Card Member cancelled, refused or returned goods and/or. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. 13. They were mandated by the Internal Revenue Service in 2004 to facilitate tax reporting. 6. This is commonly caused by either true fraud or friendly fraud. 5: The chargeback under normal situations should be executed in under 120 days in all religions other than US Domestic. Case Studies. FR2 Fraud Full Recourse Program. Knowing these categories helps you further understand the chargeback and identify any problems within your payment solution, customer service, and sales processes. Often, consumers misuse or intentionally abuse the chargeback process to receive free products, which is commonly referred to as “friendly. • 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. Chargeback Reason Codes Page 2 of 5. Request Transaction Documentation for Keyed Card Transaction. However, please note that a ‘Re-presentment’Mastercard Chargeback Guide is a comprehensive document that explains the rules and procedures for resolving disputes between cardholders, merchants and issuers. 2. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. The same is true of all chargeback reason codes. Every merchant on the MATCH list is assigned a reason code that explains why they’re on it: 01 Account Data Compromise; 02 Common Point of Purchase; 03 Laundering; 04 Excessive. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. 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. American Express Chargeback Reason Codes. This process is called 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. 7: Defective goods and services: C32: RM: 13. Chargeback reason code 10. 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. For more detailed information on a specific reason. 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. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. 15, 2021. C18 – “No Show” or CARDeposit Cancelled. See more04/04/16 Added American Express Chargeback and Retrieval Reason Codes. 2=1020 etc. Then, click individual codes for tips on how to prevent and fight each one. 10. Use this guide as a quick resource for Visa chargeback reasons at a. It should address the Reason Code and allow us a ‘Re-presentment’ right. Now, compliance cases must be submitted through Visa Resolve Online (VROL). ; If the acquirer bank. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. Check Card A bank card that can be used with a PIN at an ATM or without a PIN at the point of sale, also known as an offline debit card. 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. 4837 — No Cardholder Authorization. Non-Receipt of Information Chargeback Reasons. We assign the dispute to you for review in your Customer Area > Risk > Disputes, or send you a webhook. FR4 Immediate Chargeback Program. 1? Visa chargeback reason code 11. 9 – Non-Receipt of Cash or Load Transaction Value. Retry after 10 days. Download this sample Chargeback Rebuttal Letter. Unauthorized returns (R05, R07, R10, R29, R51): 0. CHARGEBACK REASON CODESM10 Vehicle Rental – Capital Damages. Fraud (10)& Authorization (11)There are many reasons a consumer may file a return item chargeback. Mastercard – 4853 Cardholder Dispute of a Recurring Transaction American Express – C28 Canceled Recurring Billing Discover – AP Recurring Payments The. Reason codes for chargebacks are assigned by issuing banks at the time of their creation, depending on the nature of their occurrence. 00: The amount of the transaction. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. This may affect dispute time limits. Any time. Visa Chargeback Reason Codes; MasterCard. VCIPayments; NMI;. But in general, the most common reasons for chargebacks include the following: Fraud:. You can see a reason code 11. 16, 2021. Credit not processed for cancelled or returned goods and services 2. A Shopify chargeback occurs when a cardholder contacts the bank about. 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. Chargebacks explained. To determine the problem, you need to examine customer interactions, transaction details, and business practices. 1 falls under the “Consumer Disputes” category. Each credit card company has their own list of chargeback reason codes, and along with these different lists come different time limits, definitions, and expected merchant actions. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. The chart above outlines reason codes for when Walmart is not paying the full amount of an invoice. Reason. Step 2: Customer initiates the chargeback. You processed a transaction with the counterfeit card on a terminal that wasn’t EMV-compliant rather than using a chip reading device that would have detected the fraud. This category for scamming chargeback claims is represented with the following reason codes: AMEX - F29 Card Don Presentational. The Late Presentment chargeback rights and language were moved from chargeback reason code 4834 (Point of Interaction Errors) to reason code 4808 (Authorization-Related Chargebacks). If they accept, this is the final status. Ineligible Transaction (International only) 79. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Reason Code Description More details Action required; MD06 Disputed authorised transaction Your customer has claimed a refund for an authorised transaction (Core scheme only). An XCK entry may be returned up to sixty days after its Settlement Date. Select a tab to see the possible. “American Express Chargeback Reason Codes | Sift”. 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. 3 No AuthorizationFree Download. Additionally, there are several other reasons you could be on this list related to security, illegal activity, bankruptcy, fraud, or non-compliance. These codes are broken down into five different category. Identifying your chargeback triggers is an essential step in developing a comprehensive chargeback mitigation plan. C14 – Paid by Other Means. The implication is that the merchant is at fault. compliance process depending on whether a chargeback right exists. e. . Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. The claim often, but not always, involves automated teller machines (ATMs). A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card. 6 Credit Not Processed . the Airline cancelled the original ticket; That credit for duplicate charges was completed or multiple<br />. 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). For instance,. WEX began issuing chip cards in Q4, 2020. You can also view your latest chargebacks. This is now an obsolete reason code, and issuers have been instructed to use code 4808 instead. due to objection by the payer). A new 4 byte reason code will be used moving forward. R34: LIMITED PARTICIPATION DFI: The RDFI’s participation has been limited by a federal or state. Use this guide as a resource to quickly identify a chargeback reason code from Mastercard. 3 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. It’s crucial that you recognize the common merchant errors that might trigger a reason code 13. This can provide important information to fight the dispute. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 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. Spot these types of chargebacks using the below reason codes. 45. And each reason code has unique compelling evidence requirements if you choose to fight. The bank can then reverse the transaction, deducting the funds from your account and returning them to the cardholder's account. 1And if the merchandise was returned for late delivery, the issuer should wait 15 days after the return of the merchandise before filing a chargeback. Visa retired the “unrecognized”. Required Authorization Not Obtained. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. The merchant can choose whether or not the reason makes sense and. Feel free to submit topic suggestions, questions or requests for advice to:. Here are some recurring issues that you might see pop up most often to cause decline codes: Credit card verification error: The card used could have a faulty microchip or magnetic stripe, which would require manual input. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. You have 21 days to resolve the shopper complaint before it becomes a dispute. American Express Chargebacks / Disputes. There are six different types of RFI reason codes for the dispute notifications. online) purchase. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. 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. Code 4807 was used to cover various authorization-related. Code. The problem continues to grow out of control with each year. For a more detailed explanation, as well as a list of Visa’s individual codes, please refer to our guide on chargeback reason codes. When a chargeback is submitted, the issuing bank selects a reason code from the list provided by each card network. Chargebacks can be caused by several factors, such as processing errors, fraud, customer dissatisfaction, and merchant errors . Recurring billing transactions are a frequent source of conflict, disputes, and. Reason Code: • List of all Reason Codes and description . 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. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. Then, click individual codes for tips on how to prevent and fight each one. Resources. Partners. 5 Chargeback Reason Code List - U. 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. Reason codes are alphanumeric codes that provide the justification to awarding a chargeback. 5%. ACH return codes identify the reason an ACH payment was returned by the recipient's bank. Code. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. The same is true of all chargeback reason codes. According to one study, the average chargeback ratio for the travel industry is 0. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. The customer was wardrobing. Expired Chargeback Protection Period. 2. In some cases, banks must wait a specific amount of time before issuing a chargeback. 4. Each chargeback reason has its own, individual prevention techniques. Which is meant to know the reason for the dispute. You may also receive this code if the transaction was. Non-Receipt of Goods or Services Chargeback Reasons. What are Merchant Category Codes? A Merchant Category Code is a four-digit number that identifies the type of products or services the merchant provides. The client can send Paymentology a list of disputes, using a predefined batch chargeback submission template that has been requested to chargeback. What is Mastercard chargeback reason code 4807? Mastercard chargeback reason code 4807 falls under the “Authorization” category. R03 Insufficient Reply. A cardholder claims that they did not receive the service or merchandise they ordered. Different card networks have different reason code systems. American Express, Discover (and Diners Club International, which it owns) use a combination of numerals and letters. 0 to 5. Partners. Every merchant wants a simple way to address the issue of chargebacks. 4 applies to eCommerce, whereas code 10. Chargeback Reason Codes Page 3 of 5. The codes also appear on financial reporting associated with disputes. Incorrect Transaction Code. Overall returns (all codes): 15%. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,The first thing to understand is that not all chargebacks are the same. 1 Goods and Services Related Issues 1. Friendly fraud. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Visa Merchant Official Documentation. Declined Authorization Authorization Visa Code: 11. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. All ACH return reason codes consist of the letter “R” followed by two. The shorthand description is “Card Recovery Bulletin. Added the following fields - Store ID, Credit Card Chargeback Reason Code. View the entire list of Visa reason codes below. Card Recovery Bulletin Authorization Visa Code: 11. message. Visa chargeback reason code 75 is filed as an honest mistake. Chargeback /Dispute; Merchant Response. 1st chargeback Re-present Pre-arbitration 2nd chargeback To be removed in July 2020 File case MCI rule 120 days 45 days 45 days 45 days Mastercard cycle Our ability to defend you relies on the documentation you submit. Invent - UA02 Fraud – Card Not Present Transaction. A ratio of 3% or more with at least 300 chargebacks will result in being categorized as a High Excessive Chargeback Merchant (HECM). A card-not-present chargeback is a payment reversal conducted by a bank in response to a card-not-present (i. 4859 Addendum, No-show, or ATM Dispute. Train your staff to process and handle card-present transactions properly. Reason. There are several types of Mastercard chargeback reason codes, each with its own unique set of circumstances. For American Express; For Visa; For Mastercards; Chargeback Reason Codes List for American Express ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. M01 Chargeback Authorization. The major card networks have unique reason code systems, and banks use separate tools. Every merchant on the MATCH list is assigned a reason code that explains why they’re on it: 01 Account Data Compromise; 02 Common Point of Purchase; 03 Laundering; 04 Excessive Chargebacks; 05. The shorthand description is “Warning Bulletin File. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. The client can send Paymentology a list of disputes, using a predefined batch chargeback submission template that has been requested to chargeback. It depends on the chargeback reason code associated with the dispute. Below are some examples of more common reason codes. 4846. Chargeback Reversed. 6. It is a valuable resource for anyone involved in the payments industry. Some of these reason codes are specifically designated to apply to authorization-related issues. About Careers Contact. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. 100187 and ANSI X9. Credit Posted as a Purchase chargebacks, for example, at. ” This code indicates that the merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, and submitted the. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831. The chargeback report shows the status of all chargeback disputes. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831 Transaction Amount Differs 4834 Duplicate. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. However, it is important to note that this reason code is based on the reason given by the customer to their bank. 7 – Cancelled Merchandise / Services. C04 – Goods / Services Returned or Refused. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Chargeback reason code 10. Chargeback time frames - A specific period during which a chargeback can be raised. The codes for each card brand are listed below along with the recommended documentation to provide. 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. This reason code is accompanied by a fraudulent reason code (UA). 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. Among the information contained in this package is the chargeback reason code. Get proper authorization and manual or electronic imprint for each card present transaction. These reason codes are a standardized list of reasons that a customer and/or their bank may file credit card chargebacks. Goods and services not as described or cardholder received defective goods or services 3. With so much to cover on chargeback reason codes, it’s hard to do it in a single blog post. The merchant failed to ship the merchandise to the agreed-upon location. The shorthand description is “Incorrect Transaction Code. Explanation of the occurrence of a chargeback, with a detailed breakdown by type and prevention options. 2. 1 falls under the “Authorization” category. Chargeback reason code 4853 is used to designate “Cardholder Disputes,” or disputes involving transactions that a customer claims are incorrect in some way. for chargeback reason code 4863 (Cardholder Does Not Recognize). 02/10/16 Added Debit Chargeback Reason Codes. Chargeback Reason Code List - U. 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. 30. 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. An invalid chargeback is defined as an unnecessary or non-compliant payment dispute — a chargeback that shouldn’t have happened. Processing Errors, also referred to as Point-of-Interaction Errors, categorize reason codes representing disputes including duplicate processing, late presentment, credit processed. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. 1 Merchandise/Services Not Received . In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Reason Code Directory. . Find explanations for the major credit card issuers dispute reason codes in the Cardholder Dispute Reason Code EncyclopediaAlternatively, you can find the list of Klarna dispute notifications in your Customer Area by going to Risk > Disputes > Requests for Information. The deadline for a Chase Bank customer to dispute a transaction is 60 days. This Return Reason Code may only be used to return XCK Entries and is at the RDFI’s sole discretion. Chargeback prevention strategies vary based on the reason for the dispute. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Blog. That's why we created this handy reason code lookup tool that includes all the codes for all four major card. They also prevent acquirers from threatening or punishing merchants with inclusion on the MATCH. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. 9 – Non-Receipt of Cash or Load Transaction Value. Updated the following columns - card type, response due date. Chargebacks have both short and long-term ramifications for merchants. We have been leading the charge against chargebacks since 2005, creating a world where merchants can flourish by focusing more on what they do best. 7. Case Studies. 4808 – Authorization-Related Chargeback – Multiple Authorization Requests. Visa - 13. The following table shows response codes and their meanings for ISO 8583-1987, later versions uses 3 and 4 digit response codes. 2 falls under the “Processing Errors” category. 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. Chargeback reason codes. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. 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. Overview. 2. Adyen. Use this resource to prevent and fight chargebacks with greater accuracy . Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 2. So the company has more incentive to side with customer during cardholder disputes. 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. Previously, Visa expected the disputing member to start the dispute by filing a pre-compliance chargeback under reason code 98 (now obsolete). 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. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. 3 – Not as Described or Defective Merchandise / Services. 7 Violation for Coercion Claim. 5 and, more or less, associate the dispute with an issue related to a stolen credit card. Please refer to chapter 5 for more information. 3 Changed Discover Reason Codes to match what is shown in the UI. With that said, you still need to understand the reason codes with any chargebacks from Amex. American Express, Discover (and Diners Club International, which it owns) use a combination of numerals and letters. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 6: Duplicate processing/Paid by other means. Discover is a credit card network and an issuing bank—just like American Express. 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. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. The issuing bank assigns each case a code according to the consumer’s claim, and the merchant must adhere to the time limits for that specific code. Reason Code 03. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. 7 – Cancelled Merchandise / Services. View the entire list. But knowing more about your business, knowing where the gaps could possibly be, and. MasterCard’s Corporate Purchasing Department Account Program does not have rights for the following message reason codes: 4835 — Card Not Valid or Expired. 1. 1? Chargeback reason code 11. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. This chargeback<br />. Depending on whether the documentation is required or not, Paymentology will submit these chargebacks on the client’s behalf. Late Presentment Rules: Mastercard. 1: The chargeback time limits may be altered if the resources were assumed to deliver after the execution time period of the payment also. 0: Updated report version from 1. In the case of reason code 11. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). 11. A fraudulent chargeback represents much more than a lost sale for merchants. 4871 – Chip Liability Shift – Lost / Stolen / Never Received Issue. In most cases, the bank chooses a course of action based on information the cardholder provides. A transaction event code, or T-code, is a five-character alphanumeric string, such as T0001. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. The card scheme receives the chargeback and forwards it to the acquirer. 1. Solution. Visa groups its various reason codes into several broad dispute categories. Each major credit card company has its own list of chargeback reason codes that describes the chargeback. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. The merchant failed to ship the merchandise by the promised delivery date/time. So don’t spend another second worrying about chargebacks. Discover Chargeback Reason Codes Explained. 4808: This code can refer to: Account Number Not on File. 5, and all aspects of chargeback reason codes, with proprietary. A MATCH list reason code refers only to criteria for a merchant being added to the MATCH database. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. Additionally, one clearing transaction. ”. Step 1 – The customer initiates a chargeback dispute request over a transaction. 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. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Chargeback Reason Codes. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. Mastercard chargeback reason codes are four numerals without decimals. The Resource Online Reports User Guide (PDF) is a comprehensive manual for the Resource Online modules and reports. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. American Express, Discovering, Visa. Non Matching Account Number. The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to. Some of the reasons why the order did not reach the cardholder can be as follows: The merchant did not provide the services;ECM monitors first presentment chargebacks regardless of reason code or transaction type. Goods / Services Damaged or Defective. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. Explanation. F01. 0: Changed report name from Downloadable Dispute Report to Case Report. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. Reference these when rebutting cardholder disputes at your small business. Visa chargeback reason codes, for example, are numerals with decimals. What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. Reason Code: Numeric: Code for the chargeback request (see below). About Careers Contact. S.