46 4. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. These chargebacks occur to resolve chargeback-related disputes between network members. Reason Code. In fact, for every dollar lost to chargebacks in 2019, the average merchant lost an additional $2. Chargeback Reason Codes; Payment Industry Glossary; Frequently Asked Questions; Book a Demo. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. 1, 5 January 2016. About American Express chargeback reason codes. ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. Time Frames by Chargeback Type and Reason Code. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. Chargeback time limits vary depending on the reason for the dispute. Any chargeback that is received without a reason code will be assigned a default code of 53. For best results, your chargeback win rate should be as close to 100% as possible. 0) Digital usage logs; ContractsStep 1: The cardholder disputes a charge. Chargeback Reason Codes and Descriptions. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. If a payment is unsuccessful, PayPal usually gets the return message from the ACH. Fraudulent TransactionsThe problem continues to grow out of control with each year. Valid Values/Format: 22 - First Chargeback Handling Fee. Less than 20% of merchants noted a slight decline in Visa chargebacks after VCR, while over 55% reported no decline in chargebacks. 7. Incorrect Charge Amount. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. The Electronic Fund Transfer Act is a piece of US legislation that requires banks to provide certain information to customers regarding electronic fund transfers (EFTs). 1 Quick Reference Lead. The issuer generates a claim, then transmits it to the merchant’s acquirer, as well as to Visa, as a means of noting all reported fraud incidents tied to the merchant. Reason Code Directory. Ready to see. The existing 22 chargeback reason codes will be replaced by new reason codes and grouped into 4 categories: 1. Another downside is that chargebacks on annual subscriptions. US and Canada. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. The price of Order Insight alerts varies, but is often $8-$10 per deflected chargeback. 4, 12. In-Depth Analytics Name which real reasons for transaction disputes and solve issues along their source. Chargeback Authorization: None: Inquiry/Miscellaneous: M10: Vehicle Rental - Capital Damages: None: Inquiry/Miscellaneous: M49: Vehicle Rental - Theft or Loss of Use:. 3: Goods or services were not received: C08: RG: 4855: 13. without a reason code will be assigned a default code of 1. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Representment Documentation. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. Solution Case Studies Partners Company Blog Resources Data & Compliance FAQ See It In Action. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Chargebacks can pile up your expenses and can be annoying. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. A01 | A02 | A08. 08. 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. 4. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. manual processing by uploading chargeback documents instantly. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. The third digit indicates the specific reason within that category. In this scam, a scammer sends a message to their victim. 265. Additionally, Amex uses a fifth "Miscellaneous" category. Chargeback reason codes. And according to The True Cost of Fraud report by LexisNexis, businesses end up paying $3. 1 Late Presentment: P03 Credit Processed as Charge:Chargeback reason codes are one piece of evidence you can use to make your case. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37P01 – Unassigned Card Number. In short, chargebacks are costly. Depending on the reason code, chargeback disputes may have different time limits. Each code begins with 'R' followed by a two digit number. This will be referenced in the chargeback notice you received. Message. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. ; reason: Reason for the chargeback. ; eventCode: CHARGEBACK. 2. Reason Code Number. This information should be based on the Visa chargeback reason codes assigned to the case. ”. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Visa Chargeback Reason Codes; MasterCard. Chargeback reason codes. In simple words, the chargeback reason code provides the reason why you are dealing with a chargeback. Here are the two possible scenarios: 1. 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. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. P22 – Non-Matching Card Number. 4834. 3 Fraud – Card-Present Environment. The transaction amount and authorization number (ARN. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. Dispute Condition Description Dispute Condition Code Category Code Category Code Description; EMV Liability Shift: 10. On the home screen, tap “Disputes. All ACH return reason codes consist of the letter “R” followed by two. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). Thus, a reason code of one network does not necessarily match with a reason code of another network. Survey data from the 2019 Chargeback Field Report found that 82% of merchants surveyed believed that the Visa Claims Resolution process had “little to no impact on chargeback management. 101. It depends on the chargeback reason code associated with the dispute. Never swipe a card back and forth or at an angle, as it may cause the reader to misread the stripe. The cardholder claims they were charged multiple times for a single transaction. Discover - UA02 Fraud – Card Not Present Transaction. Typical chargeback reason codes are: DA: Disputed amounts. All ACH return reason codes consist of the letter “R” followed by two. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. Updated August 23, 2023. Time Limit (Acquirer/Merchant) 20 Days. The aim of CE 3. The reason_description field lists the chargeback reason. F02. The terminal action codes are in Table 122 of the 4. How you respond is determined by the chargeback reason code: Embed This Graphic. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. 3: Goods or services were not received: C08: RG: 4855: 13. 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. Amex Processing Errors Chargeback Reason Codes P01 — Unassigned Card Number. 2. The Sift Digital Trust & Safety Platform does what other fraud tools can’t, patented technology delivers. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. Reason Code 12. Only an issuer can initiate the chargeback process. 0 only applies to reason code 10. 2: No Authorization Legacy Code: 71. 2 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. 0. A payment capture is the legally binding point at which transactional funds move from a cardholder's account into a merchant’s account. 7: Defective goods and services: C32: RM: 13. The codes for each card brand are listed below along with the recommended documentation to provide. The shorthand description is “Unassigned Card Number. If a customer makes a chargeback request on the basis that he or she has not authorised the transaction, the customer's bank will charge the transaction back to the merchant’s bank. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Learn the details, the cause, how to respond and how to prevent American Express Reason Code P01 Unassigned Card Number . UA05 Fraud – Chip Counterfeit Transaction. 1 Different workflows Disputes will be routed in two different workflows, called Allocation and Collaboration. 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. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. When disputing a chargeback, select the document(s) that support your case, attach. R07 – Authorization revoked by customer. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. The merchandise was as described or was not defective. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. The assigned chargeback reason code outlines why a customer submitted the dispute. Updated Visa Reason Codes. Over the last three years, so-called friendly fraud has become the number-one source of fraud as reported by merchants are forced to deal with. There are two parts to this. 3? Visa chargeback reason code 13. These disputes are commonly referred to as friendly fraud. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Other Fraud—Card Present Environment. The shorthand description is “Chargeback Authorization. Amex Dispute Codes Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. 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. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. P01. Knowing these codes can help you dispute chargebacks more effectively. 5 Visa Fraud Monitoring Program. Either the acquiring or issuing bank could initiate the. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time. The merchant did not receive any returned merchandise. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Knowing these codes is vital for merchants to understand the reason for chargebacks and how to manage them. 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. 3: Goods or services were not received: C08: RG: 4855: 13. Q. 4846 — Incorrect Currency Code. Charge Processed as Credit. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. Once filed, the merchant generally has 20 days to respond to the chargeback. Take the time to note the following dispute reason codes for Visa. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. 1 Goods and Services Related Issues 1. Pages 124 This preview shows page 90 - 93 out of 124 pages. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. Late Presentment Rules: Mastercard. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. 1. The chargeback process can last from one month to six months. As we touched on earlier, chargebacks can happen due to technical errors. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Visa is planning to shake up the chargeback process with new compelling evidence rules for fraud disputes with Reason Code 10. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. the Chargeback. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. P01: Unassigned C/M Account Number. While the updates have been published, they do not go into effect until Oct. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. A chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. 1. In the distribution industry,. Find your dispute ticket by choosing between the “Open” and “Closed” tabs. Reason Code. to research a chargeback or reversal case, which is related to an authorization or fraud related chargeback reason code. Amex. 16 Chargeback Reason Code 71 – Declined Authorization. Customer Dispute. Chargeback fees can start at US$25 and go up from there. There are over 80 unique return codes, and each one represents a different type of return. P03. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Find explanations for the major credit card issuers dispute reason codes in the Cardholder Dispute Reason Code EncyclopediaReason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. P04. Chargeback Reason Codes Page 2 of 5. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. The main chargeback reasons look like this: Malicious fraud. Category. The standard chargeback process involves eight steps: Retrieval request: The card-issuing bank requests that the acquiring bank provide additional information for a given transaction. 3. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. For details on how to receive notifications of chargebacks, accept or dispute them, and submit evidence to. US/Canada Chargeback reason code. Chargeback reason code; Delivery confirmation (if the item was delivered) Accurate transaction dollar amount; When writing a winning chargeback rebuttal letter, it’s important to include one more vital component: the fact that you’re disputing the charge. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. F01. 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. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. There is a USD 25 limit for the First Chargeback (Reason Code 22). Reason Code 04. Even though these codes are not detailed enough, they are crucial when it comes to successfully preventing and fighting chargebacks. P01 Non-Matching Account Number P02 Non-Matching Acct No for returned item P03 Debit Posted as a Credit P04 Credit Posted as a SaleAmerican 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. 4: Fraud—Card-Absent Environment. Chargebacks. Write a chargeback rebuttal letter (with sample template) 8 Ways to Prevent Chargebacks. Region Only) 4855 Goods or Services Not Provided. Note. 1. ”. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. American Express chargeback reason code M01 falls under the “Inquiry/Miscellaneous” category. Code description a01 charge exceeds authorization. reason code information. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. ”. Unauthorized returns (R05, R07, R10, R29, R51): 0. 31. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. 6. 1. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. It can range from 60 to 120 days from the billing date. 3 Changed Discover Reason Codes to match what is shown in the UI. This ranges anywhere from roughly 60 to 90 days after purchase. 4853 – Cardholder Dispute – Goods or Services Not Provided. Using our e-commerce fraud prevention tools, we help lower friendly fraud costs and chargeback rates, but also reduce gift card and coupon abuse, and promote secure login authentication. Versions Affected: v5, v6. chargeback management with an easy to use online system. 65 fee for uploading scanned documents. Each bank card network has its owner list of reason codes banks must prefer from. View the entire list or search for any chargeback reason code. Responding to Mastercard Reason Code 4853 Chargebacks. The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. Mastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. 1 alpha followed by 2 numeric digits. This is commonly caused by either true fraud or friendly fraud. As we touched on earlier, chargebacks can happen due to technical errors. Tap “>” beside the charge to see an accurate timeline view of the disputed transaction. Collect Compelling Evidence. R02 – Account closed. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. Request for Information. 2. Your firm needs to embrace a customer-centric approach focused on transparency and. reason_description: string. Section5. If the order was genuinely not as described, then the cardholder has a case. You have submitted a Charge using an invalid or otherwise incorrect Card Number. 3: Goods or services were not as described: C31: RM: 13. You can learn more about each one by visiting the Mastercard Chargeback Guide. 65% with at least 75 total disputes. Merchants who believe they have received an invalid chargeback under reason code 13. An invalid chargeback is defined as an unnecessary or non-compliant payment dispute — a chargeback that shouldn’t have happened. 10. Reason Codes Category 4: Processing Errors. 2 falls under the “Processing Errors” category. Offer shipment and delivery tracking. You can be inducted into both programs at the same time. P05 – Incorrect Charge Amount. The program focuses on small ticket and digital goods merchant fraud transactions. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. Actions: This is where you respond to a case. Here are some chargeback reason codes by card type. 60 due to merchandise, fees, overhead, and other sources of loss. American Express is incentivized to keep their customers happy. Categories for reason codes have changed over the years, especially because of the increasing number of. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. 00 in chargebacks. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Every time a merchant processes a transaction, they are supposed to send an. Read the Chargeback Advice letter carefully. 1: goods not received. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. The bottom line: true fraud and chargeback prevention requires a more comprehensive. See moreAmerican Express chargeback reason code P01 falls under the “Processing Errors” category. The most comprehensive guide to chargeback reason codes. 9808 info@chargebacks911. Additionally, Amex uses a fifth "Miscellaneous" category. Other Fraud—Card Absent Environment. Card Issuer. 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. 4. All chargebacks start with a customer making a purchase in person, in an app, or online. 3 is the less common version for card-present transactions. Moreover, there are other two categories to handle the Amex chargeback: inquiry and chargeback programs. Categories For Reason Codes. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. The formal definition for R16 ACH return code is: Account Frozen/Entry Returned per OFAC Instruction: 1) Access to the account has been restricted due to legal action or specific action undertaken by the RDFI, or 2) the OFAC (The Office of Foreign Assets Control of the US Department of the Treasury) has instructed the Gateway or. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal. 2 Compliance CasesECM monitors first presentment chargebacks regardless of reason code or transaction type. Use this guide as a quick resource for Visa chargeback reasons at a. Reason Code P01: Unassigned Card Number. Cost. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. Now, those unrecognized disputes are often. A reason code is a numeric code that describes the cause behind a chargeback dispute. R04 – Invalid account number. All online retailers have to deal with at least some false positives. Chargeback reason code 10. Let’s say you got a Visa chargeback with reason code 13. You should be. 2. 41 4841 Cancelled Recurring Transaction 53 4853 Not as Described or Defective Merchandise 57 4840 Fraudulent Multiple Transactions 62 4870/4871 Counterfeit Transaction Being familiar with the potential chargeback reason codes gives recurringA counterpart program, the Visa Dispute Monitoring Program, may apply to both fraud- and non-fraud-related reason codes. Mastercard: Reason Code 4859 Service not rendered. ”. CHARGEBACK REASON CODESCode 13. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. With that said, you still need to understand the reason codes with any chargebacks from Amex. According to data published by ThreatMetrix, nearly 20% of all attempted transactions in the travel industry are identified as fraud attacks: Every travel vertical stands to lose revenue due to online. 6). The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. Category. It is caused by things like beliefs, opinions, morals, regrets, fear, and confusion. 7: Defective goods and services: C32: RM: 13. 3. A reason code is how banks categorize the reason for a chargeback. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. Visa chargeback reason codes. When the customer disputes a charge, the issuing bank then begins the chargeback process. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. P01: Unassigned Card Number: P03: Credit. American Express uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors as well as two additional categories, Inquiry/Miscellaneous and Chargeback Programs, to classify just a handful of reason codes. Supporting Documents You could potentially reverse a Chargeback by providing the. paper processing and mailing costs. Visa ® has launched the CE 3. 2. message. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. Description: Reason code for applying handling fee. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. Reason Code. compliance process depending on whether a chargeback right exists. Reference these when rebutting cardholder disputes at your small business. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. If a dispute is filed with Discover and a ticket retrieval request is sent, the merchant has just five calendar days to respond with. Standard Threshold: Reaching a chargeback ratio of 0. Knowledge of such codes can help businesses file a chargeback dispute successfully. Fine Period - month 1 1 Acquirer receives Excessive Fraud Activity Notification 2. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. Evidence for Dispute Responses When Under VFMP. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. Amex Dispute Codes Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Spot these types of chargebacks using. Technical. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. Chargeback time frames - A specific period during which a chargeback can be raised. 102. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Reason Code 53 re-presentments must be. . Intelligent Dispute Responses Win better disputes and achieve higher ROI with customized struggling regulations, optimized responses, and economically batch. View the entire list or search for any chargeback reason code. Recurring billing transactions are a frequent source of conflict, disputes, and.