Chargebacks can be challenging,. Card networks like Mastercard allow cardholders to dispute a credit card transaction by filing a chargeback under certain circumstances. Reason code 53 is typically used when a. Code 4807: Fraudulent Card-Present Transaction. ” This reason code indicates the cardholder had reason to believe they were going to receive a refund, but no credit to their account. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. Accessed October 31, 2022. For each reason code, a definition isprenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. “It’s a lot tougher with Mastercard because they only use four main codes. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. From there, a merchant can accept the chargeback or take action through the representment process to attempt to have the chargeback reversed. Either the acquiring or issuing bank could initiate the. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. 2. The merchandise was as described or was not defective. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRRDescription of Change Where to Look Updated Chip Liability Shift table elements Second Presentment Condition bullet #2, Supporting Documents and DE 72. Visa Claims Resolution (VCR) is the new VISA only chargeback resolution process. This list was generated 5/4/2022. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. ”. Unlike other. However, Visa is the largest card brand in both the United States and the world. To provide a successful chargeback representment case, Visa and other credit card companies allow (indeed, they urge) merchants to provide compelling evidence to support their case. Cardholder-Activated Terminal (CAT) 3 Device. UA06 Fraud – Chip and PIN Transaction. Took a deposit via credit card. Card networks send these codes to merchants to indicate why a chargeback has been filed. Visa groups its chargeback codes into four. And you're more at risk if you sell each month. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity If an approved (code 00) response is received, process the refund and credit the cardholder. 3: Goods or services were not as described: C31: RM: 13. Updated the following columns - card type, response due date. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. There are several reasons why a purchase authorization might be declined. Card networks send these codes to merchants to indicate why a chargeback has been filed. ’EMV has been a mostly global standard since 2004. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. 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. Administrative returns (R02, R03, R04): 3%. Across open networks and include account numbers sent over email, instant messaging, text, or chat. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Multiple Authorization Requests. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. The problem is, chargeback reason codes are often misleading. You need a merchant account to succeed if you are a small business. Unfortunately, the final decision in such cases comes down to the issuing bank, and not. Less than 20% of merchants noted a slight decline in Visa chargebacks after VCR, while over 55% reported no decline in chargebacks. The following tables detail the changes made to the chargeback rights and limitations, representment. Chargeback /Dispute; Merchant Response. Remember!message. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. The shorthand description is “Credit Not Processed. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. . See full list on chargebackgurus. 47 Reason Code 75: Transaction Not Recognized. 53, 85; Discover Reason Code 4553, 4756] Lack of Clear/Responsive Communication: Transaction and/or merchant labeled in an unclear or unexpected fashion on the cardholder’s billing statement. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. About American Express chargeback reason codes. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. This may be done by either the merchant or the issuing bank. For the sake of simplicity and standardization, card networks like Visa have created a breakdown of the acceptable causes for a customer to dispute a credit card charge by filing a chargeback. F02. Chargeback Reason Codes. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. Similarly, if a no reason to decline (code 85) response is received, proceed with the refund process and credit the cardholder’s account. 30%: 29. Chargeback Reason Codes by Industry. Updated August 23, 2023. They are as follows: 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. High Level Visa Chargeback Dispute Flow. ”. If the customer’s story matches. Only an issuer can initiate the chargeback process. Write customer-friendly policies. This is commonly caused by either true fraud or friendly fraud. Find out the reason for the chargeback, as identified by the chargeback reason code. Visa Chargeback Reason Codes. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Multiple Authorization Requests. . Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. Reason codes are important to help merchants address recurring. Visa chargebacks can be a major inconvenience for merchants. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. Visa organizes their chargeback codes by categories. 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. After looking up what this chargeback reason code means , you realize that it is because you forgot to issue the refund that you had promised the customer. 11, 16. What is Visa chargeback reason code 13. It is subject to change and may not include every currently known dispute reason code. 13. For each reason code, a definition is given, along with the merchant actions—or failure to act—that may have caused the chargeback,Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831. The new reason codes follow a format of two digits, a period, then a third digit. The shorthand description is “Credit Not Processed. You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. Mastercard chargeback reason code 4834 applies for a specific type of customer payment dispute. Deleted Failure to Compare Signature table Compliance Case Filing, Time Frames andCollect Compelling Evidence. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. The following chargeback reason codes are related to EMV: Visa: 10. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. 91%: 21. 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. 543 Proper Use of Interregional Message Reason Code 4880. A “No Authorization” code chargeback can also be the. Responding to Mastercard Reason Code 4853 Chargebacks. There are over 80 unique return codes, and each one represents a different type of return. 00) minus interchange fees and any acquirer merchant service charge. #9. . Visa chargeback reason code 85 is applied when issuing bank gets a notice from the cardholder that merchandise was returned, but merchant hasn’t refunded, or credit hasn’t appeared on the bank statement. Visa Chargeback Reason Code 85. The incorrect amount being charged. Updated these MasterCard Chargeback Codes: 08, 12, 55. Chargeback reason code 11. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks;. Try Shopify free for 3 days, no credit card required. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. What is Visa chargeback reason code 12. Here the cardholder is claiming that you were supposed to provide them with a refund, but no credit has been applied to their account. Following the prompts. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. American Express chargeback reason code C02 falls under the “Card Member Disputes” category. Fewer chargeback reason codes. Reason Code 53: Not as Described or Defective Merchandise. With the overhaul of their reason code system, Visa divided reason. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. Required Authorization Not Obtained. Chargeback representment succeeds when you can present your rebuttal concisely and substantiate. Billions of dollars are lost every year through credit and debit card fraud. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. These chargebacks occur to resolve chargeback-related disputes between network members. “Visa has 28 different reason codes. Include any terms relevant to the transaction, including return, cancellation and. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. 3. For each reason code, a definition isThere are dozens of reasons why cardholders and issuers dispute transactions. Review the code to learn the reason for the chargeback and any other pertinent details. Reason Code 85: Credit Not Processed. FR2 Fraud Full Recourse Program. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Discover: Reason Code 4755 Non-receipt of goods or services. This scenario applies when the arbitration was raised by either the. Chargeback fraud is…How you respond is determined by the chargeback reason code: Embed This Graphic. 46 Reason Code 74: Late Presentment. . It is caused by not issuing credit, or issuing it but not depositing on time and it didn’t appear on bank statement. 00 EUR as a Withdrawal fee. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRR Description of Change Where to Look Updated Chip Liability Shift table elements Second Presentment Condition bullet #2, Supporting Documents and DE 72. Goods / Services Damaged or Defective. Download this sample Chargeback Rebuttal Letter. 85 Claim Not Processed 0589 SUSPEND ADJUSTMENT FOR PRE-PAYMENT VERIFICATION. It is a valuable resource for anyone involved in the payments industry. The client will send this dispute to Paymentology’s Global support team via email – [email protected] Merchant News and Info, Credit Card Processing Chargebacks are a part of business life. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Specify the default reason code to. Visa chargeback reason code 85 falls under the “Consumer Disputes” category. Chargeback reason code 85 Credit not processed By taking these measures and being diligent about managing their transactions, merchants can reduce the number of chargebacks they receive and protect themselves against fraud and the risks associated with chargebacks. 4512: Duplicate Processing:• Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. If you believe you have received an ACH return in error, you can contact your bank. 4: . . 3. Mastercard uses a four-digit numbering scheme for its chargeback reason codes. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. To help you identify what happened, look up the code you received for the dispute below. This document reflects changes made since the 28 April 2016 publication. 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. 4512: Duplicate Processing:Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that includedSummary of Changes, 10 May 2016. Updated Disputes/Chargeback Policy Coming April 2024It is code Visa Reason Code 85. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. They inform the business about recent activities so that we can solve problems before they get bigger. 543 Message Reason Codes for Intra-European and Inter. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. For example, 'R04' indicates that an invalid account number was. F01. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. In fact, clients who use Midigator spend 85% less time managing chargebacks and reduce costs by 45%. This code is now obsolete, and issuers have been instructed to use code 4834 instead. Today I will review the causes for each of these. Maestro. The sales receipt and/or date and amount of the authorization if other than the transaction date. Last updated: October 15, 2019 . Mastercard Collaboration will be a step in the right direction. ” This reason code indicates the cardholder had reason to believe they were going to receive a refund, but no credit to their account has been processed. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. Overall returns (all codes): 15%. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. Either the acquiring or issuing bank could initiate the chargeback. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from card2. In the case of friendly fraud, that reason could be completely invalid and. Visa, for example, has reason codes: 11. We are home service contractor. 1To do that, take a look at the most common Visa ® and Mastercard ® chargeback reason codes for services: According to data obtained in the annual Year in Chargebacks report, the biggest threat for services is fraud. 4. Accessed October 17,. This chargeback reason code was retired by Visa in April 2018. Chargeback reason codes have changed. Each card network maintains reason codes to cover all the disputes that qualify for. . For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. Check Card A bank card that can be used with a PIN at an ATM or without a PIN at the point of sale, also known as an offline debit card. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. Duplicate Processing - 81 Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. There are two parts to this. Reason Code 73: Expired Card. “American Express Chargeback Reason Codes | Sift”. Dispute information. 85 Credit not processed; 86 Paid by other means; 90 Services not rendered (ATM or Visa travel/money)• Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Notification of Fraud. 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. Here are some chargeback reason codes by card type. Discover chargeback reason code 7030. By entering your email, you agree to receive marketing emails from Shopify. 46 Reason Code 74: Late Presentment. 65 - Withdrawal limit exceeded: The transaction would exceed the maximum. All card brands have their own number of codes). This code applies when customers claim to have a receipt from either a. A chargeback is the potential outcome of a disputed credit or debit card transaction. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Based on the information provided, Paymentology will investigate the transaction being disputed. The newer system is designed to. ECM monitors first presentment chargebacks regardless of reason code or transaction type. Look below the surface. 31. Reason Code: 10. If you're contesting a chargeback, you'll need solid evidence. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. 08. Chargebacks occur when a credit cardholder disputes a charge on their statement with their issuing bank, in order to ask for a refund. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. Once you receive this notification, you have 11 days to submit a response. Once you know why a chargeback happened, you can start building a case to address the claims that were made. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, The Chargeback Reason Codes that fall into this Chargeback Category. Attachment A: Copy of the customer's transaction on xx/xx/xxxx using a credit card ending in XXXX. ACH Return Codes. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. The list. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. A chargeback reason code is a number that helps to inform a hotel why a chargeback was filed. Please note that the most common Chargeback reason code for Allocation disputes is 10. The standard chargeback process involves eight steps: Retrieval request: The card-issuing bank requests that the acquiring bank provide additional information for a given transaction. These are: Reason Code 41: Cancelled Recurring Transaction. 543 Proper Use for Acquirer’s Second Presentment. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. This can provide important information to fight the dispute. Code. 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. 3: Goods or services were not received: C08: RG: 4855: 13. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. Declined. . txt) or read book online for free. EMV has been a mostly global standard since 2004. Using the same link provided above, contact PayPal to report the scam. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingConsider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Visa chargeback reason codes. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. Chargeback Representment. M49 Vehicle Rental – Theft or Loss of Use. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible. 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. As a merchant, your focus should be on finding and retaining customers--not chargebacks. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. 4. FR4 Immediate Chargeback Program. Reason Code 53 re-presentments must be processed within 45 calendar days from the. The list of chargeback reason codes in this article is organized by card brand and type of dispute. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. Section 7: Chargeback Reason Codes: Detailed information on the reason codes for the most common types of chargebacks that merchants receive . ACH return codes identify the reason an ACH payment was returned by the recipient's bank. Below is a list of Mastercard chargeback codes used in eCommerce. Visa. . reason_description: string. 4: Other Fraud–Card-Absent Environment. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. 0. These are: Reason Code 41: Cancelled Recurring Transaction. It was originally one of several possible scenarios covered by legacy Visa reason code 83. 10 min read Have you ever faced a dispute while using your American Express card? If yes, then you might be aware of the chargeback process. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. 8 is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. 11. 3 is the less common version for card-present transactions. 76 - Incorrect Currency or Transaction Code or * Domestic Processing Violation. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingSection 7: Chargeback Reason Codes: Detailed information on the reason codes for the most common types of chargebacks that merchants receive . Visa Chargeback reason code 13. 4 spec (Section 8. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvinginstead 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. It is caused by not issuing credit, or issuing it but not depositing on time and it didn’t appear on bank statement. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, and. Updated Visa Chargeback Code 83. Description of Change Where to Look AN 1193—Revised Standards for the Chip LiabilityVelocity checks (sometimes referred to as “velocity limits”) are a fraud prevention mechanism widely used by eCommerce merchants. For example, MasterCard classifies credit not processed as Reason Code 4860, while Visa has it as Reason Code 85. Mastercard Chargeback Reason Code 70: Chip Liability Shift. A chargeback guarantee is a service provided by third-party vendors that protects merchants against the financial impact of chargebacks. ” But, there is still a process users can go through to recover their money in the event of a genuine, unauthorized transfer, as in the case of account takeover, for example. On that note, below are some vendor missteps that could result in Visa reason code 13. France saw a drop of roughly 50% during the same period. processed the transaction correctly. Analyze your chargeback data. 13. . Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. 49 Reason Code 76: Incorrect Currency or Transaction Code or Domestic TransactionChargeback reason code 83: Duplicate processing: Chargeback reason code 85: Credit not processed: By taking these measures and being diligent about managing their transactions, merchants can reduce the number of chargebacks they receive and protect themselves against fraud and the risks associated with chargebacks. Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable. American Express is incentivized to keep their customers happy. Additionally, one clearing transaction. Every chargeback is filed with a reason code that identifies the given reason for the dispute. Here’s how your store can prevent and deal with chargebacks. Chargeback time frames - A specific period during which a chargeback can be raised. “ Chargeback Fraud Threat Growing as 65% of Chargebacks911’s Respondents Reported an Increase in 2022 “. The chargeback process can last from one month to six months. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Category. It is caused by not issuing credit, or issuing it but not depositing on time and it didn’t appear on bank statement. The shorthand description is “Transaction Amount Differs. . In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. UA05 Fraud – Chip Counterfeit Transaction. Providing multiple payment options to your customers has proven to. The following Visa chargeback code maps are organized by category, as defined by Visa. Phone cases, chargers, and other accessories commonly fall into this category, as technology updates or broken devices may cancel out the need for an item. When a chargeback request is filed a chargeback reason. Discover uses unique codes to explain those reasons to merchants. 47 Reason Code 75: Transaction Not Recognized. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. Protect stored cardholder data. The shorthand description is “Transaction Not Recognized. com 10/22/12. . For each reason code, a definition isDo you want to know how to handle chargebacks in India? Download the Chargeback Guide from Mastercard and learn about the rules, procedures, and best practices for resolving disputes. each reason code has been categorized under four categories Dispute Condition – is the description of the Reason Codes. Alternatively, merchants can use the UI to select from new and refer to legacy codes.