The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. UA02 Fraud: Card Not Present Transaction. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. The most significant category of reason codes is fraud. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andThe cardholder files a chargeback via their bank. The third digit indicates the specific reason within that category. Solutions. Discover Reason Code UA06 — Fraud/Chip-and-Pin Transaction Learn more about chargeback reason codes The new rules apply both to merchants who have an EMV-enabled system and those who haven’t switched over yet. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. TC40 data is used to inform banks and card networks when a merchant has an outstanding fraud. Select the value “open”. 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. txt) or read online for free. Cause The merchant didn’t use a chip-and-PIN compatible terminal or was convinced to bypass the PIN requirement. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. Category. txt) or read online for free. Look below the surface. 4853 – Cardholder Dispute – Credit Not Processed. Late Presentation. As we touched on earlier, chargebacks can happen due to technical errors. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. 4: Other Fraud–Card-Absent Environment. One of three things will happen: The issuer rules in your favor: Your representment case validates the original transaction. If you believe you have received an ACH return in error, you can contact your bank. Reason Codes Category 4: Processing Errors. Prevented; Recover; Tools. Another downside is that chargebacks on annual subscriptions. In the distribution industry,. How you respond is determined by the chargeback reason code: Embed This Graphic. Card networks send these codes to merchants to indicate why a chargeback has been filed. 5%. Accessed October 17, 2022. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. American Express – Consumer Disputes: C02 – Credit Not Processed C04 – Goods or. Chargebacks are a problem that is growing worse across the board, and gas station. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. Despite being one of the smaller players among major credit card companies, Discover offers a wide range of chargeback reason codes. Collect Compelling Evidence. MasterCard does not have an equivalent reason code. Categories For Reason Codes. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at some. Solutions. Managing Reason Code 41 chargebacks. Chargeback reason code 75 is issued when a card issuer receives a complaint from a cardholder stating that the name of the merchant that. United States. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. 0 is to make the chargeback process more efficient, transparent, and fair. Knowing these codes is vital for merchants to understand the reason for chargebacks and how to manage them. Reason Code List. 2 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. "Stage 1: First Chargeback. 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. 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. The cardholder possesses a PIN-preferring credit card, but your POS is either not PIN-enabled or allows the shopper to bypass the PIN entry. Mastercard also considers some chargeback reason codes to be indisputable. 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. Be transparent about your products. The cardholder claims they were charged multiple times for a single transaction. 4: 4863 Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. EMV chip cards can be used in combination with PIN. Analyze your chargeback data. Since the chargeback process can be costly and time consuming, merchants should consider it an important priority. Chargeback Reason Coded by Network - 2023 Guide. Thus, the easiest way to prevent chargeback reason code 75 from being. AA Cardholder Does Not Recognize. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. Chargeback Reason Codes and Descriptions. underlying your chargeback. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. If the customer’s story matches. A chargeback happens when a customer requests for a transaction to be reversed. Batch chargeback process. So don’t spend another second worrying about chargebacks. by Colin O'Keefe Apr 16, 2022 Discover Chargeback Reason Codes Explained Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. Here’s how your store can prevent and deal with chargebacks. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. Friendly fraud. A chargeback (otherwise known as a dispute) is a way for your bank that issued your card to reclaim money from the retailer’s bank when you do not get the goods or services you paid for, including if the retailer or supplier. Chargebacks. Chargeback reason codes. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. EMV Liability Shift Counterfeit Fraud. The most comprehensive guide to chargeback reason codes. It can range from 60 to 120 days from the billing date. Type. that the transaction was either approved online by the issuer or offline by the chip. With the right compelling evidence,. American Express is incentivized to keep their customers happy. Depending on the reason code, chargeback disputes may have different time limits. 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. Reason codes are important to help merchants address recurring. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. Visa Chargeback Reason Codes. R13 No Reply. Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. 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. And, each code has unique compelling evidence requirements if you choose to fight. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. 6 may be able to represent the transaction and reverse the chargeback with the right. MasterCard chargeback reason code 4540. 2 Compliance CasesAbout American Express chargeback reason codes. Response The new reason codes follow a format of two digits, a period, then a third digit. Card Brand Code Description Days to Dispute Dispute Category;. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. 16, 2021. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Make sense of chargeback reason codes using our directory. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. #9. This chargeback occurs when merchants do not adequately provide currency information. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Reason Code UA06 Category Fraud Claim The cardholder possesses a PIN-preferring credit card, but your POS is either not PIN-enabled or allows the shopper to bypass the. The reason codes help merchants understand the reason for particular chargebacks and better tailor their responses to chargebacks. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. Eligible Chargeback Reason Codes . prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. The most comprehensive guide to chargeback reason encryption. FR2 Fraud Full Recourse Program. 4 Section . 350 E Street, Suite 200 Santa Rosa, CA 95404. 6). This may include information about the. Different card networks have different reason code systems. Proof the transaction was card-not-present. Protect stored cardholder data. 10. Respond to invalid disputes. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. A02: No Valid Authorization. ”. 101. 4: . One catch is that CE3. Here’s how your store can prevent and deal with chargebacks. Each card network maintains reason codes to cover all the disputes that qualify for. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. FAQ: What remains Chargeback Representment? TIPS. Fortunately, chargeback reason codes make it easy for merchants to understand the cause of chargebacks. Technical. Typical chargeback reason codes are: DA: Disputed amounts DD: Unearned (disallowed) discount amount Note. All chargebacks start with a customer making a purchase in person, in an app, or online. This category of fraudulent chargeback is represented with the following reason codes: AMEX - C08 Goods/Services Not Received or Only Partially Received. Categories for reason codes have changed over the years, especially because of the increasing number of. pdf), Text File (. The newer system is designed to. Proof that the chargeback is otherwise invalid because it doesn’t adhere to Discover’s requirements. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. This list was generated 5/4/2022. For example, 10. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. This indicates that the merchant didn't respond to an inquiry properly. In most cases, you will have 20-45 days in which to respond to a chargeback. Every chargeback has a reason code associated with it. Written by Jenna Acquaviva. Visa chargeback reason code 75 is filed as an honest mistake. com Europe. Chargebacks, also called payment disputes, occur when a cardholder contacts their bank (card issuer) about a transaction and tries to get them to issue a reversal of funds. 104. Category. 4. Below is a list of Mastercard chargeback codes used in eCommerce. Pro Tip: Prepare a chargeback representment template that you can edit per incoming disputes, and be sure to include. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. 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. 4807 Warning Bulletin File. Most commonly the payer is a consumer. 10. Global chargeback volume topped 615 million cases in 2021, and was estimated to cost merchants nearly $117 billion in revenue. 4 Fraud – Card-Absent Environment:These reason codes are divided into three categories depending on the supposed cause of a chargeback: consumer disputes, processing error, or fraud. 4846. Standard Threshold: Reaching a chargeback ratio of 0. The most comprehensive guidance to chargeback reason codes. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. Fight; Hinder; Recover; Resources. The terminal action codes are in Table 122 of the 4. Read on for the complete guide to dealing with chargebacks. With an eCommerce transaction, 3-D Secure technology works like an online PIN code. 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. 2 Added chapter providing information about the DiscoverA 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. It’s easy to feel overwhelmed by chargebacks. Blog and Articles; Success Stories;. A08 Authorization Approval Expired. 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 Code 03. non_receipt: The buyer claims they didn't get the goods or services. Fight; Prevent; Recover; Resource. 3. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. The cardholder initiates contact with their bank or credit union to file a dispute. To subscribe and learn more about the free online chargeback management system, or contact Chase Paymentech Client Services at 1. The chargeback process starts when a customer (or, less frequently, their issuing bank) challenges a transaction as invalid. The most comprehensive direct toward chargeback reason encryption. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Let’s say you got a Visa chargeback with reason code 13. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. paper processing and mailing costs. 10. 3? Visa chargeback reason code 13. Let's Talk (833) 643-6387. April 2018_Chargeback Reason Code Encyclopedia. For each reason code, a definition is Chargeback Chargeback reason codes can be confusing, especially since each >> card network has their own designations. 2 Authorization Your for Original. Although, this fraud detection tool works after the transaction has come completed. 102. 4853 – Cardholder Dispute – Goods or Services Not Provided. MasterCard - 4855 Goods or Services Not Provided. The reason_description field lists the chargeback reason. 4 applies to eCommerce, whereas code 10. A new 4 byte reason code will be used moving forward. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback. It’s important to note that chargebacks can occur for reasons such as disputed transactions, insufficient funds, and duplicate transactions. Click the Update Chargeback link to edit the chargeback details. 2: No Authorization Legacy Code: 71. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. Updated August 23, 2023. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. 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. These reason codes are divided into three categories depending on the supposed cause of a chargeback: consumer disputes, processing error, or fraud. Then you can research the transaction to see if the chargeback appears to be valid or not. Even though these codes are not detailed enough, they are crucial when it comes to successfully preventing and fighting chargebacks. Other Fraud—Card Absent Environment. Using the same link provided above, contact PayPal to report the scam. If the claim is invalid, the dispute will go no further and no chargeback will occur. When one cardholder initiates a dispute with their issuing bank, a. You can see a reason code 11. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. Step 2: Customer initiates the chargeback – After the customer reviews their credit card statement at the. Search the Chargeback Reason Code Database. Those reasons are explained through the corresponding reason codes. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. 11. Discover Reason Code UA06 – Fraud: Chip and PIN Transaction; American Express Reason Code FR2 – Fraud Full Recourse Program. M49 Vehicle Rental – Theft or Loss of Use. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Visa Chargeback Codes. These reason codes are divided into three categories depending on the supposed cause of a chargeback: consumer disputes, processing error, or fraud. Visa, MasterCard, and American Express all list compelling evidence by reason code. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. 4. AT Authorization Noncompliance . STEP #7: Bank Review & Decisioning. Written over Chargeback Gurus. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. It gets worse. At Visa they used to receive reason code 98. Chargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. 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. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. 3 MasterCard Retrieval Reason Codes. 4. There be dozens of reasons why cardholders and employers dispute transactions. 1 EMV Liability Shift 10. The most comprehensive guide to chargeback reason codes. The codes for each card brand are listed below along with the recommended documentation to provide. 6: Credit not. Noted the roll up of reason codes 41, 55, 59 and 60 into 53 along with 53’s name change Chapter 4 Added invalid chargeback note for AFD for MCC5542 Chapter 4 Noted the roll up of reason codes 41, 55, 59 and 60 into 53 along with 53’s name change Chapter 4 Changed the name to reason code 53 and 59 Chapter 4 Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. A TC40 data claim occurs when a customer makes a fraud claim against a merchant. The following are some examples: Visa Reason Code 13. Proof the transaction was. 4. 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. 0. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. 3. 11. According to Nilson, 56% of global card transactions were done on Visa in 2015. Visa chargeback reason code 11. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. 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 validIn addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. Step 1: The cardholder disputes a charge. Try Shopify free for 3 days, no credit card required. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Chargeback Prevention Alerts Resolve clients disputes speedy before they become chargebacks. Contact ChargebackHelp and we can have you sleeping better at night by improving your dispute protection in very short order. Articles;Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Dispute Reason Code: A specific code associated with the reason given by the buyer for initiating the chargeback. 1: Use the corresponding dates from the invoice. This will be referenced in the chargeback notice you received. Mastercard Chargeback Reason Code 71: Disputed Amount. About Discover chargeback reason codes. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. See the list of reason codes below: Card Network. Discover Chargebacks / Disputes. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. A reason code is an alphanumeric code that explains the reason behind the dispute. Try Shopify free for 3 days, no credit card required. reason_description: string. American Express chargeback reason code C42. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Retrieval: A request initiated by a customer for more information about a charge. 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. FAQ: What is Chargeback Representment?. Reason Code 11. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. This process is called. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. Chargeback reason codes. Discover 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. Learn which strategies to application as you fight and prevent customer disputes over basis code. ’Visa Chargeback Life Cycle. You must tailor your representment case — including the compelling evidence — to the reason code under. Step 2: Customer initiates the chargeback. In most cases, the bank chooses a course of action based on information the cardholder provides. Chargeback Reason Codes. Reason . 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. 5158. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. The most comprehensive guide to chargeback cause codes. Fight; Prevent; Recover; Resources. View the entire list below or search for any reason code. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Chargeback reason codes identify the general reason behind a chargeback. Investigate suspicious orders. Mastercard has plans to follow suit. ”. for chargeback reason code 4863 (Cardholder Does Not Recognize). RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from card• Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. 4867 UA06: Fraud Chip and PIN Transaction: 120: Fraud: Discover: 6050 DC: Dispute Compliance: 120: Authorization: Discover: 7010 UA01:. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. Cardholders and card issuers can place disputes on transactions for a variety of reasons including product returns, defects, cancelled reservations, and card processing errors. There are a variety of issues that can serve as the root causes of a chargeback, ranging from fraud to improper card processing to dissatisfaction with the quality of the goods or services provided. Each chargeback is assigned a reason code that explains the justification for the chargeback. Learn which strategies to application the you battle and prevent consumer litigation by cause code. up under any number of different chargeback . Thanks for following the Chargeback Gurus blog. 0 only applies to reason code 10. WEX began issuing chip cards in Q4, 2020. All chargebacks start with a customer making a purchase in person, in an app, or online. The majority includes leader to chargeback reason codes. Across open networks and include account numbers sent over email, instant messaging, text, or chat. IN Invalid Card Number . Check the chargeback reason code. Chargeback Reason Codes by Network - 2023 Guide. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. Partial Immediate Chargeback Program; NOTE: If you receive one of the above chargeback reason codes and aren’t aware of being in a fraud monitoring program, contact your payment processor. 60 due to merchandise, fees, overhead, and other sources of loss. Discover: Reason Code 4755 Non-receipt of goods or services. Visa Chargeback Reason Codes. Chargeback Reason Codes by Network - 2023 Guide. This can provide important information to fight the dispute. That most comprehensive guide at chargeback reason keys. Visa groups its various reason codes into several broad dispute categories. It depends on the chargeback reason code associated with the dispute. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. Blog and Articles; Success Stories; Chargeback Reason Codes; WASTEBASKET Look-up; eGuides both Reviews;. Even if the. A refund is directly from merchant to cardholder, whereas a chargeback involves the bank and an investigation of the transaction. Before the cardholder can file a chargeback, they must give a reason to their card provider. Learn which achievement to use as you fight furthermore avoid client lawsuits from reason code. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. 1. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. Proof you used Address Verification Service to validate. 634. Written by Chargeback Gurus. Below you can find out what the reason of the chargeback in question is by the card brand. Provide exemplary customer service. Terms and conditions. 1. e above 0. 10/10/16 Updated: Add. M01 Chargeback Authorization. Code UA06 chargebacks are often caused by a fraudster with a stolen credit card targeting a merchant who doesn't have chip-and-PIN compatible payment terminals or convincing a merchant to bypass PIN entry. Each chargeback reason code has specific rules and documentation requirements. Chargeback Reason Codes by Network - 2023 Orientation. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. Examples of compelling evidence that you may submit in response to a chargeback with this reason code include: Proof you submitted the card security code with the authorization request and the issuer authorized the transaction, even if the code was a mismatch or the code wasn’t verified. 9808 info@chargebacks911. If you get a chargeback,. Banks, however, categorize chargebacks or disputes depending on the card used when a chargeback occurs. pdf - Free download as PDF File (. The chargeback process can last from one month to six months. Contact us here or call us at 1. 5. Discover is a credit card network and an issuing bank—just like American Express. 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 A reason code or a chargeback reason code is a string of symbols (numbers and letters). A chargeback happens when a customer requests for a transaction to be reversed.