Second presentment: The following cycle of chargeback resolution occurs when the acquirer refutes the issuer’s first chargeback. Either the transaction was processed with a forged EMV chip card or the merchant processed a transaction. - Merchant does not provide a credit through Collaboration for two (2) transactions and credits for the remaining 13 transactions. Description. Reason codes. Each code has a different timeline. 2=1020 etc. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. Include any terms relevant to the transaction, including return, cancellation and. Issuers can only submit a chargeback on. The reason code. 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. 3. 4837 — No Cardholder Authorization. Card networks send these codes to merchants to indicate why a chargeback has been filed. These numeric codes are varied by card network but serve the same purpose. Chargeback Guide - MasterCard Guide. Fraudulent processing of transaction. The issuing bank collects evidence from the customer and categorizes the chargeback using the appropriate, card network-specific, reason code. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. Chargeback Guide28 April 2016. . Cyber-criminals have benefited from on-line banking (OB), regardless of the extensive research on financial cyber-security. Code 4808 refers to authorization-related chargebacks. . Added the following fields - Store ID, Credit Card Chargeback Reason Code. You’ll want to carefully review all chargeback reason codes so you are familiar with the very detailed regulations. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Message reason code 4863 first chargebacks will be included in the FNS count once theFNS fraud chargeback count is two or greater. Additionally, one clearing transaction. Request authorisation not obtained. Investigate suspicious orders. 4: 4863 related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. These codes are notoriously inaccurate; in fact, first-party fraud is predicated on reason codes being inaccurate. When any Chargeback occurs, that will be identified by specific code. Chargeback Reason Codes / Mastercard / 4870 – Chip Liability Shift Dispute Code 4870 Category Fraud Message System Dual Message System DESCRIPTION Why did I. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. Mastercard chargeback reason code 4808 falls under the “Authorization” category. . Visa, MasterCard, and American Express all list compelling evidence by reason code. those with reason code 4871 (Chip Liability. At Visa they used to receive reason code 98. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Fraud (excluding chip 4870/70 and. The new reason codes follow a format of two digits, a period, then a third digit. Match case Limit results 1 per page. EN. 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. [noun]/* kə • stə • mər • di • spyo͞ot/. Spot these types of chargebacks using. These errors are sorted by some of these codes : 4802, 4803, 4841, 4850, 4855, 4870, 4871 and many mores. Several reason codes fall under this heading; it is important to differentiate between chargebacks with reason code 4870 (Chip Liability Shift) vs. Get your completes guide to Mastercard reason rules, containing all the detailed contact, chargeback time limitations, and select important information you needing. 4808: This code can refer to: Account Number Not on File. In the Mastercard chargeback process, an issuer can escalate a dispute and file a Pre-Arbitration case. Make sure customers know how to reach you and that they always get a quick response—leaving a message from an unhappy customer unanswered is always an invitation to a chargeback. 4870: Chip Liability Shift: 4871: Chip/PIN Liability Shift: 4807: Warning Bulletin File: 4808: Requested/Required Authorisation. Chargeback reason codes Jérôme Alimondo Cohen /token 30 March 2023 13:46; National Visa, national and international MasterCard. 4 Proper Use for Issuer’s First Chargeback, changing “optimally” to “as applicable”1. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. ) A no-nonsense summary of evidence that proves transaction is legit. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. 4840 Fraudulent processing of transaction. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration chargeback. 2. Chargeback amount is equal to or less than the exceeded limited /authorised amount. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. 1 = EMV-Liability Shift counterfeit. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. It is subject to change and may not include every currently known dispute reason code. Mastercard uses a four-digit numbering scheme for its chargeback reason codes. American Express . 4870: Chip Liability Shift: Fraud: 4871: Chip/PIN Liability Shift: Fraud: 4807: Warning Bulletin File: Authorization: 4808: Authorization. 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. 4863. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,WEX began issuing chip cards in Q4, 2020. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card. Preventing Mastercard Reason Code 4837 Chargebacks. Batch chargeback process. or order no. In some cases it can be upwards of 540 days, though, depending on. 4870 – Chip Liability Shift. 4871 . com on 5/26/2016. Chargeback Reason Codes by Industry. For example, 10. Fraud (10)& Authorization (11)Chargeback Reason Code 30 - Services Not Provided or Merchandise Not Received The chargeback time limit is calculated based on one of the following: 120 calendar days after the transaction processing date 120 calendar days after the last date the cardholder expected to receive the goods or services (not to exceed 540 days of the transaction. . The tickets were held at the box office, and no signature, swipe or imprint. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. The merchant should see each Chargeback as learning experience. These mandates often involve changes to the transaction process, the addition or removal of certain chargeback reason codes, or changes to the various phases and deadlines involved in the chargeback process. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to. If you have general, cookie-cutter standards, you’ll needlessly. The third digit indicates the specific reason within that category. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. . 196 In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Compensation Resolution. 13. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Some Mastercard reason codes (4808, 4870, 4871, and 4834) allow issuers to skip pre-arbitration and proceed immediately to arbitration. What is a chargeback time limit? The chargeback response. 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. Chargeback reason codes. The chargeback reason code classifies the type of chargeback, the reason for why the . Chargebacks are almost always initiated by customers, but businesses can request them as well (although this doesn’t happen often). 4870. These errors are sorted by some of these codes: 4802, 4803, 4841. Look below the surface. And many U. A dispute often has a reason code associated with it. Verify case lands on to the Review Inbound Chargeback screen. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. Here’s how your store can prevent and deal with chargebacks. This chargeback occurs when merchants do not adequately provide currency information. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Codes are not often shared between issuers which means it can be difficult to remember the details of each. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. . The sales receipt and/or date and amount of the authorization if other than the transaction date. 4 disputes through Verifi’s Order Insight®, which ChargebackHelp clients are integrated with already under CBH+Deflect . Documentation must be a direct result of cardholder communication. Chargeback Guide 28 April 2016 Updated: 10 May 2016 TB . 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. Information on proper voice authorization procedures may be needed for ‘referral’ responses. To better be prepared for what the future might bring, we try to predict how hacking tools might evolve. . Chargeback Base Codes by Network - 2023 Guide. Use this resource to prevent and fight chargebacks with greater accuracy. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. 4870 Chip Liability Shift; 4871 Chip/PIN Liability Shift; 4999 Domestic Chargeback Dispute (Europe Region Only). Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. You must designate the write-off reason code for the system to use when you activate the automatic write-off feature. VCR Dispute Reason Code 10. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. Chargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. Below is a list of American Express chargeback codes used in eCommerce. Check with the issuing banks to determine what time limits may apply to you. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. All chargebacks start with a customer making a purchase in person, in an app, or online. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. It gets worse. 4837 No cardholder authorisation. 3. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. 5. reason code information. For example, the merchant bills the cardholder in installments. F01. 3. Also, just like American Express, Discover functions as both a card network and an. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. These are only a handful of common Visa chargeback reason codes. General Information—added information to theThe issuer reviews the case, assigns a reason code, and initiates the chargeback. There are 12 PCI DSS compliance requirements, broken up into six control objectives: Maintaining a secure network. 0: Changed report name from Downloadable Dispute Report to Case Report. . 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Reason code 4871 falls under the broad category “No Cardholder Authorization,” which generally refers to fraud. 4807 – Warning Bulletin File. 4:. Try Shopify free for 3 days, no credit card required. This means providing evidence that will undermine the cardholder’s claim. High Level Visa Chargeback Dispute Flow. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. 4870 - Chip Liability Shift. 4807 – Warning Bulletin File. And according. A new 4 byte reason code will be used moving forward. The chargeback filing period for cardholders is usually 120 days. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. EN. 4:. ” This code indicates a counterfeit card was used to make a purchase from a card-present merchant who didn't scan the card's EMV chip. Chargeback arbitration is a process in which disputing parties seek a verdict from an independent third party to settle a transaction dispute. Thus, the easiest way to prevent chargeback reason code 75 from being. Only an issuer can initiate the chargeback process. 4. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. UA02 Fraud – Card Not Present Transaction. Visa recently shortened chargeback time limits from 45 days to 30. MasterCard time limits vary depending on the applicable reason code. It is a valuable resource for anyone involved in the payments industry. Updated Disputes/Chargeback Policy Coming April 2024STAR Chargeback Reason Codes; Visa Chargeback Reason Codes; Network Limits; Published BIN Files; 🧭 Best Practices. 4:. 02/10/16 Added Debit Chargeback Reason Codes. View Mastercard_Chargeback_Guide_4. A chargeback happens when a customer requests for a transaction to be reversed. The acquirer also charges the merchant a fee ranging between $5-100. . Review your credit card processor’s policies to understand its chargeback dispute process. Visa chargeback reason code 75 is filed as an honest mistake. 328 Interregional Message Reason Code 4870—Chip Liability Shift. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect. Europe Region Operations Bulletin No. Mastercard Reason codes fall under four categories. - Merchant does not provide a credit through Collaboration for two (2) transactions and credits for the remaining 13 transactions. Square. . Managing vulnerability. Reason code 83 represents a chargeback categorized as. The list of chargeback reason codes in this article. A chargeback is a transaction that is disputed by a cardholder or issuer. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. 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. Protecting account data. 4870: EMV Chip Liability Shift: 4871: EMV Chip/PIN Liability. Reason Code. The Mastercard chargeback flow: Optional: Request for Information (Deprecated) Information Supplied 4846 — Incorrect Currency Code. Collect Compelling Evidence. . Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. 4: 4863 Regarding April HotFix 83179, in the following scenario, should Smart Disputes allow a Fraud chargeback to be resubmitted using reason codes 4837/4870/4871? - 15 Fraud CB's are submitted. 516 Improper Use of Intra-European Message Reason Code 4870. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. To generate a chargeback, the issuer must submit the First Chargeback / 1442 message with the applicable message reason. Counterfeit liability shift likely chargeback outcome table . 4870: Chip Liability Shift: 4871: Chip & PIN Liability Shift: 4905: Invalid Acquirer Reference Data on Second Presentment: Retrieval Request Reason Codes; 6305:The last phase in the MDRI rollout changes the rules for three specific reason codes: 4837 – Fraud (excluding 4870 – Chip Liability Shift and 4871 – Chip/Pin liability shift chargebacks) 4853 – Cardholder Disputer. 517 Proper Use for Issuer’s First Chargeback. If you do choose to dispute these chargebacks, you are putting yourself at risk of incurring additional fees: Reason code. Here’s how reason codes make it easy for you to check the status of your disputes or chargebacks: Mastercard Chargeback Reason Codes Demystified. Visa flagged the transaction under the Fraud Monitoring Program, and the issuer has not filed a chargeback under another reason code. There are several scenarios where a customer may reasonably expect a payment reversal. In other words, if you dispute the chargeback, the case may proceed directly to arbitration. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. 4880 . 0. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. It can range from 60 to 120 days from the billing date. To apply for the Chargeback, the issuer must submit the First Chargeback or 1442 Message with the application Reason Code. Sie haben dann mehrere Tage Zeit, diesen mit den entsprechenden Unterlagen anzufechten. Authorization. A reason code is how banks categorize the reason for a chargeback. Updated August 23, 2023. The time limit for issuers to instigate a first chargeback are calculated based off the Central Site Business Date (the processing date of the first presentment) and are usually 60, 90, or 120 days in duration. Nothing immediately identifies a chargeback as being the result of first-party misuse. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Mastercard Chargeback Reason Code 71: Disputed Amount. 3. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Notes Replace NN with the chargeback count value provided by the Fraud Notification ServiceinPDS0200, subfield2oftheFirst Chargeback/1442message. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. The 4837 reason code allowed acquirers to provide alternate information when the originally-submitted payment information was incorrect. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. TabaPay 1099k Procedures; Transaction Integrity - Network Fees;. The first liability shift went into effect in October 2015 and covered almost all card-present transactions except for those that take place at ATMs and gas pumps. Fight; Prevent; Recover; Predict; Success Story; Resources. Authorization. 4870: EMV Chips Liability Shift 4871: EMV Chip/PIN Liability Shift:. Only by researching the disputed transaction and examining the true facts of the situation can you tell whether a chargeback is legitimate or not. 4802: Requested/Required Information Illegible or Missing. MasterCard uses four main categories to organize its reason codes: Authorization, Cardholder Disputes, Fraud, and Point-of-Interaction Errors. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. This code collects all the. As things. 6. While chargebacks happen for a variety of reasons , the most common reason is that a customer no longer wants the service or product sold to them. 1 chargeback: 1. 3. 4846. min . compliance process depending on whether a chargeback right exists. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. Monitoring and testing networks. chargeback. 4870. 4:. The second chargeback process remains in effect for other reason codes not specified. Specify the invoice date and net due date that you want the system to assign to chargebacks. ’prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 4812: Account Number. 2 – EMV Liability Shift Non-Counterfeit Fraud. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Chargeback Code: Type: Processing Error: P01: Unassigned Card Number: P03: Credit Processed as Charge: P04: Charge Processed as Credit: P05: Incorrect. Specifically, these updates only pertain to transactions that are charged back after Oct. The reason codes help merchants understand the reason for particular chargebacks and better tailor their responses to chargebacks. Values are: Blank: Use the receipt G/L date. Click on “report a problem” and select the transaction in question. 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. Each MasterCard chargeback reason code has its own designated time limit within which it must be initiated. Mastercard uses a four-digit numbering scheme for its chargeback reason codes. If the customer is still. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Proper Use for Intra-European Message Reason Code 4870. The chargeback reason code. Solution. 4870 Chip Liability Shift. There is some precise chargeback reason codes, particularly for MasterCard holder :. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. pdfOverview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed section numbers, reorganized sections to focus on chargeback reasons; of 418 /418. This can provide important information to fight the dispute. . The issuing bank assigns each case a code according to the consumer’s claim, and the merchant must adhere to the time limits for that specific code. 4512: Duplicate Processing:There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. 4: 4863 Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. The shorthand description is “Chip Liability Shift. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. Issuers are allowed to submit a maximum of 35 (FNSCounter limit set as 35) Fraud chargebacks on the same account number after which the Fraud reason codes (4837, 4870 and 4871) will not be displayed in the Choose a Reason Code screen. Refer to the following list for accepted values in the field chbk_reason_code. 1: goods not received. 16, 2021. EN. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity Incorporated the changes announced in “AN 1550—Announcing the Retirement of SAFE Online and Introducing the Fraud and Loss Database”, that includes: Update paragraph three Chargebacks—Maestro POS Transactions > Message Reason Codes for Interregional Transactions > Interregional Message Reason Code 4870—Chip Liability Shift > Proper. Read the Chargeback Advice letter carefully. Sift’s MasterCard chargeback reason code guide features every single MasterCard reason code, its description, expert insights, and real world examples. When any Chargeback occurs, that will be identified by the specific code. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. Mastercard has plans to follow suit. The Square Editorial Team is dedicated to telling. Bhimrao Ambedkar Mahavidyalaya. June 5, 2023. This ranges anywhere from roughly 60 to 90 days after purchase. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. While there are many chargeback reason codes, all chargebacks fall into one of three categories:Or fill in the chargeback form because it seems easier than contacting the merchant directly. 01. Here’s how reason codes make it easy for you to check the status of your disputes or chargebacks: Mastercard Chargeback Reason Codes Demystified. A chargeback happens when a customer requests for a transaction to be reversed. messagereasoncodes4837,4870,or4871. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. Let’s. Be transparent about your products. 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. Overview. On that note, below are some vendor missteps that could result in Visa reason code 13. The terminal action codes are in Table 122 of the 4. Chargeback reason code 4870 has to do with whether or not the merchant in question has installed and is using terminals that can accept EMV or “chip” payment cards. Controlling data access. . 4870/4871 Chip/PIN liability shift/ Counterfeit transaction. Let’s say you got a Visa chargeback with reason code 13. . 1: EMV Liability Shift: 10. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Invalid Reasons for a DisputeM10 Vehicle Rental – Capital Damages. 5. Reason Codes: 08 / 20 / 71 / 72 A card was used either before or after its valid date Never process a transaction on a card prior to, or after, the valid date. It is mandatory to send this field if you async status update is chargeback. Chargeback Guide (PDF) - MasterCard. MasterCard: Reason Code 4859 Services not rendered. 4840 Fraudulent processing of transaction. 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. This reason code covers chargebacks related to the EMV liability shift, which leaves merchants liable for fraudulent transactions in which the card had an EMV chip, but the. Mastercard chargeback reason code 4870 falls under the “Fraud” category. Here’s how. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. Sunday, November 23, 2014 If your business accepts credit or debit cards, you already know the unfortunate truth – chargebacks happen. Mastercard chargeback codes fall in to four categories:. These time limits are established to ensure prompt resolution of disputes and prevent unnecessary delays. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. . The transaction amount and authorization number (ARN. Each bank card network has its owner list of reason codes banks must prefer from. 1 - Card Recovery Bulletin: The transaction was below your credit floor limit and was not authorised. Common reason codes Mastercard. 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. 4 Ways to Fight Chargebacks: Gather compelling evidence. When you receive a chargeback request, respond promptly with any relevant information or evidence that supports your case. These chargebacks occur to resolve chargeback-related disputes between network members. Intra-European Message Reason Code 4870-Chip Liability Shift. Get to complete guide to Mastercard reason codes, including all the detailed news, chargeback time limits, and diverse significant information you needs. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments.