It was originally just one facet of legacy reason code 81. C28 – Cancelled Recurring Billing. When a customer files a dispute, the incident will be sent through the “Allocation” workflow if it is designated as a “Fraud” or “Authorization” -related dispute. Each card company has its own set of codes that indicate the specific reason that a cardholder initiated a dispute. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The American Express chargeback process begins with Amex issuing a chargeback, along with a reason code to explain the dispute to the merchant. M10 Vehicle Rental – Capital Damages. Going back to our Reason Code C08 response, there are two modifiers that affect the evidence presented. The cardholder has a chip card and someone made a counterfeit copy of it. reason code information. Knowing these categories helps you further understand the chargeback and identify any problems within your payment solution, customer service, and sales processes. This alphanumeric code corresponds with the specific reason behind the chargeback, such as card-not-present fraud, incorrect currency, misrepresentation, or any other chargeback-eligible issue. Declined Authorization Authorization Visa Code: 11. C02 – Credit Not Processed. The reason code specifies why the chargeback was initiated. In the case where goods or services are to be delivered, Cardholders can disputePreventing Mastercard Reason Code 4837 Chargebacks. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. Cardholder-Activated Terminal (CAT) 3 Device. 7 Violation for Coercion Claim. Thanks for following the Chargeback Gurus blog. 4 Fraud – Card-Absent Environ. FR6 Partial Immediate Chargeback Program. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Region Only) 4855 Goods or Services Not Provided. This process is called a chargeback. 80. This category of fraudulent chargeback is represented with the following reason codes: AMEX - C08 Goods/Services Not Received or Only Partially Received. This should include notation that indicates the specific reason for the chargeback. For instance, some reason codes allow cardholders over a year to file. Company. This chargeback may be reversed if merchant can. Chargebacks occur when a credit cardholder disputes a charge on their statement with their issuing bank, in order to ask for a refund. Use this report to check the status of all chargebacks disputes and retrieval notifications within the report range. 1? Visa chargeback reason code 13. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. Chargeback reason codes are an abbreviated way of offering a basic explanation for the chargeback. Both EFM and ECM measure compliance at the MID level. 5 percent of all transactions. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12,. Chargebacks are initiated when a cardholder disputes a transaction, resulting in a reversal of their original payment. Discover has just one additional category to classify one reason code: Dispute Compliance. The cardholder couldn't recognize the purchase description on the billing statement. Solution. Pursuant to an Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and edition banks must reverse a disputed deal if aforementioned cardholder’s. Reason Code Description More details Action required; MD06 Disputed authorised transaction Your customer has claimed a refund for an authorised transaction (Core scheme only). 4849 – Questionable Merchant Activity – Questionable Merchant Audit Program (QMAP) 4863 – Cardholder Does Not Recognize – Potential Fraud. 2: Canceled Recurring Transaction, is used when a cardholder claims a recurring transaction was processed illegitimately. 7 – Cancelled Merchandise / Services. Visa Claims Resolution consolidated the company’s previous roster of chargeback reason codes into four fundamental dispute categories: Fraud; Authorization; Processing Errors; Consumer Disputes; The reason codes are broken up into general, related categories. Credit Posted as a Purchase chargebacks, for example, at. M49 Vehicle Rental – Theft or Loss of Use. 13. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. [1] Sift. In some cases, banks must wait a specific amount of time before issuing a chargeback. Code. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. This reason is made visible to all parties involved. They can also be caused by a merchant failing to process a cancellation promptly. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Category. Mastercard Chargeback Reason Code 71: Disputed Amount. 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. 3: Goods or services were not as described: C31: RM: 13. Card-not-present chargeback. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. Download this sample Chargeback Rebuttal Letter. Depending on whether the documentation is required or not, Paymentology will submit these chargebacks on the client’s behalf. It gets worse. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 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. 4853 Cardholder Dispute. 11. (switch ending a day's business and starting the next. Then, click individual codes for tips on how to prevent and fight each one. 30. Reference these when rebutting cardholder disputes at your small business. Other Fraud-Card Absent Environment, No Cardholder Authorization, Card Not Present Fraud, Cardholder Does Not Recognize - Potential Fraud, Disputed Transactions (Reason Code-45),. Chargeback Reason Codes. P04 – Charge Processed as Credit. Chargeback fees can start at US$25 and go up from there. Case Studies. All the major card networks use chargeback reason codes to convey the reason for a chargeback. Visa Chargeback Reason Codes. . Reason Code 03. 4841 Canceled Recurring or Digital Goods Transactions. The codes also appear on financial reporting associated with disputes. Train your staff to process and handle card-present transactions properly. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. P05 – Incorrect Charge Amount. Chargeback:{reason_code}: A chargeback with a specific reason code. Notification of Fraud. MasterCard and Visa each have their own chargeback codes. We have been leading the charge against chargebacks since 2005, creating a world where merchants can flourish by focusing more on what they do best. Medicare reason codes are 3 digit codes found in processing reports and Medicare benefit statements. Each time a consumer files a chargeback, the merchant is hit with a fee ranging from $20 to $100 per transaction. 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. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. Required Authorization Not Obtained. 2 – EMV Liability Shift Non-Counterfeit Fraud. Incorrect Transaction Code. This may be done by either the merchant or the issuing bank. Some of these reason codes are specifically designated to apply to authorization-related issues. 1: EMV Liability Shift Counterfeit Fraud: 10. The charge is returned to the customer’s card that was used for payment. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). ”. 13. But for illegitimate claims, the reason code doesn’t give the real reason for the dispute. There are two types of invalid chargebacks. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 5% or more are categorized as Excessive Chargeback Merchants (ECM). Credit not processed for cancelled or returned goods and services 2. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Discover - RG Non-Receipt of Goods, Services, or Cash. Non Matching Account Number. How to Prevent. MasterCard: Reason Code 4859 Services not rendered. This section contains a list of codes and messages that the system can return in the response message for a payment transaction. 1 Goods and Services Related Issues 1. Accessed October 31, 2022. Visa chargeback reason code 75 is filed as an honest mistake. Chargeback reason code 10. The Online Chargeback Management guide (PDF) is to help merchants input debit adjustments. This code applies when a transaction was processed without acquiring authorization…but the card used in the transaction was listed in the Visa Card Recovery Bulletin (CRB). ”. § Support required to request a Chargeback Reversal - examples of required documentation if you request a Chargeback Reversal. 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 is valid. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. About Visa chargeback reason codes. This new ruleset expands the list of compelling evidence you can use to help undo an invalid customer. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. As we touched on earlier, chargebacks can happen due to technical errors. By closely examining the characteristics of each chargeback, you. View Our Full List Here. There are two parts to this. C08 – Goods / Services Not Received or Only Partially Received. What is Mastercard chargeback reason code 4807? Mastercard chargeback reason code 4807 falls under the “Authorization” category. VCIPayments; NMI;. The issuer reviews the case, assigns a reason code, and initiates the chargeback. M01 Chargeback Authorization. Transaction can be sent again. 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. Company. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. 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. Chargeback Reason Codes. The chargeback transfers funds from the acquirer to the issuer. An XCK entry may be returned up to sixty days after its Settlement Date. The most relevant Mastercard chargeback codes for the majority of merchants can be broken down into four main categories—authorization, cardholder dispute, fraud, and point of interaction. Spot these types of chargebacks using the below reason codes. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. 4846. Then, click individual codes for tips on how to prevent and fight each one. If you’re using the Online Dispute Management System, you will find the dispute reason codes on both the Level 1 and 2 screens. This reason code is accompanied by a fraudulent reason code (UA). Overall returns (all codes): 15%. A Shopify chargeback occurs when a cardholder contacts the bank about. Common ACH dispute codes. 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. For example, 'R04' indicates that an invalid account number was. The cost of payment card fraud has increased by 60% over the last decade, and is expected to increase significantly post Covid-19. 5 – Misrepresentation. The Return Reason Code could be any of the valid codes listed in the X9. 13. Processing Errors, also referred to as Point-of-Interaction Errors, categorize reason codes representing disputes including duplicate processing, late presentment, credit processed. 4 Funding Process. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. To track these chargeback reasons and many more not listed here, each credit card issuer has its own list of chargeback reason codes. The chargeback process can last from one month to six months. R03 Insufficient Reply. 77. This chargeback<br />. 6 Credit Not Processed . This code is unique—at least currently—in that Visa has since split it into two separate categories: 12. 1 – EMV Liability Shift Counterfeit Fraud. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Chargeback reason code 10. Chargeback Reversed. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. 1 falls under the “Consumer Disputes” category. and the last 4 digits of the card number. In reality, however, the true cause of a chargeback may be anything from a misunderstanding, to buyer's remorse, or even deliberate cardholder abuse. Transaction Amount: Decimal 0. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, and. [noun]/* fren • dlē • frôd • /. Chargeback Reason Code A numerical code that identifies the specific reason for a chargeback. Each major credit card company has its own list of chargeback reason codes that describes the chargeback. R13 No Reply. Type. To quantify the total cost of fraud, we break down the many losses that accrue along the purchase journey of a fraudulent $100 sale. So the company has more incentive to side with customer during cardholder disputes. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. 100- 140 standards- , and will be removed in future releases. All chargebacks start with a customer making a purchase, either in-person, in-app or online. 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. 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. View the Medicare reason codes list. 2. A MATCH list reason code refers only to criteria for a merchant being added to the MATCH database. Concerning Native Expres chargeback reason codes. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. Also, remember that the time frame for your response includes any processing required by the acquirer. Visa chargeback reason code 75 is filed as an honest mistake. 20The cardholder files a chargeback via their bank. 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. Scenario 2. The shorthand description is “Warning Bulletin File. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. The Complete Chargeback Reason Codes List Visa Discover Mastercard American Express How to Use Chargeback Reason Codes 5 Things Merchants Should Understand About Chargeback Codes Credit Card Chargeback Reason Codes: Final Thoughts FAQs about Chargeback Reason Codes 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. Chargeback Reason Code. The tickets were held at the box office, and no signature, swipe or imprint. C. The following table shows response codes and their meanings for ISO 8583-1987, later versions uses 3 and 4 digit response codes. UA02 Fraud – Card Not Present Transaction. Mastercard Reason Code 4807 – Warning Bulletin File chargebacks should be filed under code 4808. Requested Transaction Information Not Received. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute. It should address the Reason Code and allow us a ‘Re-presentment’ right. 45. During this process, the representative of the institution examines the reasons’ list. What follows is a quick reference guide for all the current reason codes for each of the four. Use clear and consistent billing descriptors. As part of its move to support card-not-present merchants and airlines, Visa made changes to the compelling evidence requirements for four key reason codes: Reason Code 30: Services Not Provided or Merchandise Not Received. & Fighting Chargebacks? demo experience. These codes explain the reason why the chargeback was filed, and the reason. Use this resource to prevent and fight chargebacks with greater accuracy. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. Visa Chargeback Reason Codes. Mastercard Chargeback Reason Code 73: Duplicate Transaction. You must tailor your representment case — including the compelling evidence — to the reason code under. For a more detailed explanation, as well as a list of Visa’s individual codes, please refer to our guide on chargeback reason codes. When a chargeback is filed, a bank selects the code that best fits the reason a chargeback was filed. Use this resource to prevent and fight chargebacks with greater accuracy. 11, 16. 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. About Careers Contact. ” This reason code is assigned. 4849 – Questionable Merchant Activity – Questionable Merchant Audit Program (QMAP) 4863 – Cardholder Does Not Recognize – Potential Fraud. Chargeback reason codes. This Return Reason Code may only be used to return XCK Entries and is at the RDFI’s sole discretion. Chargebacks with the following reason codes are requested due to fraudulent activity. The same is true of all chargeback reason codes. American Express, Discovering, Visa. 1: Card Recovery Bulletin:This standard provides the financial industry with a list of Return Reason codes that are used by the Financial Services industry for image exchange and the creation of IRDs. A family member used the card without the primary cardholder's knowledge. ” Reply By: • Notice Due Date, if applicableChargeback - Unauthorized/Fraud, Item not received (chargeback), Significantly not as described, Credit not processed. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. MasterCard Chargeback Reason Codes. To generate a chargeback, the issuer must submit the First Chargeback / 1442 message with the applicable message reason. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. UA01 Fraud – Card Present Transaction. View the entire list or search for any chargeback reason code. Chargeback reason codes. ”. If they don't accept, disputes with reason codes 4808, 4870, or 4871 go straight to Arbitration. Identifying your chargeback triggers is an essential step in developing a comprehensive chargeback mitigation plan. For merchants, the deadline to respond is 30 days for Visa chargebacks and 45 days for Mastercard chargebacks. For returns, the time period is 7 days. These codes are established by the payment brands to categorize the incoming dispute requests by reason. September 2011: 5. Below is a list of Mastercard chargeback codes used in eCommerce. There are over 80 unique return codes, and each one represents a different type of return. Merchants can find a. Code Reason (for Visa) 10. The most comprehensive guide to chargeback reason codes. Below are some examples of more common reason codes. Now, compliance cases go through Visa Resolve Online (VROL). instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. 3 – Not as Described or Defective Merchandise / Services. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. The merchant failed to ship the merchandise by the promised delivery date/time. e. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). The chargeback reason code is important in determining the evidence you need to provide to successfully win the chargeback dispute. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. A reason code or a chargeback reason code is a string of symbols (numbers and letters). MATCH List Reason Code: Title: Explanation: Reason Code 01: Account Data Compromise: Account data is stolen from the card-present merchant and used with other merchants:. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. We’ll Handle the Chargebacks. 5 Chargeback Reason Code List - U. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The journal Chargeback reversed is booked and the disputed amount is transferred back into your account. For American Express; For Visa; For Mastercards; Chargeback Reason Codes List for American Express 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. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for. Each chargeback reason has its own, individual prevention techniques. Description: Reason Code: Explanation: Incorrect Card Number: American Express P01, P22; Discover IN; Mastercard 4808; Visa 12. 4. Case Studies. Reference these when rebutting cardholder disputes at your small business. 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. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. These codes are established by the payment brands to categorize the incoming dispute requests by reason. The ultimate purpose of a chargeback reason code is to explain to the merchant why a chargeback was filed. Which is meant to know the reason for the dispute. Reason Card Type Reason Code Description Merchant Action Code This Chargeback occurs due to a dispute relating to swiped transactions in which the Cardholder Discover UA11 Swiped Card Transaction – No Signature claims fraud and a signature was not obtained. Now, compliance cases must be submitted through Visa Resolve Online (VROL). Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. This provided a number of insights into the typical. 1 to 10. 9 – Non-Receipt of Cash or Load Transaction Value. Previously, Visa expected the disputing member to start the dispute by filing a pre-compliance chargeback under reason code 98 (now obsolete). 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. Visa - 13. 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. You can see a reason code 11. Reason Code 03. [noun]/* kə • stə • mər • di • spyo͞ot/. For enterprises with tight margins. It depends on the chargeback reason code associated with the dispute. A reason code identifies the reason behind every chargeback. 13. There are several types of Mastercard chargeback reason codes, each with its own unique set of circumstances. 31. A card-not-present chargeback is a payment reversal conducted by a bank in response to a card-not-present (i. Midigator has created a database of Mastercard reason codes. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Some of the reasons why the order did not reach the cardholder can be as follows: The merchant did not provide the services;ECM monitors first presentment chargebacks regardless of reason code or transaction type. Please refer to chapter 5 for more information. Actions: This is where you respond to a case. Additionally, there are several other reasons you could be on this list related to security, illegal activity, bankruptcy, fraud, or non-compliance. The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to. FR4 Immediate Chargeback Program. 4. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. For a list of available reason codes, refer to Dispute reason codes. 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. Reason Code – 10. 4 — other fraud – card-absent environment — asserts the merchant processed a card-absent, card-not-present, or digital payment for a customer who used the. Issuer Review; Allocation. The merchant failed to ship the merchandise to the agreed-upon location. You may also receive this code if the transaction was. Reason code 83 represents a chargeback categorized as. With so much to cover on chargeback reason codes, it’s hard to do it in a single blog post. 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. But cardholders and merchants have different time limits. Visa chargeback reason codes, for example, are numerals with decimals. That said, looking up purchases using this number can make it easier to provide info following an. 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. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. to research a chargeback or reversal case, which is related to an authorization or fraud related chargeback reason code. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. Mastercard: n/a This chargeback is caused by Authorization. 1001 - Cardholder does not recognize the transaction. The following tables show the Stripe categories for each card network’s dispute reason codes. The Chargeback Reason Code Format. The problem continues to grow out of control with each year. Reason Code 04. #9. Select a tab to see the possible. 1? Visa chargeback reason code 11. This is now an obsolete reason code, and issuers have been instructed to use code 4808 instead. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. For each reason code, a definition is Chargeback Reason Codes. The chargeback reason codes below explain why this happened. ETAILS. Retrieval Request/ Copy request Reason Codes. F01. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback MitigationCustomer Dispute. 3 – CBK: Fraudulent Transaction: No Cardholder Authorization 10. 1, which covers duplicate processing errors, and 12. 13. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. A WORD OF WARNING: MATCH reason codes are not the same as chargeback reason codes.