MasterCard - 4863 Cardholder Will Not Recognize - Potential Fraud. 1 falls under the “Consumer Disputes” category. Each code begins with 'R' followed by a two digit number. Updated the following columns - card type, response due date. About Visa chargeback reason codes. 13. Among the information contained in this package is the chargeback reason code. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. The merchant can choose whether or not the reason makes sense and. WEX began issuing chip cards in Q4, 2020. may be reversed if merchant can provide proof that the correct fare was quoted to Cardholder; That<br />. ACH return codes identify the reason an ACH payment was returned by the recipient's bank. 2 is an updated version of legacy Visa reason code 81, which was phased out under the Visa Claims Resolution initiative. This can provide important information to fight the dispute. Depending on whether the documentation is required or not, Paymentology will submit these chargebacks on the client’s behalf. C04 – Goods / Services Returned or Refused. Even if the chargeback is later canceled, the merchant will still have to pay fees and administrative costs. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. The client can define the chargeback reason code. The first thing you should do when you receive a chargeback notification is to check the reason code that the card issuer assigns to the dispute. Dispute Category. Except for Reason Code 75, the time limit is calculated from one of the following: Fraud chargeback reasons. One of these changes was an overhaul of Visa’s list of chargeback reason codes. For the time being, however, merchants should be aware that banks may still use the legacy code. And each reason code has unique compelling evidence requirements if you choose to fight. Chargeback reason codes are alphanumeric codes established by major card networks that indicate the reason for a chargeback. For example, the merchant bills the cardholder in installments. A fraudulent chargeback represents much more than a lost sale for merchants. message. You can learn more about each one by visiting the Mastercard Chargeback Guide. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. The chargeback report shows the status of all chargeback disputes. There are over 50 chargeback reason codes between all the major card brands. Merchants can find a. 9 – Non-Receipt of Cash or Load Transaction Value. M49 Vehicle Rental – Theft or Loss of Use. Goods / Services Damaged or Defective. When used at the point of sale, the transaction is. 6. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. screen . Visa chargeback reason codes, for example, are numerals with decimals. 1: EMV Liability Shift Counterfeit Fraud: 10. Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. Timeframe: Under card network rules, a cardholder has up to 120 calendar days from the settlement date to initiate a chargeback (depending on the chargeback reason code). Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. ; If the situation requires any other reason, the issuer must process the arbitration chargeback using the proper reason code. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. MATCH reason codes help acquirers and processors determine if and when your business should be submitted to the MATCH list. Each bank card network has its owner list of reason codes banks must prefer from. This reason code is accompanied by a fraudulent reason code (UA). For each reason code, a definition is Chargeback Reason Codes. Blog. Updated Visa Reason Codes. You can see a reason code 11. 1. Defense documents should only be supplied if all requirements have been met. This category for scamming chargeback claims is represented with the following reason codes: AMEX - F29 Card Don Presentational. 4871 – Chip Liability Shift – Lost / Stolen / Never Received Issue. In most cases, you will have 20-45 days in which to respond to a chargeback. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not Received Non-Receipt of Goods or Services NO YES VISA 41 Canceled Recurring Transaction Cancelled/Returned by CardholderThe post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. 4871 – Chip Liability Shift – Lost / Stolen / Never Received Issue. Chargeback Reason Codes. Mastercard Authorization Chargeback Reason CodesChargeback reason code 11. In the case where goods or services are to be delivered, Cardholders can disputePreventing Mastercard Reason Code 4837 Chargebacks. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. A T-code has the following format: T<event-group><event-type-code> Where: <event-group> is a two-digit general. A WORD OF WARNING: MATCH reason codes are not the same as chargeback reason codes. Non-Receipt of Goods or Services Chargeback Reasons. Also, remember that the time frame for your response includes any processing required by the acquirer. The purpose of reason codes is to help merchants realize the intent of a consumer’s dispute; however, if they are attempting to obtain goods/services for free, they do not provide any meaning. Incorrect Transaction Code. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. Spot these types of chargebacks using the below reason codes. 3: Other Fraud — Card Present Environment: 10. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. The American Express chargeback process begins with Amex issuing a chargeback, along with a reason code to explain the dispute to the merchant. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. 1? Chargeback reason code 11. Depending on whether the documentation is required or not, Paymentology will submit these chargebacks on the client’s behalf. September 2011: 5. Chargebacks can be caused by several factors, such as processing errors, fraud, customer dissatisfaction, and merchant errors . When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. MasterCard Chargeback Reason Codes. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRR According to Signifyd data, the total cost of a fraudulent purchase of $100 is actually $196. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. 3 – CBK: Fraudulent Transaction: No Cardholder Authorization 10. Credit not processed for cancelled or returned goods and services 2. Reason Code 07. The other member could accept the chargeback or contest it, escalating the dispute to compliance where Visa adjudicates. Reason Code Directory. [1] Sift. 1. 1 – CBK: EMV Liability Shift Counterfeit Fraud 10. M10 Vehicle Rental – Capital Damages. Example: “I am familiar with all of the major chargeback reason codes, including non-receipt of goods,. for chargeback reason code 4863 (Cardholder Does Not Recognize). Reason Card Type Reason Code Description Merchant Action Code This chargeback occurs because of a dispute on an Airline sale involving allegedly fraudulent card transactions. Use this resource to prevent and fight chargebacks with greater accuracy. Scenario 1 — upfront chargeback. The same is true of all chargeback reason codes. RuPay has categorized all the chargeback reason codes into 5 different groups as stated below. Visa, for example, has reason codes: 11. 3. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. 46 4. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. C18 – “No Show” or CARDeposit Cancelled. Note: If there are no Motives applicable to the Reason Code, this field contains “0. Visa Chargeback Reason Codes. Chargeback reason codes are an abbreviated way of offering a basic explanation for the chargeback. When you get a chargeback, the bank will give you a reason code (see list of reason codes at the end). Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable. The following is a list of Walmart deduction codes, definitions, and corresponding EDI: Paper Code: EDI: Definition: 001: F1: Defective: 002: 15: Return recall: 003: GG: Unsellable merchandise: 010: 01:. b. Company. The Resource Online Reports User Guide (PDF) is a comprehensive manual for the Resource Online modules and reports. In simple terms, Mastercard Chargeback Reason Code 4859 — No Show/Addendum/ATM Dispute refers to situations where a customer claims the services purchased from a merchant were not fulfilled. “Credit Not Processed,” the reason code for unreceived refunds, accounted for 12% of consumer disputes at the height of the pandemic. Reason. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. 4854 Cardholder Dispute—Not Elsewhere Classified (U. This chargeback may be reversed if merchant can. Mastercard Chargeback Reason Codes. There are over 80 unique return codes, and each one represents a different type of return. message. But knowing more about your business, knowing where the gaps could possibly be, and. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. Thus, the easiest way to prevent chargeback reason code 75 from being. Accessed October 31, 2022. The separation of the Return Reason 13. When a chargeback is filed, a bank selects the code that best fits the reason a chargeback was filed. 2, it’s simple and straight-forward: The merchant attempts in any way to force, circumvent, or override a declined authorization. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Reason codes are very crucial to assist merchants to. Here's a rundown of the most common decline codes: 51 - Insufficient funds: At the time authorization was requested, the customer’s account did not have sufficient funds to cover the transaction. M01 Chargeback Authorization. Card Number: Alphanumeric: The first 6 digits, followed by. Request for Information. Previously, Visa expected the disputing member to start the dispute by filing a pre-compliance chargeback under reason code 98 (now obsolete). 11, 16. The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason. You may also receive this code if the transaction was. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. Reason codes give merchants information about the cause of a chargeback and what evidence. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. Reason codes are very crucial to assist. American Express Chargeback Reason Codes. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. Visa chargeback reason codes. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. Currently, the MCC guidelines are maintained by the International Organization for Standardization. This reason is made visible to all parties involved. For returns, the time period is 7 days. RDR will send an alert to the merchant, who can either initiate a refund to end the dispute. Company. The issuer is still reviewing the defense. For a complete list of all Visa reason codes, as well as the reason codes for other card networks, check out our complete chargeback reason code guide. 7 – Cancelled Merchandise / Services. Chargebacks are initiated when a cardholder disputes a transaction, resulting in a reversal of their original payment. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. You can also view your latest chargebacks. This chargeback<br />. 80. For card-absent transactions, use all Visa tools, including AVS, CVV2, Visa Secure, and more, to reduce instances of fraud. Each reason code is composed of a two-, three-, or four-digit number. M49 Vehicle Rental – Theft or Loss of Use. NACHA Return Codes. All of Visa’s existing reason codes were condensed into four key groupings:. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. 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. 1. Chargebacks explained. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. Cause. Chargeback fees can start at US$25 and go up from there. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback MitigationVisa chargeback reason code 70 falls under the “Authorization” category. 4853 Cardholder Dispute. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. Reason code 83 represents a chargeback categorized as. The shorthand description is “Card Recovery Bulletin or Exception File. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. A number of factors contribute to a high chargeback ratio. Learn more about chargeback reason codes here: Chargeback Reason Codes: List & Tips for Merchants. About Careers Contact. However, the main takeaway here is that there are tons of reasons why a consumer would issue a chargeback – and it’s probably impossible to list them all. The following tables list Visa’s Reason Codes and time limits for processing a chargeback. 13. 3: Goods or services were not received: C08: RG: 4855: 13. While that list is too long to cover here, we wanted to address the most commonly abused reasons for a credit card chargeback dispute and how to fight chargebacks. 4 Fraud – Card-Absent Environ. The documentation required for a given chargeback will depend on the reason code. 6: Duplicate processing/Paid by other means. The merchant processed a random account number and didn't obtain the owner's authorization. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. They can also be caused by a merchant failing to process a cancellation promptly. Reason Code 81: Fraud. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Fraudulent. Blog. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. These codes are established by the payment brands to categorize the incoming dispute requests by reason. F01. So the company has more incentive to side with customer during cardholder. Company. Stage 1: First Chargeback. It is a valuable resource for anyone involved in the payments industry. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 4849 – Questionable Merchant Activity – Mastercard Rule 3. 1? Visa chargeback reason code 13. MASTERCARD. 1? Visa chargeback reason code 11. Midigator has created a database of Mastercard reason codes. Midigator has created a database of reason codes. Some of these reason codes are specifically designated to apply to authorization-related issues. According to one study, the average chargeback ratio for the travel industry is 0. 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. Below is a list of Mastercard chargeback codes used in eCommerce. Every merchant on the MATCH list is assigned a reason code that explains why they’re on it: 01 Account Data Compromise; 02 Common Point of Purchase; 03 Laundering; 04 Excessive Chargebacks; 05. 13. For a more detailed explanation, as well as a list of Visa’s individual codes, please refer to our guide on chargeback reason codes. American Express Chargebacks / Disputes. 20The cardholder files a chargeback via their bank. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. Reason Code 04. There are several types of Mastercard chargeback reason codes, each with its own unique set of circumstances. ©Reason. Step 1 – The customer initiates a chargeback dispute request over a transaction. ETAILS. For information concerning Chargeback Response Code, see the Chargeback API Reference Guide. MasterCard: Reason Code 4859 Services not rendered. The issuer reviews the case, assigns a reason code, and initiates the chargeback. UA01 Fraud – Card Present Transaction. FR2 Fraud Full Recourse Program. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. Visa Merchant Official Documentation. The cardholder claims they were charged multiple times for a single transaction. What is Visa chargeback reason code 11. 1 applies when the issuing bank receives the same transaction more than one time. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. 1st chargeback Re-present Pre-arbitration 2nd chargeback To be removed in July 2020 File case MCI rule 120 days 45 days 45 days 45 days Mastercard cycle Our ability to defend you relies on the documentation you submit. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. Learn the details, the cause, how to respond and how to prevent Visa Reason Code 13. For merchants, the deadline to respond is 30 days for Visa chargebacks and 45 days for Mastercard chargebacks. Non Matching Account Number. Explanation. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Company. Description: Reason Code: Explanation: Incorrect Card Number: American Express P01, P22; Discover IN; Mastercard 4808; Visa 12. Use this report to check the status of all chargebacks disputes and retrieval notifications within the report range. Step 3 – The acquiring bank receives the chargeback. Step 2: Customer initiates the chargeback. To take advantage of these new advice codes, merchants and their acquirers must learn to recognize the new data values and their meanings and use them. Mastercard Chargeback Reason Code 71: Disputed Amount. Chargeback Reason Code List - U. The chargeback reason code is important in determining the evidence you need to provide to successfully win the chargeback dispute. Discover Chargeback Reason Codes Explained. Each time a consumer files a chargeback, the merchant is hit with a fee ranging from $20 to $100 per transaction. Learn about the different chargeback reason codes and what they mean. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. For a list of available reason codes, refer to Dispute reason codes. Please contact the issuing bank for a specific reason. 2. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). For instance,. Knowing these categories helps you further understand the chargeback and identify any problems within your payment solution, customer service, and sales processes. “American Express Chargeback Reason Codes | Sift”. The most comprehensive guide to chargeback reason codes. 4808 – Authorization-Related Chargeback – Multiple Authorization Requests. About Visa chargeback reason codes. 1 – EMV Liability Shift Counterfeit Fraud. Reason Code 03: Laundering: The merchant processed transactions that did not involve a bona fide cardholder. If the first chargeback was correct and the acquirer bank failed to change the dispute properly, the issuer may continue the chargeback with the same reason code originally processed. Maestro. Select a tab to see the possible. What is Visa chargeback reason code 71? Visa chargeback reason code 71 falls under the “Authorization” category. Code Reason (for Visa) 10. Merchant must provide proof of authorization. Visa chargebacks can be a major inconvenience for merchants. Use this guide as a resource to quickly identify a chargeback reason code from Mastercard. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing date of. Solution. For example, the merchant bills the cardholder in installments. As we touched on earlier, chargebacks can happen due to technical errors. reason code information. Any time. Then, click individual codes for tips on how to prevent and fight each one. VCIPayments; NMI;. Condition 13. The Chargeback Reason Code Format. This indicates a transaction was processed using a card that Visa listed as stolen or counterfeit. 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. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. Category. American Express, Discovering, Visa. Take the time to note the following dispute reason codes for Visa. The most comprehensive guide to chargeback reason codes. Evidence Required. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. By closely examining the characteristics of each chargeback, you. Visa chargeback reason code 12. Find explanations for the major credit card issuers dispute reason codes in the Cardholder Dispute Reason Code EncyclopediaAlternatively, you can find the list of Klarna dispute notifications in your Customer Area by going to Risk > Disputes > Requests for Information. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. But cardholders and merchants have different time limits. Incorrect transaction amount or account number. You may know that every dispute you receive is attached to a chargeback reason code. Overall returns (all codes): 15%. Friendly fraud occurs when a customer accidentally or deliberately files a chargeback on a legitimate transaction, instead of trying to first obtain a refund from the merchant. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. Friendly fraud. But for illegitimate claims, the reason code doesn’t give the real reason for the dispute. 2. Visa uses a numeric scheme for its chargeback reason codes. View the entire list or search for any chargeback reason code. Chargeback prevention strategies vary based on the reason for the dispute. With that said, you still need to understand the reason codes with any chargebacks from Amex. 1: The chargeback time limits may be altered if the resources were assumed to deliver after the execution time period of the payment also. Before VCR, Visa reason codes were two-digit numbers that often seemed like they were assigned completely at random. 4 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. When you receive notification of a payment dispute or chargeback you may see a code listed with it. Visa groups its various reason codes into several broad dispute categories. Code. Code. The Late Presentment chargeback rights and language were moved from chargeback reason code 4834 (Point of Interaction Errors) to reason code 4808 (Authorization-Related Chargebacks). 16, 2021. There are several types of Mastercard chargeback reason codes, each with its own unique set of circumstances. Issuer Review; Allocation. Chargeback Reason Codes Page 3 of 5. View the entire list of Visa reason codes below. Mastercard Chargeback Reason Code 71: Disputed Amount. View the entire list or search for any chargeback reason code. Chargeback:{reason_code}: A chargeback with a specific reason code. 196 A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to. 7. Expired Chargeback Protection Period. Transaction can be sent again. This process is called a chargeback. That's because the cited reason code may only sometimes reflect the genuine motivation behind it. Only an issuer can initiate the chargeback process. The initial release of this standard does not add, remove or change any Return Reason Codes. Thanks for following the Chargeback Gurus blog. This umbrella category can be applied to multiple specific situations, many of which had their own specific codes at one time. P22 – Non-Matching Card Number. Use this resource to prevent and fight chargebacks with greater accuracy. A Shopify chargeback occurs when a cardholder contacts the bank about. Below is the list of reason codes broken down by the card brand, with detail as to what specific evidence or information needs to be provided when responding to a retrieval request. For example, reason code 10. Discover is a credit card network and an issuing bank—just like American Express. The terminal action codes are in Table 122 of the 4. If the dispute is invalid, provide documentation that proves the reasoning: the merchandise cleared the merchant’s customs but is being held by the customer’s customs agency, the dispute amount includes the cash-back portion of the transaction, or the dispute is for a purchase made at an automated fuel dispenser. Updated August 23, 2023. For example, 'R04' indicates that an invalid account number was. 4 – CBK: Fraudulent Transaction: No Cardholder Authorization 11. . & Fighting Chargebacks? demo experience. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. What is Visa chargeback reason code 13. This category of fraudulent chargeback is represented with the following reason codes: AMEX - C08 Goods/Services Not Received or Only Partially Received. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. It goes. may be reversed if merchant can provide proof that the correct fare was quoted to Cardholder; That<br />. It should address the Reason Code and allow us a ‘Re-presentment’ right. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. When one cardholder initiates a dispute with their issuing bank, a. Mastercard chargeback reason codes are four numerals without decimals. Overview. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. 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. The client can define the chargeback reason code. Explanation of the occurrence of a chargeback, with a detailed breakdown by type and prevention options. S. 100- 140 standards- , and will be removed in future releases. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. Partners. Chargeback reason codes. 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. And each reason code has unique compelling evidence requirements if you choose to fight. P05 – Incorrect Charge Amount. ; This chargeback can be. When claims are rejected, a Medicare reason code provides a brief explanation or reason for the rejection. It was originally one of several possible scenarios covered by legacy Visa reason code 83.