Chargeback Reason Codes

Visa

Code	Category	Description
10.1	Fraud	EMV Liability Shift Counterfeit Fraud
10.2	Fraud	EMV Liability Shift Non-Counterfeit Fraud
10.3	Fraud	Other Fraud - Card-Present Environment
10.4	Fraud	Other Fraud - Card-Absent Environment
10.5	Fraud	Visa Fraud Monitoring Program
11.1	Authorization	Card Recovery Bulletin
11.2	Authorization	Declined Authorization
11.3	Authorization	No Authorization/Late Presentment (on or after 13 April 2024)
12.1	Processing Error	Late Presentment
12.2	Processing Error	Incorrect Transaction Code
12.3	Processing Error	Incorrect Currency
12.4	Processing Error	Incorrect Account Number
12.5	Processing Error	Incorrect Amount
12.6	Processing Error	Duplicate Processing
12.6	Processing Error	Paid by Other Means
12.7	Processing Error	Invalid Data
13.1	Consumer/service disputes	Merchandise/Services Not Received
13.2	Consumer/service disputes	Cancelled Recurring Transaction
13.3	Consumer/service disputes	Not as Described or Defective Merchandise/Services
13.4	Consumer/service disputes	Counterfeit Merchandise
13.5	Consumer/service disputes	Misrepresentation
13.6	Consumer/service disputes	Credit Not Processed
13.7	Consumer/service disputes	Cancelled Merchandise/Services
13.8	Consumer/service disputes	Original Credit Transaction Not Accepted
13.9	Consumer/service disputes	Non-Receipt of Cash at an ATM

Code	Category	Description
4515	Consumer/service disputes	Cardholder Denies Transaction
4807	Processing Error	Warning Bulletin File
4808	Authorization	Authorization-Related Chargeback
4812	Processing Error	Account Number Not On File
4831	Processing Error	Transaction Amount Differs
4834	Processing Error	Point-Of Interaction Error
4837	Fraud	No Cardholder Authorization
4840	Fraud	Fraudulent Processing of Transactions
4841	Consumer/service disputes	Canceled Recurring Transaction
4842	Processing Error	Late Presentment
4846	Processing Error	Correct Transaction Currency Code Not Provided
4849	Consumer/service disputes	Questionable Merchant Activity
4850	Consumer/service disputes	Installment Billing Dispute
4853	Consumer/service disputes	Cardholder Dispute
4854	Consumer/service disputes	Cardholder Dispute - Not Elsewhere Classified (US region only)
4855	Consumer/service disputes	Goods or Services Not Provided
4859	Processing Error	Addendum, No-show, or ATM Dispute
4860	Processing Error	Credit Not Processed
4863	Fraud	Cardholder Does Not Recognize - Potential Fraud
4870	Processing Error	Counterfeit transaction, chip liability shift, chip/PIN liability shift
4871	Processing Error	Counterfeit transaction, chip liability shift, chip/PIN liability shift
4880	Processing Error	Late Presentment
4890	Processing Error	Syntax Error
4999	Processing Error	Domestic chargeback dispute (Europe region only)

Code	Category	Description
4507	Processing Error	Incorrect Transaction Amount Or Primary Account Number (PAN) Presented
4512	Processing Error	Multiple Processing
4513	Processing Error	Credit Not Presented
4515	Processing Error	Paid Through Other Means
4516	Processing Error	Request For Support Not Fulfilled
4517	Processing Error	Request For Support Illegible / Incomplete
4521	Authorization	Invalid Authorization
4523	Processing Error	Unassigned Card Member Account Number
4527	Processing Error	Missing Imprint
4530	Processing Error	Currency Discrepancy
4534	Processing Error	Multiple ROCs
4536	Processing Error	Late Presentment
4540	Authorization	Card Not Present
4544	Consumer/service disputes	Cancellation Of Recurring Goods / Services
4553	Consumer/service disputes	Not As Described Or Defective Merchandise
4554	Consumer/service disputes	Goods And Services Not Received
4750	Consumer/service disputes	Car Rental Charge Non Qualified or Unsubstantiated
4752	Consumer/service disputes	Credit / Debit Presentment Error
4754	Consumer/service disputes	Local Regulatory / Legal Dispute
4755	Authorization	No Valid Authorization
4763	Fraud	Fraud Full Recourse
4798	Fraud	Fraud Liability Shift - Counterfeit
4799	Fraud	Fraud Liability Shift - Lost/Stolen

Code	Category	Description
4502	Processing Error	Illegible Sales Data
4534	Processing Error	Duplicate Processing
4541	Processing Error	Recurring Payments
4542	Processing Error	Late Presentation
4550	Processing Error	Credit/Debit Posted Incorrectly
4553	Consumer/service disputes	Cardholder Disputes Quality of Goods or Services
4554	Processing Error	Not Classified
4586	Processing Error	Altered Amount
4753	Processing Error	Invalid Cardholder Number
4755	Consumer/service disputes	Non-Receipt of Goods or Services
4757	Consumer/service disputes	Violation of Operating Regulations
4863	Authorization	Authorization Noncompliance
7001	Fraud	Fraud - Card Present Transaction
7030	Fraud	Fraud - Card Not Present Transaction
8002	Processing Error	Credit Not Processed

Code	Category	Description
MERCHANDISE_OR_SERVICE_NOT_RECEIVED	Consumer/service disputes	The customer did not receive the merchandise or service.
MERCHANDISE_OR_SERVICE_NOT_AS_DESCRIBED	Consumer/service disputes	The customer reports that the merchandise or service was not as described.
UNAUTHORISED	Fraud	The customer did not authorize purchase of the merchandise or service.
CREDIT_NOT_PROCESSED	Processing Error	The credit transaction was not processed for the customer.
DUPLICATE_TRANSACTION	Processing Error	The transaction was a duplicate.
INCORRECT_AMOUNT	Processing Error	The customer was charged an incorrect amount.
PAYMENT_BY_OTHER_MEANS	Processing Error	The customer paid for the transaction through other means.
CANCELED_RECURRING_BILLING	Processing Error	The customer was incorrectly charged because he or she canceled recurring billing.

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