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Dispute reason codes

A reference for dispute reason codes, divided by dispute event category.

Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI) and Notification of Fraud (NOF).

Select a tab to see the possible reason codes for each dispute event category, divided by scheme.

ACH Direct Debit

Reason code Reason Description
R01 Insufficient funds You can retry the transaction up to two times within 30 days of the original authorization date.
R02 Account closed Retrying the transaction is not allowed. Initiate a new transaction using an external validation service.
R03 No Account/Unable to locate account The provided account information is incorrect. Retrying the transaction is not allowed. Initiate a new transaction using an external validation service.
R04 Invalid account number The provided account number is incorrect. Retrying the transaction is not allowed. Initiate a new transaction using an external validation service.
R05 Unauthorized debit to consumer account A corporate transaction was charged to a consumer account and was disputed by the customer. Suspend any recurring payments and resolve the issue with the customer. If you are going to debit the same account for a new transaction, make sure the customer's bank stops blocking transactions from your company to this account.
R06 Returned per ODFIs request Your bank asked the customer's bank to reverse the transaction. Retrying the transaction is not allowed. Contact your bank.
R07 Authorization revoked by customer The customer informed their bank they revoked authorization for the transaction. Suspend any recurring transactions and resolve the issue with the customer. If you are going to debit the same account for a new transaction, make sure the customer's bank stops blocking transactions from your company to this account.
R08 Payment stopped or stop payment on item The customer instructed their bank to not honor a payment they previously authorized. Resolve the issue with the customer. When initiating a new transaction (using an external validation service), get new proof of authorization from the customer. If you are going to debit the same account, make sure the customer's bank stops blocking transactions from your company to this account.
R09 Uncollected funds Insufficient funds. You can retry the transaction up to two times within 30 days of the original authorization date.
R10 Customer Advises Originator is Not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receiver’s Account The customer disputed the transaction. Retrying the transaction is not allowed. Resolve the issue with the customer. If you are going to debit the same account for a new transaction, make sure the customer's bank stops blocking transactions from your company to this account.
R11 Customer Advises Entry Not in Accordance with the Terms of the Authorization The customer informed their bank that the payment is not in accordance with the authorization terms. Suspend any recurring transactions and resolve the issue with the customer. You can retry the transaction within 60 days of the original settlement date.
R12 Branch sold to another DFI The customer's account has migrated to another financial institution. Ask the customer to update their account details in your system.
R13 Invalid ACH routing number The provided routing number does not belong to any bank in the ACH network. Ask the customer for the correct routing number, or contact your bank if you are sure the number is correct.
R15 Beneficiary or account holder deceased Contact the bank of the deceased account holder or account beneficiary.
R16 Account frozen Contact your customer to obtain a different form of payment. The bank account can't be used while it is frozen. This return code should be a red flag for your business. If you see this code, do your due diligence around verifying the identity of your customer.
R17 File record edit criteria The customer's bank had a technical problem with processing the ACH transaction.
R20 Non-transaction account The provided bank account can't be used for ACH payments. Ask the customer for permission to charge a different, ACH-enabled bank account.
R29 Corporate customer advises not authorized The company you tried to charge has disputed the transaction. Retrying the transaction is not allowed. Resolve the issue with the other company. If you are going to debit the same account for a new transaction, make sure the other company's bank stops blocking transactions from your company to this account.
R31 Permissible return entry The business bank account holder or their bank has asked to reverse the transaction. Contact your bank for more information. Contact the customer to resolve the issue.
R51 Item is ineligible, notice not provided, signature not genuine To determine what to do, you need to find out the underlying reason why the payment was returned. Contact Adyen if you need help.

American Express

Based on the region in which you have set up American Express, you will receive reason codes from one of these columns:

  • Reason Code North-America: Canada and United States of America
  • Reason Code: All other countries

Fraud

Reason Code Reason Code North-America Reason Description
4540 F29 Card Not Present (fraud) The cardholder denies participation in a mail; telephone or internet-type transaction.
4763 FR2 Full recourse A cardholder is claiming that they did not authorise or participate in a transaction that you processed.
4798 F30 Fraud Liability Shift – Counterfeit A cardholder is claiming that they did not authorise or participate in a transaction that you processed.
4799 F31 Fraud Liability Shift – Lost/Stolen/Non-Received A cardholder is claiming that they did not authorise or participate in a transaction that you processed.
4534 F24 No Card Member Authorization The cardholder denies participation in the charge submitted and you have failed to provide proof that the cardholder participated in the charge.
- FR4 Placed in Immediate Chargeback Program The cardholder has disputed the charge and you have been placed in the Immediate Chargeback Program.
- FR6 Placed in the Partial Immediate Chargeback Program The cardholder has disputed the charge and you have been placed in the Partial Immediate Chargeback Program.

Authorization

Reason Code Reason Code North-America Reason Description
4521 A02 No Valid Authorization The payment could not be authorised.
- A01 Incorrect Transaction Amount Presented Charges were incorrectly submitted by using an incorrect amount.
- A08 Authorization Approval Expired The payment could not be authorised because the transaction expired.
4751 - Expired Authorization The payment could not be authorised because the transaction expired.

Processing Errors

Reason Code Reason Code North-America Reason Description
4507 P05 Incorrect Transaction Amount Presented Charges were incorrectly submitted by using an incorrect amount.
4512 - Multiple Processing A charge was incorrectly submitted more than once to the cardholders account.
- P08 Duplicate Charge The cardholder claims that a single transaction was processed more than once.
4522 - Authorization Declined An Authorization Request was declined.
4523 P01 Unassigned C/M Account Number Account number does not correspond to the account numbers the issuer has on file for this cardholder.
4525 - Transaction Amount Changed The cardholder claims that the amount they agreed to pay differs from the amount charged.
4530 - Currency Discrepancy The cardholder was advised the charge is in a currency that differs from that which they originally agreed upon.
- P23 Currency Discrepancy A cardholder claims the converted amount of charge on an international transaction is incorrect.
4536 P07 Late Presentment A charge was submitted for payment outside the timeframe.
4752 P03, P04 Credit/Debit Presentment Error When an account is posted a debit in place of a credit by mistake.
4755 - No Valid Approval Code A transaction where Authorization was required but not obtained.
4758 F22 Expired/Not Yet valid card A transaction completed with an expired card.

Consumer disputes

Reason Code Reason Code North-America Reason Description
4515 C14 Paid through Other Means The cardholder provided proof of payment by another method.
4532 - Damaged and/or Defective Goods/Services The cardholder disputes the quality of the merchandise or services.
4544 C28 Cancellation of Recurring Goods/Services services Cardholder claims that their account continues to be billed for recurring goods or services that they had previously canceled or revoked.
4554 C08 Goods and Services Not Received The cardholder claims that the goods or services that were purchased at your business have not been received.
4754 - Local Regulatory/Legal Dispute The cardholder alleges that a law or regulation was not followed.
- C02 No Credit Received A credit has not been applied to cardholders account for either: goods/services canceled; an advance deposit/ payment or a no show reservation.
- C04 Goods and Services not Received/Refused The cardholder claims that the goods or services that were purchased at your business have not been received or have been refused.
- C05 Goods Returned/Canceled The cardholder claims that the goods/services ordered were canceled.
- C31 Not as Described The goods or services received from your business were either not as described by your business or the price should be lower than that claimed by your business.
- C32 Damaged and/or Defective Goods/Services The cardholder disputes the quality of the merchandise or services.

Cartes Bancaires

Fraud

Be aware that Cartes Bancaires chargebacks with reason code 45 are not defendable.

Reason Code Reason Description
45 Fraud -Disputed transaction The cardholder is claiming that they did not authorise or participate in the processed transaction.

Diners

Fraud

Reason Code Reason Description
C46 Multiple Charges at Service Establishment Fraudulent Transaction The Card member acknowledges participating in at least one transaction but denies participating in one or more other charges at the same Service Establishment.
C41 Fraud - Card Present Transaction Card member did not authorise or participate in a card-present transaction.
C42 Fraud - Card Not Present Transaction The cardholder did not authorise or participate in a transaction conducted in a card-absent environment (such as internet, mail-order, phone-order, etc.).
C53 Fraud – Chip Card Counterfeit Transaction A cardholder is claiming that they did not authorise or participate in a transaction that you processed.
C54 Fraud – Lost or Stolen Chip and PIN Card Transaction Card member did not authorise or participate in a card-present transaction

Authorization

Reason Code Reason Description
A06 Unissued Account Number Account number does not correspond to the account numbers the issuer has on file for this cardholder.

Processing Errors

Reason Code Reason Description
A02 Authorization Processing Errors The payment could not be authorised due to errors.
B24 Late Presentation The transaction was not sent to Diners within the timeframe required.
B25 Duplicate Charge The cardholder claims that a single transaction was processed more than once.
B26 Alternate Settlement Currency Incorrect Exchange Rates A cardholder claims the converted amount of charge on an international transaction is incorrect.
B27 Incorrect Currency You sent a transaction that was processed with an incorrect currency code. Often the cardholder was not advised or did not agree that Dynamic Currency Conversion (DCC) would occur.
D61 Altered Amount The cardholder claims that the amount they agreed to pay differs from the amount charged.
D67 Cardmember Paid by Other Means The cardholder claims that they paid for the merchandise or service by other means (such as cash, check, other card, etc.).

Consumer disputes

Reason Code Reason Description
D62 Non-Receipt of Goods or Services The cardholder claims that the goods or services that were purchased at your business have not been received.
D66 Credit not Processed A credit has not been applied to cardholders account for either: goods/services canceled; an advance deposit/ payment or a no show reservation.
D69 Canceled Recurring Transactions The cardholder claims that their account continues to be billed for recurring goods or services that they had previously canceled or revoked.
D70 Cardmember Does Not Recognize The cardholder claims that they do not recognize the transaction and states that they did not authorise the charge to their credit card.

Discover

Fraud

Reason Code Reason Description
4752 Does not Recognize The cardholder claims that they do not recognize the transaction and states that they did not authorise the charge to their credit card.
4866 Fraud Chip Card Counterfeit Transaction A cardholder is claiming that they did not authorise or participate in a transaction that you processed.
4867 Fraud Chip Card and PIN Transaction A cardholder is claiming that they did not authorise or participate in a transaction that you processed.
7010 Fraud Card Present Transaction A cardholder is claiming that they did not authorise or participate in a key-entered or unattended transaction conducted in a card-present environment.
7030 Fraud Card Not Present Transaction The cardholder did not authorise or participate in a transaction conducted in a card-absent environment (such as internet, mail-order, phone-order, etc.).

Authorization

Reason Code Reason Description
4753 Invalid Cardholder Number Account number does not correspond to the account numbers the issuer has on file for this cardholder.

Processing Errors

Reason Code Reason Description
4534 Duplicate Processing  The cardholder claims that a single transaction was processed more than once.
4542 Late Presentation The transaction was not sent to Discover within the timeframe required.
4550 Credit/ Debit Posted Incorrectly  When an account received a debit in place of a credit by mistake.
4586 Altered Amount The cardholder claims that the amount they agreed to pay differs from the amount charged.
4865 Paid by Other Means  The cardholder claims that they paid for the merchandise or service by other means (such as cash, check, other card, etc.).

Consumer disputes

Reason Code Reason Description
4755 Non-Receipt of Goods or Services  The cardholder claims that the goods or services that were purchased at your business have not been received.
4553 Cardholder Disputes Quality of Goods or Services The cardholder disputes the quality of the merchandise or services.
4541 Recurring Payment Cardholder claims that their account continues to be billed for recurring goods or services that they had previously canceled or revoked.
8002 Credit Not Processed  A credit has not been applied to the cardholder's account for either: goods/services canceled; an advance deposit/ payment or a no show reservation.

ELO

Fraud

Reason Code Reason Description
75 Cardholder does not Recognize The cardholder states that neither they, nor anyone authorised by them, engaged in the transaction.
83 Card Absent Fraud Cardholder did not authorise or participate in a transaction conducted in a card-absent environment (such as internet, mail-order, phone-order, etc.).

Consumer disputes

Reason Code Reason Description
30 Services Not Rendered The cardholder claims that the goods or services that were purchased at your business have not been received.
41 Cardholder Canceled Recurring Transaction The cardholder claims that their account continues to be billed for recurring goods or services that they had previously canceled or revoked.
53 Defective Merchandise/Goods Not As Described The cardholder claims the goods were not as described or disputes the quality of the merchandise or services.

Processing Errors

Reason Code Reason Description
74 Late Presentment The transaction was not sent to ELO within the timeframe required.
77 Non Matching Account Number Account number does not correspond to the account numbers the issuer has on file for this cardholder.
80 Processing Error A error was made when processing the transaction on the terminal.
82 Duplicate Processing The cardholder claims that a single transaction was processed more than once.
85 Credit Not Processed A credit has not been applied to the cardholders account for either: goods/services canceled; an advance deposit/ payment or a no show reservation.

JCB

Fraud

Reason Code Reason Description
534 Unauthorized Multiple Transaction This chargeback occurs when two or more transactions take place at one location, and the cardholder claims they only authorised or participated in one.
546 Unauthorized Purchase The cardholder did not authorise or participate in the transaction.
526 No Signature Signature is missing from the Sales Draft you sent to Adyen.
527 No Imprint Sales Draft does not contain a JCB Card imprint or the Transaction data read from the magnetic stripe or IC chip of the JCB Card.

Authorization

Reason Code Reason Description
517 Requested Copy Illegible This chargeback occurs when the Issuer of an account requests a copy of a transaction receipt on behalf of the cardholder, and a legible copy of the draft requested was not received.
522 Authorization Declined An Authorization Request was declined.
523 Incorrect Card number Account number does not correspond to the account numbers the issuer has on file for this cardholder.
503 Expired JCB Card A transaction completed with an expired card.
547 Card on Stop List This chargeback occurs when the JCB card presented for payment was listed on a Stop List that was effective at the time of sale.

Processing Errors

Reason Code Reason Description
507 Incorrect Transaction Amount The cardholder claims that the amount they agreed to pay differs from the amount charged.
510 Mispost When an account is posted a debit in place of a credit by mistake.
512 Duplicate Processing The cardholder claims that a single transaction was processed more than once.
524 Addition Error The Cardholder's copy of the sales draft or other transaction record shows an error in addition which causes the total amount to be incorrect.
525 Altered Amount The cardholder claims that the amount they agreed to pay differs from the amount charged.
536 Late Submission The transaction was not sent to JCB within the timeframe required.
541 Illegible Item This chargeback occurs when the Issuer of an account requests a copy of a transaction receipt on behalf of the cardholder, and a legible copy of the draft requested was not received.
581 Split Sale This chargeback occurs when a transaction requiring an authorization decision was split into two or more card sales to avoid authorization, and had the whole sale been submitted for authorization, it would have been declined.
583 Paid by Other Means The cardholder claims that they paid for the merchandise or service by other means (such as cash, check, other card, etc.).

Consumer disputes

Reason Code Reason Description
502 Cardmember Dispute The cardholder claims that the goods or services that were purchased at your business have not been received.
513 Credit Not Received A credit has not been applied to the cardholders account for either: goods/services canceled; an advance deposit/ payment or a no show reservation.
516 Non-Receipt of Requested Item The cardholder claims that the goods or services that were purchased at your business have not been received.
544 Canceled Recurring Transaction The cardholder claims that their account continues to be billed for recurring goods or services that they had previously canceled or revoked.
554 Non-Receipt of Merchandise/Non-Receipt of Cash at ATM This chargeback occurs when the cardholder does not receive merchandise at the agreed location.
537 No show dispute The cardholder claims they were not properly informed of the No-Show or cancellation policy at the time of the reservation.
538 Advance Deposit The cardholder claims they were not properly informed of the cancellation policy at the time of the reservation.

Mastercard

Fraud

Reason Code Reason Description
4837 No Cardholder Authorization The cardholder states that they, nor anyone authorised by them, engaged in the transaction.
4840 Fraudulent Processing of Transactions The cardholder claims that a fraudulent purchase was made while the card was in the cardholder's possession at the time of the transaction.
4849 Questionable merchant activity The acquirer processed a transaction that was later was listed in a Mastercard Global Security Bulletin for violating GMAP, QMAP, or reported to SAFE.
4863 Cardholder does not recognize – Potential Fraud The cardholder claims that they do not recognize the transaction and states that they did not authorise the charge to their credit card.
4870 Chip Liability Shift The cardholder claims they were in possession of a valid card on the date of transaction but they did not authorise or participate in the transaction.
4871 Chip/PIN Liability Shift The cardholder claims they were not in possession of a valid card on the date of transaction and they did not authorise or participate in the transaction.
4999 Domestic Chargeback Dispute (Europe region only) The issuer can supply this message for a domestic chargeback that doesn't meet another chargeback categorization.

Authorization

Reason Code Reason Description
4835 Card Not Valid or Expired A transaction completed with an expired card.
4807 Warning Bulletin File The payment could not be authorised.
4808 Requested /Required Authorization not obtained The payment could not be authorised.
4812 Account Number Not on File Account number does not correspond to the account numbers the issuer has on file for this cardholder.

Processing Errors

Following the Mastercard dispute guidelines, processing error chargebacks are filed under reason code 4834 - Point of Interaction Error. This reason code covers the following scenarios:

Reason Code Description
4834 The cardholder paid twice for the same transaction using two different forms of payment
4834 The cardholder's account has been debited more than once for the same transaction using the same form of payment
4834 The cardholder was billed an incorrect amount
4834 Cash was not properly dispensed by an ATM
4834 The cardholder's account has been debited more than once for the same ATM transaction
4834 The cardholder was billed for loss, theft, or damage in the same transaction as the underlying initial service
4834 A dispute regarding Point of Interaction Currency Conversion (Dynamic Currency Conversion)
4834 The cardholder was billed an unreasonable amount (intra-EEA Transactions, domestic transactions in EEA countries, transactions between an EEA country and Gibraltar or the UK, Gibraltar domestic transactions, and UK domestic transactions)
4834 The cardholder paid an improper merchant surcharge (intra-European and inter-European transactions only)
4834 The merchant processed a credit (instead of a reversal) to correct an error which resulted in the cardholder experiencing a currency exchange loss
4834 The acquirer presented a transaction past the applicable time frame

The following reason codes can still be used, but will disappear in the future:

Reason Code Reason Description
4831 Transaction amount differs The cardholder claims that the amount they agreed to pay differs from the amount charged.
4842 Late Presentment The transaction was not sent to Mastercard within the timeframe required.
4846 Correct Transaction Currency Code not provided A cardholder claims the converted amount of charge on an international transaction is incorrect.
4850 Credit Posted as a Purchase When an account is posted a debit in place of a credit by mistake.

Consumer disputes

Following the Mastercard dispute guidelines, consumer dispute chargebacks are filed under reason code 4853 - Cardholder Dispute. This reason code covers the following scenarios:

Reason Code Description
4853 Services not provided/Merchandise not received.
4853 Canceled recurring transaction.
4853 Goods not as described/defective.
4853 Counterfeit merchandise.
4853 Credit not processed.
4853 Addendum dispute or “no-show” hotel charge was billed.
4853 Purchase transaction did not complete.
4853 Credit posted as a purchase.

The following reason codes can still be used, but will disappear in the future:

Reason Code Reason Description
4841 Cancelled Recurring Transaction A recurring transaction was processed after it was canceled or that the cardholder's account was closed.
4854 Not Elsewhere Classified (U.S. region only) The cardholder claims they are unhappy with the goods or services provided and that they have been unable to resolve the situation.
4855 Non receipt of merchandise The cardholder claims that merchandise or services that they ordered were not received or that the cardholder canceled the order as the result of not receiving the merchandise or services by the expected delivery date (or merchandise was unavailable for pick-up).
4860 Credit not Processed The cardholder's bank received a notice from the cardholder claiming that they received a credit or voided transaction receipt that has not been processed.
6305 Cardholder does not agree with amount billed The cardholder claims that the amount they agreed to pay differs from the amount charged.

Mexico domestic

Fraud

Reason Code Reason Description
63A CHIP (EMV) - No EMV and not recognized by the Cardholder The cardholder is claiming that they did not authorize or participate in a transaction that you processed. The terminal was not EMV compliant.
63B CHIP (EMV) - No EMV values The transaction was not authenticated by the EMV process.
63C CHIP (EMV) - EMV & not authorized by the Cardholder The transaction was authenticated, however, the cardholder did not authorize.
63D CHIP (EMV) - EMV & PIN - not authorized by the Cardholder The transaction was authenticated but the PIN code was not authorized. When the cardholder entered the pin, it was declined.
68A / 68B / 68C / 68D Fraudulent telephone/mail/internet transaction - not recognized by the Cardholder The cardholder claims that they did not authorize or participate in a transaction that you processed.
89A Signature not authorized The signature did not match and the transaction was not authorized by the cardholder.

Potential Fraud

Reason Code Reason Description
57A / 57C Unauthorized Transaction Multiple transactions were not authorized by the cardholder - In-person payments only.
57B Unauthorized Transaction Multiple transactions were not authorized by the cardholder - Ecommerce, not applicable for 3D Secure.
57D Unauthorized Transaction Multiple transactions were not authorized by the cardholder - Manual transaction.
75A / 75B False authorization The acquirer sent a false authorization code.
76A / 76C Highway Tolls - Cardholder does not recognize Multiple transactions were processed in less than five minutes. The cardholder recognizes the first few transactions, but does not recognize one or more of the subsequent transactions.
76B / 76D Highway Tolls - Cardholder does not recognize The cardholder does not recognize one or more than one transactions.
86A / 86B Alterated amount The receipt was altered without the consent of the cardholder.
87A Pre-elaborated receipt The transaction was not authorized by the cardholder.

Processing Errors

Reason Code Reason Description
57E Unauthorized Transaction Single or multiple transactions were not authorized by the cardholder - PIN entered.
74A / 74C Late Presentment - Out of Time The transaction was not processed within the required timeframe.
74B Late Presentment - Debit Card Cancelled The transaction was not processed within 9 to 30 days and the card was canceled or suspended by a court order.
74D Late Presentment - Billing Process The transaction was processed after a retry and the cardholder made a complaint to the issuer.
77A Invalid Account Number The transaction was processed with an invalid card number.
80A Error in Process - Incorrect Account The transaction was processed with a wrong card number and data.
80B Error in process- Credit as a Purchase A credit transaction was processed as debit.
80C Error in process- Wrong Documentation Support An error was made when processing the transaction.
81A Lack of Receipt The receipt was printed without the card number and no authorization.
82A / 82C Duplicated Process - Same Acquirer The transaction was processed by the same acquirer on different dates.
82B / 82D Duplicated Process - Different Acquirer The transaction was processed more than one time by different acquirers. The second acquirer will receive the chargeback.
82E Duplicated Process - Same Acquirer Same Day The transaction was processed by the same acquirer on the same day.
82F Duplicated Process - Same Acquirer The transaction was processed by the same acquirer.
82G Duplicated Process - Same Documentation Support The acquirer sent the same documentation for two or more Requests for Information.
88A Partial Transaction Two or more transactions were processed which were within the threshold when considered as individual transactions, but together they exceeded the limit.
94A / 94E Guaranteed reservation cancelled, late charges and/or paid by other methods The cardholder was charged after the cancellation was made.
94B / 94F Guaranteed reservation cancelled, late charges and/or paid by other methods The cardholder did not request or authorize the reservation.
94C Guaranteed reservation cancelled, late charges and/or paid by other methods The cardholder used the services but it was charged a no-show.
94D Guaranteed reservation cancelled, late charges and/or paid by other methods The cardholder used the services or products and payed the bill by other methods.
94G Guaranteed reservation cancelled, late charges and/or paid by other methods The cardholder used the services but it was charged a no-show.
94H Guaranteed reservation cancelled, late charges and/or paid by other methods The cardholder used the services or products and payed the bill by other methods.
94I Guaranteed reservation cancelled, late charges and/or paid by other methods The cardholder complained because the transaction took too long to be processed.
95A Deposit in advance The cardholder was charged for a deposit in advance when they canceled the reservation.
95B Deposit in advance The cardholder was charged for a deposit in advance but they used partial services.
95C Deposit in advance The cardholder was charged for a deposit in advance but was not informed about the cancellation policy.
95D Deposit in advance The cardholder was charged for a deposit in advance without an authorization.

Invalid Transaction

Reason Code Reason Description
64A / 64B Manual Transaction in electronic terminal - Invalid data (Card not present) The card was never swiped. The card number was manually typed onto the terminal.
71A / 71B Authorization declined - forced transaction The transaction was processed after the authorization was declined.
72A / 72C Transaction that exceeds the authorized amount The transaction was processed with a higher amount than approved by the issuer.
72B / 72D Transaction without authorization The transaction was not authorized.
73A / 73B Expired card - Without authorization The payment could not be authorized.

Consumer disputes

Reason Code Reason Description
41A / 41G Recurring payment Cancelled or not requested The recurring payment was canceled or requested without an authorization from the cardholder or without any service contract.
41B / 41H Recurring payment Cancelled or not requested The charge continued after the payment was canceled.
41C / 41I Recurring payment Cancelled or not requested There was no contract or the renewal was unauthorized.
41D Recurring payment Cancelled or not requested The transaction was processed without any recurrent payment indicator.
41E Recurring payment Cancelled or not requested The TAG transaction, a system which automatically collects the toll, was not recognized.
41F Recurring payment Cancelled or not requested The cardholder is without a TAG contract, a system that automatically collects the toll.
84A Missing signature and/or signature on file - Travel Agency The transaction was not authorized by the cardholder.
84B Missing signature and/or signature on file - without cardholder authorization The transaction was without a signature and not authorized by the cardholder.
84C Missing signature and/or signature on file - COF The transaction was without a signature.
84D Missing signature and/or signature on file - Travel Agency The transaction was with a signature but without an authorization (wrong signature).
84E Missing signature and/or signature on file - without cardholder authorization The documentation was completed without a signature and not authorized.
84F Missing signature and/or signature on file - QPS The documentation was sent with the description "Authorized without signature".
85A Refund not processed/failed sale The refund was not done within the agreed 10 days time limit.
85B Refund not processed/failed sale The refund was not processed.

Other - Mostly common for POS related disputes

Reason Code Reason Description
60A Original or copy received illegible, with incomplete data or does not correspond - Illegible Original or copy of the receipt cannot be read, with incomplete data.
60B Original or copy received illegible, with incomplete data or does not correspond - Missing data Original or copy of the receipt is missing data.
60C Original or copy received illegible, with incomplete data or does not correspond - Invalid documentation support Original or copy of the receipt cannot be read, with incomplete data or does not correspond.

SEPA

Reason Code Reason Description
AC01 Incorrect Account Number Format of the account number specified is not correct.
AC04 Closed Account Number Holder has closed the account.
AC06 Blocked Account Account specified is blocked.
AM04 Insufficient Funds Insufficient funds.
DNOR Debtor bank is not registered Debtor bank is not registered.
MD01 No Mandate Invalid mandate.
MD06 Refund Request By End Customer Refund request by end customer.
MS02 Not Specified Reason Customer Generated Refusal by the Debtor.
MS03 Not Specified Reason Agent Generated This code can replace other reason codes (AC04 and AM04 amongst others) in certain countries for data protection purposes.
SL01 Specific Service offered by Debtor Agent Bank is blocking any Direct Debit which is not pre-approved by the bank account holder.

UnionPay (CUP)

Fraud

Reason Code Reason Description
4515 Cardholder Denies the Transaction The cardholder states that neither they, nor anyone authorised by them, engaged in the transaction.
4514 Fraudulent Multiple Transactions This chargeback occurs when two or more transactions take place at one location, and thecardholder claims they only authorised or participated in one.
4562 Counterfeit Card A cardholder is claiming that they did not authorise or participate in a transaction that you processed.

Processing Errors

Reason Code Reason Description
4507 Cardholder Dispute- Transaction Amount Differs The cardholder claims that the amount they agreed to pay differs from the amount charged.
4508 Exceeds Limited or Authorised Amount Chargeback amount is equal to or less than the exceeded limited /authorised amount.
4512 Duplicate Processing The cardholder claims that a single transaction was processed more than once.
4522 Declined Authorization An Authorization Request was declined.
4536 Late Presentment The transaction was not sent to CUP within the timeframe required.
4806 Paid by Other Means The cardholder claims that they paid for the merchandise or service by other means (such as cash, check, other card, etc.).

Consumer disputes

Reason Code Reason Description
4502 Transaction was Settled but Cash/Goods/Services were not Received The cardholder claims that the goods or services that were purchased at your business have not been received.
4532 Refund Not Processed A credit has not been applied to the cardholders account for either: goods/services canceled; an advance deposit/ payment or a no show reservation.
4544 Canceled Transaction  The cardholder's bank received a notice from the cardholder stating that they returned merchandise or canceled services, but the credit has not appeared.

Visa

Fraud

Reason Code Reason Description
10.1 EMV Liability Shift Counterfeit Fraud The cardholder is claiming that they did not authorise or participate in a transaction that you processed. The terminal was not EMV compliant.
10.2 EMV Liability Shift Non-Counterfeit Fraud The cardholder is claiming that they did not authorise or participate in a transaction that you processed. The terminal was not EMV compliant.
10.3 Other Fraud-Card Present Environment The cardholder is claiming that they did not authorise or participate in a key-entered or unattended transaction conducted in a card-present environment.
10.4 Other Fraud-Card Absent Environment The cardholder did not authorise or participate in a transaction conducted in a card-absent environment (such as internet, mail-order, phone-order, etc.).
From mid April 2023, Visa will enforce the Visa Compelling Evidence 3.0 standard that has specific defense requirements for chargebacks with this reason code.
10.5 Visa Fraud Monitoring Program Visa notified the cardholder's bank that the Visa Fraud Monitoring Program (VFMP) identified the transaction and the cardholder's bank has not successfully disputed the transaction under another dispute condition.

Authorization

Reason Code Reason Description
11.1 Card Recovery Bulletin The transaction was below the your floor limit and was not authorised.
11.2 Declined Authorization An Authorization Request was declined.
11.3 No Authorization The payment could not be authorised.

Processing Errors

Reason Code Reason Description
12.1 Late Presentment The transaction was not sent to Visa within the timeframe required.
12.2 Incorrect Transaction Code A cardholder claims the converted amount of charge on an international transaction is incorrect.
12.3 Incorrect Currency You sent a transaction that was processed with an incorrect currency code. Often the cardholder was not advised or did not agree that Dynamic Currency Conversion (DCC) would occur.
12.4 Incorrect Account Number You either processed the transaction to an incorrect account number or did not authorise the transaction and it was processed to an account number not on the issuer's master file.
12.5 Incorrect Amount The cardholder claims that the amount they agreed to pay differs from the amount charged.
12.6 Duplicate Processing/Paid by Other Means The cardholder claims that a single transaction was processed more than once or the cardholder claims that they paid for the merchandise or service by other means (such as cash, check, other card, etc.).
12.7 Invalid Data An authorization was obtained using invalid or incorrect data.

Consumer disputes

Reason Code Reason Description
13.1 Merchandise/Services Not Received The cardholder claims that merchandise or services that they ordered were not received or that the cardholder canceled the order as the result of not receiving the merchandise or services by the expected delivery date (or merchandise was unavailable for pick-up).
13.2 Canceled Recurring A recurring transaction was processed after it was canceled or that the cardholder's account was closed.
13.3 Not as Described or Defective Merchandise/Services The cardholder claims the goods were not as described or disputes the quality of the merchandise or services.
13.4 Counterfeit Merchandise The merchandise was identified as counterfeit by a third party.
13.5 Misrepresentation The cardholder's bank received a notice from the cardholder claiming that the terms of the sale were misrepresented.
13.6 Credit not Processed The cardholder's bank received a notice from the cardholder claiming that they received a credit or voided transaction receipt that has not been processed.
13.7 Canceled Merchandise/Services The cardholder's bank received a notice from the cardholder stating that they returned merchandise or canceled services, but the credit has not appeared on the cardholder's Visa statement.
13.8 Original Credit Transaction Not Accepted The original credit was not accepted.

See also