1. Chargeback . For each reason code, a definition is The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Visa Chargeback Reason Code 85. . Find explanations for the major credit card issuers’ dispute reason codes in the Cardholder Dispute Reason Code EncyclopediaThe aim of CE 3. An ACH dispute results in a chargeback for the business that processed the payment. 00. Reason codes are very crucial to assist. This code is now obsolete, and issuers have been instructed to use code 4834 instead. 0 to 5. . For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. It is caused by not issuing credit, or issuing it but not depositing on time. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. 7. Visa Chargeback Reason Codes. 2. Each card network maintains reason codes to cover all the disputes that qualify for. Additionally, one clearing transaction. Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that includedThe 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. Description of Change Where to Look AN 1193—Revised Standards for the Chip LiabilityVelocity checks (sometimes referred to as “velocity limits”) are a fraud prevention mechanism widely used by eCommerce merchants. 3? Visa chargeback reason code 13. The Fintech Times. Chargeback reason code 4853 can be used to indicate cases in whic the merchant failed to cancel a recurring payment (when requested by the cardholder). Please refer to chapter 5 for more information. This process is called. 344 Message Reason Code. This chargeback is usually caused, because the merchant: Did not issue a credit. It can also be caused when the merchant doesn’t refund. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. Bank of America issues both Mastercard- and Visa-branded cards, so the exact requirements may vary depending on the Mastercard reason code or Visa reason code . - Reason Code 85, "Credit Not Processed" First published on BankersOnline. The major card networks have different reason codes for chargebacks, which, although useful for representment, can be confusing and challenging to keep track of accurately. The details on the allowed compelling evidence are included with the reason code description and details. Ordered materials. 3 No AuthorizationWhat stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. But cardholders and merchants have different time limits. Discover: Reason Code 4755 Non-receipt of goods or services. In most cases, you will have 20-45 days in which to respond to a chargeback. [1] Sift. These chargebacks occur to resolve chargeback-related disputes between network members. . The list. The shorthand description is “Transaction Amount Differs. At Visa they used to receive reason code 98. The chargeback process can last from one month to six months. Either the acquiring or issuing bank could initiate the. For each reason code, a definition is Mastercard Chargeback Guide is a comprehensive document that explains the rules and procedures for resolving disputes between cardholders, merchants and issuers. The most comprehensive guide to chargeback reason codes. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Shift (Reason Code 4871) section. Visa. Discover is a credit card network and an issuing bank—just like American Express. Card issuers and card networks deem certain chargeback codes to be nearly indisputable by merchants, and as a result, a merchant can be charged a fee of up to $500 by card networks for submitting a dispute of such chargebacks. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. F01. R03 Insufficient Reply. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. 85: Credit Not Processed:. 4 Section . Which is meant to know the reason for the dispute. Notification of Fraud. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. 6 is an updated version of legacy reason code 85, which was phased out under the Visa Claims Resolution initiative. CE 3. 1. Let’s say you got a Visa chargeback with reason code 13. #9. That said, looking up purchases using this number can make it easier to provide info following an. Responding to Mastercard Reason Code 4853 Chargebacks. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. Each code begins with 'R' followed by a two digit number. The chargeback reason code. Chargeback amount is equal to or less than the exceeded limited /authorised amount. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and. Mastercard Collaboration will be a step in the right direction. print email. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Your response to a Reason Code 85 chargeback will be determined by the particular circumstances, as follows: Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. Updated these MasterCard Chargeback Codes: 08, 12, 55. Oftentimes, the reason code assignment is based on limited knowledge and insight. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. 3. First, after a cardholder contacts the bank to inquire about a transaction, the bank uses VROL to pull detailed transaction information. Knowing this, they typically “test. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingSection 7: Chargeback Reason Codes: Detailed information on the reason codes for the most common types of chargebacks that merchants receive . Reason codes differ by card brand (Visa, Mastercard); a complete list can be found here. 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. Try Shopify free for 3 days, no credit card required. 6. 1 falls under the “Processing Errors” category. It balances out the process and gives merchants the much-needed opportunity to influence the progression of a dispute before it becomes a fully-fledged chargeback. Visa chargeback reason code 85 is applied when issuing bank gets a notice from the cardholder that merchandise was returned, but merchant hasn’t refunded, or credit hasn’t appeared on the bank…Added the following fields - Store ID, Credit Card Chargeback Reason Code. 5 Good Faith Investigation AA Does Not Recognize AP Recurring Payments AW Altered Amount CD Credit/Debit Posted Incorrectly DP Duplicate Processing IC Illegible Sales. For each reason code, a definition is given, along with the merchant actions—or failure to act—that may have caused the chargeback,• Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable. Download this sample Chargeback Rebuttal Letter. You open it and realize that it is a chargeback letter for a transaction that took place a few months ago, and upon examining the letter you notice the chargeback reason code is: 85. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. 1: goods not received. See Reason Codes for more. RN2 Credit Not Processed. These may impact the dispute time limits. Cardholder-Activated Terminal (CAT) 3 Device. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. 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. Chargeback fees can start at US$25 and go up from there. Each of these causes has a designated “reason code,” and banks assign the. pdf), Text File (. This can be transaction receipts, proof of. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. France saw a drop of roughly 50% during the same period. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. Remember!message. 1 Luckily, Midigator can help. For this reason code to be valid, the cardholder must have made an attempt to return the product or cancel the services. It’s designed to help reduce. In fact, 91. “Visa has 28 different reason codes. 11, 16 November 2015, Elimination. Also, just like American Express, Discover functions as both a card network and an. By entering your email, you agree to receive marketing emails from Shopify. It was originally one of several possible scenarios covered by legacy Visa reason code 83. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. 4 Funding Process. 7% decrease: Puerto Rico: 4. 85 HKD: Japan: 1,300 JPY: New Zealand: 20 NZD: Singapore: 15 SGD: Sweden: 15 EUR or 150 SEK (based on payment currency) United Kingdom: 10 GBP:. . 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. Please note that the most common Chargeback reason code for Allocation disputes is 10. 3: Goods or services were not received: C08: RG: 4855: 13. ) A no-nonsense summary of evidence that proves transaction is legit. The most common Visa ® and Mastercard ® chargeback reason codes for digital goods are:. The main chargeback reasons look like this: Malicious fraud. For example, Mastercard has a code which indicates a ‘consumer dispute. The Solution. 0 represents the first rules change of its kind that specifically provides merchants with the opportunity to reverse the fraud status applied to a transaction associated by reason code 10. For each reason code, a definition isDo you want to know how to handle chargebacks in India? Download the Chargeback Guide from Mastercard and learn about the rules, procedures, and best practices for resolving disputes. In the event of alleged criminal fraud or merchant error, the code returned. “ Chargeback Fraud Threat Growing as 65% of Chargebacks911’s Respondents Reported an Increase in 2022 “. Updated August 23, 2023. The following chargeback reason codes are related to EMV: Visa: 10. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. Provide exemplary customer service. For each reason code, a definition is given, along with the merchant actions—or failure to act—that may have caused the chargeback, 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. 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. Section 7: Chargeback Reason Codes—Detailed information on the reason codes for the most common types of chargebacks that merchants receive . If using any other currency than this, it should be equivalent to the specified amount. 13. 4 spec (Section 8. When one cardholder initiates a dispute with their issuing. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. 85: Credit Not Processed: 86: Paid by Other Means: 93: Risk Identification Service: 96: Transaction Exceeds Card Limit Amount: DISCOVER. Multiple Authorization Requests. Others require banks to wait for a certain period before they can issue a chargeback. 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. . This provided a number of insights into the typical. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. 85 Credit not processed; 86 Paid by other means; 90 Services not rendered (ATM or Visa travel/money)• Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. UA06 Fraud – Chip and PIN Transaction. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. The shorthand description is “Goods/Services Not as Described. Mastercard uses a four-digit numbering scheme for its chargeback reason codes. Today I will review the causes for each of these. 4 Section . 1. Visa organizes their chargeback codes by categories. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks;. 76 - Incorrect Currency or Transaction Code or * Domestic Processing Violation. 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. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. These are: Reason Code 41: Cancelled Recurring Transaction. Required Authorization Not Obtained. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. A chargeback happens when a customer requests for a transaction to be. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. In fact, clients who use Midigator spend 85% less time managing chargebacks and reduce costs by 45%. Chargebacks—Maestro POS Transactions—added information to the section, Proper Use of Intra-European Message Reason Code 4808, about the duration of message reason code 4808 chargeback protection period. The most common causes for chargeback Reason Code 85 are that the merchant: • Did not issue a credit. Chargeback reason codes vary by the credit card company. com 10/22/12. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. 196The 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. A recurring transaction is a payment card charge that automatically reoccurs on a. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. It covers topics such as chargeback rights, time frames, reason codes, arbitration and compliance. ”. All ACH return reason codes consist of the letter “R” followed by two. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the cardholder's account. According to Nilson, 56% of global card transactions were done on Visa in 2015. Visa Chargeback reason code 13. Clients who use Midigator spend 85% less time. Issuer Review;All the major card networks use chargeback reason codes to convey the reason for a chargeback. Unauthorized returns (R05, R07, R10, R29, R51): 0. 6 Credit Not Processed 72 (2) 12. Chargeback. They are as follows: 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 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. Similarly, if a no reason to decline (code 85) response is received, proceed with the refund process and credit the cardholder’s account. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingA transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Visa groups its chargeback codes into four. This list was generated 5/4/2022. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. Visa chargeback reason codes. Chargeback reason codes have changed. 11, 16. In. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. May 2011: 5. This code is now obsolete, and issuers have been instructed to use code 4834 instead. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,The Chargeback Reason Codes that fall into this Chargeback Category. 1 EMV Liability Shift 10. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. This area shows the reference number of the dispute (chargeback reference number in this case), the disputed date, currency, reason code, amount and status. 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. Specify the default reason code to. It indicated that the transaction amount wasn't what the cardholder agreed to. It indicated that the transaction amount wasn't what the cardholder agreed to. For example, 'R04' indicates that an invalid account number was provided. Use order validation and prevention alerts. To simplify this process, the situations that may qualify for a chargeback are broken down into designated “reason codes. They inform the business about recent activities so that we can solve problems before they get bigger. Survey data from the 2019 Chargeback Field Report found that 82% of merchants surveyed believed that the Visa Claims Resolution process had “little to no impact on chargeback management. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Chargebacks. This code applies when customers claim to have a receipt from either a voided transaction or a credit, but the transaction hasn’t been processed. . Acquirer Use of Message Reason Code 7623. Visa Chargeback Reason Code 85: Credit Not Processed Description Visa chargeback reason code 85 is applied when issuing bank gets a notice from the cardholder that merchandise was returned, but merchant. ”. Write customer-friendly policies. If your issuing bank agrees with your claim, they will contact the merchant’s bank to notify them of the disputed charge. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. Issuer ACS unavailable - Visa generated CAVV. Chargeback reason code 11. Reason . 3. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Fewer chargeback reason codes. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Last updated: October 15, 2019 . 11, 16. . 1To do that, take a look at the most common Visa ® and Mastercard ® chargeback reason codes for services: According to data obtained in the annual Year in Chargebacks report, the biggest threat for services is fraud. 11, 16. The third digit indicates the specific reason within that category. 7: Defective goods and services: C32: RM: 13. Everyone from processors and card brands to local and federal governments has rules about how payments should be handled. A “No Authorization” code chargeback can also be the. 8 is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. However, Visa is the largest card brand in both the United States and the world. A chargeback happens when a customer requests for a transaction to be reversed. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. Codes submitted via API are reflected in the AWC and Datamart. 11, 16. Step 2: Customer initiates the chargeback. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvinginstead 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. . Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvinginstead 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. We would like to submit compelling evidence that the purchase was legitimate. Check the chargeback reason code. Check with the issuing banks to determine what time limits may apply to you. Eligible Chargeback Reason Codes . The reason codes are grouped into several broad. MasterCard and Visa each have their own chargeback codes. The tickets were held at the box office, and no signature, swipe or imprint. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Reason Code 73: Expired Card. This list was generated 5/4/2022. FR4 Immediate Chargeback Program. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). Chargeback amount is equal to or less than the exceeded limited /authorised amount. The reason_description field lists the chargeback reason. That suggests that in the times when merchants are compelled to file a dispute, most of the time they will prevail. 0 is to make the chargeback process more efficient, transparent, and fair. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. The transaction amount and authorization number (ARN. Took a deposit via credit card. And, Reason Code 85: Credit Not Processed. Although the stipulations on those set of reason codes are similar, sometimes, the information an issuer received from a consumer gets altered as it travels. This document reflects changes made since the 28 April 2016 publication. This guide covers the chargeback cycle, the roles and responsibilities of the parties involved, and the specific chargeback codes and time frames for each card. Here the cardholder is claiming that you were supposed to provide them with a refund, but no credit has been applied to their account. See full list on chargebackgurus. 7 Cancelled. 0. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. 4: Other Fraud–Card-Absent Environment. Once you know why a chargeback happened, you can start building a case to address the claims that were made. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. There are several reasons why a purchase authorization might be declined. If the customer’s story matches. . It can range from 60 to 120 days from the billing date. Follow the Rules. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Before exercising a Chargeback right, the Issuer must attempt to honor the Transaction. 4 applies to eCommerce, whereas code 10. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. 543 Proper Use for Acquirer’s Second Presentment. Reason Codes Category 4: Processing Errors. Summary of Changes, 20 November 2017 This document reflects changes made since the last publication. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. There are over 80 unique return codes, and each one represents a different type of return. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. Reason Code 12. 65 - Withdrawal limit exceeded: The transaction would exceed the maximum. 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. These are: Reason Code 41: Cancelled Recurring Transaction. Card networks like Mastercard allow cardholders to dispute a credit card transaction by filing a chargeback under certain circumstances. So don’t spend another second worrying about chargebacks. 1? Visa chargeback reason code 12. For example, some reason codes offer cardholders over a year to file. If merchants use the API, they can submit the new reason codes and their descriptions. To help you identify what happened, look up the code you received for the dispute below. This is a fairly common chargeback reason that can. But there are conditions under reason code 85 (Travel and entertainment transactions), where the. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. The cardholder’s bank assigns a reason code to each chargeback before sending it to the merchant. On that note, below are some vendor missteps that could result in Visa reason code 13. Chargeback reason code 13. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. You can learn more about each one by visiting the Mastercard Chargeback Guide. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. Either the acquiring or issuing bank could initiate the chargeback. What is Visa chargeback reason code 13. Reason Codes Category 4: Processing Errors. Each code begins with 'R' followed by a two digit number. 11, 16. compliance process depending on whether a chargeback right exists. 46 Reason Code 74: Late Presentment. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. If the order was genuinely not as described, then the cardholder has a case. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. Multiple Authorization Requests. If the order was genuinely not as described, then the cardholder has a case. You need a merchant account to succeed if you are a small business. After looking up what this chargeback reason code means , you realize that it is because you forgot to issue the refund that you had promised the customer. Chargeback Representment. Reason Codes A chargeback reason code is a distinctive two-to-four-character combination of letters and numbers issued by the involved bank to identify why a dispute was initiated. 4: . 85: Credit Not Processed:. 2. Chargeback amount is equal to. 85 - Credit Not Processed. Reason Code: 10. In the case of friendly fraud, that reason could be completely invalid and.