Chargeback
reason codes
Protect your payment processor from costly credit card chargebacks with Chargeback's prevention solutions.
General Information about Reason Codes
Reason codes are essential annotations used by credit card companies, banks, and other financial institutions. They explain why transactions don't go through, why chargebacks happen, or why payments are adjusted. Think of reason codes as quick, standardized notes that clarify the cause of these financial adjustments—anything from suspected fraud to a simple typo.
What is a Reason Code?
A reason code could be a number or a mix of letters and numbers that credit card networks or banks use to pinpoint why a transaction was declined, a chargeback filed, or a payment adjusted. Each code stands for a specific issue—maybe there weren't enough funds, there was suspected fraud, or a processing error occurred.
These codes are crucial not just for resolving payment disputes but also for analytics and reporting in financial operations. Knowing these codes helps businesses apply the right fixes, ensuring they stick to card network rules and improve their transaction success rates.
Reason codes on major card networks
Understanding the reason codes across top card networks like Visa, Mastercard, American Express, and Discover is vital for effective dispute management. Each network uses its own unique system designed for specific transaction issues, which significantly affects how businesses handle disputes and chargebacks.
By deeply understanding these systems, businesses are equipped to manage and prevent chargebacks effectively. Using advanced analytics and tailored strategies not only improves understanding and adapts procedures.
Visa categorizes its reason codes into areas like processing errors, authorization errors, fraud, and customer disputes as part of its Visa Claims Resolution initiative. This organization helps merchants quickly spot and address disputes.
10.1
Understanding Visa Chargeback Reason Code 10.1: EMV Liability Shift Counterfeit Fraud
10.2
Understanding Visa Chargeback Reason Code 10.2: EMV Liability Shift Non-Counterfeit Fraud
10.3
Understanding Visa Chargeback Reason Code 10.3: Other Fraud: Card-Present Environment/Condition
10.4
Understanding Visa Chargeback Reason Code 10.4: Other Fraud: Card-Absent Environment
10.5
Understanding Visa Chargeback Reason Code 10.5: Visa Fraud Monitoring Program
11.1
Understanding Visa Chargeback Reason Code 11.1: Card Recovery Bulletin
11.2
Understanding Visa Chargeback Reason Code 11.2: Declined Authorisation
11.3
Understanding Visa Chargeback Reason Code 11.3: No Authorisation
12.1
Understanding Visa Chargeback Reason Code 12.1: Late Presentment
Similar to Visa but with an added 'Miscellaneous' category, American Express uses both letters and numbers to clearly outline specific disputes, aiding in effective management and resolution.
Visa categorizes its reason codes into areas like processing errors, authorization errors, fraud, and customer disputes as part of its Visa Claims Resolution initiative. This organization helps merchants quickly spot and address disputes.
Discover uses an alphabetical system for its reason codes, like 'DP' for duplicate processing and 'RM' for quality issues. This clear categorization assists merchants in resolving disputes swiftly.
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