00 EUR as a Withdrawal fee. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. This code applies when a cardholder disputes a charge, and the merchant is informed by the processor that there is a problem with the transaction currency code. 1. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The basic knowledge in this section provides you with a conceptual framework for the policies and procedures that you must follow as a Visa merchant. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. 7 can be disputed, but it’s much more efficient to take a proactive stance. United States; 18167 US Highway 19 N; Clearwater, FL. Visa Chargeback Reason Code 10. Card-not-present chargeback. The list of chargeback reason codes in this article is organized by card brand and type of dispute. The issuing bank reviews the information. 4 – Counterfeit Merchandise. Below is a list of Mastercard chargeback codes used in eCommerce. The short answer is “no. . About Visa chargeback reason codes. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. 0 standard that has specific defense requirements for chargebacks with this reason code. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. It was originally one of several possible scenarios covered by legacy Visa reason code 83. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. 2. This list was generated 5/4/2022. Thus, the easiest way to prevent chargeback reason code 75 from being filed is to use a billing descriptor that is easily recognizable. 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. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Chargeback reason code 13. 8. 4: Fraud—Card-Absent Environment. Visa is planning to shake up the chargeback process with new compelling evidence rules for fraud disputes with Reason Code 10. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. If merchants use the API, they can submit the new reason codes and their descriptions. Visa Chargeback Reason Code 85. Which fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. Unlike Mastercard, though, Visa chargeback timeframes start the day after the transaction was processed. That’s a lot of money moving around… but how exactly does it happen?Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. com. 0 represents the first rules change of its kind that specifically provides merchants with the opportunity to reverse the fraud status applied to a transaction associated by reason code 10. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 3 Other Fraud – Card Present Environment 83(1) 10. Find out the most common. 12. Payment Capture. 2 falls under the “Processing Errors” category. One catch is that CE3. Visa uses the four main categories to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes),. 5 Visa Fraud. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. 6 – Credit Not Processed. The bottom line: 3-D Secure 2. Chargeback alerts allow. The Visa chargeback reason codes take the form of two digits followed by a dot followed by a single digit. Visa Chargeback. When a card is declined, it is in your best interest to accept that answer and either cancel the transaction or ask for a different form of payment. Visa Chargeback Reason Code 13. 4 Other Fraud – Card Absent Environment 93(1) 10. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback. Criminals obtain personal card data using a variety of methods, but the end results are predictable: the cardholder learns of the fraudulent transactions and files a chargeback. The latest chargeback rules set by Visa are the answer to the current fraud and chargeback landscape. Which is meant to know the reason for the dispute. This type of chargeback reason could be named differently across the different card schemes (some examples: Visa 10. About Visa chargeback reason codes. The Discover chargeback reason codes list is just as extensive as the other major US card schemes, despite being the youngest and smallest of the four. In contrast, an AFT is basically the inverse of an original credit transaction, or OCT. Evidence for Dispute Responses When Under VFMP. ”. 5 – Visa Fraud Monitoring Program. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. 1: Card Recovery Bulletin: 11. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. About Visa chargeback reason codes. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. The situation described by Visa chargeback reason code 13. Chargeback reason code 12. 5 is an updated version of legacy reason code 93, which was phased out under the Visa Claims Resolution initiative. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. 6. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. The fact is, that this type of reason code is typically harder to fight than other types of chargebacks. 5, and you're entered into the Visa Fraud Monitoring Program,. 6 is an updated version of legacy reason code 82, which was phased out under the Visa Claims Resolution initiative. This is what we mean by “compelling evidence. 4 | Mastercard Reason Code 4837. 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. . One of three things will happen: The issuer rules in your favor: Your representment case validates the original transaction. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Four reason codes have modified time frames: Reason Code 10. Learn how Visa chargeback reason codes work and what they mean for merchants who accept Visa cards. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Declined Authorization Authorization Visa Code: 11. About Visa chargeback reason codes. 3DS1 is less secure, less effective, and incompatible with the way consumers shop online. S. Many of the card numbers that fraudsters buy will be invalid. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. About Visa chargeback reason codes. 5 Proven Tactics to Win Chargebacks as a Merchant. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback. Each of these causes has a designated “reason code,” and banks assign the appropriate code. 6 – Credit Not Processed. Note: Fraud is generally the most common chargeback dispute reason. This chargeback reason code applies when a merchant processes a transaction without using the magnetic stripe or EMV card chip data, and the cardholder claims that they did not participate in the purchase. The following Visa chargeback code maps are organized by category, as defined by Visa. Every chargeback has a reason code associated with it. Discover: Reason Code 4755 Non-receipt of goods or services. About Visa chargeback reason codes. Say Goodbye to Chargeback Fraud with Our Ultimate Prevention Guide. 4. Visa Fraud Monitoring Program: Authorization: 11. 1=1010, 10. 1 falls under the “Processing Errors” category. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. Chargeback reason code 10. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. Chargeback Reason Code Users LeaderFewer chargeback reason codes. There are some exceptions on the cardholder’s side, though. 4. The first two digits indicate which category the reason code falls under:. ”. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. Specifically, the ones with the reason code 10. 5 – Misrepresentation. Use fallback options—like manually entering transaction data—as a last resort. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. Visa Dispute Reason Codes. The merchant resource library contains in-depth information designed to help Visa merchants navigate acceptance, fraud, data security, authorisation and more. 9 – Non-Receipt of Cash or Load Transaction Value. A recurring transaction is a payment card charge that automatically reoccurs on a. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. Visa Reason Codes. [noun]/* fren • dlē • frôd • /. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. 4: Other Fraud – Card-Absent Environment in April 2023, in an effort to lower the rate of friendly fraud. Fraud Reason Codes Current Reason Code New VCR Reason Code 62(2) 10. Whether your chargeback is based on fraud or a consumer dispute, you need to file your claim under the appropriate reason code. What is Visa Reason Code 13. DCC-Related Reason Codes DCC-related chargebacks fall under Mastercard Reason Code 4834: Point-of-Interaction Currency Conversion. 2 - Incorrect Transaction Code: The wrong transaction code was used. ”such chargebacks—in the form of any declarations and Member Message Texts—so the acquirer can correctly identify the issuers’ use of chargeback Reason Code 62, Condition 2. The dispute timeline can be based on one of two start dates. Midigator has created a database of Visa reason codes. Now, 10. 6? Chargeback reason code 13. Reason code: Explanation: 12. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Going back to our Reason Code C08 response, there are two modifiers that affect the evidence presented. This chargeback occurs when merchants do not adequately provide currency information. Merchant must provide proof of authorization. Find out the timeframes for Visa chargeback resolution, the merchant required documentation, and the re-presentment rights. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. Visa chargeback Reason code 85 is applied when issuing bank gets a notice from card owner that merchandise was return, but merchant hasn’t refunded, and credit hasn’t appeared on bank statement. 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. 13. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Mastercard chargeback reason code 4871 is one of the numeric labels assigned by banks to customer disputes, indicating the given reason for the claim. Chargeback reason codes don’t always tell the full story. Updated Visa Reason Codes. The Visa Fraud Monitoring Program, or VFMP, is a merchant compliance platform aimed at identifying and tracking merchants that receive too many chargebacks with “fraud”-related reason codes. In order to identify the reason a customer disputed a charge, it can be helpful to examine the reason code on the chargeback. 1 – Other Fraud – Card Recovery. Disputes with this reason code are still limited to a 120-day filing window. 4 billion online transactions every year, representing clients in 87 different countries. Issuer Review; Allocation. 5 Visa Fraud Monitoring ProgramEach card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Prevent chargebacks. a bank, credit union, etc. What is a reason code? 3. 0 initiative to update compelling evidence requirements for dispute reason code 10. The chargeback process can last from one month to six months. It depends on the chargeback reason code associated with the dispute. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. In fact, the same thing could be said of other chargeback reason codes, too. American Express. Chargeback reason code 10. The claim often, but not always, involves automated teller machines (ATMs). Visa chargeback reason code 12. 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. Chargeback reason code 4853 can be used to indicate disputes in which the cardholder feels that the actual merchandise received (or service provided) differs greatly from the written or verbal description provided at the time of purchase. Visa users can file a chargeback within 120 days of the date the transaction was processed, for most reason codes. 2, which specifically deals with. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. It comes into play when customers assert non-receipt of goods or services. Other reasons for a “not as described” chargeback can include merchandise that was damaged or defective. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 10. 1: Merchandise/services not received Visa uses this reason code when a customer claims they didn’t receive the goods or services they ordered from your business. With the overhaul of their reason code system, Visa divided reason. Certain reason codes require specific pieces of evidence to be provided in order to remedy a dispute. 6. 2 is an updated version of legacy Visa reason code 76, which was phased out under the Visa Claims Resolution initiative. In short: capture is the point at which you get paid for a sale. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. 3 (no authorization) for the difference between any final transactions that exceed these limits. Under the legacy Visa Chargeback system, there are 22 chargeback reason codes (And remember, this is just for Visa. Friendly fraud occurs when a customer accidentally or deliberately files a chargeback on a legitimate transaction, instead of trying to first obtain a refund from the merchant. The situation described by Visa chargeback reason code 13. The most common Visa Reason codes include 10. 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. Chargeback reason code 4853 can be used to indicate cases involving hotels or other temporary lodging establishments where a customer claims that the hotel charged an undeserved fee to the cardholder’s bill. Reason codes are very crucial to assist. 1 - Late Presentment: The transaction wasn’t sent to Visa within the time limit. American Express has its own set of chargeback reason codes, and they refer to situations that correspond to Visa and Mastercard reason codes you may already be acquainted with. However, they must generally wait 15 days after the processing date before they can file a dispute on behalf of the customer. Card Network Reason Code Detail; VCR Dispute Reason Code 10. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCardReason. Visa. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. 13. 2, which specifically deals with. This code applies when Visa notifies the issuer of a transaction that was identified by the Visa Fraud Monitoring Program (VFMP); one not successfully disputed under another reason code. Like other networks, Visa has its own set of chargeback reason codes. When a chargeback request is filed a chargeback reason code is assigned to the claim. From mid April 2023, Visa will enforce the Visa Compelling Evidence 3. Codes submitted via API are reflected in the AWC and Datamart. Dispute Condition Description Dispute Condition Code Category Code Category Code Description; EMV Liability Shift: 10. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. 0 initiative to update compelling evidence requirements for dispute reason code 10. Fraud (10)& Authorization (11)Chargeback Reason Codes List for Visa. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 1, which covers duplicate processing errors, and 12. 4: Other Fraud–Card-Absent Environment. 5: Visa Fraud Monitoring Program: 11. 2: Declined. The shorthand description is “Declined Authorization. 5 under Visa Claims Resolution). 2 Other Fraud – Card Present Environment 81(1) 10. But if RDR receives a dispute about a Visa card transaction, it will instead consult the ruleset provided by the. Chargebacks911® can help businesses manage all aspects of chargeback reason codes, with proprietary. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. While Apple Cash transactions are ineligible for conventional disputes, you can dispute Apple Card transactions. Get of Visa’s current reason codes were condensed into four key groupings: fraud, authorization errors, processing fault, and my disputes. Then there are the reason codes that apply to merchants who are unable to keep up with the unrelenting barrage of chargebacks and fraud attempts that e-commerce companies of today are constantly dealing with. Nor is the situation static. Visa Fraud Chargeback Reason Codes 10. Reason Code ≠ Reason 4. Thanks for following the Chargeback Gurus blog. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Many subscription payment disputes are made under code 13. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. Chargeback reason code 10. Reason code 53 is typically used when a. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment) 2. 1. What is Visa chargeback reason code 11. 7: Invalid Data. Visa Chargeback Reason Codes;. 2 Chargebacks: Prevention and Response. This code is unique—at least currently—in that Visa has since split it into two separate categories: 12. Now, compliance cases go through Visa Resolve Online (VROL). Processing Errors. 10. 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). Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. 1: Card Recovery Bulletin: 11. For example, the merchant bills the cardholder in installments. In April 2018 Visa made a major overhaul to the taxonomy and organization of chargebacks, which they now refer to instead as disputes. List of Chargeback Reason Codes. Chargeback reason code - A numeric, custom way to explain the reason of raising a chargeback specific per Card Scheme, e. While retrieval requests are not chargebacks, they traditionally precede a chargeback. The reason code may not reflect the true reason for the chargeback. 3 is an updated version of legacy reason code 76, which was phased out under the Visa Claims Resolution initiative. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Information included in these reports can include: Merchant information, including name, location, MCC. 6 is an updated version of legacy reason code 82, which was phased out under the Visa Claims Resolution initiative. Merchant processed transaction below floor limit without 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 valid. ”. 4 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. The issuing bank assigns each dispute a code according to the consumer’s claim. 12. Merchants can deflect first-party disputes or reverse ensuing chargebacks by tying cardholders to their purchases by capturing transaction data, aka “compelling evidence. Visa Chargeback Reason Code 13. Goods / Services Damaged or Defective. 4. The major card networks (Visa, Mastercard, Discover, and American Express) established these codes to clearly identify the reason a chargeback was. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. . Before VCR, Visa reason codes were two-digit numbers that often seemed like they were assigned completely at random. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. Each card network — Visa, Mastercard, American Express, and Discover — defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. 6. Under Visa’s previous chargeback rules, merchants could contest a reason code 10. Loss, Theft, or Damages chargebacks, for example, formerly fell under legacy. All Mastercard chargebacks (except reason codes 4808, 4870, 4871, and 4834) All Visa collaboration disputes The following is a high-level overview of the process used in these situations. The term "counterfeit fraud" refers to specific chargeback situations defined by Visa Reason Code 10. Subscribe to newsletters. A new representment right to provide compelling evidence for specific chargeback reason codes. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. ” You can find more details about compelling evidence in this post. This code applies when customers claim they never received the merchandise or services they purchased. 6. Feel free to submit topic suggestions, questions or requests for advice to: win@chargebackgurus. reason code information. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. If the merchant has a signature showing that the order was delivered, or evidence that the. Velocity checks (sometimes referred to as “velocity limits”) are a fraud prevention mechanism widely used by eCommerce merchants. 196Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. If the cardholder bases the claim on false or misleading statements, it is considered friendly fraud. If the dispute is invalid, provide documentation that proves the reasoning: the merchandise cleared the merchant’s customs but is being held by the customer’s customs agency, the dispute amount includes the cash-back portion of the transaction, or the dispute is for a purchase made at an automated fuel dispenser. Visa and Mastercard each use their own set of chargeback reason codes. This code applies when customers claim to have a receipt from either a voided transaction or a credit, but the transaction hasn’t been processed. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. Chargeback Reason Codes. Mastercard chargeback reason code 4808 is one of the numeric labels assigned by banks to each customer dispute, indicating the given reason for the claim. 3 - Incorrect CurrencyPlease note that the most common Chargeback reason code for Allocation disputes is 10. In this article, you’ll learn the key takeaways for merchants: Visa standard chargeback regulations; 3 most common Visa dispute reason codes; New Visa mandate Compelling Evidence 3. 4 Funding Process. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. First, 3-D Secure is an “opt-in” program. Chargebacks911® offers the industry’s only data-driven, fully managed solution for chargebacks. 2 Added chapter providing information about the DiscoverTC40 is the name of the report that issuing banks send to Visa to report fraudulent transactions as part of its Risk Identification Service, and SAFE ( System to Avoid Fraud Effectively) is Mastercard’s analogous fraud monitoring program. The Visa Fraud Monitoring Program, or VFMP, is a merchant compliance platform aimed at identifying and tracking merchants that receive too many chargebacks with “fraud”-related reason codes. ACH return codes are a type of shorthand for specific information concerning the return, much like the. . Fraud Reason Codes Current Reason Code New VCR Reason Code 62(2) 10. 7 – Cancelled Merchandise / Services. Please see the below “cheat sheet” for the new 4 byte reason codes. The term "counterfeit fraud" refers to specific chargeback situations defined by Visa Reason Code 10. compliance process depending on whether a chargeback right exists. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. For example, 10. Chargeback time limits vary depending on the reason for the dispute. Chapter 1: All about chargebacks; Chapter 2: Average chargeback rates; Chapter 3: Chargeback Reason Codes Guide; Chapter 4: American Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Reason Codes; Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8:. From a merchant’s perspective, the greatest asset offered by 3DS is protection against liability in the event of fraud. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. 5: The chargeback under normal situations should be executed in under 120 days in all religions other than US Domestic. What follows is a quick reference guide for all the current reason codes for each of the four. The dispute timeline can be based on one of two start dates. What is Visa chargeback reason code 11. The claim the cardholder is making here is that they did not authorize the transaction and are alleging their card was used fraudulently or that the merchant pushed a transaction through without. Visa Chargeback Reason Codes are divided into six general groups, with 22 subcategories (codes): 1. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. ; Resources. 13. 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. the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date) However, if the customer returned merchandise or. 0. 1. 1 is an updated version of legacy reason code 74, which was phased out under the Visa Claims Resolution initiative. 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. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Reason Code 53: Not as Described or Defective Merchandise. 5 can be disputed. 5 is part of the updated Visa reason codes that were phased out under the Visa Claims Resolution initiative. This scenario applies when the arbitration was raised by either the. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback. ; This chargeback may be reversed by supplying information such as the method and date when the authorization code was obtained or evidence that a credit was issued. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. According to Visa, issuers will continue to be liable for transactions up to these limits, and can therefore initiate disputes under chargeback reason code 11.