The. 2. Updated: Valid values updated. The most popular type of disputes of the chargeback category. 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 authorized face-to-face. If your chargeback ratio is high [i. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. It’s even more frustrating if you don’t understand what the chargeback code means. Include any terms relevant to the transaction, including return, cancellation and. This may include: Transaction receipts; Merchant credentials; Customer authorizationReason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Chargeback reason codes have changed. 1 Card Recovery Bulletin or Exception File. They give consumers recourse against fraud and errors, which preserves public confidence in credit and debit card payments. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. Chargeback Reason Codes by Industry. A02 No Valid Authorization. United States. 634. Though the credit card networks have a vast choice of codes, loopholes still happen. United States. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. 6: Credit not. 3 Changed Discover Reason Codes to match what is shown in the UI. 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 include information about the. Below stated are some, Chargeback Response but not every, examples of particular documents that could be used as proof: Verification codes (authorization, AVS, card security code, 3D Secure 2. The codes for each card brand are listed below along with the recommended documentation to provide. 6). 7. At Visa they used to receive reason code 98. The first thing to understand is that not all chargebacks are the same. Read the Chargeback Advice letter carefully. 4807 Warning Bulletin File. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. From there, the merchant can look up the code to figure out what the dispute is about. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. com Europe. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. Reasons for a second filing might include the discovery of new information or a change of the reason code. Collect Compelling Evidence. 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. 3 – Other Fraud, Card-Present Environment 10. Reason Code 03: Laundering: The merchant processed transactions that did not involve a bona fide cardholder: Reason Code 04: Excessive Chargebacks: The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds:. e above 0. S. If using any other currency than this, it should be equivalent to the specified amount. Each bank card network has its owner list of reason codes banks must prefer from. 0 and its benefits; Difference between current and. This extra step can be frustrating for Card Members and lead to lost sales. Fraudulent transactions almost always lead to chargebacks, and chargebacks are also. Additionally, evidence suggests merchants win more than 30% of chargeback disputes. Description: Reason code for applying handling fee. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directly. After the introduction of Visa Claims Resolution, Visa set the goal of resolving all disputes in less than 31 days. What is Visa chargeback reason code 13. Let’s say you got a Visa chargeback with. Reason codes give merchants information about the cause of a chargeback and what evidence. the chargeback reason code. 7. A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. 9808 [email protected] immediately identifies a chargeback as being the result of first-party misuse. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. There are 151 chargeback reason codes across the four. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. For example, the merchant bills the cardholder in installments. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. non_receipt: The buyer claims they didn't get the goods or services. That's why we've created this guide, which goes over what reason codes. Please refer NPCI OC- 93 for details. Check with the issuing banks to determine what time limits may apply to you. 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 Transaction Amount Differs 4834 Duplicate. This information should be based on the Visa chargeback reason codes assigned to the case. 4 applies to eCommerce, whereas code 10. processed the transaction correctly. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. 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. Vantage HouseCard issuers and card networks deem certain chargeback codes to be nearly indisputable by merchants, and as a result, a merchant can be charged a fee of up to $500 by card networks for submitting a dispute of such chargebacks. What is Visa chargeback reason code 13. Chargebacks have an important role to play in the payments ecosystem. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. For best results, your chargeback win rate should be as close to 100% as possible. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. American Express is incentivized to keep their customers happy. CHARGEBACK REASON CODESChargebacks. 11. F01. This is a fairly common chargeback reason that can. 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. According to our research, friendly fraud will represent six out of every ten chargebacks filed in North America by 2023. Protect cardholder data. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. For most cardholders, the easiest way to dispute a charge is to contact their issuing bank through their preferred customer service channel. UA05 Fraud – Chip Counterfeit Transaction. The card network then notifies the merchant’s acquiring bank about the chargeback and passes along all the collected information. Card networks send these codes to merchants to indicate. See moreChargeback reason code 98 was used to describe any exception that fell into that category. It can range from 60 to 120 days from the billing date. The most comprehensive guide to chargeback reason codes. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingChargeback Reason Codes All received credit card disputes include a reason code. For instance, if the customer claims unauthorized purchase, your letter should cite evidence, such as an IP address matching previous purchases, to support. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. The main chargeback reasons look like this: Malicious fraud. Your chargeback response must include at least one of the following items: Proof the transaction was authorized and presented within the allotted time frame. Chargeback reason code 10. Each card. Usually, there will be a straightforward and user-friendly way to dispute a charge over the phone, on the web, or through their online banking app. Chargeback reason code 98 was used to collectively describe any exception that fell into that category, but newer mandates have rendered the code o. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). Every chargeback is filed with a reason code that identifies the given reason for the dispute. As we touched on earlier, chargebacks can happen due to technical errors. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. Whenever an incorrect account number is processed, or the. Each chargeback is disputed by a specific reason code. What are the odds a merchant will “win” the chargeback dispute? The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Betty's issuing bank assigned chargeback reason code 10. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. Visa chargeback reason code 11. 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. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. And the best way to win a chargeback dispute is to stop a. 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. Visa, MasterCard, and American Express all list compelling evidence by reason code. These chargebacks will show up under reason codes that will, on first glance, appear legitimate. There are two parts to this. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. Following is the list of Chargeback Reason Codes used by MasterCard: MasterCard Chargeback Reason Codes Reason Code: Category: Description: 4802: Request for Information: Requested/Required Item Illegible or Missing:. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. FR6 Partial Immediate Chargeback Program. ; Resources. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. This code helps you identify the exact cause of the dispute. As a merchant, you face the brunt of chargeback losses. 4: Other Fraud–Card-Absent Environment. The deadline for a Chase Bank customer to dispute a transaction is 60 days. It’s of utmost importance to understand why the customer requested a chargeback. 98%. 4853 Cardholder Dispute. 3 No Authorization. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. 1 chargeback: 1. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. 02/10/16 Added Debit Chargeback Reason Codes. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. Updated Disputes/Chargeback Policy Coming April 2024Section5. The same is true of all chargeback reason codes. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. 11. 9% with at least 100 total disputes. Only by researching the disputed transaction and examining the true facts of the situation can you tell whether a chargeback is legitimate or not. Regardless, merchants must respond to the given reason code. As we touched on earlier, chargebacks can happen due to technical errors. Availability Date: October 24th, 2021. Chargebacks911 can create a customized solution to fit your specific business. All parties are subject to the rules of the card networks, including response time limits. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. 1, "Compelling Evidence for goods/services not4846 — Incorrect Currency Code. There are four primary phases to a Visa dispute: After Visa adopted VCR processes, most card networks altered their dispute cycles to be more in line with that used by Visa. A chargeback is a reversal of funds following a debit or credit card purchase, set in motion when the customer files a dispute over the charge with their bank or credit card provider. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or. For example, American Express has more than a dozen retrieval request reason codes while Discover only has four. It gets worse. 2 Declined Authorization. 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. High Level Visa Chargeback Dispute Flow. Thanks for following the Chargeback Gurus blog. 1? Visa chargeback reason code 12. An ACH dispute results in a chargeback for the business that processed the payment. Non Matching Account Number. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. In fact, 91. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andThe chargeback reason code. The cardholder wins: The bank upholds the chargeback, and the funds are not returned to your account. That suggests that in the times when merchants. Cardholder Disputes. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. 3 No Authorization. chargeback: The buyer filed a chargeback with the credit card issuer. 2. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Chargeback prevention strategies vary based on the reason for the. 3: Goods or services were not received: C08: RG: 4855: 13. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. Now, compliance cases go through Visa Resolve Online (VROL). Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card. g. Suppose the majority of reason codes that your business gets are non-fraud-related, and you lost. When you do the math, you are looking at a $5,000 penalty per month, along with a chargeback fee of $15-$30 per chargeback, and all the other associated costs. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. The aim of CE 3. The great piece of news for the merchant is that the pre-compliance dispute doesn’t influence the chargeback ratio. What Are Chargeback Reason Codes? Chargeback reason codes identify the general reason behind a chargeback. Visa Chargeback Reason Codes; MasterCard. [noun]/* kə • stə • mər • di • spyo͞ot/. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. 98: Other: Good Faith Collection: 99: Other: Pre-Compliance:Dec 6, 2021 — Betty's bank issued the chargeback for $9. Card Type Reason Code Reason Text. 77. Q. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Approval Rating. Mastercard Chargeback Reason Code 73: Duplicate Transaction. The exact time frame will vary based on factors such as the reason code or the card network. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. Across open networks and include account numbers sent over email, instant messaging, text, or chat. Time Frames by Chargeback Type and Reason Code. 4. Also, just like American Express, Discover functions as both a card network and an. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. For perspective, the next highest. With the chargeback code in hand, the merchant can now review the transaction. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. And chargeback guarantees aren't without. Reason Code 12. Accessed October 17, 2022. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Any time. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. So don’t spend another second worrying about chargebacks. Fraudulent Activity. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. 4854 Cardholder Dispute—Not Elsewhere Classified (U. 9808 info@chargebacks911. You may know that every dispute you receive is attached to a chargeback reason code. 7: Defective goods and services: C32: RM: 13. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. You win, but a second dispute is filed: The issuer has the right to file a second chargeback for the same transaction. By understanding the reason behind the chargeback, you can gather the necessary evidence to support your case effectively. These companies can also handle the entire representment process. Download this sample Chargeback Rebuttal Letter. Thus, the easiest way to prevent chargeback reason code 75 from being. This list was generated 5/4/2022. 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. MASTERCARD 98 Good Faith Collection Other NO YES MASTERCARD 99 Pre-Compliance Other NO YES Chargeback Reason Codes Page 2 of 5. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. Please see the below “cheat sheet” for the new 4 byte reason codes. 1. The Chargeback Reason is fraud-related and the Chargeback Notice identifies that one of the below chargeback codes (each, an "Acceptable Reason Code") applies: Acceptable Reason Codes. All of Visa’s existing reason codes were. In general, most retrieval requests are issued to merchants for one of the following reasons: The cardholder wants information for his or her records. Also, they’ll often issue a provisional credit to the customer until there is an investigation on the claim. Incorrect transaction amount or account number. VCR Dispute Reason Code 10. Post Views: 841. MASTERCARD. The card issuer assigns it a chargeback reason code, a simple alphanumeric code to describe the reason for the chargeback. Instead, it needs to be presented as a generic decline. Fraud and chargebacks always result in revenue loss, but they also include fixed-rate fees and other negative consequences. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. Code 10. There are two types of invalid chargebacks. If you've determined the chargeback is meritless, and you know the reason code, below are the five stages of an effective chargeback representment. When you receive a chargeback request, respond promptly with any relevant information or evidence that supports your case. Assemble Your Evidence. Early Warning: Reaching a chargeback ratio of 0. Our family of fintech professionals includes more than 400 members across North America, Europe, and Asia. It is subject to change and may not include every currently known dispute reason code. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. While there are many chargeback reason codes, all chargebacks fall into one of three categories:The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. 4. These may impact the dispute time limits. 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. Currently, the MCC guidelines are maintained by the International Organization for Standardization. Here are some chargeback reason codes by card type. 3: Goods or services were not as described: C31: RM: 13. R13 No Reply. R03 Insufficient Reply. 26% - the number of chargebacks that result from undelivered orders. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). The reason for the dispute was false or inaccurate. 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. Chargeback Reason Codes for MasterCard. If you accept credit cards, you accept that some customers will request refunds. Merchants can find a. lost_card. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. 1. Which fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. 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. Chargeback reason code 13. Your first step is to identify the chargeback reason code, which is a kind of shorthand that indicates why the transaction is being disputed. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. First, after a cardholder contacts the bank to inquire about a transaction, the bank uses VROL to pull detailed transaction information. When one cardholder initiates a dispute with their issuing. 98: Other: Good Faith Collection: 99: Other:Dispute Reason Code: A specific code associated with the reason given by the buyer for initiating the chargeback. [1] Sift. Below is a list of Mastercard chargeback codes used in eCommerce. Now, compliance cases go through Visa Resolve Online (VROL). Versions Affected: v5, v6. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. 3. 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. 98%. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. The latest chargeback rules set by Visa are the answer to the current fraud and chargeback landscape. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. Issuer Review; Allocation. A reason code or a chargeback reason code is a string of symbols (numbers and letters). 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. 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 chargeback transfers funds from the acquirer to the issuer. 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. That said, looking up purchases using this number can make it easier to provide info following an. These codes are broken down into five different category. American Express chargeback reason code C42. AT Authorization Noncompliance. A chargeback can happen when a customer initiates a transaction dispute. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Chargeback reason code 98 was used to describe any exception that fell into that category. Chargeback Reason Codes Reason code are the first key to understanding the root causes . 78. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. Reason Codes Category 4: Processing Errors. 0) Email conversations with the customer; Contracts; Digital usage logsChapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10: Arbitration; Chapter 11: Fraud filters; How to Create the Best Chargeback Responses. After the withdrawal, the bank will create a chargeback reason code, meaning why they made the chargeback, and electronically transfer all the. Each response needs to be unique. Issuing banks follow standard rules to validate a chargeback and then associate it with a specific reason code according to the evidence that was provided. 2. 65% with at least 75 total disputes. Reason codes vary by card brand. 70 USD) 100001: 400: INVALID_REQUEST:. MasterCard does not have an equivalent reason code. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. A08 Authorization Approval Expired. This code collects all the exceptions under its wing. 4812 Account Number Not On File. The chargeback can be for the total transaction amount or a lesser amount. Understanding these codes is essential because they'll guide your response strategy. Reason codes are very crucial to assist. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. 3. The scammer claims to be from the bank, and is seeking to confirm a specific transaction, which the victim denies. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. At the same time, the average chargeback costs $191, with merchants bearing more than two-thirds of the financial impact. Use this guide as a quick resource for Visa chargeback reasons at a. This ranges anywhere from roughly 60 to 90 days after purchase. How long can the issuer wait to file a chargeback? A good faith investigation can be launched up to two years after the original transaction. 18167 US Highway 19 N Clearwater, FL 33764 877. 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. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Try Shopify free for 3 days, no credit card required. Visa Chargeback Reason Codes Reason Code: Category: Description: 30: Non-Receipt of Goods or Services: Services Not Provided or Merchandise Not Received: 41: Cancelled/Returned by Cardholder: Canceled Recurring Transaction: 53:. Vantage HouseChargeback Reason Codes; BIN Lookup; ROI Tool; Company. “American Express Chargeback Reason Codes | Sift”. Review your credit card processor’s policies to understand its chargeback dispute process.