Dispute reason codes
Dispute reasons when an ACH or CARD payin is disputed by the customer
ACH Disputes
| CODE | TITLE | ACCOUNT TYPE | TIME FRAME |
|---|---|---|---|
| R05 | Unauthorized Consumer Debit using Corporate SEC Code | Consumer | 60 Calendar Days |
| R08 | Payment Stopped | Consumer or Business | 2 Banking Days |
| R10 | Originator not known and/or not authorized to Debit Receiver’s Account | Consumer or Business | 60 Calendar Days |
| R11 | Customer advises not within Authorization Terms | Consumer or Business | 60 Calendar Days |
| R29 | Not Authorized by Corporate Customer | Business | 2 Banking Days |
Card Disputes
Visa Chargeback Codes
| Chargeback Code | Description |
|---|---|
| Fraud | |
| 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 | |
| 11.1 | Card Recovery Bulletin |
| 11.2 | Declined Authorization |
| 11.3 | No Authorization |
| Processing Errors | |
| 12.1 | Late Presentment |
| 12.2 | Incorrect Transaction Code |
| 12.3 | Incorrect Currency |
| 12.4 | Incorrect Account Number |
| 12.5 | Incorrect Amount |
| 12.6.1 | Duplicate Processing |
| 12.6.2 | Paid by Other Means |
| 12.7 | Invalid Data |
| Consumer Disputes | |
| 13.1 | Merchandise/Services Not Received |
| 13.2 | Cancelled Recurring |
| 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 Chargeback Codes
| Chargeback Code | Description |
|---|---|
| Authorization | |
| 4808 | Warning Bulletin File |
| 4808 | Authorization-Related Chargeback |
| 4808 | Account Number Not on File |
| 4808 | Required Authorization Not Obtained |
| 4808 | Expired Chargeback Protection Period |
| 4808 | Multiple Authorization Requests |
| 4808 | Cardholder-Activated Terminal (CAT) 3 Device |
| Point of Interaction Error | |
| 4834 | Point of Interaction Error |
| 4834 | Transaction Amount Differs |
| 4834 | Late Presentment |
| 4834 | Point-of-Interaction Currency Conversion |
| 4834 | Duplication/Paid by Other Means |
| 4834 | ATM Disputes |
| 4834 | Loss, Theft, or Damages |
| Fraud | |
| 4837 | No Cardholder Authorization |
| 4849 | Questionable Merchant Activity |
| 4870 | EMV Chip Liability Shift |
| 4871 | EMV Chip/PIN Liability Shift |
| Cardholder Disputes | |
| 4853 | Cardholder Dispute of a Recurring Transaction |
| 4853 | Goods or Services Not Provided |
| 4853 | No-Show Hotel Charge |
| 4853 | Addendum Dispute |
| 4853 | Credit Not Processed |
| 4853 | Goods/Services not as Described or Defective |
| 4853 | Digital Goods $25 or less |
| 4853 | Counterfeit Goods |
| 4853 | Transaction Did Not Complete |
| 4853 | Credit Posted as a Purchase |
| 4854 | Cardholder Dispute Not Classified Elsewhere |
| Other | |
| 4850 | Installment Billing Dispute (Participating Countries Only) |
| 4999 | Domestic Chargeback Dispute (Europe Region Only) |
American Express Chargeback Codes
| Chargeback Code | Description |
|---|---|
| Authorization | |
| A01 | Charge Amount Exceeds Authorization Amount |
| A02 | No Valid Authorization |
| A08 | Authorization Approval Expired |
| Fraud | |
| F10 | Missing Imprint |
| F14 | Missing Signature |
| F24 | No Card Member Authorization |
| F29 | Card Not Present |
| F30 | EMV Counterfeit |
| F31 | EMV Lost/Stolen/Non-Received |
| Card Member Dispute | |
| C02 | Credit Not Processed |
| C04 | Goods/Services Returned or Refused |
| C05 | Goods/Services Cancelled |
| C08 | Goods/Services Not 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 |
| Processing Error | |
| 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 |
| Inquiry/Miscellaneous | |
| R03 | Insufficient Reply |
| R13 | No Reply |
| M01 | Chargeback Authorization |
| M10 | Vehicle Rental - Capital Damages |
| M49 | Vehicle Rental - Theft or Loss of Use |
| FR2 | Fraud Full Recourse Program |
| FR4 | Immediate Chargeback Program |
| FR6 | Partial Immediate Chargeback Program |
Discover Chargeback Codes
| Chargeback Code | Description |
|---|---|
| Fraud | |
| UA01 | Fraud – Card Present Transaction |
| UA02 | Fraud – Card Not Present Transaction |
| UA05 | Fraud – Chip Counterfeit Transaction |
| UA06 | Fraud – Chip and PIN Transaction |
| UA10 | Request Transaction Receipt (swiped card transactions) |
| UA11 | Cardholder Claims Fraud (swiped transaction, no signature) |
| Authorization | |
| NA | No Authorization |
| DA | Declined Authorization |
| AT | Authorization Non-Compliance |
| EX | Expired Card |
| Processing Errors | |
| IN | Invalid Card Number |
| LP | Late Presentation |
| Services | |
| 5 | Good Faith Investigation |
| AA | Does Not Recognize |
| AP | Recurring Payments |
| AW | Altered Amount |
| CD | Credit/Debit Posted Incorrectly |
| DP | Duplicate Processing |
| IC | Illegible Sales Data |
| NF | Non-Receipt of Cash from ATM |
| PM | Paid by Other Means |
| RG | Non-Receipt of Goods, Services, or Cash |
| RM | Cardholder Disputes Quality of Goods or Services |
| RN2 | Credit Not Processed |
| Other | |
| DC | Dispute Compliance |
| NC | Not Classified |
Updated 3 months ago