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Chargeback Reason Codes
All received credit card disputes include a reason code. Reason codes vary by card brand. The list of chargeback reason codes in this article is organized by card brand and type of dispute.
This list was generated 5/4/2022. It is subject to change and may not include every currently known dispute reason code.
See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes.
American Express
Processing
P01Unassigned Card Number P03Credit Processed as Charge P04Charge Processed as Credit P05Incorrect Charge Amount P07Late Submission P08Duplicate Charge P22Non-Matching Card Number P23Currency Discrepancy
Fraud
FR2Fraud Full Recourse Program FR4Immediate Chargeback Program FR6Partial Immediate Chargeback Program F10Missing Imprint F14Missing Signature F24No Cardmember Authorization F29Card Not Present F30EMV Counterfeit F31EMV List/Stolen/Non-received
Authorization
A01Charge amount exceeds authorization amount A02No valid authorization A08Authorization approval expired
Dispute
C02Credit not processed C04Goods/services returned or refused C05Goods/services canceled C08Goods/Services Not Received or Only Partially Received C14Paid by Other Means C18“No Show” or CARDeposit Canceled C28Canceled Recurring Billing C31Goods/Services Not as Described C32Goods/Services Damaged or Defective M10Vehicle Rental - Capital Damages M49Vehicle Rental - Theft or Loss of Use
Other
R03Insufficient Reply R13No reply M01Chargeback Authorization
Diners
A02Authorization Processing Errors A06Unissued Account Number B24Charge Older than Thirty Days B25Duplicate Charge B26Alternate Settlement Currency Incorrect Exchange Rates B27Incorrect Currency C41Fraud - Card Present Transaction C42Fraud - Card Not Present Transaction C46Multiple Charges at Service Establishment Fraudulent Transaction C49Reason Code No Longer in Use C50Suspect Service Establishment – No Response to the Suspected Fraudulent Service Establishment Report C51Suspect Service Establishment – Terminated Service Establishment D61Altered Amount D62Non-Receipt of Goods or Services D65Incorrect Transaction Type D66Credit not Processed D67Cardmember Paid by Other Means D69Canceled Recurring Transactions D70Cardmember Does Not Recognize D71Non–receipt of Cash (ATM)
Discover
Processing
INInvalid Card Number LPLate Presentment
Fraud
UA01Fraud/Card Present Environment UA02Fraud/Card-Not-Present Environment UA05Fraud/Counterfeit Chip Transaction UA06Fraud/Chip-and-Pin Transaction UA10Request Transaction Receipt (swiped card transactions) UA11Cardholder claims fraud (swiped transaction, no signature)
Authorization
ATAuthorization Non-compliance DADeclined Authorization EXExpired Card NANo Authorization
Dispute
AACardholder Does Not Recognize APCanceled Recurring Transaction AWAltered Amount CDCredit Posted as Card Sale DPDuplicate Processing ICIllegible Sales Data NFNon-Receipt of Cash from ATM PMPaid by Other Means RGNon-Receipt of Goods or Services RMQuality Discrepancy RN2Credit Not Received NCNot Classified
JCB
Retrieval reason codes
01Sales Draft (copy) 02Sales Draft (original) 03T&E Document (copy) 04T&E Document (original) 05Substitute Draft 06Sales Draft (copy) + T&E Document (copy) 07Sales Draft (original) + T & E Document (original) 08Sales Draft (copy) + Substitute Draft 09T&E Document (copy) + Substitute Draft
Chargeback reason codes
501Non-JCB Card 502Card-Member Dispute 503Expired JCB Card 507Incorrect Transaction Amount 510Mis-Post 512Duplicate Processing 513Credit Not Received 516Non-Receipt of Requested Item 517Requested Copy Illegible 521Transaction Exceeds Floor Limit 522Authorisation Declined 523Incorrect Card Number 524Addition Error/Transaction amount differs 525Altered Amount 526No Signature 527No Imprint 534Unauthorized Multiple Transactions 536Late Submission 537No Show Dispute 538Advance Deposit 541Illegible Item 544Canceled Recurring Transaction 546Unauthorized Purchase/Fraud 547JCB Card on Stop List 554Non-Receipt of Merchandise/Cash at ATM 580Non-Receipt of T&E Documentation 581Split Sale 582Domestic Transaction 583Paid By Other Means
Mastercard
Processing
4834Point of Interaction Error 4834Transaction Amount Differs 4834Late Presentment 4834Point-of-Interaction Currency Conversion 4834Duplication/Paid by Other Means 4834ATM Disputes 4834Loss, Theft, or Damages
Fraud
4837No Cardholder Authorization 4849Questionable Merchant Activity 4870EMV Chip Liability Shift 4871EMV Chip/PIN Liability Shift
Authorization
4807Warning Bulletin File 4808Authorization-Related Chargeback 4812Account Number Not on File 4808Required Authorization Not Obtained 4808Expired Chargeback Protection Period 4808Multiple Authorization Requests 4808Cardholder-Activated Terminal (CAT) 3 Device
Dispute
4853Cardholder Dispute of a Recurring Transaction 4853Goods or Services Not Provided 4853No-Show Hotel Charge 4853Addendum Dispute 4853Credit Not Processed 4853Goods/Services not as Described or Defective 4853Digital Goods $25 or less 4853Counterfeit Goods 4853Transaction Did Not Complete 4853Credit Posted as a Purchase 4854Cardholder Dispute Not Classified Elsewhere
Other
4850Installment Billing Dispute (Participating Countries Only) 4999Domestic Chargeback Dispute (Europe Region Only)
Visa
Processing
12.1Late Presentment 12.2Incorrect Transaction Code 12.3Incorrect Transaction Currency Code 12.4Incorrect Account Number 12.5Incorrect Amount 12.6Duplicate Processing/Paid by Other Means 12.7Invalid Data
Fraud
10.1EMV Liability Shift Counterfeit Transaction Fraud 10.2EMV Liability Shift Non-Counterfeit Fraud 10.3Other Fraud-Card Present Environment 10.4Other Fraud-Card Absent Environment 10.5Visa Fraud Monitoring Program
Authorization
11.1Card Recovery Bulletin 11.2Declined Authorization 11.3No Authorization
Dispute
13.1Merchandise/Services Not Received 13.2Cancelled Recurring 13.3Not as Described or Defective Merchandise/Services 13.4Counterfeit Merchandise 13.5Misrepresentation 13.6Credit Not Processed 13.7Cancelled Merchandise/Services 13.8Original Credit Transaction Not Accepted 13.9Non-Receipt of Cash or Load Transaction Value