R13 Select a code to see the details QUICK REFERENCE Time to respond: 20 days from date of chargeback. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Step 1: Identify the Source. This reason code indicates that the merchant processed a transaction without first obtaining a correct and valid authorization approval. Submitted: The response has been sent and the issuer is. 3 is an updated version of legacy reason code 53, which was phased out under the Visa Claims Resolution initiative. Dispute. 901. CHARGEBACK: Customer has disputed part or all of the transaction. At Visa they used to receive reason code 98. 26% - the number of chargebacks that result from undelivered orders. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Once you hear from. If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the cardholder’s account. 2. The reason code may not necessarily reflect the actual reason for the chargeback, but you ought to respond to it based on the provided chargeback code. This does not include an AuthorizationHere’s a look at the reason codes for the same scenario from the major credit card companies: Visa: Reason Code 30 Services not provided or merchandise not received. A02: No Valid Authorization. This field allows for query by reason code ID which is a unique identifier of the reason. 11/03/15 Updated these MasterCard Chargeback Codes: 08, 12, 31, 34, 42, 53, 55, 59, 60, 70, 71. The merchant failed to ship the merchandise by the promised delivery date/time. P01 – Unassigned Card Number. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. All chargebacks start with a customer making a purchase in person, in an app, or online. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. The merchant failed to ship the merchandise by the promised delivery date/time. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. This Visa chargeback condition is very common. Credit memo approval ranges cannot overlap for approval limits with the same reason code and currency. Mastercard also considers some chargeback reason codes to be indisputable. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. 0: Updated report version from 1. R13: Retrieval Response Not Received- for chargeback reason code 4863 (Cardholder Does Not Recognize). Each card network maintains reason codes to cover all the disputes that qualify for. D. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. 4. Encrypt transmission of cardholder data. American Express chargeback reason code R03 falls under the “Inquiry/Miscellaneous” category. Chargeback Reason Codes Page 3 of 5. May 2011: 5. F14* Missing Signature. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. ACH return codes and explanations for R01 – R33 returns. 196Click “filter orders”. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. American Express Chargeback Reason Codes Fraud F10 Missing Imprint F14 Missing Signature F24 No Card Member Authorization F29 Card Not Present F30 EMV CounterfeitYour comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. Below is a list of Mastercard chargeback codes used in eCommerce. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Author: Isaac Lambert. ACH Return Code R52 – Stop Payment on Item Related to RCK Entry. In order to optimize the revenue streams from ACH payments, businesses need to check return reason codes regularly. R13: Second Inquiry to Request Information Regarding Charge: R14: Response to Inquiry Not Received within time frame: R15: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. Chargeback Request for Information Notification of Fraud ACH Direct Debit American Express Based on the region in which you have set up American Express, you will receive reason codes from one of these columns: Reason Code North-America: Canada and United States of America Reason Code: All other countries Fraud Authorization Processing Errors See full list on paymentdepot. Non-Consumer *2 Banking Days R22 Invalid Individual ID Number which the Originator was identified is not correct. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. screen . Each card network maintains reason codes to cover all the disputes that qualify for. R04 – Invalid account number. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. The Visa Digital Goods Merchant Fraud Monitoring Program is effective as of April 1, 2023. C. About American Express chargeback reason codes. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing date of. Tips And. QR Codes: One common way to accept Alipay is via QR code payments. 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. 5? Visa chargeback reason code 13. American Express Chargebacks / Disputes. The rules which will take effect in April 2023 are meant to reduce the volume of friendly fraud occurring over the card network. A retrieval request—sometimes called a “soft chargeback”—is a method of obtaining a copy of the paperwork to validate a transaction. Below are some examples of more common reason codes. In most cases, the bank chooses a course of action based on information the cardholder provides. What is Visa Reason Code 13. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. It was originally just one facet of legacy reason code 81. It is important for the merchant to know about the American Express Chargeback Reason Codes when dealing with a chargeback. All ACH return reason codes consist of the letter “R” followed by two. UA06 Fraud – Chip and PIN Transaction. Erläuterung. These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Card Not Present. Expedited Dispute Resolution forms will not be allowed. 1. 103. Category. AC01. Typical chargeback reason codes are: DA: Disputed amounts. (See ACH Chargeback Return Codes for more information. A well-structured rebuttal letter should address the chargeback reason code, clearly explaining why the cardholder's dispute is not legitimate and why the funds should be returned to you. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. Reason Code. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. The cardholder alleges they never received the products or services. For perspective, the next highest. Payment stopped. R09. Merchants. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. The chargeback notification send by the issuing bank will include the reason code for the chargeback. A previously open account is. Your firm needs to embrace a customer-centric approach focused on transparency and. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. Check with the issuing banks to determine what time limits may apply to you. Account number is invalid or missing. Upfront Chargeback If we determine we have sufficient information to pursue a Chargeback, we may debit your account up front. 1? Visa chargeback reason code 12. Visa chargeback reason code 75 is filed as an honest mistake. Goods and services not as described or cardholder received defective goods or services 3. These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute. A new 4 byte reason code will be used moving forward. 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. The transaction stands incomplete and funds are not secured. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback. If the funds are now available, or you want to pay your outstanding balance by credit card, call us at 888-692-9559. The good news is that most of these invalid claims are disputable by the merchant. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Timeframe to Initiate Chargeback 120 calendar days from the date of the transaction Representment Rights/ Merchant Action Proof that a Credit which directly offsets the Disputed Charge has already been processed Issuer Required Documentation None Special Notes Inquiry required prior to Chargeback. Receiving a damaged product. 7: Defective goods and services: C32: RM: 13. Chargeback Reason Codes; A01: Amount Differs from Authorization to Settlement: A02: Did Not Receive Valid Authorization Approval: A03: Valid 6 digit Authorization code Not Provided: A04:. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. If the order was genuinely not as described, then the cardholder has a case. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. 4: Fraud—Card-Absent Environment. They only bill customers during a dispute if there is compelling evidence to show the cardholder’s account is in the wrong. View the entire list or search for any chargeback reason code. This indicates that the merchant didn't respond to an inquiry properly. For example, 10. How long can the issuer wait to file a dispute? The dispute timeline can be based on one of two start dates. ) A no-nonsense summary of evidence that proves transaction is legit. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. The Sift Digital Trust & Safety Platform does what other fraud tools can’t, patented technology delivers. These codes are broken down into five different category. The transaction amount and authorization number (ARN. Customer Dispute. Reason Codes Category 4: Processing Errors. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. Configure Claim Reasons to map to a Chargeback Reason in AR. It's essential to respond within the. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. The actual underlying cause of this chargeback is. That’s 50% more time than what the major card networks allow. The system does not accept Blank as a value, even if it is defined in the UDC table. In most cases, you will have 20-45 days in which to respond to a chargeback. 3. 16, 2021. The cost of payment card fraud has increased by 60% over the last decade, and is expected to increase significantly post Covid-19. Use this resource to prevent and fight chargebacks with greater accuracy. Each chargeback reason has its own, individual prevention techniques. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. 101. 105. R13: RDFI not qualified to participate. For a brief overview of chargeback reason codes, refer to the table below. Card Member cancelled, refused or returned goods and/or services A dispute often has a reason code associated with it. ” This indicates that the merchant has failed to respond to a transaction inquiry before the deadline elapsed. 105. Note: If there are no Motives applicable to the Reason Code, this field contains “0. The merchant authorizes Amex to process a chargeback for the transaction in question. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. Fight; Prevent; Recover; Predict; Success Story; Resources. Added the following fields - Store ID, Credit Card Chargeback Reason Code. MasterCard - 4855 Goods or Services Not Provided. As a result, the bank’s routing numbers. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. 4853 – Cardholder Dispute – Credit Posted as a Purchase. EMV Liability Shift Counterfeit Fraud. The customer regrets their purchase. 4. Specify the invoice date and net due date that you want the system to assign to chargebacks. ” 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. 3: Goods or services were not as described: C31: RM: 13. R01. UA06 Fraud – Chip and PIN Transaction. You can learn more about each one by visiting the Mastercard Chargeback Guide. This may be done by either the merchant or the issuing bank. Your account is debited for the ACH return. 103. ; Resources. 2. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. 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. 4 Funding Process. R13 No Reply (Chargeback) WHAT IT. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. Chargeback Base Codes by Network - 2023 Guide. Uncollected funds. EMV Liability Shift Non-Counterfeit Fraud. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. 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. The terminal action codes are in Table 122 of the 4. 3. Across open networks and include account numbers sent over email, instant messaging, text, or chat. Chargeback Reason Codes by Industry. Protect cardholder data. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Visa chargeback reason code 11. But why do they happen? 4 common types of hotel chargebacks. 104. 2=1020 etc. D. And according. Date Option. However, Visa is the largest card brand in both the United States and the world. Chargeback reason codes. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. 7. Click “add filter”. The Sift Digital Trust & Safety Platform does what other fraud tools can’t, patented technology delivers. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. Discover: Reason Code 4755 Non-receipt of goods or services. Dispute Category. An approver can only approve credit memo requests with the same reason code. many chargeback reason codes that exist today. Verwendung. 1About American Express chargeback reason codes. For example, Mastercard has a code which indicates a ‘consumer dispute. Reason code 83 represents a chargeback categorized as. Mastercard Chargeback Reason Code 70: Chip Liability Shift. 2: No Authorization. If your chargeback ratio is high [i. 102. Reason codes vary by card brand. For example, 'R04' indicates that an invalid account number was. 1=1010,. The merchandise was as described or was not defective. A reason code is how banks categorize the reason for a chargeback. R01. Chargeback. Detail. Chargeback Code: Type: Inquiry Related Chargeback: R03* Insufficient Reply: R13* No Reply: M01* Chargeback Authorization: Code: Type: Chargeback Programs: FR2: Fraud Full Recourse Program: FR4: Immediate Chargeback Program: FR6: Partial Immediate Chargeback ProgramMidigator has created a database of reason codes. 6. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. ACH Return Code R50 – State Law Affecting RCK Acceptance. 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. ISO Code. RuPay has categorized all the chargeback reason codes into 5 different groups as stated below. Issuer Review; Allocation. AMEX R13 Requested Transaction Information Not Received Request for Information YES NO AMEX M01 Merchant Accepted ChargebackAn ACH dispute results in a chargeback for the business that processed the payment. 0 to 5. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Some credit card companies also include a short phrase describing the code and chargeback. Insufficient funds. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. The code replaces Visa’s legacy reason code 41. The assigned chargeback reason code outlines why a customer submitted the dispute. Enable the Chargeback settlement method in the Invoice Deduction claim source setup. Spot these types of chargebacks using the below reason codes. UA05 Fraud – Chip Counterfeit Transaction. This Return Reason Code may only be used to return ENR Entries and is at the Federal Government Agency’s sole discretion. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. R03 – Unable to locate account or no account. There are four primary phases to a Visa dispute: After Visa adopted VCR processes, most card networks altered their dispute cycles to be more in line with that used by Visa. Write Off. 2 falls under the “Consumer Disputes” category. UA01 Fraud – Card Present Transaction. For more information on these and other updates, check out our complete chargeback reason. “Visa has 28 different reason codes. 15, 2021. 4 falls under the “Consumer Disputes” category. A smarter, simpler way to stop fraud. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. Recurring billing transactions are a frequent source of conflict, disputes, and. Amex Dispute Codes List of NACHA ACH Return Codes. Merchants who believe they have received an invalid chargeback under reason code 13. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. chargeback: The buyer filed a chargeback with the credit card issuer. 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. 2 Compliance CasesIn 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. 4 spec (Section 8. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. For example, 10. Additionally, Amex uses a fifth "Miscellaneous" category. There are also specific return time frames, which can differ. Chargebacks. MasterCard chargeback reason code 4540. MT9xx. 0. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. Solution. In the distribution industry,. Share your cancellation policy, note that it was displayed prominently, and show that the cardholder agreed to the terms at the time of the purchase. REQUEST A DEMO. While the format of chargeback reason codes. Chargeback. Not recognizing your billing descriptor on a statement. Retry the transaction. R03 – Unable to locate account or no account. Card Brand Code Description Days to Dispute Dispute Category;. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. 00 EUR as a Withdrawal fee. the Chargeback. 1 chargeback: The merchant failed to ship the merchandise or provide the service as agreed. ACH return codes identify the reason an ACH payment was returned by the recipient's bank. Visa groups its various reason codes into several broad dispute categories. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. Description. Try Shopify free for 3 days, no credit card required. 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 Reason Codes by Industry. Please note that the most common Chargeback reason code for Allocation disputes is 10. This is an “unauthorized” return code, and will result in your account being assessed the ACH Chargeback Fee. This Return Reason Code will normally be used on CIE. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. It also regulates the way banks must respond to consumer complaints and sets limits on liability for lost or stolen debit cards. “American Express Chargeback Reason Codes | Sift”. PCI DSS v3. the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date) However, if the customer returned merchandise or. R02 – Account closed. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. 6. Chargeback. A reason code or a chargeback reason code is a string of symbols (numbers and letters). This chargeback occurs when merchants do not adequately provide currency information. 7 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. Chargeback Reason Codes for AMEX. Please see the below “cheat sheet” for the new 4 byte reason codes. Available balance is not sufficient to cover the dollar amount of the debit entry. Most reason codes apply to any merchant, regardless of what’s being sold. The request comes from the credit card issuer or cardholder and goes to the acquirer or merchant. 1: Use the corresponding dates from the invoice. The chargeback process starts when a customer (or, less frequently, their issuing bank) challenges a transaction as invalid. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. To determine the problem, you need to examine customer interactions, transaction details, and business practices. Chargeback Reason Codes Visa. R04 – Invalid account number. A cardholder claims that they did not receive the service or merchandise they ordered. Below is a list of Mastercard chargeback codes used in eCommerce. Try Shopify free for 3 days, no credit card required. R07 – Authorization revoked by customer. Other Fraud—Card Present Environment. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. 4 applies to eCommerce, whereas code 10. They can also be caused by a merchant failing to process a cancellation promptly. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. Insufficient Funds. Upfront Chargeback If we determine we have sufficient information to pursue a Chargeback, we may debit your account up front. R41: Invalid Transaction Code:Credit 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. F22. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature) American Express chargeback reason code R13 falls under the “Inquiry/Miscellaneous” category. 4. 2. Ethoca alerts can prevent chargebacks before they hit your bank account. Chargeback reason code 10. Chapter 2 1. Reason codes are important to help merchants address recurring. ©Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Merchants who believe they have received an invalid chargeback under reason code 13. 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. ”. Summary of Changes, 13 December 2018Free Download. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. Typically you will see this return code when a customer revokes authorization for a recurring payment schedule, and you continue to process payments as part of that schedule. Reason Code 11. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. 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. This reason code is assigned to consumers wishing to file a chargeback for defective product. Eligible Chargeback Reason Codes . 1. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing 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. 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. Timeframe: Under card network rules, a cardholder has up to 120 calendar days from the settlement date to initiate a chargeback (depending on the chargeback reason code). The reason code identifies the kind of credit memo that is being requested. 10. . The problem continues to grow out of control with each year. 3. R13 - No Reply. Moreover, there are other two categories to handle the Amex chargeback: inquiry and chargeback programs. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. Accessed October 31, 2022. 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. P03 – Credit Processed as Charge. This code applies when valid authorization for a transaction was. R13: Invalid ACH Routing Number:. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. Also, just like American Express, Discover functions as both a card network and an. These codes are established by the payment brands to categorize the incoming dispute requests by reason. 4 (Other Fraud - Card Absent Environment), which is under the fraud category. Visa Chargeback Reason Code 13. This reason code is used when the cardholder claims that their card was used fraudulently without their permission. Fraudulent Activity. The shorthand description is “No Reply. This definitive guide comes that chargeback reason codes from jeder of of four majority card networks. This category of fraudulent chargeback is represented with the following reason codes: AMEX - C08 Goods/Services Not Received or Only Partially Received. ACH Return Code R51 – Item Related to RCK Entry is Ineligible or RCK Entry is Improper. Card Type Reason Code. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. Mastercard: Reason Code 4859 Service not rendered.