4 Other Fraud Card Absent. 3? Visa chargeback reason code 11. 4: 4863 Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. The Fintech Times. Use this guide as a quick resource for Visa chargeback reasons at a. We’ve all been there as an eCommerce owner: you excitedly ship out a $1,500 order to a customer, and then a few weeks later you’re notified that the customer has opened a chargeback dispute. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Chargeback Reason Codes All received credit card disputes include a reason code. Reason Codes Category 4: Processing Errors. The list of chargeback reason codes in this article. These chargebacks occur to resolve chargeback-related disputes between network members. Each reason code has certain standards of proof and evidence associated with it that determine whether the chargeback is valid or not. The UA18 is the sub-Reason Code of UA10, is assigned by Discover Card Network where a dispute initiated as a UA10 Retrieval Request and Discover Card Network finds that the transaction receipt provided by the merchant is not a valid one. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. For more information on these and other updates, check out our complete chargeback reason. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. Visa, MasterCard, and American Express all list compelling evidence by reason code. Specify the default reason code from UDC 03B/CB to assign when you enter a chargeback amount. Here cardholder asks for a valid Proof of Delivery showing shipping of goods and/or services as per the. Depending on the reason code, chargeback disputes may have different time limits. pdf - Free download as PDF File (. However, they don’t address the reason why that chargeback was issued in the first place. 6? Visa chargeback reason code 13. Blog additionally Articles; Success Stories; Chargeback Reason Keys; BIN Look-up; eGuides and Reports;. The shorthand description is “Credit Not Processed. 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. Otherwise, the acquiring bank sends a chargeback notification. Reason Code 02. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. Linda ordered a laptop and got transaction authorization code. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Visa, MasterCard, and American Express all list compelling evidence by reason code. "You should maintain dispute templates for each reason code and include your intent to fight the chargeback and why. Merchants were going to be stuck either. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. 10. 2 Compliance CasesCredit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. The merchandise was as described or was not defective. These chargebacks occur to resolve chargeback-related disputes between network members. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. The transaction amount and authorization number (ARN. 0, these guidelines guarantee merchant protections from certain categories of disputes. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. UA05 – Fraud: Chip Card Counterfeit Transaction UA06 – Fraud: Chip and PIN TransactionWhat are the reason codes for chargebacks related to duplicate processing? What do I do if the reason code is not legitimate? Which chargebacks are EMV-related? Why are AmEx. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. 2. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Other Fraud—Card Present Environment. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. Acquirer after the 3-month Workout Period, as described in “Excessive Fraud Activity Notification - U. Reason codes. In most cases, you will have 20-45 days in which to respond to a chargeback. Discover Reason Code UA05. ↩ Back to Directory. What is Visa chargeback reason code 12. ©About Discover chargeback reason codes. About American Express chargeback reason codes. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. 0 August 4, 2023; Stripe Holding. Most chargebacks begin with the cardholder contacting their bank to dispute a charge on their. If the conflict can be settled, the acquiring and issuing banks do so. 1: Use the corresponding dates from the invoice that is used to generate the chargeback. Partners. 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. Check with the issuing banks to determine what time limits may apply to you. LP. Chargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. 196In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. One of three things will happen: The issuer rules in your favor: Your representment case validates the original transaction. However, Visa is the largest card brand in both the United States and the world. 1001 - Cardholder does not recognize the transaction. What is Visa chargeback reason code 12. 10. 1: goods not received. 2. A chargeback is the potential outcome of a disputed credit or debit card transaction. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. The shorthand description is “Good Faith Investigation. 4: 4863 ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. Depending on the reason code, chargeback disputes may have different time limits. 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. Category. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. Company. Then it chooses the most applicable code for a. 00 EUR as a Withdrawal fee. Chargeback Reason Codes (03B/CB) You must assign a chargeback reason code (03B/CB) to explain the reason for entering chargeback for the invoice. Responding to Mastercard Reason Code 4853 Chargebacks. 1. You must tailor your representment case — including the compelling evidence — to the reason code under. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. He then pays with his credit card. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. Either the acquiring or issuing bank could initiate the chargeback. High-Risk (Excessive): Reaching a chargeback ratio of. 4808 Authorization-Related Chargeback. Chargeback representment is the process through which merchants can submit evidence to prove that a chargeback is illegitimate. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. 1: EMV Liability Shift Counterfeit Fraud:. Fraud. For educational purposes, here is an overview of the general chargeback process with most major processors: Step 1: A purchase occurs – All chargebacks start with a customer making a purchase, either in-person, in-app or online. UA06 – Fraud:. 2 Authorization Your for Original. Aforementioned definitive guide includes and chargeback reason codes from each of the four major bill networks. Then, apply calculations and chart your results. The most significant category of reason codes is fraud. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. As both a credit card network and issuing bank, Discover places significant emphasis on customer satisfaction when handling cardholder disputes. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. ”. 1 Card Recovery Bulletin or Exception File. Solutions. linkedin. Take, for example, a reason code 4853 chargeback claiming that. 4 spec (Section 8. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. Paymentology will submit the chargeback using the appropriate chargeback reason code. 2 EMV Liability Shift Non-Counterfeit Fraud:. 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. Discover Chargebacks / Disputes. Breakdown your chargeback data by some of the variables you collected in step #2: marketing source, product type, issuer BIN, customer’s country, reason code, price, billing cycle, and lag time (amount of time between the transaction and the dispute). 4865 PM 4864 NF Non-Receipt of Case from ATM-Cancelled Recurring Digital Goods Transaction Cardholder Dispute 4866 UA05 4867 UA06&Fraud Chip Card Counterfeit Tranaction Fraud Chip and. Contact ChargebackHelp and we can have you sleeping better at night by improving your dispute protection in very short order. ”. [1] Sift. Note: Mastercard has a 20% Tip Tolerance when the card isn't. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. This code indicates an unauthorized charge was made to a chip-and-PIN card in a card-present transaction. To be labeled with reason code 10. UA06 Fraud: Chip and PIN Transaction. Fraud – Chip Counterfeit Transaction. Build & Submit a Representment Case in 4 StepsWith an eCommerce transaction, 3-D Secure technology works like an online PIN code. 2 Declined Authorization. 2 falls under the “Processing Errors” category. Articles; Chargeback Reason Codes;. ”. The system does not accept blank as a value, even if it is defined in the user defined code table. 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. Let’s say you got a Visa chargeback with reason code 13. George goes to an ice cream place and orders bars for all his friends. Check the chargeback reason code. Which fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. At Visa they used to receive reason code 98. 3. Merchants who receive a chargeback for a transaction placed with a Discover card may encounter reason code UA05, which indicates an improperly authorized transaction that the cardholder does not believe they should be responsible for paying. American Express . UA05. 99. Chargeback reason code 10. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. Read the Chargeback Advice letter carefully. 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. 5, and all aspects of chargeback reason codes, with proprietary. Discover Chargebacks / Disputes. . If you get a chargeback,. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. A chargeback happens when a customer requests for a transaction to be. Street Address, city, state, and Zip code. Learn which strategies to use because she fight and prevent consumes disputes with reason code. EMV has been a mostly global standard since 2004. By entering your email, you agree to receive marketing emails from Shopify. Fraud/Counterfeit Chip Transaction. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. 1. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. If you leave this processing option blank, you must enter the chargeback reason code manually. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. A fraudster completed a transaction using stolen account or payment credentials. Visa chargeback reason code 85 falls under the “Consumer Disputes” category. news & updates. Visa Chargeback Life Cycle. Category. The most comprehensive direct toward chargeback reason encryption. Credit card decline code 05 is a message you receive from the customer’s credit card issuing bank. Chargeback Reason Codes. ; Resources. The third digit indicates the specific reason within that category. 4866 UA05: Fraud Chip Card Counterfeit Transaction: 120. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. The customer regrets their purchase. 4 Ways to Fight Chargebacks: Gather compelling evidence. 975. For example, suppose a cardholder filed a case about an order processing issue, and you disputed the chargeback. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. The chargeback process can last from one month to six months. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Offer shipment and delivery tracking. 4. Technical. UA05 Fraud – Chip Counterfeit Transaction: 4849 Questionable Merchant Activity: 10. reasonable and that the transaction did not exceed this amount range. The sales person accidently approves the transaction. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. Another thing you should bear in mind is that the card brand involved in the dispute can also change the reason code to suit new developments. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. paper processing and mailing costs. Case Studies. Solutions. The reason for such chargeback (Non-Receipt of Goods or Services) is when a customer claims that they have paid for the items, but have not… 2 min read · Nov 2, 2017 Edward_WillmonHere are some chargeback reason codes by card type. Reason codes are very crucial to assist. 4: 4863 Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. Reason code 4871 – Chip & PIN Liability Shift How can I actively prevent fraudulent chargebacks? Depending on your workflow or third-party integration use, it may curb. The charge you submitted did not receive a valid authorization. Products. 5158. 6. Hence, she disputes the merchant under the Reason Code UA02: Declined Authorization. 105. A08 Authorization Approval Expired. Additionally, Discover uses a fifth "No Classified" category. Learn about the different chargeback reason codes and what they mean. Chargeback . 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. The reason code. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. 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. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. Using the same link provided above, contact PayPal to report the scam. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other. Key-in is chargeback reason key and get a detailed explanation of what i means, how to fight the chargeback, also how to prevent disputes in the future. Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. This reason code is used when a cardholder claims that the merchant charged them for a different amount than what they agreed to pay. Choose the representment amount. 3 falls under the “Authorization” category. When you receive notification of a chargeback, the first thing you want to do is look up the reason code. Next Page. ”. The issuer investigates. The issuing bank collects evidence from the customer and categorizes the chargeback using the appropriate, card network-specific, reason code. reason codes. This chargeback occurs when goods and services did not obtain authorization for the particular transaction exceeding the goods and services’ Floor Limit. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. 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. Codes are not often shared between issuers which means it can be difficult to remember the details of each. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. Reason Code UA06: Fraud/Chip-and-Pin Transaction. Reason. If Verify+ detects a mismatch or other dubious operation, the company will notify thou. This is a fairly common chargeback reason that can. The shorthand description is “Incorrect Charge Amount. Chargeback Reason Codes and Descriptions. These are only a handful of common Visa chargeback reason codes. Here finalizing user includes the chargeback reason codes from either of the foursome major card networks. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. Proof that magnetic stripe or key entered data was used to complete the transaction and the “fallback” method was noted. 2 falls under the “Fraud” category. Home; About Us; Services. Step 2: Customer initiates the chargeback. Fraud/Chip-and-Pin Transaction The following chargeback reason codes are related to EMV: Visa: 10. She later changes her mind and cancels her order for which she didn’t receive the code. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. txt) or read online for free. Click on “report a problem” and select the transaction in question. FAQ: What is Chargeback Representment?. It can range from 60 to 120 days from the billing date. 1. A reason code is how banks categorize the reason for a chargeback. UA01 Fraud / Card Present Environment UA02 Fraud / Card-Not-Present Environment RM Quality Discrepancy UA05 Fraud / Counterfeit Chip Transaction RN2 Credit Not Received UA06 Fraud / Chip-and-Pin Transaction >Not Classified UA10 Request Transaction Receipt. 4808 – Authorization-Related Chargeback – Cardholder-Activated Terminal (CAT) 3 Device. Retrieval Request/ Copy request Reason Codes. This ranges anywhere from roughly 60 to 90 days after purchase. The cardholder claims that they did not. 2. The most comprehensive guide to chargeback reason codes. 4853 – Cardholder Dispute – Goods or Services Not Provided. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. Reason . Prevented; Recover; Tools. If you get a chargeback,. 15, 2021. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. A chargeback with reason code 4853 may refer to disputes where the customer claims that a charge on their account is invalid. Learn which strategies to use as you fight and prevent consumer disputes for reason id. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. Written by Chargeback Curators. The client will send this dispute to Paymentology’s Global support team via email – [email protected]: No Authorization. One might almost consider this chargeback a technicality, as it only exists when the merchant explicitly agrees to take liability for a dispute and accept a chargeback. instagram. Merchants who believe they have received an invalid chargeback under reason code 12. Vantage Housemessage. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Early Warning: Reaching a chargeback ratio of 0. 3. 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. Check the chargeback reason code. This list was generated 5/4/2022. Fraudulent TransactionsYour first step is to identify the chargeback reason code, which is a kind of shorthand that indicates why the transaction is being disputed. manual processing by uploading chargeback documents instantly. 6). Examples are: DA: Disputed amounts. ”. Go to Midigator®. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Here’s how. pdf), Text File (. Chargeback Reason Code 83: Fraudulent Transaction – Card Not Present (44. It should be on the checkout page near the submit. Train staff on the proper POS procedures. 6:. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. The merchant makes several attempts on a declined card or tries to circumvent, override or force a declined authorization request. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Each bank card network has its owner list of reason codes banks must prefer from. 4853 – Cardholder Dispute – Goods or Services Not Provided. The issuing bank will evaluate the evidence provided and, if they find it compelling, reverse the chargeback. Either the acquiring or issuing bank could initiate the. However, for simplification, they are divided into eight categories: Fraudulent activity; Authorization issues;. IN. Cause. UA05 – Fraud: Chip Card Counterfeit Transaction. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. 1 chargeback: 1. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. Visa Chargeback Reason Codes. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The chargeback reason codes below explain why this happened. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. C04 – Goods or Services Returned/Refund C05 – Goods or Services Canceled C08 – Goods or Services not Received/Partially Received C14 – Paid by Other. [email protected] American Express chargeback reason codes. 9% with at least 100 total disputes. When a card is declined, it is in your best interest to accept that answer and either cancel the transaction or ask for a different form of payment. Info Us; In and. Chargeback Reason Codes by Network - 2023 Guide. Discover. To subscribe and learn more about the free online chargeback management system, or contact Chase Paymentech Client Services at 1. Based on the information provided, Paymentology will investigate the transaction being disputed. UA05 - Fraud Chip Card Counterfeit 4871 - Fraud Chip and Pin Transaction: AmEx: F30 - EMV Counterfeit Transaction F31 - EMV Lost/Stolen . Reason Code UA05 : Fraud/Chip Counterfeit Transaction ↩ Back to Directory Dispute Card Issuer Discover Reason Code UA05 Category Fraud Claim The cardholder claims their. ; Help Center Find answers to common questions about Midigator’s technology,. This Visa chargeback condition is very common. American Express chargeback reason code P05 falls under the “Processing Errors” category. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. SP: Short payment. UA01 Fraud: Card Present Transaction. Therefore, it is essential for merchants to have a clear. 104. pdf), Text File (. Although, this fraud detection tool works after the transaction has come completed. Examples of compelling evidence that you may submit in response to a chargeback with this reason code include: A copy of the authorization request that proves you processed a valid chip card transaction with a PIN entry. Merchants who believe they have received an invalid chargeback under reason code 11. What is Visa chargeback reason code 13. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. . Fight; Prevent; Get; Assets. The issuing bank will evaluate the evidence provided and, if they find it compelling, reverse the chargeback. for chargeback reason code 4863 (Cardholder Does Not Recognize). 3 falls under the “Authorization” category. Hence, she disputes the merchant under the Reason Code UA02: Declined Authorization. Resources. UA05 – Deception: Chip Card Counterfeit Transaction; UA06 – Fraud: Chipp and PIN Billing; Discover Chargeback Reason Codes. Fraud. To avoid this, issuers can identify their chip cards using the Service Code field with a first byte value of 2 or 6. Chargeback reason code 10. About Visa chargeback reason codes. View the entire list or search for any chargeback reason code. Description. ; Resources. Accessed October 31, 2022. Required signed receipt for key. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. The incorrect amount being charged. 634. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. This definitive guide includes the chargeback reason codes coming each of the four greater menu networks. The claim often, but not always, involves automated teller machines (ATMs). Reason Code 03. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. American Express is incentivized to keep their customers happy. About American Express chargeback reason codes. Chargeback Reason Codes and Descriptions. It can range from 60 to 120 days from the billing date. This scenario applies when the arbitration was raised by either the. Chargeback reason codes can be confusing, especially since each. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. The assigned chargeback reason code outlines why a customer submitted the dispute.