Blog. 3 – CBK: Requested/Required Authorization Not Obtained 12. The terminal action codes are in Table 122 of the 4. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. ” This code indicates that the merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, and submitted the. While the updates have been published, they do not go into effect until Oct. 1? Visa chargeback reason code 11. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. September 2011: 5. Maestro. reason code information. Find explanations for the major credit card issuers dispute reason codes in the Cardholder Dispute Reason Code EncyclopediaAlternatively, you can find the list of Klarna dispute notifications in your Customer Area by going to Risk > Disputes > Requests for Information. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback MitigationVisa chargeback reason code 70 falls under the “Authorization” category. List of Chargeback Reason Codes. A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. In most cases, you will have 20-45 days in which to respond to a chargeback. Visa chargebacks can be a major inconvenience for merchants. Reason codes are very crucial to assist. These codes can. If the first chargeback was correct and the acquirer bank failed to change the dispute properly, the issuer may continue the chargeback with the same reason code originally processed. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. The Discover chargeback reason codes list is just as extensive as the other major US card schemes, despite being the youngest and smallest of the four. Chargeback Reversed. Reason Code – 13. Visa Merchant Official. 4. High Level Visa Chargeback Dispute Flow. A cardholder claims that they did not receive the service or merchandise they ordered. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. This is a code taken from the card scheme’s published list, which identifies why the issuer filed the dispute: Visa Chargeback Reason Codes. 1 falls under the “Consumer Disputes” category. The merchant processed a random account number and didn't obtain the owner's authorization. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. The chargeback report shows the status of all chargeback disputes. The same is true of all chargeback reason codes. Fraud (10)& Authorization (11)There are many reasons a consumer may file a return item chargeback. Acquirer Use of Message Reason Code 7623. It was originally just one facet of legacy reason code 81. Process reversals and credits promptly. You can learn more about each one by visiting the Mastercard Chargeback Guide. When a chargeback is submitted, the issuing bank selects a reason code from the list provided by each card network. 2 – EMV Liability Shift Non-Counterfeit Fraud. compliance process depending on whether a chargeback right exists. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12,. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. C. S. Chargeback Reason Code List - U. 02. When filing a chargeback,. 10. They also prevent acquirers from threatening or punishing merchants with inclusion on the MATCH. 13. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. The Return Reason Code could be any of the valid codes listed in the X9. 5% or more are categorized as Excessive Chargeback Merchants (ECM). Incorrect transaction amount or account number. Mastercard Chargeback Reason Code 73: Duplicate Transaction. And each reason code has unique compelling evidence requirements if you choose to fight. When a customer files a dispute, the incident will be sent through the “Allocation” workflow if it is designated as a “Fraud” or “Authorization” -related dispute. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. Both EFM and ECM measure compliance at the MID level. 80. Cause. 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. Support; Login. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. Merchants who end a month with at least 100 chargebacks and a chargeback ratio of 1. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRRReason Code 02. About Visa chargeback reason codes. 1. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 — Updated Special Notes. Get your complete guide to Discover reason codes, including all the detailed information, chargeback time limits, and other important information you need. Here are the two possible scenarios: 1. Reason Code 03. 3 – Not as Described or Defective Merchandise / Services. RDR will send an alert to the merchant, who can either initiate a refund to end the dispute. To determine the problem, you need to examine customer interactions, transaction details, and business practices. 65 - Withdrawal limit exceeded: The transaction would exceed the. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. Code. 13. There are a lot of different parties involved in the chargeback process. Learn the details, the cause, how to respond and how to prevent Visa Reason Code 13. There are tricks you might use to circumvent an undesirable authorization message, such as not requesting authorization at all, or making multiple attempts on a declined card. 1 – EMV Liability Shift Counterfeit Fraud. If they accept, this is the final status. “Goods Not Received” also jumped to 9% of repudiated transactions as customers attempted to recoup losses for canceled flights. The tables in the following subsections list the Chargeback reasons and information related to each Chargeback reason. The Federal Reserve Banks use Return Reason Code 6 for items drawn on a retired routing number and Return Reason Code X is used for paper deposited return items converted to image by the Federal Reserve Banks. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. Reason Code 05. These codes help businesses understand the cause of chargebacks and how they can prevent them in the future. There are over 50 chargeback reason codes between all the major card brands. One of these changes was an overhaul of Visa’s list of chargeback reason codes. Solution. Published: June 1, 2022. The major card networks have unique reason code systems, and banks use separate tools. ; If the acquirer bank. MASTERCARD. Card-not-present chargeback. The journal Chargeback reversed is booked and the disputed amount is transferred back into your account. Learn more about chargeback reason codes here: Chargeback Reason Codes: List & Tips for Merchants A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Depending on whether the documentation is required or not, Paymentology will submit these chargebacks on the client’s behalf. When disputing a chargeback, select the document(s) that support your case, attach. It’s crucial that you recognize the common merchant errors that might trigger a reason code 13. American Express, Discover (and Diners Club International, which it owns) use a combination of numerals and letters. Merchant must provide proof of authorization. It depends on the chargeback reason code associated with the dispute. The chart above outlines reason codes for when Walmart is not paying the full amount of an invoice. What Are Chargeback Reason Codes? Chargeback reason codes are a set of numbers and letters indicating why a. It can range from 60 to 120 days from the billing date. Chargeback Reason Codes. 1003 - Transaction Supporting Document (TSD) needed. Charge-back Reason Codes VISA ® 10. Resources. The Online Chargeback Management guide (PDF) is to help merchants input debit adjustments. The codes for each card brand are listed below along with the recommended documentation to provide. The Chargeback Reason Code Format. 1002 - Cardholder disputes billed amount. 31. 00: The amount of the transaction. Description: Reason Code: Explanation: Incorrect Card Number: American Express P01, P22; Discover IN; Mastercard 4808; Visa 12. This could happen as a result of fraud or merchant abuse. Incorrect Transaction Code. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. Paid by alternate means and card. 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. The card scheme receives the chargeback and forwards it to the acquirer. 4 applies to eCommerce, whereas code 10. Thus, the easiest way to prevent chargeback reason code 75 from being. online) purchase. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. 1st Chargeback. Explanation of the occurrence of a chargeback, with a detailed breakdown by type and prevention options. Case Studies. Reason Code Directory. The list of steps below illustrate how to initiate a Macy’s (USA) chargeback. And each reason code has unique compelling evidence requirements if you choose to fight. If like most Discover cardholders, your card was issued by Discover Bank, they are the ones you must contact for a Discover chargeback or to dispute a transaction. Different card networks have different reason code systems. Which is meant to know the reason for the dispute. 1? Visa chargeback reason code 13. Chargeback. A MATCH list reason code refers only to criteria for a merchant being added to the MATCH database. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. C08 – Goods / Services Not Received or Only Partially Received. A T-code has the following format: T<event-group><event-type-code> Where: <event-group> is a two-digit general. 1 falls under the “Authorization” category. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. These reason codes are a standardized list of reasons that a customer and/or their bank may file credit card chargebacks. Case Studies. 100- 140 standards- , and will be removed in future releases. 100187 and ANSI X9. All chargebacks start with a customer making a purchase, either in-person, in-app or online. Processing Errors, also referred to as Point-of-Interaction Errors, categorize reason codes representing disputes including duplicate processing, late presentment, credit processed. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. This should include notation that indicates the specific reason for the chargeback. VCIPayments; NMI;. The reason for the dispute was false or inaccurate. About Careers Contact. Dispute Category. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. Feel free to submit topic suggestions, questions or requests for advice to:. 1 - Card Recovery Bulletin; 11. 4 — other fraud – card-absent environment — asserts the merchant processed a card-absent, card-not-present, or digital payment for a customer who used the. Merchant processed transaction below floor limit without authorization. Mastercard Authorization Chargeback Reason Codes What is Visa Reason Code 11. Mastercard: n/a This chargeback is caused by Authorization. Each of the major card brands, including Visa,. Friendly fraud. 5 percent of all transactions. 196 A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. You also. For a list of available reason codes, refer to Dispute reason codes. The issuing bank assigns each case a code according to the consumer’s claim, and the merchant must adhere to the time limits for that specific code. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Visa Merchant Official Documentation. Discover is a credit card network and an issuing bank—just like American Express. Issuer Review; Allocation. In the case where goods or services are to be delivered, Cardholders can disputePreventing Mastercard Reason Code 4837 Chargebacks. Partners. A fraudulent chargeback represents much more than a lost sale for merchants. The other member could accept the chargeback or contest it, escalating the dispute to compliance where Visa adjudicates. Reason Code 02: Common Point of Purchase: Account data is stolen from the card-present merchant and used with other merchants: Reason Code 03: Laundering: The merchant processed transactions that did not involve a bona fide cardholder: Reason Code 04: Excessive Chargebacks: The merchant breached predetermined chargeback thresholds: Reason Code. Category. If the order was genuinely not as described, then the cardholder has a case. Banks, processors, merchants, card networks, and third-party vendors all have a role. 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. This is now an obsolete reason code, and issuers have been instructed to use code 4808 instead. The cardholder has a chip card and someone made a counterfeit copy of it. May be received up to 8 weeks after settlement. Notification of Fraud. For a more detailed explanation, as well as a list of Visa’s individual codes, please refer to our guide on chargeback reason codes. What are Merchant Category Codes? A Merchant Category Code is a four-digit number that identifies the type of products or services the merchant provides. 5 – Misrepresentation. 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. to research a chargeback or reversal case, which is related to an authorization or fraud related chargeback reason code. Example: “I am familiar with all of the major chargeback reason codes, including non-receipt of goods,. 2. The client can send Paymentology a list of disputes, using a predefined batch chargeback submission template that has been requested to chargeback. FR2 Fraud Full Recourse Program. Other Fraud-Card Absent Environment, No Cardholder Authorization, Card Not Present Fraud, Cardholder Does Not Recognize - Potential Fraud, Disputed Transactions (Reason Code-45),. 1. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. If the dispute involves a non-Visa card, the dispute can be paused for up to 72 hours for the merchant to respond. About Visa chargeback reason codes. If the available information indicates that the customer dispute is a valid one, American Express will automatically debit your merchant account for the amount of the disputed transaction and will send you a chargeback notification for you to review. Merchant must provide proof of authorization. 2022 Visa Chargeback. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. WEX began issuing chip cards in Q4, 2020. Prior to this, Mastercard’s list of reason codes was long, convoluted, and confusing; now there are fewer than ten different reason codes relevant to most merchants. The latest edition of Visa’s core rules (effective April 2023) introduced Visa Compelling Evidence 3. This reason is made visible to all parties involved. The tickets were held at the box office, and no signature, swipe or imprint. 100-187-2013 Standard for image exchange. It doesn’t help matters that travel is a high risk industry for credit card payments and with 100+ reason codes across all issuers, making sense of them all is a challenge. For a more detailed explanation, as well as a list of Visa’s individual codes, please refer to our guide on chargeback reason codes. 4841 Canceled Recurring or Digital Goods Transactions. The most significant changes were Visa’s overhaul of their chargeback reason code list and the introduction of the Allocation and Collaboration workflows. With VCR regulations, the risk of breaching fraud-to-sales thresholds increases. 13. 2: Canceled Recurring Transaction, is used when a cardholder claims a recurring transaction was processed illegitimately. Here's a rundown of the most common decline codes: 51 - Insufficient funds: At the time authorization was requested, the customer’s account did not have sufficient funds to cover the transaction. Reason Code 03: Laundering: The merchant processed transactions that did not involve a bona fide cardholder. For example, 10. Technical. But cardholders and merchants have different time limits. © CHARGEBACK REASON CODES Reason. 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. Chargeback reason codes. The aim here was to streamline the list of reason codes, and make it. 6. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The merchant processed a transaction the cardholder wasn't a part of. They can also be caused by a merchant failing to process a cancellation promptly. 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. Solution. 4, 12. ACH Return Codes. Blog. As a merchant, your focus should be on finding and retaining customers--not chargebacks. This chargeback may be reversed if merchant can. g. Now, compliance cases must be submitted through Visa Resolve Online (VROL). There are over 80 unique return codes, and each one represents a different type of return. This chargeback<br />. Whenever a card used in a transaction is declined, the sale should be terminated. Request Transaction Documentation for Keyed Card Transaction. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. 5 and, more or less, associate the dispute with an issue related to a stolen credit card. R03 Insufficient Reply. Chargeback time frames - A specific period during which a chargeback can be raised. “American Express Chargeback Reason Codes | Sift”. C18 – “No Show” or CARDeposit Cancelled. Discover Chargeback Reason Codes Explained. Step 2 – The issuing bank reviews the chargeback dispute charge and electronically sends the transaction to the acquiring bank. Code 13. 3: Goods or services were not received: C08: RG: 4855: 13. F02. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. The implication is that the merchant is at fault. You can also view your latest chargebacks. A ratio of 3% or more with at least 300 chargebacks will result in being categorized as a High Excessive Chargeback Merchant (HECM). 6 – Credit Not Processed. Administrative returns (R02, R03, R04): 3%. For American Express; For Visa; For Mastercards; Chargeback Reason Codes List for American Express 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 card-not-present chargeback is a payment reversal conducted by a bank in response to a card-not-present (i. Evidence Required. RuPay has categorized all the chargeback reason codes into 5 different groups as stated below. Reason Card Type Reason Code Description Merchant Action Code This chargeback occurs because of a dispute on an Airline sale involving allegedly fraudulent card transactions. Card Member cancelled, refused or returned goods and/or. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Inform the cardholder when you issue the credit. When used at the point of sale, the transaction is. Thanks for following the Chargeback Gurus blog. Use this report to check the status of all chargebacks disputes and retrieval notifications within the report range. Knowing these categories helps you further understand the chargeback and identify any problems within your payment solution, customer service, and sales processes. Chargebacks occur when a credit cardholder disputes a charge on their statement with their issuing bank, in order to ask for a refund. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. 4854 Cardholder Dispute—Not Elsewhere Classified (U. The chargeback process allows for cardholders to recover funds in the event of fraud or abuse. 4808: This code can refer to: Account Number Not on File. If they don't accept, disputes with reason codes 4808, 4870, or 4871 go straight to Arbitration. Added the following fields - Store ID, Credit Card Chargeback Reason Code. American Express uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors as well as two additional categories, Inquiry/Miscellaneous and Chargeback Programs, to classify just a handful of reason codes. 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. Expired Chargeback Protection Period. As an eCommerce merchant, you may think these chargeback codes can answer the motivation behind a chargeback. Region Only) 4855 Goods or Services Not Provided. Here are some recurring issues that you might see pop up most often to cause decline codes: Credit card verification error: The card used could have a faulty microchip or magnetic stripe, which would require manual input. 1: EMV Liability Shift Counterfeit Fraud: 10. The format depends on the credit card company. M49 Vehicle Rental – Theft or Loss of Use. The Chargeback Reason Code User guide (PDF) is to help merchants understand the different chargeback Timeframes and. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. 2. ”. Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, and. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. You have 21 days to resolve the shopper complaint before it becomes a dispute. When one cardholder initiates a dispute with their issuing bank, a. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. eCommerce grew too fast for the payments industry to respond. 5%. ASE . 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. For card-absent transactions, use all Visa tools, including AVS, CVV2, Visa Secure, and more, to reduce instances of fraud. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. 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. Category. . Reason code 83 represents a chargeback categorized as. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. Transaction unauthorized make up 30% is all. Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds. Previously, Visa expected the disputing member to start the dispute by filing a pre-compliance chargeback under reason code 98 (now obsolete). The most comprehensive guide to chargeback reason codes. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. The deadline for a Chase Bank customer to dispute a transaction is 60 days. MasterCard and Visa each have their own chargeback codes. The initial release of this standard does not add, remove or change any Return Reason Codes. 4837 — No Cardholder Authorization. ” This reason code is assigned. 4 – Counterfeit Merchandise. Reason Code Directory. Friendly fraud occurs when a customer accidentally or deliberately files a chargeback on a legitimate transaction, instead of trying to first obtain a refund from the merchant. Reason codes give merchants information about the cause of a chargeback and what evidence. We will assign the chargeback to you for review in the Disputes tab of the Customer Area. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. ; This chargeback may be reversed by supplying information such as the method and date when the authorization code was obtained or evidence that a credit was issued. As mentioned earlier, the given reason for a chargeback may be far different from the actual reason. Message. 2 is an updated version of legacy Visa reason code 81, which was phased out under the Visa Claims Resolution initiative. 2 chargebacks are frequently caused by customers forgetting to cancel a subscription before the next billing and then going to their bank to try to get their money back. Steps to Prevention. Reason code 4842 (Late Presentment) was retired. This reason code is accompanied by a fraudulent reason code (UA). Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. While that list is too long to cover here, we wanted to address the most commonly abused reasons for a credit card chargeback dispute and how to fight chargebacks. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. P22 – Non-Matching Card Number. Visa chargeback reason codes. For information concerning Chargeback Response Code, see the Chargeback API Reference Guide. 1 Merchandise/ Services Not Received. For instance, some reason codes allow cardholders over a year to file. Code. 5, and all aspects of chargeback reason codes, with proprietary. This reason code indicates that the merchant processed a transaction using the wrong transaction code. Resources. Chargeback reason code 13. The code replaces Visa’s legacy reason code 41. You processed a transaction with the counterfeit card on a terminal that wasn’t EMV-compliant rather than using a chip reading device that would have detected the fraud. 4 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. Code 4807 was used to cover various authorization-related. About Visa chargeback reason codes. A new 4 byte reason code will be used moving forward. 3. Chargeback reason codes are a list of common reasons why customers dispute charges on their credit card statements. The codes also appear on financial reporting associated with disputes. For a complete list of all Visa reason codes, as well as the reason codes for other card networks, check out our complete chargeback reason code guide. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. ETAILS. Mastercard gives you 45, and Discover gives you 30. The merchant can choose whether or not the reason makes sense and. Discover - RG Non-Receipt of Goods, Services, or Cash. Accessed October 31, 2022.