15, 2021. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. 4871 – Chip Liability Shift – Lost / Stolen / Never Received Issue. National Payments Corporation of India Confidential Page 6 of 164. 8 Added American Express chargeback information Chapter 3 1. 1: Use the corresponding dates from the invoice. We say the given reason because it may or may not reflect the true reason. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. Mastercard Chargeback Reason Code 73: Duplicate Transaction. That’s 50% more time than what the major card networks allow. 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 Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. This chargeback reason code was retired by Visa in April 2018. A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. It is very important to ensure you have the correct code associated with your chargeback otherwise the request will be denied. 1001 - Cardholder does not recognize the transaction. 4853 Cardholder Dispute. 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. Table A-1 shows all possible values for the <response> and <message> elements. You should code appropriately to handle all codes applicable to the transactions you use. UA02 Fraud – Card Not Present Transaction. This provided a number of insights into the typical causes of subscription chargebacks by industry: Computer Software : Cancelled Services was the most common chargeback reason code, which is troubling because these should be easily avoidable disputes. 4 falls under the “Processing Errors” category. legitimate duplicate processing chargeback, do not issue a direct credit to the cardholder - the credit will automatically be applied. he goes on to say he is missing 34 bottles which adds up to a. Some payment service providers like PayPal and Stripe have their own reason codes as well. 1 EMV Liability Shift 10. All 1. The terminal action codes are in Table 122 of the 4. There are over 80 unique return codes, each representing a different return type. 2=1020 etc. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. Other reason codes address entirely understandable reasons for cutting a. Chargeback prevention strategies vary based on the reason for the. Receive the Chargeback. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. • Rule changes for chargeback reason codes involving unjust enrichment associated with credits issued before or after a chargeback and/or after a second presentment. Chargeback /Dispute; Merchant Response. Each card issuer follows their own standards for defining reason type, code and its format. . 11/03/15 Updated these MasterCard Chargeback Codes: 08, 12, 31, 34, 42, 53, 55, 59, 60, 70, 71. Code Description; 30: Services Not Provided or Merchandise Not Received: 41: Cancelled Recurring Transaction: 53:. Below are some examples of more common reason codes. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. The following tables show the Stripe categories for each card network’s dispute reason codes. For example, a shopper bought some goods and paid for these on the 14th of October 2017: this is the date that appears as the Disputed date. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. Administrative returns (R02, R03, R04): 3%. American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. Services industry for image exchange and the creation of IRDs. This reason code indicates the cardholder had reason to believe they were going to receive a refund, but no credit to their account has been processed. This Chargeback Reason Code has to do with all. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. ” This reason code is. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. This code helps you identify the exact cause of the dispute. Some payment service providers like PayPal and Stripe have their own reason codes as well. Each bank card network has its owner list of reason codes banks must prefer from. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. . Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. ”. FR2 Fraud Full Recourse Program. 1=1010, 10. Reason Code: Numeric: Code for the chargeback request (see below). Both EFM and ECM measure compliance at the MID level. 25%: 0. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. The chargeback reason code is important in determining the evidence you need to provide to successfully win the chargeback dispute. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. 00: The amount of the transaction. On xx/xx/xxxx, we received a chargeback under the reason code 11. The functionality of the Activity Report presented in greater detail on pages 34-48 in the following guide:. We’ll Handle the Chargebacks. 06%: 1. . As we touched on earlier, chargebacks can happen due to technical errors. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Below is a list of Mastercard chargeback codes used in eCommerce. 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). What is Visa chargeback reason code 12. Additionally, one clearing transaction. The chargeback can be for the total transaction amount or a lesser amount. Complicating things further, friendly fraud doesn’t provide you with any red flags. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. They can also be caused by a merchant failing to process a cancellation promptly. 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. S. Card networks send these. What is Visa chargeback reason code 13. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. 1 - Late Presentment. Unlike other. Specify the invoice date and net due date to assign to chargebacks. Chargeback Code Authorization Errors; A01: Charge Amount Exceeds Authorization Amount: A02: No Valid Authorization: A08: Authorization Approval Expired:. 1 – EMV Liability Shift 10. Fight Chargebacks & Recover. The main chargeback reasons look like this: Malicious fraud. There are also a series of dates: Disputed date - This is the date the transaction in dispute took place. 6 General update and rebranding. Step 1: Identify the Source. The shorthand description is “Goods/Services Damaged or Defective. A reason code is how banks categorize the reason for a chargeback. Chargeback reason code 10. Chargebacks911® can help your business manage all aspects of chargeback reason codes, with proprietary technologies and experience. Try Shopify free for 3 days, no credit card required. It’s easier to contact their card issuer and file a chargeback—no need to go to you. The shorthand description is “Late Presentment. . and the last 4 digits of the card number. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. (Reason Code 4850) > Arbitration Case Filing-For Chargebacks Initiated On or Before 16 April 2020. The same is true of all chargeback reason codes. Respond to invalid disputes. Reason codes vary by card brand. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Discover Chargeback Reason Codes Explained. 196 ‹” Chargeback Reason Codes… !ó Retrieval Reason Codes… Í Sheet3š š £ £ Œ ® ;H Á Á Õ8 ü ! À Mastercard Reason Code Description Time Frame Retrieval Required 01 Yes 02 07 No 08 12 31 Transaction amount differs 34 Duplicate Processing 35 37 No Cardholder Authorization 40%Fraudulent Processing of Transactions 41 Cancelled. ”. These codes are established by the payment brands to categorize the incoming dispute requests by reason. It may also be used if the. This code is now obsolete, and issuers have been instructed to use code 4834 instead. “Visa has 28 different reason codes. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Review your credit card processor’s policies to understand its chargeback dispute process. This ranges anywhere from roughly 60 to 90 days after purchase. 100187 and ANSI X9. 4: Other Fraud–Card-Absent Environment. Each major credit card company has its own list of chargeback reason codes that describes the chargeback. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingPlease note that the most common Chargeback reason code for Allocation disputes is 10. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. France saw a drop of roughly 50% during the same period. 2 Added chapter providing information about the DiscoverAs both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. . Chargeback Code Authorization Errors; A01: Charge Amount Exceeds Authorization Amount: A02: No Valid Authorization: A08: Authorization Approval Expired: Chargeback Code: Type: Fraud: F10* Missing Imprint: F14* Missing Signature: F22: Expired or Not Yet Valid Card:Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. 60 due to merchandise, fees, overhead, and other sources of loss. Reason Code 12. What is Visa. See more04/04/16 Added American Express Chargeback and Retrieval Reason Codes. Look below the surface. The shorthand description is “Goods/Services Returned or Refused. Use order validation and prevention alerts. Always ask for authorization regardless of the transaction amount. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet. Chargebacks are something every business wants to avoid, as they can. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. ”. Let’s say you got a Visa chargeback with reason code 13. Remember that you generally have one chance to issue a chargeback so you. Then, the crook attempts to trick the victim into disclosing personal account information (account number, routing information, SSN, etc. 03%: AP: 21: 1. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. Specify the default reason code that you want the system to assign when you enter a chargeback amount. The assigned chargeback reason code outlines why a customer submitted the dispute. . There are two parts to this. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. Issuer Review; Allocation. So don’t spend another second worrying about chargebacks. 26: Outcome: Type: String; Unique: No; Blanks: Yes; Max. #9. Reason Code. Reason Codes: 24 / 25 / 30 / 34 / 59 / 82 Cardholder denies making CARD PRESENT transaction Make sure all transactions are magnetically swiped or imprinted. It is subject to change and may not include every currently known dispute reason code. visa chargeback guide 2021. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. A new 4 byte reason code will be used moving forward. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. 1? Visa chargeback reason code 12. To submit your documents to Wave, use the link in the chargeback notification email, or reply to the email. This code applies when either the transaction was processed using an incorrect account number, or the transaction itself was not authorized. The cardholder withdrew their chargeback: Provide a letter or email from the cardholder that states. Table A-1 shows all possible values for the <response> and <message> elements. There are over 80 unique return codes, and each one represents a different type of return. Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment) 0: CAVV authentication results invalid - no verification performed: CAVV data not properly formatted Use standard authorization criteria with Issuer retaining chargeback rights: 8Visa Chargeback Reason Codes. 2022 Visa Chargeback. What is Mastercard chargeback reason code 4853? Mastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. Now, compliance cases must be submitted through Visa Resolve Online (VROL). 3? Visa chargeback reason code 11. 34 Chapter 2: Dual. This will be referenced in the chargeback notice you received. Chargeback Reason Codes List for American Express. This code indicates that the cardholder claims not to have agreed to a currency conversion that took place. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. Chargebacks—Maestro POS Transactions—added information to the section, Proper Use of Intra-European Message Reason Code 4808, about theThe standard chargeback process involves eight steps: Retrieval request: The card-issuing bank requests that the acquiring bank provide additional information for a given transaction. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. Message. 3. 46 Reason Code 74: Late Presentment. Discover uses unique codes to explain those reasons to merchants. Using the same link provided above, contact PayPal to report the scam. Region Only) 4855 Goods or Services Not Provided. Also, just like American Express, Discover functions as both a card network and an. American Express chargeback reason code C42. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. Required Authorization Not Obtained. As soon as a customer requests a chargeback, their bank will reach out to the business’s bank and give them a heads-up that the chargeback has been requested. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. The claim often, but not always, involves automated teller machines (ATMs). 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). Forensic Cryptocurrency Investigation Services. ”. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. “Visa has 28 different reason codes. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. 3 - Incorrect Currency . The list of chargeback reason codes in this article is organized by card brand and type of dispute. 3. You can see the reason code for the dispute in the Dispute page. Payment Transaction Response Codes. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. Ensure you’ve fully reviewed the chargeback reason code before writing your chargeback rebuttal letter. There are plenty of reasons as to why this would happen, hence the many. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. 4849 – Questionable Merchant Activity – Questionable Merchant Audit Program (QMAP) 4863 – Cardholder Does Not Recognize – Potential Fraud. Chargeback reason code 12. A chargeback can happen when a customer initiates a transaction dispute. 2 EMV Liability Shift. Suspected fraud is a common reason, as is insufficient funds in the cardholder’s account. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. The merchant did not receive any returned merchandise. Dispute Reason Code: A specific code associated with the reason given by the buyer for initiating the chargeback. For example, Mastercard has a code which indicates a ‘consumer dispute. Acquirer Use of Message Reason Code 7623. UA02 Fraud – Card Not Present Transaction. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. Most reason codes apply to any merchant, regardless of what’s being sold. When one cardholder initiates a dispute with their issuing. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. The actual underlying cause of this chargeback is. Either the acquiring or issuing bank could initiate the. mastercard chargeback reason code 37. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. . 4846. Mastercard chargeback reason code 4871 is one of the numeric labels assigned by banks to customer disputes, indicating the given reason for the claim. Which is meant to know the reason for the dispute. Chargeback reason codes have changed. Not remembering the original purchase. Use clear and consistent billing descriptors. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. 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. Vantage HouseUse fallback options—like manually entering transaction data—as a last resort. M01 Chargeback Authorization. Card authorization refers to the actual notification received by a merchant. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingA 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. 7 Updated format All 1. Merchants who believe they have received an invalid chargeback under reason code C05 may are able to represent the transaction the reverse the chargeback with the right compelling evidence. Now, compliance cases must be submitted through Visa Resolve Online (VROL). 1: goods not received. NOTE: Domestic Processing Violations are not a covered reason under new Visa chargeback codes. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. Solutions. R13 No Reply. 4 is an updated version of legacy reason code 77, which was phased out under the Visa Claims Resolution initiative. Code 34 – will be renamed 'Point of Interaction Error' and will be used for the following issues: 31 Transaction amount differs; 34 Duplicate processing; 42 Late presentment; 46 Correct transaction currency code not provided; Issuers have the option of using the existing chargeback reason codes or the renamed code covering a variety of issues. 11/03/15 Updated these MasterCard. Select a tab to see the possible. If using any other currency than this, it should be equivalent to the specified amount. Chargeback Reason Code. And. Understanding these codes is essential because they'll guide your response strategy. This reason code is used when the cardholder claims that a transaction charged to their account was actually supposed to be a credit. While the format of chargeback reason codes. Why did I get a chargeback with Mastercard Reason Code. 4870 – Chip Liability Shift. The merchandise was as described or was not defective. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. Below is a full list of reason codes that require compelling evidence: 37; 83; 1040; 1310; 7030; C08; F29; UA02; Empty reason codes; If a dispute has any other reason code, there are no specific evidence requirements, and the evidence does not need to be categorized. What is American Express chargeback reason code F30?. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. Either the acquiring or issuing bank could initiate the chargeback. This code is used when the cardholder claims that they returned merchandise, but the merchant did not provide them with a refund or replacement. The chargeback reason code. message. ; Resources. At Visa they used to receive reason code 98. For merchants, the deadline to respond is 30 days for Visa chargebacks and 45 days for Mastercard chargebacks. This can provide important information to fight the dispute. com. 7: Defective goods and services: C32: RM: 13. 26: Outcome: Type: String; Unique: No; Blanks: Yes; Max Length: 3000 characters compliance process depending on whether a chargeback right exists. ; Help Center Find answers to common questions about Midigator’s technology,. The Merchant Reviews the Partial Chargeback Claim. Mastercard chargeback reason code 4846 falls under the “Point-of-Interaction Error” category. Department of the Treasury publishes Check 21 Return Codes. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. 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. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. This code tells you why the customer or bank initiated the dispute. Different systems are used to reverse purchases based on these codes. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. 4. Click on “report a problem” and select the transaction in question. The transaction was refunded prior to the initiation of the chargeback: provide proof of refund. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. Each card issuer follows their own standards for defining reason type, code and its format. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. Legacy code as currently displayed in the AWC. The aim of CE 3. The shorthand description is “Credit Not Processed. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how. And most go about it indirectly. While the updates have been published, they do not go into effect until Oct. 3: Goods or services were not received: C08: RG: 4855: 13. The right to dispute a transaction is a federal law in. 4860 Credit Not Processed. Only an issuer can initiate the chargeback process. The customer is claiming that this purchase was not authorized. Accidents happen, and it’s. The reason code. Multiple Authorization Requests. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. . *These networks do not have specific reason codes assigned to dispute; however, any retrieval that is received without a reason code will be assigned a default code of 1. 00. Step 4: Card Network Collects Dispute Information. MasterCard chargeback reason code 4540. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. Here are some chargeback reason codes by card type. Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. 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. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Once you receive this notification, you have 11 days to submit a response. If the order was genuinely not as described, then the cardholder has a case. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. With the right compelling evidence,. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. ©The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. All ACH return reason codes consist of the letter “R” followed by two. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Mastercard uses a four-digit numbering scheme for its chargeback reason codes. Depending on the chargeback, the required evidence might consist of transaction receipts, particular authorization response codes, proof of delivery, correspondence with the customer, or any number of other specific documents. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. You electronically sent the same transaction capture batch to your card processor more than once. Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet. Specify the invoice date and net due date to assign to chargebacks. Choosing what compelling evidence to submit. Cardholder-Activated Terminal (CAT) 3 Device. Date Option. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. Please see the below “cheat sheet” for the new 4 byte reason codes. Code 4807: Fraudulent Card-Present Transaction. Chargeback Reason Codes: Alphanumeric codes issued by banks to categorize the reasons for chargebacks. Customers cannot dispute pending credit card transactions; they have to wait for it to actually post to their account before they can initiate a dispute. 3 –. Your firm needs to embrace a customer-centric approach focused on transparency and. If the merchant has a signature showing that the order was delivered, or evidence that the. Chargebacks. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. Reason code 83 represents a chargeback categorized as. If you accept credit cards, you accept that some customers will request refunds. Different card networks have different reason code systems. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)You can see a reason code 11. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. With that said, you still need to understand the reason codes with any chargebacks from Amex. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. By entering your email, you agree to receive marketing emails from Shopify. mastercard chargeback reject codes. The following chargeback reason codes are related to EMV: Visa: 10. 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. 2 chargeback if you override a declined, referral, or pickup authorization message, but process the transaction anyway. Here are some chargeback reason codes by card type. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested. A reason code will be provided.