2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. Visa specifies 46 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, Consumer Disputes, and Processing Errors. Depending on whether the documentation is required or not, Paymentology will submit these chargebacks on the client’s behalf. Administrative returns (R02, R03, R04): 3%. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a. M01 Chargeback Authorization. If a customer asks to use another form of payment after the Visa card transaction has been processed, credit from the original. Before starting your Disputes API integration, make sure that you: Understand the disputes process. As things currently stand, when an issuer believes that their initial chargeback was valid and the evidence submitted with the second presentment. One catch is that CE3. These codes are established by the payment brands to categorize the incoming dispute requests by reason. American Express. Reason. If merchants find that the order didn’t ship or wasn’t received, then accepting the. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. 3. . Visa uses a numeric scheme for its chargeback reason codes. . F02. A recurring transaction is a payment card charge that automatically reoccurs on a. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is validWhile the updates have been published, they do not go into effect until Oct. Use fallback options—like manually entering transaction data—as a last resort. This should include notation that indicates the specific reason for the chargeback. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. [email protected] American Express chargeback reason codes. Merchants can find a. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Which is meant to know the reason for the. Providing evidence of one of the following has a high likelihood of proving a dispute invalid and overturning the chargeback: Evidence Dashboard. This scenario applies when the arbitration was raised by either the. Multiple Authorization Requests. The request is usually made when the cardholder is disputing a charge on their credit. . Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. Using our e-commerce fraud prevention tools, we help lower friendly fraud costs and chargeback rates, but also reduce gift card and coupon abuse, and promote secure login authentication. It was originally one of several possible scenarios covered by legacy Visa reason code 83. For instance, if the customer claims unauthorized purchase, your letter should cite evidence, such as an IP address matching previous purchases, to support. R13 No Reply. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. Visa uses a numeric scheme for its chargeback reason codes. We say the given reason because it may or may not reflect the true reason. . We say the given reason because it may or may not reflect the true reason. ACH Return Codes. When a cardholder has an issue with a transaction, they can contact their bank to dispute the charge. You can learn more about each one by visiting the Mastercard Chargeback Guide. . Alerts providers work closely with banks to ensure that merchants using the service receive advance notice of impending chargebacks. MDR removed some reason codes completely, including code 4863 – Cardholder Does Not Recognize. The reason codes are grouped into several broad. 634. Below are some examples of more common. Reason codes give merchants information about the cause of a chargeback and what evidence. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputesMastercard chargeback reason code 4871 is one of the numeric labels assigned by banks to customer disputes, indicating the given reason for the claim. FR2 Fraud Full Recourse Program. In the case of friendly fraud, that reason could be completely invalid and. Dispute Best Practices Guide Overview This guide includes: An overview of authorization and transaction processing An overview of retrievals and chargebacks Reason code guidelines for all. Retry after 10 days. 3: Goods or services were not as described: C31: RM: 13. Reason codes Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. . 2? Visa chargeback reason code 12. A dispute or chargeback retrieval request is a request from a cardholder to the card issuer for a copy of the original transaction receipt. Code Reason (for Visa) 10. This specific code applies when a cardholder claims that the terms of the sale were in some way misrepresented. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. That’s because customers often use the chargeback process incorrectly, either as an intentional attempt to get something for free or an innocent misunderstanding. 180 First Chargeback: MTI 1442. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. The shorthand description is “Late Presentment. About Visa chargeback reason codes. In theory, reason codes help merchants understand why customers dispute purchases. These chargebacks occur to resolve chargeback-related disputes between network members. Some payment service providers like PayPal and Stripe have their own reason codes as well. Chargeback. 1: EMV Liability Shift Counterfeit Fraud: 10. Chargeback prevention alerts provide an opportunity for businesses to engage with customers in a proactive and customer-centric manner. The chargeback filing period for cardholders is usually 120 days. 51 Pleasant St # 1072, Malden, MA 02148 +1 (888) 901-8653. FR4 Immediate Chargeback Program. Overall returns (all codes): 15%. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. Issuers must wait 15 calendar days from the credit transaction receipt date before initiating a dispute, unless doing so would cause the dispute to exceed the time limit. Discover. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. Visa chargeback reason codes are used to categorize the reasons for a chargeback. In claims featuring a 4853 reason code, one of the possible causes is “Transaction Did Not Complete. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Discover uses unique codes to explain those reasons to merchants. Each reason code is composed of a two-, three-, or four-digit number. Even learning all the terms and rules won’t keep you. 4 chargeback by showing at least one transaction from any time period in which the IP address, email address, physical address, and telephone number match the details of the disputed transaction. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not Received Non-Receipt of Goods or Services NO YES VISA 41 Canceled Recurring Transaction Cancelled/Returned by CardholderIn the case of reason code 11. Retrieval Request. 6. The issuing bank assigns each case a code according to the consumer’s claim, and the merchant must adhere to the time limits for that specific code. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. Use this guide as a resource to quickly identify a chargeback reason code from Mastercard. The system does not accept blank as a value, even if it is defined in the user defined code table. message. . Find a detailed explanation of the Visa reason codes, the new format of the reason codes, and the categories they fall under. Chargeback reason code 4870 has to do with whether or not the merchant in question has installed and is using terminals that can accept EMV or “chip” payment cards. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. What are chargeback reason codes? It’s an alphanumeric string of text provided by an issuing bank following a chargeback that describes the reason for the. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. When you get a chargeback, it means that the funds from a completed transaction are being taken out of your merchant account and returned to the cardholder. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. Mastercom is Mastercard’s dispute management platform, which merchants can access via API connections enabled by their acquirer or payment processor. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. Cardholder Disputes. R13 No Reply. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet phone, or mail orders. The case will be removed from the Chargeback Queue Worklist and your ‘accept’You'll learn about the major categories of chargeback reason codes: fraud, authorization errors, processing errors, customer disputes; You'll learn about the usual types of chargeback reason codes due to fraud (not authorised or recognised transactions, fraudulent processing, monitored merchant or monitored card, the EMV liability shift); You. About American Express chargeback reason codes. Time Frames by Chargeback Type and Reason Code. So the company has more incentive to side with customer during cardholder. You should code appropriately to handle all codes applicable to the transactions you use. 1Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831. . There are several scenarios where a customer may reasonably expect a payment reversal. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing. The transaction took place in a "card-present" environment using a counterfeit EMV (chip) card. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Knowing these codes can help you dispute chargebacks more effectively. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. “Cleaning up that ecosystem of chargeback reason code so that we can start to define really what’s going on will be helpful,” Painter explained. Chargeback Reason Codes Page 2 of 5. 2, which specifically deals with. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. Understanding chargeback time limits is a critical part of recovering revenue, though. 6 is an updated version of legacy reason code 85, which was phased out under the Visa Claims Resolution initiative. Visa chargeback reason code 75 is filed as an honest mistake. 2. . Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. Visa uses a numeric scheme for its chargeback reason codes. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. 7 Violation for Coercion Claim. . First presentment fraud chargebacks include those with chargeback reason codes 4837 (No cardholder Authorization) and 4863 (Cardholder does not recognize — potential fraud). There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. Each reason code has its own regulations set by the relevant card scheme. . Friendly fraud. Code 10. However, it's a bad idea not to do so. What is Visa Reason Code 13. Customer Dispute. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,The chargeback reason codes below explain why this happened. . First-party misuse can happen for many different reasons. About Mastercard chargeback reason codes. It can also refer to situations where the cardholder’s account has been debited more than once for the same transaction. When alerted about a potential chargeback, businesses can reach out to the customer promptly to understand and address their concerns. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. When filing a chargeback, the issuing bank chooses a reason code from the list for the applicable card network. Johnson officially made TILA a law in 1968. Now, compliance cases must be submitted through Visa Resolve Online (VROL). The ultimate purpose of a chargeback reason code is to explain to the merchant why a chargeback was filed. While there are many chargeback reason codes, all chargebacks fall into one of three categories: American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. M10 Vehicle Rental – Capital Damages. But in reality, chargeback reason codes aren’t always as insightful as they appear to be. Chargeback Reason Codes: 5 Things For Merchants to Know 1. This is commonly caused by either true fraud or friendly fraud. 634. Thus, the easiest way to prevent chargeback reason code 75 from being filed is to use a billing descriptor that is easily recognizable. 4 applies to eCommerce, whereas code 10. 3 applies when a cardholder claims a charge—made in a card-present environment—was. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. Only an issuer can initiate the chargeback process. The format depends on the credit card company. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Unauthorized returns (R05, R07, R10, R29, R51): 0. Mastercard chargeback reason code 4834 applies for a specific type of customer payment dispute. However, a truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. 6: Duplicate processing/Paid by other means. United States; 18167 US Highway 19 N; Clearwater, FL 33764; 877. Simply search for your Visa chargeback reason codes, and learn why the chargeback was issued. Chargeback reason code 11. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. . . Duplicate Processing - 81How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. Chargeback prevention strategies vary based on the reason for the. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. Read chargeback reason code descriptions carefully, especially if they include any transaction modifiers. To represent a chargeback, you need to resubmit the transaction and include a rebuttal of the cardholder’s claims and documented evidence that proves your case. For American Express; For Visa; For Mastercards; Chargeback Reason Codes List for American Express Visa Chargeback Reason Codes. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with. ©Some new codes do not have legacy counterparts and should be coded 0 – Unknown/Unspecified. It can also apply when the merchant processed a recurring billing charge after the issuer requested cancelation. All 1. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 100- 140 standards- , and will be removed in future releases. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. What is Visa chargeback reason code 12. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback applies to the claim. The network. 4849 – Questionable Merchant Activity – Questionable Merchant Audit Program (QMAP) 4863 – Cardholder Does Not Recognize – Potential Fraud. 2. The specific guarantee terms and reimbursement procedures will. These are only a handful of common Visa chargeback reason codes. Without understanding the true. These companies can also handle the entire representment process. FR6 Partial Immediate Chargeback Program. RG Non-Receipt of Goods, Services, or Cash. “Visa has 28 different reason codes. Learn more about chargeback reason codes Chargeback Time Limits: One More Thing to Worry About. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Over a decade later, our exclusive data-driven platform provides true end-to-end chargeback prevention and remediation technology. Documentation must be Chargebacks. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. The chargeback transfers funds from the acquirer to the issuer. Which is meant to know the reason for the dispute. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a. When one cardholder initiates a dispute with their issuing bank, a. Any time. The major card networks (Visa, Mastercard, Discover, and American Express) established these codes to clearly identify the reason a chargeback was. This code is unique—at least currently—in that Visa has since split it into two separate categories: 12. Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable Transaction is not eligible for Reason Code 75 or 83: 9The client can define the chargeback reason code. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. This code applies when a cardholder claims a charge was unauthorized, and the issuer determined that ALL of the following conditions were met: The transaction took place in a card-present environment. Code. Originally filed under legacy reason code 85 (condition 3), this code applies when a credit transaction was not accepted, usually for one of two reasons: The cardholder did not accept the credit. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. . Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The chargeback system was designed as a last resort; only to be used in specific situations. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. . . [noun]/* kə • stə • mər • di • spyo͞ot/. 1 chargeback: 1. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. President Lyndon B. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCardVisa specifies 46 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, Consumer Disputes, and Processing Errors. Merchant must provide proof of authorization. 4854 Cardholder Dispute—Not Elsewhere Classified (U. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. . By offering timely. The separation of the Return ReasonChargeback reason code 13. FR4 Immediate Chargeback Program. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 00 EUR as a Withdrawal fee. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. . 9808; [email protected] is an updated version of legacy Visa reason code 81, which was phased out under the Visa Claims Resolution initiative. 4841 Canceled Recurring or Digital Goods Transactions. RDR will send an alert to the merchant, who can either initiate a refund to end the dispute or accept the chargeback. Reason codes are very crucial to assist. About Visa chargeback reason codes. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. Refer to Understanding disputes for a high level flow, and to Chargeback guidelines for scheme-specific information. 11, 16. Understand the Reason Code: Start by ensuring you understand the reason code of the chargeback and the claim it represents. You must tailor your representment case — including the compelling evidence — to the reason code under. 6. . 29. Message. This broad umbrella category includes an array of chargeback causes. Enhanced Customer Service. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. . Chargeback reason code 10. Chargeback reason codes are numbering systems set up by each card network as a way of identifying the cardholder’s complaint in the event of a chargeback. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. Reason codes vary by card brand. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. 2, it’s simple and straight-forward: The merchant attempts in any way to force, circumvent, or override a declined authorization. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Chargeback Reason Codes All received credit card disputes include a reason code. 180 S econd. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. As mentioned above, a reason code is a string of text that helps you, the business owner, decipher the chargeback. The bank can then reverse the transaction, deducting the funds from your account and returning them to the cardholder's account. Each of these situations was given an alphanumeric identification code called a chargeback reason code, which is meant to explain the reason for the dispute. Step 1: The cardholder disputes a charge. 1. The Allocation workflow applies to any chargeback assigned a “Fraud” or “Authorization”. These may impact the dispute time limits. . Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. 6. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your chargeback reason codes can provide you with insights into what types of disputes are causing you the most trouble. 1 falls under the “Processing Errors” category. Fraud. Chargeback reason code 4853: Cardholder Dispute applies to situations in which a customer feels they have been cheated or misled. The following chargeback reason codes are related to EMV: Visa: 10. The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type of chargeback. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. ACH disputes pertain to various parties involved in an ACH transaction, which is an electronic funds transfer facilitated. The initial release of this standard does not add, remove or change any Return Reason Codes. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. Discover is a credit card network and an issuing bank—just like American Express. However, since that time, the cardholder’s account has been closed. Attentive, accommodating, 24/7 customer service can work wonders to help you avoid chargebacks from disgruntled customers. About American Express chargeback reason codes. youtube. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. com; Europe; Vantage House;chargebacks, even on cases where you accept liability. All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. For example, some reason codes offer cardholders over a year to file. Reason Code 03. The same is true of all chargeback reason codes. Chargebacks with the following reason codes are requested due to fraudulent activity. supporting documentation in first chargebacks for chargeback reason code 4863 (Cardholder Does Not Recognize). Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Any chargeback that is received without a reason code will be assigned a default code of 53. We also included the reason code descriptions and an indication of when the allowable time frame begins. Visa uses a numeric scheme for its chargeback reason codes. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Now, 10. . Reason codes are very crucial to assist merchants to. ”. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your chargeback reason codes can provide you with insights into what types of disputes are causing you the most trouble. These guarantees typically involve reimbursement for chargeback-related losses or the assumption of liability for chargeback disputes. With this information, you can determine the root causes of your chargebacks and take. Required Authorization Not Obtained. Code. There are two parts to this. . 3: Goods or services were not received: C08: RG: 4855: 13. In all, there are four major categories of Chargeback Reason Codes. Chargeback reason code 4853 is used to designate “Cardholder Disputes,” or disputes involving transactions that a customer claims are incorrect in some way. In most cases, the bank chooses a course of action based on information the cardholder provides. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. It was originally just one facet of legacy reason code 81. . 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. ; Know the scenarios when Adyen automatically handles disputes on your behalf. Chargeback reason code 4853 is one of the numeric labels assigned by banks to each customer dispute, indicating the given reason for the claim. Authorization chargebacks represent disputes related to authorization issues. If a chargeback is requested as a direct result of the quality of the sold item, the chargeback will have one of the following reason codes. Friendly fraud. The following tables show the Stripe categories for each card network’s dispute reason codes. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. reason code information. Reason codes are alphanumeric codes that provide the justification for granting a chargeback.