The tables in this topic provide chargeback reason codes and descriptions, as well as decline reason codes and descriptions for why the chargeback was declined. There are separate tables for the card brands.
View the codes for:
| Chargeback Reason Code | Chargeback Code Description | Decline Reason Code | Decline Reason Code Description |
| A01 | Charge amount exceeds authorization amount | 1 | No evidence was provided by the merchant to prove that a valid authorization code was obtained |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| A02 | No valid authorization | 1 | No evidence was provided by the merchant to prove that a valid authorization code was obtained |
| 2 | No evidence to support the claim that the card was not expired on the transaction date | ||
| 3 | No evidence of transaction documentation signed by the cardholder to indicate the cardholder participated or authorized the transaction | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| A08 | Authorization approval expired | 1 | No evidence was provided by the merchant to prove that a valid authorization code was obtained |
| 2 | No evidence to demonstrate the original authorization was not expired a the time the charge was submitted to be processed | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C02 | Credit not processed | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged and the reason the credit is not due to the cardholder |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C04 | Goods or services returned or refused | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence to support the claim that cancellation policy was properly disclosed and the cardholder did not follow the policy | ||
| 3 | No evidence to support the claim that the cardholder did not return the goods and is in possession of such goods | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C08 | Goods/Services not received, or only partially received | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence the cardholder received the goods or services | ||
| 3 | Merchant did not provide proof of Delivery including delivery date and full shipping address | ||
| 4 | Merchant did not provide evidence the cardholder is a registered online user on their website | ||
| 5 | No evidence to support the cardholder accessed your website and completed digital download after the transaction date | ||
| 6 | Illegible documentation was received from the merchant | ||
| 7 | Incorrect documentation was received from the merchant | ||
| 8 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C14 | Paid by other means | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence the other form of payment received was related to another transaction and not the disputed charge | ||
| 3 | Merchant did not provide proof the cardholder consented to use the card as payment for the transaction | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C18 | "No show" or CARDeposit cancelled | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence was provided by the merchant to refute the cardholder’s claim that the “No-show” charge is incorrect when the cardholder cancelled the reservation | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C28 | Cancelled recurring billing | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence was provided by the merchant to refute the cardholder’s claim that the recurring billing was cancelled if the cardholder continues to receive the services | ||
| 3 | No evidence to support the claim that cancellation policy was properly disclosed and the cardholder did not follow the policy | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C31 | Goods/Services not as described | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence to demonstrate the goods or services described on the transaction document were delivered as described | ||
| 3 | No evidence to demonstrate the damaged/defective merchandise was replaced or repaired | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C32 | Goods/Services damaged or defective | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence to prove the cardholder agreed to accept the goods as delivered | ||
| 3 | Merchant did not provide evidence to demonstrate the damaged/defective merchandise was replaced or repaired | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| FR2 | Fraud full recourse program | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| FR4 | Immediate chargeback program | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| FR6 | Partial immediate chargeback program | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| F10 | Missing imprint | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide the transaction receipt with the card imprint and signature or PIN | ||
| 3 | Merchant did not provide proof of Delivery including delivery date and full shipping address | ||
| 4 | No evidence was provided by the merchant that the transaction was a Card Not Present transaction | ||
| 5 | Illegible documentation was received from the merchant | ||
| 6 | Incorrect documentation was received from the merchant | ||
| 7 | No evidence was provided by the merchant to prove that a credit was issued | ||
| F14 | Missing signature | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide imprinted and signed transaction receipt | ||
| 3 | No evidence was provided by the merchant that the transaction was a Card Not Present transaction | ||
| 4 | No evidence was provided by the merchant that the transaction qualifies under the No signature Program | ||
| 5 | Illegible documentation was received from the merchant | ||
| 6 | Incorrect documentation was received from the merchant | ||
| 7 | No evidence was provided by the merchant to prove that a credit was issued | ||
| F24 | No cardholder authorization | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence the cardholder participated in the transaction | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| F29 | Card not present | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence of transaction documentation signed by the cardholder to indicate the cardholder participated or authorized the transaction | ||
| 3 | No evidence the CID was validated or Address verification was performed | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| F30 | Fraud liability shift - counterfeit | 1 | Transaction data indicated a CHIP card used at non- CHIP terminal, liability shift in effect. NO RECOURSE |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| F31 | Fraud liability shift - lost/stolen | 1 | Transaction data indicated a CHIP card used at non- CHIP terminal, liability shift in effect. NO RECOURSE |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| M01 | Chargeback authorization | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| OP1 | Dispute adjustment | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P01 | Unassigned card number | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence of a imprinted transaction receipt that proves the card number is correct | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P03 | Credit processed as charge | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence to demonstrate the transaction was a sale instead of a credit | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P04 | Charge processed as credit | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence to demonstrate the credit transaction was posted correctly | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P05 | Incorrect charge amount | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence to demonstrate the amount submitted was correct | ||
| 3 | Merchant did not provide evidence the cardholder agreed to pay for the delayed charges | ||
| 4 | No evidence was provided by the merchant to prove that the cardholder received alternate accommodations | ||
| 5 | Illegible documentation was received from the merchant | ||
| 6 | Incorrect documentation was received from the merchant | ||
| 7 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P07 | Late submission | 1 | Merchant did not provide evidence to demonstrate the amount submitted was correct |
| 2 | No evidence to support transaction was processed within the required time frame | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P08 | Duplicate charge | 1 | Merchant did not provide evidence to demonstrate the amount submitted was correct |
| 2 | Merchant did not provide evidence to demonstrate that two separate transactions were processed | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P22 | Non-matching card number | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence of a imprinted transaction receipt that proves the card number is correct | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P23 | Currency discrepancy | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence the transaction was submitted in the correct currency | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| R03 | Insufficient reply | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| R13 | No reply | 1 | No evidence the requested transaction information was provided within the required time frame specified in previous communications - NO RECOURSE |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued |
| Chargeback Reason Code | Chargeback Code Description | Decline Reason Code | Decline Reason Code Description |
| AA | Does not recognize | 1 | No evidence of transaction documentation signed by the cardholder to indicate the cardholder authorized the transaction |
| 2 | No evidence to support the goods or services were delivered as instructed by the cardholder such as a copy of signed delivery receipt or work order for service completed | ||
| 3 | Illegible documentation received | ||
| 4 | Incorrect documentation received | ||
| 5 | No evidence to support a credit was issued | ||
| 6 | No evidence to support the claim that the cardholder received the Cash Advance or Cash Over | ||
| 7 | No evidence of card presence; transaction documentation did not include the card imprint and signature or PIN | ||
| 8 | No evidence the requested transaction information was provided within the required time frame specified in previous communications - NO RECOURSE | ||
| AL | Airline transaction dispute | N/A | N/A |
| AP | Recurring payments | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | No evidence to support the cardholder’s cancellation was received less than 15 days prior to the transaction date | ||
| 3 | No evidence of the Terms of the Recurring Payment Plan that requires the cardholder to pay despite the cancellation notice | ||
| 4 | Illegible documentation received | ||
| 5 | Incorrect documentation received | ||
| 6 | No evidence to support a credit was issued | ||
| AT | Authorization non-compliance | 1 | No evidence to demonstrate a positive authorization was obtained for the transaction |
| 2 | No evidence to demonstrate the transaction was PIN verified and positive authorization was obtained for a Chip Card transaction | ||
| 3 | Transaction was presented as a Customer Activated Terminal (CAT) transaction that was processed for an amount that exceeded the authorized amount | ||
| 4 | Expiration date on the card was not valid on the transaction date and an authorization code was not obtained | ||
| 5 | Illegible documentation received | ||
| 6 | Incorrect documentation received | ||
| 7 | No evidence to support a credit was issued | ||
| 8 | Authorization was not obtained using “electronic“ means; transaction was “key entered“ into the POS device | ||
| AW | Altered amount | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | No evidence to support the claim that alteration on the transaction document was completed with the cardholder’s permission | ||
| 3 | No evidence to support the claim the Cardholder is responsible for the additional charge | ||
| 4 | Illegible documentation received | ||
| 5 | Incorrect documentation received | ||
| 6 | No evidence to support a credit was issued | ||
| 7 | No evidence to refute the cardholder’s claim that the charge was for a higher fare than the quoted fare | ||
| 8 | No evidence to support the claim that the cardholder received the Cash Advance or Cash Over | ||
| CA | Cash advance dispute | N/A | N/A |
| CD | Credit posted as card sale | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | No evidence to support the claim that the transaction was processed correctly as a card sale instead of a credit | ||
| 3 | No evidence to support the claim the cardholder received the goods or services | ||
| 4 | Illegible documentation received | ||
| 5 | Incorrect documentation received | ||
| 6 | No evidence to support a credit was issued | ||
| CR | Cancelled reservation | N/A | N/A |
| DP | Duplicate processing | 1 | Rebuttal documentation did not include two separate transaction receipts |
| 2 | Illegible documentation received | ||
| 3 | Incorrect documentation received | ||
| 4 | No evidence to support a credit was issued | ||
| IC | Illegible transaction documentation | N/A | N/A |
| IN | Invalid cardholder number | 1 | No evidence to demonstrate a positive authorization was obtained for the transaction |
| 2 | Transaction documentation did not include a valid card number | ||
| 3 | Illegible documentation received | ||
| 4 | Incorrect documentation received | ||
| 5 | No evidence to support a credit was issued | ||
| IS | Missing signature | N/A | N/A |
| LP | Late presentation | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | No evidence the cardholder approved the transaction to be submitted after the allowed time frame | ||
| 3 | No evidence of a signed work order or agreement by the cardholder for a custom order along with proof of a valid authorization response was received at the time of the sale | ||
| 4 | Illegible documentation received | ||
| 5 | Incorrect documentation received | ||
| 6 | No evidence to support a credit was issued | ||
| NC | Not classified | N/A | N/A |
| NR | No response to an RR ticket | N/A | N/A |
| PM | Paid by other means | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence was provided by the merchant to refute the cardholder’s claim that payment for the goods or service was made by other means | ||
| 3 | Illegible documentation received | ||
| 4 | Incorrect documentation received | ||
| 5 | No evidence to support a credit was issued | ||
| RG | Non-receipt of Goods, Services, Cash Over, or Cash Advance | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | No evidence to refute the cardholder’s claim that the goods or services were not delivered as instructed by the cardholder | ||
| 3 | No evidence of a signed delivery receipt or work order for service completed | ||
| 4 | No evidence of transaction documentation signed by the cardholder to indicate the cardholder authorized the transaction | ||
| 5 | Illegible documentation received | ||
| 6 | Incorrect documentation received | ||
| 7 | No evidence to support a credit was issued | ||
| 8 | No evidence to support the ticket was used by the cardholder | ||
| 9 | No evidence to support services were rendered by the airline | ||
| RM | Cardholder disputes quality of Goods/Services | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | No evidence to support the claim that the quality of the goods or services were completed according to the agreement | ||
| 3 | No evidence of transaction documentation signed by the cardholder to indicate the cardholder approved the quality of the goods or services | ||
| 4 | No evidence to support the claim that the cardholder has received goods or services to correct the “Quality” dispute | ||
| 5 | No evidence to support the claim that the cardholder rejected the attempt to correct the quality of goods or services | ||
| 6 | No evidence to support the claim the cardholder refused the goods or services and has possession of such goods or services | ||
| 7 | Illegible documentation received | ||
| 8 | Incorrect documentation received | ||
| 9 | No evidence to support a credit was issued | ||
| 10 | No evidence to refute the cardholder’s claim that the merchandise was counterfeit | ||
| 11 | No evidence to refute the cardholder’s claim that the merchandise delivered was received damaged or defective | ||
| 12 | No evidence to refute the cardholder’s claim the timeshare was misrepresented in the sales agreement | ||
| 13 | No evidence to support the cardholder accessed your website and completed digital download after the transaction date | ||
| RN2 | Credit not processed | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | No evidence to support the claim that the cardholder did not return the goods and is in possession of such goods | ||
| 3 | No evidence of an “in-store” credit issued to the cardholder | ||
| 4 | No evidence of transaction documentation signed by the cardholder to indicate the cardholder authorized the transaction | ||
| 5 | Illegible documentation received | ||
| 6 | Incorrect documentation received | ||
| 7 | No evidence to support a credit was issued | ||
| 8 | No evidence to support the claim that cancellation policy was properly disclosed and the cardholder did not properly cancel the reservation | ||
| 9 | No evidence to support the cancellation code provided by the cardholder is invalid | ||
| SV | Stored value dispute | N/A | N/A |
| TF | Violation of operating regulations | 1 | The card sale transaction was not processed in accordance with the Terms and Conditions of the Agreement |
| 2 | Illegible documentation received | ||
| 3 | Incorrect documentation received | ||
| 4 | No evidence to support a credit was issued | ||
| UA01 | Fraud - card-present transaction | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | Transaction documentation did not include the signed transaction receipt | ||
| 3 | No evidence to support the claim Card Identification Data (CID) was present in the authorization request and an imprint of the card was not obtained | ||
| 4 | No evidence to demonstrate the transaction was PIN verified and positive authorization was obtained for a Chip Card transaction | ||
| 5 | Illegible documentation received | ||
| 6 | Incorrect documentation received | ||
| 7 | No evidence to support a credit was issued | ||
| 8 | No evidence to support the cardholder accessed your website and completed digital download after the transaction date | ||
| 9 | No evidence the requested transaction information was provided within the required time frame specified in previous communications – NO RECOURSE | ||
| UA02 | Fraud - card-not-present transaction | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | Transaction documentation did not include the courier receipt with the authorized signature proving the goods were delivered to the cardholder | ||
| 3 | Illegible documentation received | ||
| 4 | Incorrect documentation received | ||
| 5 | No evidence to support a credit was issued | ||
| 6 | No evidence of transaction documentation signed by the cardholder to indicate the cardholder participated or authorized the transaction | ||
| 7 | No evidence to support the cardholder accessed your website and completed digital download after the transaction date | ||
| 8 | No evidence to support the claim Card Identification Data (CID) was present in the authorization request | ||
| 9 | No evidence the requested transaction information was provided within the required time frame specified in previous communications – NO RECOURSE | ||
| UA03 | Fraud - processing error | N/A | N/A |
| UA05 | Fraud - chip card counterfeit transaction | 1 | Transaction data indicated a CHIP card used at non- CHIP terminal, liability shift in effect. NO RECOURSE |
| 2 | Illegible documentation received | ||
| 3 | Incorrect documentation received | ||
| 4 | No evidence to support a credit was issued | ||
| UA06 | Chip and PIN transaction | 1 | Transaction data indicated a CHIP card used at non- CHIP terminal, liability shift in effect. NO RECOURSE |
| 2 | Illegible documentation received | ||
| 3 | Incorrect documentation received | ||
| 4 | No evidence to support a credit was issued | ||
| UANR | Fraud - no response to RR ticket | N/A | N/A |
| 05 | Good faith investigation | 1 | Merchant accepted Good Faith Investigation request |
| 2 | No evidence to support a credit was issued |
| Chargeback Reason Code | Chargeback Code Description | Decline Reason Code | Decline Reason Code Description |
| A01 | Charge amount exceeds authorization amount | 1 | No evidence was provided by the merchant to prove that a valid authorization code was obtained |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| A02 | No valid authorization | 1 | No evidence was provided by the merchant to prove that a valid authorization code was obtained |
| 2 | No evidence to support the claim that the card was not expired on the transaction date | ||
| 3 | No evidence of transaction documentation signed by the cardholder to indicate the cardholder participated or authorized the transaction | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| A08 | Authorization approval expired | 1 | No evidence was provided by the merchant to prove that a valid authorization code was obtained |
| 2 | No evidence to demonstrate the original authorization was not expired a the time the charge was submitted to be processed | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C02 | Credit not processed | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged and the reason the credit is not due to the cardholder |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C04 | Goods/Services returned or refused | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence to support the claim that cancellation policy was properly disclosed and the cardholder did not follow the policy | ||
| 3 | No evidence to support the claim that the cardholder did not return the goods and is in possession of such goods | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C05 | Goods/Services cancelled | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence to support the claim that cancellation policy was properly disclosed and the cardholder did not follow the policy | ||
| 3 | Merchant did not provide evidence the cardholder received the goods or services | ||
| 4 | No evidence to support the cardholder accessed your website and completed digital download after the transaction date | ||
| 5 | Illegible documentation was received from the merchant | ||
| 6 | Incorrect documentation was received from the merchant | ||
| 7 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C08 | Goods/Services not received or only partially received | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence the cardholder received the goods or services | ||
| 3 | Merchant did not provide proof of delivery, including delivery date and full shipping address | ||
| 4 | Merchant did not provide evidence the cardholder is a registered online user on their website | ||
| 5 | No evidence to support the cardholder accessed your website and completed digital download after the transaction date | ||
| 6 | Illegible documentation was received from the merchant | ||
| 7 | Incorrect documentation was received from the merchant | ||
| 8 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C14 | Paid by other means | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence the other form of payment received was related to another transaction and not the disputed charge | ||
| 3 | Merchant did not provide proof the cardholder consented to use the card as payment for the transaction | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C18 | "No show" or CARDeposit cancelled | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence was provided by the merchant to refute the cardholder’s claim that the “No-show” charge is incorrect when the cardholder cancelled the reservation | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C28 | Cancelled recurring billing | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence was provided by the merchant to refute the cardholder’s claim that the recurring billing was cancelled if the cardholder continues to receive the services | ||
| 3 | No evidence to support the claim that cancellation policy was properly disclosed and the cardholder did not follow the policy | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C31 | Goods/Services not as described | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence to demonstrate the goods or services described on the transaction document were delivered as described | ||
| 3 | No evidence to demonstrate the damaged/defective merchandise was replaced or repaired | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C32 | Goods/Services damaged or defective | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence to prove the cardholder agreed to accept the goods as delivered | ||
| 3 | Merchant did not provide evidence to demonstrate the damaged/defective merchandise was replaced or repaired | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| FR2 | Fraud full recourse program | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| FR4 | Immediate chargeback program | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| FR6 | Partial immediate chargeback program | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| F10 | Missing imprint | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide the transaction receipt with the card imprint and signature or PIN | ||
| 3 | Merchant did not provide proof of Delivery including delivery date and full shipping address | ||
| 4 | No evidence was provided by the merchant that the transaction was a Card Not Present transaction | ||
| 5 | Illegible documentation was received from the merchant | ||
| 6 | Incorrect documentation was received from the merchant | ||
| 7 | No evidence was provided by the merchant to prove that a credit was issued | ||
| F14 | Missing signature | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide imprinted and signed transaction receipt | ||
| 3 | No evidence was provided by the merchant that the transaction was a Card Not Present transaction | ||
| 4 | No evidence was provided by the merchant that the transaction qualifies under the No signature Program | ||
| 5 | Illegible documentation was received from the merchant | ||
| 6 | Incorrect documentation was received from the merchant | ||
| 7 | No evidence was provided by the merchant to prove that a credit was issued | ||
| F24 | No cardholder authorization | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence the cardholder participated in the transaction | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| F29 | Card not present | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence of transaction documentation signed by the cardholder to indicate the cardholder participated or authorized the transaction | ||
| 3 | No evidence the CID was validated or Address verification was performed | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| F30 | Fraud liability shift - counterfeit | 1 | Transaction data indicated a CHIP card used at non- CHIP terminal, liability shift in effect. NO RECOURSE |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| F31 | Fraud liability shift - Lost/Stolen | 1 | Transaction data indicated a CHIP card used at non- CHIP terminal, liability shift in effect. NO RECOURSE |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| M01 | Chargeback authorization | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| OP1 | Dispute adjustment | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P01 | Unassigned card number | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence of a imprinted transaction receipt that proves the card number is correct | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P03 | Credit processed as charge | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence to demonstrate the transaction was a sale instead of a credit | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P04 | Charge processed as credit | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence to demonstrate the credit transaction was posted correctly | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P05 | Incorrect charge amount | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence to demonstrate the amount submitted was correct | ||
| 3 | Merchant did not provide evidence the cardholder agreed to pay for the delayed charges | ||
| 4 | No evidence was provided by the merchant to prove that the cardholder received alternate accommodations | ||
| 5 | Illegible documentation was received from the merchant | ||
| 6 | Incorrect documentation was received from the merchant | ||
| 7 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P07 | Late submission | 1 | Merchant did not provide evidence to demonstrate the amount submitted was correct |
| 2 | No evidence to support transaction was processed within the required time frame | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P08 | Duplicate charge | 1 | Merchant did not provide evidence to demonstrate the amount submitted was correct |
| 2 | Merchant did not provide evidence to demonstrate that two separate transactions were processed | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P22 | Non-matching card number | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence of a imprinted transaction receipt that proves the card number is correct | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| P23 | Currency discrepancy | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant did not provide evidence the transaction was submitted in the correct currency | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| R03 | Insufficient reply | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| R13 | No reply | 1 | No evidence the requested transaction information was provided within the required time frame specified in previous communications – NO RECOURSE |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued |
| Chargeback Reason Code | Chargeback Code Description | Decline Reason Code | Decline Reason Code Description |
| 4802 | Requested/Required Information Illegible or Missing | 1 | Illegible transaction documentation received |
| 2 | Transaction amount exceeded the protection amount for PayPass transaction (Contactless) | ||
| 3 | No evidence to support a credit was issued | ||
| 4807 | Account Closed and No Authorization Obtained | 1 | No evidence to demonstrate a valid authorization code was obtained |
| 2 | Transaction was presented as an Automated Fuel Dispenser (AFD) transaction that was processed for an amount that exceeded the authorized amount | ||
| 3 | No evidence to demonstrate the multiple authorization requests were completed for services rendered for a Hotel, Car Rental Company or Cruise Line | ||
| 4 | Illegible documentation received | ||
| 5 | Incorrect documentation received | ||
| 6 | No evidence to support a credit was issued | ||
| 4808 | Authorization-related chargeback | 1 | No evidence to demonstrate a valid authorization code was obtained |
| 2 | Transaction was presented as an Automated Fuel Dispenser (AFD) transaction that was processed for an amount that exceeded the authorized amount | ||
| 3 | No evidence to demonstrate the multiple authorization requests were completed for services rendered for a Hotel, Car Rental Company or Cruise Line | ||
| 4 | Illegible documentation received | ||
| 5 | Incorrect documentation received | ||
| 6 | No evidence to support a credit was issued | ||
| 4812 | Account number not on file | 1 | No evidence to demonstrate a valid authorization code was obtained |
| 2 | Transaction was presented as an Automated Fuel Dispenser (AFD) transaction that was processed for an amount that exceeded the authorized amount | ||
| 3 | No evidence to demonstrate the multiple authorization requests were completed for services rendered for a Hotel, Car Rental Company or Cruise Line | ||
| 4 | Illegible documentation received | ||
| 5 | Incorrect documentation received | ||
| 6 | No evidence to support a credit was issued | ||
| 4831 | Transaction amount differs | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | No evidence to refute the cardholder’s claim that payment for the goods or services was made by other means | ||
| 3 | No evidence to support claim that the cardholder was billed for the correct amount | ||
| 4 | No evidence to refute the cardholder’s claim that a billing discrepancy occurred | ||
| 5 | Illegible documentation received | ||
| 6 | Incorrect documentation received | ||
| 7 | No evidence to support a credit was issued | ||
| 4834 | Point of interaction error | 1 | Rebuttal documentation did not include two separate transaction receipts |
| 2 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged | ||
| 3 | No evidence to refute the cardholder’s claim that payment for the goods or services was made by other means | ||
| 4 | No evidence to support claim that the cardholder was billed for the correct amount | ||
| 5 | No evidence to refute the cardholder’s claim that a billing discrepancy occurred | ||
| 6 | No evidence to support transaction was processed within the required time frame | ||
| 7 | No evidence to support the correct currency was provided or specified | ||
| 8 | Illegible documentation received | ||
| 9 | Incorrect documentation received | ||
| 10 | No evidence to support a credit was issued | ||
| 4835 | Card not valid or Expired | ||
| 4837 | No cardholder authorization | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | No evidence of card presence; transaction documentation did not include an electronic imprint and signature or PIN | ||
| 3 | Transaction amount exceeded the protection amount for PayPass transaction (Contactless) | ||
| 4 | No evidence to refute the cardholder’s claim that a billing discrepancy occurred | ||
| 5 | No evidence to demonstrate the card was not expired on the transaction date and a valid authorization code was obtained | ||
| 6 | No evidence the cardholder’s identity was authenticated using Mastercard SecureCode | ||
| 7 | No evidence to support claim the cardholder is responsible for the addendum charges | ||
| 8 | No evidence to support claim the E-Commerce, Mail Order and Telephone Order transaction was authorized by the cardholder such as: Written correspondence exchanged with the cardholder or signed work order, invoice or receipt that substantiate the cardholder received the goods or services | ||
| 9 | No evidence that substantiate the transaction was the result of Guaranteed Reservation Service, a ’No-Show’ | ||
| 10 | Merchant did not provide evidence the cardholder is a registered online user on their website | ||
| 11 | Illegible documentation received | ||
| 12 | Incorrect documentation received | ||
| 13 | No evidence to support a credit was issued | ||
| 4840 | Fraudulent processing of transactions | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | No evidence to support the claim that fraudulent processing of transactions did not occur | ||
| 3 | Transaction receipts demonstrated non-matching signatures | ||
| 4 | No evidence to demonstrate the transactions were EMV Chip and PIN transactions | ||
| 5 | Illegible documentation received | ||
| 6 | Incorrect documentation received | ||
| 7 | No evidence to support a credit was issued | ||
| 4841 | Cancelled recurring and digital goods transactions | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | No evidence to support the claim that the cardholder has continued to receive services after the cancellation date | ||
| 3 | No evidence to support that the cardholder did not cancel services | ||
| 4 | No evidence to support that the transaction was not recurring | ||
| 5 | No evidence to support cardholder failed to meet the cancellation terms of the signed contract | ||
| 6 | No evidence was provided by the merchant to prove that purchase control settings were offered to the cardholder | ||
| 7 | Illegible documentation received | ||
| 8 | Incorrect documentation received | ||
| 9 | No evidence to support a credit was issued | ||
| 4842 | Late presentment | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | No evidence to support transaction was processed within the required time frame | ||
| 3 | Illegible documentation received | ||
| 4 | Incorrect documentation received | ||
| 5 | No evidence to support a credit was issued | ||
| 4846 | Correct transaction currency code not provided | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | No evidence to support the correct currency was provided or specified | ||
| 3 | Illegible documentation received | ||
| 4 | Incorrect documentation received | ||
| 5 | No evidence to support a credit was issued | ||
| 4847 | Fraudulent transaction - Exceeds floor limit & not authorized | ||
| 4849 | Questionable merchant activity | 1 | No evidence the cardholder’s identity was authenticated using Mastercard SecureCode and a valid authorization was obtained |
| 2 | Illegible documentation received | ||
| 3 | Incorrect documentation received | ||
| 4 | No evidence to support a credit was issued | ||
| 4850 | Credit posted as a purchase | ||
| 4853 | Cardholder dispute | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | No evidence to demonstrate the goods or services described on the transaction information document were delivered as described | ||
| 3 | No evidence to demonstrate the damaged/defective merchandise was replaced or repaired | ||
| 4 | No evidence to refute the cardholder’s claim that the goods were counterfeit | ||
| 5 | No evidence to support the claim that the cardholder has continued to receive services after the cancellation date | ||
| 6 | No evidence to support that the transaction was not recurring | ||
| 7 | No evidence to support cardholder failed to meet the cancellation terms of the signed contract | ||
| 8 | No evidence was provided by the merchant to prove that purchase control settings were offered to the cardholder | ||
| 9 | Transaction documentation did not include the courier receipt with the authorized signature proving the goods were delivered to the cardholder or the authorized person | ||
| 10 | Transaction documentation did not include proof that services were rendered; a signed copy of an order form detailing the services rendered | ||
| 11 | No evidence to support the claim that the airline tickets were used by the cardholder | ||
| 12 | No evidence to support the claim that the cardholder was issued a paper airline ticket(s) | ||
| 13 | No evidence was provided by the merchant to prove the Online transaction was successfully processed | ||
| 14 | No evidence to demonstrate the transaction was not a “No Show” charge | ||
| 15 | No evidence to demonstrate the cancellation policy was disclosed at the time of the transaction | ||
| 16 | No evidence to support the claim that the cardholder was notified of the rate of the “No-Show” before the date of the reservation | ||
| 17 | No evidence to demonstrate the cardholder agreed to the addendum charge | ||
| 18 | No evidence to prove the transaction represents a retail sale instead of a credit | ||
| 19 | No evidence to support the claim that the Timeshare cancellation was received past the 14 days of the contract date | ||
| 20 | Illegible documentation received | ||
| 21 | Incorrect documentation received | ||
| 22 | No evidence to support a credit was issued | ||
| 4855 | Goods or services not provided | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | Transaction documentation did not include the courier receipt with the authorized signature proving the goods were delivered to the cardholder or the authorized person | ||
| 3 | Transaction documentation did not include proof that services were rendered; a signed copy of an order form detailing the services rendered | ||
| 4 | No evidence to support the claim that the airline tickets were used by the cardholder | ||
| 5 | No evidence to support the claim that the cardholder was issued a paper airline ticket(s) | ||
| 6 | No evidence was provided by the merchant to prove the Online transaction was successfully processed | ||
| 7 | Illegible documentation received | ||
| 8 | Incorrect documentation received | ||
| 9 | No evidence to support a credit was issued | ||
| 4857 | Credit card activated telephone transaction | ||
| 4859 | Addendum or No-show dispute | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | No evidence to demonstrate the transaction was not a “No Show” charge | ||
| 3 | No evidence to demonstrate the cancellation policy was disclosed at the time of the transaction | ||
| 4 | No evidence to support the claim that the cardholder was notified of the rate of the “No Show” before the date of the reservation | ||
| 5 | No evidence to demonstrate the cardholder agreed to the addendum charge | ||
| 6 | Illegible documentation received | ||
| 7 | Incorrect documentation received | ||
| 8 | No evidence to support a credit was issued | ||
| 4860 | Credit not processed | 1 | Rebuttal documentation did not include an explanation that substantiate the validity of the transaction charged |
| 2 | Copy of the transaction receipt proving the transaction represents a retail sale instead of a credit | ||
| 3 | No evidence to demonstrate the “Credit or Cancellation” policy was properly disclosed to the cardholder | ||
| 4 | No evidence to support the claim that the cardholder’s request to cancel the services or return the merchandise was denied | ||
| 5 | No evidence to support the claim that the Timeshare cancellation was received past the 14 days of the contract date | ||
| 6 | Illegible documentation received | ||
| 7 | Incorrect documentation received | ||
| 8 | No evidence to support a credit was issued | ||
| 4862 | Counterfeit magnetic stripe POS fraud | ||
| 4863 | Cardholder does not recognize - Potential fraud | 1 | No evidence of card presence; transaction documentation did not include the card imprint and signature or PIN |
| 2 | No evidence to support claim the merchandise was shipped; such as details of the shipping address and proof of delivery | ||
| 3 | No evidence the cardholder’s identity was authenticated using Mastercard SecureCode | ||
| 4 | Illegible documentation received | ||
| 5 | Incorrect documentation received | ||
| 6 | No evidence to support a credit was issued | ||
| 4870 | Chip liability shift | 1 | Transaction data indicated a CHIP card used at non-CHIP terminal |
| 2 | Illegible documentation received | ||
| 3 | Incorrect documentation received | ||
| 4 | No evidence to support a credit was issued | ||
| 4871 | Chip/PIN liability shift | 1 | Transaction data indicated a CHIP card used at non-CHIP terminal |
| 2 | Illegible documentation received | ||
| 3 | Incorrect documentation received | ||
| 4 | No evidence to support a credit was issued | ||
| 4901 | Req Doc Not Received to Support Previous 2nd Presentment | 1 | No evidence to support a credit was issued |
| 4902 | Requested/Required information illegible or missing | 1 | Illegible documentation received |
| 2 | No evidence to support a credit was issued | ||
| 4903 | Scanning error - Unrelated documents or partial scan | 1 | No evidence to support a credit was issued |
| 4905 | Invalid Acquirer Reference Data on 2nd Presentment/1240 (required doc.) | 1 | No evidence to support a credit was issued |
| 4908 | Requested/Required Authorization Not Obtained | 1 | No evidence to support a credit was issued |
| Chargeback Reason Code | Chargeback Code Description | Decline Reason Code | Decline Reason Code Description |
| C021 | Transaction receipt delivery to cardholder | 1 | No evidence to prove the electronic format receipt was sent to the cardholder |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C027 | Surcharging | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C028 | Refinance of existing debt | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C029 | Hotel & car rental authorizations | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence was provided by the merchant to prove that a valid authorization code was obtained | ||
| 3 | No evidence was provided by the merchant to prove that proper authorization procedures were followed by the merchant for a Hotel transaction | ||
| 4 | No evidence was provided by the merchant to prove that proper authorization procedures were followed by the merchant for a Car Rental transaction | ||
| 5 | Illegible documentation was received from the merchant | ||
| 6 | Incorrect documentation was received from the merchant | ||
| 7 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C030 | Travel & entertainment delayed and amended charges | 1 | No evidence was provided by the merchant to prove that the cardholder consented to be billed for the delayed or amended charge |
| 2 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged | ||
| 3 | No evidence was provided by the merchant to prove that proper card acceptance procedures were followed by the merchant. The rental agreement did not include the cardholder’s signature | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C031 | Prohibited transaction | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C034 | Credit transaction receipt | 1 | No evidence was provided by the merchant to prove that a previous retail purchase transaction was processed for the same cardholder |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C035 | Transaction receipt reversal | 1 | Illegible documentation was received from the merchant |
| 2 | Incorrect documentation was received from the merchant | ||
| 3 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C036 | Electronic commerce | 1 | No evidence was provided by the merchant to prove an attempt to authenticate the cardholder using the Verify by Visa (VbV) tool |
| 2 | No evidence was provided by the merchant to prove that a credit was issued | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| C037 | Visa reservation service | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence was provided by the merchant to refute the cardholder’s claim that the “No-show” charge is incorrect when the cardholder cancelled the guaranteed reservation | ||
| 3 | No evidence to refute the cardholders claim that the amount billed was different from the quoted price | ||
| 4 | Illegible documentation was received from the merchant | ||
| 5 | Incorrect documentation was received from the merchant | ||
| 6 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C038 | Merchant requirements for travel & expense transactions | 1 | Merchant did not provide evidence that the cancellation policy was disclosed at the time the reservation was completed |
| 2 | No evidence was provided by the merchant to prove that the cardholder received alternate accommodations | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C040 | Advance Deposit Cruise Line – Unavailable Accommodations | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence was provided by the merchant to prove that the cardholder received alternate accommodations | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C044 | Transaction presented a second time | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C045 | Chargeback reduction service return | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C047 | Unauthorized signature | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C048 | Split transaction | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence was provided by the merchant to prove that the transaction was authorized | ||
| 3 | No evidence was provided by the merchant to prove that the transaction was not split into multiple transactions | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| 5 | Illegible documentation was received from the merchant | ||
| 6 | Incorrect documentation was received from the merchant | ||
| C050 | Other | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | No evidence was provided by the merchant to prove that a credit was issued | ||
| 4 | Incorrect documentation was received from the merchant | ||
| C081 | Limits of fee collection | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C110 | Account and transaction information security | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C117 | Non card | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Merchant provided no evidence to prove that proper card acceptance procedures were followed | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C118 | Electronic commerce transaction (attempts authentication) | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C130 | Copy of transaction receipt for legal, law, or issuer investigation | 1 | No evidence was provided by the merchant to prove that the requested transaction information was provided within the required time frame specified in previous communications – NO RECOURSE |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C135 | Improperly assessed surcharge | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| C171 | Authorization after decline response on counterfeit card | ||
| C172 | Fraudulent multiple transactions | ||
| C173 | Counterfeit card transaction with incomplete data | ||
| C174 | Visa right to grant exceptions to dispute processing requests | ||
| 10.1 | EMV liability shift counterfeit fraud | 1 | Transaction data indicated a CHIP card used at non- CHIP terminal, liability shift in effect. NO RECOURSE |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| 10.2 | EMV liability shift non-counterfeit fraud | 1 | Transaction data indicated a CHIP card used at non- CHIP terminal, liability shift in effect. NO RECOURSE |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| 10.3 | Other fraud - card present environment | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence was provided to prove the card was present; transaction documentation did not include the card imprint and signature or PIN | ||
| 3 | No evidence the proper card acceptance was followed for a ’key-entered’ transaction such as an imprint, signature and authorization code | ||
| 4 | No evidence the proper card acceptance was followed for a magnetic-stripe transaction; missing the cardholder’s signature | ||
| 5 | Illegible documentation was received from the merchant | ||
| 6 | Incorrect documentation was received from the merchant | ||
| 7 | No evidence was provided by the merchant to prove that a credit was issued | ||
| 10.4 | Other fraud - card absent environment | 1 | Merchant did not provide the relevant documentation to confirm the validity of the transaction charged |
| 2 | No evidence the proper card acceptance was followed for a “key-entered” transaction such as an imprint, signature and authorization code | ||
| 3 | Merchant did not provide evidence to prove the cardholder’s credentials were authenticated using the Verified by Visa (VbV) | ||
| 4 | Transaction data demonstrated the cardholder authentication was denied by the card issuer | ||
| 5 | Merchant did not provide evidence to support a link between the cardholder and the person that received the merchandise or service | ||
| 6 | Merchant did not provide evidence to prove the cardholder received or used the passenger transport ticket | ||
| 7 | No evidence was provided to prove that the cardholder accessed your website and completed digital download after the transaction date | ||
| 8 | The compelling evidence does not prove the cardholder participated in the transaction, received goods or services, or benefited from the transaction | ||
| 9 | Merchant did not provide evidence of a signed order form for the mail order/telephone transaction | ||
| 10 | Illegible documentation was received from the merchant | ||
| 11 | Incorrect documentation was received from the merchant | ||
| 12 | No evidence was provided by the merchant to prove that a credit was issued | ||
| 10.5 | Visa fraud monitoring program | 1 | Illegible documentation was received from the merchant |
| 2 | Incorrect documentation was received from the merchant | ||
| 3 | No evidence was provided by the merchant to prove that a credit was issued | ||
| 11.1 | Card recovery bulletin | 1 | Merchant did not provide evidence to prove a valid authorization code was obtained |
| 2 | Illegible documentation was received from the merchant | ||
| 3 | Incorrect documentation was received from the merchant | ||
| 4 | No evidence was provided by the merchant to prove that a credit was issued | ||
| 11.2 | Declined authorization | 1 | Merchant did not provide evidence to prove a valid authorization code was obtained |
| 2 | Declined authorization response received - no recourse | ||
| 3 | Illegible documentation was received from the merchant | ||
| 4 | Incorrect documentation was received from the merchant | ||
| 5 | No evidence was provided by the merchant to prove that a credit was issued | ||