Each chargeback is disputed by a specific reason code. These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute.
The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction.
Chargeback Reason Codes
While every card system has its own particular exceptional arrangement of chargeback reason codes, the categories are fundamentally very similar. By taking a gander at the relating codes for Visa, MasterCard, Discover & Amex, merchants can start distinguishing patterns, shortcomings, and ranges of change.
| Card Type | Reason Code | Reason Text | Chargeback Category | Preventable | Reversible |
|---|---|---|---|---|---|
| DISCOVER | 4534 | DP-Duplicate Processing | Processing Error | NO | NO |
| DISCOVER | 4540 | OA-Unauthorized Purchase | Cancelled/Returned by Cardholder | NO | YES |
| DISCOVER | 4541 | AP-Automatic Payment | Cancelled/Returned by Cardholder | NO | YES |
| DISCOVER | 4550 | CD-Credit Posted as a Debit | Processing Error | NO | YES |
| DISCOVER | 4553 | RM-Quality of Goods or Services | Cancelled/Returned by Cardholder | NO | YES |
| DISCOVER | 4554 | NC-Not Classified | Other | NO | YES |
| DISCOVER | 4555 | RN-Additional Request/ Non-Receipt of Credit | Request for Information | YES | YES |
| DISCOVER | 4586 | AW-Altered Amount | Processing Error | YES | YES |
| DISCOVER | 4594 | CR-Cancelled Reservation | Fraud | NO | YES |
| DISCOVER | 4751 | CA-Cash Advance Deposit | Other | YES | NO |
| DISCOVER | 4752 | DA-Declined Authorization | Authorization Error | YES | YES |
| DISCOVER | 4753 | Invalid Cardholder number | Authorization Error | YES | YES |
| DISCOVER | 4754 | No Authorization | Authorization Error | YES | YES |
| DISCOVER | 4755 | Non-Receipt of Goods or Services | Non-Receipt of Goods or Services | NO | YES |
| DISCOVER | 4756 | SV-Stored Value Dispute | Cancelled/Returned by Cardholder | NO | YES |
| Card Type | Reason Code | Reason Text | Chargeback Category | Preventable | Reversible |
| MASTERCARD | 4803 | Documentation received was invalid/incomplete | Request for Information | YES | YES |
| MASTERCARD | 4804 | Duplicate Processing | Processing Error | NO | YES |
| MASTERCARD | 4807 | Warning Bulletin File | Authorization Error | YES | NO |
| MASTERCARD | 4808 | Requested/Required Authorization Not Obtained | Authorization Error | YES | YES |
| MASTERCARD | 4812 | Account Number Not on File | Authorization Error | YES | YES |
| MASTERCARD | 4831 | Transaction Amount Differs | Processing Error | NO | YES |
| MASTERCARD | 4834 | Duplicate Processing | Processing Error | NO | YES |
| MASTERCARD | 4835 | Card Not Valid or Expired | Authorization Error | YES | YES |
| MASTERCARD | 4837 | No Cardholder Authorization | Fraud | NO | YES |
| MASTERCARD | 4840 | Fraudulent Processing of Transactions | Fraud | NO | YES |
| MASTERCARD | 4841 | Cancelled Recurring Transaction | Cancelled/Returned by Cardholder | NO | YES |
| MASTERCARD | 4842 | Late Presentment | Processing Error | YES | NO |
| MASTERCARD | 4846 | Correct Transaction Currency Code Not Provided | Processing Error | NO | NO |
| MASTERCARD | 4847 | Unauthorized transaction exceed floor limit | Processing Error | YES | NO |
| MASTERCARD | 4849 | Questionable Merchant Activity | Fraud | YES | NO |
| MASTERCARD | 4850 | Credit Posted as a Purchase | Processing Error | NO | YES |
| MASTERCARD | 4853 | Cardholder Dispute – Defective/Not as Described | Cancelled/Returned by Cardholder | NO | YES |
| MASTERCARD | 4854 | Cardholder Dispute – Not Elsewhere Classified | Processing Error | NO | YES |
| MASTERCARD | 4855 | Non-Receipt of Merchandise | Non-Receipt of Goods or Services | NO | YES |
| MASTERCARD | 4857 | Card-Activated Telephone Transaction | Fraud | NO | YES |
| MASTERCARD | 4859 | Services Not Rendered | Non-Receipt of Goods or Services | NO | YES |
| MASTERCARD | 4860 | Credit Not Processed | Cancelled/Returned by Cardholder | NO | YES |
| MASTERCARD | 4862 | Counterfeit Transaction Magnetic Stripe POS Fraud | Fraud | NO | YES |
| MASTERCARD | 4863 | Cardholder does not recognize- Possible Fraud | Request for Information | NO | YES |
| MASTERCARD | 4903 | Documentation received was invalid/incomplete | Other | YES | YES |
| MASTERCARD | 4905 | Invalid Acquirer’s Reference Data; Documentation Not Received or Not Required | Other | NO | YES |
| MASTERCARD | 4908 | Invalid Acquirer’s Reference Data; Documentation Received | Other | NO | YES |
| Card Type | Reason Code | Reason Text | Chargeback Category | Preventable | Reversible |
| VISA | 41 | Canceled Recurring Transaction | Cancelled/Returned by Cardholder | NO | YES |
| VISA | 53 | Not as Described or Defective Merchandise | Cancelled/Returned by Cardholder | NO | YES |
| VISA | 57 | Fraudulent Multiple Transactions | Fraud | NO | YES |
| VISA | 60 | Requested Copy Illegible or Invalid | Request for Information | YES | YES |
| VISA | 62 | Counterfeit Transaction | Fraud | NO | YES |
| VISA | 71 | Declined Authorization | Authorization Error | YES | YES |
| VISA | 72 | No Authorization | Authorization Error | YES | YES |
| VISA | 73 | Expired Card | Authorization Error | YES | YES |
| VISA | 74 | Late Presentment | Processing Error | YES | YES |
| VISA | 75 | Transaction Not Recognized | Request for Information | NO | YES |
| VISA | 76 | Incorrect Currency or Transaction Code or Dom Proc Violation | Processing Error | NO | YES |
| VISA | 77 | Non-Matching Account Number | Authorization Error | YES | YES |
| VISA | 78 | Service Code Violation | Processing Error | YES | YES |
| VISA | 79 | Requested Transaction Receipt Not Received | Request for Information | YES | NO |
| VISA | 80 | Incorrect Transaction Amount or Account Number | Processing Error | YES | YES |
| VISA | 81 | Fraud-Card Present Environment | Fraud | NO | YES |
| VISA | 83 | Fraud-Card Absent Environment | Fraud | NO | YES |
| VISA | 85 | Credit Not Processed | Cancelled/Returned by Cardholder | NO | YES |
| VISA | 86 | Paid by Other Means | Processing Error | NO | YES |
| VISA | 90 | Non-Receipt of Cash or Load | Non-Receipt of Goods or Services | NO | YES |
| VISA | 93 | Risk Identification Services | Fraud | NO | NO |
| VISA | 96 | Transaction Exceed Amount | Processing Error | YES | YES |
| VISA | 97 | Pre-Arbitration/Arbitration | Other | NO | YES |
| VISA | 98 | Good Faith Collection | Other | NO | YES |
| VISA | 99 | Pre-Compliance | Other | NO | YES |
| Card Type | Reason Code | Reason Text | Chargeback Category | Preventable | Reversible |
| AMEX | CO2 | Credit not Processed | Cancelled/Returned by Cardholder | YES | YES |
| AMEX | FR2 | Fraudulent Transaction | Fraud | NO | NO |
| AMEX | PO8 | Paid By Other Means | Processing Error | NO | YES |
| AMEX | P17 | Debit Adjustment | Request for Information | YES | NO |
| AMEX | R01 | Non Receipt of Merchandise | Non-Receipt of Goods or Services | NO | YES |
| AMEX | R03 | Fraudulent Transaction | Request for Information | YES | YES |
| AMEX ` | R04 | Not as Described or Defective Merchandise | Cancelled/Returned by Cardholder | YES | YES |
| AMEX | R13 | Requested Transaction Information Not Received | Request for Information | YES | NO |
| AMEX | MO1 | Merchant Accepted Chargeback | Request for Information | NO | NO |
| AMEX | M04 | Merchant Accepted Chargeback |
Cancelled/Returned by Cardholder | NO | NO |
| AMEX | R14 | Requested Transaction Information Not Received | Request for Information | NO | NO |
| AMEX | R17 | Non Dispute Adjustment | Request for Information | YES | NO |
| AMEX | S01 | Non Dispute Adjustment | Request for Information | NO | NO |
| AMEX | R12 | Notification | Request for Information | YES | NO |
| AMEX | R21 | Non Dispute Adjustment | Request for Information | YES | NO |
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