The bottom line: true fraud and chargeback prevention requires a more comprehensive. Chargeback Reason Codes by Network - 2023 Guide. FR2: Fraud Full Recourse Program: Inquiry/Miscellaneous: FR4: Immediate Chargeback Program: Inquiry/Miscellaneous: FR6:. Values are: Blank: Use the draft G/L date. Scenario 2. . A chargeback reason code can offer merchants a lot of information, including which chargebacks you should fight and how to rework your return policy. 1? Visa chargeback reason code 12. Also, remember that the time frame for your response includes any processing required by the acquirer. Click on Review Charges. The sales receipt and/or date and amount of the authorization if other than the transaction date. 2. Reason Code 53 Re-presentment Conditions. The specific guarantee terms and reimbursement procedures will. It is mandatory to send this field if you async status update is chargeback. 3: Goods or services were not as described: C31: RM: 13. Updated August 23, 2023. Fraud. Specify the default reason code to. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—QuestionableBelow you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. Info Us; In and. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. 1 falls under the “Processing Errors” category. Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. But friendly fraud is much more ambiguous. Merchants who believe they have received an invalid chargeback under reason code FR2 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. These codes will explain why the chargeback was filed. Protect cardholder data. If the receipt pays only one invoice and the system generates a chargeback, it uses the offset account that was assigned to the invoice from which the chargeback originated. 00 EUR as a Withdrawal fee. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. 3. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andChargeback reason codes are an abbreviated way of offering a basic explanation for the chargeback. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. If you've determined the chargeback is meritless, and you know the reason code, below are the five stages of an effective chargeback representment. Another downside is that chargebacks on annual subscriptions. com you have received an email. The reason code may not reflect the true reason for the chargeback. Card networks send these codes to merchants to indicate. 2. A chargeback reason code can offer merchants a lot of information, including which chargebacks you should fight and how to rework your return policy. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Specify the invoice date and net due date that you want the system to assign to chargebacks. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. FAQ: What is Chargeback Representment? TIPS. Amex Dispute Codes 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. File a claim and explain why you’re disputing the transaction. R04. For scenario A, send an echeck sale transaction with the following data: routing_number=064000101. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. Reason code encyclopedia Your comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. With the chargeback code in hand, the merchant can now review the transaction. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback 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. In short: yes. 6. Each card scheme has its own time limits for chargeback disputes, which can range from 60 to 120 days from the transaction date. American Express chargeback reason codes REASON ODE ENCYCLOPEDIA sift. Recommend Documents. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. Chargeback reason codes. About American Express chargeback reason codes. US $10,000. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. New Visa CE 3. These codes will explain why the chargeback was filed. pdf - Free download as PDF File (. FAQ: What is Chargeback Representment? TIPS. The issuing bank collects evidence from the customer and categorizes the chargeback using the appropriate, card network-specific, reason code. Learn How Chargebacks Work. These codes will explain why the chargeback was filed. Chargeback Reason Codes by Network - 2023 Guide. Visa Chargeback Reason Codes. From there, the merchant can look up the code to figure out what the dispute is about. Fine Period - month 1 1 Acquirer receives Excessive Fraud Activity Notification 2. Below you'll find a list of chargeback codes along with an explanation of what each one means, covering both. 5 Categories of Visa Chargeback Reason Codes. Like definitive guide involves the chargeback reason laws upon each of the four major cards networks. Reason Code. 5158. A reason code or a chargeback reason code is a string of symbols (numbers and letters). This extra step can be frustrating for Card Members and lead to lost sales. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. Previously, Visa expected the disputing member to start the dispute by filing a pre-compliance chargeback under reason code 98 (now obsolete). Under the new VCR process, there will be 4 dispute categories: Fraud, Authorization, Processing Errors and Consumer Disputes. 4846. However, Visa is the largest card brand in both the United States and the world. Merchants and Partners can request that Forte remove an account from the "Known Bad Accounts" database by calling Customer Service at 800-337-3060 option 1. As a merchant, you face the brunt of chargeback losses. ) has its own reason code system, so sellers should carefully check the card used for the. It is important to check the time limit in chargeback reason codes because it determines how long a cardholder has to initiate a chargeback after a transaction has taken place. Other Fraud—Card Present Environment. All countries outside of US and Canada. Chargeback Reason Coded by Network - 2023 Guide. The incorrect amount being charged. ”. Mastercard Chargeback Guide is a comprehensive document that explains the rules and procedures for resolving disputes between cardholders, merchants and issuers. pdf - Read online for free. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. 4 spec (Section 8. Reason code encyclopedia Your comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. That’s 50% more time than what the major card networks allow. Overview. Essentially, even a $50 chargeback can become $125 with all the extra fees. 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. This definitive guide comprise which chargeback reason encrypted with apiece of the four greater bill networks. Visa ® has launched the CE 3. Chargeback reason codes vary by the credit card company. Invalid Authorisation (ISO 4521) / Charge. The code is used to help verify buyers during a card-not-present transaction. The assigned chargeback reason code outlines why a customer submitted the dispute. Reason codes are important to help merchants address recurring. A chargeback happens when a customer requests for a transaction to be. What is the chargeback reason code? The reason code is an alphanumeric 2 to 4-digit code provided by the issuing bank that identifies the reason for the dispute. The network plans to reduce response times even further to just 20 days in the near future. 634. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. 4 to this dispute, indicating the purchase was fraudulent in a card-not-present environment. Your best outcome here is to refund the dispute before it becomes a chargeback. All card brands have their own number of codes). For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. All online retailers have to deal with at least some false positives. Choose “chargeback and inquiry status” from the drop-down menu. 4: . Additionally, Amex uses a fifth "Miscellaneous" category. Both EFM and ECM measure compliance at the MID level. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. R01. They only bill customers during a dispute if there is compelling evidence to show the cardholder’s account is in the wrong. Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program”, are excluded from program monitoring. A chargeback report is a way to condense a large amount of data about a business's chargebacks and disputes into a format that can be more easily interpreted and acted upon. “It’s a lot tougher with Mastercard because they only use four main codes. EMV Liability Shift Counterfeit Fraud. Solutions. Make sure to use security codes and AVS. FAQ: What is Chargeback Representment?. Under the legacy Visa Chargeback system, there are 22 chargeback reason codes (And remember, this is just for Visa. FR2 Fraud Full. Based on the information provided, Paymentology will investigate the transaction being disputed. When the customer disputes a charge, the issuing bank then begins the chargeback process. Each code corresponds to an issue or problem. Category. 3. As we touched on earlier, chargebacks can happen due to technical errors. Jan 2020_Chargeback Reason Code Encyclopedia - Free download as PDF File (. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. The key below describes the applicable classification and code structure of Chargeback codes by country: Classification. 1 EMV Liability Shift 10. The merchant did not receive any returned merchandise. Typical reason codes are: BD: Bad debt DC: Damaged goodsWith an eCommerce transaction, 3-D Secure technology works like an online PIN code. Promo abuse can refer to any situation in which customers take advantage of a business’s promotional offer, in a way which was not intended by the merchant, for the purpose of monetary gain. Supporting Documents You could potentially reverse a Chargeback by providing the. Typical chargeback reason codes are: DA: Disputed amounts. Reason Code. Another thing you should bear in mind is that the card brand involved in the dispute can also change the reason code to suit new developments. A chargeback reason code can offer merchants a lot of information, including which chargebacks you should fight and how to rework your return policy. Responding to Mastercard Reason Code 4853 Chargebacks. All ACH return reason codes consist of the letter “R” followed by two. FR2 - Fraud Full Recourse Program. 2. without a reason code will be assigned a default code of 1. There are two parts to this. May 2011: 5. Updated: Valid values updated. Availability Date: October 24th, 2021. Common reason codes Mastercard. Oftentimes, the reason code assignment is based on limited knowledge and insight. But why do they happen? 4 common types of hotel chargebacks. Chargeback fees make up a big chunk of the total costs, so we’re going to take a. About American Express chargeback reason codes. You must tailor your representment case — including the compelling evidence — to the reason code under. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. FR2 FR4 FR6 M01 M10 P01 P03 P04 P05 P07 P08. ) and ELISEA B. It was originally just one facet. Chargeback reason code 10. Blog and Articles; Success Stories;. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. 0. WEX began issuing chip cards in Q4, 2020. Download PDF . 7: Defective goods and services: C32: RM: 13. We would like to submit compelling evidence that the purchase was legitimate. If the merchant has a signature showing that the order was delivered, or evidence that the. The terminal action codes are in Table 122 of the 4. Partnerships; Integrations; About. Upfront Chargeback If we determine we have sufficient information to pursue a Chargeback, we may debit your account up front. It also has a multiplier effect that extends damages well beyond the amount of the disputed charge in question. Post Views: 841. (otherwise known as NIÑA MANUFACTURING AND METAL ARTS, INC. Here’s how your store can prevent and deal with chargebacks. Reason Code 53: Not as Described or Defective Merchandise. Chargebacks were introduced as a form of consumer protection against. Scenario 1 — upfront chargeback. 103. Duplicate Processing - 81These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. Scenario 2. F02. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. Stage #1: Awareness - be aware of the chargeback response time limitA chargeback reason code is a number that helps to inform a hotel why a chargeback was filed. Fight;. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. Products. Non-Receipt of Merchandise. Amex Chargeback Reason Code FR2: Fraud Full Recourse Program Description This is a program that allows American Express to send any dispute without first sending. Reason Code North-America: Canada and United States of America; Reason Code: All other. . However, they don’t address the reason why that chargeback was issued in the first place. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. account_number= Any account number. Responding to a chargeback request. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. 4853 – Cardholder Dispute – Goods or Services Not Provided. 0 is to make the chargeback process more efficient, transparent, and fair. Power your business in Square. US and Canada. Chargeback reason codes identify the general reason behind a chargeback. Supporting Documents You could potentially reverse a Chargeback by providing the necessary supporting Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing date of. According to Nilson, 56% of global card transactions were done on Visa in 2015. 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. Chargeback Reason Codes by Industry. Codes are not often shared between issuers which means it can be difficult to remember the details of each. Be sure to communicate with the customer and their bank professionally and courteously. Blog and Articles; Success Stories; Chargeback Reason Codes; BIN Look-up; eGuides the Reports; Webinars; Knowledgebase; Online; Partners. Below is a list of Mastercard chargeback codes used in eCommerce. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. Reason Code 02. Visa chargeback reason codes. Blog additionally Articles; Success Stories; Chargeback Reason Keys; BIN Look-up; eGuides and Reports;. 3. But, merchants should be aware that, eventually, everyone will be required to use the new designations. Mastercard Chargeback Reason Code 71: Disputed Amount. “Visa has 28 different reason codes. Some crucial examples of specific documents used as compelling evidence are as follows: Delivery confirmation of the order; Conversations with the customer; Verification codes (AVS, Authorization, Card Security Code, 3D Secure 2. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. 1. April 2018_Chargeback Reason Code Encyclopedia. American Express Reason Code FR2 - Fraud Full Recourse Program; American Express Reason Code FR4 - Immediate Chargeback Program; American Express Reason Code FR6 - Partial Immediate Chargeback Program; NOTE: If you receive one of the above chargeback reason codes and aren’t aware of being in a fraud monitoring program, contact your payment. Terms and conditions. Fight; Hinder; Recover; Resources. As soon as a customer requests a chargeback, their bank will reach out to the business’s bank and give them a heads-up that the chargeback has been requested. 1 Page 4 of 5 Chargeback Reason Codes. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. Once filed, the merchant generally has 20 days to respond to the chargeback. Fraudulent TransactionsThe reason code may not necessarily reflect the actual reason for the chargeback, but you ought to respond to it based on the provided chargeback code. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. If you leave this processing. processed the transaction correctly. American Express is incentivized to keep their customers happy. The issuing bank will then pass on the chargeback to the merchant. There is a USD 25 limit for the First Chargeback (Reason Code 22). The dispute must be one of the following types of reason codes (as identified by the relevant Card Network) listed in. Documentation must be a direct result of cardholder communication. The price of Order Insight alerts varies, but is often $8-$10 per deflected chargeback. In most cases, you will have 20-45 days in which to respond to a chargeback. The newer system is designed to. An Acquirer must monitor the Chargeback-to-Transaction volume ratio of its Merchants and identify any Merchant that:. Chargeback Reason Codes by Network - 2023 Orientation. Customer Dispute. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. [noun]/* kə • stə • mər • di • spyo͞ot/. reasonable and that the transaction did not exceed this amount range. txt) or read online for free. A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. What are Chargeback Reason Codes? Chargeback reason codes are issued by the bank when a customer files for a chargeback. You can learn more about each one by visiting the Mastercard Chargeback Guide. 11. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. A01 | A02 | A08. S. Thus, the easiest way to prevent chargeback reason code 75 from being. Less. Please refer to chapter 5 for more information. Date Option. EMV Liability Shift Non-Counterfeit Fraud. Non-Receipt of Goods or Services. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. This definitive guide includes the chargeback reason codes coming each of the four greater menu networks. If the order was genuinely not as described, then the cardholder has a case. The good news for those using Shopify Payments, the hundreds of reason codes and buckets them into eight. 1 alpha followed by 2 numeric digits. pdf - Free download as PDF File (. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. Once filed, the merchant generally has 20 days to respond to the chargeback. 5. The network hasn't wholly disallowed some old codes. message. Reason Code Description A01 No valid authorization/excessive amount. Additionally, Amex uses a fifth "Miscellaneous" category. The other member could accept the chargeback or contest it, escalating the dispute to compliance where Visa adjudicates. FR2: Fraud - Full Recourse Agreement: 120: Fraud: Amex: FR4: Immediate Chargeback Program-Miscellaneous: Amex: FR5:A Chargeback will be processed if: your reply is insufficient; you do not reply on time; or you authorize us. Home; For Business. Knowing these codes can help you dispute chargebacks more effectively. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. Please note that each card network (MasterCard, VISA, American Express, etc. Products. CVV2. United States. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration. American Express Reason Code FR2 - Fraud Full Recourse Program; American Express Reason Code FR4 - Immediate Chargeback Program; American Express Reason Code FR6 - Partial Immediate Chargeback Program; NOTE: If you receive one of the above chargeback reason codes and aren’t aware of being in a fraud monitoring program,. ”. Discover: Reason Code 4755 Non-receipt of goods or services. Click “filter orders”. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. UA06 Fraud – Chip and PIN Transaction. A chargeback is a transaction reversal resulting from a credit card payment dispute. A01 | A02 | A08. Mastercard Chargeback Reason Code 70: Chip Liability Shift. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Unfortunately, it is pretty challenging to prevent friendly fraud. If the available information indicates that the customer dispute is a valid one, American Express will automatically debit your merchant account for the amount of the disputed transaction and will send you a chargeback notification for you to review. The chargeback process can last from one month to six months. Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive . The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. It is caused by things like beliefs, opinions, morals, regrets, fear, and confusion. Other Fraud—Card Absent Environment. eBay levies a $20 chargeback fee along with any other sale reversals included in the standard chargeback process for lost disputes. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. • 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. Click on “report a problem” and select the transaction in question. This definitive guide include the chargeback base codes from each away and four more card networks. 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. Chargeback Code: Type: Processing Error: P01: Unassigned Card Number: P03: Credit Processed as Charge: P04: Charge Processed as Credit: P05: Incorrect. About Discover chargeback reason codes. underlying your chargeback. F02. Complete Guide to Visa Compelling Evidence Update CE 3. High Level Visa Chargeback Dispute Flow. 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. American Express chargeback reason codes REASON ODE. 4807 Warning Bulletin File. Before the cardholder can file a chargeback, they must give a reason to their card provider. 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 validThe nature of the threat makes it a moving target. The cardholder may be the customer or the someone who lent their card to a friend or relative. 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. Unauthorized returns (R05, R07, R10, R29, R51): 0. 4 Section . A chargeback reason code can offer merchants a lot of information, including which chargebacks you should fight and how to rework your return policy. While the format of chargeback reason codes. This definitive guide includes the chargeback rationale codes from each of to four major card networks. Such definitive guide includes the chargeback reasoning codes from each of and four major card networks. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. These codes will explain why the chargeback was filed. During this process, the representative of the institution examines the reasons’ list. This ranges anywhere from roughly 60 to 90 days after purchase. Written to Chargeback Gurus. 103. Here’s how your store can prevent and deal with chargebacks. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. Reason. But these are the minority of all transaction disputes. Preventable Reversible. 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. American Express reason code 155, Visa reason code 30, MasterCard reason code 4855, and Discover reason code 4755 are all specific reason codes for Shopify payment chargebacks. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at some. Amex. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Paymentology will submit the chargeback using the appropriate chargeback reason code. the Chargeback. Solutions. Field name: reasonCode. One catch is that CE3. So the company has more incentive to side with customer during cardholder. Description: Reason code for applying handling fee. Refund fraud, sometimes referred to as refund theft or a “whitehouse scam,” involves abusing a merchant’s policies to pursue a refund from a retailer and receive money or other goods without a valid reason to do so. Establishment on Full Recourse/Immediate Chargeback Program: FR2:When the customer disputes a charge, the issuing bank then begins the chargeback process. The shorthand description is “Late Presentment. Any time. When one cardholder initiates a dispute with their issuing bank, a. This provided a number of insights into the typical. Chargeback Reason Key by Network - 2023 Guide. F01. A double refund chargeback occurs when a cardholder requests a refund for a transaction, then files a chargeback for the same purchase. Check with the issuing banks to determine what time limits may apply to you. 800. Solutions. Reason Code North-America: Canada and United States of America; Reason Code: All other. Reason Code 12: PCI-DSS Non Compliance: The merchant wasn’t compliant with PCI-DSS requirements. 1 chargeback: 1. Shopify has four status categories for chargebacks and inquiries: Open: No response has been sent yet and evidence can still be added. Enterprise;. A chargeback is the potential outcome of a disputed credit or debit card transaction. Overall returns (all codes): 15%. For example, 10. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. If you’re not, there’s a good chance you’re about to see a high volume of chargebacks with “fraud” reason codes come pouring in. Auto Write Off.