Chargeback reason codes list. 3 applies when a cardholder claims a charge—made in a card-present environment—was. Chargeback reason codes list

 
3 applies when a cardholder claims a charge—made in a card-present environment—wasChargeback reason codes list • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute

Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831 Transaction Amount Differs 4834 Duplicate. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. Generally, this information can be used to: resubmit for payment. Each chargeback reason has its own, individual prevention techniques. What is Visa chargeback reason code 11. M49 Vehicle Rental – Theft or Loss of Use. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. 13. ETAILS. About Visa chargeback reason codes. Below is the list of reason codes broken down by the card brand, with detail as to what specific evidence or information needs to be provided when responding to a retrieval request. You must tailor your representment case — including the compelling evidence — to the reason code under. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. Visa chargeback reason code 75 is filed as an honest mistake. compliance process depending on whether a chargeback right exists. Oftentimes, the reason code assignment is based on limited knowledge and insight. C04 – Goods / Services Returned or Refused. In simple terms, Mastercard Chargeback Reason Code 4859 — No Show/Addendum/ATM Dispute refers to situations where a customer claims the services purchased from a merchant were not fulfilled. In theory, the reason code will pinpoint why the cardholder is disputing the transaction. When a chargeback is submitted, the issuing bank selects a reason code from the list provided by each card network. Company. 1 Quick Reference Lead. It goes. 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). 4849 – Questionable Merchant Activity – Questionable Merchant Audit Program (QMAP) 4863 – Cardholder Does Not Recognize – Potential Fraud. Chargeback Reason Codes. Get proper authorization and manual or electronic imprint for each card present transaction. 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. ; This chargeback may be reversed by supplying information such as the method and date when the authorization code was obtained or evidence that a credit was issued. FR2 Fraud Full Recourse Program. Expand the categories below to view the full list of Discover chargeback reason codes. MasterCard’s Corporate Purchasing Department Account Program does not have rights for the following message reason codes: 4835 — Card Not Valid or Expired. 1 falls under the “Consumer Disputes” category. Discover Chargeback Reason Codes Explained. Paid by alternate means and card. Today, Visa expects members to communicate through VROL and try to. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. The shorthand description is “Incorrect Transaction Code. Reference these when rebutting cardholder disputes at your small business. 6). Thanks for following the Chargeback Gurus blog. If the order was genuinely not as described, then the cardholder has a case. 3: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. You may also receive this code if the transaction was. Condition 13. The journal Chargeback reversed is booked and the disputed amount is transferred back into your account. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. 8 – Original Credit Transaction Not Accepted. 1003 - Transaction Supporting Document (TSD) needed. 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. Step 1 – The customer initiates a chargeback dispute request over a transaction. Solution. The customer was wardrobing. Reason. The reason codes are grouped into several broad. 2. Visa groups its various reason codes into several broad dispute categories. In most cases, the bank chooses a course of action based on information the cardholder provides. Retrieval Request/ Copy request Reason Codes. You may know that every dispute you receive is attached to a chargeback reason code. The shorthand description is “Merchandise/Service Not Received. Some payment service providers like PayPal and Stripe have their own reason codes as well. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. This is a code taken from the card scheme’s published list, which identifies why the issuer filed the dispute: Visa Chargeback Reason Codes. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Visa chargeback reason code 75 is filed as an honest mistake. Ensure you’ve fully reviewed the chargeback reason code before writing your chargeback rebuttal letter. That's why we created this handy reason code lookup tool that includes all the codes for all four major card. Step 2: Customer initiates the chargeback. The cost of payment card fraud has increased by 60% over the last decade, and is expected to increase significantly post Covid-19. 13. Visa Chargeback Reason Codes; MasterCard. Support; Login. Goods / Services Damaged or Defective. Now, compliance cases go through Visa Resolve Online (VROL). Goods and services not as described or cardholder received defective goods or services 3. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. Chargeback Reason Codes. Midigator has created a database of Mastercard reason codes. By closely examining the characteristics of each chargeback, you. Chargeback reason code 10. Issuer ACS unavailable - Visa generated CAVV. FR4 Immediate Chargeback Program. If you have a check or draft returned, pay close attention to the reason code so you know if you can redeposit the item. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. M01 Chargeback Authorization. It gets worse. Excessive Fraud: The merchant’s sales volume thresholds for the ratio of fraud to sales were exceeded. In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Claims Resolution. Mastercard: n/a This chargeback is caused by Authorization. Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds. The issuer reviews the case, assigns a reason code, and initiates the chargeback. The merchant can choose whether or not the reason makes sense and. Blog. Mastercard gives you 45, and Discover gives you 30. Both EFM and ECM measure compliance at the MID level. How to Prevent. 6 Credit Not Processed . 6. If you. 9 – Non-Receipt of Cash or Load Transaction Value. 3. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. Reason Code 04. 4 – Counterfeit Merchandise. Chapter 2 1. Chargeback Reason Code A numerical code that identifies the specific reason for a chargeback. But in general, the most common reasons for chargebacks include the following: Fraud:. Discover - RG Non-Receipt of Goods, Services, or Cash. This category for scamming chargeback claims is represented with the following reason codes: AMEX - F29 Card Don Presentational. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback MitigationChargeback Reason Codes by Industry. Chargeback Reason Codes. It doesn’t help matters that travel is a high risk industry for credit card payments and with 100+ reason codes across all issuers, making sense of them all is a challenge. When filing a chargeback,. The client can define the chargeback reason code. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. Non-Receipt of Goods or Services Chargeback Reasons. Code 4807 was used to cover various authorization-related. Additionally, one clearing transaction. Process reversals and credits promptly. Chargeback reason code 10. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. These codes can. Partners. 7 • A transaction has been processed against a card number that is invalid because it does not exist, has not been assigned to an active cardholder account, or is otherwise incorrect. Reason Code 02: Common Point of Purchase: Account data is stolen from the card-present merchant and used with other merchants: Reason Code 03: Laundering: The merchant processed transactions that did not involve a bona fide cardholder: Reason Code 04: Excessive Chargebacks: The merchant breached predetermined chargeback thresholds: Reason Code. 13. A new 4 byte reason code will be used moving forward. The merchant can choose whether or not the reason makes sense and. Discover Card Chargeback and Dispute Rules. 16, 2021. Chargebacks have both short and long-term ramifications for merchants. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 83 Fraud-Card Absent Environment The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. Knowing these categories helps you further understand the chargeback and identify any problems within your payment solution, customer service, and sales processes. Mastercard – 4853 Cardholder Dispute of a Recurring Transaction American Express – C28 Canceled Recurring Billing Discover – AP Recurring Payments The. These codes help businesses understand the cause of chargebacks and how they can prevent them in the future. Chargeback reason codes are an abbreviated way of offering a basic explanation for the chargeback. 3 is the less common version for card-present transactions. If you believe you have received an ACH return in error, you can contact your bank. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. R13 No Reply. Case Studies. Mastercard Reason Code 4807 – Warning Bulletin File chargebacks should be filed under code 4808. About Careers Contact. 4837 — No Cardholder Authorization. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. As a merchant, your focus should be on finding and retaining customers--not chargebacks. Each code begins with 'R' followed by a two digit number. . 02/10/16 Added Debit Chargeback Reason Codes. 29. Reason codes are very crucial to assist merchants to. Chargeback Reversed. CHARGEBACK: Customer has disputed part or all of the transaction. Description: Reason Code: Explanation: Incorrect Card Number: American Express P01, P22; Discover IN; Mastercard 4808; Visa 12. to research a chargeback or reversal case, which is related to an authorization or fraud related chargeback reason code. Midigator has created a database of reason codes. news & updates. S. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. And, each code has unique compelling evidence requirements if you choose to fight. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. 02. View the entire list of Visa reason codes below. 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 reason for the dispute. • 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. 46 4. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Blog. message. These codes are established by the payment brands to categorize the incoming dispute requests by reason. 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. Chargeback. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. The documentation required for a given chargeback will depend on the reason code. 0: Changed report name from Downloadable Dispute Report to Case Report. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). Discover can be contacted for payment disputes by logging onto your online account or by calling 1-800-DISCOVER (1-800-347-2683). Stage 1: First Chargeback. . For the time being, however, merchants should be aware that banks may still use the legacy code. UA02 Fraud – Card Not Present Transaction. The American Express chargeback process begins with Amex issuing a chargeback, along with a reason code to explain the dispute to the merchant. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. C. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. Commonly selected actions include Dispute/Reverse Chargeback or Accept Chargeback. View the entire list of reason codes below or search our database for specific insights. 08. Chargebacks with the following reason codes are requested due to fraudulent activity. You can learn more about each one by visiting the Mastercard Chargeback Guide. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback MitigationVisa chargeback reason code 70 falls under the “Authorization” category. To complicate matters, the major credit card companies (Visa, MasterCard, Discover, and American Express) don’t even use the same number-coding system to describe. 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. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. A fraudulent chargeback represents much more than a lost sale for merchants. Maestro. 5%. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. The codes also appear on financial reporting associated with disputes. Evidence Required. Blog. P04 – Charge Processed as Credit. Chargeback reason codes are alphanumeric codes established by major card networks that indicate the reason for a chargeback. 1 – CBK: EMV Liability Shift Counterfeit Fraud 10. For a more detailed explanation, as well as a list of Visa’s individual codes, please refer to our guide on chargeback reason codes. If the cardholder bases the claim on false or misleading statements, it is considered friendly fraud. One of these changes was an overhaul of Visa’s list of chargeback reason codes. 2 – CBK: Incorrect Transaction CodeThe chargeback reason code list is a standardized set of codes that are used by credit card companies and banks to categorize the reasons for a chargeback request. The Complete Chargeback Reason Codes List Visa Discover Mastercard American Express How to Use Chargeback Reason Codes 5 Things Merchants Should Understand About Chargeback Codes Credit Card Chargeback Reason Codes: Final Thoughts FAQs about Chargeback Reason Codes 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 reason for the dispute. R13 No Reply. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Defense documents should only be supplied if all requirements have been met. Use this resource to prevent and fight chargebacks with greater accuracy. 5, and all aspects of chargeback reason codes, with proprietary. Pre-ArbitrationSteps to Prevention. It was originally one of several possible scenarios covered by legacy Visa reason code 83. The following is a list of Walmart deduction codes, definitions, and corresponding EDI: Paper Code: EDI: Definition: 001: F1: Defective: 002: 15: Return recall: 003: GG: Unsellable merchandise: 010: 01:. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Reason Code 05. Select a tab to see the possible. The charge is returned to the customer’s card that was used for payment. All ACH return reason codes consist of the letter “R” followed by two. 11, 16. MATCH List Reason Code: Title: Explanation: Reason Code 01: Account Data Compromise: Account data is stolen from the card-present merchant and used with other merchants:. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. The initial release of this standard does not add, remove or change any Return Reason Codes. For example, reason code 10. So don’t spend another second worrying about chargebacks. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. 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. This code is unique—at least currently—in that Visa has since split it into two separate categories: 12. PCI DSS v3. Check Card A bank card that can be used with a PIN at an ATM or without a PIN at the point of sale, also known as an offline debit card. 4 applies to eCommerce, whereas code 10. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. Reason Card Type Reason Code Description Merchant Action Code This chargeback occurs because of a dispute on an Airline sale involving allegedly fraudulent card transactions. Mastercard: n/a This chargeback is caused by Authorization. Friendly fraud. When disputing a chargeback, select the document(s) that support your case, attach. The issuer is still reviewing the defense. Common ACH dispute codes. Dispute network reason codes categorization . The chargeback process allows for cardholders to recover funds in the event of fraud or abuse. P07 – Late Submission. This reason code is accompanied by a fraudulent reason code (UA). eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason. Once you’ve identified the reason for the chargeback, you can investigate the transaction to determine whether or not the chargeback is legitimate. Find explanations for the major credit card issuers dispute reason codes in the Cardholder Dispute Reason Code EncyclopediaAlternatively, you can find the list of Klarna dispute notifications in your Customer Area by going to Risk > Disputes > Requests for Information. 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. Credit Posted as a Purchase chargebacks, for example, at. To quantify the total cost of fraud, we break down the many losses that accrue along the purchase journey of a fraudulent $100 sale. 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. MasterCard - 4855 Goods or Services Not Provided. [1] Sift. About American Express chargeback reason codes. A number of factors contribute to a high chargeback ratio. The chargeback reason codes below explain why this happened. Expired Card: Some people hang on to cards longer than they should. 1 Merchandise/Services Not Received. The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. If like most Discover cardholders, your card was issued by Discover Bank, they are the ones you must contact for a Discover chargeback or to dispute a transaction. Resources. 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. Chargebacks are initiated when a cardholder disputes a transaction, resulting in a reversal of their original payment. The code replaces Visa’s legacy reason code 41. 13. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. “American Express Chargeback Reason Codes | Sift”. C05 – Goods / Services Cancelled. What Are Chargeback Reason Codes? Chargeback reason codes are a set of numbers and letters indicating why a. Services industry for image exchange and the creation of IRDs. The other member could accept the chargeback or contest it, escalating the dispute to compliance where Visa adjudicates. You processed a transaction with the counterfeit card on a terminal that wasn’t EMV-compliant rather than using a chip reading device that would have detected the fraud. 4 spec (Section 8. Step 2 – The issuing bank reviews the chargeback dispute charge and electronically sends the transaction to the acquiring bank. If you still believe you're in the right, then be prepared for a "fight". #9. 1. 3. The deadline for a Chase Bank customer to dispute a transaction is 60 days. 4 Funding Process. Code 13. ” This reason code means that the cardholder is disputing a transaction by claiming that they never received the merchandise or services. Reason Code 81: Fraud. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. 7: Defective goods and services: C32: RM: 13. Region Only) 4855 Goods or Services Not Provided. American Express, Discovering, Visa. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. These codes are broken down into five different category. When filing a chargeback, the issuing bank chooses a reason code from the list for the applicable card network. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. The other member could accept the chargeback or contest it, escalating the dispute to compliance where Visa adjudicates. Declined Authorization Authorization Visa Code: 11. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Chargeback reason code 4853 is used to designate “Cardholder Disputes,” or disputes involving transactions that a customer claims are incorrect in some way. Once filed, the merchant generally has 20. These codes are currently defined within the ANSI X9. Case Studies. Code. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Cardholder Disputes. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case. These codes explain the reason why the chargeback was filed, and the reason. “Goods Not Received” also jumped to 9% of repudiated transactions as customers attempted to recoup losses for canceled flights. Like your chargeback-to-transaction ratio, card networks also monitor your fraud-to-sales ratio. And each reason code has unique compelling evidence requirements if you choose to fight. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. 0: Updated report version from 1. Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment) 2. and the last 4 digits of the card number. Spot these types of chargebacks using the below reason codes. 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. Scenario 2. Visa Chargeback Reason Codes. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. About Careers Contact. For information concerning Chargeback Response Code, see the Chargeback API Reference Guide. Company. Medicare reason codes are 3 digit codes found in processing reports and Medicare benefit statements. 8 – Original Credit Transaction Not Accepted. Example: “I am familiar with all of the major chargeback reason codes, including non-receipt of goods,. Chargeback Reason Code. Today, Visa expects members to communicate through VROL and try to resolve their. Multiple Authorization Requests. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. For returns, the time period is 7 days. 4871 – Chip Liability Shift – Lost / Stolen / Never Received Issue. . 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. The Late Presentment chargeback rights and language were moved from chargeback reason code 4834 (Point of Interaction Errors) to reason code 4808 (Authorization-Related Chargebacks). In the case of reason code 11. Incorrect Transaction Code. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. Each card company has its own set of codes that indicate the specific reason that a cardholder initiated a dispute. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. Except for Reason Code 75, the time limit is calculated from one of the following: Fraud chargeback reasons. For each reason code, a definition is Chargeback Reason Codes. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831. 2 Declined Authorization; 11. Visa Reason Codes. Please refer to chapter 5 for more information. Chargebacks with the following reason codes are requested due to fraudulent activity. And each reason code has unique compelling evidence requirements if you choose to fight. Chargebacks explained. AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. The Online Chargeback Management guide (PDF) is to help merchants input debit adjustments. C28 – Cancelled Recurring Billing. 2. It could be a PIN or signature. An XCK entry may be returned up to sixty days after its Settlement Date. Partners. That said, looking up purchases using this number can make it easier to provide info following an. Learn more about chargeback reason codes here: Chargeback Reason Codes: List & Tips for Merchants. About Discover chargeback reason codes. 3 – CBK: Requested/Required Authorization Not Obtained 12. This reason code indicates that the merchant processed a transaction using the wrong transaction code. 7 Violation for Coercion Claim. Some of the reasons why the order did not reach the cardholder can be as follows: The merchant did not provide the services;ECM monitors first presentment chargebacks regardless of reason code or transaction type. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 — Updated Special Notes. A transaction event code, or T-code, is a five-character alphanumeric string, such as T0001. Visa Merchant Official Documentation. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. To generate a chargeback, the issuer must submit the First Chargeback / 1442 message with the applicable message reason. R03 Insufficient Reply. Each of the major card brands, including Visa,.