Learn how Visa chargeback reason codes work and what they mean for merchants who accept Visa cards. All merchants who are receiving Visa chargebacks with the code 10. ; Help Center Find answers to common questions about Midigator’s technology,. the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date) However, if the customer returned merchandise or. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. How long can the issuer wait to file a dispute? The dispute timeline can be based on one of two start dates. 10. Visa uses the four main categories to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. 1) Retrieval Request Reasons and Reason Codes. RDR will send an alert to the merchant, who can either initiate a refund to end the dispute or accept the chargeback. Select a tab to see the possible. Even learning all the terms and rules won’t keep you. Learn more today about how much you could. Reason code 13. This lets the merchant resolve the issue before a chargeback happens. Chargeback reason codes don’t always tell the full story. 9808; info@chargebacks911. Late Presentment Rules: Visa. Under “Transaction History,” tap the transaction you want to dispute, then tap “Report an Issue. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. Mastercard Chargeback Reason Code 70: Chip Liability Shift. United States; 18167 US Highway 19 N; Clearwater, FL 33764; 877. 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. Now George has contacted his bank to start a dispute with the Reason Code 30: Services Not provided or Merchandise Not Received. Among some of the most common Visa chargeback reason codes are Fraudulent Processing of Transactions (Reason Code 4837), Invalid Data (Reason Code 4775), Credit Not Processed (Reason Code 4834), and. Feel free to submit topic suggestions, questions or requests for advice to: win@chargebackgurus. Chargeback reason code 4853 can be used to indicate cases in whic the merchant failed to cancel a recurring payment (when requested by the cardholder). The dispute timeline can be based on one of two start dates. One catch is that CE3. However, this only applies to chargebacks designated with a “Fraud” reason code. ; Help Center Find answers to common questions about Midigator’s technology,. The issuing bank assigns each dispute a code according to the consumer’s claim. Visa chargeback reason code 12. This liability shift essentially provides merchants. Now, compliance cases must be submitted through Visa Resolve Online (VROL). 1: EMV Compensation Shift Counterfeit Fraud: 10. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Mastercard uses a four-digit numbering scheme for its chargeback reason codes. ” This reason indicates a merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, but submitted the. 1=1010, 10. In fact, the same thing could be said of other chargeback reason codes, too. Download our comprehensive guide to reason codes, modifiers, time limits,. 4: Other Fraud – Card-Absent Environment. Please see the below “cheat sheet” for the new 4 byte reason codes. Visa Chargeback Reason Code 10. Card Network Reason Code Detail; VCR Dispute Reason Code 10. As a rule, “Fraud” and “Authorization” disputes enter straight into the “Pre-Arbitration” stage. Fraud (10)& Authorization (11)Chargeback Reason Codes List for Visa. 4853 Cardholder Dispute. 2: Declined Authorization: 11. American Express Chargeback Reason Codes. Reason code 53 is typically used when a. If the cardholder provides a sufficient explanation, the issuer may choose not to reverse the chargeback. 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. American Express has its own set of chargeback reason codes, and they refer to situations that correspond to Visa and Mastercard reason codes you may already be acquainted with. Chargeback reason code 13. Compelling Evidence 3. 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. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Visa Fraud Monitoring Program: Authorization: 11. Chargeback Code Chargeback Reason; 10. Each card network — Visa, Mastercard, American Express, and Discover — defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. From mid April 2023, Visa will enforce the Visa Compelling Evidence 3. 4,. Each of these causes has a designated “reason code,” and banks assign the. DCC-Related Reason Codes DCC-related chargebacks fall under Mastercard Reason Code 4834: Point-of-Interaction Currency Conversion. ; Resources. Visa Chargeback Reason Codes; Visa Merchant Purchase Inquiry (VMPI) CONTACT. The most common Visa Reason codes include 10. A truly effective chargeback management strategy must encompass. Dispute Condition Description Dispute Condition Code Category Code Category Code Description; EMV Liability Shift: 10. Invalid chargebacks from Visa Reason Code 13. 4: Other Fraud. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. Thanks for following the Chargeback Gurus blog. Chargeback reason code 12. The implication is that the merchant failed to deliver the goods or services, but this reason. Visa users can file a chargeback within 120 days of the date the transaction was processed, for most reason codes. eCommerce grew too fast for the payments industry to respond. The chargeback process can last from one month to six months. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. REASON CODES 1. Merchants can deflect first-party disputes or reverse ensuing chargebacks by tying cardholders to their purchases by capturing transaction data, aka “compelling evidence. For all other transactions, the maximum amount of. 6? Chargeback reason code 13. Visa Chargeback Reason Code 30: Services Not Provided or Merchandise Not Received. The Ultimate Dispute Management Resource. 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. 13. Visa advises the following authorization best practices:Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. If a merchant responds to a chargeback in full compliance with the initiative guidelines, Visa guarantees the chargeback will be overturned. Get your complete guide to. ”. The start date for that window can vary, though. What is Visa Reason Code 11. United States; 18167 US Highway 19 N; Clearwater, FL. 0. Many subscription payment disputes are made under code 13. A card-not-present chargeback is a payment reversal conducted by a bank in response to a card-not-present (i. Every chargeback has a reason code associated with it. 3 – Not as Described or Defective Merchandise / Services. 2 – Incorrect Transaction Code. One of these changes was an overhaul of Visa’s list of chargeback reason codes. 4 is an updated version of legacy reason code 77, which was phased out under the Visa Claims Resolution initiative. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. 0 is an update to the rules for handling disputes filed under reason code 10. In short: capture is the point at which you get paid for a sale. The term "counterfeit fraud" refers to specific chargeback situations defined by Visa Reason Code 10. Nevertheless, you must respond to the chargeback based on the given code. What is Visa chargeback reason code 11. However, if the credit transaction receipt is dated, the issuer must let at least 15 calendar days pass before initiating a dispute. 6 – Credit Not Processed. Use this guide as a quick resource for Visa chargeback reasons at a glance. This chargeback occurs when merchants do not adequately provide currency information. The code replaces Visa’s legacy reason code 41. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. 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. MDR removed. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. 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. Again, banks should not really be using 4807. 1. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. Visa’s process introduces four dispute categories and associated. Visa ® has launched the CE 3. S. 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 Code. 0 rule changes take effect. The customer regrets their purchase. The Visa chargeback reason codes system. He orders a pair but later realizes that he is short on money for the month. If you do perform a key-entered transaction, make a manual imprint of the card. It applies when a cardholder participated in an ATM cash withdrawal, but. 1: The chargeback time limits may be altered if the resources were assumed to deliver after the execution time period of the payment also. Chargeback reason code 4853 can be used to indicate disputes in which the cardholder feels that the actual merchandise received (or service provided) differs greatly from the written or verbal description provided at the time of purchase. There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Discover. The updated program now aligns more closely with Visa’s collaboration chargeback process. 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. a bank, credit union, etc. The cardholder never used the product or service, since they believed the transaction was never processed, and the purchase was. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback. 13. 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. 2 Other Fraud – Card Present Environment 81(1) 10. In some cases, chargebacks from Visa Reason Code 12. Criminals obtain personal card data using a variety of methods, but the end results are predictable: the cardholder learns of the fraudulent transactions and files a chargeback. About Visa chargeback reason codes. 2 EMV Liability Shift Non-Counterfeit Fraud;Some credit card companies also include a short phrase describing the code and chargeback. About Mastercard chargeback reason codes. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. 60 due to merchandise, fees, overhead, and other sources of loss. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 13. About Visa chargeback reason codes. Chargeback Reason Codes. Their chargeback process differs because it is typically more straightforward. 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. This list was generated 5/4/2022. When a chargeback request is filed a chargeback reason code is assigned to the claim. Discover: Reason Code 4755 Non-receipt of goods or services. 13. What is Visa Reason Code 11. The basic knowledge in this section provides you with a conceptual framework for the policies and procedures that you must follow as a Visa merchant. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. 2: Canceled Recurring Transaction, is used when a cardholder claims a recurring transaction was processed illegitimately. The use of 3DS in the transaction. STEP #7: Bank Review & Decisioning. 1 falls under the “Authorization” category. 5 is an updated version of legacy reason code 93, which was phased out under the Visa Claims Resolution initiative. 3 (no authorization) for the difference between any final transactions that exceed these limits. 5 Proven Tactics to Win Chargebacks as a Merchant. How Payment Gateways Work & Why Merchants Need Them. What is Visa Reason Code 11. What is Visa Reason Code 12. It also delivers an improved customer experience. 0 as it does for 3-D Secure 1. PDF 296K September 16, 2013. ; Help Center Find answers to common questions about Midigator’s technology,. 2 chargebacks? About Visa chargeback reason codes; Merchants who receive a chargeback for a transaction placed with a Visa card may encounter reason code 10. The Visa chargeback grounds user system underwent a major overhaul in April 2018 in part of their new Visa Insurance Resolve (VCR) initiative. Both AFTs and OCTs are often used in concert with one another. 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. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 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. While knowing one system may make the other easier to understand, both are still complex. The following tables show the Stripe categories for each card network’s dispute reason codes. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback. 5 is part of the updated Visa reason codes that were phased out under the Visa Claims Resolution initiative. The transaction amount is re-charged to the cardholder’s account, and the funds go back into your bank account. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. 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. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback. 1. Reason codes vary by card brand. the date the customer was told the merchandise was counterfeit (but not to exceed 540 days of the original transaction processing date)Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. 8. 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. If a customer asks to use another form of payment after the Visa card transaction has been processed, credit from the original. For U. 4: Other Fraud–Card-Absent Environment. Similar disputes on Visa cards would use Visa Reason Code 12. 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. 9 is slightly narrower in scope. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 8 – Original Credit Transaction Not Accepted. That’s why it’s important that you start with a clear picture of the Visa card transaction process; what it is, how it works, and who’s involved. Chargeback reason code 10. 3: Other Fraud — Card Present Environment: 10. There are two reasons main for this:  . What is Mastercard chargeback reason code 4837? Mastercard chargeback reason code 4837 falls under the “Fraud” category. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. Rupay Cardholder Dispute Chargeback Reason Codes. Often, this is the result of one of the. 3 - Incorrect CurrencyPlease note that the most common Chargeback reason code for Allocation disputes is 10. Reason Code 11. For example, most cardholders can only file a chargeback within 120 calendar days of the initial transaction. A few reason codes allow for shorter timeframes. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. 12. All received credit card disputes include a reason code. 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. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. If you’re entered into the VFMP, that means Visa will keep tabs on your activity. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how to prevent disputes in the future. However, since most are the result of easily preventable merchant errors, it’s much more efficient to take a proactive stance. 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. While the updates have been published, they do not go into effect until Oct. ACH return codes are a type of shorthand for specific information concerning the return, much like the. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. For the sake of simplicity and standardization, card networks like Visa have created a breakdown of the acceptable causes for a customer to dispute a credit card charge by filing a chargeback. Stripe Category. That doesn’t count sales involving debit and prepaid cards, which add nearly $2 billion more to the total. Region Only) 4855 Goods or Services Not Provided. Chargeback reason code 4853 can be used to indicate cases involving hotels or other temporary lodging establishments where a customer claims that the hotel charged an undeserved fee to the cardholder’s bill. Visa chargeback reason code 12. 6. The tickets were held at the box office, and no signature, swipe or imprint. . Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. 3 is an updated version of legacy reason code 76, which was phased out under the Visa Claims Resolution initiative. Under Visa’s previous chargeback rules, merchants could contest a reason code 10. Say Goodbye to Chargeback Fraud with Our Ultimate Prevention Guide. The dispute timeline can be based on one of two start dates. Loss, Theft, or Damages chargebacks, for example, formerly fell under legacy. 16, 2021. 3: Incorrect Currency. Originally, this condition fell under legacy reason code 53: Merchandise Not as Described, which. Specifically, these updates only pertain to transactions that are charged back after Oct. This code is unique—at least currently—in that Visa has since split it into two separate categories: 12. 6. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. a) Code 75 (Cardholder Does Not Recognize): In this code, the. 6. Chargebacks with a “paid by other means” reason code are the result of a simple mistake on the part of the merchant. It is subject to change and may not include every currently known dispute reason code. You’ll find information on reasons codes for all the main card brands here. This code applies when a transaction was processed without acquiring authorization…but the card used in the transaction was listed in the Visa Card Recovery Bulletin (CRB). The fact is, that this type of reason code is typically harder to fight than other types of chargebacks. Alerts providers work closely with banks to ensure that merchants using the service receive advance notice of impending chargebacks. S. 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. 1? Chargeback reason code 11. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. 4. ”. ” Visa categorizes these types of disputes as “first-party misuse” under their reason code 10. For a no-show reason code to apply. Codes submitted via API are reflected in the AWC and Datamart. This is what we mean by “compelling evidence. 1, multiple conditions must be met: A merchant processes a transaction, and the transaction is approved. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 5 Visa Fraud Monitoring Program Authorization Reason Codes13. One of three things will happen: The issuer rules in your favor: Your representment case validates the original transaction. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. Credit card authorization is a notification given by a credit or debit card issuer (i. American Express. View the entire list of Visa reason codes. 4846 — Incorrect Currency Code. 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. Additionally, the corresponding fraud report must be accurately identified as Fraud Type 4—Counterfeit, and acquirers have a representment right if the fraudIt means the issuer has placed a stop or hold on a transaction. According to recent estimates, US credit card transaction volume was primed to top $3 trillion in 2022. 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. Chargeback reason code 98 was used to describe any exception that fell into that category. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. Each card network — Visa, Mastercard, American Express, and Discover — defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. 12. 4: Other Fraud – Card-Absent Environment in April 2023, in an effort to lower the rate of friendly fraud. 1 for late presentment chargebacks. 4, 13. This code applies when a cardholder disputes a charge, and the merchant is informed by the processor that there is a problem with the transaction currency code. 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. ). 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. For example, if there was a scheduled delivery date for the order, then the timeframe starts on that date. 2 is an updated version of legacy Visa reason code 71, which was phased out under the Visa Claims Resolution initiative. Linda finds it difficult to use the product as decides to dispute the transaction in the hope of winning the chargeback under the Reason Code 53: Not as Described or Defective Merchandise. Get of Visa’s current reason codes were condensed into four key groupings: fraud, authorization errors, processing fault, and my disputes. Visa. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. What is Visa chargeback reason code 71? Visa chargeback reason code 71 falls under the “Authorization” category. F01. 2, and 13. Visa Chargeback reason code 13. 1, which covers duplicate processing errors, and 12. Eliminate false positives. Visa’s Reason Codes follow a format of two digits, a period, and a third digit. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The list of chargeback reason codes in this article is organized by card brand and type of dispute. 8 is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. 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. The basic knowledge in this section provides you with a conceptual framework for the policies and procedures that you must follow as a Visa merchant. the transaction adjustment date for an ATM cash disbursement or PIN-authenticated debit transaction. A payment capture is the legally binding point at which transactional funds move from a cardholder's account into a merchant’s account. Simplify reason codes. It was originally one of several possible scenarios covered by legacy Visa reason code 83. 13. This code applies when a transaction is not deposited within the timeframe designated by Visa (see chart below). About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Visa Chargeback. What is Visa Reason Code 11. The basic knowledge in this section provides you with a conceptual framework for the policies and procedures that you must follow as a Visa merchant. Over a decade later, our exclusive data-driven platform provides true end-to-end chargeback prevention and remediation technology. Unlike Mastercard, though, Visa chargeback timeframes start the day after the transaction was processed. Dispute Category. Step #2 | Report the Scam to PayPal. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. Card-not-present chargeback. 3 can—and should—be disputed. Which is meant to know the reason for the dispute. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. Thus, the easiest way to prevent chargeback reason code 75 from being filed is to use a billing descriptor that is easily recognizable. Using the same link provided above, contact PayPal to report the scam. 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. 4846. Mastercard uses a four-digit numbering scheme for its chargeback. VisaChargeback Reason Codes. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. 0 and its benefits; Difference between current and. With CE3. 1 – Late Presentment. The bottom line: 3-D Secure 2. The first is a catch-all for claims of fraud, while the others typically involve customer disputes over undelivered items,. An ACH (Automated Clearing House) payment dispute is a situation in which one party involved in an ACH transaction raises a concern or disagreement over the legitimacy, accuracy, or authorization of the transaction. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool.