The following are some examples: Visa Reason Code 13. Which is meant to know the reason for the dispute. “Non Fraudulent” ChargebackDepending on the circumstances, chargeback fees typically vary anywhere between $5 and $100 per incident. The codes also appear on financial reporting associated with disputes. Mastercard chargeback collaboration period is between 24-72 hours. Step #2 | Report the Scam to PayPal. Mastercard: n/a This chargeback is caused by Authorization. Reason codes. Payment capture comes after authorization; at this point, the payment is effectively "settled," and the transaction is over. 1 to RC 11. 4853 – Cardholder Dispute – Credit Not Processed. However, even with the convenience and security of Mastercard payments, chargebacks can still occur. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. Mastercard chargeback reason codes. 4863: Cardholder does not recognize. We say the given reason because it may or may not reflect the true reason. 4866: Fraud Chip Card Counterfeit Transaction: A cardholder is claiming that they did not authorise or participate in a transaction that you processed. 89% to 2%. 3), the acquirer has 18 days to respond to the dispute • For Visa Collaboration reason codes (RC 12. Not so long ago, store clerks used to make phone calls to get credit card purchase authorization. [noun]/* kə • stə • mər • di • spyo͞ot/. 4 chargebacks. 2 Other Fraud – Card Present Environment 81(1) 10. This liability shift essentially provides merchants. 5 billion in 2018, and total losses are expected to rise to $80. The newer system is designed to. paper processing and mailing costs. Mastercard chargeback reason code 4860: Credit Not Processed covers situations where the cardholder claims they are due a credit, but believes the merchant did not provide it. 65% + 10¢ Visa Rewards Signature: 2. 4 MasterCard is eliminating Reason Code 02 – ‘Required Information Illegible or Missing’ Ch. Card authorization refers to the actual notification received by a merchant. Mastercard Chargeback Reason Code 71: Disputed Amount. Prevent Chargeback Issuances. 9), the acquirer has 24 days to respond to the dispute • For MasterCard, the acquirer has 45 days to respond to the dispute Reason Code 37 not allowed when merchant supports UCAF: 100007: 400* INVALID_REQUEST: Reason code 37 is not allowed for AFD transactions with CAT Level 2. MasterCard uses four-digit numbers for their chargeback reason codes, each beginning with 48 as the first two digits. ”. Chapter 7: Chargeback responses. Documentation must be a direct result of. ” This reason code typically means that a merchant has processed a transaction in violation of the Mastercard rules. 7 Violation for Coercion Claim. This guide is updated regularly to reflect the latest rules and. TC40 is the name of the report that issuing banks send to Visa to report fraudulent transactions as part of its Risk Identification Service, and SAFE ( System to Avoid Fraud Effectively) is Mastercard’s analogous fraud monitoring program. Chargeback time frames - A specific period of time during which a chargeback can be raised. Depending on the bank, chargeback fees can range anywhere from $20 to $100. 4860 Credit Not Processed. The cardholder was a true victim of fraud (and rightfully) worked with their credit card issuer to get their money back, or the cardholder is trying to scheme their way out of paying by claiming they were a victim of fraud. When one cardholder initiates a dispute with their issuing. It is subject to change and may not include every currently known dispute reason code. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. During an economic recession, the average percentage of revenue lost to a fraudulent transaction increases by 39%. Code. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. A recent survey by Checkout. 4808: This code can refer to:. ”. What is Mastercard chargeback reason code 4812? Mastercard chargeback reason code 4812 falls under the “Authorization” category. Create this form in 5 minutes!Some credit card companies also include a short phrase describing the code and chargeback. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. A chargeback occurs when a customer disputes a charge from your business on their credit or debit card. The use of this reason code indicates that the cardholder does not recognize the transaction as it appears on their bank statement. 04/09/14 Discover: DC, U02. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. Reason Codes Category 4: Processing Errors. When you receive information from your bank about a chargeback, it will include a reason code. AT Authorization Noncompliance. The chargeback notification for the acquirer/merchant will contain the reason code and further information about the disputed transaction. 6. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. For a Mastercard late presentment chargeback to be valid, all the following conditions must apply: The cardholder’s account must be permanently closed. . The tickets were held at the box office, and no signature, swipe or imprint. ), confirming that the cardholder has enough funds or available credit to cover a transaction they're making with their card. 4, 37, F29, U02:. In some cases it can be upwards of 540 days, though,. MasterCard: Reason Code 4859 Services not rendered. Only use EMV-compliant terminals. Thanks for following the Chargeback Gurus blog. To take advantage of these new advice codes, merchants and their acquirers must learn to recognize the new data values and their meanings and use them. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Chargebacks911® offers the industry’s most comprehensive, end-to-end solution for chargebacks, regardless of dispute source. Use this guide as a resource to quickly identify a chargeback reason code from Mastercard. It takes more effort to convert 25 cards to cash, each valued at $20, than one gift card valued at $500. Reason. Credit card fraudsters have some new tricks up their sleeves. This code is now obsolete, and issuers have been instructed to use code 4834 instead. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. 2, 41, C28, AP: Not as Described: 13. It also regulates the way banks must respond to consumer complaints and sets limits on liability for lost or stolen debit cards. mastercard dispute form. 37%: 72. Expedited Dispute Resolution forms will not be allowed. ”. F02. That’s a lot of money moving around… but how exactly does it happen?This code is unique—at least currently—in that Visa has since split it into two separate categories: 12. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. 100007: 400* INVALID_REQUEST: Message reason code invalid for this chargeback - Contactless. Watch on. The shorthand description is “Goods or Services Not Provided. 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. In some cases it can be upwards of 540 days, though, depending on the reason. Code 3000: Fraudulent Transaction - Card Present Environment. This reason code means that the cardholder is claiming that the merchant never provided the goods or services that they paid for. . 3, 13. These codes tell you why the transaction is disputed. For example, the merchant bills the cardholder in installments. 195 Acquirer Use of Message Reason Code 7627. ”. Reason codes are created by the major. If the order was genuinely not as described, then the cardholder has a case. It covers topics such as chargeback rights, time frames, reason codes, arbitration and compliance. . manual processing by uploading chargeback documents instantly. Documentation must be a direct result of cardholder communication. [noun]/* rēzən kōd / 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. This chargeback reason code was retired by Visa in April 2018. Documentation must be a direct result of cardholder communication. The shorthand description is “Fraud—Card-Absent Environment. Chargeback reason codes have changed. Chapters 1, 2 and 5 Chargeback reason codes identify the general reason behind a chargeback. 4853 – Cardholder Dispute – Credit Posted as a Purchase. 1 Chargeback Handling Guidelines 20 10. 20% + 10¢ Visa Corporate: 2. 9), the acquirer has 24 days to respond to the dispute • For MasterCard, the acquirer has 45 days to respond to the disputeFirst Chargeback for Debit Mastercard and Europe Dual Acquirers Fee Collection for Debit Mastercard and Europe Dual Acquirers. The reason code may not reflect the true reason for the chargeback. It can range from 60 to 120 days from the billing date. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a. As both a card network and an issuer, American Express takes it upon themselves to send. 2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. The following reason codes require compelling evidence: Fraudulent transaction (83) Fraud/card absent environment (1040) Merchandise/services not received (1310) Code 4807: Fraudulent Card-Present Transaction. 58%: 70. ’ All 2. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. CVV2. New Mastercard Chargeback Rules. Case Filing. “American Express Chargeback Reason Codes | Sift”. 16, 2021. Visa chargeback reason code 71 falls under the “Authorization” category. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. 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. Reason Code Number. About Mastercard chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 96%: 0. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature) DCC-Related Reason Codes DCC-related chargebacks fall under Mastercard Reason Code 4834: Point-of-Interaction Currency Conversion. Although there have not been major updates to Mastercard’s chargeback rules in 2022, there were a few notable changes in 2021. Technical. Friendly fraud. American Express Chargeback Reason Codes 32 Appendix F Discover Chargeback Reason Codes 41 . Mastercard Chargeback Reason Codes. Credit card fraud is rampant, surging after the massive shift to e-commerce that took place during the COVID-19 pandemic. 03/09/11 Updated Issuer Required Documentation Required for VISA Codes: 53, 57, 62, 72, 80, 81, 85. Mastercard chargeback reason code 4840 falls under the “Fraud” category. The cardholder files a chargeback because the credit card was expired at the time of the transaction. Here are some chargeback reason codes by card type. for chargeback reason code 4863 (Cardholder Does Not Recognize. The bank will investigate the claim and, if necessary, reverse the charge and. 0: Changed report name from Downloadable Dispute Report to Case Report. Chargeback 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. 1 Transaction Flow 2. Reason Code 53 re-presentments must be. The act serves as the legal basis for the chargeback process. 1 Card Recovery Bulletin or Exception File. 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. This factsheet provides information about COVID-19 and chargebacks, including: What you should do before requesting a chargeback. This reason code means that the cardholder is claiming that they did not authorize or participate in a card-not-present transaction, and therefore it must be fraudulent. In 2020, MasterCard revised their chargeback rules and eliminated the “second chargeback” step. (Visa. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. There are two common causes of code 10. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. Code 4837 chargebacks are most often caused by either a fraudster making a purchase with stolen payment credentials or a cardholder failing to recognize a legitimate charge. Multiple Authorization Requests. We’ll start with the bad news: Chargebacks increase by over 20% each year. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64. MASTERCARD Dispute Reason Codes. In these instances, cardholders have 90 days to file a dispute. The shorthand description is “Declined Authorization. 4837: Cardholder non-authorization. Addition of pre-arbitration cycle; April 2020. Invalid Reasons for a Dispute. Reason Code 02. The small business’ guide to credit card chargeback codes. 4 – Counterfeit Merchandise, which applies only to physical products. 30% + 10¢ Visa Rewards Signature Preferred: 2. Network Processing ® © What is Mastercard chargeback reason code 4837, no cardholder authorization, and how can you win it? Don’t waste time defending chargebacks, make your company more profitable by preventing them. About 127 million people in the U. Paymentology will submit the chargeback using the appropriate chargeback reason code. A reason code is how banks categorize the reason for a chargeback. American Express will give you separate numbers for each merchant you intend to patronize, while Capital One and Citibank will provide you with a new number per request, even for the same merchant. 4812 Account Number Not On File. In short: capture is the point at which you get paid for a sale. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. The shorthand description is “No Reply. ” This reason code has been retired by Mastercard, but it was used when the cardholder did not receive the goods or services they purchased. 4808: This code can refer to: Account Number Not on File. EXIDRL–IKVFDLIONCFKNQLOFC AMEX CODE A01Visa chargebacks can be a major inconvenience for merchants. Documentation must be a direct result of cardholder communication. The bank files that disagreement on the cardholder’s behalf, overturning the sale, then claws the funds back from the merchant and. Reason codes 30, 53, 81, 83: Evidence such as. According to Nilson, 56% of global card transactions were done on Visa in 2015. The merchant breached predetermined chargeback thresholds. That’s 50% more time than what the major card networks allow. most cases will have 120 days period to raise a chargeback. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Card networks send these codes to merchants to indicate why a chargeback has been filed. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Code. 1. This would be filed using reason code 12. ”. 2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. Reason Codes: 23 / 37 / 61 / 83 Account numbers do not match After swiping a card, if the card number displayed does not match the number embossed on the face ofDo you want to know how to handle chargebacks as a merchant? Download the Mastercard Chargeback Guide - Merchant Edition, a comprehensive resource that explains the chargeback process, the reasons, the time frames, and the best practices to prevent and dispute chargebacks. Accepting recurring transactions is enough cause for acquiring banks and processors to label you as a “high-risk” merchant. 11. 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 was convicted of criminal fraud: Reason Code. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. July 2011 Chargeback and Exception Processing Guide 3 The Chargeback Cycle. R03 Insufficient Reply. . Appendix Maestro Chargeback Reason Codes 22 12. Reason codes are important to help merchants address recurring. Updated: Valid values updated. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. How to test a dispute. July 2011 Chargeback and Exception Processing Guide 3 The Chargeback Cycle. Rather than request a refund from the merchant who facilitated the purchase, cardholders can dispute a particular transaction by contacting their bank and requesting a chargeback. Chargebacks were originally initiated as a means of providing consumer protection from fraud. 100007: 400* INVALID_REQUEST: Message reason code invalid for this chargeback - AFD. Whatever the case, the merchant may have made a mistake or forgotten to. ”. Card networks send these codes to. • For Visa Allocation reason codes (RC 10. [noun]/cē • vē • vē • tö • kōd/. 1 to RC 13. The shorthand description is “Missing Signature. UA06 Fraud – Chip and PIN Transaction. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. . Region Only) 4855 Goods or Services Not Provided. Mastercard Reason Code Description. 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. Batch chargeback process. The Mastercard Dispute Resolution Initiative is designed to improve the process of handling credit card disputes, reduce the time it takes to resolve them, and prevent many illegitimate disputes from being filed. Description. 0 to 5. In 2021, the main update was the streamlining of their list of chargeback reason. Chargebacks occur. Step 2 | Identify the Reason Code. 4807 Warning Bulletin File. Transaction Processing Rules - Mastercard. Chargeback. 196In most scenarios, professional chargeback assistance can substantially raise your ROI. 3 Fraud – Card-Present Environment. After the issuing bank’s unsuccessful attempt to identify the transaction for the cardholder, the chargeback process begins. Valid Values/Format: 22 - First Chargeback Handling Fee. MCC 5815 — Digital Goods: Media (Books, Movies, Digital. Using the same link provided above, contact PayPal to report the scam. Appendix Chargeback Timeframes for Laser. Credit not processed. A02 No Valid Authorization. If the merchant has a signature showing that the order was delivered, or evidence that the. 6. 10. Chapter 3: Chargeback Reason Codes Guide. Now, compliance cases must be submitted through Visa Resolve Online (VROL). Subscribe to newsletters. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Reason Code 03. This helps you keep your Mastercard chargeback rate low, which will reduce your operating costs and keep your processing rights secure. Acquirer Use of Message Reason Code 7623. Mastercard issuing banks will no longer be able to bundle more than one transaction into a single dispute case. Mastercard issuing banks will no longer be able to bundle more than one transaction into a single dispute case. Get your finish guide on Mastercard reason codes, including all the detailed data, chargeback time limits, and other important information you need. One of the business's owners was convicted of criminal fraud. 3 Necessary Documentation 21 11. 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. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. 37: Fraudulent Processing of Transactions: 40: 2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. R13 No Reply. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. 2% decrease: Georgia: 1. 3. Chargeback Reason Codes. for chargeback reason code 4863 (Cardholder Does Not Recognize. 1 Revised some Mastercard Chargeback Reason Codes/descriptions. You must keep in mind, though: the reason code seldom gives the full story behind the chargeback. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. (833) 622-7283 Contact Us. Transaction Amount: Decimal 0. You can learn more about each one by visiting the Mastercard Chargeback Guide. 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 Mastercard Chargeback Guide specifies that successful transactions using Identity Check are not eligible for a chargeback involving any of the following reason codes: 4837: No Cardholder Authorization. ”. 00 EUR as a Withdrawal fee. 4863: Cardholder Does Not Recognize—Potential FraudThe chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. This code collects all the. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and. A credit card chargeback is a bank-initiated payment reversal for a credit card purchase. 90 Days. The merchant did not receive any returned merchandise. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. 1: Merchandise/services not received Visa uses this reason code when a customer claims they didn’t receive the goods or services they ordered from your business. Reason Code 53 Re-presentment Conditions. ”. M10 Vehicle Rental – Capital Damages. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate. The cardholder initiates contact with their bank or credit union to file a dispute. . Description of Change Where to Look • Increasing the CVM Limits in St. Expedited Dispute Resolution forms will not be allowed. MasterCard has their own numeric reason code system they use. These mandates often involve changes to the transaction process, the addition or removal of certain chargeback reason codes, or changes to the various phases and deadlines involved in the chargeback process. Some disputes are filed because an unauthorized third party used the card, but many consumers dispute their own transactions for one reason or another. for chargeback reason code 4863 (Cardholder Does Not Recognize). Check with the issuing banks to determine what time limits may apply to you. 4, MasterCard 4837, AMEX F29, Discover UA02, and so on). Day 90 – 120 Cardholder can dispute transaction up until Day 90 for reason code 4808 on MasterCard (see Appendix for details), Day 60 for reason codes 4801 and 4802 (see Appendix for details). Mastercard chargeback reason code 4808 falls under the “Authorization” category. Discover chargeback reason code 7030. 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 charge you submitted did not receive a valid authorization approval code for the amount of the charge. 2 Declined Authorization. The new reason codes follow a format of two digits, a period, then a third digit. 2. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. For example, Goods or Services Not Provided was once legacy reason. MasterCard Codes: 37, 40, 63, 70, 71. In 2020, MasterCard revised their chargeback rules and eliminated the “second chargeback” step. By taking the action advised by Mastercard’s logic, merchants and acquirers will be more likely to receive an authorization approval. If the merchant attempts to force a transaction through after the presentment window, the bank may respond with a “late presentment” chargeback. 3 Training Options 2 LIFECYCLE OF A TRANSACTION 2. 11. Expedited Dispute Resolution forms will not be allowed. What is Mastercard chargeback reason code 4807? Mastercard chargeback reason code 4807 falls under the “Authorization” category. The situation is only growing worse; according to the 2022 Chargeback Field Report, six out of every ten chargebacks issued. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Check out how easy it is to complete and eSign documents online using fillable templates and a powerful editor. Merchant processed transaction below floor limit without authorization. “Late Presentment” is a reason code description for three of the four card brands (reason code 12. ”. MasterCard Chargeback Reason Codes: Authorization Issues (Codes 3000 - 3011) Authorization issues occur when a merchant fails to obtain proper authorization for a transaction or when the transaction amount exceeds the authorized amount. Create this form in 5 minutes! Use professional pre-built templates to fill in and sign documents. Visa chargeback reason codes . includes a Retrieval Request Reason Code providing additional information concerning the cause of the request and in some cases, the required documentation (see Table 2-1 and Table 2-2). The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. The reason is simple: unlike larger rivals like Visa and Mastercard, American Express serves as an issuing bank and provides payment-processing services to merchants. The chargeback can be for the total transaction amount or a lesser amount. Accidents happen, and it’s. Card Absent - Fraud Dispute: 10. 196Our ultimate Discover merchant chargeback guide contains all Discover chargeback reason codes with an in-depth explanation. There are several scenarios where a customer may reasonably expect a payment reversal. 07/19/10 Added two new MasterCard Reason Codes: Reason Code 70 Chip Liability Shift; Reason Code 71 Chip/PIN Liability Shift. Cardholder Disputes. TC40 data is used to inform banks and card networks when a merchant has an outstanding fraud. Disputes are a chargeback category. 2 Chargeback Timeframes for MasterCard Note: days are calendar days, not business days Timeframe Activity Day 0 Acquirer processes transaction. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. This ranges anywhere from roughly 60 to 90 days after purchase. Discover: Reason Code 4755 Non-receipt of goods or services. 0. Based on the information provided, Paymentology will investigate the transaction being disputed. Achieve up to 285%. AT Authorization Noncompliance. Card Recovery Bulletin Authorization Visa Code: 11. View XXXX2967. This reason code may also be used for. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. Always use the correct cardholder verification method—signature, PIN, etc. Expedited Dispute Resolution forms will not be allowed. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. 2 Not a Chargeback Guide Replacement 1. 3 No Authorization. The Visa Digital Goods Merchant Fraud Monitoring Program is effective as of April 1, 2023. 11, 16. 2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. That doesn’t count sales involving debit and prepaid cards, which add nearly $2 billion more to the total. The reason code may not reflect the true reason for the chargeback. eCommerce grew too fast for the payments industry to respond. 4849 – Questionable Merchant Activity – Questionable Merchant Audit Program (QMAP). The shorthand description is “Questionable Merchant Activity. Expedited Dispute Resolution forms will not be allowed. Reason Code 04. A reason code is how banks categorize the reason for a chargeback. providing the credit card information is the rightful cardholder, nor is it an unconditional promise or guarantee that you as a merchant will not be subject to a chargeback or a debit. The shorthand description is “Chip/PIN Liability Shift. This reason code comes into play when a card-present transaction that requires a signature is processed and the cardholder later claims that they did not authorize the transaction and do not have a signed copy. 4866: Fraud Chip Card Counterfeit Transaction: A cardholder is claiming that they did not authorise or participate in a transaction that you processed. The chargeback process has been around for decades. If there’s a mismatch, this suggests that the buyer might be engaged in. Code Description; 4801: Requested Transaction Information not Received: 4802: Requested/Required Information. Accessed October 31, 2022. The most relevant Mastercard chargeback codes for the majority of merchants can be broken down into four main categories—authorization, cardholder dispute, fraud, and point of interaction. non_receipt: The buyer claims they didn't get the goods or services.