Once filed, the merchant generally has 20 days to respond to the chargeback. It is caused by things like beliefs, opinions, morals, regrets, fear, and confusion. Chargebacks. Visa anticipates that changes to the required up-front information will help eliminate the back-and-forth between merchant, acquirer, and issuer, intending to result in a quicker chargeback resolution time for our merchants. eCommerce. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. For details on how to receive notifications of chargebacks, accept or dispute them, and submit evidence to. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. The scammer claims to be from the bank, and is seeking to confirm a specific transaction, which the victim denies. Description: Reason Code: Explanation: Incorrect Card Number: American Express P01, P22; Discover IN; Mastercard 4808; Visa 12. To subscribe and learn more about the free online chargeback management system, or contact Chase Paymentech Client Services at 1. And, each code has unique compelling evidence requirements if you choose to fight. Visa assesses the following fines, as specified in the table below, to a U. Bank of America issues both Mastercard- and Visa-branded cards, so the exact requirements may vary depending on the Mastercard reason code or Visa reason code . ’Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Scenario 2. American Express is incentivized to keep their customers happy. 61 P03 Credit processed as charge. This will be referenced in the chargeback notice you received. F02. 1: Use the corresponding dates from the invoice. All ACH return reason codes consist of the letter “R” followed by two. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Check with the issuing banks to determine what time limits may apply to you. When customers dispute charges to their accounts, you can incur chargebacks. 2 chargeback if you override a declined, referral, or pickup authorization message, but process the transaction anyway. Chargeback 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. 10. Overall returns (all codes): 15%. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. There are two types of invalid chargebacks. A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. 3: Goods or services were not received: C08: RG: 4855: 13. Merchants. Solution. In the distribution industry,. Additionally, Amex uses a fifth "Miscellaneous" category. Chargebacks. Time Frames by Chargeback Type and Reason Code. 2 Compliance CasesECM monitors first presentment chargebacks regardless of reason code or transaction type. Acquirer after the 3-month Workout Period, as described in “Excessive Fraud Activity Notification - U. 1 Allocation Fraud and Authorization related chargebacks will be processed through an automated workflow. American Express reason code 155, Visa reason code 30, MasterCard reason code 4855, and Discover reason code 4755 are all specific reason codes for Shopify payment chargebacks. The merchant generates a QR code for the transaction, which the customer scans using the Alipay app on their smartphone to complete the payment. A reason code helps explain why a transaction was disputed. 1. The reason for the dispute was false or inaccurate. 2. 7 • A transaction has been processed against a card number that is invalid because it does not exist, has not been assigned to an active cardholder account, or is otherwise incorrect. Ethoca alerts can prevent chargebacks before they hit your bank account. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. There are multiple situations in which this can occur. The Electronic Fund Transfer Act is a piece of US legislation that requires banks to provide certain information to customers regarding electronic fund transfers (EFTs). Select a tab to see the possible reason codes for each dispute event category, divided by scheme. Processing Errors. 3? Visa chargeback reason code 13. The EFTA was first enacted in 1978. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 46 4. Reason code Description; P01: Unassigned Card Number: P03: Credit Processed as Charge: P04: Charge Processed as Credit: P05: Incorrect Charge Amount: P07: Late Submission: P08: Duplicate Charge: P22: Non-Matching Card Number: P23: Currency Discrepancy M01 — Chargeback Authorization. Message. Card Issuer. Any chargeback that is received without a reason code will be assigned a default code of 53. When one cardholder initiates a dispute with their issuing bank, a. Those reasons are explained through the corresponding reason codes. reason_description: string. 5 under Visa Claims Resolution). Additionally, Amex uses a fifth "Miscellaneous" category. 9808 info@chargebacks911. Unassigned. Chargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity 10. What is Visa chargeback reason code 13. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. This can be a little confusing; Visa uses the term “dispute” in place of the term “chargeback. 1 chargeback: 1. Updated August 23, 2023. S. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. Click “filter orders”. Mastercard Chargeback Reason Code 70: Chip Liability Shift. 1 Quick Reference Lead. Either the acquiring or issuing bank could initiate the. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. A payment capture is the legally binding point at which transactional funds move from a cardholder's account into a merchant’s account. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. Visa chargeback reason codes are used to categorize the reasons for a chargeback. 0 rule changes take effect April 15,. The merchant authorizes Amex to process a chargeback for the transaction in question. The chargeback process starts when a customer (or, less frequently, their issuing bank) challenges a transaction as invalid. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. Amex Dispute Codes Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Supporting Documents You could potentially reverse a Chargeback by providing the necessary supporting The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. 4: Other Fraud–Card-Absent Environment. Chargeback Reason Codes; Payment Industry Glossary; Frequently Asked Questions; Book a Demo. Ready to see. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. The chargeback transfers funds from the acquirer to the issuer. Chargeback Reason Codes Page 2 of 5. 3 Fraud – Card-Present Environment. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. P22 – Non-Matching Card Number. Read on for the complete guide to dealing with chargebacks. Partners. 4: Other Fraud – Card-Absent Environment. What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. Try Shopify free for 3 days, no credit card required. In simple words, the chargeback reason code provides the reason why you are dealing with a chargeback. 04/09/14 Discover: DC, U02. Category. Spot these types of chargebacks using the below reason codes. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. processed the transaction correctly. Choose “chargeback and inquiry status” from the drop-down menu. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Visa is planning to shake up the chargeback process with new compelling evidence rules for fraud disputes with Reason Code 10. Responding to Mastercard Reason Code 4853 Chargebacks. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. Receiving a damaged product. But friendly fraud is much more ambiguous. 1 alpha followed by 2 numeric digits. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. 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. 1. Supporting Documents You could potentially reverse a Chargeback by providing the. Reason codes are important to help merchants address recurring. The first thing you should learn is to identify the chargeback reason code, which is a kind of shorthand that indicates why the transaction is being disputed. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. 08. This is commonly caused by either true fraud or friendly fraud. Goods / Services Damaged or Defective. Note: Fraud is generally the most common chargeback dispute reason. Fortunately, chargeback reason codes make it easy for merchants to understand the cause of chargebacks. Scenario 1 — upfront chargeback. Reason codes differ by card brand (Visa, Mastercard); a complete list can be found here. Chargeback reason code 11. . The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. 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. . Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. First, after a cardholder contacts the bank to inquire about a transaction, the bank uses VROL to pull detailed transaction information. Scenario 1 — upfront chargeback. P01 Unassigned Card Number P03 Credit Processed as Charge P04 Charge Processed as Credit P05 Incorrect Charge Amount P07 Late Submission P08 Duplicate Charge P22. Reason Code North-America:. 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. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. 104. 4 spec (Section 8. It also regulates the way banks must respond to consumer complaints and sets limits on liability for lost or stolen debit cards. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. The cardholder initiates contact with their bank or credit union to file a dispute. 1. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Over the last three years, so-called friendly fraud has become the number-one source of fraud as reported by merchants are forced to deal with. 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. When the reason code comes up, the terminal may also read, “insufficient funds. US/Canada Chargeback reason code. School Yeshiva University; Course Title BUS MISC; Uploaded By KidGorilla7385. 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 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds:. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. To obtain additional information, the issuing bank sends a retrieval request to the merchant’s bank. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. Visa Chargeback Reason Codes. Chargeback Codes (continued) C04 Goods/services returned. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. You’ll want to carefully review all chargeback reason codes so you are familiar with the very detailed regulations. P01: Unassigned Card Number: P03: Credit. Specify the invoice date and net due date to assign to chargebacks. They can also be caused by a merchant failing to process a cancellation promptly. A chargeback is the potential outcome of a disputed credit or debit card transaction. 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 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. Step 01 | Identify the Reason Code. But, merchants should be aware that, eventually, everyone will be required to use the new designations. The cardholder claims they were charged multiple times for a single transaction. Categories for reason codes have changed over the years, especially because of the increasing number of. P05 – Incorrect Charge Amount. So don’t spend another second worrying about chargebacks. Now, compliance cases must be submitted through Visa Resolve Online (VROL). Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. 1. This typically. P01: Unassigned C/M Account Number:. One catch is that CE3. P05 – Incorrect Charge Amount. While there are many chargeback reason codes, all chargebacks fall into one of three categories:In most cases, you will have 20-45 days in which to respond to a chargeback. Example: 25. If you get a chargeback,. 1, "Compelling Evidence for goods/services not2. You must tailor your representment case — including the compelling evidence — to the reason code under. S. 1 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. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. 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. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. 7. Charge Processed as Credit. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. Typical chargeback reason codes are: DA: Disputed amounts DD: Unearned (disallowed) discount amount Note. Additionally, Amex uses a fifth "Miscellaneous" category. After four months at the Standard level or immediately at the Excessive level, merchants are also eligible to receive chargebacks under reason code 10. P03 — Credit Processed as Charge Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. P01 – Unassigned Card Number; P04 – Charge Processed as Credit; Discover. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. Section5. 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 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. Values are: Blank: Use the receipt G/L date. Reason. Ideally, the chargeback reason code will determine the type of evidence you share. Scrutinize chargeback additionally alert data by dozens of metrics. Chargeback Prevention Alerts Resolve customer disputes quickly before they become chargebacks. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. It is important for the merchant to know about the American Express Chargeback. Representment Documentation. Effective for Transactions completed on or after 15 April 2016, A Transaction for which Authorization was obtained after a Decline Response was received for the same purchase. While creating the reason codes, the. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. But why do they happen? 4 common types of hotel chargebacks. 3: Goods or services were not received: C08: RG: 4855: 13. 2? Visa chargeback reason code 12. ”. With an eCommerce transaction, 3-D Secure technology works like an online PIN code. Most reason codes apply to any merchant, regardless of what’s being sold. The chargeback is ordered by the bank that issued the consumer's payment card. Most commonly the payer is a consumer. 4853 – Cardholder Dispute – Credit Not Processed. P08 – Duplicate Charge. 7. Select a tab to see the possible. Unfortunately, it is pretty challenging to prevent friendly fraud. Amex. CE 3. Depending on the reason code, chargeback disputes may have different time limits. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Time Limit (Issuer/Cardholder) 120 Days. Cardholders can dispute digital goods transactions of $25 or less (or the equivalent in local currency) if certain purchase controls were not put. Chargeback reason codes. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Select the value “open”. As such, it is limited to merchants in the following merchant category codes (MCCs): MCC 5735 — Record Stores. ”. ” -This reason code is. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. US $10,000. Dispute Best Practices Guide Overview This guide includes: An overview of authorization and transaction processing An overview of retrievals and chargebacks Reason code guidelines for all. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. The way you manage chargebacks depends on your account setup. Card networks send these codes to merchants to indicate why a chargeback has been filed. Some crucial examples of specific documents used as compelling evidence are as follows: Delivery confirmation of the order; Conversations with the customer; Verification codes (AVS, Authorization, Card Security Code, 3D Secure 2. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. 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. non_receipt: The buyer claims they didn't get the goods or services. ACH Return Codes. Customer Dispute. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. 2. Once filed, the merchant generally has 20 days to respond to the chargeback. During this process, the representative of the institution examines the reasons’ list. 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). R06 – Returned due to ODFI’s request. Once filed, the merchant generally has 20 days to respond to the chargeback. P01. Goods and services not as described or cardholder received defective goods or services 3. United States. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Now, those unrecognized disputes are often. UA06 Fraud – Chip and PIN Transaction. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Number two: Product Not Received chargebacks. Chargeback reason codes are codes used to categorize the reason for the dispute. Chargeback. Reason Code. P01. When the customer disputes a charge, the issuing bank then begins the chargeback process. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. 4. Fine Period - month 1 1 Acquirer receives Excessive Fraud Activity Notification 2. NEW. Upfront Chargeback If we determine we have sufficient information to pursue a Chargeback, we may debit your account up front. Chargeback Reason Codes by Industry. 16 Chargeback Reason Code 71 – Declined Authorization. Specify the default reason code to. Dec 6, 2021 — Betty's bank issued the chargeback for $9. Commonly selected actions include Dispute/Reverse Chargeback or Accept Chargeback. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. 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. Once you receive this notification, you have 11 days to. ; Chargeback Prevention Alerts Decide customer disputes quickly before they become chargebacks. Not recognizing your billing descriptor on a statement. There are over 80 unique return codes, and each one represents a different type of return. QR Codes: One common way to accept Alipay is via QR code payments. The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. ; eventCode: CHARGEBACK. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Only an issuer can initiate the chargeback process. [noun]/* kə • stə • mər • di • spyo͞ot/. This webhook contains: pspReference: Adyen's unique reference associated with the payment request. 4846. For best results, your chargeback win rate should be as close to 100% as possible. Protect cardholder data. See the list of reason codes below: Card Network. When disputing a chargeback, select the document(s) that support your case, attach. GraphQL Docs & Tools. A reason code or a chargeback reason code is a string of symbols (numbers and letters). Chargeback reason codes identify the general reason behind a chargeback. Note. This will put the onus of the chargeback back on the card-issuing bank as opposed to the merchant, for many chargeback reason codes. Reason Code 10: Violation of Standards: The merchant was in violation of one or more of the card network’s regulations. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. In short, chargebacks are costly. The system does not accept Blank as a value, even if it is defined in the UDC table. Other Fraud—Card Present Environment. The Sift Digital Trust & Safety Platform does what other fraud tools can’t, patented technology delivers. 4853 Cardholder Dispute. . According to data published by ThreatMetrix, nearly 20% of all attempted transactions in the travel industry are identified as fraud attacks: Every travel vertical stands to lose revenue due to online. 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. 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. Also, remember that the time frame for your response includes any processing required by the acquirer. Shopify has four status categories for chargebacks and inquiries: Open: No. 41 4841 Cancelled Recurring Transaction 53 4853 Not as Described or Defective Merchandise 57 4840 Fraudulent Multiple Transactions 62 4870/4871 Counterfeit Transaction Being familiar with the potential chargeback reason codes gives recurringA counterpart program, the Visa Dispute Monitoring Program, may apply to both fraud- and non-fraud-related reason codes. There are over 80 unique return codes, each representing a different return type. The third digit indicates the specific reason within that category. 75 for every $1. Read the Chargeback Advice letter carefully. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Reference these when rebutting cardholder disputes at your small business. 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. 4 Fraud – Card-Absent Environment. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. Your firm needs to embrace a customer-centric approach focused on transparency and. Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. Recurring billing transactions are a frequent source of conflict, disputes, and. You can see a reason code 11. 975. Reason Code. But cardholders and merchants have different time limits. A chargeback happens when a customer requests for a transaction to be reversed. 0. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. R02 – Account closed. Reason Code Number. 9% with at least 100 total disputes. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. to research a chargeback or reversal case, which is related to an authorization or fraud related chargeback reason code. American Express. 3: Goods or services were not as described: C31: RM: 13. Each chargeback reason has its own, individual prevention techniques. Why Midigator; Feature. 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. Instead, the merchant provides an. 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 TRR 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. F01. P22 – Non-Matching Card Number. An ACH dispute results in a chargeback for the business that processed the payment. Transaction unauthorized make up 30% of all. 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. Different card networks have different reason code systems. With the right compelling evidence,.