Each card. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. mastercard-reason-code-4841. 1. This chargeback occurs when merchants do not adequately provide currency information. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. When that happens, the issuing bank will gather evidence from the customer and assign a reason code to the chargeback based on the card issuer. Chargeback reason codes. A chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. Typical chargeback reason codes are: DA: Disputed amounts. Reason code 4841 - Canceled Recurring Transaction Merchant Should Demonstrate: That cardholder did not cancel, or canceled after the transaction date. 7 downloads 2 Views 352KB Size. MASTERCARD 4841 Canceled Recurring Transaction Cancelled/Returned by Cardholder NO YES. Chargeback reason codes; Chargeback Reason Codes. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. 4853 – Cardholder Dispute. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. Each chargeback comes with a code that designates the reason it was filed. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. 4807 – Warning Bulletin File. 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. 4 applies to eCommerce, whereas code 10. 16, 2021. Time Limit. These codes are notoriously inaccurate; in fact, first-party fraud is predicated on reason codes being inaccurate. 1: EMV Liability Shift: 10. Cardholder Dispute — Defective Merchandise / Not as Described. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. Unauthorized returns (R05, R07, R10, R29, R51): 0. 7: Defective goods and services: C32: RM: 13. chargeback message reason code 4841 in 6. But friendly fraud is much more ambiguous. 26% - the number of chargebacks that result from undelivered orders. Date Option. 496 Invalid Chargeback. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. 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. Recent Posts. New Visa CE 3. DD: Unearned. Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. Updated: Valid values updated. Total views 100+ Dr. Please note that the most common Chargeback reason code for Allocation disputes is 10. Region. Reason code 4841 - Canceled Recurring Transaction. You can learn more about each one by visiting the Mastercard Chargeback Guide. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. . That said, looking up purchases using this number can make it easier to provide info following an. 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. 4853. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. ” This reason code is now obsolete, but was used to cover disputes related to recurring billings or digital goods. Your actions in response to such a chargeback will be determined by the particular circumstances, the most typical of which are described in the table below: If: Then: The transaction was cancelled and credit issued. These codes fit into four categories:. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. 1. With that said, you still need to understand the reason codes with any chargebacks from Amex. Chargeback Reason Codes Page 2 of 5. region only) 4855. ”. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. . Include any terms relevant to the transaction, including return, cancellation and. 4812 – Account Number Not On File Cardholder Dispute. There are also specific return time frames, which can differ. When you do the math, you are looking at a $5,000 penalty per month, along with a chargeback fee of $15-$30 per chargeback, and all the other associated costs. 4808. 2. RECOVER YOUR LOST REVENUE RECOVER YOUR LOST REVENUE PAGE 4 REASON CODES THE IMMEDIATE COST OF THE CHARGEBACK In addition to losing the revenue from the sale and the cost of the product, fees charged by the issuing bank can be as high as $125 per chargeback. Discover uses unique codes to explain those reasons to merchants. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. 3: Goods or services were not received: C08: RG: 4855: 13. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. Every chargeback is filed with a reason code that identifies the given reason for the dispute. 1. 0 is to make the chargeback process more efficient, transparent, and fair. Receive the Chargeback. 3: Goods or services were not as described: C31: RM: 13. 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. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. For more information on these and other updates, check out our complete chargeback reason. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. Encrypt transmission of cardholder data. Collect Compelling Evidence. 10. _____ Below is a list of Mastercard chargeback codes used in eCommerce. [MasterCard Reason Codes 4853, 4855, 4859; Visa. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. 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. Download Free PDF View PDF. Though the credit card networks have a vast choice of codes, loopholes still happen. The following are reason codes for what is referred to as retrieval request:. Mastercard. The cardholder initiates contact with their bank or credit union to file a dispute. 4841: Cancelled Recurring Transaction: 4842: Late Presentment: 4846: Correct Transaction Currency Code Not Provided:Transaction Authorized. A dispute often has a reason code associated with it. 4841: Canceled Recurring Transaction 4842: Late Presentment 4846: Correct Transaction Currency Code Not Provided 4849: Questionable Merchant ActivitySubsequent message reason code 4841 chargeback time. Mastercard Chargeback Reason Code 70: Chip Liability Shift. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. Cost. These codes are : 4855, 4841, 4850, 4863, 4837, etc. Time Limit. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. If the customer’s story matches. The Merchant Reviews the Partial Chargeback Claim. The most popular type of disputes of the chargeback category. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. 4841: Cancelled Recurring Transaction: 4834: Loss, Theft, or Damages: 4854: Cardholder Dispute – Not Elsewhere Classified (U. This code is now obsolete, and issuers have been instructed to use code 4834 instead. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. The following chargeback reason codes are related to EMV: Visa: 10. F01. But in reality, chargeback reason codes. 3: Goods or services were not as described: C31: RM: 13. A reason code is an alphanumeric code that explains the reason behind the dispute. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. Acquirer after the 3-month Workout Period, as described in “Excessive Fraud Activity Notification - U. UA05 Fraud – Chip Counterfeit Transaction. As part of its move to support card-not-present merchants and airlines, Visa made changes to the compelling evidence requirements for four key reason codes: Reason Code 30: Services Not Provided or Merchandise Not Received. Older time limits for disputes vary based on reason code; in many cases buyers have 120 days after a purchase to file a chargeback. 2:. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. S. Visa, MasterCard, and American Express all list compelling evidence by reason code. 2 Cancelled Recurring: C05 Goods. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Mastercard Chargeback Reason Code 70: Chip Liability Shift. The Late Presentment chargeback rights and language were moved from chargeback reason code 4834 (Point of Interaction Errors) to reason code 4808 (Authorization-Related Chargebacks). American Express is incentivized to keep their customers happy. Case Studies. 1 Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. About American Express chargeback reason codes. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. 4 Fraud – Card-Absent Environment. . VCR Dispute Reason Code 10. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. 4854 – Cardholder Dispute – Not Elsewhere Classified. 00 EUR as a Withdrawal fee. Discover chargeback reason code 7030. Canceled Recurring or Digital Goods Transactions. Auto Write Off. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. Documentation must be a direct result of cardholder communication. Also, remember that the time frame for your response includes any processing required by the acquirer. Pursuant to the Fair Credit Billing Act. These are only a handful of common Visa chargeback reason codes. Correct Transaction Currency Code Not Provided: Point-of-Interaction Error: 4850: Installment Billing Dispute: Point-of-Interaction Error: 4999: Domestic Chargeback Dispute (Europe Region Only) Point-of-Interaction Error: 4853: Cardholder Dispute: Cardholder Disputes: 4841: Canceled Recurring or Digital Goods Transactions: Cardholder Disputes: 4854 Visa assesses the following fines, as specified in the table below, to a U. To avoid this, issuers can identify their chip cards using the Service Code field with a first byte value of 2 or 6. 4841. Card networks send these codes to merchants to indicate why a chargeback has been filed. Which fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. How you respond is determined by the chargeback reason code: Embed This Graphic. Cardholder Dispute Chargeback - 4853 Sub-categories. 4841: Cancelled Recurring Transaction: 4842: Late Presentment: 4846: Correct Transaction Currency Code Not Provided: 4847: Exceeds Floor Limit – Not Authorized and Fraudulent Transaction: 4849:Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—QuestionableWhat is Mastercard chargeback reason code 4871? Mastercard chargeback reason code 4871 falls under the “Fraud” category. #9. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. Reason Codes: 22 / 23 / 32 / 35. Chargeback Guide. 4841 – Cancelled Recurring or Digital Goods Transactions. ; Help Center Find answers to common questions about Midigator’s technology,. 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. 1 Mastercard chargeback reason code 4849 falls under the “Fraud” category. 0. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. 3: Goods or services were not as described: C31: RM: 13. 3: Card-Present Environment:. The list of chargeback reason codes in this article is organized by card brand and type of dispute. Check the chargeback reason code. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Card Number: Alphanumeric: The first 6 digits, followed by. These numeric codes vary via card. Mastercard. Products. Receiving a damaged product. Example: 25. 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. While there are many chargeback reason codes, all chargebacks fall into one of three categories:Step #2 | Report the Scam to PayPal. Code: Category: Description: 10. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. This extra step can be frustrating for Card Members and lead to lost sales. 1. Does anyone use this service or the service offered by Visa?. Braintree Support Articles. Those reasons are explained through the corresponding reason codes. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. Oftentimes, the reason code assignment is based on limited knowledge and insight. 4 Reason Code 4841 UK— Cancelled Recurring Transaction for MasterCard Added addtional use to chargeback message reason code 4841 in 11. MasterCard time limits vary depending on the applicable reason code. 2. This provided a number of insights into the typical. For example, Mastercard has a code which indicates a ‘consumer dispute. Solution. Code 4871 chargebacks usually occur when a fraudster with a stolen credit card targets a merchant whose POS terminals don't support PIN entry or convinces the merchant to bypass the PIN requirement. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. The reason code assigned helps to identify the evidence the Merchant needs to show as proof that the transaction was valid. All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. 76 . 3. Code Reason (for Visa). Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Reference these when rebutting cardholder disputes at your small business. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration. Following is the list of Chargeback Reason Codes used by MasterCard: MasterCard Chargeback Reason Codes Reason Code: Category: Description:. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. . Visa Chargeback Codes: 30: Services not provided or Merchandise not received : 41: Cancelled recurring transaction : 53:. This situation is represented by Visa reason code 41, MasterCard reason code 4841, American Express reason code 4544,. Reason Code. Check with the issuing banks to determine what time limits may apply to you. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. 4 spec (Section 8. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. This reason code typically means that a merchant has processed a transaction in violation of the Mastercard rules. Which is meant to know the reason for the dispute. Reason Code. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. Invalid Reasons for a DisputeChargeback Reason Codes by Industry. Chargeback Reason Codes. Goods or Services Not Provided. 4. That cardholder used. Unfortunately, it is pretty challenging to prevent friendly fraud. The shorthand description is “Correct Transaction Currency Code Not Provided. There are over 80 unique return codes, each representing a different return type. 4841. 41 4841 Cancelled Recurring Transaction 53 4853 Not as Described or Defective MerchandiseChargeback Reason Code. 120 Days. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Report. Field name: reasonCode. 1 Acquirer Use of Message Reason Code 7623. In this case, the customer files for the pre-compliance chargeback (aka reason code 98). 4834 – Point-of-Interaction Error – Point-of Interaction (POI) Currency Conversion (Dynamic Currency Conversion) 4834 – Point-of-Interaction Error – Unreasonable Amount –. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. Discover Chargeback Reason Codes Explained. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. ) A no-nonsense summary of evidence that proves transaction is legit. 4840 - Fraudulent Processing of Transactions. MasterCard time limits vary depending on the applicable reason code. Mastercard Chargeback Reason Code 71: Disputed Amount. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. This can provide important information to fight the dispute. 1: Fraud (10) EMV Liability Shift Counterfeit Fraud: 10. Mastercard Reason codes fall under four categories. 4841 = Cancelled Recurring Transaction 4853 = Goods or Services were either not as described or defective 4855 = Goods or Services not provided 4859 = No Show / Addendum disputeCodes: Chargeback Reason: 4801: Requested transaction data is not received: 4802: Required information is illegal or missing: 4808: Required authorization not obtained. The good news is that most of these invalid claims are disputable by the merchant. Reason Code 04. Review your credit card processor’s policies to understand its chargeback dispute process. 4860 – Credit Not Processed. 4842 – Late Presentment – Europe. At the same time, the average chargeback costs $191, with merchants bearing more than two-thirds of the financial impact. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Visa Chargeback Reason Codes Mastercard Chareback Reason Code; 30: Services Not Provided or Merchandise Not Received 57: Fraudulent Multiple Transactions 62: Counterfeit Transactions 81: Fraud- Card-present environment 83: Fraud- Card-absent environment 13. 4. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. 3? Visa chargeback reason code 13. The transaction amount and authorization number (ARN. Chargebacks are something every business wants to avoid, as they can. Be transparent about your products. Chargeback Reason Codes Reason code are the first key to understanding the root causes . Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. If your chargeback ratio is high [i. The aim of CE 3. UA06 Fraud – Chip and PIN Transaction. 4859 – No Show/Addendum/ATM Dispute. So don’t spend another second worrying about chargebacks. Mastercard Chargeback Reason Codes Demystified. These chargebacks will show up under reason codes that will, on first glance, appear legitimate. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. Mastercard. These mandates often involve changes to the transaction process, the addition or removal of certain chargeback reason codes, or changes to the various phases and deadlines involved in the chargeback process. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Administrative returns (R02, R03, R04): 3%. Mastercard Merchant Official Documentation. For example, the merchant bills the cardholder in installments. ; Resources. R03 Insufficient Reply. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. . . Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. Cardholder returned merchandise, but merchant did not process credit properly [MasterCard Reason Codes 4841, 4853; Visa Reason Codes 41, 53, 85;. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Valid Values/Format: 22 - First Chargeback Handling Fee. . An Overview of Chargeback Reason Codes. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just experienced with Travel Insurance Resolution. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. Under Set Order Status, select None, Refund, or Chargeback. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. ”. 1 Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. ’chargeback: The buyer filed a chargeback with the credit card issuer. By entering your email, you agree to receive marketing emails from Shopify. 4859 – No Show/Addendum/ATM Dispute. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. Mastercard chargeback reason code 4831 falls under the “Point-of-Interaction Error” category. Try Shopify free for 3 days, no credit card required. 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 code indicates that the cardholder claims not to have agreed to a currency conversion that took place. In the case of friendly fraud, that reason could be completely invalid and. About Mastercard chargeback reason codes. The cardholder claims they were charged multiple times for a single transaction. See Full PDF Download PDF. Technical. As we explained in a previous article, even though the subscription billing business model yield increased revenue for merchants, they are not without significant drawbacks. When a merchant would like to defend a chargeback, they should prepare adequate to reason code defence materials and send them to the Acquirer (Paysafe). Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. Batch chargeback process. MasterCard uses reason code 4842 for late presentment chargebacks if the cardholder’s account is permanently closed and the acquirer presents transaction after one of the predetermined time limits. Overall returns (all codes): 15%. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Create an Unearned Discount. MASTERCARD Dispute Reason Codes. underlying your chargeback. Using the same link provided above, contact PayPal to report the scam. But, it could be up to 540 days, in some situations. In this article, we'll cover some of the major changes that Mastercard has made to chargebacks in recent years, starting with several. 4860 – Credit Not. ”. Then it chooses the most applicable code for a. FRAUD 101. MasterCard time limits vary depending on the applicable reason code. 196 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. ise not. View full document. Representment Documentation. 10. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. 4807 – Warning Bulletin File. . For best results, your chargeback win rate should be as close to 100% as possible. The chargeback transfers funds from the acquirer to the issuer. However, the 30 day waiting period can be waived if you’ve. Not remembering the original purchase. Values are: Blank: Use the receipt G/L date. Every purchase process should time out after a specific period of inactivity. AMERICAN EXPRESS; CODE: DESCRIPTION: A01:. Thus, all deduction activities with the same deduction activity code might have the same chargeback reason code. 120 Days. 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. 2. . Learn the details, the cause, how to respond and how to prevent Mastercard Reason Code 4853 Digital Goods $25 or Less . The Sift Digital Trust & Safety Platform does what other fraud tools can’t, patented technology delivers. Chargeback . Reason Code Reason Description; 4841: Cancelled Recurring Transaction: A recurring transaction was processed after it was canceled or that the cardholder's account was. Our research suggests that friendly fraud will represent 61% of all chargebacks by 2023. . All chargebacks start with a customer making a purchase in person, in an app, or online. From there, a merchant can accept the chargeback or take action through the representment process to attempt to have the chargeback reversed. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. Information on proper voice authorization procedures may be needed for ‘referral’ responses. 4 Reason Code 4841 UK— Cancelled Recurring Transaction for MasterCard Added addtional use to chargeback message reason code 4841 in 11. . 3: Goods or services were not as described: C31: RM: 13. . About Careers Contact. 2. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. 4841 – Canceled Recurring or Digital Goods Transactions. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Mastercard. Here’s how your store can prevent and deal with chargebacks. Mastercard Reason codes fall under four categories. The following are some examples: Visa Reason Code 13. You’ll want to carefully review all chargeback reason codes so you are familiar with the very detailed regulations. 3 is the less common version for card-present transactions. There are multiple situations in which this can occur. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. All Cancelled re- 41 4841 Due to rules changes there is no valid defence to occurring, Credit. Some consumer disputes are legitimate complaints about an order that doesn’t go as planned. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Claim Adjustment Reason Codes - All . Each code has a different timeline. 3: Goods or services were not received: C08: RG: 4855: 13. The reason code. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. Visa Chargeback Reason Codes. The following message reason codes designate chargebacks resulting from issues related to customer disputes: Response Time Frame. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. 2. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s).