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. 3 is the less common version for card-present transactions. Automated Clearing House return codes, reasons, and details. This category for scamming chargeback claims is represented with the following reason codes: AMEX - F29 Card Don Presentational. 3 – CBK: Requested/Required Authorization Not Obtained 12. Blog. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback MitigationDiscover uses the four main categories to organize its reason codes: Authorization, Service (Discover’s name for Card Member Disputes), Fraud, and Processing Errors. MasterCard: Reason Code 4859 Services not rendered. 2=1020 etc. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. ; This chargeback can be. The shorthand description is “Warning Bulletin File. Nor is the situation static. R03 Insufficient Reply. For first chargebacks, Mastercard currently only has 9 reason codes in use,. Thus, the easiest way to prevent chargeback reason code 75 from being. Expired Card: Some people hang on to cards longer than they should. While the updates have been published, they do not go into effect until Oct. Reason. Among the information contained in this package is the chargeback reason code. 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. 80. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Chargeback reason codes are an abbreviated way of offering a basic explanation for the chargeback. This chargeback<br />. Transaction can be sent again. To determine the problem, you need to examine customer interactions, transaction details, and business practices. 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. The customer was wardrobing. This return reason code may only be used to return XCK entries. Case Studies. Without 3D Secure Liability shift, it is difficult to challenge the dispute. You may have to temporarily disable or lower the risk score for the Card/bank account holder name contains a non-alphabetic character risk check. The format depends on the credit card company. 2 – CBK: Incorrect Transaction CodeThe chargeback reason code list is a standardized set of codes that are used by credit card companies and banks to categorize the reasons for a chargeback request. Goods / Services Damaged or Defective. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. The Resource Online Reports User Guide (PDF) is a comprehensive manual for the Resource Online modules and reports. 02/10/16 Added Debit Chargeback Reason Codes. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 2 Added chapter providing information about the DiscoverA transaction event code is a five-digit code that classifies the transaction type based on money movement and debit or credit. 4 applies to eCommerce, whereas code 10. Reason Code Description More details Action required; MD06 Disputed authorised transaction Your customer has claimed a refund for an authorised transaction (Core scheme only). Except for Reason Code 75, the time limit is calculated from one of the following: Fraud chargeback reasons. Visa chargeback reason codes, for example, are numerals with decimals. M10 Vehicle Rental – Capital Damages. Chargeback reason code 10. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. With that said, you still need to understand the reason codes with any chargebacks from Amex. P03 – Credit Processed as Charge. Chargeback Reversed. Retrieval Request/ Copy request Reason Codes. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. While deductions may be. Even learning all the terms and rules won’t keep you. 13. 2. Card Brand Reason Code Description. 6 – Credit Not Processed. 4 – Counterfeit Merchandise. 13. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. Reason. b. 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. This code applies when a cardholder claims a charge was unauthorized, and the issuer determined that ALL of the following conditions were met: The transaction took place in a card-present environment. M01 Chargeback Authorization. With so much to cover on chargeback reason codes, it’s hard to do it in a single blog post. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). The client can send Paymentology a list of disputes, using a predefined batch chargeback submission template that has been requested to chargeback. 5%. The terminal action codes are in Table 122 of the 4. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. Protection: Use services that will check the validity of your checks and drafts before you deposit the items. Discover Card Chargeback and Dispute Rules. Stage 1: First Chargeback. How to Prevent. The shorthand description is “Card Recovery Bulletin. P01 – Unassigned Card Number. Chargeback reason code 10. If you believe you have received an ACH return in error, you can contact your bank. 6 – Credit Not Processed. 1 – CBK: Late Presentment 12. Mastercard Chargeback Reason Code 73: Duplicate Transaction. In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Compensation Resolution. During this process, the representative of the institution examines the reasons’ list. To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. Reference these when rebutting cardholder disputes at your small business. Overview. Chargeback Reason Code A numerical code that identifies the specific reason for a chargeback. 1. This reason code indicates that the merchant processed a transaction using the wrong transaction code. 1=1010, 10. If you. Depending on whether the documentation is required or not, Paymentology will submit these chargebacks on the client’s behalf. When a chargeback is filed, a bank selects the code that best fits the reason a chargeback was filed. . A family member used the card without the primary cardholder's knowledge. Each chargeback reason has its own, individual prevention techniques. Card Number: Alphanumeric: The first 6 digits, followed by. Chargeback time frames - A specific period during which a chargeback can be raised. This indicates a transaction was processed using a card that Visa listed as stolen or counterfeit. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. Cause. 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 codes are alphanumeric codes that provide the justification for granting a chargeback. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12,. The Chargeback Reason Code User guide (PDF) is to help merchants understand the different chargeback Timeframes and. 4808: This code can refer to: Account Number Not on File. If you still believe you're in the right, then be prepared for a "fight". The fact that every card network has its own list of reason codes can make figuring out what a particular reason code means a bit complicated at times. 11. 2, it’s simple and straight-forward: The merchant attempts in any way to force, circumvent, or override a declined authorization. So don’t spend another second worrying about chargebacks. The merchant failed to ship the merchandise by the promised delivery date/time. 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. Steps to Prevention. 4: Other Fraud — Card Absent Environment: 10. This code is unique—at least currently—in that Visa has since split it into two separate categories: 12. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. Need more help? Download Reason Code Cheat Sheets Chargeback Reason Codes Discover Discover Chargeback Reason Codes The Discover chargeback reason. A Shopify chargeback occurs when a cardholder contacts the bank about. There are over 50 chargeback reason codes between all the major card brands. But in general, the most common reasons for chargebacks include the following: Fraud:. 100- 140 standards- , and will be removed in future releases. Midigator has created a database of Visa reason codes. C14 – Paid by Other Means. This reason code is accompanied by a fraudulent reason code (UA). 78. CHARGEBACK REASON CODESM10 Vehicle Rental – Capital Damages. 13. The merchant can choose whether or not the reason makes sense and. Chargeback Refund: return by the payer’s bank (e. With that said, you still need to understand the reason codes with any chargebacks from Amex. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 4808 – Authorization-Related Chargeback – Multiple Authorization Requests. There are over 80 unique return codes, and each one represents a different type of return. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. Identify Your Chargeback Triggers. S. About Careers Contact. They usually have up to 120 days after purchase to dispute a charge, though some card schemes allow up to 365 days. The American Express chargeback process begins with Amex issuing a chargeback, along with a reason code to explain the dispute to the merchant. There are two parts to this. Research and familiarize yourself with the specific chargeback reason codes used by your industry or payment processor. But knowing more about your business, knowing where the gaps could possibly be, and. 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. They also prevent acquirers from threatening or punishing merchants with inclusion on the MATCH. View the entire list or search for any chargeback reason code. Request Transaction Documentation for Keyed Card Transaction. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. 30. For a more detailed explanation, as well as a list of Visa’s individual codes, please refer to our guide on chargeback reason codes. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. The following tables list Visa’s Reason Codes and time limits for processing a chargeback. M49 Vehicle Rental – Theft or Loss of Use. This chargeback occurs when it cannot be checked that a valid code was obtained for a transaction at the time of the actual sale. 2. It was originally just one facet of legacy reason code 81. There are several types of Mastercard chargeback reason codes, each with its own unique set of circumstances. Code Reason (for Visa) 10. This is now an obsolete reason code, and issuers have been instructed to use code 4808 instead. 1 - Card Recovery Bulletin; 11. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. Additionally, there are several other reasons you could be on this list related to security, illegal activity, bankruptcy, fraud, or non-compliance. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. F01. You can learn more about each one by visiting the Mastercard Chargeback Guide. The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason. ” Reply By: • Notice Due Date, if applicableChargeback - Unauthorized/Fraud, Item not received (chargeback), Significantly not as described, Credit not processed. For each reason code, a definition is Chargeback Reason Codes. The chargeback process can last from one month to six months. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. Chargeback prevention strategies vary based on the reason for the dispute. Evidence Required. 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. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)Visa specifies 46 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, Consumer Disputes, and Processing Errors. If they don't accept, disputes with reason codes 4808, 4870, or 4871 go straight to Arbitration. Card Recovery Bulletin Authorization Visa Code: 11. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. Good news: Visa is working to improve the chargeback process by altering some of its rules regarding intentional cardholder misuse. Chargeback:{reason_code}: A chargeback with a specific reason code. This section contains a list of codes and messages that the system can return in the response message for a payment transaction. When you get a chargeback, the bank will give you a reason code (see list of reason codes at the end). Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. If you’re using the Online Dispute Management System, you will find the dispute reason codes on both the Level 1 and 2 screens. Knowing these categories helps you further understand the chargeback and identify any problems within your payment solution, customer service, and sales processes. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. Even if the chargeback is later canceled, the merchant will still have to pay fees and administrative costs. View the entire list or search for any chargeback reason code. Below is a comprehensive list of the most common Mastercard chargeback reason codes and their explanations, along with prevention strategies you can implement to reduce the likelihood of chargebacks. ” This reason code is assigned. 7 Violation for Coercion Claim. The shorthand description is “Declined Authorization. [1] Sift. C02 – Credit Not Processed. The key below describes the applicable classification and code structure of. Reason codes. Commonly selected actions include Dispute/Reverse Chargeback or Accept Chargeback. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. 2. 1 – CBK: EMV Liability Shift Counterfeit Fraud 10. 2: Canceled Recurring Transaction, is used when a cardholder claims a recurring transaction was processed illegitimately. Unauthorized returns (R05, R07, R10, R29, R51): 0. As mentioned earlier, the given reason for a chargeback may be far different from the actual reason. When you receive notification of a payment dispute or chargeback you may see a code listed with it. Additionally, one clearing transaction. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. Card Member cancelled, refused or returned goods and/or services 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. The codes also appear on financial reporting associated with disputes. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. 16, 2021. The shorthand description is “Card Recovery Bulletin or Exception File. Often, consumers misuse or intentionally abuse the chargeback process to receive free products, which is commonly referred to as “friendly. Medicare reason codes are 3 digit codes found in processing reports and Medicare benefit statements. There are several types of Mastercard chargeback reason codes, each with its own unique set of circumstances. MASTERCARD. For the most accurate list of reason codes visit the library on our main website here. List of Chargeback Reason Codes. screen . This may be done by either the merchant or the issuing bank. But for illegitimate claims, the reason code doesn’t give the real reason for the dispute. PCI DSS v3. The chart above outlines reason codes for when Walmart is not paying the full amount of an invoice. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for. Here's a rundown of the most common decline codes: 51 - Insufficient funds: At the time authorization was requested, the customer’s account did not have sufficient funds to cover the transaction. The same is true of all chargeback reason codes. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. Transaction Amount: Decimal 0. For example, 'R04' indicates that an invalid account number was. Stripe maps each network code into one of eight categories, based on the general claim and the evidence you need to submit to effectively challenge that type of claim. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Support; Login. Chargeback reason code 10. The Online Chargeback Management guide (PDF) is to help merchants input debit adjustments. This chargeback may be reversed if merchant can. Once you’ve identified the reason for the chargeback, you can investigate the transaction to determine whether or not the chargeback is legitimate. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not Received Non-Receipt of Goods or Services NO YES VISA 41 Canceled Recurring Transaction Cancelled/Returned by CardholderThe post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. 8 – Original Credit Transaction Not Accepted. Code. Recurring billing transactions are a frequent source of conflict, disputes, and. “Wardrobing” is the practice of purchasing an item with the intention of returning it once it has been used for a specific purpose. Learn more about Mastercard chargeback reason. Blog. It should address the Reason Code and allow us a ‘Re-presentment’ right. When claims are rejected, a Medicare reason code provides a brief explanation or reason for the rejection. Nor is the situation static. Looking for Discover chargeback and dispute reason codes? Check this database—Midigator has tips to prevent & fight chargebacks. The ultimate purpose of a chargeback reason code is to explain to the merchant why a chargeback was filed. 4849 – Questionable Merchant Activity – Questionable Merchant Audit Program (QMAP) 4863 – Cardholder Does Not Recognize – Potential Fraud. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case. eCommerce grew too fast for the payments industry to respond. 2 is an updated version of legacy Visa reason code 81, which was phased out under the Visa Claims Resolution initiative. All the major card networks use chargeback reason codes to convey the reason for a chargeback. Each reason code is composed of a two-, three-, or four-digit number. The Visa chargeback reason codings system underwent a major overhaul in May 2018 as part of their new Visa Claims Resolution (VCR) initiative. About Careers Contact. Reason code 12. Ineligible Transaction (International only) 79. Like your chargeback-to-transaction ratio, card networks also monitor your fraud-to-sales ratio. 2 falls under the “Processing Errors” category. For enterprises with tight margins. The merchant processed a random account number and didn't obtain the owner's authorization. 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. 1: EMV Liability Shift Counterfeit Fraud: 10. Dispute Category. 02. 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. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. In some cases, banks must wait a specific amount of time before issuing a chargeback. Chargeback Reason Code. 13. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. UA01 Fraud – Card Present Transaction. These modifiers can range from where the transaction is processed to what kind of goods are purchased. Also, remember that the time frame for your response includes any processing required by the acquirer. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. 3: Goods or services were not as described: C31: RM: 13. 04/09/14 Discover: DC, U02. 1, which covers duplicate processing errors, and 12. Partners. Visa Merchant Official Documentation. There are two types of invalid chargebacks. S. Chargeback Reason Codes Page 2 of 5. Step 2: Customer initiates the chargeback. Reason Code 04. Maestro. Each time a consumer files a chargeback, the merchant is hit with a fee ranging from $20 to $100 per transaction. The following table shows response codes and their meanings for ISO 8583-1987, later versions uses 3 and 4 digit response codes. 100187 and ANSI X9. About Discover chargeback reason codes. Please contact the issuing bank for a specific reason. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. news & updates. It is a valuable resource for anyone involved in the payments industry. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. You can learn more about each one by visiting the Mastercard Chargeback Guide. . 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. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. 2. Visa Merchant Official Documentation. Chargeback fraud cost retailers $125 billion in lost revenue last year alone as the volume of customer disputes continues to rise in line with the rapid expansion of eCommerce and convenient payment options. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. A WORD OF WARNING: MATCH reason codes are not the same as chargeback reason codes. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. With the overhaul of their reason code system, Visa divided reason. The reason codes are grouped into several broad. Code Reason; 01: Requested Transaction Data Not Received: 02:AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. Chargeback Reason Codes List for Visa. e. The merchant failed to ship the merchandise to the agreed-upon location. The shorthand description is “Incorrect Transaction Code. As we touched on earlier, chargebacks can happen due to technical errors. Reason Code 03. Merchant must provide proof of authorization. 4871 – Chip Liability Shift – Lost / Stolen / Never Received Issue. [noun]/* kə • stə • mər • di • spyo͞ot/. Chargebacks with the following reason codes are requested due to fraudulent activity. Discover - RG Non-Receipt of Goods, Services, or Cash. The latest edition of Visa’s core rules (effective April 2023) introduced Visa Compelling Evidence 3. 2. Take the time to note the following dispute reason codes for Visa. American Express, Discovering, Visa. 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. So the company has more incentive to side with customer during cardholder disputes. A service chargeback is filed by a customer, which means that you need to note the card type and dispute reason code so that you can determine which types of information to submit if you dispute the claim. If like most Discover cardholders, your card was issued by Discover Bank, they are the ones you must contact for a Discover chargeback or to dispute a transaction. Mastercard: n/a This chargeback is caused by Authorization. About Visa chargeback reason codes. ©ACH return codes and explanations for R01 – R33 returns. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. 4849 – Questionable Merchant Activity – Mastercard Rule 3. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. Additionally, Amex uses a fifth "Miscellaneous" category. The most comprehensive guide to chargeback reason codes. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. About Mastercard chargeback reason codes. Card-not-present chargeback. FR4 Immediate Chargeback Program. Now, 10. 8 – Original Credit Transaction Not Accepted. Our Most Important Advice for Scam Victims is that to Get Your Money Back You Must File a Chargeback Request Correctly! Here’s more advice for scam victims: If you paid by credit or debit card, it is imperative to understand your rights and the power that’s in your hands. For a list of available reason codes, refer to Dispute reason codes. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. 3 Changed Discover Reason Codes to match what is shown in the UI. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. Banks, processors, merchants, card networks, and third-party vendors all have a role. Visa groups its various reason codes into several broad dispute categories. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. “Credit Not Processed,” the reason code for unreceived refunds, accounted for 12% of consumer disputes at the height of the pandemic. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. Ensure you’ve fully reviewed the chargeback reason code before writing your chargeback rebuttal letter. UA02 Fraud – Card Not Present Transaction. 2022 Visa Chargeback. These codes are currently defined within the ANSI X9. What is Visa chargeback reason code 71? Visa chargeback reason code 71 falls under the “Authorization” category. Notification of Fraud. Additionally, there are several other reasons you could be on this list related to security, illegal activity, bankruptcy, fraud, or non-compliance. Merchants can find a. Each code begins with 'R' followed by a two digit number. Chargeback. 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. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. 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. Chargeback Reason Codes Page 3 of 5. Defense documents should only be supplied if all requirements have been met. Some credit card companies also include a short phrase describing the code. FR6 Partial Immediate Chargeback Program. Fraudulent Transactions (Codes 4800. The merchant processed a transaction the cardholder wasn't a part of. Process reversals and credits promptly. High Level Visa Chargeback Dispute Flow. What are Amex Reason Codes? Every card network features its own list of chargeback reason codes. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. 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. These codes help businesses understand the cause of chargebacks and how they can prevent them in the future. A reason code is how banks categorize the reason for a chargeback. Partners.