Examples of compelling evidence that you may submit in response to a chargeback with this reason code include: Proof you submitted the card security code with the authorization request and the issuer authorized the transaction, even if the code was a mismatch or the code wasn’t verified. The customer regrets their purchase. 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. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. ; Resources. Partnerships; Integrations; About. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. Fortunately, chargeback reason codes make it easy for merchants to understand the cause of chargebacks. 0: Changed report name from Downloadable Dispute Report to Case Report. Written by Jenna Acquaviva. 350 E Street, Suite 200 Santa Rosa, CA 95404. 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. The reason_description field lists the chargeback reason. According to Nilson, 56% of global card transactions were done on Visa in 2015. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. 634. Fight; Prevent; Recover; Resources. Try Shopify free for 3 days, no credit card required. 4 Funding Process. While there are many chargeback reason codes, all chargebacks fall into one of three categories:Oftentimes, the reason code assignment is based on limited knowledge and insight. Discover Reason Code UA06 – Fraud: Chip and PIN Transaction; American Express Reason Code FR2 – Fraud Full Recourse Program. 7. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. A TC40 data claim occurs when a customer makes a fraud claim against a merchant. Chargeback Reason Codes and Descriptions. 3 Changed Discover Reason Codes to match what is shown in the UI. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. As a merchant, your focus should be on finding and retaining customers--not chargebacks. This process is called. Fight; Prevent;. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Stage #1: Awareness - be aware of the chargeback response time limitUnfortunately, it is pretty challenging to prevent friendly fraud. Select the value “open”. 3. Jan 2020_Chargeback Reason Code Encyclopedia - Free download as PDF File (. Visa Code # MasterCard Code # Reason. A chargeback filed due to buyer’s remorse is a prime case. Each chargeback reason code has specific rules and documentation requirements. 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. FAQ: What is Chargeback Representment?. 4: 4863 Discover Chargeback Reason Codes Explained. Thanks for following the Chargeback Gurus blog. For the most accurate list of reason codes visit the library on our main website here. The issuer generates a claim, then transmits it to the merchant’s acquirer, as well as to Visa, as a means of noting all reported fraud incidents tied to the merchant. 16, 2021. The Discover chargeback reason codes list is just as extensive as the other major US card schemes, despite being the youngest and smallest of the four. The assigned chargeback reason code outlines why a customer submitted the dispute. UA06 Fraud – Chip and PIN Transaction: 4863 Cardholder Does Not Recognize—Potential Fraud: 10. chargeback: The buyer filed a chargeback with the credit card issuer. Customer Dispute. American Express – Consumer Disputes: C02 – Credit Not Processed C04 – Goods or. Choose the representment amount. The list of chargeback reason codes in this article is organized by card brand and type of dispute. 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. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. If Verify+ detects a mismatch or other dubious operation, the company will notify thou. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. For example, you might get a chargeback on a Mastercard purchase where the reason code is "4853: Goods or services not provided. Category. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. The third digit indicates the specific reason within that category. The most significant category of reason codes is fraud. Chargeback Reason Codes by Network - 2023 Guide. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. 102. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Check the chargeback reason code. Ideally, the chargeback reason code will determine the type of evidence you share. Most banks, however, extend the benefit of the doubt to their customers and will allow the chargeback in most cases, so long as the. Midigator has created a database of reason codes. 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. Proof you used Address Verification Service to validate. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. This definitive guide comes that chargeback reason codes from jeder of of four majority card networks. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Make sure your sales agreements, terms and conditions, and other policy documents clearly address your. Chargeback Reason Coded by Network - 2023 Guide. Chargebacks have both short and long-term ramifications for merchants. 60. Search the Chargeback Reason Code Database. As chargeback time limits get shorter and shorter, automated technology will become more and more valuable. many chargeback reason codes that exist today. Values are: Blank: Use the receipt G/L date. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. Also, just like American Express, Discover functions as both a card network and an. UA05 Fraud: Chip Card Counterfeit Transaction. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRR A reason code or a chargeback reason code is a string of symbols (numbers and letters). Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. Fight;. IN Invalid Card Number . Click “add filter”. For a Mastercard late presentment chargeback to be valid, all the following conditions must apply: The cardholder’s account must be permanently closed. Fight; Prevent; Get; Assets. 2. 4 Fraud – Card-Absent Environment. Step 2: Customer initiates the chargeback. If the order was genuinely not as described, then the cardholder has a case. Eligible Chargeback Reason Codes . 10. A copy of the authorization requests that contains a service code value other than 2xx or 6xx. EMV chip cards can be used in combination with PIN. Get your complete. ” The Amadeus Xchange Payment platform is used by more than 100 airlines to analyze, manage and optimize their complex global payment flows, across multiple sales channels. Visa Chargeback Reason Codes; MasterCard. UA01 Fraud: Card Present Transaction. As soon as a customer requests a chargeback, their bank will reach out to the business’s bank and give them a heads-up that the chargeback has been requested. Late Presentation. 5. 3. Chargeback Alerts: Your Best Defense Against Chargebacks. Key-in is chargeback reason key and get a detailed explanation of what i means, how to fight the chargeback, also how to prevent disputes in the future. Reason codes. UA06 - Fraud – Chip and PIN Transaction. Reason Code UA06 Category Fraud Claim The cardholder possesses a PIN-preferring credit card, but your POS is either not PIN-enabled or allows the shopper to bypass the. Other Fraud—Card Present Environment. When a card is declined, it is in your best interest to accept that answer and either cancel the transaction or ask for a different form of payment. Choose “chargeback and inquiry status” from the drop-down menu. We’ll Handle the Chargebacks. The aim of CE 3. For each reason code, a definition is Chargeback Chargeback reason codes can be confusing, especially since each >> card network has their own designations. for chargeback reason code 4863 (Cardholder Does Not Recognize). Respond to invalid disputes. But cardholders and merchants have different time limits. Info Us; In and. PCI DSS v3. 2. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration. Reason codes vary by card brand. 103. 975. Fraud (10)& Authorization (11)prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 10. 3. Chargeback or chargeback dispute: A claim against a transaction initiated by a customer with their bank, resulting in a forced payment reversal. Aforementioned definitive guide includes and chargeback reason codes from each of the four major bill networks. Category. 5158. Categories For Reason Codes. ”. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. Check the chargeback reason code. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. 3. 3 Fraud – Card-Present Environment. However, it is important to note that this reason code is based on the reason given by the customer to their bank. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. AT Authorization Noncompliance . Under Set Order Status, select None, Refund, or Chargeback. With an eCommerce transaction, 3-D Secure technology works like an online PIN code. 3 is the less common version for card-present transactions. We assign the dispute to you for review in your Customer Area > Risk > Disputes, or send you a webhook. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. Every chargeback has a reason code associated with it. Shopify has four status categories for chargebacks and inquiries: Open: No response has been sent yet and evidence can still be added. Other Ineligible Transactions Under Reason Code 62, Condition 2 . Authorization Noncompliance. Once filed, the merchant generally has 20. Fortunately, chargeback reason codes make it easy for merchants to understand the cause of chargebacks. About Discover chargeback reason codes. 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. . . IN. 102. A dispute often has a reason code associated with it. 10/10/16 Updated: Add. 4. Good Faith Investigation. It gets worse. Provide exemplary customer service. 9808; [email protected] false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. By combining our travel and payment information with Chargeback 911’s specialist service, the industry can automatically spot and efficiently resolve disputes. Fraud – Chip and PIN Transaction. 4846 — Incorrect Currency Code. M01 Chargeback Authorization. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. Blog and Articles; Success Stories;. AT Authorization Noncompliance. Noted the roll up of reason codes 41, 55, 59 and 60 into 53 along with 53’s name change Chapter 4 Added invalid chargeback note for AFD for MCC5542 Chapter 4 Noted the roll up of reason codes 41, 55, 59 and 60 into 53 along with 53’s name change Chapter 4 Changed the name to reason code 53 and 59 Chapter 4 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. Global chargeback volume reached 615 million cases last year. Chargeback time frames - A specific period during which a chargeback can be raised. These are only a handful of common Visa chargeback reason codes. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. com; Europe; Vantage House;2. 10. Visa chargeback reason code 11. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. United States. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. 5. If you believe you have received an ACH return in error, you can contact your bank. Visa groups its various reason codes into several broad dispute categories. The majority includes leader to chargeback reason codes. A chargeback (otherwise known as a dispute) is a way for your bank that issued your card to reclaim money from the retailer’s bank when you do not get the goods or services you paid for, including if the retailer or supplier. Reason codes are important to help merchants address recurring. Response The new reason codes follow a format of two digits, a period, then a third digit. That most comprehensive guide at chargeback reason keys. 5 Visa will also place new rules to effectively target Rules. Friendly fraud. United States; 18167 US Highway 19 N; Clearwater, FL 33764; 877. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal. 2 Compliance CasesAbout American Express chargeback reason codes. Visa, MasterCard, and American Express all list compelling evidence by reason code. Pre-arbitration (pre-arb): When the customer challenges a chargeback won by the business for a second time. However, it's advisable to respond to whatever reason code you received from the bank. 0. The charge submitted represents an amount in excess of the approval code received. The implication is that the merchant is at fault. 6 may be able to represent the transaction and reverse the chargeback with the right. Retrieval: A request initiated by a customer for more information about a charge. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. Fraudulent TransactionsChargeback 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. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. 3 MasterCard Retrieval Reason Codes. reason code information. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. While the format of chargeback reason codes. Please see the below “cheat sheet” for the new 4 byte reason codes. 6. Blog and Featured; Success Stories; Chargeback Reasoning Codes; BIN Look-up; eGuides and Reports;. If you accept credit cards, you accept that some customers will request refunds. Chargeback Reason Codes by Network - 2023 Guide. Chargeback Prevention Alerts Resolve clients disputes speedy before they become chargebacks. Click on “report a problem” and select the transaction in question. A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. / Card-Not-Present Environment RM Quality Discrepancy UA05 Fraud / Counterfeit Chip Transaction RN2 Credit Not Received UA06 Fraud / Chip-and-Pin Transaction >Not Classified UA10 Request Transaction Receipt (Swiped Card Transactions) NC Not. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. 4: . Using the same link provided above, contact PayPal to report the scam. 4807 Warning Bulletin File. Some consumer disputes are legitimate complaints about an order that doesn’t go as planned. Try Shopify free for 3 days, no credit card required. A chargeback reason code is a distinctive two-to-four-character combination of letters and numbers issued by the involved bank to identify why a dispute was initiated. Despite being one of the smaller players among major credit card companies, Discover offers a wide range of chargeback reason codes. This provided a number of insights into the typical. Card Brand Code Description Days to Dispute Dispute Category;. There are dozens of reasons why cardholders and issuers dispute transactions. Articles;Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from card• Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Otherwise, the acquiring bank sends a chargeback notification. Date Option. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. This may include information about the. Both EFM and ECM measure compliance at the MID level. For perspective, the next highest. But why do they happen? 4 common types of hotel chargebacks. The. 2 Authorization Your for Original. ; Help Center Find answers to common questions about Midigator’s technology,. 4: 4863 Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. Solution. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Analyze chargeback and alert data until dozens of metrics. A “No Authorization” code chargeback can also be the. 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 cardholder files a chargeback via their bank. May 2011: 5. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. Download this sample Chargeback Rebuttal Letter. Visa Chargeback Codes. The list of chargeback reason codes in this article. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Fight; Prevent; Recover; Predict; Success Story; Resources. CODE DESCRIPTION. Issuer Review; Allocation. American Express often sends inquiries to merchants, through their acquiring banks, to gather more information about a. Other Fraud—Card Absent Environment. In the case of friendly fraud, that reason could be completely invalid and. Read on for the complete guide to dealing with chargebacks. 800. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. Solutions. Essentially, even a $50 chargeback can become $125 with all the extra fees. Solutions. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 RequestedRequired information illegible or missing 07 Warning Bulletin File 08 RequestedRequired authorization not obtained 12 Account number not on file 31. Administrative returns (R02, R03, R04): 3%. 2 falls under the “Processing Errors” category. This can provide important information to fight the dispute. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. 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. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. Visa recently shortened chargeback time limits from 45 days to 30. But friendly fraud is much more ambiguous. 3. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at some. The reason codes are grouped into several broad. This extra step can be frustrating for Card Members and lead to lost sales. The chargeback process can last from one month to six months. 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. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. “It’s a lot tougher with Mastercard because they only use four main codes. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. EMV Liability Shift Non-Counterfeit Fraud. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. The network plans to reduce response times even further to just 20 days in the near future. Additionally, Discover uses a fifth "No Classified" category. Typical chargeback reason codes are: DA: Disputed amounts DD: Unearned (disallowed) discount amount Note. VCR Dispute Reason Code 10. FAQ: What is Chargeback. to obtain an Authorization Response for the Card Transaction ii the receipt of a from BUS MISC at Yeshiva UniversityThese chargebacks occur to resolve chargeback-related disputes between network members. 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. Chargeback Representment. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Categories For Reason Codes. The most comprehensive guide to chargeback cause codes. Discover uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. A chargeback happens when a customer requests for a transaction to be reversed. It is subject to change and may not include every currently known dispute reason code. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. UA02 Fraud: Card Not Present Transaction. F01. 1. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. 2. 2/12/18 Changes to Visa information for VCR Pgs. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Offer shipment and delivery tracking. The cardholder may be the customer or the someone who lent their card to a friend or relative. reasonable and that the transaction did not exceed this amount range. You should be. R13 No Reply. Step 2: Customer initiates the chargeback. To submit your documents to Wave, use the link in the chargeback notification email, or reply to the email. As a merchant, you face the brunt of chargeback losses. “American Express Chargeback Reason Codes | Sift”. By entering your email, you agree to receive marketing emails from Shopify. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. In the distribution industry,. Specifically, these updates only pertain to transactions that are charged back after Oct. Clerical The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. Some credit card companies also include a short phrase describing the code and chargeback. Step 1: The cardholder disputes a charge. The notification will also specify the terms of the agreement under which Amazon Pay will assist you in handling the chargeback. 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. Chargeback reason codes identify the general reason behind a chargeback. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. 2 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Type. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. Proof the transaction was card-not-present. 4 Ways to Fight Chargebacks: Gather compelling evidence. Most reason codes apply to any merchant, regardless of what’s being sold. In-Depth Analytics Identifier the real reasons for transaction disputes and solve concerns at their origin. If the claim is invalid, the dispute will go no further and no chargeback will occur. 0. Please refer to chapter 5 for more information. EMV Liability Shift Non-Counterfeit Fraud. 3. It depends on the chargeback reason code associated with the dispute. All ACH return reason codes consist of the letter “R” followed by two. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. 4: Other Fraud–Card-Absent Environment. So don’t spend another second worrying about chargebacks. pdf - Free download as PDF File (. Fraud. It’s important to note that chargebacks can occur for reasons such as disputed transactions, insufficient funds, and duplicate transactions. ACH disputes pertain to various parties involved in an ACH transaction, which is an electronic funds transfer facilitated. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. Fraud. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Merchants who believe they have received an invalid chargeback under reason code 12. 12/19/16 Corrected document formatting for MasterCard Reason Code 37. New Visa CE 3. 2. Chargeback Reason Codes by Industry. Once you know why a chargeback happened, you can start building a case to address the claims that were made. In simple terms, VCR introduced five definitive changes to the dispute resolution process: The timeframe for merchant response was shortened from 45 days to 30 days. 1. If the customer’s story matches. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 4846. AT Authorization Noncompliance. You can learn more about each one by visiting the Mastercard Chargeback Guide. Added the following fields - Store ID, Credit Card Chargeback Reason Code. Step #2 | Report the Scam to PayPal. UA06 Fraud – Chip and PIN Transaction; UA02 Fraud – Card Not Present Transaction; UA01. A reason code is how banks categorize the reason for a chargeback. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric.