. It is a valuable resource for anyone involved in the payments industry. 4, 13. 15, 2021. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. Updated Visa Reason Codes. Before VCR, Visa reason codes were two-digit numbers that often seemed like they were assigned completely at random. MasterCard Chargeback Reason Codes. 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. The shorthand description is “Declined Authorization. 0 standard that they will enforce from mid April 2023. A risk department can accurately analyze what the issue is with their. For each reason code, a definition is given, along with theStep #2 | Report the Scam to PayPal. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. The shorthand description is “Duplicate Processing. What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. V30. Goods / Services Damaged or Defective. For example, a debit may have been processed instead of a credit, or a credit processed instead. The Authorization chargeback reason codings system underwent a major overhaul on April 2018 as part of their new Visa Claims Decision (VCR) initiative. Visa chargeback reason code 75 is filed as an honest mistake. ” This code indicates the transaction was processed using the wrong Merchant Category Code, transaction type indicator, country or state code, or some other required field. What is Visa chargeback reason code 12. From mid April 2023, Visa will enforce the Visa Compelling Evidence 3. R03 Insufficient Reply. M10 Vehicle Rental – Capital Damages. 0, Visa’s goal was to create a set of requirements that, if met, would provide sufficient evidence to deny the customer’s. 4871 – Chip Liability Shift – Lost / Stolen / Never Received Issue. As mentioned earlier, the given reason for a chargeback may be far different from the actual reason. Fraudulent TransactionsIn 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Compensation Resolution. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. 3. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 — Updated Special Notes. Solution. 3 – Not as Described or Defective Merchandise / Services. If you’re curious about the complete list of response codes for Visa and Mastercard, look no further. Dispute Category. ; Resources. Merchants should review these codes, track which ones they receive, and respond to inquiries and chargebacks with the appropriate supporting evidence. This is perhaps the most common claim associated with disputes and chargebacks. 5 Visa Fraud Monitoring Program Mastercard Reason Code 4807 – Warning Bulletin File chargebacks should be filed under code 4808. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. If a merchant responds to a chargeback in full compliance with the initiative guidelines, Visa guarantees the chargeback will be overturned. 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. Which fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. Company. 1 EMV Liability Shift Counterfeit Fraud 81(3) 10. Visa Chargeback Reason Codes In Effect April 2018. 4 chargeback by demonstrating at least one transaction in which the details matched the disputed transaction. Fraudulent. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. It was originally one of several possible scenarios covered by legacy Visa reason code 83. See the charts below for the full listing. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The software can accept transactions made by customers all over the world. Declined Authorization Authorization Visa Code: 11. ”. Here’s a look at the reason codes for the same scenario from the major credit card companies: Visa: Reason Code 30 Services not provided or merchandise not received. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. Reason codes are very crucial to assist merchants to. 1. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Here’s a look at the reason codes for the same scenario from the major credit card companies: Visa: Reason Code 30 Services not provided or merchandise not received. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. The shorthand description is “Declined Authorization. Except for Reason Code 75, the time limit is calculated from one of the following: Fraud chargeback reasons. 1003 - Transaction Supporting Document (TSD) needed. Section 7: Chargeback Reason Codes: Detailed information on the rea-son codes for the most common types of chargebacks that merchants receive . 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. 2 Compliance Cases Visa Chargeback Reason Code 10. To return the originalReference in the SECOND_CHARGEBACK webhook: Log in to your Customer Area; Go to Developers > Webhooks. 4, MasterCard 4837, AMEX F29, Discover UA02, and so on). With VCR regulations, the risk of breaching fraud-to-sales thresholds increases. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,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. Explanation. 1 – EMV Liability Shift 10. Get Reasoning Cipher Cheat Shelf. such chargebacks—in the form of any declarations and Member Message Texts—so the acquirer can correctly identify the issuers’ use of chargeback Reason Code 62, Condition 2. About Discover chargeback reason codes. This book contains the following chapters: • Visa (Pre-VCR) and MasterCard Chargeback Process • Discover Chargeback Process • American Express Chargeback Process • Visa Claims Resolution ProcessResponding to Mastercard Reason Code 4859 Chargebacks. There are some exceptions on the cardholder’s side, though. Even learning all the terms and rules won’t keep you. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. This code indicates that the merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, and submitted the transaction anyway. The issuer’s main limitation here is the timeframe: for Visa chargeback reason code 10. The main chargeback reasons look like this: Malicious fraud. This chargeback reason code was retired by Visa in April 2018. But, it could be up to 540 days, in some situations. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 0 initiative to update compelling evidence requirements for dispute reason code 10. ”. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. Each chargeback comes with a code that designates the reason it was filed. 3 Changed Discover Reason Codes to match what is shown in the UI. Code 12. 5, and you're entered into the Visa Fraud Monitoring Program,. Visa Chargeback Reason Codes;. 11/03/15 Updated these MasterCard Chargeback Codes: 08, 12, 31, 34, 42, 53, 55, 59, 60, 70, 71. 3 – CBK: Fraudulent Transaction: No Cardholder Authorization 10. Chargeback reason code 12. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. Reason Code 04. VISA. UA06 Fraud – Chip and PIN Transaction. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Check out the definitive leadership to all Visa, Mastercard, Amex, and Discover chargeback codes and get aforementioned info yourself need to protective is revenue. 3. In the case of reason code 11. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. 1 – CBK: EMV Liability Shift Counterfeit Fraud 10. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. You can learn more about each one by visiting the Mastercard Chargeback Guide. Need more help? Download Reason Code Cheat Sheets Chargeback Reason Codes. 10. Discover chargeback reason code 7030. Visa Credit Card Dispute Process. 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 recommendations are given for resubmitting the transaction and preventing similar chargebacks in the future. 10. Yes, Visa has provided a new list of Reason Codes and Conditions. The company condensed and revised its reason code list by implementing the Visa Claims Resolution initiative in 2018. 2 – CBK: Incorrect Transaction CodeMasterCard chargeback reason code 4540. Reason codes vary by card brand. The most comprehensive guide to chargeback reason codes. Visa Reason Codes Quick Reference Guide. In order to limit incoming disputes, Visa’s subscription rules affect the following:• Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Chargeback Reason Codes. The cardholder never used the product or service, since they believed the transaction was never processed, and the purchase was. 0? Merchants that authenticate transactions using 3-D Secure 1. View the entire list or search for any chargeback reason code. For card-absent transactions, use all Visa tools, including AVS, CVV2, Visa Secure, and more, to reduce instances of fraud. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. Visa. United States; 18167 US Highway 19 N; Clearwater, FL 33764; 877. American Express. The shorthand description is “Goods/Services Not as Described. Our strategically-crafted arguments are presented in the language bankers understand. Should you find that you need to. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Some reason codes have modifiers that can change what evidence is required, or that require additional evidence in the chargeback response. VISA. Each bank card network has its owner list of reason codes banks must prefer from. The major card networks (Visa, Mastercard, Discover, and American Express) established these codes to clearly identify the reason a chargeback was. 0? Compelling Evidence 3. Section 2: Card-Present Transactions: Requirements and best practices. Visa organizes chargeback reasons into six basic categories — non-receipt of information, fraud, authorization error, processing error, canceled or returned merchandise, and non-receipt of goods or services. 5 Categories of Visa Chargeback Reason Codes. The claim the cardholder is making here is that they did not authorize the transaction and are alleging their card was used fraudulently or that the merchant pushed a transaction through without. The issuer will also claw back the disputed amount from the acquirer. 1? Chargeback reason code 11. Visa has four different common codes for fraud and nine for consumer disputes. Visa Chargeback Reason Codes; Visa Merchant Purchase Inquiry (VMPI) CONTACT. Valid Chargeback Reason #1:Criminal Fraud Valid Chargeback Reason #2:Authorization Errors; Valid Chargeback Reason #3:Processing Errors Valid Chargeback Reason #4:Fulfillment Errors; Valid Chargeback Reason #5:Merchant Abuse; Invalid Reasons to Dispute a Charge; Consumer Consequences for Illegitimate Disputes;. 3 Incorrect Currency. Since these disputes come from the issuer, a merchant response is allowed only under certain conditions. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. Issuer ACS unavailable - Visa generated CAVV. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). 3. 1? Visa chargeback reason code 13. 4 – Counterfeit Merchandise. In general, merchants will have 30 days to respond to each phase of a Visa or Discover chargeback. chargebacks, even on cases where you accept liability. American Express chargeback reason code C31 falls under the “Card Member Disputes” category. Both AFTs and OCTs are often used in concert with one another. This code applies when valid authorization for a transaction. Which is meant to know the reason for the dispute. So the company has more incentive to side with customer during cardholder. Reason Code – 10. The client can define the chargeback reason code. If the cardholder bases the claim on false or misleading statements, it is considered friendly fraud. They must respond within 30 days at each phase, or 10 days for arbitration. 4 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. ©The following tables list Visa’s Reason Codes and time limits for processing a chargeback. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. Reason Code 53: Not as Described or Defective Merchandise. The most significant changes were Visa’s overhaul of their chargeback reason code list and the introduction of the Allocation and Collaboration workflows. The International Organization for Standardization (ISO) sets MCC meanings and classifications, and card processors are responsible for assigning an MCC to a merchant at the start of their. Nor is the situation static. Then it chooses the most applicable code for a. 634. R13 No Reply. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. Some of these reason codes are specifically designated to apply to authorization-related issues. Visa specifies 46 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, Consumer Disputes, and Processing Errors. 1 – CBK: Late Presentment 12. If you wait too long. List and additional information about all reason codes by card brand. 4853 – Cardholder Dispute – Goods or Services Not Provided. Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive . As mentioned earlier, the given reason for a chargeback may be far different from the actual reason. Batch chargeback process. The code replaces Visa’s legacy reason code 41. What Is Visa’s Compelling Evidence 3. The newer system is designed to. 2, which specifically deals with transactions billed by other means. Card Recovery Bulletin Authorization Visa Code: 11. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Note the. Chargeback Reason Codes List for Visa Chargeback Code Chargeback Reason 30 Services Not Provided or Merchandise Not Received 41 Cancelled Recurring Transaction 53 Not as Described or Defective Merchandise 57 Fraudulent Multiple Transactions 62 Counterfeit Transaction 71 Declined Authorisation 72 No Authorisation. 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. PCI DSS v3. 1? Visa chargeback reason code 12. July 2011 Chargeback and Exception Processing Guide. Defense documents should only be supplied if all requirements have been met. Chargeback reason code 4853 is used to designate “Cardholder Disputes,” or disputes involving transactions that a customer claims are incorrect in some way. 10. TC40 is the name of the report that issuing banks send to Visa to report fraudulent transactions as part of its Risk Identification Service, and SAFE ( System to Avoid Fraud Effectively) is Mastercard’s analogous fraud monitoring program. 4853 – Cardholder Dispute – Credit Not Processed. Chargeback . message. 1 –. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. S. 1 Merchandise/Services Not Received. A CVV2 code is a 3-digit code located on the back of a Visa credit, debit, or prepaid card. An ISO allows retailers to process credit cards without having a. Chargeback reason codes (MasterCard only): 4870 Counterfeit. Fraud (10)& Authorization (11)One catch is that CE3. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. VISA 62 Counterfeit Transaction Fraud NO YES VISA 70 Card Recovery Bulletin or Exception FileReason Code 02. To Visa chargeback reason codes user underwent one large overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Reason Code 02: Common Point of Purchase: Account data is stolen from the card-present merchant and used with other merchants. Search reason codes 2. Chapter 5: Mastercard Chargeback. Either the acquiring or issuing bank could initiate the chargeback. A cardholder claims that they did not receive the service or merchandise they ordered. Retrieve thine complete guide to the new Visa reason codes, including all the elaborate information, chargeback time limitation, and other important information to need. Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment) 2. The current list of 22 Visa chargeback reason codes will be replaced with new values and grouped into four new categories of disputes: Authorization, Fraud, Processing Errors and Consumer Disputes. This may affect dispute. This service is usually provided in exchange for a percentage of the merchant’s sales. The CTR is the number of Visa chargebacks received by the Acquirer for a Merchant in a calendar month divided by the number of the Merchant’s Visa sales Transactions in the same month acquired by that Acquirer. While these sets mostly cover the same situations, the numbers and groupings can vary significantly. A list of key Visa policies for merchants is also included . The reason code used to describe the dispute will determine the chargeback time limit. Accidents happen, and it’s. The shorthand description is “Transaction Not Recognized. While the updates have been published, they do not go into effect until Oct. 1: The chargeback time limits may be altered if the resources were assumed to deliver after the execution time period of the payment also. 5: The chargeback under normal situations should be executed in under 120 days in all religions other than US Domestic. Tollbooths and hotels, to use one. Each card company has its own set of codes that indicate the specific reason that a cardholder initiated a dispute. It was originally just one facet of legacy reason code 81. 1 Merchandise/Services Not Received. Chargeback Reason Codes. 4859 Addendum, No-show, or ATM Dispute. UA01 Fraud – Card Present Transaction. 1 falls under the “Authorization” category. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Chargeback Code Chargeback Reason; 10. 1 — EMV. CVV2. What Are Chargeback Reason Codes? Chargeback reason codes are a set of numbers and letters indicating why a. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. From mid April 2023, Visa will enforce the Visa Compelling Evidence 3. With the overhaul of their reason code system, Visa divided reason. Reason codes are very crucial to assist. All the major card networks use chargeback reason codes to convey the reason for a chargeback. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. For merchants, the deadline to respond is 30 days for Visa chargebacks and 45 days for Mastercard chargebacks. Chargebacks. 8 — Original Credit Transaction Not Accepted. 1002 - Cardholder disputes billed amount. Using our e-commerce fraud prevention tools, we help lower friendly fraud costs and chargeback rates, but also reduce gift card and coupon abuse, and promote secure login authentication. 4 Other Fraud Card Absent. 1=1010, 10. A few select Mastercard chargeback reason codes have different Masteracrd chargeback time limits. Each chart network—Visa, Mastercard, American Express, and Discover—defines and maintains their own extraordinary set of reason codes, which are applied toward disputes by the banks that issue credit and liability charts under their brands. Phase 4. Four reason codes have modified time frames: Reason Code 10. The shorthand description is “Goods/Services Damaged or Defective. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. It’s even more frustrating if you don’t understand what the. The codes for each card brand are listed below along with the recommended documentation to provide. 1. e. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. Thus, the easiest way to prevent chargeback reason code 75 from being. October 25, 2023. Reason Code. 5: Visa Fraud Monitoring Program. But if RDR receives a dispute about a Visa card transaction, it will instead consult the ruleset provided by the. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. Chargeback reason code 12. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Visa, MasterCard, and American Express all list compelling evidence by reason code. 6. The client can send Paymentology a list of disputes, using a predefined batch chargeback submission template that has been requested to chargeback. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. CHARGEBACK REASON CODES Before we start looking at the individual errors, it’s important to point out that each card network has its own set of chargeback reason codes. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. You can find the meaning of their response codes by looking them up directly on the Visa and Mastercard developer center pages. Use clear and consistent billing descriptors. Every merchant on the MATCH list is assigned a reason code that explains why they’re on it: 01 Account Data Compromise; 02 Common Point of Purchase; 03 Laundering; 04 Excessive. These codes tell you why the transaction is disputed. 0 is an update to the rules for handling disputes filed under reason code 10. The network. , all rights reserved, to be used solely for the purpose of providing Visa. Card Acceptance and Chargeback Management Guidelines for Visa Merchants i ©2008 Visa Inc. Visa chargeback reason code 62 falls under the “Fraud” category. 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. The first is a catch-all for claims of fraud, while the others typically involve customer disputes over undelivered items,. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. S. This reason code means that the customer claims to have received goods or services that were damaged, defective, or otherwise unacceptably faulty. Every merchant is subject to chargebacks, but your MCC can be a significant factor in what chargeback reason codes can be used against you and what compelling evidence can be used to fight them. This indicates a transaction was processed using a card that Visa listed. These chargebacks occur to resolve chargeback-related disputes between network members. 1 is an updated version of legacy reason code 30, which was phased out under the Visa Claims Resolution initiative. An Visa chargeback purpose keys scheme underwent an major overhaul in April 2018 as parts away their new Visa Claims Resolution (VCR) take. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Go to Midigator®. SECOND_CHARGEBACK. What is Visa chargeback reason code 13. This alphanumeric code corresponds with the specific reason behind the chargeback, such as card-not-present fraud, incorrect currency, misrepresentation, or any other chargeback-eligible issue. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. 4 Other Fraud – Card Absent Environment 93(1) 10. As you can see above, VISA breaks things down in a manner that helps banks and merchants alike know exactly why a chargeback was initiated. Each reason code has its own regulations set by the relevant card scheme. Merchant must provide proof of authorization. 13. Only an issuer can initiate the chargeback process. Chargebacks911® offers the industry’s only data-driven, fully managed solution for chargebacks. 4 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. To easily accomplish accepting cases that you are not going to provide a response to, you may select chargeback(s), (up to 50 cases at a time), by dollar amount or reason code and select “Accept Chargeback”. Whether your chargeback is based on fraud or a consumer dispute, you need to file your claim under the appropriate reason code. Get your complete guide to Discover reason codes, including all the detailed information, chargeback time limits, and other important information you need. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. Net (from Visa) supports all major credit cards, including Visa, Mastercard, American Express, Discover, Diner’s Club, and JCB. Category. Visa uses a numeric scheme for its chargeback reason codes. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. UA05 Fraud – Chip Counterfeit Transaction. These chargebacks occur to resolve chargeback-related disputes between network members. Discover: Reason Code 4755 Non-receipt of goods or services. The Visa chargeback reason codes take the form of two digits followed by a dot followed by a single digit. Chargebacks911 can create a customized solution to fit your specific. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. In contrast, an AFT is basically the inverse of an original credit transaction, or OCT. CHARGEBACK REASON CODESTo avoid redundancy and confusion, we’ll use Visa’s chargeback reason codes as an example. Get of Visa’s current reason codes were condensed into four key groupings: fraud, authorization errors, processing fault, and my disputes. When one cardholder initiates a dispute with their issuing. For each reason code, a definition is given, along with the merchantFor U. For each reason code, a definition isSome costs come directly from Visa and are set by the network. Chargebacks with code 4836 were easy to file and hard to contest, meaning the code was commonly misused by cardholders and issuers. This process occurs strictly between the two banks. American Express Chargeback Reason Codes 32 Appendix F Discover Chargeback Reason Codes 41 . Paymentology will submit the chargeback using the appropriate chargeback reason code . • Section 4: Chargeback Reason Codes— Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Code Reason; 30: Services Not Provided or Merchandise Not Received: 41: Cancelled Recurring Transaction: 53: Not as Described/Defective: 57:List of Chargeback Reason Codes. The tickets were held at the box office, and no signature, swipe or imprint. That definition is pretty broad and vague on its own, though. 2, it’s simple and straight-forward: The merchant attempts in any way to force, circumvent, or override a declined authorization. The shorthand description is “Merchandise/Service Not Received. 13. Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25.