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. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. Reason Code. . 1 alpha followed by 2 numeric digits. ) A no-nonsense summary of evidence that proves transaction is legit. These are all the known American Express chargeback codes. 104. 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. 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 rules which will take effect in April 2023 are meant to reduce the volume of friendly fraud occurring over the card network. Include any terms relevant to the transaction, including return, cancellation and. There are two parts to this. “Visa has 28 different reason codes. Chargeback. 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. If you've determined the chargeback is meritless, and you know the reason code, below are the five stages of an effective chargeback representment. Chargeback Reason Codes Card Type DISCOVER DISCOVER DISCOVER Reason Code 4502 4534 4540 DISCOVER 4541 DISCOVER 4550 DISCOVER 4553 DISCOVER DIS. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. The good news is that most of these invalid claims are disputable by the merchant. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. American Express chargeback reason codes REASON ODE ENCYCLOPEDIA sift. ACH return code R13 indicates the transaction includes an invalid ACH routing number. Visa recently shortened chargeback time limits from 45 days to 30. For this reason, you must document all debit and credit card transactions and adhere to the strict rules set by the card networks. EMV Liability Shift Counterfeit Fraud. 1, "Compelling Evidence for goods/services notVisa is planning to shake up the chargeback process with new compelling evidence rules for fraud disputes with Reason Code 10. 3 falls under the “Consumer Disputes” category. 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. R05 – Unauthorized debit to consumer account using Corporate SEC code. 0 represents the first rules change of its kind that specifically provides merchants with the opportunity to reverse the fraud status applied to a transaction associated by reason code 10. American Express chargeback reason code R03 falls under the “Inquiry/Miscellaneous” category. chargeback: The buyer filed a chargeback with the credit card issuer. As we touched on earlier, chargebacks can happen due to technical errors. Choose the representment amount. 2. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. 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. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. the Chargeback. Chargeback. Spot these types of chargebacks using the below reason codes. R04 – Invalid account number. A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. The merchant failed to ship the merchandise to the agreed-upon location. Resources. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 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. Expired or Not Yet Valid Card. When you do the math,. 1? Visa chargeback reason code 12. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. ACH return codes and explanations for R01 – R33 returns. Documentation must be a direct result of cardholder communication. 905. Common Card-Not-Present Visa dispute reason codes. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. R13. NEW. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. AC01. 0 to 5. Chargebacks were introduced as a form of consumer protection against. American Express often sends inquiries to merchants, through their acquiring banks, to gather more information about a. R07 – Authorization revoked by customer. Each debit or credit transaction being returned is returned by the customer's financial institution. 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. This Return Reason Code may only be used to return ENR Entries and is at the Federal Government Agency’s sole discretion. To help you identify what happened, look up the code you received for the dispute below. 1. Fraudulent Activity. The chargeback process starts when a customer (or, less frequently, their issuing bank) challenges a transaction as invalid. R13: Retrieval Response Not Received- for chargeback reason code 4863 (Cardholder Does Not Recognize). 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. Every time a merchant processes a transaction, they are supposed to send an. Chargebacks are something every business wants to avoid, as they can. Both EFM and ECM measure compliance at the MID level. 1. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. Added the following fields - Store ID, Credit Card Chargeback Reason Code. UA05 Fraud – Chip Counterfeit Transaction. The invalid ACH routing number may be the result of a simple typo or may indicate an incorrect routing number was provided. There are several types of chargeback reason codes that can be used, including the following: 1. What is Visa chargeback reason code 13. For instance, if the customer claims unauthorized purchase, your letter should cite evidence, such as an IP address matching previous purchases, to support. #9. Technical. Chargeback Reason Codes Visa. 2. [1] Sift. The charge submitted represents an amount in excess of the approval code received. MCC 5815 — Digital Goods: Media (Books,. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. 2 falls under the “Consumer Disputes” category. VCR Dispute Reason Code 10. 4: Other Fraud – Card-Absent Environment. However, it's advisable to respond to whatever reason code you received from the bank. Insufficient funds. Solutions. May 2011: 5. 101. ACH return codes identify the reason an ACH payment was returned by the recipient's bank. Authorization Approval Expired. The chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. R01 Insufficient Funds. Mastercard Chargeback Reason Code 73: Duplicate Transaction. P05 – Incorrect Charge Amount. Only an issuer can initiate the chargeback process. This may be done by either the merchant or the issuing bank. Fraud (10)& Authorization (11)This Return Reason Code is generally used on CIE transactions. 0 to 5. Your firm needs to embrace a customer-centric approach focused on transparency and. Consider Deadlines. Look below the surface. Receiving a damaged product. American Express . R01 – Insufficient funds. While the format of chargeback reason codes. 1 American Express chargeback reason code C31 falls under the “Card Member Disputes” category. 0. Assemble Your Evidence. S C C. Visa chargeback reason code 11. Chargeback Reason Code. Spot these types of chargebacks using. MasterCard: Reason Code 4859 Services not rendered. 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. No reply (ISO 4516 / R13) Description. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. Visa Chargeback Reason Code 13. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. By entering your email, you agree to receive marketing emails from Shopify. 3. Expedited Dispute Resolution forms will not be allowed. So the company has more incentive to side with customer during cardholder. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Chargeback reason code 10. Duplicate Processing - 81Other Ineligible Transactions Under Reason Code 62, Condition 2 . 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. 3. Code. Updated the following columns - card type, response due date. Eligible Chargeback Reason Codes . Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. In most cases, the bank chooses a course of action based on information the cardholder provides. F10* Missing Imprint. Fight; Prevent; Recover; Predict; Success Story; Resources. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. A08. The chargeback reason codes below explain why this happened. 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. ”. The type of reason code for which you are searching. ” This indicates that the merchant has failed to respond to a transaction inquiry before the deadline elapsed. 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. Upfront Chargeback If we determine we have sufficient information to pursue a Chargeback, we may debit your account up front. The shorthand description is “Late Presentment. If the merchant has a signature showing that the order was delivered, or evidence that the. The merchant did not provide a response to an Amex inquiry within the specific time period. 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 post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. Quantity Discrepancy. But friendly fraud is much more ambiguous. To indicate the reason of the return, ACH provides a reason code that we return in the NOTIFICATION_OF_CHARGEBACK and CHARGEBACK webhooks, and in your Customer Area > Risk. A Charge is Disputed * We’ll work directly with the Card Member and try to resolve the case before reaching out to you. P04 – Charge Processed as Credit. Each chargeback is disputed by a specific reason code. ” This indicates that the merchant has failed to respond to a transaction inquiry before the deadline elapsed. No Valid Authorization. At Visa they used to receive reason code 98. Below are some examples of more common reason codes. This field allows for query by reason code ID which is a unique identifier of the reason. There are over 80 unique return codes, each representing a different return type. 1. However, the 30 day waiting period can be waived if you’ve. R13: Invalid ACH Routing Number:. Card Member cancelled, refused or returned goods and/or services A dispute often has a reason code associated with it. 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. 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. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. The codes also appear on financial reporting associated with disputes. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. 2=1020 etc. Chargeback reason code 13. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. P08 – Duplicate Charge. 3. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. In most cases, you will have 20-45 days in which to respond to a chargeback. Shopify has four status categories for chargebacks and inquiries: Open: No response has been sent yet and evidence can still be added. [noun]/* rə • trē • vəl • rə • kwest/. During this process, the representative of the institution examines the reasons’ list. Reason Codes Category 4: Processing Errors. R06 – Returned due to ODFI’s request. 5 Visa will also place new rules to effectively target Rules. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. Chargebacks. Once filed, the merchant generally has 20 days to respond to the chargeback. Many subscription payment disputes are made under code 13. Erläuterung. Uncollected funds. Updated August 23, 2023. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. Also, remember that the time frame for your response includes any processing required by the acquirer. ” This code indicates that the cardholder had reason to believe they were going to receive a refund, but no credit to their account has yet been processed. There are multiple situations in which this can occur. The chargeback system was designed as a last resort; only to be used in specific situations. Write Off. R13: Invalid ACH routing number. The merchant failed to ship the merchandise to the agreed-upon location. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. Once you hear from. CHARGEBACK: Customer has disputed part or all of the transaction. NOC (Notice Of Change) Codes Code Meaning C01 Incorrect DFI Account NumberapplyHold("hold_code") specifies the applyHold method and the hold code to use when applying the hold. Download PDF . While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. This Return Reason Code will normally be used on CIE. 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. P01 – Unassigned Card Number. If a customer makes a chargeback request on the basis that he or she has not authorised the transaction, the customer's bank will charge the transaction back to the merchant’s bank. 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. . Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. Kontonummer fehlerhaft (ungültige IBAN) SEPA Reason Code bei: SCT. 3? Visa chargeback reason code 13. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. Blog. 3 Changed Discover Reason Codes to match what is shown in the UI. ETAILS. Retry. Chargeback Reason Coded by Network - 2023 Guide. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. The invalid ACH routing number may be the result of a simple typo or may indicate an incorrect routing number was provided. the Chargeback. 1 Merchandise/Services Not Received. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. In fact, for every dollar lost to chargebacks in 2019, the average merchant lost an additional $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). The three-character code notes the specific reason. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. 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). We did not receive your response to our Inquiry within the specified timeframe. However, it is important to note that this reason code is based on the reason given by the customer to their bank. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. Built with a single, intuitive console, Sift’s end-to-end solution eliminates the need for disconnected tools, single-purpose software, and incomplete insights that drain operational resources. The Visa Digital Goods Merchant Fraud Monitoring Program is effective as of April 1, 2023. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. Issuer Review; Allocation. API Integration: Alipay’s API can be integrated into the website's checkout process for online merchants. Authorizations. Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. Either the acquiring or issuing bank could initiate the chargeback. What is American Express chargeback reason code R13? American Express chargeback reason code R13 falls under the “Inquiry/Miscellaneous” category. 2. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Protect stored cardholder data. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. After the introduction of Visa Claims Resolution, Visa set the goal of resolving all disputes in less than 31 days. For example, 'R04' indicates that an invalid account number was provided. 0. The type of reason code for which you are searching. Submitted: The response has been sent and the issuer is. 5,. R13 Invalid ACH Routing Number ( formerly: RDFI Not Qualified to Participate ). Motive: • Numeric value that represents an explanation of the Dispute than can be viewed on the . Verwendung. This process is called. The major card networks have unique reason code systems, and banks use separate tools. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. R01. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. 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. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. FAQ: What remains Chargeback Representment? TIPS. ↩ Back to Directory. This can be transaction receipts, proof of. F02. In that way, winning one dispute may help. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. Legacy Code: 71. Visa Chargeback Reason Codes. ACH Return Code R50 – State Law Affecting RCK Acceptance. 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. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim. This is commonly caused by either true fraud or friendly fraud. What are reason codes? Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. 46 4. 4853 – Cardholder Dispute – Goods or Services Not Provided. The reason code identifies the kind of credit memo that is being requested. But, merchants should be aware that, eventually, everyone will be required to use the new designations. By entering your email, you agree to receive marketing emails from Shopify. Values are: Blank: Use the draft G/L date. Most chargebacks occur due to merchant error, true fraud and friendly fraud. R13: RDFI not qualified to participate. This cipher is chosen by examining the list of reason codes established due the card network for the payment card in question furthermore selecting the one that best matches the reason which cardholder gave for the conflicts. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. 1About American Express chargeback reason codes. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. Retrieval Request. Visa. Your chargeback response must include at least one of the following items: If you did reply within the time limit, provide documentation that supports your claim. ”. 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. View the entire list or search for any chargeback reason code. Reason Code: • List of all Reason Codes and description . WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Using the same link provided above, contact PayPal to report the scam. 10. DTA. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. Account number is invalid or missing. List of NACHA ACH Return Codes. If the customer’s story matches any of their. Enable the Chargeback settlement method in the Invoice Deduction claim source setup. AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. Receiver has advised RDFI that originator is not authorized to debit his bank account. Chargeback Reason Code. Typical chargeback reason codes are: DA: Disputed amounts. com Your chargeback response must include at least one of the following items: If you did reply within the time limit, provide documentation that supports your claim. compliance process depending on whether a chargeback right exists. ” This indicates that the merchant has failed to respond to a transaction inquiry before the deadline elapsed. R02 – Account closed. The merchant authorizes Amex to process a chargeback for the transaction in question. The reason codes are grouped into several broad. 1 chargeback: The merchant failed to ship the merchandise or provide the service as agreed. Reason Code 81: Fraud. It's essential to respond within the. Updated Disputes/Chargeback Policy Coming April 2024Chargeback reason code 13. That’s 50% more time than what the major card networks allow. 3: Goods or services were not as described: C31: RM: 13. The codes also appear on financial reporting associated with disputes. Here are the two possible scenarios: 1. Additionally, Amex uses a fifth "Miscellaneous" category. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. Note. Other Fraud—Card Present Environment. MasterCard chargeback reason code 4540. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from card Reason Code: • List of all Reason Codes and description . The shorthand description is “Cancelled Recurring Transaction. Unauthorized returns (R05, R07, R10, R29, R51): 0. 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. com 14. 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. AMEX Chargeback Reason Codes Reason Code: Category: Description: A02: Request for Information:. Category. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. ISO Name. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal. 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. Before the cardholder can file a chargeback, they must give a reason to their card provider. Reason Code. As we touched on earlier, chargebacks can happen due to technical errors. ASE . 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. American Express did not receive a response to an inquiry within the specified timeframe. 5 under Visa Claims Resolution). With that said, you still need to understand the reason codes with any chargebacks from Amex. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. 6? Visa chargeback reason code 13. Check the chargeback reason code. 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. AMEX R13 Requested Transaction Information Not Received Request for Information YES NO An ACH dispute results in a chargeback for the business that processed the payment. ACH Return Code R51 – Item Related to RCK Entry is Ineligible or RCK Entry is Improper. This typically. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. ” 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. . What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. 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 TRRSurvey data from the 2019 Chargeback Field Report found that 82% of merchants surveyed believed that the Visa Claims Resolution process had “little to no impact on chargeback management. But for illegitimate claims, the reason code doesn’t give the real reason for the dispute. ASE . 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. However, the return request is invalid, as the customer does not have a legitimate right to a refund for one reason or another. The shorthand description is “No Reply. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. Visa - 13. 1: Use the corresponding dates from the invoice. 0: Changed report name from Downloadable Dispute Report to Case Report. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. S D D.