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- Annual Chargeback Report & Statistics – 2021
- Annual Chargeback Report & Statistics-2019
- Annual Chargeback Report & Statistics-2020
- Annual Chargeback Report and Statistics
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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
- Chargeback Rebuttal Letter Templates
- Chargeback Reduction Plan Template
- Chargeback Response Template
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Posts by category
- Category: Company Announcements
- Category: Definitions & Explanations
- How to Manage Chargebacks for Digital Goods
- Merchandise Chargebacks: Top Management Tips
- Complete Guide to Visa Compelling Evidence Update CE 3.0
- Chargebacks for Services: Tips for Preventing & Fighting
- Can I Get a Chargeback on a Closed Merchant Account?
- Shopify Chargeback Guide: Everything You Need to Know
- In-App Purchase Chargebacks: Protecting Your Business
- Chargeback Arbitration: What It Is and When to Use It
- eBay Chargebacks: Everything a Merchant Needs to Know
- What Are NFC Payments?
- What Is a Merchant Account?
- What Is a Chargeback Analyst?
- What is Load Balancing for Merchant Accounts?
- What Is the MATCH List and Terminated Merchant File (TMF)?
- What Is Chargeback Insurance?
- What Are Recurring Payments?
- Bank Identification Numbers (BIN) – A Complete Guide
- What is a High-Risk Merchant Account?
- What is Address Verification Service (AVS)?
- How Do Debit & Credit Card Transactions Work?
- The Difference Between an Acquiring Bank and Issuing Bank
- Chargeback vs. Refund: What’s the Difference?
- How to Calculate Chargeback Win Rates
- What is a Transaction Dispute?
- Credit Card Chargeback vs. Debit Chargeback
- Chargeback Reasons: Why Do Consumers Dispute Charges?
- How to Run an Efficient Chargeback Management Team
- The Chargeback Process Explained
- Tips to Manage Card-Not-Present Transactions & Fraud
- What are Chargebacks?
- What’s a Merchant ID Number? (and How to Get One)
- Credit & Debit Card Authorization Holds
- Authorization & Settlement: The Impact on Chargebacks
- Chargeback Rights for Merchants
- What is a Merchant Account Reserve?
- What is a Chargeback Fee?
- What are Retrieval Requests?
- Pre-Arbitration Explained for Mastercard & Visa
- What is Visa Claims Resolution (VCR)?
- What is TC40 & SAFE Data?
- How Could CCPA Impact Chargebacks?
- Valid & Invalid Chargebacks: What’s The Difference?
- Chargeback Facts vs. Fiction: 15 Things You Shouldn’t Believe
- 8 Things Payment Processors Want You to Know About Chargebacks
- Chargeback Rate: 6 Things to Know About Your Chargeback-to-Transaction Ratio
- Visa Refund Policy & Purchase Return Authorization: Comply with New Requirements
- A Chargeback Win Rate Guarantee Isn’t as Great as You Think: Here’s Why
- Help! I Breached the Chargeback Thresholds! Now What?!
- Chargeback Time Limits: Anticipating Risk and Beating Deadlines
- What is Chargeback Fraud or Friendly Fraud?
- Automated Chargeback Management: All Your Questions Answered
- Should You Manage the VMPI Integration Through a Visa Facilitator?
- What is Visa Merchant Purchase Inquiry (VMPI)?
- Acquirers & Processors: How to Simplify VCR and Streamline VMPI
- Category: Engineering
- Category: How to Fight Chargebacks
- How to Write a Chargeback Response (Sample)
- Win Your Chargeback Reversal
- Win Chargebacks as a Merchant or Seller with These Tips
- Chargeback Rebuttal Letters: The Complete Guide
- How to Fight & Deal with Chargebacks in 5 Steps
- These 5 Things Happen When You Fight Chargebacks
- Does Fighting Chargebacks Lead to Angry Customers & Bad Business Reviews?
- Going Beyond Chargeback Win Rates: How to REALLY Measure Success
- Chargeback Representment: A Step-By-Step Guide to Improve Win Rates
- How to Fight Chargebacks
- Improve Chargeback Management ROI with These 5 Tips
- Category: How to Prevent Chargebacks
- Stripe Chargebacks: The Complete Guide to Managing Disputes
- Mastercard Collaboration: A New Way to Prevent Chargebacks
- How to Use Data Analysis to Prevent Chargebacks & Disputes
- Ecommerce Fraud Prevention Tools & Software: Which is Right for Your Online Business?
- Avoid Chargebacks with These 10 Helpful Tips
- 8 Chargeback Prevention Strategies & Management Tools
- How Does Ethoca’s Consumer Clarity Prevent Chargebacks?
- Rapid Dispute Resolution (RDR) Explained & Simplified
- Order Insight: How to Resolve Disputes & Prevent Chargebacks
- 30 Telltale Signs of Fraud: How to Recognize High-Risk Orders
- How to Create a Chargeback Reduction Plan (Template Included!)
- How to Improve Customer Service to Avoid Chargebacks
- How Merchants Can Protect Against Chargebacks
- 13 Tips to Improve Your Return Policy & Prevent Chargebacks (with Examples!)
- How to Reduce Chargebacks: 41 Best Tips & Techniques
- What are Chargeback Prevention Alerts? Could They Help Your Business?
- Category: Policy & Rule Updates
- How to Handle Visa & Mastercard Chargebacks in Russia
- Discover Chargeback & Dispute Guide for Merchants
- Free Trial & Subscription Billing Rules: Mastercard vs. Visa
- Mastercard Chargeback & Dispute Resolution Guide
- Visa & Mastercard Suspend Risk Monitoring Rules Due to COVID-19
- 9 Tips to Minimize CCPA’s Impact on Chargeback Management
- American Express Chargebacks: Your Policy Guide for Amex Disputes
- Prepared for New Visa Rules? Dispute & Fraud Ratios Changing in 2019
- Category: Research & Trends
- Category: Stories
- How Midigator’s Analytics Reveal the Most Unexpected Reasons for Chargebacks
- How Midigator’s Analytics Help Merchants Sell in More Countries with Less Risk
- How Midigator’s Analytics Help Stop Fraudsters & Prevent Chargebacks
- How Midigator’s Analytics Help Optimize Profitability
- How Midigator Analytics Help Uncover Merchant Errors
- How Midigator Analytics Help Expose High-Risk Marketing Sources
- How Midigator Recovers Revenue with Fewer Costs and Higher ROI
- How Midigator Analytics Can Prevent Subscription Billing Chargebacks
- Category: Tools
