An Overview of Chargeback Reason Codes

Reason Codes

Each chargeback is disputed by a specific reason code. These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute.

The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction.

While every card system has its own particular exceptional arrangement of chargeback reason codes, the categories are fundamentally very similar. By taking a gander at the relating codes for Visa, MasterCard, Discover & Amex, merchants can start distinguishing patterns, shortcomings, and ranges of change.

Card Type Reason Code Reason Text Chargeback Category Preventable Reversible
DISCOVER 4534 DP-Duplicate Processing Processing Error NO NO
DISCOVER 4540 OA-Unauthorized Purchase Cancelled/Returned by Cardholder NO YES
DISCOVER 4541 AP-Automatic Payment Cancelled/Returned by Cardholder NO YES
DISCOVER 4550 CD-Credit Posted as a Debit Processing Error NO YES
DISCOVER 4553 RM-Quality of Goods or Services Cancelled/Returned by Cardholder NO YES
DISCOVER 4554 NC-Not Classified Other NO YES
DISCOVER 4555 RN-Additional Request/ Non-Receipt of Credit Request for Information YES YES
DISCOVER 4586 AW-Altered Amount Processing Error YES YES
DISCOVER 4594 CR-Cancelled Reservation Fraud NO YES
DISCOVER 4751 CA-Cash Advance Deposit Other YES NO
DISCOVER 4752 DA-Declined Authorization Authorization Error YES YES
DISCOVER 4753 Invalid Cardholder number Authorization Error YES YES
DISCOVER 4754 No Authorization Authorization Error YES YES
DISCOVER 4755 Non-Receipt of Goods or Services Non-Receipt of Goods or Services NO YES
DISCOVER 4756 SV-Stored Value Dispute Cancelled/Returned by Cardholder NO YES
Card Type Reason Code Reason Text Chargeback Category Preventable Reversible
MASTERCARD 4803 Documentation received was invalid/incomplete Request for Information YES YES
MASTERCARD 4804 Duplicate Processing Processing Error NO YES
MASTERCARD 4807 Warning Bulletin File Authorization Error YES NO
MASTERCARD 4808 Requested/Required Authorization Not Obtained Authorization Error YES YES
MASTERCARD 4812 Account Number Not on File Authorization Error YES YES
MASTERCARD 4831 Transaction Amount Differs Processing Error NO YES
MASTERCARD 4834 Duplicate Processing Processing Error NO YES
MASTERCARD 4835 Card Not Valid or Expired Authorization Error YES YES
MASTERCARD 4837 No Cardholder Authorization Fraud NO YES
MASTERCARD 4840 Fraudulent Processing of Transactions Fraud NO YES
MASTERCARD 4841 Cancelled Recurring Transaction Cancelled/Returned by Cardholder NO YES
MASTERCARD 4842 Late Presentment Processing Error YES NO
MASTERCARD 4846 Correct Transaction Currency Code Not Provided Processing Error NO NO
MASTERCARD 4847 Unauthorized transaction exceed floor limit Processing Error YES NO
MASTERCARD 4849 Questionable Merchant Activity Fraud YES NO
MASTERCARD 4850 Credit Posted as a Purchase Processing Error NO YES
MASTERCARD 4853 Cardholder Dispute – Defective/Not as Described Cancelled/Returned by Cardholder NO YES
MASTERCARD 4854 Cardholder Dispute – Not Elsewhere Classified Processing Error NO YES
MASTERCARD 4855 Non-Receipt of Merchandise Non-Receipt of Goods or Services NO YES
MASTERCARD 4857 Card-Activated Telephone Transaction Fraud NO YES
MASTERCARD 4859 Services Not Rendered Non-Receipt of Goods or Services NO YES
MASTERCARD 4860 Credit Not Processed Cancelled/Returned by Cardholder NO YES
MASTERCARD 4862 Counterfeit Transaction Magnetic Stripe POS Fraud Fraud NO YES
MASTERCARD 4863 Cardholder does not recognize- Possible Fraud Request for Information NO YES
MASTERCARD 4903 Documentation received was invalid/incomplete Other YES YES
MASTERCARD 4905 Invalid Acquirer’s Reference Data; Documentation Not Received or Not Required Other NO YES
MASTERCARD 4908 Invalid Acquirer’s Reference Data; Documentation Received Other NO YES
Card Type Reason Code Reason Text Chargeback Category Preventable Reversible
VISA 41 Canceled Recurring Transaction Cancelled/Returned by Cardholder NO YES
VISA 53 Not as Described or Defective Merchandise Cancelled/Returned by Cardholder NO YES
VISA 57 Fraudulent Multiple Transactions Fraud NO YES
VISA 60 Requested Copy Illegible or Invalid Request for Information YES YES
VISA 62 Counterfeit Transaction Fraud NO YES
VISA 71 Declined Authorization Authorization Error YES YES
VISA 72 No Authorization Authorization Error YES YES
VISA 73 Expired Card Authorization Error YES YES
VISA 74 Late Presentment Processing Error YES YES
VISA 75 Transaction Not Recognized Request for Information NO YES
VISA 76 Incorrect Currency or Transaction Code or Dom Proc Violation Processing Error NO YES
VISA 77 Non-Matching Account Number Authorization Error YES YES
VISA 78 Service Code Violation Processing Error YES YES
VISA 79 Requested Transaction Receipt Not Received Request for Information YES NO
VISA 80 Incorrect Transaction Amount or Account Number Processing Error YES YES
VISA 81 Fraud-Card Present Environment Fraud NO YES
VISA 83 Fraud-Card Absent Environment Fraud NO YES
VISA 85 Credit Not Processed Cancelled/Returned by Cardholder NO YES
VISA 86 Paid by Other Means Processing Error NO YES
VISA 90 Non-Receipt of Cash or Load Non-Receipt of Goods or Services NO YES
VISA 93 Risk Identification Services Fraud NO NO
VISA 96 Transaction Exceed Amount Processing Error YES YES
VISA 97 Pre-Arbitration/Arbitration Other NO YES
VISA 98 Good Faith Collection Other NO YES
VISA 99 Pre-Compliance Other NO YES
Card Type Reason Code Reason Text Chargeback Category Preventable Reversible
AMEX CO2 Credit not Processed Cancelled/Returned by Cardholder YES YES
AMEX FR2 Fraudulent Transaction Fraud NO NO
AMEX PO8 Paid By Other Means Processing Error NO YES
AMEX P17 Debit Adjustment Request for Information YES NO
AMEX R01 Non Receipt of Merchandise Non-Receipt of Goods or Services NO YES
AMEX R03 Fraudulent Transaction Request for Information YES YES
AMEX ` R04 Not as Described or Defective Merchandise Cancelled/Returned by Cardholder YES YES
AMEX R13 Requested Transaction Information Not Received Request for Information YES NO
AMEX MO1 Merchant Accepted Chargeback Request for Information NO NO
AMEX M04 Merchant Accepted
Chargeback
Cancelled/Returned by Cardholder NO NO
AMEX R14 Requested Transaction Information Not Received Request for Information NO NO
AMEX R17 Non Dispute Adjustment Request for Information YES NO
AMEX S01 Non Dispute Adjustment Request for Information NO NO
AMEX R12 Notification Request for Information YES NO
AMEX R21 Non Dispute Adjustment Request for Information YES NO

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