Chargeback reason codes

Other Fraud – Card-Absent Environment

Cardholder claims they did not authorize a card-not-present transaction (e-commerce, phone, mail order).

Merchandise/Services Not Received

Cardholder claims goods or services were never delivered.

Cancelled Recurring Transaction

Cardholder claims a recurring charge was billed after cancellation.

Not as Described or Defective Merchandise

Cardholder claims product/service materially differs from description.

Credit Not Processed

Cardholder claims a refund/credit was promised but never issued.

Cancelled Merchandise/Services

Cardholder claims to have cancelled but was still charged.

Incorrect Currency

Cardholder charged in wrong currency or incorrect amount.

EMV Liability Shift Counterfeit Fraud

Counterfeit card used at a non-EMV terminal — liability shifts to merchant.

EMV Liability Shift Non-Counterfeit Fraud

Lost/stolen chip card used at non-EMV terminal.

Other Fraud – Card-Present Environment

Cardholder disputes an in-person transaction as unauthorized.

Visa Fraud Monitoring Program

Merchant flagged in VFMP — chargeback filed on program basis, not customer complaint.

Card Recovery Bulletin

Transaction authorized on a card listed in the recovery bulletin.

Declined Authorization

Transaction processed after issuer declined authorization.

No Authorization

Transaction settled without any authorization request.

Late Presentment

Transaction deposited outside the presentment window.

Incorrect Transaction Code

Debit processed as credit or vice versa.

Incorrect Account Number

Transaction posted to wrong account.

Incorrect Amount

Deposited amount differs from authorized amount.

Duplicate Processing / Paid by Other Means

Same transaction processed twice or paid via cash/check.

Invalid Data

Transaction contained invalid or incorrect data.

Counterfeit Merchandise

Cardholder claims merchandise is counterfeit.

Misrepresentation

Merchant allegedly misrepresented terms of sale.

Original Credit Transaction Not Accepted

Cardholder refuses an OCT push-payment.

Non-Receipt of Cash / Load Transaction

Cardholder claims ATM/load funds not received.

No Cardholder Authorization

Cardholder claims they did not participate in the transaction.

Goods or Services Not Provided

Cardholder alleges non-delivery of purchased items.

Cardholder Dispute — Various

Umbrella code covering not-as-described, defective, credit-not-processed, and cancelled-recurring claims.

Cardholder Does Not Recognize

Cardholder does not recognize the transaction on their statement.

Duplicate Processing

Same transaction charged twice.

Card Not Present Fraud

Mastercard CNP fraud claim.

Cancelled Recurring Transaction

Recurring charge after cancellation.

Late Presentment

Transaction presented outside allowed window.

Currency Errors

Incorrect currency processed.

Questionable Merchant Activity

Merchant flagged by Mastercard monitoring.

Credit Posted as Purchase

Refund posted as a charge.

Services Not Rendered

Cardholder claims services not delivered.

Credit Not Processed

Promised refund not issued.

Chip Liability Shift

Counterfeit chip card processed via magstripe.

Chip/PIN Liability Shift

Lost/stolen chip card without PIN verification.

Missing Signature

Cardholder claims signature is missing or invalid on card-present transaction.

No Cardmember Authorization

Amex cardholder disputes card-not-present transaction as unauthorized.

Card Not Present

Amex fraud claim in CNP environment.

Missing Imprint

Card-present transaction without imprint.

EMV Counterfeit

Counterfeit card at non-EMV terminal.

EMV Lost/Stolen/Non-Received

Lost/stolen card at non-EMV terminal.

Credit Not Processed

Refund promised but not issued.

Goods/Services Returned or Refused

Cardholder returned merchandise; no refund.

Goods/Services Cancelled

Cardholder cancelled but was charged.

Goods/Services Not Received / Only Partially

Non-delivery or partial delivery claim.

Paid by Other Means

Cardholder claims payment made by other means.

No Show / CARDeposit

Cardholder disputes no-show / reservation charge.

Cancelled Recurring Billing

Recurring charge after cancellation.

Goods/Services Not as Described

Product materially differs from description.

Goods/Services Damaged or Defective

Cardholder claims damaged/defective delivery.

Unassigned Card Number

Transaction processed on invalid PAN.

Credit Processed as Charge

Refund posted as a charge.

Charge Processed as Credit

Charge posted as credit.

Incorrect Charge Amount

Amount charged differs from authorized.

Late Submission

Charge submitted outside presentment window.

Non-Matching Card Number

PAN on submission doesn't match auth.

Currency Discrepancy

Currency mismatch.

Vehicle Rental — Capital Damages

Disputed vehicle-damage charge.

Vehicle Rental — Theft/Loss of Use

Loss-of-use fee disputed.

Insufficient Reply

Merchant reply to Amex inquiry insufficient.

No Reply

Merchant did not respond to inquiry.

Cardholder Does Not Recognize

Discover cardholder does not recognize the transaction.

No Authorization

Transaction processed without authorization.

Fraud – Chip and PIN

Chip card processed without PIN.

Non-Receipt of Goods/Services

Cardholder did not receive purchase.

Cardholder Disputes Quality

Not as described / quality dispute.

Declined Authorization

Charged after decline.

Late Presentment

Outside presentment window.

Not Classified

Umbrella / uncategorized dispute.