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- Annual Chargeback Report & Statistics-2019
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- Chargeback Reason Codes
- American Express
- A01 – Charge Amount Exceeds Authorization Amount
- A02 – No Valid Authorization
- A08 – Authorization Approval Expired
- C02 – Credit Not Processed
- C04 – Goods / Services Returned or Refused
- C05 – Goods / Services Cancelled
- C08 – Goods / Services not Received or Only Partially Received
- C14 – Paid By Other Means
- C18 – “No Show” or CARDeposit Cancelled
- C28 – Cancelled Recurring Billing
- C31 – Goods / Services Not As Described
- C32 – Goods / Services Damaged or Defective
- F10 – Missing Imprint
- F24 – No Cardmember Authorization
- F29 – Card Not Present
- F30 – EMV Counterfeit
- F31 – EMV Lost/Stolen/Non-Received
- M01 – Chargeback Authorization
- P01 – Unassigned Card Number
- P03 – Credit Processed as Charge
- P04 – Charge Processed as Credit
- P05 – Incorrect Charge Amount
- P07 – Late Submission
- P08 – Duplicate Charge
- P22 – Non-Matching Card Number
- P23 – Currency Discrepancy
- R03 – Insufficient Reply
- R13 – No Reply
- Discover
- 05 – Good Faith Investigation Chargeback
- AA – Does Not Recognize
- AP – Recurring Payments
- AT – Authorization Noncompliance
- AW – Altered Amount
- CD – Credit/Debit Posted Incorrectly
- DP – Duplicate Processing
- IN – Invalid Card Number
- LP – Late Presentation
- NF – Non-Receipt of Cash from an ATM
- PM – Paid by Other Means
- RG – Non-Receipt of Goods, Services, or Cash
- RM – Cardholder Disputes the Quality of Goods or Services
- RN2 – Credit Not Processed
- UA01 – Fraud: Card Present Transaction
- UA02 – Fraud: Card Not Present Transaction
- UA05 – Fraud: Chip Card Counterfeit Transaction
- UA06 – Fraud: Chip and PIN Transaction
- Mastercard
- 4807 – Warning Bulletin
- 4808 – Authorization-Related Chargeback – Cardholder-Activated Terminal (CAT) 3 Device
- 4808 – Authorization-Related Chargeback – Expired Chargeback Protection Period
- 4808 – Authorization-Related Chargeback – Multiple Authorization Requests
- 4808 – Authorization-Related Chargeback – Required Authorization Not Obtained
- 4812 – Account Number Not On File
- 4831 – Incorrect Transaction Amount
- 4834 – Point-Of-Interaction Error – ATM Disputes
- 4834 – Point-Of-Interaction Error – Cardholder Debited More than Once for the Same Goods or Services
- 4834 – Point-Of-Interaction Error – Charges for Loss, Theft or Damages
- 4834 – Point-Of-Interaction Error – Late Presentment
- 4834 – Point-Of-Interaction Error – Merchant Credit Correcting Error Resulting in Cardholder Currency Exchange Loss
- 4834 – Point-Of-Interaction Error – Point-of-Interaction (POI) Currency Conversion (Dynamic Currency Conversion)
- 4834 – Point-Of-Interaction Error – Transaction Amount Differs
- 4834 – Point-Of-Interaction Error – Unreasonable Amount – Europe
- 4837 – No Cardholder Authorization
- 4840 – Fraudulent Processing Of Transactions
- 4841 – Canceled Recurring or Digital Goods Transactions
- 4842 – Late Presentment – Europe
- 4842 – Late Presentment – Non-European Banks
- 4846 – Correct Transaction Currency Code Not Provided/Currency Errors – Europe
- 4846 – Correct Transaction Currency Code Not Provided/Currency Errors – Non-European Bank
- 4849 – Questionable Merchant Activity – Global Merchant Audit Program (GMAP)
- 4849 – Questionable Merchant Activity – Mastercard Rule 3.7 Violation for Coercion Claim
- 4849 – Questionable Merchant Activity – Questionable Merchant Audit Program (QMAP)
- 4853 – Cardholder Dispute – “No Show” Hotel Charge
- 4853 – Cardholder Dispute – Addendum Dispute
- 4853 – Cardholder Dispute – Cardholder Dispute of a Recurring Transaction
- 4853 – Cardholder Dispute – Counterfeit Goods
- 4853 – Cardholder Dispute – Credit Not Processed
- 4853 – Cardholder Dispute – Credit Posted as a Purchase
- 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less
- 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective
- 4853 – Cardholder Dispute – Goods or Services Not Provided
- 4853 – Cardholder Dispute – Issuer Dispute of a Recurring Transaction
- 4853 – Cardholder Dispute – Timeshares
- 4853 – Cardholder Dispute – Transaction Did Not Complete
- 4855 – Goods or Services Not Provided
- 4859 – Addendum, No-Show, or ATM Dispute – Europe
- 4859 – Addendum, No-Show, or ATM Dispute – Non-European Bank
- 4860 – Credit Not Processed
- 4863 – Cardholder Does Not Recognize – Potential Fraud
- 4870 – Chip Liability Shift
- 4871 – Chip Liability Shift – Lost/Stolen/Never Received Issue (NRI) Fraud
- Visa
- 10.1 – EMV Liability Shift Counterfeit Fraud
- 10.2 – EMV Liability Shift Non-Counterfeit Fraud
- 10.3 – Other Fraud, Card-Present Environment
- 10.4 – Other Fraud, Card-Absent Environment
- 10.5 – Visa Fraud Monitoring Program
- 11.1 – Card Recovery Bulletin
- 11.2 – Declined Authorization
- 11.3 – No Authorization
- 12.1 – Late Presentment
- 12.2 – Incorrect Transaction Code
- 12.3 – Incorrect Currency
- 12.4 – Incorrect Account Number
- 12.5 – Incorrect Amount
- 12.6 – Duplicate Processing / Paid By Other Means
- 12.7 – Invalid Data
- 13.1 – Merchandise / Services Not Received
- 13.2 – Cancelled Recurring Transaction
- 13.3 – Not as Described or Defective Merchandise / Services
- 13.4 – Counterfeit Merchandise
- 13.5 – Misrepresentation
- 13.6 – Credit Not Processed
- 13.7 – Cancelled Merchandise / Services
- 13.8 – Original Credit Transaction Not Accepted
- 13.9 – Non-Receipt of Cash or Load Transaction Value
- American Express
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Posts by category
- Category: Company Announcements
- Category: Definitions & Explanations
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- Visa Fraud Monitoring Program: How to Resolve Fraud Threshold Breaches
- Mastercard Fraud Monitoring Program: What to Do When You Get Enrolled
- Fraud-to-Sales Ratio: Everything You Need to Know
- Loyalty Program Fraud Prevention: Everything You Need to Know
- Best Practices to Ensure Payment Processing Compliance
