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.

Reason code	Response_code	Response_message	Description
F01	EMV_LIABILITY_SHIFT_COUNTERFEIT	EMV Liability Shift Counterfeit Fraud	Category: Fraud. The cardholder is claiming that they did not authorize or participate in a transaction that you processed.
F02	EMV_LIABILITY_SHIFT_NOT_COUNTERFEIT	EMV Liability Shift Non-Counterfeit Fraud	Category: Fraud. The cardholder is claiming that they did not authorize or participate in a transaction that you processed.
F03	CARD_PRESENT_FRAUD	Other Fraud – Card-Present Environment	Category: Fraud. The cardholder is claiming that they did not authorize or participate in a key-entered or unattended transaction conducted in a card-present environment.
F04	NON_CARD_PRESENT_FRAUD	Other Fraud – Card-Absent Environment	Category: Fraud. 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.
F05	SCHEME_MONITORING_PROGRAM	Other Fraud - Scheme Monitoring Program	Category: Fraud. Scheme Fraud Monitoring program
A01	NO_AUTHORIZATION	No Authorization	Category: Authorization. Correct and valid authorization was not obtained by the merchant.
A02	DECLINED_AUTHORIZATION	Declined Authorization	Category: Authorization. Authorization request received a Decline response and the merchant completed the transaction.
P01	LATE_PRESENTMENT	Late Presentment	Category: Processing Errors. The transaction was not sent within the timeframe required.
P02	INCORRECT_TRANSACTION_CODE	Incorrect Transaction Code	Category: Processing Errors. The cardholder is claiming that the converted amount of charge on an international transaction is incorrect.
P03	INCORRECT_CURRENCY	Incorrect Currency	Category: Processing Errors. The merchant made one or more errors related to the transaction currency.
P04	INCORRECT_ACCOUNT_NUMBER	Incorrect Account Number	Category: Processing Errors. The account number in the authorization does not match the account number used in the transaction.
P05	INCORRECT_AMOUNT	Incorrect Amount	Category: Processing Errors. The cardholder is claiming that the amount they agreed to pay differs from the amount charged.
P06	DUPLICATE_PROCESSING	Duplicate Processing/Paid by Other Means	Category: Processing Errors. A single transaction was processed two or more times.
P07	INVALID_DATA	Invalid Data	Category: Processing Errors. The authorization was obtained using invalid or incorrect data.
C01	PRODUCT_OR_SERVICE_NOT_RECEIVED	Merchandise/Services Not Received	Category: Customer Disputes. The cardholder is claiming that merchandise or services that they ordered were not received.
C02	CANCELED_RECURRING_TRANSACTION	Cancelled Recurring Transaction	Category: Customer Disputes. A recurring transaction was processed after it was cancelled.
C03	PRODUCT_OR_SERVICE_ISSUE	Not as Described or Defective Merchandise/Services	Category: Customer Disputes. The cardholder is claiming the goods were not as described.
C04	COUNTERFEIT_MERCHANDISE	Counterfeit Merchandise	Category: Customer Disputes. The merchandise was identified as counterfeit.
C05	MISREPRESENTATION	Misrepresentation	Category: Customer Disputes. The cardholder’s bank received a notice from the cardholder is claiming misrepresented terms of sale.
C06	CREDIT_NOT_PROCESSED	Credit Not Processed	Category: Customer Disputes. 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.
C07	PRODUCT_OR_SERVICE_CANCELED	Cancelled Merchandise/Services	Category: Customer Disputes. 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.
C08	ORIGINAL_TRANSACTION_NOT_ACCEPTED	Original Credit Transaction Not Accepted	Category: Customer Disputes. The original credit was not accepted.
C09	CASH_TRANSACTION_VALUE	Non-Receipt of Cash or Load Transaction Value	Category: Customer Disputes. Cardholder did not receive the full cash withdrawal at an ATM.
C10	CUSTOMER_AGREEMENT	Proof of customer transaction or agreement required	Category: Customer Disputes. 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.