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What Are Chargebacks?

A chargeback is an adjustment to a merchant's account from a previous sales transaction. The reasons for chargebacks can be due to errors made by the merchant in the submission of their credit card transactions, non-authorized transactions and disputes from cardholders. When this occurs, Moneris will send the merchant a "Sales Draft Request" or "Chargeback Notification", which asks for a copy of the receipt or other required documentation as proof that the cardholder authorized the sale. When you receive these notices, please respond to them within the timeframe indicated on the notice.

Chargeback Reason Codes (American Express, MasterCard, Discover, Union Pay)


Chargeback Reason Codes (Visa)

As part of the Visa Claims Resolution (VCR) initiative, the current list of 22 Visa chargeback reason codes will be replaced with new values and grouped into one of four dispute categories (Fraud, Authorization, Processing Errors, and Consumer Disputes). A summary of new reason code changes scheduled to take effect in April 13 2018 has been provided below.


Visa Chargeback Reason Codes,
Pre-April 2018
Category of Dispute Code Description
Request for
Information
75 Transaction Not
Recognised
Fraud 57 Fraudulent Multiple
Transactions
Fraud 62 Counterfeit
Transaction
Fraud 81 Fraud – Card Present
Transaction
Fraud 83 Fraud – Card Absent
Transaction
Fraud 93 Merchant Fraud
Performance Program
Authorization 70 Card Recovery
Bulletin or Exception
File
Authorization 71 Declined
Authorization
Authorization 72 No Authorization
Authorization 73 Expired Card
Authorization 78 Service Code
Violation
Processing
Errors
74 Late Presentment
Processing
Errors
76 Incorrect Currency or
Transaction Code or
Domestic Transaction
Processing Violation
Processing
Errors
77 Non-Matching
Account Number
Processing
Errors
80 Incorrect Transaction
Amount or Account
Number
Processing
Errors
82 Duplicate Processing
Processing
Errors
86 Paid by Other Means
Cancelled or
Returned
41 Cancelled Recurring
Transaction
Cancelled or
Returned
53 Not as described or
Defective
Merchandise
Cancelled or
Returned
85 Credit Not Processed
Services or
Goods not
received
30 Services Not Provided
or Merchandise Not
Received
Services or
Goods not
received
90 Non-receipt of cash or
load transaction value
at ATM
Visa Chargeback Reason Codes,
Post-April 2018
Category of
Dispute
Code Description
Fraud 10.1 EMV Liability Shift
Counterfeit Fraud
Fraud 10.2 EMV Liability Shift
Non-Counterfeit
Fraud
Fraud 10.3 Other Fraud – Card-
Present
Environment
Fraud 10.4 Other Fraud – Card-
Absent Environment
Fraud 10.5 Visa Fraud
Monitoring Program
Authorization 11.1 Card Recovery
Bulletin
Authorization 11.2 Declined
Authorization
Authorization 11.3 No Authorization
Processing
Errors
12.1 Late Presentment
Processing
Errors
12.2 Incorrect
Transaction Code
Processing
Errors
12.3 Incorrect Currency
Processing
Errors
12.4 Incorrect Account
Number
Processing
Errors
12.5 Incorrect Amount
Processing
Errors
12.6.1 Duplicate
Processing
Processing
Errors
12.6.2 Paid by Other
Means
Processing
Errors
12.7 Invalid Data
Consumer
Disputes
13.1 Merchandise/Services
Not Received
Consumer
Disputes
13.2 Cancelled Recurring
Consumer
Disputes
13.3 Not as Described or
Defective
Merchandise/Services
Consumer
Disputes
13.4 Counterfeit
Merchandise
Consumer
Disputes
13.5 Misrepresentation
Consumer
Disputes
13.6 Credit Not Processed
Consumer
Disputes
13.7 Cancelled
Merchandise/Services
Consumer
Disputes
13.8 Original Credit
Transaction Not
Accepted
Consumer
Disputes
13.9 Non-Receipt of Cash
or Load Transaction
Value

Request for Information:

  Code Description
AMERICAN EXPRESS M01 Chargeback Authorization
  R03 Insufficient Reply
  R13 No Reply
Mastercard 4802 Requested/Required Information Illegible or Missing
  4863 Cardholder Does Not Recognise-Potential Fraud
Discover 05 Good Faith Investigation
  AA Does Not Recognize
Union Pay 4515 Transaction Not Recognized
  4526 Illegible Fulfillment
  4527 Fulfillment Not Received or Fulfilled with Response Code 04
  4559 Transaction Certificate (TC) and Relevant Calculation Data cannot be Provided

Fraud:

  Code Description
AMERICAN EXPRESS F10 Missing Imprint
  F14 Missing Signature
  F24 No Cardholder Authorization
  F29 Card Not Present
  F30 Fraud Liability Shift - Counterfeit
  F31 Fraud Liability Shift - Lost/Stolen
  FR2 Fraud Full Recourse Program
  FR4 Immediate Chargeback Program
  FR6 Partial Immediate Chargeback Program
  OP1 Dispute Adjustment
Mastercard 4837 No Cardholder Authorization
  4840 Fraudulent Processing of Transactions
  4849 Questionable Merchant Activity
  4870 Chip Liability Shift
  4871 Chip/PIN Liability Shift
Discover UA01 Fraud – Card Present Transaction
  UA02 Fraud – Card Not Present Transaction
Union Pay 4514 Fraudulent Multiple Transactions
  4562 Counterfeit Card
  4802 High Risk Merchant
  4803 Prohibited Merchant
  4810 The Cardholder denies the Transaction- Non-face-to-face Transaction

Authorization:

  Code Description
AMERICAN EXPRESS A01 Charge Amount Exceeds Authorization Amount
  A02 No Valid Authorization
  A08 Authorization Approval Expired
Mastercard 4807 Account Closed and No Authorization Obtained
  4808 Requested/Required Authorization Not Obtained
  4812 Account Number Not on file
Disover AT Authorization Non Compliance
Union Pay 4508 Exceeds Limited or Authorized Amount
  4522 Declined Authorization
  4528 Cancelled Pre-authorization
  4558 Verification for Transaction Certificate (TC) Fails

Processing Errors:

  Code Description
AMERICAN EXPRESS C14 Paid by Other Means
  P01 Unassigned Card Number
  P03 Credit Processed as Charge
  P04 Charge Processed as Credit
  P05 Incorrect Charge Amount
  P07 Late Submission
  P08 Duplicate Charge
  P22 Non-Matching Card Number
  P23 Currency Discrepancy
Mastercard 4831 Transaction Amount Differs
  4834 Duplicate Processing
  4842 Late Presentment
  4846 Correct Transaction Currency Code Not Provided
Discover AW Altered Amount
  CD Credit/Debit Posted Incorrectly
  DP Duplicate Processing
  IN Invalid Card Number
  LP Late Presentation
  TF Violation of Operating Regulations
Union Pay 4502 Purchase Not Completed
  4503 Dispute on Debit Adjustment
  4507 Cardholder Dispute - Transaction Amount Differs
  4512 Duplicate Processing
  4544 Cancelled Transaction
  4806 Paid by Other Means

Cancelled or Returned:

  Code Description
AMERICAN EXPRESS C02 Credit Not Processed
  C04 Goods/Services Returned or Refused
  C05 Goods/Services Cancelled
  C18 “No Show" or CARDeposit Cancelled
  C28 Cancelled Recurring Billing
  C31 Goods/Services Not As Described
  C32 Goods/Services Damaged or Defective
Mastercard 4841 Cancelled Recurring Transaction
  4853 Cardholder Dispute-Defective/Not as Described
  4860 Credit Not Processed
Discover AP Recurring Payments
  RM Cardholder Disputes Quality of Goods or Services
  RN2 Credit Not Processed
Union Pay 4532 Refund Not Processed

Services or Goods Not Received:

  Code Description
AMERICAN EXPRESS C08 Goods/Services Not Received or Only Partially Received
Mastercard 4855 Goods or Services Not Provided
  4859 Addendum or No-Show Dispute
Discover NF Non-Receipt Of Cash From ATM
  PM Paid By Other Means
  RG Non-Receipt of Goods or Services
Union Pay 4501 Non-Disbursement or Partial Disbursement of Cash at ATM
  4557 Transaction was settled but goods or services was not received
  4752 Fees Refund for Unsuccessful Balance Inquiry