6). Please refer NPCI OC- 93 for details. Only an issuer can initiate the chargeback process. The Fintech Times. The reason code used to describe the dispute will determine the chargeback time limit. 4853 – Cardholder Dispute – Goods or Services Not Provided. To subscribe and learn more about the free online chargeback management system, or contact Chase Paymentech Client Services at 1. Friendly fraud. EMV Liability Shift Counterfeit Fraud. 0 represents the first rules change of its kind that specifically provides merchants with the opportunity to reverse the fraud status applied to a transaction associated by reason code 10. How do you use reason codes? A chargeback often has a reason code associated with it. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. C04 – Goods / Services Returned or Refused. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. Unauthorized returns (R05, R07, R10, R29, R51): 0. 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. That said, looking up purchases using this number can make it easier to provide info following an. We have reviewed the case. 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. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Chargeback fees. Blog and Articles; Success Stories; Chargeback Reason Codes; WASTEBASKET Look-up; eGuides both Reviews;. 3. Fight; Prevent;. Specifically, these updates only pertain to transactions that are charged back after Oct. 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. Each reason code has certain standards of proof and evidence associated with it that determine whether the chargeback is valid or not. This definitive guide includes the chargeback reason codes from each of the four major card networks. Even though these codes are not detailed enough, they are crucial when it comes to successfully preventing and fighting chargebacks. When one cardholder initiates a dispute with their issuing bank, a. R01 – Insufficient funds. Process Flow for P2M:- Issuer Banks: Can raise chargeback with reason code 1065 (If customer is expecting compensation for non-fulfilment of goods/services. MasterCard: Reason Code 4859 Services not rendered. An XCK entry may be returned up to 60 days after its settlement date. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Vantage HouseChargeback Reason Codes. ACH Return Codes. All ACH return reason codes consist of the letter “R” followed by two. Fine Period - month 2 or 3. Date Option. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. • Return code - provides account status, e. Every chargeback comes with a reason code. With NOCs, ACH transactions will run successfully, but your. 1 Different workflows Disputes will be routed in two different workflows, called Allocation and Collaboration. Additionally, Amex uses a fifth "Miscellaneous" category. As we touched on earlier, chargebacks can happen due to technical errors. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. For example, suppose a cardholder filed a case about an order processing issue, and you disputed the chargeback. Be transparent about your products. 4 Ways to Fight Chargebacks: Gather compelling evidence. American Express chargeback reason code C18 falls under the “Card Member Disputes” category. Aug-29-2016 05:33 AM. . UA05 Fraud – Chip Counterfeit Transaction. Cardholder-Activated Terminal (CAT) 3 Device. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. If you get a chargeback,. Invalid Reasons for a DisputeSurvey 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. Request for Information: No Authorization: C02: Canceled/Returned by Cardholder: Credit not Processed. C02 – Credit Not Processed. Amex Dispute Codes The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. 1. Chargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. You must tailor your representment case — including the compelling evidence — to the reason code under. The following chargeback reason codes are related to EMV: Visa: 10. American Express Chargebacks / Disputes. Fine Period - month 1 1 Acquirer receives Excessive Fraud Activity Notification 2. At Visa they used to receive reason code 98. 2, below. com Europe. A well-structured rebuttal letter should address the chargeback reason code, clearly explaining why the cardholder's dispute is not legitimate and why the funds should be returned to you. 3. non_receipt: The buyer claims they didn't get the goods or services. Braintree Support Articles. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how. France saw a drop of roughly 50% during the same period. After the introduction of Visa Claims Resolution, Visa set the goal of resolving all disputes in less than 31 days. Reason Codes A chargeback reason code is a distinctive two-to-four-character combination of letters and numbers issued by the involved bank to identify why a dispute was initiated. The existing 22 chargeback reason codes will be replaced by new reason codes and grouped into 4 categories: 1. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Increasing Costs and Draining Internal Resources. Late Presentment Rules: Mastercard. And according. paper processing and mailing costs. Each of these situations was given an alphanumeric identification code called a chargeback reason code, which is meant to explain the reason for the dispute. That suggests that in the times when merchants. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. Solution. Chargeback reason codes. The system does not accept Blank as a value, even if it is defined in the UDC table. Managing Reason Code 62 chargebacks. Any time. Each reason code has its own set of regulations regarding: Proper and. Reason. Chargeback Reason Code Quick Reference Guide. Field name: reasonCode. information, including correct routing number, e. Photos, signatures, emails and other evidence that will help build your case. Section5. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. This reason code is used when a cardholder claims that they canceled a recurring billing transaction but were still charged. 1. Card issuers are in the process of enrolling all cards issued to cardholders to participate in 3-D Secure. 1, "Compelling Evidence for goods/services notCode 4807: Fraudulent Card-Present Transaction. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. Availability Date: October 24th, 2021. C18 – “No Show” or CARDeposit Cancelled. Knowing these codes is vital for merchants to understand the reason for chargebacks and how to manage them. The way you manage chargebacks depends on your account setup. The codes for each card brand are listed below along with the recommended documentation to provide. Discover uses unique codes to explain those reasons to merchants. 2. • Removed reason code 4840 (Fraudulent Processing of Transactions) Chapter 1—General Information. The transaction amount and authorization number (ARN. The case is now closed. Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10: Arbitration; Chapter 11: Fraud filters; Fraud Filters. R06 – Returned due to ODFI’s request. Compelling evidence for fraud chargeback reason codes: • Proof that Verified by Visa was utilized by the merchant and 3DS authentication was obtained (ECI 5/6, UCF 1/2) for the disputed electronic commerce transaction. RuPay has categorized all the chargeback reason codes into 5 different groups as stated below. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Reason codes vary by card brand. You can learn more about each one by visiting the Mastercard Chargeback Guide. Offer shipment and delivery tracking. What Are Chargeback Reason Codes?. Valid Values/Format: 22 - First Chargeback Handling Fee. However, they don’t address the reason why that chargeback was issued in the first place. Chargeback Reason Encrypted by Lattice - 2023 Guided. Card issuers and card networks deem certain chargeback codes to be nearly indisputable by merchants, and as a result, a merchant can be charged a fee of up to $500 by card networks for submitting a dispute of such chargebacks. With an eCommerce transaction, 3-D Secure technology works like an online PIN code. Because you have not met Seller Protection performance requirements , the transaction will be reversed. C02 – Credit (or partial credit) Not Processed; C04- Goods/Services Returned or Refused; C05 – Goods. resolved via the chargeback management process and within timeframes. To help you identify what happened, look up the code you received for the dispute below. 10. About American Express chargeback reason codes. 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. reason code information. A chargeback occurs when a charge on a customer’s account is reversed. Implementing fraud preventing practices and going for illegal chargebacks is the best way to keep the business safe. 800. 3: Goods or services were not as described: C31: RM: 13. The EFTA was first enacted in 1978. 1 Allocation Fraud and Authorization related chargebacks will be processed through an automated workflow. Most reason codes apply to any merchant, regardless of what’s being sold. The customer returned a product or service, but a credit was never processed by the merchant. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. C02. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. Chargeback Reason Coded by Network - 2023 Guide. Based on the information provided, Paymentology will investigate the transaction being disputed. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. 3 falls under the “Authorization” category. Visa has recently announced changes to its chargeback rules. The actual underlying cause of this chargeback is. 103. This extra step can be frustrating for Card Members and lead to lost sales. About American Express chargeback reason codes. Effective for Transactions completed on or after 15 April 2016, A Transaction for which Authorization was obtained after a Decline Response was received for the same purchase. The chargeback process can last from one month to six months. Or contact your account manager. This can be transaction receipts, proof of. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. “Goods Not Received” also jumped to 9% of repudiated transactions as customers attempted to recoup losses for canceled flights. Visa assesses the following fines, as specified in the table below, to a U. Click on the Chargeback Reason Code drop-down menu, the user can change the. About American Express chargeback reason codes. Visa, MasterCard, and American Express all list compelling evidence by reason code. Dec 6, 2021 — Betty's bank issued the chargeback for $9. And we have another way to help. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Provide Explanation Give a clear overview of the documents you’re submitting, address the specific dispute reason, provide any changes made to the original purchase/agreement and explain the steps you’ve taken to resolve the dispute. A reason code is how banks categorize the reason for a chargeback. Spot these types of chargebacks using. Unlike your response to other chargeback types, which is mostly determined by the particular circumstances and may require taking different actions, your response to a Reason Code 75 is quite. Receiving a damaged product. If the policy is on the front of the receipt, it should be near the customer signature line. 3 Fraud – Card-Present Environment. The shorthand description is “Credit Not Processed. There are four primary phases to a Visa dispute: After Visa. FIGHT What compelling evidence is needed to respond? AMEX CODE A08 (Chargeback) CATEGORY Authorization AMEX CODE C02 (Chargeback) CATEGORY Authorization DESCRIPTION Authorization Approval Expired What it means The authorization has expired before the transaction was submitted. 2022 Visa Chargeback. See moreAmerican Express chargeback reason code C02 falls under the “Card Member Disputes” category. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. Customer Dispute. This means that even if the consumer makes a purchase through a guest checkout, they can, if they use the same device, make a purchase as a guest without entering card or payment information. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. Please refer NPCI OC- 93 for details. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. C14 – Paid by Other Means. paper processing and mailing costs. Description: Reason code for applying handling fee. Region. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. Typical chargeback reason codes are: DA: Disputed amounts. All chargebacks start with a customer making a purchase in person, in an app, or online. 4 Fraud – Card-Absent Environment. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—QuestionableSurvey 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. 2 EMV Liability Shift. The reason code may not reflect the true reason for the chargeback. A payment capture is the legally binding point at which transactional funds move from a cardholder's account into a merchant’s account. See the list of reason codes below: Card Network. For details on how to receive notifications of chargebacks, accept or dispute them, and submit evidence to. Amex Dispute Codes 2 address the specific dispute reason with the documents you send. RDFI, at its discretion, returns an XCK entry. Please note: You do not benefit from liability shift for any other chargeback reason codes other than those defined in this document above. 1. Click the Update Chargeback link to edit the chargeback details. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. Notification of Fraud. g. Check out these codes under their fraud category. Additionally, Amex uses a fifth "Miscellaneous" category. ECM monitors first presentment chargebacks regardless of reason code or transaction type. Here finalizing user includes the chargeback reason codes from either of the foursome major card networks. Mastercard Chargeback Reason Code 70: Chip Liability Shift. 3: Goods or services were not received: C08: RG: 4855: 13. 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. When a card is declined, it is in your best interest to accept that answer and either cancel the transaction or ask for a different form of payment. Not remembering the original purchase. UA01 Fraud – Card Present Transaction. Chargeback prevention strategies vary based on the reason for the. Let’s say you got a Visa chargeback with reason code 13. 5158. Everyone has had the experience of buying. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. manual processing by uploading chargeback documents instantly. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or. 7 Best Practices in Chargeback Mitigation Enable your teams to prevent disputes with our list of best practices. If you get a chargeback,. Visa. Using the same link provided above, contact PayPal to report the scam. 00 EUR as a Withdrawal fee. Not only do you need to know how long the timeline is, but you also need to know when the clock. 1. Visa Chargeback Life Cycle. US $10,000. Cybersource transaction responses will contain either reason codes or reply flags, depending upon the integration method employed. 3 DUE DATE 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. 7. About American Express chargeback reason codes. ”. Section5. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. 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. 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. US $10,000. Write Off. AMEX C02 Credit not Processed Cancelled/Returned by Cardholder YES YES American Express chargeback reason code C28 falls under the “Card Member Disputes” category. View the entire list or search for any chargeback reason code. com. 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. This provided a number of insights into the typical. Categories for reason codes have changed over the years, especially because of the increasing number of. Chargeback fees can start at US$25 and go up from there. Field name: reasonCode. Also, remember that the time frame for your response includes any processing required by the acquirer. Not recognizing your billing descriptor on a statement. Please note that the most common Chargeback reason code for Allocation disputes is 10. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. The chargeback system was designed as a last resort; only to be used in specific situations. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. Next, the issuer passes along all information about the dispute, including the chargeback reason code, to the card network. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. C02 = Credit not processed. C02 Credit Not Processed: 05 Good Faith Investigation: 4853 Cardholder Dispute: 13. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Once you hear from us, you’ll . 2. g. Once you know why a chargeback happened, you can start building a case to address the claims that were made. Answered by: John Burnett. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing American Express Chargebacks / Disputes. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim. Administrative returns (R02, R03, R04): 3%. Reason Code 12. The system does not accept Blank as a value, even if it is defined in the UDC table. Chargeback reason code 10. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim. Visa Chargeback Reason Codes • 30: Services Not Provided or Merchandise Not Received • 41: Cancelled Recurring Transaction • 53: Not as Described or Defective Merchandise • 57: Fraudulent Multiple Transactions Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Merchants who believe they have received an invalid chargeback under reason code 11. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. The chargeback process can last from one month to six months. Here are the two possible scenarios: 1. Below is a list of Mastercard chargeback codes used in eCommerce. Assemble Your Evidence. Other Fraud—Card Absent Environment. 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. )A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. 1. Acquirer after the 3-month Workout Period, as described in “Excessive Fraud Activity Notification - U. Pages 124 This preview shows page 90 - 93 out of 124 pages. Example: 25. Those reasons are explained through the corresponding reason codes. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. 1 Quick Reference Lead. 1. Betty's issuing bank assigned chargeback reason code 10. American Express . Aug-29-2016 05:33 AM. However, the 30 day waiting period can be waived if you’ve. A01 = Charge amount exceeds authorisation amount. Number two: Product Not Received chargebacks. Note that not all options are available in the bank dispute forms. FR4 Immediate Chargeback Program. 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. Reference these when rebutting cardholder disputes at your small business. Banks, however, categorize chargebacks or disputes depending on the card used when a chargeback occurs. chargeback: The buyer filed a chargeback with the credit card issuer. An XCK entry may be returned up to sixty days after its Settlement Date. American Express reason code 155, Visa reason code 30, MasterCard reason code 4855, and Discover reason code 4755 are all specific reason codes for Shopify payment chargebacks. S. Another thing you should bear in mind is that the card brand involved in the dispute can also change the reason code to suit new developments. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. 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. Below are some examples of more common reason codes. Chargeback Reason Codes and Descriptions. Payment Capture. American Express chargeback reason code C05 falls under the “Card Member Disputes” category. EMV Liability Shift Non-Counterfeit Fraud. The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type of chargeback. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Additionally, Amex uses a fifth "Miscellaneous" category. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. A08 = Authorization approval expired. Written by Chargeback Gurus. 1 Chargeback reason codes There are no common chargeback reason codes in the industry; instead, each card network defines its own reason codes. The merchandise was as described or was not defective. 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. Then it chooses the most applicable code for a. A Complete Listing of all American Express Chargeback Reason Codes Prohibited Business Types American Express Tools That Help Prevent Chargebacks. AMEX CODE A08 (Chargeback) CATEGORY Authorization AMEX CODE C02 (Chargeback) CATEGORY Authorization DESCRIPTION Authorization Approval. Paid by alternate means and card. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. 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). The chargeback transfers funds from the acquirer to the issuer. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. Fine Period - month 1 1 Acquirer receives Excessive Fraud Activity Notification 2. Reason Code 03: Laundering: The merchant processed transactions that did not involve a bona fide cardholder: Reason Code 04: Excessive Chargebacks: The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds:. The reason_description field lists the chargeback reason. documents before the deadline. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Reason Code 53 re-presentments must be. The chargeback initially results in the debit or credit card charge being reversed and the funds that you received for the payment being returned to the customer. 5158. Note: Fraud is generally the most common chargeback dispute reason. Issuing banks follow standard rules to validate a chargeback and then associate it with a specific reason code according to the evidence that was provided. For example, 'R04' indicates that an invalid account number was. You must tailor your representment case — including the compelling evidence — to the reason code under. Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. A reason code is a response from Cybersource servers for production transactions submitted using the following methods:. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. If the merchant has a signature showing that the order was delivered, or evidence that the. 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. Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. What is Visa chargeback reason code 11. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. School Yeshiva University; Course Title BUS MISC; Uploaded By KidGorilla7385. 2 address the specific dispute reason with the documents you send. Amex Cardmember Dispute Chargeback Reason Codes C02 — Credit Not Processed. 1 Goods and Services Related Issues 1. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Chargeback Base Codes by Network - 2023 Guide. In fact, 91. 4 spec (Section 8. This return reason code may only be used to return XCK entries. 16 Chargeback Reason Code 71 – Declined Authorization. American Express Chargeback Reason Codes. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. From a merchant’s perspective, the greatest asset offered by 3DS is protection against liability in the event of fraud. Be sure to send your supporting . Chargeback Reason Codes by Network - 2023 Guide. The case is now closed.