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.

Category	Response_code	Response_message	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.