the reason code doesn’t reflect the real reason for the dispute. If the customer’s story matches. Chargebacks are a standard part of doing business, especially if you accept payments online. Submitted: The response has been sent and the issuer is. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. 2. 100- 140 standards- , and will be removed in future releases. Now, 10. The Allocation workflow applies to any chargeback assigned a “Fraud” or “Authorization”. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. An ACH dispute results in a chargeback for the business that processed the payment. 5158. 800. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. Tom-Chris Emewulu Chargeflow's Digital Evangelist May 25, 2021 6 min read Suppose you are hearing the term Chargeback Reason Codes for the first time. What is Visa chargeback reason code 13. Business Tips (37) Card-not-Present (6) CBD. 265. 7: Defective goods and services: C32: RM: 13. The Merchant Reviews the Partial Chargeback Claim. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. 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. If you did not receive the email, open Mave, Wave’s automated chatbot, and. A family member used the card without the primary cardholder's knowledge. Build & Submit a Representment Case in 4 StepsEach chargeback comes with a code that designates the reason it was filed. The reason code specifies why the chargeback was initiated. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. The initial release of this standard does not add, remove or change any Return Reason Codes. 16, 2021. Lucia to 135 XCD • Increasing the CVM Limits in Sint Maarten (Dutch Part) to 90 ANGHere is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. 37. Visa also overhauled its system of chargeback reason codes. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. 4846 — Incorrect Currency Code. Of course, CNP fraud explicitly targets eCommerce merchants, as all online transactions are card-not-present. This second chargeback is what was commonly referred to as a “pre-arbitration 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. Description of Change Where to Look AN 1193—Revised Standards for the Chip LiabilityCode 13. 1=1010,. 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 andVisa Chargeback Life Cycle. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect. If the merchant has a signature showing that the order was delivered, or evidence that the. Reason codes are important to help merchants address recurring. 46%: 1. 4863: Cardholder does not recognize. 10. 58%: 70. This category of fraudulent chargeback is represented with the following reason codes: AMEX - C08 Goods/Services Not Received or Only Partially Received. . Merchants can find a. Mastercard Chargeback Reason Codes. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. manual processing by uploading chargeback documents instantly. Time Limit in Calendar Days. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. Mastercard Chargeback Reason Code 70: Chip Liability Shift. 4. 02 =altered/fictitious item. Everyone has had the experience of buying. Get access to thousands of forms. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. Chargeback time frames - A specific period of time during which a chargeback can be raised. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. Fraudulent. In fact, the same thing could be said of other chargeback reason codes, too. 4. Reference these when rebutting cardholder disputes at your small business. By entering your email, you agree to receive marketing emails from Shopify. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. These codes are established by the payment brands to categorize the incoming dispute requests by reason. These codes are notoriously inaccurate; in fact, first-party fraud is predicated on reason codes being inaccurate. This can provide important information to fight the dispute. ”. Unauthorized returns (R05, R07, R10, R29, R51): 0. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. 4855. 1: Use the corresponding dates from the invoice. 'luhfw fruuhvsrqghqfh wr wkh dssursuldwh hpdlo edvhg xsrq wkh uhdvrq frgh ri wkh lvvxh olvwhg ehorz <rx pd frpelqh lvvxhv iru gliihuhqw uhdvrq frghv lq wkh vdph fruuhvsrqghqfh rqo li wkh hpdlo ghvwlqdwlrq lv wkh vdph <rx pd. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. This chargeback occurs when merchants do not adequately provide currency information. The first thing to understand is that not all chargebacks are the same. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. 7. Cancel a timeshare within 12 days of the receipt or contract date. Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. Summary of Changes, 13 December 2018Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. 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. 4859 Addendum, No-show, or ATM Dispute. A smarter, simpler way to stop fraud. We will assign the chargeback to you for review in the Disputes tab of the Customer Area. Visa Merchant Official Documentation. Always print and double-check the account number on all phone and mail orders. . Most dispute reason codes that. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. 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. The main chargeback reasons look like this: Malicious fraud. This involves the cardholder’s bank serving as a mediator, rather than eBay. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. 48. 37: Filing notes: Type: Varchar; Unique: No; Blanks: Yes; Max length: 4000 characters; This is free form text about the Filing Reasons. 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. Use order validation and prevention alerts. Chargeback Reason Codes Page 2 of 5. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested. The 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. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardMastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. To help you identify what happened, look up the code you received for the dispute below. A reason code helps explain why a transaction was disputed. Specifically, these updates only pertain to transactions that are charged back after Oct. many chargeback reason codes that exist today. 100007: 400* INVALID_REQUEST: Message reason code invalid for this chargeback - AFD EDIT. It can range from 60 to 120 days from the billing date. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet, phone, or mail orders. Chargebacks. Reason Codes: 23 / 37 / 61 / 83 Account numbers do not match After swiping a card, if the card number displayed does not match the number embossed on the face of the card, ask for a different form of payment. Every chargeback comes with a reason code. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. The first thing you should learn is to identify the chargeback reason code, which is a kind of shorthand that indicates why the transaction is being disputed. 4. These chargebacks occur to resolve chargeback-related disputes between network members. Check the chargeback reason code. There are 151 chargeback reason codes across the four major card networks. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some. Acquirer Use of Message Reason Code 7623. This reason code is assigned to consumers wishing to file a chargeback for defective product. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. 4: Fraud—Card-Absent Environment. In fact, 91. ”. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. The shorthand description is "'No Show’ or CARDeposit Canceled. 2. Visa Chargeback Reason Codes; MasterCard. It was originally just one facet of legacy reason code 81. The card scheme receives the chargeback and forwards it to the acquirer. Chargeback Reason Codes The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. For Visa disputes, the reason code also dictates which workflow the case will take. 6. Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. On xx/xx/xxxx, we received a chargeback under the reason code 11. It's essential to respond within the. F01. Unauthorized returns (R05, R07, R10, R29, R51): 0. We will assign the chargeback to you for review in the Disputes tab of the Customer Area. This chargeback will include a description that provides additional information: Digital Goods $25 or Less. That said, looking up purchases using this number can make it easier to provide info following an. Cardholder Disputes. Code. Follow the Rules. reason code information. As we touched on earlier, chargebacks can happen due to technical errors. Reason codes are created by the major. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. ECM monitors first presentment chargebacks regardless of reason code or transaction type. Code 4837 chargebacks are most often caused by either a fraudster making a purchase with stolen payment credentials or a cardholder failing to recognize a legitimate charge. These are only a handful of common Visa chargeback reason codes. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. The sales receipt and/or date and amount of the authorization if other than the transaction date. The issuer reviews the case, assigns a reason code, and initiates the chargeback. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing Chargeback reason codes. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. 41. Overview. Across open networks and include account numbers sent over email, instant messaging, text, or chat. 1, which covers duplicate processing errors, and 12. 3), the acquirer has 18 days to respond to the dispute • For Visa Collaboration reason codes (RC 12. Check with the issuing banks to determine what time limits may apply to you. STEP #7: Bank Review & Decisioning. Another downside is that chargebacks on annual subscriptions. Chargeback Reason Codes Reason code are the first key to understanding the root causes . The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. When you get one of these response codes, you’re going to have to ask the customer to provide a different payment method: 5 - Do Not Honor. Once you know why a chargeback happened, you can start building a case to address the claims that were made. Proof you have already refunded the transaction and credited the cardholder’s account. without a reason code will be assigned a default code of 1. Visa chargeback reason code 85 falls under the “Consumer Disputes” category. Also, just like American Express, Discover functions as both a card network and an. WEX began issuing chip cards in Q4, 2020. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Availability. ) A no-nonsense summary of evidence that proves transaction is legit. UA06 Fraud – Chip and PIN Transaction. Merchants will no longer receive a credit when the First Chargeback Response is sent to the issuing bank for review; however, an adjustment will be. 100187 and ANSI X9. Based on the information provided, Paymentology will investigate the transaction being disputed. Reason Code 37 not allowed when merchant supports UCAF: 100007: 400* INVALID_REQUEST: Reason code 37 is not allowed for AFD transactions with CAT Level 2. There are plenty of reasons as to why this would happen, hence the many. Receiving a damaged product. See the SNAD filing reason codes section for valid values. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. Use clear and consistent billing descriptors. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Write customer-friendly policies. The major card networks have unique reason code systems, and banks use separate tools. Eligible Chargeback Reason Codes . Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 — Updated Special Notes. Responding to Mastercard Reason Code 4853 Chargebacks. Visa chargeback reason code 11. Invalid or Expired Card : 37 : Fraud Transaction No. It supports recurring payments. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. 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. Date Option. 48. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. This extra step can be frustrating for Card Members and lead to lost sales. chargeback: The buyer filed a chargeback with the credit card issuer. Reason. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. Goods / Services Damaged or Defective. • For Visa Allocation reason codes (RC 10. ’Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. 42. 9808 info@chargebacks911. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. Reason Code 02. F24. Along with that are many other eccentric rules and regulations for merchants. What is Mastercard chargeback reason code 4837, no cardholder authorization, and how can you win it? Don’t waste time defending chargebacks, make your company more profitable by preventing them. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and believes that the transaction was fraudulent. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. 5 (1050) (Visa) Card-not-present fraud: 10. Set Up Custom Reason Codes; Update Order Status; Payment Currency Types;. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. The following are some examples: Visa Reason Code 13. 5%. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. There are over 80 unique return codes, and each one represents a different type of return. By entering your email, you agree to receive marketing emails from Shopify. When a fraudster places a transaction using stolen payment credentials, it may result in a true fraud chargeback under this reason code. 4 spec (Section 8. 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. A chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. Reference these when rebutting cardholder disputes at your small business. 4860 Credit Not Processed. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. Thus, the easiest way to prevent chargeback reason code 75 from being. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. The issuing bank reviews the information. A reason code is how banks categorize the reason for a chargeback. puts the burden of proof back on the consumer and/or Issuer to “prove” or substantiate the reason for the chargeback. Reason codes differ by card brand (Visa, Mastercard); a complete list can be found here. 1042. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. 01 = closed account. Some credit card companies also include a short phrase describing the code and chargeback. 08. 1 applies when the issuing bank receives the same transaction more than one time. Description. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. MasterCard chargeback reason code 4540. Updated Disputes/Chargeback Policy Coming April 2024A dispute often has a reason code associated with it. Updated August 23, 2023. The implication is that the merchant is at fault. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. There are several reasons why many merchants turn a blind eye to suspected return fraud. 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). If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. In most cases, you will have 20-45 days in which to respond to a chargeback. While the updates have been published, they do not go into effect until Oct. Take the time to note the following dispute reason codes for Visa. Last updated: October 15, 2019 . Payment. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. 4512:Chargeback reason code 13. UA06 Fraud – Chip and PIN Transaction. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Business Tips (37) Card-not-Present (6) CBD (42). . What is Visa chargeback reason code 12. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. 1001 - Cardholder does not recognize the transaction. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. Discover chargeback reason code 7030. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. 2. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. 3. When a cardholder has an issue with a transaction, they can contact their bank to dispute the charge. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. Reason code 37 is not allowed for AFD transactions with CAT Level 2. Chargeback Reason Codes by Industry. A chargeback is the potential outcome of a disputed credit or debit card transaction. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. Payment. 23 = item exceeds dollar limit. Paymentology will submit the chargeback using the appropriate chargeback reason code. 10. All 1. A chargeback happens when a customer requests for a transaction to be reversed. These codes are currently defined within the ANSI X9. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Summary of Changes, 13 December 2018Discover Chargeback Reason Codes Explained. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)About American Express chargeback reason codes. 4 Funding Process. CB Reason Code: Unicode Text (30-character) Chargeback reason code as provided by the bank or payment method. While the format of chargeback reason codes. 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. Combine card acceptance rules compliance with the latest technology to shift fraud liability is the number one method to prevent. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. 10. ” This code indicates the transaction was processed using the wrong Merchant Category Code, transaction type indicator, country or state code, or some other required field. Step 1: Identify the Source. (Amex) No cardmember authorization. If using any other currency than this, it should be equivalent to the specified amount. 2 Added chapter providing information about the DiscoverChargeback 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. 7? Visa chargeback reason code 12. 1 Allocation Fraud and Authorization related chargebacks will be processed through an automated workflow. In that way, winning one dispute may help prevent the next chargeback to come after it. Fraud (10)& Authorization (11)The client will send this dispute to Paymentology’s Global support team via email – [email protected] is an updated version of legacy Visa reason code 76, which was phased out under the Visa Claims Resolution initiative. 4 to this dispute, indicating the purchase was fraudulent in a card-not-present environment. That suggests that in the times when merchants. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. 1. Attachment A: Copy of the customer's transaction on xx/xx/xxxx using a credit card ending in XXXX. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Only an issuer can initiate the chargeback process. Time Frames by Chargeback Type and Reason Code. . Complete Guide to Visa Compelling Evidence Update CE 3. Type. Visa chargeback reason code 75 is filed as an honest mistake. But, merchants should be aware that, eventually, everyone will be required to use the new designations. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback reason codes and categories specified below. 04/09/14 Discover: DC,. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. 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. 1 A customer issues a chargeback with their bank. The reason code. Specify the default reason code to. 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. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. 56. Mastercard issuing banks will no longer be able to bundle more than one transaction into a single dispute case. Reason Code 02. 4837. The reason code. reason codes. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. GraphQL Docs & Tools. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. 4835. In the case of friendly fraud, that reason could be completely invalid and. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. “American Express Chargeback Reason Codes | Sift”. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. . The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Based on the information provided, Paymentology will investigate the transaction being disputed. The network hasn't wholly disallowed some old codes. 3? Visa chargeback reason code 13. 22 = unable to process. 4860 Credit Not Processed. They utilize bank identification numbers in the range between 34*. Protect cardholder data. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. ; Help Center Find answers to common questions about Midigator’s technology,. The card scheme receives the chargeback and forwards it to the acquirer. We also included the reason code descriptions and an indication of when the allowable time frame begins. 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.