There are a number of chargeback reason codes that are dedicated specifically to transaction errors. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. 634. What are Chargeback Reason Codes? Chargeback reason codes are issued by the bank when a customer files for a chargeback. 0 only applies to reason code 10. About American Express chargeback reason codes. 3: Goods or services were not as described: C31: RM: 13. The issuing bank will then pass on the chargeback to the merchant. Eligible Chargeback Reason Codes . Write Off Reason Code . Maestro. 7: Defective goods and services: C32: RM: 13. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. April 2018_Chargeback Reason Code Encyclopedia. Specify the default reason code that you want the system to assign when you enter a chargeback amount. 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. reasonable and that the transaction did not exceed this amount range. This can happen to merchants in a high-risk credit card processing category. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. About American Express chargeback reason codes. Complete Guide to Visa Compelling Evidence Update CE 3. American Express . Updated: Valid values updated. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)See the definitions of the various chargeback codes you maybe receive during the chargeback process. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. A chargeback reason code can offer merchants a lot of information, including which chargebacks you should fight and how to rework your return policy. Category. Try Shopify free for 3 days, no credit card required. It is associated with a chargeback reason code, and it is specific per Card Scheme. Each card network maintains reason codes to cover all the disputes that qualify for. 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. We’ve all been there as an eCommerce owner: you excitedly ship out a $1,500 order to a customer, and then a few weeks later you’re notified that the customer has opened a chargeback dispute. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. However, for simplification, they are divided into eight categories: Fraudulent activity; Authorization issues;. These codes will explain why the chargeback was filed. 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. 4 to this dispute, indicating the purchase was fraudulent in a card-not-present environment. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. VCR Dispute Reason Code 10. US $10,000. 2. the Chargeback. S. This authoritative guide includes the chargeback reason key from each from the four major card netz. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. “Credit Not Processed,” the reason code for unreceived refunds, accounted for 12% of consumer disputes at the height of the pandemic. A reason code is how banks categorize the reason for a chargeback. The third digit indicates the specific reason within that category. Chargeback reason codes. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. A chargeback happens when a customer requests for a transaction to be. 26% - the number of chargebacks that result from undelivered orders. While the updates have been published, they do not go into effect until Oct. But why do they happen? 4 common types of hotel chargebacks. FAQ: What is Chargeback Representment?. Now, compliance cases must be submitted through Visa Resolve Online (VROL). These chargebacks will show up under reason codes that will, on first glance, appear legitimate. Values are: Blank: Use the draft G/L date. You must proactively address chargeback issues. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. Reason Code North-America: Canada and United States of America; Reason Code: All other. What is Visa chargeback reason code 12. Establishment on Full Recourse/Immediate Chargeback Program: FR2:When the customer disputes a charge, the issuing bank then begins the chargeback process. 3: Goods or services were not received: C08: RG: 4855: 13. DD: Unearned (disallowed) discount amount. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. Written by Chargeback Gurus. Chargeback Reason Code. A01 | A02 | A08. “American Express Chargeback Reason Codes | Sift”. This can. Other Fraud—Card Absent Environment. Protect stored cardholder data. Try Shopify free for 3 days, no credit card required. • 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. These codes will explain why the chargeback was filed. [noun]/prow • mow • ə • bjuz/. The third digit indicates the specific reason within this category. Previously, Visa expected the disputing member to start the dispute by filing a pre-compliance chargeback under reason code 98 (now obsolete). Mastercard Chargeback Reason Code 71: Disputed Amount. Mastercard also considers some chargeback reason codes to be indisputable. There is a USD 25 limit for the First Chargeback (Reason Code 22). This definitive guide containing the chargeback reason user from each of the quad major card networks. Reason Code North-America: Canada and United States of America; Reason Code: All other. Today, Visa expects members to communicate through VROL and try to. 101. txt) or read online for free. Each chargeback is disputed by a specific reason code. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. Once filed, the merchant generally has 20 days to respond to the chargeback. Be sure you understand the cardholder’s claim. txt) or read online for free. 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. Preventable Reversible. These symbols stand for reasons why a financial. ”. Click on “report a problem” and select the transaction in question. Identify the type of transaction, such as card-not-present, and use appropriate codes for identifying transactions as e-commerce, telephone order, and Mail order during settlement process and authorization. Like definitive guide involves the chargeback reason laws upon each of the four major cards networks. 4763: FR2: Full recourse: A cardholder is claiming that they did not authorise or participate in a transaction that you. Refund fraud is a form of first-party transaction fraud. 104. 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. 4808 Authorization-Related Chargeback. . Each bank card network has its owner list of reason codes banks must prefer from. Products. 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. The chargeback reason code. The network plans to reduce response times even further to just 20 days in the near future. These codes can help a merchant with an inquiry or chargeback reversal. ) A no-nonsense summary of evidence that proves transaction is legit. Once you receive this notification, you have 11 days to submit a response. But if RDR receives a dispute about a Visa card transaction, it will instead consult the ruleset provided by the. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Based on the information provided, Paymentology will investigate the transaction being disputed. It’s not unusual for a customer to ask you for a refund. The merchant did not receive any returned merchandise. Last updated: August 16, 2023. Chargeback reason code. ”. It can range from 60 to 120 days from the billing date. These codes will explain why the chargeback was filed. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. The terminal action codes are in Table 122 of the 4. When you get a chargeback, it means that the funds from a completed transaction are being taken out of your merchant account and returned to the cardholder. Info Us; In and. However, they don’t address the reason why that chargeback was issued in the first place. Code 4807: Fraudulent Card-Present Transaction. 2. Be sure to communicate with the customer and their bank professionally and courteously. The charge was flagged by the Amex Fraud Full Recourse Program. Timeframe: Under card network rules, a cardholder has up to 120 calendar days from the settlement date to initiate a chargeback (depending on the chargeback reason code). All online retailers have to deal with at least some false positives. Additionally, Amex uses a fifth "Miscellaneous" category. A reason code or a chargeback reason code is a string of symbols (numbers and letters). Mastercard Chargeback Reason Code 73: Duplicate Transaction. AT Authorization Noncompliance. Documentation must be a direct result of cardholder communication. Once your business is approved, we will reimburse you for any eligible disputes (subject to the criteria above) you received during that time and waive any related dispute fees. The sales receipt and/or date and amount of the authorization if other than the transaction date. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. This extra step can be frustrating for Card Members and lead to lost sales. Reason Code 53 Re-presentment Conditions. S. Nevertheless, you must respond to the chargeback based on the given code. For more information on these and other updates, check out our complete chargeback reason. . Chargeback Reason Codes Reason code are the first key to understanding the root causes . Visa chargeback reason codes. “Visa has 28 different reason codes. Chargeback reason codes. Common reason codes Mastercard. Visa chargeback reason codes are used to categorize the reasons for a chargeback. Visa also overhauled its system of chargeback reason codes. Reason codes are important to help merchants address recurring. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. The reason code. Recommend Documents. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Blog and Featured; Success Stories; Chargeback Reasoning Codes; BIN Look-up; eGuides and Reports;. These can be classified into three types of chargebacks. Customers cannot dispute pending credit card transactions; they have to wait for it to actually post to their account before they can initiate a dispute. EMV has been a mostly global standard since 2004. UA06 Fraud – Chip and PIN Transaction. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Chargeback Reason Codes Card Type DISCOVER DISCOVER DISCOVER Reason Code 4502 4534 4540 DISCOVER 4541 DISCOVER 4550 DISCOVER 4553 DISCOVER DIS. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. The network hasn't wholly disallowed some old codes. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). Chargeback Base Codes by Network - 2023 Guide. paper processing and mailing costs. 2. See the list of reason codes below: Card Network. Blog additionally Articles; Success Stories; Chargeback Reason Keys; BIN Look-up; eGuides and Reports;. Valid Values/Format: 22 - First Chargeback Handling Fee. Check the chargeback reason code. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. 0: Changed report name from Downloadable Dispute Report to Case Report. Stage 1: First Chargeback. compliance process depending on whether a chargeback right exists. Technical. This means that Chargeback Protection does not apply to payments you receive prior to enrolling in Chargeback Protection or payments you receive after your enrollment in Chargeback Protection ends. “CVV2” refers to the fact that it is the second-form deployment of CVV (card verification value) technology. reason code information. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. Mastercard has plans to follow suit. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. Partnerships; Integrations; About. All countries outside of US and Canada. 5%. Solutions. Under the legacy Visa Chargeback system, there are 22 chargeback reason codes (And remember, this is just for Visa. Solutions. Additionally, Amex uses a fifth "Miscellaneous" category. Depending on the code, that could mean gathering proof of authorization, signed receipts, proof of delivery, email correspondence and/or the cardholder’s IP address with transaction date and time for online purchases. 101. Overview. R01. It is a valuable resource for anyone involved in the payments industry. 1 Authorisation . For example, suppose a cardholder filed a case about an order processing issue, and you disputed the chargeback. 1: goods not received. 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. This reason code indicates that the merchant. processed the transaction correctly. FAQ: What is Chargeback Representment? TIPS. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. Losing Fraud-Related Customer Disputes If the bulk of reason codes your business sees are fraud-related and you lose these chargebacks after submitting compelling evidence, true fraud. The chargeback can be for the total transaction amount or a lesser amount. The bottom line: true fraud and chargeback prevention requires a more comprehensive. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. 11. Reason code encyclopedia Your comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. Late Presentment Rules: Mastercard. Discover chargeback reason codes are divided into. 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. Mastercard Chargeback Reason Code 73: Duplicate Transaction. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. Reason Code 10: Violation of Standards: The merchant was in violation of one or more of the card network’s regulations. When you do the math, you are looking at a $5,000 penalty per month, along with a chargeback fee of $15-$30 per chargeback, and all the other associated costs. Chargebacks are a major threat to businesses big and small. account_number= Any account number. About American Express chargeback reason codes. 4. C08 - Goods or Services Not Received or Only Partially Received F29 - Card Not Present How to Respond One of the following must be provided in your response: Evidence that. 9808 info@chargebacks911. It's essential to respond within the. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. For scenario A, send an echeck sale transaction with the following data: routing_number=064000101. The good news is, the chargeback reason code should give you a great indication of where to start. This can provide important information to fight the dispute. UA05 Fraud – Chip Counterfeit Transaction. 1. Non-Receipt of Merchandise. None, although there is a $0. These codes are broken down into five different category. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. txt) or read online for free. Time limit - 120 days for ISSUER/CARDHOLDER and 30 days for ACQUIRER/MERCHANT. Reason Code 12: PCI-DSS Non Compliance: The merchant wasn’t compliant with PCI-DSS requirements. FR2 Fraud Full. Include any terms relevant to the transaction, including return, cancellation and. Over the last three years, so-called friendly fraud has become the number-one source of fraud as reported by merchants are forced to deal with. Updated August 23, 2023. If you get a chargeback,. Amex. Protect cardholder data. Valid chargeback reason codes are defined in UDC 03B/CB. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. 3. 15% -. Terms and conditions. 0 is to make the chargeback process more efficient, transparent, and fair. This scenario applies when the arbitration was raised by either the. 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. A chargeback happens when a customer requests for a transaction to be reversed. Coupons and promo codes are designed to attract new customers. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. Understanding these. As chargeback time limits get shorter and shorter, automated technology will become more and more valuable. FAQ: What is Chargeback Representment?. As a merchant, you face the brunt of chargeback losses. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. You can learn more about each one by visiting the Mastercard Chargeback Guide. Spot these types of chargebacks using the below reason codes. Chargeback reason code 75 is issued when a card issuer receives a complaint from a cardholder stating that the name of the merchant that. Discover: Reason Code 4755 Non-receipt of goods or services. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. 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, it's advisable to respond to whatever reason code you received from the bank. 4 Funding Process. The shorthand description is “Transaction Not Recognized. What are Chargeback Reason Codes? Chargeback reason codes are issued by the bank when a customer files for a chargeback. 2. Amex. To start a chargeback process on your AmEx card, follow these steps: Get in touch with American Express by logging into your account. 18167 US Highway 19 N Clearwater, FL 33764 877. Understanding these codes is essential because they'll guide your response strategy. Reason Code Reason Code North-America Reason Description; 4540: F29: Card Not Present (fraud) The cardholder denies participation in a mail; telephone or internet-type transaction. Step 1: Identify the Source. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code F24, which indicates an unauthorized transaction that the cardholder does not believe they should be responsible for paying. . 2. 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. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. FR2 PreArbitration S01 R13 nc P08 R12 sv M01 P17 R21 Curr. Discover Chargeback Reason Codes Explained. . Reason codes are alphanumeric codes that provide the justification for granting a chargeback. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. You must tailor your representment case — including the compelling evidence — to the reason code under. Please refer to chapter 5 for more information. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. 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. See the list of reason codes below: Card Network. These are all the known American Express chargeback codes. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. In short, chargebacks are costly. 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. High Level Visa Chargeback Dispute Flow. A chargeback reason code can offer merchants a lot of information, including which chargebacks you should fight and how to rework your return policy. 103. Upfront Chargeback If we determine we have sufficient information to pursue a Chargeback, we may debit your account up front. These are only a handful of common Visa chargeback reason codes. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. 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. Chargeback Reason Codes for AMEX. 16, 2021. Region. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. ”. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Refer to the following list for accepted values in the field chbk_reason_code. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Make sure to use security codes and AVS. Spot these types of chargebacks using. Chargeback reason code. FR2: Fraud Full Recourse Program: FR4: Immediate. 3. 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. The chargeback initially results in the debit or credit card charge being reversed and the funds that you received for the payment being returned to the customer. UA02 Fraud – Card Not Present Transaction. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. . So don’t spend another second worrying about chargebacks. The deadline for a Chase Bank customer to dispute a transaction is 60 days. Visa chargeback reason code 72 falls under the “Authorization” category. Specify the default reason code to. '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. Number two: Product Not Received chargebacks. However, it is important to note that this reason code is based on the reason given by the customer to their bank. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Clearing. The only way to reveal the cause of the chargeback is to submit a comprehensive and complete response specific to the reason code used. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Code. 5 Categories of Visa Chargeback Reason Codes. Discover is a credit card network and an issuing bank—just like American Express. Also, remember that the time frame for your response includes any processing required by the acquirer. FR2 - Fraud Full Recourse Program. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. It is important for the merchant to know about the American Express Chargeback. 1 Card Recovery Bulletin or Exception File. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. 4. Build & Submit a Representment Case in 4 StepsCost. It is caused by things like beliefs, opinions, morals, regrets, fear, and confusion. Chargeback Reason Codes. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. 3. RDR will send an alert to the merchant, who can either initiate a refund to end the dispute or accept the chargeback. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. 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. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 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. As we touched on earlier, chargebacks can happen due to technical errors. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible MASTERCARD 4802 Requested/Required Item Illegible or Missing Request for. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. There are dozens of reasons why cardholders and issuers dispute transactions. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. 6). Chargebacks from all three categories can show . 08. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. Typical chargeback reason codes are: DA: Disputed amounts. New Visa CE 3. Dispute Best Practices Guide Overview This guide includes: An overview of authorization and transaction processing An overview of retrievals and chargebacks Reason code guidelines for all. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. FR2: Fraud - Full Recourse Agreement: 120: The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. EMV Liability Shift Counterfeit Fraud. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. Reason. Both EFM and ECM measure compliance at the MID level. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Reason Code 81: Fraud. com Europe. Fine Period - month 2 or 3. If the order was genuinely not as described, then the cardholder has a case. American Express chargeback reason codes REASON ODE. Each card scheme has its own time limits for chargeback disputes, which can range from 60 to 120 days from the transaction date. Vantage HouseChargeback Reason Codes Card Type Reason Reason Text Chargeback Category Preventable Reversible Code DISCOVER 4502 IC-Illegible Sales Data Request forConsider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). We would like to submit compelling evidence that the purchase was legitimate. This definitive guide includes the chargeback rationale codes from each of to four major card networks. YES YES by Cardholder AMEX FR2 Fraudulent Transaction Fraud NO NO AMEX P08 Paid. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Chargeback Reason Codes by Network - 2023 Guide. 4846 — Incorrect Currency Code. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps.