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  Documentation

Dispute reason codes

A reference for dispute reason code, divided by issuer.


Below you will find all the dispute reason codes divided by scheme/issuer and category. 

Visa

Fraud

Reason Code Reason Description
10.1 EMV Liability Shift Counterfeit Fraud The cardholder is claiming that they did not authorize 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 authorize 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 authorize 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 authorize or participate in a transaction conducted in a card-absent environment (i.e., internet, mail-order, phone-order, etc.).
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 merchant's floor limit and the merchant did not obtain authorization.
11.2 Declined Authorization An Authorization Request received a Decline Response and the merchant completed the transaction.
11.3 No Authorization Correct and valid authorization was not obtained by the merchant.

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 authorize 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 (i.e. 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 cancelled 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 Cancelled Recurring A recurring transaction was processed after it was cancelled 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 Cancelled Merchandise/Services The cardholder’s bank received a notice from the cardholder stating that they returned merchandise or
cancelled 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

Mastercard

Fraud

Reason Code Reason Description
4837 No Cardholder Authorization The cardholder states that neither he, she, nor anyone authorized by him or her 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 for a merchant that 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 authorize 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 or they did not authorize or participate in the transaction. 
4871 Chip/PIN Liability Shift The cardholder claims they were in possession of a valid card on the date of transaction or they did not authorize or participate in the transaction. 
6321 Cardholder does not recognize The cardholder claims that they do not recognize the transaction and states that they did not authorize the charge to their credit card.

Authorization

Reason Code Reason Description
4835 Card Not Valid or Expired A transaction completed with an expired card.
4807 Warning Bulletin File Correct and valid authorization was not obtained by the merchant.
4808 Requested /Required Authorization not obtained Correct and valid authorization was not obtained by the merchant.
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

Reason Code Reason Description
4831 Transaction amount differs The cardholder claims that the amount they agreed to pay differs from the amount charged.
4834 Duplicate Processing The cardholder claims that a single transaction was processed more than once.
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

Reason Code Reason Description
4841 Cancelled Recurring Transaction A recurring transaction was processed after it was cancelled or that the cardholder’s account was closed.
4853 Cardholder dispute The cardholder contacted their issuer to dispute a purchase. This can be for a variety of reasons, such as non-receipt or damaged/defective merchandise.
4853 Defective/Not as described The cardholder claims the goods were not as described or disputes the quality of the merchandise or services.
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 with the merchant.
4855 Non receipt of merchandise The cardholder claims that merchandise or services that they ordered were not received or that the
cardholder cancelled 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 claims that they have received a credit.
6305 Card holder does not agree with amount billed The cardholder claims that the amount they agreed to pay differs from the amount charged.

Amex

Fraud

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

Authorization

Reason Code Reason Description
A01 Incorrect Transaction Amount Presented Charges were incorrectly submitted by using an incorrect amount.
A02 No Valid Authorization Correct and valid authorization was not obtained by the merchant.
A08 Expired Authorization Correct and valid authorization was not obtained by the merchant.
4507 Incorrect Transaction Amount Presented Charges were incorrectly submitted by using an incorrect amount.
4751 Expired Authorization Correct and valid authorization was not obtained by the merchant.
F22 Expired/Not Yet valid card A transaction completed with an expired card.

Processing Errors

Reason Code Reason Description
4512 Multiple Processing A charge was incorrectly submitted more than once to the cardholders account.
4521 No Valid Authorization Correct and valid authorization was not obtained by the merchant.
4522 Authorization Declined An Authorization Request received a Decline Response and the merchant completed the transaction.
4523 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.
4536 Late Presentment A charge was submitted for payment outside the timeframe.
4752 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 Expired/Not Yet valid card A transaction completed with an expired card. 
P08 Duplicate Charge The cardholder claims that a single transaction was processed more than once.
P23 Currency Discrepancy A cardholder claims the converted amount of charge on an international transaction is incorrect.

Consumer disputes

Reason Code Reason Description
4532 Damaged and/or Defective Goods/Services The cardholder disputes the quality of the merchandise or services.
4544 Cancellation of Recurring Goods/Services services Cardholder claims that their account continues to be billed for recurring goods or services that they had previously cancelled or revoked
4554 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 cancelled; 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.
C08 Goods and Services Not Received The cardholder claims that the goods or services that were purchased at your business have not been received.
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 cancelled or revoked
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.

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 authorize or participate in a card-present transaction.
C42 Fraud - Card Not Present Transaction The cardholder did not authorize or participate in a transaction conducted in a card-absent environment (i.e., internet, mail-order, phone-order, etc.).
C53 Fraud – Chip Card Counterfeit Transaction A cardholder is claiming that they did not authorize or participate in a transaction that you processed
C54 Fraud – Lost or Stolen Chip and PIN Card Transaction Card member did not authorize or participate in a card-present transaction
D70 Cardmember Does Not Recognize The cardholder claims that they do not recognize the transaction and states that they did not authorize the charge to their credit card.

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 Correct and valid authorization was not obtained by the merchant.
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 (i.e. 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 cancelled; 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 cancelled or revoked.

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 authorize the charge to their credit card.
4866 Fraud Chip Card Counterfeit Transaction A cardholder is claiming that they did not authorize or participate in a transaction that you processed.
4867 Fraud Chip Card and PIN Transaction A cardholder is claiming that they did not authorize or participate in a transaction that you processed.
7010 Fraud Card Present Transaction A cardholder is claiming that they did not authorize 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 authorize or participate in a transaction conducted in a card-absent environment (i.e., 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 (i.e. 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 cancelled or revoked.
8002 Credit Not Processed  A credit has not been applied to tcardholders account for either: goods/services cancelled; 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 authorized or participated in one.
546 Unauthorized Purchase The cardholder did not authorize or participate in the transaction.
526 No Signature Signature is missing from the Sales Draft obtained from Merchant.
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 received a Decline Response and the merchant completed the transaction.
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 (i.e. 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 cancelled; 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 cancelled 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 he was not properly informed of the No-Show or cancellation policy at the time of the reservation.
538 Advance Deposit The cardholder claims he was not properly informed of the cancellation policy at the time of the reservation.

CUP

Fraud

Reason Code Reason Description
4515 Cardholder Denies the Transaction The cardholder states that neither he, she, nor anyone authorized by him or her 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 authorized or participated in one.
4562 Counterfeit Card A cardholder is claiming that they did not authorize 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 Authorized Amount Chargeback amount is equal to or less than the exceeded limited /authorized amount.
4512 Duplicate Processing The cardholder claims that a single transaction was processed more than once.
4522 Declined Authorization An Authorization Request received a Decline Response and the merchant completed the transaction.
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 (i.e. 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 cancelled; an advance deposit/ payment or a no show reservation.
4544 Cancelled Transaction  The cardholder’s bank received a notice from the cardholder stating that they returned merchandise or cancelled services, but the credit has not appeared.

Ceilo

Fraud

Reason Code Reason Description
75 Cardholder does not Recognize The cardholder states that neither he, she, nor anyone authorized by him or her engaged in the transaction.
83 Card Absent Fraud Cardholder did not authorize or participate in a transaction conducted in a card-absent environment (i.e., internet, mail-order, phone-order, etc.).
4837 No Cardholder Authorization The cardholder is claiming that they did not authorize or participate in a transaction that you processed
4863 Cardholder does not Recognize - Potential Fraud The cardholder states that neither he, she, nor anyone authorized by him or her engaged in the transaction.
6321 Cardholder does not recognize The cardholder states that neither he, she, nor anyone authorized by him or her engaged in the transaction.

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 Cancelled Recurring Transaction The cardholder claims that their account continues to be billed for recurring goods or services that they had previously cancelled or revoked.
53 Defective Merchandise/Good Not Described The cardholder claims the goods were not as described or disputes the quality of the merchandise or services.
4841 Cancelled Recurring Transaction A recurring transaction was processed after it was cancelled or that the cardholder’s account was closed.
4853 Cardholder dispute - Defective/Not as described The cardholder claims the goods were not as described or disputes the quality of the merchandise or services.
4855 Non receipt of merchandise The cardholder claims that the goods or services that were purchased at your business have not been received.

Cartes Bancaires

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

Fraud

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

ELO

Fraud

Reason Code Reason Description
75 Cardholder does not Recognize The cardholder states that neither he, she, nor anyone authorized by him or her engaged in the transaction.
83 Card Absent Fraud Cardholder did not authorize or participate in a transaction conducted in a card-absent environment (i.e., 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 Cancelled Recurring Transaction The cardholder claims that their account continues to be billed for recurring goods or services that they had previously cancelled or revoked.
53 Defective Merchandise/Good Not 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 The merchant made an error 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 cancelled; an advance deposit/ payment or a no show reservation.