Reason codes vary by card brand. Visa chargeback reason code 62 falls under the “Fraud” category. supporting documentation in first chargebacks for chargeback reason code 4863 (Cardholder Does Not Recognize). The code replaces Visa’s legacy reason code 41. It is subject to change and may not include every currently known dispute reason code. UA05 Fraud – Chip Counterfeit Transaction. This process occurs strictly between the two banks. Reason code 83 represents a chargeback categorized as. Section 2: Card-Present Transactions: Requirements and best practices. What is Visa chargeback reason code 11. 5. With VCR regulations, the risk of breaching fraud-to-sales thresholds increases. Chargeback Reason Code Quick Reference Guide. American Express, Discover (and Diners Club International, which it owns) use a combination of numerals and letters. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Free Download. 3 Incorrect Currency. 1: EMV Liability Shift Counterfeit Fraud: 10. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. Next to Standard webhook select the edit webhook icon . Chapter 5: Mastercard Chargeback. 11/03/15 Updated these MasterCard Chargeback Codes: 08, 12, 31, 34, 42, 53, 55, 59, 60, 70, 71. 5 and, more or less, associate the dispute with an issue related to a stolen credit card. During this process, the representative of the institution examines the reasons’ list. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution. The claim the cardholder is making here is that they did not authorize the transaction and are alleging their card was used fraudulently or that the merchant pushed a transaction through without. The implication is that the merchant failed to deliver the goods or services, but this reason. Duplicate Processing - 81What is Visa chargeback reason code 12. This service is usually provided in exchange for a percentage of the merchant’s sales. Even learning all the terms and rules won’t keep you. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. 4846 — Incorrect Currency Code. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. 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. Note the. Chargebacks. All other reason codes are up to 120 days from the transaction date. 76 (2) 12. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. The most comprehensive guide to chargeback reason codes. What is Visa chargeback reason code 85? Visa chargeback reason code 85 falls under the “Consumer Disputes” category. It is a valuable resource for anyone involved in the payments industry. High Level Visa Chargeback Dispute Flow. 0 is an update to the rules for handling disputes filed under reason code 10. 2. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Mastercard chargeback reason codes are four numerals without decimals. It was originally one of several possible scenarios covered by legacy Visa reason code 83. Visa retired the “unrecognized”. Visa, MasterCard, and American Express all list compelling evidence by reason code. Yes, Visa has provided a new list of Reason Codes and Conditions. Request for Information. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. ”. Thus, the easiest way to prevent chargeback reason code 75 from being. New Visa CE 3. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. 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. Visa: 0028:. A WORD OF WARNING: MATCH reason codes are not the same as chargeback reason codes. This umbrella category can be applied to multiple specific situations, many of which had their own specific codes at one time. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. Millions use it to make transactions every day, and each year, more than $2 trillion is charged to their credit cards around the world. Clearly differentiate between card-present and card-absent transactions by noting mail. Retrieval Request/ Copy request Reason Codes. About Visa chargeback reason codes. 4853 – Cardholder Dispute – Credit Not Processed. 8. 2. The fact that this reason code lumps together three different possible causes can make it extremely confusing. In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Claims Resolution. 1 – EMV Liability Shift Counterfeit Fraud. Reason codes Visa dispute reason codes. 3 Changed Discover Reason Codes to match what is shown in the UI. As you dive into a reason. All of Visa’s existing reason codes were condensed into four key groupings: fraud, authorization errors, processing errors, and customer disputes. The issuer will also claw back the disputed amount from the acquirer. 5 Visa Fraud Monitoring ProgramVisa Reason Code 10. Solution. Reason Code 53 re-presentments must be. Visa also overhauled its system of chargeback reason codes. 2. Chargeback Reason Codes. A list of key Visa policies for merchants is also included. We know the reason codes and chargeback guidelines. ” This reason code indicates the cardholder had reason to believe they were going to receive a refund, but no credit to their account has been processed. As we mentioned, Visa dispute time limits for merchants are straightforward. American Express Chargeback Reason Codes 32 Appendix F Discover Chargeback Reason Codes 41 . These codes are established by the payment brands to categorize the incoming dispute requests by reason. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. 2. message. 2, the issuing bank has a maximum of 120 calendar days from the transaction processing date chart to dispute a claim. 4849 – Questionable Merchant Activity – Questionable Merchant Audit Program (QMAP) 4863 – Cardholder Does Not Recognize – Potential Fraud. Code Description; 10. Additionally, one clearing transaction. 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. Nor is the situation static. Below is a list of chargeback reason codes from all of the following credit card networks: Visa Chargeback Codes Mastercard Chargeback Codes American. The merchandise was as described or was not defective. Discover. The sales receipt and/or date and amount of the authorization if other than the transaction date. 1 EMV Liability Shift Counterfeit Fraud 81(3) 10. This list was generated 5/4/2022. 4808: This code can refer to: Account Number Not on File. American Express, Discovering,. Say Goodbye to Chargeback Fraud with Our Ultimate Prevention Guide. Reason Codes Category 4: Processing Errors. Address Verification Service, or AVS, is one of the most widely used payment card fraud prevention tools among merchants in the US. According to Nilson, 56% of global card transactions were done on Visa in 2015. However, they must generally wait 15 days after the processing date before they can file a dispute on behalf of the customer. Reason Code 53: Not as Described or Defective Merchandise. 4 Section . Reason Code 04: Excessive Chargebacks: The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds: Reason Code 06: Currently unused--Reason Code 07: Fraud Conviction: One of the business's owners. 1001 - Cardholder does not recognize the transaction. Phase 3. 0 initiative to update compelling evidence requirements for dispute reason code 10. Visa Reason Codes Quick Reference Guide. For example, a debit may have been processed instead of a credit, or a credit processed instead. This may affect dispute. The software can accept transactions made by customers all over the world. Step 04 | Chargeback Transmitted to Acquirer. Click on “report a problem” and select the transaction in question. List and additional information about all reason codes by card brand. Need more help? Download Reason Code Cheat Sheets Chargeback Reason Codes. Always ask for authorization regardless of the transaction amount. the Airline cancelled the original ticket; That credit for duplicate charges was completed or multiple<br />. The most significant changes were Visa’s overhaul of their chargeback reason code list and the introduction of the Allocation and Collaboration workflows. Visa Reason Codes. 1. PCI DSS v3. Visa chargeback reason code 75 is filed as an honest mistake. An Independent Sales Organization, or ISO, is a specialized third-party company that sells and manages credit card processing services outside of a bank or other financial institution. 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. As mentioned earlier, the given reason for a chargeback may be far different from the actual reason. For the time being, however, merchants should be aware that banks may still use the legacy code. domestic transactions, the dispute timeline can be based on one of two start dates. American Express. 2 Compliance CasesA transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Visa’s Reason Codes follow a format of two digits, a period, and a third digit. This chargeback occurs when merchants do not adequately provide currency information. Card Recovery Bulletin Authorization Visa Code: 11. 9 – Non-Receipt of Cash or Load Transaction Value. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Mastercard has the second largest payment network in the world after Visa. 1 falls under the “Authorization” category. So the company has more incentive to side with customer during cardholder. Mastercard Chargeback Reason Code 70: Chip Liability Shift. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, and recommendations are given for. Visa. Please note that the most common Chargeback reason code for Allocation disputes is 10. 634. Visa Chargeback Reason Code 85. 5, and all aspects of chargeback reason codes, with proprietary technologies and. The shorthand description is “Declined Authorization. Going back to our Reason Code C08 response, there are two modifiers that affect the evidence presented. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. So, at this juncture, we join our clients on conference calls with the banks to explain the reasons why the chargeback should be approved, citing chapter and verse to justify our position. Either the acquiring or issuing bank could initiate the. 6. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. Exceptions to Visa Chargeback Time Limits. The shorthand description is “Transaction Not Recognized. 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. Discover is a credit card network and an issuing bank—just like American Express. A list of key Visa policies for merchants is also included to help ensure the security of confidential cardholder information. 3. This is perhaps the most common claim associated with disputes and chargebacks. As part of its move to support card-not-present merchants and airlines, Visa made changes to the compelling evidence requirements for four key reason codes: Reason Code 30: Services Not Provided or Merchandise Not Received. The life cycle of the Visa dispute underwent considerable changes with the adoption of Visa Claims Resolution back in 2018. The International Organization for Standardization (ISO) sets MCC meanings and classifications, and card processors are responsible for assigning an MCC to a merchant at the start of their. 4 Other Fraud – Card Absent Environment 93(1) 10. 5 – Misrepresentation. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. American Express: Reason Code C08 Goods or services not received. Visa has developed a list of best practices to be used until any new global rules go into effect. 2? Visa chargeback reason code 11. Preventing & Disputing Chargeback Reason Code 10. 2: EMV Liability Shift Non-Counterfeit Fraud. 5 chargebacks can be caused by the merchant charging an incorrect amount, a failure to disclose potential changes in the final transaction amount, or by a cardholder committing friendly fraud. Chargeback Reason Codes. F01. If a merchant responds to a chargeback in full compliance with the initiative guidelines, Visa guarantees the chargeback will be overturned. Use clear and consistent billing descriptors. 1 is an updated version of legacy reason code 30, which was phased out under the Visa Claims Resolution initiative. 1, 13. 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. 1 Quick Reference Lead. Search reason codes 2. S. e. If the bank does file a chargeback, they’ll transmit the dispute information to the merchant’s bank. These codes explain the reason why the chargeback was filed, and the reason. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Updated these Visa. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. CHARGEBACK REASON CODES Before we start looking at the individual errors, it’s important to point out that each card network has its own set of chargeback reason codes. Without 3D Secure Liability shift, it is difficult to challenge the dispute. The shorthand description is “Counterfeit Transaction. SECOND_CHARGEBACK. 4846. 4 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. For example, the merchant bills the cardholder in installments. Table of Contents ii Chargeback Management Guidelines for Visa Merchants © 2015 Visa. 4 – Incorrect Account Number 12 . Get your complete guide to Discover reason codes, including all the detailed information, chargeback time limits, and other important information you need. Cardholder Disputes. Visa Fraud Monitoring Program: Authorization: 11. There are several reasons why an issuer might decline a transaction. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. As you can see above, VISA breaks things down in a manner that helps banks and merchants alike know exactly why a chargeback was initiated. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. For the sake of simplicity and standardization, card networks like Visa have created a breakdown of the. Merchant processed transaction below floor limit without authorization. 2 Cancelled Recurring Transaction. In order to identify the reason a customer disputed a charge, it can be helpful to examine the reason code on the chargeback. Visa Credit Card Dispute Process. 9 — Non Receipt of Cash or Load Transaction Value. Visa Chargeback Reason Codes In Effect April 2018. Let’s explore chargeback reason codes from the four leading credit card brands in the United States: Visa, Discover, Mastercard, and American Express. Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive . 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. Discover chargeback reason code 7030. Valid Chargeback Reason #1:Criminal Fraud Valid Chargeback Reason #2:Authorization Errors; Valid Chargeback Reason #3:Processing Errors Valid Chargeback Reason #4:Fulfillment Errors; Valid Chargeback Reason #5:Merchant Abuse; Invalid Reasons to Dispute a Charge; Consumer Consequences for Illegitimate Disputes;. Specifically, these updates only pertain to transactions that are charged back after Oct. For digital goods, two or more of the IP address, device ID, or. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. Learn more about Mastercard chargeback reason codes. If the dispute is invalid, provide documentation that proves the reasoning: the merchandise cleared the merchant’s customs but is being held by the customer’s customs agency, the dispute amount includes the cash-back portion of the transaction, or the dispute is for a purchase made at an automated fuel dispenser. Each reason code has its own regulations set by the relevant card scheme. Credit Posted as a Purchase chargebacks, for example, at. Mastercard chargeback reason codes are four numerals without decimals. Additionally, the corresponding fraud report must be accurately identified as Fraud Type 4—Counterfeit, and acquirers have a representment right if the fraudCharge-back Reason Codes VISA ® 10. About Visa chargeback reason codes. Also, remember that the time frame for your response includes any processing required by the acquirer. 3: Other Fraud — Card Present Environment: 10. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. A ruling in the merchant’s favor will return revenue and reverse the original fraud claim. ” This code indicates the cardholder is claiming that the descriptions of the products or services they purchased were vague, inaccurate, or insufficient, and they feel. 0 only applies to reason code 10. Reason code 13. For. • For Visa Collaboration reason codes (RC 12. Effective. the transaction adjustment date for an ATM cash disbursement or PIN-authenticated debit transaction. 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. Chargeback reason code 13. 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). Chargeback reason code 4853 is used to designate “Cardholder Disputes,” or disputes involving transactions that a customer claims are incorrect in some way. Claim. 8 — Original Credit Transaction Not Accepted. 2022 Visa Chargeback. Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. 00. Chargeback Code Chargeback Reason; 10. Chargeback reason code 12. While most payment systems are designed to stop merchants from. Retrieve thine complete guide to the new Visa reason codes, including all the elaborate information, chargeback time limitation, and other important information to need. ”. Fraudulent. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. Visa chargeback reason codes . Visa chargeback reason code 71 falls under the “Authorization” category. RDR will send an alert to the merchant, who can either initiate a refund to end the dispute or accept the chargeback. 2, the issuing bank has a maximum of 120 calendar days from the transaction processing date chart to dispute a claim. The shorthand description is “Card Recovery Bulletin. The most effective chargeback professionals can deliver customized solutions for chargeback management with every facet of your dispute process. 04/09/14 Discover: DC, U02. Fraud (10)& Authorization (11)One catch is that CE3. 1 — EMV Liability Shift Counterfeit Fraud; Visa Chargeback Reason Code 10. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. This standard only applies to chargebacks with Visa reason code 10. . Mastercard. About Careers Contact. ©Full List of response codes for Visa and Mastercard. The latest chargeback rules set by Visa are the answer to the current fraud and chargeback landscape. The reason code used to describe the dispute will determine the chargeback time limit. Using the same link provided above, contact PayPal to report the scam. Code. All Rights Reserved. Visa. 0 standard that has specific defense requirements for chargebacks with this reason code. 1 falls under the “Processing Errors” category. Get Reasoning Cipher Cheat Shelf. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. To easily accomplish accepting cases that you are not going to provide a response to, you may select chargeback(s), (up to 50 cases at a time), by dollar amount or reason code and select “Accept Chargeback”. 4 Funding Process. Visa has responded by creating Compelling Evidence 3. Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. • 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. 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. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Every merchant on the MATCH list is assigned a reason code that explains why they’re on it: 01 Account Data Compromise; 02 Common Point of Purchase; 03 Laundering; 04 Excessive. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. Merchants should review these codes, track which ones they receive, and respond to inquiries and chargebacks with the appropriate supporting evidence. These chargebacks occur to resolve chargeback-related disputes between network members. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Card Recovery Bulletin Authorization Visa Code: 11. Goods / Services Damaged or Defective. When one cardholder initiates a dispute with their issuing. Which is meant to know the reason for the dispute. The situation is only growing worse; according to the 2022 Chargeback Field Report, six out of every ten chargebacks issued in North America in 2023 will be the result of friendly fraud. Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable. A risk department can accurately analyze what the issue is with their. Summary of Changes, 13 December 2018About Visa chargeback reason codes. 4, 13. 1 — EMV Liability Shift Counterfeit Fraud; Visa Chargeback Reason Code 10. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. 4860 Credit Not Processed. Whenever a card used in a transaction is declined, the sale should be terminated. Batch chargeback process. 1 Quick Reference Lead. There are plenty of reasons as to why this would happen, hence the many. Under Visa’s previous chargeback rules, merchants could contest a reason code 10. 15, 2021. 7 falls under the “Processing Errors” category. Reason code 4840 (Fraudulent Processing of Transactions) can no longer be used. 5 Visa Fraud Monitoring Program Authorization Reason Codes The Complete Chargeback Reason Codes List. UA02 Fraud – Card Not Present Transaction. If the cardholder bases the claim on false or misleading statements, it is considered friendly fraud. The shorthand description is “Merchandise/Service Not Received. Net (from Visa) supports all major credit cards, including Visa, Mastercard, American Express, Discover, Diner’s Club, and JCB. 2: EMV Liability Shift Non-Counterfeit Fraud:A reason code or a chargeback reason code is a string of symbols (numbers and letters). Even learning all the terms and rules won’t keep you. Section 2: Card-Present Transactions: Requirements and best practices. 3. Multiple Authorization Requests. 4. The client can define the chargeback reason code. With the overhaul of their reason code system, Visa divided reason. Fortunately, all major credit card networks provide clear information regarding chargeback reason codes. V30. American Express chargeback reason code C42. The issuing bank assigns each case a code according to the consumer’s claim, and the merchant must adhere to the time limits for that specific code. 4859 Addendum, No-show, or ATM Dispute. Reason Code 03: Laundering: The merchant processed transactions that did not involve a bona fide cardholder. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Will the Visa 3-D Secure 2. 10. Fraud – Category 10. Complicating things further, friendly fraud doesn’t provide you with any red flags. st comply, to help ensure the security of confidential cardholder information. Visa Chargeback. Issuer ACS unavailable - Visa generated CAVV. There are several types of Mastercard chargeback reason codes, each with its own unique set of circumstances. 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. Invalid Reasons for a DisputeThe 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. Chargeback reason encrypted were created to standardize the list of acceptable reasons why a bank may file a credit card chargeback or debit chargeback on their customer’s behalf. What is Visa chargeback reason code 12. Since these disputes come from the issuer, a merchant response is allowed only under certain conditions. , all rights reserved, to be used solely for the purpose of providing Visa. Chargebacks with code 4836 were easy to file and hard to contest, meaning the code was commonly misused by cardholders and issuers. 3 – Incorrect Currency 12 . The American Express chargeback process begins with Amex issuing a chargeback, along with a reason code to explain the dispute to the merchant. With CE3. All of Visa’s existing reason codes were condensed into four principal groupers: fraud, authorization bugs, handling errors, and customer. 2023 Consumer Attitudes Towards Chargebacks. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. 2, it’s simple and straight-forward: The merchant attempts in any way to force, circumvent, or override a declined authorization. com;. What is Visa Reason Code 11. So, as we outlined above, both Visa and Mastercard have dedicated. This type of chargeback reason could be named differently across the different card schemes (some examples: Visa 10. 1. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. 2 Compliance Cases Visa Chargeback Reason Code 10. 0 and its benefits; Difference between current and. A fraud whitelist is basically the same idea, only reversed. Nor is the situation static. Reason Code 03. See moreFor each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, and. The first two digits indicate which category the reason code falls under:. Region Only) 4855 Goods or Services Not Provided. 4846. In this article, you’ll learn the key takeaways for merchants: Visa standard chargeback regulations; 3 most common Visa dispute reason codes; New Visa mandate Compelling Evidence 3. Reason . Preventing & Disputing Chargeback Reason Code 10. 0, Visa’s goal was to create a set of requirements that, if met, would provide sufficient evidence to deny the customer’s. 1 Merchandise/Services Not Received. Here’s a look at the reason codes for the same scenario from the major credit card companies: Visa: Reason Code 30 Services not provided or merchandise not received. “American Express Chargeback Reason Codes | Sift”. 4: Other Fraud – Card-Absent Environment in April 2023, in an effort to lower the rate of friendly fraud. In the case of reason code 11. Reason Code 02: Common Point of Purchase: Account data is stolen from the card-present merchant and used with other merchants. Accidents happen, and it’s.