shift Non-Counterfeit Fraud. Check with the issuing banks to determine what time limits may apply to you. Once filed, the merchant generally has 20 days to respond to the chargeback. The customer regrets their purchase. Each time a consumer files a chargeback, the merchant is hit with a fee ranging from $20 to $100 per transaction. Fraudulent TransactionsProtect cardholder data. This information should be based on the Visa chargeback reason codes assigned to the case. 975. 1. Overall returns (all codes): 15%. This code tells you why the customer or bank initiated the dispute. Reason code Description; FR2: Fraud Full Recourse Program: FR4: Immediate Chargeback Program: FR6: Partial Immediate Chargeback Program: F10: Missing. Having a Lax Attitude Toward Industry Rules & Regulations. 0 represents the first rules change of its kind that specifically provides merchants with the opportunity to reverse the fraud status applied to a transaction associated by reason code 10. Chargeback Reason Code. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). 102. Chargeback . 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. . The system does not accept blank as a value, even if it is defined in the user defined code table. This chargeback occurs when merchants do not adequately provide currency information. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)• Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Accessed October 17, 2022. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Not recognizing your billing descriptor on a statement. 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. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. A chargeback is the potential outcome of a disputed credit or debit card transaction. The issuing bank reviews the information. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. 10201. 7: Defective goods and. For example, your trading name on the receipt differs to that on their statement. Please see the below “cheat sheet” for the new 4 byte reason codes. 4807 Warning Bulletin File. reasonable and that the transaction did not exceed this amount range. We assign the dispute to you for review in your Customer Area > Risk > Disputes, or send you a webhook. American Express uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors as well as two additional categories, Inquiry/Miscellaneous and Chargeback Programs, to classify just a handful of reason codes. 11. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. Chargebacks were introduced as a form of consumer protection against. The goal is to reduce. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. 3. Additionally, Amex uses a fifth "Miscellaneous" category. Chargeback Reason Code. As. This involves the cardholder’s bank serving as a mediator, rather than eBay. In friendly fraud, the cardholder. resolved via the chargeback management process and within timeframes. Write customer-friendly policies. Discover Chargeback Reason Codes Explained. 3? Visa chargeback reason code 13. Compare account numbers. The shorthand description is “Late Presentment. UA06 Fraud – Chip and PIN Transaction. The issuing bank will then pass on the chargeback to the merchant. To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. Scenario 1 — upfront chargeback. This can also. A “No Authorization” code chargeback can also be the. Issuer Review; Allocation. EMV has been a mostly global standard since 2004. 3 No Authorization. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. On the home screen, tap “Disputes. These are only a handful of common Visa chargeback reason codes. Additionally, Amex uses a fifth "Miscellaneous" category. The issuer investigates. ECM monitors first presentment chargebacks regardless of reason code or transaction type. The first two digits indicate which category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. [1] Sift. /HealthCare IIAS Auto-sub Data Retrieval Request 70 Int'l only Effective Change Date AMEX F24 FR4 FR5 M01 M04 M10 P01 P04 P05 R03 R13 Duplicate Billing Captial damages M19 Offset adjustment Non-Matching Account Number. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. 7 • A transaction has been processed against a card number that is invalid because it does not exist, has not been assigned to an active cardholder account, or is otherwise incorrect. The aim of CE 3. The shorthand description is “Goods/Services Not as Described. DD: Unearned (disallowed) discount amount. Expedited Dispute Resolution forms will not be allowed.