“Visa has 28 different reason codes. Chargeback or chargeback dispute: A claim against a transaction initiated by a customer with their bank, resulting in a forced payment reversal. A copy of the authorization requests that contains a service code value other than 2xx or 6xx. Chargeback Reason Codes. The major card networks have unique reason code systems, and banks use separate tools. Proof you used Address Verification Service to validate. Below is a list of Mastercard chargeback codes used in eCommerce. 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. On the other hand, PayPal—which can serve as a credit card. Cardholders and card issuers can place disputes on transactions for a variety of reasons including product returns, defects, cancelled reservations, and card processing errors. 4853 – Cardholder Dispute – Credit Not Processed. These codes are broken down into five different category. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. 4 Fraud – Card-Absent Environment:These reason codes are divided into three categories depending on the supposed cause of a chargeback: consumer disputes, processing error, or fraud. Discover uses unique key to explain those reasons the merchants. A chargeback happens when a customer requests for a transaction to be reversed. Fight; Prevent; Recover; Resource. Clerical The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. After an ACH chargeback, funds are automatically returned to the original bank account and the initial transaction is voided. A chargeback is the potential outcome of a disputed credit or debit card transaction. 41 4841 Cancelled Recurring Transaction 53 4853 Not as Described or Defective Merchandise 57 4840 Fraudulent Multiple Transactions 62 4870/4871 Counterfeit Transaction Being familiar with the potential chargeback reason codes gives recurringThere are plenty of reasons as to why this would happen, hence the many. In most cases, you will have 20-45 days in which to respond to a chargeback. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. The chargeback process starts when a customer (or, less frequently, their issuing bank) challenges a transaction as invalid. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. UA02 Fraud: Card Not Present Transaction. Accessed October 17, 2022. The network hasn't wholly disallowed some old codes. 4 United Pay Retrieval Reason Code. ” 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. txt) or read online for free. Reasons codes are composed of alphanumeric text attached by a bank when there is a chargeback to explain the reason for the chargeback. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Chargeback Reason Coded by Network - 2023 Guide. 4 Funding Process. 3? Visa chargeback reason code 13. Technical. 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. Respond to invalid disputes. 1: EMV Liability Shift Counterfeit Fraud:. 2 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Blog and Articles; Success Stories; Chargeback Reason Codes; BIN Look-up; eGuides the Reports; Webinars; Knowledgebase; Online; Partners. This will be referenced in the chargeback notice you received. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. AT Authorization Noncompliance. Each chargeback reason has its own, individual prevention techniques. The reasons for the consumer disputes can differ from situation to situation. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. And according. Early Warning: Reaching a chargeback ratio of 0. Discover - RG Non-Receipt of Goods, Services, or Cash. pdf - Free download as PDF File (. 18167 US Highway 19 N Clearwater, FL 33764 877. Invalid Card Number. FR6 Partial Immediate Chargeback Program. Unauthorized returns (R05, R07, R10, R29, R51): 0. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. TC40 data is used to inform banks and card networks when a merchant has an outstanding fraud. 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. Chargeback Reason Codes and Descriptions. 10/10/16 Updated: Add. 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. In-Depth Analytics Identifier the real reasons for transaction disputes and solve concerns at their origin. You’ll put that reason code, the transaction amount and authorization number, and state that the. As we touched on earlier, chargebacks can happen due to technical errors. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. Blog and Articles; Success Stories; Chargeback Reason Codes; WASTEBASKET Look-up; eGuides both Reviews;. Eligible Chargeback Reason Codes . 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. Reason codes are created by the major. Spot these types of chargebacks using. All chargebacks start with a customer making a purchase in person, in an app, or online. The chargeback process can last from one month to six months. EMV Liability Shift Counterfeit Fraud. 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). Check with the issuing banks to determine what time limits may apply to you. Make sense of chargeback reason codes using our directory. Chargeback time frames - A specific period during which a chargeback can be raised. Discover Reason Code UA06 — Fraud/Chip-and-Pin Transaction Learn more about chargeback reason codes The new rules apply both to merchants who have an EMV-enabled system and those who haven’t switched over yet. Late Presentation. 12/19/16 Corrected document formatting for MasterCard Reason Code 37. A reason code helps explain why a transaction was disputed. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. The chargeback can be for the total transaction amount or a lesser amount. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 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. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. EMV has been a mostly global standard since 2004. This ranges anywhere from roughly 60 to 90 days after purchase. Visa chargeback reason code 75 is filed as an honest mistake. 1 EMV Liability Shift 10. American Express chargeback reason code R03 falls under the “Inquiry/Miscellaneous” category. Offer shipment and delivery tracking. Fight; Hinder; Recover; Resources. STEP #7: Bank Review & Decisioning. many chargeback reason codes that exist today. 2. Reason Code 02. 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 4Therefore, 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. The network plans to reduce response times even further to just 20 days in the near future. Chargeback Reason Codes by Mesh - 2023 Guide. The standard chargeback process involves eight steps: Retrieval request: The card-issuing bank requests that the acquiring bank provide additional information for a given transaction. If Verify+ detects a mismatch or other dubious operation, the company will notify thou. Essentially, even a $50 chargeback can become $125 with all the extra fees. This authoritative guide includes the chargeback reason key from each from the four major card netz. Specify the default reason code to. Submitted: The response has been sent and the issuer is. Thus, the easiest way to prevent chargeback reason code 75 from being. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. When you receive notification of a chargeback, the first thing you want to do is look up the reason code. If you did not receive the email, open Mave, Wave’s automated chatbot, and. Mastercard Chargeback Reason Code 73: Duplicate Transaction. M01 Chargeback Authorization. Global chargeback volume topped 615 million cases in 2021, and was estimated to cost merchants nearly $117 billion in revenue. Code. Check the chargeback reason code. Chargeback prevention strategies vary based on the reason for the dispute. Cause The merchant didn’t use a chip-and-PIN compatible terminal or was convinced to bypass the PIN requirement. Info Us; In and. About Discover chargeback reason codes. 5%. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. While the format of chargeback reason codes. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. 4 applies to eCommerce, whereas code 10. The cardholder claims they were charged multiple times for a single transaction. Try Shopify free for 3 days, no credit card required. Banks, however, categorize chargebacks or disputes depending on the card used when a chargeback occurs. That definitive guide included the chargeback reason codes from each of the quad larger card connectivity. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. Complete Guide to Visa Compelling Evidence Update CE 3. 1. The implication is that the merchant is at fault. 101. 9905. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37When the customer disputes a charge, the issuing bank then begins the chargeback process. 3. A fraudster completed the payment. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing date of. For example, 10. Articles; Chargeback Reason Codes;. So don’t spend another second worrying about chargebacks. The chargeback transfers funds from the acquirer to the issuer. AA Cardholder Does Not Recognize. American Express Reason Code FR4 – Immediate Chargeback Program American Express Reason Code FR6 – Partial Immediate Chargeback Program NOTE : If you receive one of the above chargeback reason codes and aren’t aware of being in a fraud monitoring program, contact your payment processor or acquirer immediately for a copy of your violation. Here’s how. For a brief overview of chargeback reason codes, refer to the table below. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. Collect Compelling Evidence. 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. The majority includes leader to chargeback reason codes. 4846 — Incorrect Currency Code. Specify the invoice date and net due date to assign to chargebacks. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. A chargeback is the potential outcome of a disputed credit or debit card transaction. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. New Visa CE 3. Dubbed "Compelling Evidence 3. Chargeback Reason Codes by Network - 2023 Guide. The cardholder possesses a PIN-preferring credit card, but your POS is either not PIN-enabled or allows the shopper to bypass the PIN entry. Try Shopify free for 3 days, no credit card required. 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. 4. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. Other Fraud—Card Absent Environment. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. 6: Credit not. Chargeback reason code 11. Select the value “open”. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. to obtain an Authorization Response for the Card Transaction ii the receipt of a from BUS MISC at Yeshiva University These chargebacks occur to resolve chargeback-related disputes between network members. SolutionsCode 4807: Fraudulent Card-Present Transaction. Click on the Chargeback Reason Code drop-down menu, the user can change the. They usually have up to 120 days after purchase to dispute a charge, though some card schemes allow up to 365 days. Chargebacks were introduced as a form of consumer protection against. About Discover chargeback reason codes. 15, 2021. Learn which strategies to use like you fight and eliminate consumer disputes to reason cypher. You should be. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. 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. The list of chargeback reason codes in this article. 3 is the less common version for card-present transactions. 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. Ethoca alerts can prevent chargebacks before they hit your bank account. that the transaction was either approved online by the issuer or offline by the chip. 10. It can range from 60 to 120 days from the billing date. It gets worse. Each card. By entering your email, you agree to receive marketing emails from Shopify. Solutions. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. EMV Liability Shift Counterfeit Fraud. [1] Sift. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. 04/09/14 Discover: DC, U02. pdf), Text File (. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Accessed October 31, 2022. LP. 0 rule changes take effect April 15,. Search the Chargeback Reason Code Database. EMV Liability Shift Non-Counterfeit Fraud. 1. Chargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. ECM monitors first presentment chargebacks regardless of reason code or transaction type. 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. Authorization Noncompliance. There are multiple situations in which this can occur. It’s easy to feel overwhelmed by chargebacks. R13 No Reply. This scenario applies when the arbitration was raised by either the. That’s 50% more time than what the major card networks allow. A08 Authorization Approval Expired. April 2018_Chargeback Reason Code Encyclopedia. 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. For a Mastercard late presentment chargeback to be valid, all the following conditions must apply: The cardholder’s account must be permanently closed. Chargeback Alerts: Your Best Defense Against Chargebacks. The major card networks have unique reason code systems, and banks use separate tools. Analyze your chargeback data. Customer Dispute. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Carefully analyze the reason provided by the cardholder for the chargeback. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. non_receipt: The buyer claims they didn't get the goods or services. Protect cardholder data. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. Click on “report a problem” and select the transaction in question. Feel free to submit topic suggestions, questions or requests for advice to:. UA05 Fraud: Chip Card Counterfeit Transaction. The cardholder initiates contact with their bank or credit union to file a dispute. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Discover Reason Code UA06 – Fraud: Chip and PIN Transaction; American Express Reason Code FR2 – Fraud Full Recourse Program. Visa Chargeback Reason Codes; Chargeback Management Software; Chargeback Reason Codes; Credit Card Dispute Time Limit; Mastercard Reason Codes; Bank Identification Number; CONTACT. Now, compliance cases must be submitted through Visa Resolve Online (VROL). At the same time, your account is debited for the chargeback amount, and the. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. 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. As chargeback time limits get shorter and shorter, automated technology will become more and more valuable. 104. There are dozens of reasons why cardholders and issuers dispute transactions. 4 Section . AP Canceled Recurring Transaction. By entering your email, you agree to receive marketing emails from Shopify. Either the acquiring or issuing bank could initiate the. One catch is that CE3. 104. The reason_code field lists the reason code the issuing bank has assigned to the chargeback. Blog additionally Articles; Success Stories; Chargeback Reason Keys; BIN Look-up; eGuides and Reports;. It can range from 60 to 120 days from the billing date. Fight; Prevent;. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. Either the acquiring or issuing bank could initiate the chargeback. IN Invalid Card Number . Switch to Visa MasterCard American Express. Reason Code 12. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. Card Brand Code Description Days to Dispute Dispute Category;. The issuing bank reviews the information. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback. manual processing by uploading chargeback documents instantly. High-Risk (Excessive): Reaching a chargeback ratio of. Be sure you understand the cardholder’s claim. 6: Duplicate processing/Paid by other means. 102. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. Many subscription payment disputes are made under code 13. 10. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. A copy of the authorization requests that contains a service code value other than 2xx or 6xx. The incorrect amount being charged. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. Message. 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. 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. . Understand the reason for the chargeback. All chargebacks start with a customer making a purchase in person, in an app, or online. 5 percent of all transactions. Try Shopify free for 3 days, no credit card required. 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. A chargeback happens when a customer requests for a transaction to be reversed. Solution. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. 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. Chargeback Reason Key by Network - 2023 Guide. If you believe you have received an ACH return in error, you can contact your bank. This may be done by either the merchant or the issuing bank. / 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. Pro Tip: Prepare a chargeback representment template that you can edit per incoming disputes, and be sure to include. . 11. The newer system is designed to. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some. 0. Fight; Prevent; Recover; Predict; Success Story; Resources. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. WEX began issuing chip cards in Q4, 2020. American Express reason code 155, Visa reason code 30, MasterCard reason code 4855, and Discover reason code 4755 are all specific reason codes for Shopify payment chargebacks. During this process, the representative of the institution examines the reasons’ list. The chargeback reason code. The Stakes: Ignoring reason codes can lead you to confuse valid chargebacks for problematic ones. MasterCard does not have a reason code that exactly matches Visa’s 80. Provide exemplary customer service. The most comprehensive guide to chargeback reason codes. Solution. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered. 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. e above 0. Blog and Articles; Success Stories; Chargeback Reason Codings; DUMPSTER Look-up;. Mastercard Chargeback Reason Code 4871 - Chip Liability Shift – Stolen Card; Amex Reason Code F30 — EMV Counterfeit; Amex Reason Code F31 — EMV. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. Chargeback Reason Encrypted by Lattice - 2023 Guided. The assigned chargeback reason code outlines why a customer submitted the dispute. The most comprehensive guide to chargeback reason codes. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. Reason Code. Chargeback Reason Codes Reason code are the first key to understanding the root causes . For educational purposes, here is an overview of the general chargeback process with most major processors: Step 1: A purchase occurs – All chargebacks start with a customer making a purchase, either in-person, in-app or online. 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. 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. 0" or CE3. This definitive guide includes the chargeback reason codes from each of the four major card networks. Discover Chargebacks / Disputes. Visa groups its various reason codes into several broad dispute categories. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Reference these when rebutting cardholder disputes at your small business. #9. Having a Lax Attitude Toward Industry Rules & Regulations. A02: No Valid Authorization. up under any number of different chargeback . 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. Good Faith Investigation. Chargeback . 10. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. Chargeback reason codes. Both EFM and ECM measure compliance at the MID level. com Europe. Analyze chargeback and alert data until dozens of metrics. Paymentology will submit the chargeback using the appropriate chargeback reason code. Reason codes. 4: Fraud—Card-Absent Environment. Everyone from processors and card brands to local and federal governments has rules about how payments should be handled. 2 – EMV Liability Shift Non-Counterfeit Fraud. 3 Changed Discover Reason Codes to match what is shown in the UI. According to one study, the average chargeback ratio for the travel industry is 0. Chargeback Reason Codes by Network - 2023 Guide. A chargeback happens when a customer requests for a transaction to be. Partial Immediate Chargeback Program; NOTE: If you receive one of the above chargeback reason codes and aren’t aware of being in a fraud monitoring program, contact your payment processor. Card networks send these codes to merchants to indicate why a chargeback has been filed. So the company has more incentive to side with customer during cardholder disputes. Every chargeback has a reason code associated with it. Otherwise, the acquiring bank sends a chargeback notification. 3 No Authorization. 4846. 4807 Warning Bulletin File. Merchants who believe they have received an invalid chargeback under reason code 12. To avoid this, issuers can identify their chip cards using the Service Code field with a first byte value of 2 or 6. This is different than a refund.