S. For situations where reason code 4855 would utilize, issuers have since assigned go use reason code 4853 choose. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. Complete Guide to Visa Compelling Evidence Update CE 3. When a customer files a chargeback, the merchant receives a notification with an applicable chargeback reason code. 1. Unfortunately, a variety of factors—including the rapid growth of eCommerce and online fraud—rendered the reason code system unreliable. 4: Other Fraud–Card-Absent Environment. 3. With that said, you still need to understand the reason codes with any chargebacks from Amex. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. 9905. Invent - UA02 Fraud – Card Not Present Transaction. 0: Changed report name from Downloadable Dispute Report to Case Report. Specify the default reason code that you want the system to assign when you enter a chargeback amount. EMV Liability Shift Non-Counterfeit Fraud. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. the transaction adjustment date for an ATM cash disbursement or PIN-authenticated debit transaction. 2 Compliance CasesChargeback code vs. Key-in your chargeback reason code and get a detailed explanation concerning what it means, how to fight the chargeback, and how go prevent disputes in the future. It's essential to respond within the. Older time limits for disputes vary based on reason code; in many cases buyers have 120 days after a purchase to file a chargeback. If you’re seeing reason codes associated with the “Consumer Disputes” category, it tells you there’s something wrong: either your terms and conditions need updating or you’re not following them like you should. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. 31. All categories. Use clear and consistent billing descriptors. Chargeback of this Reason occurs (Non-Receipt of Goods or Services). MasterCard - 4855 Goods conversely. 4 United Pay Retrieval Reason Code. Reason codes differ by card brand (Visa, Mastercard); a complete list can be found here. 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. To track discounts by tax rate area, use discount reason codes that are the same as the tax rate area code. Chargeback Reason Codes; BIN Look-up; eGuides; Webinars; Knowledgebase;. Disputes & Chargebacks. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Overall returns (all codes): 15%. 1002 - Cardholder disputes billed amount. Using our e-commerce fraud prevention tools, we help lower friendly fraud costs and chargeback rates, but also reduce gift card and coupon abuse, and promote secure login authentication. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. com Discover chargeback reason code RG falls under the “Services” category. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. MasterCard and Visa each have their own chargeback codes. Using our e-commerce fraud prevention tools, we help lower friendly fraud costs and chargeback rates, but also reduce gift card and coupon abuse, and promote secure login authentication. The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Other Ineligible Transactions Under Reason Code 62, Condition 2 . ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. Verifi's Chargeback Dispute Resolution Network (CDRN) is a network of issuing banks established by Verifi to help merchants prevent chargebacks. The chargeback reason codes below explain why this happened. Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. It's essential to respond within the. Date Option. Contact us here or call us at 1. The separation of the Return ReasonCredit 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. The chargeback can be for the total transaction amount or a lesser amount. 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. 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. These codes are given by the card issuer at the point of time that the customer disputes a given transaction. All ACH return reason codes consist of the letter “R” followed by two. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. ] fee collection, funds disbursement, or request for a source document. In theory, the reason code explains why the bank reversed the transaction. “American Express Chargeback Reason Codes | Sift”. During this process, the representative of the institution examines the reasons’ list. What are Amex Reason Codes? Every card network features its own list of chargeback reason codes. These may impact the dispute time limits. Chargeback reason codes have changed. 4512:Chargeback reason code: A standardized code that indicates the reason a charge was disputed and a chargeback occurred. 3. Storing fulfillment costs, prevent chargebacks, and improve customer satisfaction. Each chargeback received a numeric code which is known as the “reason code”. Mastercom is Mastercard’s dispute management platform, which merchants can access via API connections enabled by their acquirer or payment processor. 3. Removed Visa Chargeback Code 60. Here are some chargeback reason codes by card type. Mastercard Chargeback Reason Code 71: Disputed Amount. Fraud (10)& Authorization (11)The chargeback reason code. These are only a handful of common Visa chargeback reason codes. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. Understanding these codes is essential because they'll guide your response strategy. Chargeback reason codes. EMV Liability Shift Counterfeit Fraud. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Discover chargeback reason code 7030. In-Depth Analytics Recognize the really reasons to transaction disputes and solve issues at their source. Proof that the cardholder rejected your attempt to correct the quality. 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. Written by Chargeback Gurus. MasterCard - 4863 Cardholder Will Not Recognize - Potential Fraud. e. 4 Other Fraud Card Absent. 1? Visa chargeback reason code 12. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. 3. We’ll Handle the Chargebacks. 4 Fraud – Card-Absent Environment. Customer Dispute. Merchants can find a. Reason codes are created by the major. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. [noun]/* kə • stə • mər • di • spyo͞ot/. 3? Visa chargeback reason code 13. Contact ChargebackHelp and we can have you sleeping better at night by improving your dispute protection in very short order. ONT: Ontario tax rate area. 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. This will also include accepting valid chargebacks, merchants will not have to manage any actions in. Code. 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. FR4 Immediate Chargeback Program. 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 shorthand description is “Goods/Services Not as Described. The sales receipt and/or date and amount of the authorization if other than the transaction date. 00 EUR as a Withdrawal fee. Investigate suspicious orders. For example, Mastercard has a code which indicates a ‘consumer dispute. The merchant did not receive any returned merchandise. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Discover chargeback reason code IN falls under the “Processing Errors” category. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. 102. When filing a chargeback,. Write a chargeback rebuttal letter (with sample template) 8 Ways to Prevent Chargebacks. Once you know why a chargeback happened, you can start building a case to address the claims that were made. Spot these types of chargebacks using the below reason codes. This can provide important information to fight the dispute. 6. So the company has more incentive to side with customer during cardholder disputes. Fraud. 6. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. 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. • 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. STEP #3: The Reason Code. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. 105. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. A reason code is how banks categorize the reason for a chargeback. Receive the Chargeback. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. This may include: Transaction receipts; Merchant credentials; Customer authorizationChargeback 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—QuestionableThe Takeaway. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. If you get a chargeback,. 4. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. ” 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. 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. 26% - the number of chargebacks that result from undelivered orders. Reason Code. A reason code or a chargeback reason code is a string of symbols (numbers and letters). The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. Survey data from the 2019 Chargeback Field Report found that 82% of merchants surveyed believed that the Visa Claims Resolution process had “little to no impact on chargeback management. American Express: Reason Code C08 Goods or services not received or partially received. Chargeback Reason Codes: Alphanumeric codes issued by banks to categorize the reasons for chargebacks. Discover uses unique codes to explain those reasons to merchants. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Your contact details won't be shared, an email and SMS will be sent to you for ongoing communications. Visa Reason Codes 13. Friendly fraud. 100-187-2013 Standard for image exchange. 5158. The transaction amount and authorization number (ARN. pdf), Text File (. 4. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. Order not received fraudulent chargeback notices is represented with the follow-up reason codes: AMEX - C08 Goods/Services Not Received or Includes Parcel Received. Jan 2020_Chargeback Reason Code Encyclopedia - Free download as PDF File (. Both EFM and ECM measure compliance at the MID level. 2=1020 etc. Card networks send these codes to merchants to indicate. • 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. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. e above 0. This category for scamming chargeback claims is represented with the following reason codes: AMEX - F29 Card Don Presentational. 1, which covers duplicate processing errors, and 12. Looking for Discover chargeback and dispute reason codes? Check this database—Midigator has tips to prevent & fight chargebacks based on reason codes. Discover: Reason Code 4755 Non-receipt of goods or services. 0 rule changes take effect April 15,. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. 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. 120 calendar days after the service was cancelled or the goods were returned; 120 days after credit documentation is issued (day zero is the date published on the document, the date of the merchant’s letter, or the date the issuer received the letter). Reason Code RG : Non-Receipt of Goods or Services ↩ Back to Directory Dispute Card Issuer Discover Reason Code RG Category Service Dispute Claim The cardholder. So don’t spend another second worrying about chargebacks. Each card issuer follows their own standards for defining reason type, code and its format. A chargeback reason code can offer merchants a lot of information, including which chargebacks you should fight and how to rework your return policy. 4846 — Incorrect Currency Code. The cardholder received the merchandise or service but claims they didn’t receive it. 3. In the distribution industry,. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. Chargeback Reason Codes All received credit card disputes include a reason code. 4 to this dispute, indicating the purchase was fraudulent in a card-not-present environment. Friendly fraud. chargeback real reason. For more details feel free to contact Chargeback Expertz at +1 (888) 901-8653 and get hold of an expert. Check with the issuing banks to determine what time limits may apply to you. 3: Defective/Not as Described MerchandiseThe 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. If you set up AAI item RKDxxx (where xxx is the reason code), the system uses the account that is associated with the AAI item. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. F01. 1 = EMV-Liability Shift counterfeit. The business has the chance to refute the chargeback. Chargeback response template for Digital Goods Not Received chargeback. Survey data from the 2019 Chargeback Field Report found that 82% of merchants surveyed believed that the Visa Claims Resolution process had “little to no impact on chargeback management. This chargeback reason code was retired by Visa in April 2018. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. We are writing to dispute the $1980 chargeback with the chargeback reason code 30 Services Not Provided or Merchandise Not Received. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. 0. The cardholder may be the customer or the someone who lent their card to a friend or relative. R13 No Reply. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. If a customer makes a chargeback request on the basis that he or she has not authorised the transaction, the customer's bank will charge the transaction back to the merchant’s bank. 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. It can range from 60 to 120 days from the billing date. Then it chooses the most applicable code for a. com. The system does not accept blank as a value, even if it is defined in the user defined code table. See full list on chargebackgurus. Retrieve thine complete guide to the new Visa reason codes, including all the elaborate information, chargeback time limitation, and other important information to need. Goods / Services Damaged or Defective. 0. To represent a chargeback, you need to resubmit the transaction and include a rebuttal of the cardholder’s claims and documented evidence that proves your case. 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—QuestionableChargeback reason codes are what tell a merchant why a customer is disputing a charge. What is Chargeback Reason Code 30? For Visa: Reason Code 30; For MasterCard: Reason Code 4855; For Discover: Reason Code RG; For American Express: Reason Code 155; Overview: The Cardholder or authorized person did not receive the merchandise or services at the location agreed with the merchant by the agreed date. Here 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. 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. Visa, Mastercard, Discover and American Express all have unique chargeback reason codes. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. Spot these types of chargebacks using. You can see a reason code 11. Chargebacks. While a lot goes into this process, here’s a basic rundown of debit card dispute regulations for merchants: #1 | Examine the Claim. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. Technical. The delivery was delayed. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Chargebacks typically occur when a customer is dissatisfied with a purchase and requests a refund from their card issuer. For card-absent transactions, use all Visa tools, including AVS, CVV2, Visa Secure, and more, to reduce instances of fraud. There are dozens of reasons why cardholders and issuers dispute transactions. 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. To win a chargeback dispute as a merchant, you must have evidence that is compelling enough to persuade the cardholder’s bank to reevaluate the case. While it would be difficult to place a transaction. In fact, 91. As we touched on earlier, chargebacks can happen due to technical errors. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. These are only a handful of common Visa chargeback reason codes. Acquiring Banks: Can do the following, i) Accept Chargeback & Compensation Reason code- AT (Attribute to technical issue at merchant/aggregator) ii) Accept only Chargeback and reject compensation - Reason Code - AC (Issue attribute to the customer) iii) Reject the chargeback - No compensation applicable Process Flow for. However, the issuer must wait at least 15 days. Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. 4846. reason_description: string. MasterCard - 4855 Goods or Services Not Provided. Chargeback Prevention Warnings Resolve customer disputes quickly before they become chargebacks. Then, apply calculations and chart your results. The initial release of this standard does not add, remove or change any Return Reason Codes. “Our broad international experience with the banking industry, our familiarity with each and every credit card network’s unique chargeback guidelines, our proprietary. Chargebacks Tips & Statistics. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. 7. . MasterCard and Visa each have their own chargeback codes. Reason Codes Category 4: Processing Errors. 2. 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. REQUEST A DEMO. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. paper processing and mailing costs. Chargeback response template for Real Wares Not Received chargeback. Examples of discount reason codes are: ADJ: Adjusted discount. Visa chargeback reason code 75 is filed as an honest mistake. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. As a merchant, you face the brunt of chargeback losses. The reason codes are grouped into several broad. Visit Chargeflow Website. Examples of compelling evidence that you may submit in response to a chargeback with this reason code include: Proof that the cardholder approved the quality of goods or services. Every chargeback has a reason code associated with it. Analyze chargeback and wake data by dozens of. For U. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. The American Express chargeback process begins with Amex issuing a chargeback, along with a reason code to explain the dispute to the merchant. 3: Goods or services were not as described: C31: RM: 13. The business has the chance to refute the chargeback. The shorthand featured is “Non-Receipt of Wares, Services, or Cash. 3 falls under the “Consumer Disputes” category. In order to identify the reason a customer disputed a charge, it can be helpful to examine the reason code on the chargeback. What are Chargeback Reason Codes? Chargeback reason codes are issued by the bank when a customer files for a chargeback. 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. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. Spot these types of chargebacks using the below reason codes. Lack of proper chargeback reason codes. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. 4853 – Cardholder Dispute – Goods or Services Not Provided. Encrypt transmission of cardholder data. The most comprehensive guide to chargeback reason codes. The merchant ships the merchandise on time or makes the merchandise available for pick up in good time but forgets to inform the customer. 10. Spot these types of chargebacks using. up under any number of different chargeback . 103. It gets worse. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. Customer Dispute. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested item illegible: 07: Warning Bulletin File: 08: Requested/Required Authorization Not Obtained: 12: Account Number Not on File: 31: Transaction Amount Differs: 34:Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. When the customer disputes a charge, the issuing bank then begins the chargeback process. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. CBR merchants are covered for reimbursement on claims submitted with a fraud or unauthorized chargeback reason code, however our Representment Services will apply to all your retrievals and chargebacks regardless of claim disposition. ”. 10. If the order was genuinely not as described, then the cardholder has a case. Chargeback reason codes are one piece of evidence you can use to make your case. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. ” Those code indicates that the cardholder claims the merchant performed not deliver the goods or services they paid with. On that note, below are some vendor missteps that could result in Visa reason code 13. 5. The major card networks (Visa, Mastercard, Discover, and American Express) established these codes to clearly identify the reason a chargeback was requested. What is Visa chargeback reason code 12. 4. Additionally, one clearing transaction. In simple terms, Mastercard Chargeback Reason Code 4859 — No Show/Addendum/ATM Dispute refers to situations where a customer claims the services purchased from a merchant were not fulfilled. Please note that the most common Chargeback reason code for Allocation disputes is 10. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Step 1: The cardholder disputes a charge. In some cases, Discover notifies merchants of pending chargebacks. ’A transaction event code, or T-code, is a five-character alphanumeric string, such as T0001. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at some. Which is Discover chargeback reason code RG? Discover chargeback reason code RG falls under the “Services” category. The card not present chargeback come in as codes 10. EMV has been a mostly global standard since 2004. Protect cardholder data. Discover: Reason Code 4755 Non-receipts of goods or services. 265. chargeback real reason. Browse. 104. a bank, credit union, etc. As we touched on earlier, chargebacks can happen due to technical errors. Reason codes vary by card brand. 0" or CE3. Chargeback reason code 11. A dispute often has a reason code associated with it. FR6 Partial Immediate Chargeback Program. 3. Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. The tickets were held at the box office, and no signature, swipe or imprint. There are dozens of reasons why cardholders and issuers dispute transactions. In fact, for every dollar lost to chargebacks in 2019, the average merchant lost an additional $2. txt) or read online for free. many chargeback reason codes that exist today. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. The reason code helps categorize the chargeback for the card network and issuing bank, and it also tells the merchant how they can fight the chargeback based on the corresponding reason for the. Code Reason (for Visa) 10.