Today, Visa expects members to communicate through VROL and try to. Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet. eCommerce grew too fast for the payments industry to respond. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 83 Fraud-Card Absent Environment The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Here's a rundown of the most common decline codes: 51 - Insufficient funds: At the time authorization was requested, the customer’s account did not have sufficient funds to cover the transaction. 2 – CBK: Incorrect Transaction CodeThe chargeback reason code list is a standardized set of codes that are used by credit card companies and banks to categorize the reasons for a chargeback request. The most comprehensive guide to chargeback reason codes. 4: Other Fraud — Card Absent Environment: 10. The shorthand description is “Card Recovery Bulletin or Exception File. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback. These codes explain the reason why the chargeback was filed, and the reason. The initial release of this standard does not add, remove or change any Return Reason Codes. A fraudulent chargeback represents much more than a lost sale for merchants. Retry after 10 days. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. Visa Chargeback Reason Codes. Transaction unauthorized make up 30% is all. Reason Code Directory. In the case of reason code 11. In theory, the reason code will pinpoint why the cardholder is disputing the transaction. ”. Reason code 12. Get proper authorization and manual or electronic imprint for each card present transaction. What is Visa chargeback reason code 13. Also, remember that the time frame for your response includes any processing required by the acquirer. Chargeback Reason Codes. Nor is the situation static. Fraud (10)& Authorization (11)There are many reasons a consumer may file a return item chargeback. Knowing these categories helps you further understand the chargeback and identify any problems within your payment solution, customer service, and sales processes. Depending on whether the documentation is required or not, Paymentology will submit these chargebacks on the client’s behalf. 2. Type. Codes 51 (insufficient funds) and 05 (do not honor) are especially common. Mastercard Authorization Chargeback Reason Codes What is Visa Reason Code 11. The most comprehensive guide to chargeback reason codes. What are Amex Reason Codes? Every card network features its own list of chargeback reason codes. View Our Full List Here. 6. Below is a list of Mastercard chargeback codes used in eCommerce. With that said, you still need to understand the reason codes with any chargebacks from Amex. 2. When filing a chargeback,. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. . This is now an obsolete reason code, and issuers have been instructed to use code 4808 instead. 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. Code. As a merchant, your focus should be on finding and retaining customers--not chargebacks. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. 3: Other Fraud — Card Present Environment: 10. 2 is an updated version of legacy Visa reason code 81, which was phased out under the Visa Claims Resolution initiative. Acquirer Use of Message Reason Code 7623. Reason codes give merchants information about the cause of a chargeback and what evidence. Please refer to chapter 5 for more information. So the company has more incentive to side with customer during cardholder disputes. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12,. Step 2 – The issuing bank reviews the chargeback dispute charge and electronically sends the transaction to the acquiring bank. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for. They were mandated by the Internal Revenue Service in 2004 to facilitate tax reporting. Previously, Visa expected the disputing member to start the dispute by filing a pre-compliance chargeback under reason code 98 (now obsolete). 3 – CBK: Requested/Required Authorization Not Obtained 12. Blog. Partners. Case Studies. Previously, Visa expected the disputing member to start the dispute by filing a pre-compliance chargeback under reason code 98 (now obsolete). When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. The same is true of all chargeback reason codes. FR6 Partial Immediate Chargeback Program. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. ”. 1 to 10. 13. Below is a comprehensive list of the most common Mastercard chargeback reason codes and their explanations, along with prevention strategies you can implement to reduce the likelihood of chargebacks. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Download this sample Chargeback Rebuttal Letter. Paid by alternate means and card. Common ACH dispute codes. The Online Chargeback Management guide (PDF) is to help merchants input debit adjustments. R13 No Reply. Visa chargeback reason code 75 is filed as an honest mistake. The purpose of reason codes is to help merchants realize the intent of a consumer’s dispute; however, if they are attempting to obtain goods/services for free, they do not provide any meaning. Technical. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. For a more detailed explanation, as well as a list of Visa’s individual codes, please refer to our guide on chargeback reason codes. All other reason codes are up to 120 days from the transaction date. 04/09/14 Discover: DC, U02. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. If the order was genuinely not as described, then the cardholder has a case. Spot these types of chargebacks using the below reason codes. These codes can. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute. The merchant can choose whether or not the reason makes sense and. This code is unique—at least currently—in that Visa has since split it into two separate categories: 12. About Discover chargeback reason codes. 4808 – Authorization-Related Chargeback – Multiple Authorization Requests. A WORD OF WARNING: MATCH reason codes are not the same as chargeback reason codes. Visa Chargeback Reason Codes; MasterCard. Explore more ACH Return Codes. 5: Visa Fraud Monitoring Program: 11. ©ACH return codes and explanations for R01 – R33 returns. 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. Solution. 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. Note: If there are no Motives applicable to the Reason Code, this field contains “0. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. When a chargeback is submitted, the issuing bank selects a reason code from the list provided by each card network. 1. Reason Card Type Reason Code Description Merchant Action Code This chargeback occurs because of a dispute on an Airline sale involving allegedly fraudulent card transactions. View the Medicare reason codes list. The claim often, but not always, involves automated teller machines (ATMs). Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds. 2. Chargebacks are initiated when a cardholder disputes a transaction, resulting in a reversal of their original payment. Administrative returns (R02, R03, R04): 3%. P04 – Charge Processed as Credit. Reason Code Directory. 1 Merchandise/Services Not Received. American Express Chargeback Reason Codes. Other Fraud-Card Absent Environment, No Cardholder Authorization, Card Not Present Fraud, Cardholder Does Not Recognize - Potential Fraud, Disputed Transactions (Reason Code-45),. Identify Your Chargeback Triggers. C18 – “No Show” or CARDeposit Cancelled. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. Ensure your terminals are EMV compliant. 3 is the less common version for card-present transactions. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. The Visa chargeback reason codings system underwent a major overhaul in May 2018 as part of their new Visa Claims Resolution (VCR) initiative. Card-not-present chargeback. 1 – EMV Liability Shift Counterfeit Fraud. The chargeback reason codes below explain why this happened. C02 – Credit Not Processed. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback MitigationDiscover uses the four main categories to organize its reason codes: Authorization, Service (Discover’s name for Card Member Disputes), Fraud, and Processing Errors. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. 65 - Withdrawal limit exceeded: The transaction would exceed the. To contest the chargeback, you must show strong evidence that the transaction was valid. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card. [noun]/* fren • dlē • frôd • /. CHARGEBACK REASON CODESM10 Vehicle Rental – Capital Damages. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. 1: EMV Liability Shift Counterfeit Fraud: 10. When used at the point of sale, the transaction is. Be careful not to process canceled or voided transactions. 7 – Cancelled Merchandise / Services. Transaction can be sent again. D. The sales receipt and/or date and amount of the authorization if other than the transaction date. By taking the action advised by Mastercard’s logic, merchants and acquirers will be more likely to receive an authorization approval. For defects or “Not as Described” cause codes, the 120. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. This reason code is accompanied by a fraudulent reason code (UA). Again, banks should not really be using 4807. A family member used the card without the primary cardholder's knowledge. For a more detailed explanation, as well as a list of Visa’s individual codes, please refer to our guide on chargeback reason codes. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. 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. But for illegitimate claims, the reason code doesn’t give the real reason for the dispute. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. That said, looking up purchases using this number can make it easier to provide info following an. Visa Chargeback Reason Codes. The merchant processed a transaction the cardholder wasn't a part of. Learn about the different chargeback reason codes and what they mean. The chargeback report shows the status of all chargeback disputes. 30. Automated Clearing House return codes, reasons, and details. 1 – CBK: Late Presentment 12. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. 3 applies when a cardholder claims a charge—made in a card-present environment—was. C31 – Goods / Services Not As Described. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback MitigationVisa chargeback reason code 70 falls under the “Authorization” category. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. The code replaces Visa’s legacy reason code 41. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. The chargeback reason code is important in determining the evidence you need to provide to successfully win the chargeback dispute. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. MasterCard: Reason Code 4859 Services not rendered. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Goods and services not as described or cardholder received defective goods or services 3. This is a code taken from the card scheme’s published list, which identifies why the issuer filed the dispute: Visa Chargeback Reason Codes. The latest edition of Visa’s core rules (effective April 2023) introduced Visa Compelling Evidence 3. Learn the details, the cause, how to respond and how to prevent Visa Reason Code 13. 78. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. news & updates. To quantify the total cost of fraud, we break down the many losses that accrue along the purchase journey of a fraudulent $100 sale. These disputes are commonly referred to as friendly fraud. “Goods Not Received” also jumped to 9% of repudiated transactions as customers attempted to recoup losses for canceled flights. 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. Retrieval Request/ Copy request Reason Codes. It’s even more frustrating if you don’t understand what the chargeback code means. 0. Code 4807 was used to cover various authorization-related. Declined Authorization Authorization Visa Code: 11. Code. Both EFM and ECM measure compliance at the MID level. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. 1? Visa chargeback reason code 11. Each time a consumer files a chargeback, the merchant is hit with a fee ranging from $20 to $100 per transaction. View the entire list. 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. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Discover - RG Non-Receipt of Goods, Services, or Cash. Among the information contained in this package is the chargeback reason code. FR4 Immediate Chargeback Program. 13. You may also receive this code if the transaction was. 8 – Original Credit Transaction Not Accepted. Process reversals and credits promptly. 5: The chargeback under normal situations should be executed in under 120 days in all religions other than US Domestic. The shorthand description is “Merchandise/Service Not Received. 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. 1002 - Cardholder disputes billed amount. Explanation. As mentioned earlier, the given reason for a chargeback may be far different from the actual reason. If you have a check or draft returned, pay close attention to the reason code so you know if you can redeposit the item. Stage 1: First Chargeback. 4 Funding Process. For instance, some reason codes allow cardholders over a year to file. September 2011: 5. 8 – Original Credit Transaction Not Accepted. 1. The client can define the chargeback reason code. NACHA Return Codes. Once you receive this notification, you have 11 days to submit a response. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback MitigationCustomer Dispute. Friendly fraud occurs when a customer accidentally or deliberately files a chargeback on a legitimate transaction, instead of trying to first obtain a refund from the merchant. R03 Insufficient Reply. However, please note that a ‘Re-presentment’Mastercard Chargeback Guide is a comprehensive document that explains the rules and procedures for resolving disputes between cardholders, merchants and issuers. What follows is a quick reference guide for all the current reason codes for each of the four. ; If the acquirer bank. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. 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. Different card networks have different reason code systems. Always ask for authorization regardless of the transaction amount. The other member could accept the chargeback or contest it, escalating the dispute to compliance where Visa adjudicates. This process is called a chargeback. Even learning all the terms and rules won’t keep you. 4870 – Chip Liability Shift. may be reversed if merchant can provide proof that the correct fare was quoted to Cardholder; That<br />. Visa Chargeback Reason Codes. Scenario 2. Here are the two possible scenarios: 1. One of these changes was an overhaul of Visa’s list of chargeback reason codes. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. 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 TRRReason Code 02. If the dispute is invalid, provide documentation that proves the reasoning: the merchandise cleared the merchant’s customs but is being held by the customer’s customs agency, the dispute amount includes the cash-back portion of the transaction, or the dispute is for a purchase made at an automated fuel dispenser. For example, 'R04' indicates that an invalid account number was. For each reason code, a definition is Chargeback Reason Codes. to research a chargeback or reversal case, which is related to an authorization or fraud related chargeback reason code. © CHARGEBACK REASON CODES Reason. About Careers Contact. Reason Code 12. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. There are over 50 chargeback reason codes between all the major card brands. MasterCard’s Corporate Purchasing Department Account Program does not have rights for the following message reason codes: 4835 — Card Not Valid or Expired. 4, 12. Thus, the easiest way to prevent chargeback reason code 75 from being. Select a tab to see the possible. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. Company. Declined Authorization Authorization Visa Code: 11. Card Number: Alphanumeric: The first 6 digits, followed by. 4837 — No Cardholder Authorization. 4871 – Chip Liability Shift – Lost / Stolen / Never Received Issue. Below is the list of reason codes broken down by the card brand, with detail as to what specific evidence or information needs to be provided when responding to a retrieval request. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. It doesn’t help matters that travel is a high risk industry for credit card payments and with 100+ reason codes across all issuers, making sense of them all is a challenge. The issuer reviews the case, assigns a reason code, and initiates the chargeback. The following is a list of Walmart deduction codes, definitions, and corresponding EDI: Paper Code: EDI: Definition: 001: F1: Defective: 002: 15: Return recall: 003: GG: Unsellable merchandise: 010: 01:. Every credit card network maintains a list of short alphanumeric codes that identify each valid chargeback reason and the conditions that must be met for them to be granted. 100187 and ANSI X9. Visa Claims Resolution consolidated the company’s previous roster of chargeback reason codes into four fundamental dispute categories: Fraud; Authorization; Processing Errors; Consumer Disputes; The reason codes are broken up into general, related categories. Chargeback reason codes. Reason Code 53: Not as Described or Defective Merchandise. Notification of Fraud. View the entire list of reason codes below or search our database for specific insights. 3 – Not as Described or Defective Merchandise / Services. There are two types of invalid chargebacks. 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). Some reason codes have modifiers that can change what evidence is required, or that require additional evidence in the chargeback response. C05 – Goods / Services Cancelled. Request Transaction Documentation for Keyed Card Transaction. F02. 3 – CBK: Fraudulent Transaction: No Cardholder Authorization 10. When disputing a chargeback, select the document(s) that support your case, attach. Visa chargeback reason code 75 is filed as an honest mistake. 1 chargeback: The merchant failed to ship the merchandise or provide the service as agreed. 13. 4 – Counterfeit Merchandise. Learn the details, the cause, how to respond and how to prevent Visa Reason Code 13. Incorrect transaction amount or account number. The other member could accept the chargeback or contest it, escalating the dispute to compliance where Visa adjudicates. P03 – Credit Processed as Charge. When a cardholder has an issue with a transaction, they can contact their bank to dispute the charge. Dispute network reason codes categorization . Concerning Native Expres chargeback reason codes. In the case of friendly fraud, that reason could be completely invalid and. WEX began issuing chip cards in Q4, 2020. And each reason code has unique compelling evidence requirements if you choose to fight. Even learning all the terms and rules won’t keep you. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. This provided a number of insights into the typical. The client can define the chargeback reason code. To determine the problem, you need to examine customer interactions, transaction details, and business practices. Each major credit card company has its own list of chargeback reason codes that describes the chargeback. Research and familiarize yourself with the specific chargeback reason codes used by your industry or payment processor. 4853 Cardholder Dispute. . Visa chargeback reason codes, for example, are numerals with decimals. This category of fraudulent chargeback is represented with the following reason codes: AMEX - C08 Goods/Services Not Received or Only Partially Received. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case. Chargeback Reason Codes. ACH Return Codes. View the entire list or search for any chargeback reason code. Additionally, Amex uses a fifth "Miscellaneous" category. The codes also appear on financial reporting associated with disputes. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. Now, the cardholder claims the purchase was unauthorized. Reason Code – 10. 1 applies when the issuing bank receives the same transaction more than one time. Step 3 – The acquiring bank receives the chargeback. Find explanations for the major credit card issuers dispute reason codes in the Cardholder Dispute Reason Code EncyclopediaAlternatively, you can find the list of Klarna dispute notifications in your Customer Area by going to Risk > Disputes > Requests for Information. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. Partners. About Visa chargeback reason codes. Motive: • Numeric value that represents an explanation of the Dispute than can be viewed on the . 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. Midigator has created a database of Visa reason codes. [1] Sift. Chargeback Reason Codes Page 2 of 5. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. 2 chargeback if you override a declined, referral, or pickup authorization message, but process the transaction anyway. But knowing more about your business, knowing where the gaps could possibly be, and. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Chapter 2 1. Goods / Services Damaged or Defective. Description: Reason Code: Explanation: Incorrect Card Number: American Express P01, P22; Discover IN; Mastercard 4808; Visa 12. Below are some examples of more common reason codes. 4 applies to eCommerce, whereas code 10. Use this resource to prevent and fight chargebacks with greater accuracy. Each card company has its. The key below describes the applicable classification and code structure of. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Category. About Mastercard chargeback reason codes. Chargeback prevention strategies vary based on the reason for the dispute. Defense documents should only be supplied if all requirements have been met. M01 Chargeback Authorization. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. 2. For merchants, the deadline to respond is 30 days for Visa chargebacks and 45 days for Mastercard chargebacks. online) purchase. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback MitigationChargeback Reason Codes by Industry. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. 7 Violation for Coercion Claim. 1And if the merchandise was returned for late delivery, the issuer should wait 15 days after the return of the merchandise before filing a chargeback. How to. Mastercard Chargeback Reason Code 70: Chip Liability Shift. So don’t spend another second worrying about chargebacks. 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. Updated August 23, 2023. Step 2: Customer initiates the chargeback. 5, and all aspects of chargeback reason codes, with proprietary technologies and. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Now, 10. Chargeback reason code 10. 4 – CBK: Fraudulent Transaction: No Cardholder Authorization 11. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. There are several types of Mastercard chargeback reason codes, each with its own unique set of circumstances. Company. 4. 0: Changed report name from Downloadable Dispute Report to Case Report. Support; Login. Evidence Required. Some of these reason codes are specifically designated to apply to authorization-related issues. 2=1020 etc. 13. ; This chargeback can be. 4846. About Careers Contact. the chargeback reason code, the issuer/acquirer, and the end customer’s buying. When a chargeback is filed, a bank selects the code that best fits the reason a chargeback was filed. S. A cardholder claims that they did not receive the service or merchandise they ordered. #9. 6). S. Mastercard Chargeback Reason Code 71: Disputed Amount. If you believe you have received an ACH return in error, you can contact your bank. The shorthand description is “Warning Bulletin File.