Provider Chargeback Reason Codes

In the following tables, you'll find examples of the reason codes returned by the card schemes. You'll find them inside the provider_data struct in each chargeback transaction as provider_data.response_code and provider_data.response_message.

Visa

Fraud

Code	Description
10.1	EMV Liability Shift Counterfeit Fraud
10.2	EMV Liability Shift Non-Counterfeit Fraud
10.3	Other Fraud: Card-Present Environment
10.4	Other Fraud: Card-Absent Environment
10.5	Visa Fraud Monitoring Program

Authorization

Code	Description
11.1	Card Recovery Bulletin
11.2	Declined Authorization
11.3	No Authorization

Processing Errors

Code	Description
12.1	Late Presentment
12.2	Incorrect Transaction Code
12.3	Incorrect Currency
12.4	Incorrect Account Number
12.5	Incorrect Amount
12.6	Duplicate Processing/Paid by Other Means
12.7	Invalid Data

Customer Disputes

Code	Description
13.1	Merchandise/Services Not Received
13.2	Cancelled Recurring Transaction
13.3	Not as Described or Defective Merchandise/Services
13.4	Counterfeit Merchandise
13.5	Misrepresentation
13.6	Credit Not Processed
13.7	Cancelled Merchandise/Services
13.8	Original Credit Transaction Not Accepted
13.9	Non-Receipt of Cash or Load Transaction Value

Mastercard

Fraud

Code	Description
4837	No Cardholder Authorization
4840	Fraudulent Processing of Transactions
4849	Questionable Merchant Activity
4863	Cardholder Does Not Recognize – Potential Fraud

Authorization

Code	Description
4807	Warning Bulletin File
4808	Authorization-Related Chargeback
4812	Account Number Not on File

Processing Errors

Code	Description
4834	Point of Interaction Error
4846	Correct Transaction Currency Code Not Provided/Currency Errors
4859	Addendum, No-Show, or ATM Dispute

Customer Disputes

Code	Description
4853	Cardholder Dispute of a Recurring Transaction
4855	Goods or Services Not Provided
4860	Credit Not Processed

American Express

Fraud

Code	Description
F10	Missing Imprint
F14	Missing Signature
F24	No Cardmember Authorization
F29	Card Not Present
F30	EMV Counterfeit
F31	EMV Lost/Stolen/Non-Received

Authorization

Code	Description
A01	Charge Amount Exceeds Authorization Amount
A02	No Valid Authorization
A08	Authorization Approval Expired

Processing Errors

Code	Description
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

Customer Disputes

Code	Description
C02	Credit Not Processed
C04	Goods/Services Returned or Refused
C05	Goods/Services Cancelled
C08	Goods/Services Not Received or Only Partially Received
C14	Paid by Other Means
C18	"No Show" or CARDeposit Cancelled
C28	Cancelled Recurring Billing
C31	Goods/Services Not as Described
C32	Goods/Services Damaged or Defective

Discover

Fraud

Code	Description
UA01	Fraud – Card Present Transaction
UA02	Fraud – Card Not Present Transaction
UA05	Fraud – Chip Card Counterfeit Transaction
UA06	Fraud – Chip and PIN Transaction

Authorization

Code	Description
AA	Cardholder Does Not Recognize
AP	Cancelled Recurring Transaction
AT	Authorization Non-Compliance
DA	Declined Authorization
EX	Expired Card
IN	Invalid Card Number
LP	Late Presentment
NA	No Authorization

Processing Errors

Code	Description
AW	Altered Amount
CD	Credit Posted as Card Sale
DP	Duplicate Processing
IC	Illegible Sales Data
NF	Non-Receipt of Cash from ATM
PM	Paid by Other Means

Customer Disputes

Code	Description
RG	Non-Receipt of Goods or Services
RM	Quality Discrepancy
RN2	Credit Not Received

Diners

Fraud

Code	Description
FR1	Fraud – Card Present Transaction
FR2	Fraud – Card Not Present Transaction
FR4	Counterfeit Fraud
FR5	Fraud – Lost/Stolen Card

Authorization

Code	Description
A01	No Authorization
A02	Authorization Declined
A06	Unissued Account Number

Processing Errors

Code	Description
PE1	Late Presentment
PE2	Duplicate Processing
PE3	Incorrect Transaction Code
PE4	Invalid Account Number

Customer Disputes

Code	Description
CD1	Services Not Rendered
CD2	Merchandise Not Received
CD3	Defective Merchandise
CD4	Credit Not Processed
CD5	Cancelled Recurring Transaction

Mexico local reason codes

Authorization Issues

Code	Description
71	Authorization declined.
72	Exceeds authorized amount.
75	Authorization does not exist.

Documentation and Process Errors

Code	Description
60	Illegible or incorrect document.
74	Late submission.
79	Promissory note not received.
84	Missing signature.
92	Irregular payment activity.
RT	Request for promissory note.

Fraud and Unauthorized

Code	Description
57	Unauthorized multiple charges.
68	Fraudulent remote transaction.
70	Card reported.

Miscellaneous

Code	Description
63	Chip (EMV) transaction.
76	Toll charges.

Refunds and Cancellations

Code	Description
41	Canceled periodic charge.
85	Refund not processed.
94	Reservation cancellation.

Transaction and Processing Errors

Code	Description
64	Manual transaction.
80	Process error.
82	Duplicate processing.
86	Altered amount.

Updated 6 days ago