Chargeback Response Codes

A chargeback reason code is a short alphanumeric code assigned by the issuing bank to explain why a customer disputed a transaction. These codes help merchants understand the issue and respond accordingly. While merchants can challenge chargebacks by providing evidence, the reason code might change if new information arises during the dispute process. Major card networks like Visa, Mastercard, American Express, Discover, and Diners each have their own set of reason codes. The following table shows the possible reason codes for each Chargeback that you’ll find in each transaction. You’ll be able to find the associated response_code in each transaction webhook. Also, in each chargeback transaction you’ll find the raw reason code from the card schemes in the response data.

Category	Response_code	Description
Fraud	`EMV_LIABILITY_SHIFT_COUNTERFEIT` EMV Liability Shift Counterfeit Fraud	The cardholder is claiming that they did not authorize or participate in a transaction that you processed.
Fraud	`EMV_LIABILITY_SHIFT_NOT_COUNTERFEIT` EMV Liability Shift Non-Counterfeit Fraud	The cardholder is claiming that they did not authorize or participate in a transaction that you processed.
Fraud	`CARD_PRESENT_FRAUD` 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.
Fraud	`NON_CARD_PRESENT_FRAUD` Other Fraud – Card-Absent Environment	The cardholder did not authorize or participate in a transaction conducted in a card-not-present environment, such as internet, mail-order, phone-order, and others.
Fraud	`SCHEME_MONITORING_PROGRAM` Other Fraud - Scheme Monitoring Program	Scheme Fraud Monitoring program
Authorization	`NO_AUTHORIZATION` No Authorization	Correct and valid authorization was not obtained by the merchant.
Authorization	`DECLINED_AUTHORIZATION` Declined Authorization	Authorization request received a Decline response and the merchant completed the transaction.
Processing Errors	`LATE_PRESENTMENT` Late Presentment	The transaction was not sent within the timeframe required.
Processing Errors	`INCORRECT_TRANSACTION_CODE` Incorrect Transaction Code	The cardholder is claiming that the converted amount of charge on an international transaction is incorrect.
Processing Errors	`INCORRECT_CURRENCY` Incorrect Currency	The merchant made one or more errors related to the transaction currency.
Processing Errors	`INCORRECT_ACCOUNT_NUMBER` Incorrect Account Number	The account number in the authorization does not match the account number used in the transaction.
Processing Errors	`INCORRECT_AMOUNT` Incorrect Amount	The cardholder is claiming that the amount they agreed to pay differs from the amount charged.
Processing Errors	`DUPLICATE_PROCESSING` Duplicate Processing/Paid by Other Means	A single transaction was processed two or more times.
Processing Errors	`INVALID_DATA` Invalid Data	The authorization was obtained using invalid or incorrect data.
Customer Disputes	`PRODUCT_OR_SERVICE_NOT_RECEIVED` Merchandise/Services Not Received	The cardholder is claiming that merchandise or services that they ordered were not received.
Customer Disputes	`CANCELED_RECURRING_TRANSACTION` Cancelled Recurring Transaction	A recurring transaction was processed after it was cancelled.
Customer Disputes	`PRODUCT_OR_SERVICE_ISSUE` Not as Described or Defective Merchandise/Services	The cardholder is claiming the goods were not as described.
Customer Disputes	`COUNTERFEIT_MERCHANDISE` Counterfeit Merchandise	The merchandise was identified as counterfeit.
Customer Disputes	`MISREPRESENTATION` Misrepresentation	The cardholder’s bank received a notice from the cardholder is claiming misrepresented terms of sale.
Customer Disputes	`CREDIT_NOT_PROCESSED` Credit Not Processed	The cardholder’s bank received a notice from the cardholder claiming that they received authorization, credit or voided transaction receipt that has not been processed.
Customer Disputes	`PRODUCT_OR_SERVICE_CANCELED` 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 statement.
Customer Disputes	`ORIGINAL_TRANSACTION_NOT_ACCEPTED` Original Credit Transaction Not Accepted	The original credit was not accepted.
Customer Disputes	`CASH_TRANSACTION_VALUE` Non-Receipt of Cash or Load Transaction Value	Cardholder did not receive the full cash withdrawal at an ATM.
Customer Disputes	`CUSTOMER_AGREEMENT` Proof of customer transaction or agreement required	The issuer asks the merchant for a copy of the receipt signed by the cardholder or any other documentation that verifies the customers agreement for the purchase. Usually to verify a card-present transaction the cardholder disputes or doesn’t recognize.

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