message. If you leave this processing. Code 13. A TC40 data claim occurs when a customer makes a fraud claim against a merchant. For example, the merchant bills the cardholder in installments. For example, the merchant bills the cardholder in installments. By entering your email, you agree to receive marketing emails from Shopify. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Get your complete. 00 EUR as a Withdrawal fee. In some circumstances, Mastercard allow consumers to reverse a credit card transaction by filing a chargeback. UA02 Fraud – Card Not Present Transaction. Check the chargeback reason code. Chargeback reason code. Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment) 0: CAVV authentication results invalid - no verification performed: CAVV data not properly formatted Use standard authorization criteria with Issuer retaining chargeback rights: 8Visa Chargeback Reason Codes. com. A chargeback is the potential outcome of a disputed credit or debit card transaction. Reason Codes: 24 / 25 / 30 / 34 / 59 / 82 Cardholder denies making CARD PRESENT transaction Make sure all transactions are magnetically swiped or imprinted. For merchants at risk of exceeding important chargeback thresholds, this cost is often well worth it. Administrative returns (R02, R03, R04): 3%. 1 Transaction Information Documentation Retention Period. EXPERT WITNESSES | CERTIFIED CYBER INVESTIGATORS | BEST OF BREED FORENSIC TOOLS & SOFTWARE. M01 Chargeback Authorization. These chargebacks occur to resolve chargeback-related disputes between network members. These chargebacks occur to resolve chargeback-related disputes between network members. 3 - Incorrect Currency . 03%: AP: 21: 1. The shorthand description is “Goods/Services Damaged or Defective. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. For information concerning Chargeback Response Code, see the Chargeback API Reference Guide. 2 Compliance Cases How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. 3. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. The Merchant Reviews the Partial Chargeback Claim. In the case of friendly fraud, that reason could be completely invalid and. 4808: This code can refer to: Account Number Not on File. Unfortunately, the final decision in such cases comes down to the issuing bank, and not. You can learn more about each one by visiting the Mastercard Chargeback Guide. When a merchant sees this reason code, it means that they presented a transaction to the cardholder’s issuing bank after the deadline for doing so. Dispute network reason codes categorization . To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. France saw a drop of roughly 50% during the same period. ”. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. Based on the information provided, Paymentology will investigate the transaction being disputed. Specify the default reason code that you want the system to assign when you enter a chargeback amount. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. 4? Visa chargeback reason code 12. 2. The first thing you should do when you receive a chargeback notification is to check the reason code that the card issuer assigns to the dispute. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. Bulletin File 08 RequestedRequired authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing 35 Card not valid or expired 37 No Cardholder Authorization. 4. This area shows you the type of dispute (chargeback in the example above) and the reason code. It is caused by things like beliefs, opinions, morals, regrets, fear, and confusion. If you believe you have received an ACH return in error, you can contact your bank. 0. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. “Our broad international experience with the banking industry, our familiarity with each and every credit card network’s unique chargeback guidelines, our proprietary. Invalid Reasons for a Dispute What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. The main chargeback reasons look like this: Malicious fraud. ”. The separation of the Return Reason About American Express chargeback reason codes. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Create this form in 5 minutes! Use professional pre-built templates to fill in and sign documents online faster. 1 American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. The cost of fraud relative to the transaction amount also increases by 12%. Unlike other. The aforementioned chargeback occurred on January 19, 20. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. However, the 30 day waiting period can be waived if you’ve. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. These codes are broken down into five different category. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. The merchant did not receive any returned merchandise. Discover Chargeback Reason Codes Explained. American Express chargeback reason code C42. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. Mastercard chargeback reason code 4871 is one of the numeric labels assigned by banks to customer disputes, indicating the given reason for the claim. Specify the default reason code to. FR4 Immediate Chargeback Program. Both EFM and ECM measure compliance at the MID level. Table A-1 shows all possible values for the <response> and <message> elements. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. compliance process depending on whether a chargeback right exists. Protect cardholder data. R03 Insufficient Reply. NSF and ISF mean that at the time the. Accessed October 31, 2022. 4860 Credit Not Processed. Now, compliance cases go through Visa Resolve Online (VROL). However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. Now, compliance cases must be submitted through Visa Resolve Online (VROL). What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. The specific decline code is meant to give a brief explanation as to why the issuer rejected the purchase. A dispute often has a reason code associated with it. 3 falls under the “Consumer Disputes” category. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. . These codes are currently defined within the ANSI X9. 46 Reason Code 74: Late Presentment. Reason Code. 4 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. 2, it’s simple and straight-forward: The merchant attempts in any way to force, circumvent, or override a declined authorization. You might also like. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. Fight; Prevent;. Any time. Here’s how your store can prevent and deal with chargebacks. Chargeback Reason Codes by Industry. Visa ® has launched the CE 3. The cardholder withdrew their chargeback: Provide a letter or email from the cardholder that states. Otherwise, you'll. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. Overall returns (all codes): 15%. Values are: Blank: Use the receipt G/L date. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. And. Review your credit card processor’s policies to understand its chargeback dispute process. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. 2 Compliance Cases4846 — Incorrect Currency Code. 06%: 1. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. What is American Express chargeback reason code F30?. The third digit indicates the specific reason within that category. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. , as a result of a legitimate purchase of the Driving Manual from our online store drivingmanual. Most reason codes apply to any merchant, regardless of what’s being sold. Beaufort House, 11th Floor,15 St Botolph Street, EC3A 7BB, LondonChargeback Reason Codes; BIN Lookup; ROI Tool; Company. 1. The use of this reason code indicates that the cardholder is claiming they did not participate in the transaction, and American Express believes a counterfeit card was used. • For Visa Allocation reason codes (RC 10. There are over 80 unique return codes, each representing a different return type. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. 3 No Authorization. Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. American Express chargeback reason code F30 falls under the “Fraud” category. ”. The shorthand description is “Goods/Services Not as Described. The Reason Code is a number that represents the reason for an action in the chargeback process. There are tricks you might use to circumvent an undesirable authorization message, such as not requesting authorization at all, or making multiple attempts on a declined card. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. Those reasons are explained through the corresponding reason codes. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. Reasons for Return: Not Sufficient Funds - Not Sufficient Funds, NSF, Insufficient Funds, ISF are the same message. For those facing a lower chargeback volume, however, alerts might not provide a positive ROI. Try Shopify free for 3 days, no credit card required. For instance, if the chargeback reason code alleges that merchandise was not delivered, you should provide tracking and delivery notifications, evidence that the customer lives or works at the product’s destination, or other proof that the customer received the product. 12. This Chargeback Reason Code has to do with all. There are over 80 unique return codes, and each one represents a different type of return. 3? Visa chargeback reason code 11. Chargebacks911® can help your business manage all aspects of chargeback reason codes, with proprietary technologies and experience. 2 chargebacks are frequently caused by customers forgetting to cancel a subscription before the next billing and then going to their bank to try to get their money back. Thanks for following the Chargeback Gurus blog. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. Eligible Chargeback Reason Codes . ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. The same is true of all chargeback reason codes. Chargeback representment succeeds when you can present your rebuttal concisely and substantiate. There are a number of chargeback request codes that need to be submitted with each chargeback request. 14 Chargeback Message Reason Codes. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. Discover is a credit card network and an issuing bank—just like American Express. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. Code. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. 00: The amount of the transaction. Some reason codes indicate a high likelihood of fraud, and instruct you to hold on to the card and contact the bank: 4 - Pick Up Card; 7 - Pick Up Card, Special Conditions; 33 - Expired Card – Pick Up; 34 - Suspected Fraud – Pick Up; 35 - Contact Acquirer – Pick Up; 36 - Restricted Card – Pick Up; 37 - Call Acquirer Security – Pick UpCardholder Disputes. 4853 – Cardholder Dispute – Credit Posted as a Purchase. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. ” This reason code is. Message. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. UA05 Fraud – Chip Counterfeit Transaction. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. 4 Other Fraud Card Absent. In fact, for every dollar lost to chargebacks in 2019, the average merchant lost an additional $2. ’For card-absent transactions, use all Visa tools, including AVS, CVV2, Visa Secure, and more, to reduce instances of fraud. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. Choosing what compelling evidence to submit. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. The deadline for a Chase Bank customer to dispute a transaction is 60 days. The shorthand description is “No Authorization. Once you receive this notification, you have 11 days to submit a response. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. Chargeback reason code 13. However, it is important to note that this reason code is based on the reason given by the customer to their bank. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. All ACH return reason codes consist of the letter “R” followed by two. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Each American Express reason code consists of one or more letters, indicating the category, and a number that identifies the. 2 chargeback if you override a declined, referral, or pickup authorization message, but process the transaction anyway. You deposited both the merchant copy and the acquirer copy of the transaction receipt. 47 Reason Code 75: Transaction Not. 1. There are tricks you might use to circumvent an undesirable authorization message, such as not requesting authorization at all, or making multiple attempts on a declined card. Acquirer Use of Message Reason Code 7623. But friendly fraud is much more ambiguous. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. 2 EMV Liability Shift. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. . Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingPlease note that the most common Chargeback reason code for Allocation disputes is 10. There are two parts to this. The customer regrets their purchase. This reason code indicates the cardholder had reason to believe they were going to receive a refund, but no credit to their account has been processed. 1? Chargeback reason code 11. The shorthand description is “Incorrect Account. This code tells you why the customer or bank initiated the dispute. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. The shorthand description is “Transaction Not Recognized. Paymentology will submit the chargeback using the appropriate chargeback reason code. Only an issuer can initiate the chargeback process. By entering your email, you agree to receive marketing emails from Shopify. Reason Code Description. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. What is Visa chargeback reason code 12. 0 rule changes take effect April 15,. The shorthand description is “Goods/Services Returned or Refused. The assigned chargeback reason code outlines why a customer submitted the dispute. Complete Guide to Visa Compelling Evidence Update CE 3. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. You should code appropriately to handle all codes applicable to the transactions you use. 12. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. During an economic recession, the average percentage of revenue lost to a fraudulent transaction increases by 39%. Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet. Your chargeback response must include at least one of the following items: If the goods or services provided are the same as what was promised, provide copies of the written descriptions made available at the time of the purchase. The following chargeback reason codes are related to EMV: Visa: 10. This chargeback will include a description that provides additional information: Digital Goods $25 or Less;When the customer disputes a charge, the issuing bank then begins the chargeback process. When one cardholder initiates a dispute with their issuing. 4853 – Cardholder Dispute – Goods or Services Not Provided. A recent survey by Checkout. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. 3. 8 Added American Express chargeback information Chapter 3 1. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. Reason codes are created by the major. M01 Chargeback Authorization. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. Time and Labor. When a fraudster places a transaction using stolen payment credentials, it may result in a true fraud chargeback under this reason code. TC40 data is used to inform banks and card networks when a merchant has an outstanding fraud. The sales slip must include both a UA01 Fraud – Card Present Transaction. Chargeback Code Authorization Errors; A01: Charge Amount Exceeds Authorization Amount: A02: No Valid Authorization: A08: Authorization Approval Expired: Chargeback Code: Type: Fraud: F10* Missing Imprint: F14* Missing Signature: F22: Expired or Not Yet Valid Card:Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. Card issuers and card networks deem certain chargeback codes to be nearly indisputable by merchants, and as a result, a merchant can be charged a fee of up to $500 by card networks for submitting a dispute of such chargebacks. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. The functionality of the Activity Report presented in greater detail on pages 34-48 in the following guide:. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. 2. There are over 80 unique return codes, and each one represents a different type of return. Then, the crook attempts to trick the victim into disclosing personal account information (account number, routing information, SSN, etc. This code is used when the cardholder claims that they returned merchandise, but the merchant did not provide them with a refund or replacement. Chargeback reason code 12. Oftentimes, the reason code assignment is based on limited knowledge and insight. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingA chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. For example, Mastercard has a code which indicates a ‘consumer dispute. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. Clerical Services industry for image exchange and the creation of IRDs. The cardholder may be the customer or the someone who lent their card to a friend or relative. Reason Code. Receiving a damaged product. ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. It is very important to ensure you have the correct code associated with your chargeback otherwise the request will be denied. . Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. 3: Goods or services were not as described: C31: RM: 13. 4853 – Cardholder Dispute – Credit Not Processed. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). Provide exemplary customer service. 76 - Incorrect Currency or Transaction Code or * Domestic. Forensic Cryptocurrency Investigation Services. This code helps you identify the exact cause of the dispute. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. This chargeback occurs when merchants do not adequately provide currency information. False declines lead to missed legitimate purchases, while false. Custom Notifications. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. chargebackcodeguide (1) chargebackcodeguide (1) Priya Das. Stripe maps each network code into one of eight categories, based on the general claim and the evidence you need to submit to effectively challenge that type of claim. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. Merged with new RC 34 0 Transaction amount differs Merged with new RC 34 & Late Presentment Merged with new RC 34 D Correct Transaction Currency Code not provided Merged with new RC 34 . mastercard chargeback reason code 34. Apparel retailers and suppliers must proactively address chargeback issues. As mentioned earlier, the given reason for a chargeback may be far different from the actual reason. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRR Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. UA02 Fraud – Card Not Present Transaction. The shorthand description is “Point-of-Interaction Error. Prevent Chargebacks & Reduce Payment Processing Risk. The newer system is designed to. 16, 2021. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code F29, which indicates an unauthorized transaction that the cardholder does not believe they should be responsible for paying. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. Chargeback Reason Codes All received credit card disputes include a reason code. R13 No Reply. High Level Visa Chargeback Dispute Flow. Follow the Rules. 3? Visa chargeback reason code 13. Write customer-friendly policies. Updated these Visa Chargeback Codes: 30, 62, 85. 5, and all aspects of chargeback reason codes, with proprietary. Dispute Category. 1 and Note on page 14 Chapters 1 and 2 Chapter 1Reason Codes Category 4: Processing Errors. It is associated with a chargeback reason code, and it is specific per Card Scheme. Dispute Best Practices Guide Overview This guide includes:Some credit card companies also include a short phrase describing the code and chargeback. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. Not recognizing your billing descriptor on a statement. 1: goods not received. Cardholder-Activated Terminal (CAT) 3 Device. What Are Chargeback Reason Codes? Chargeback reason codes identify the general reason behind a chargeback. False Declines and False Positives: Issues arising from improper transaction reviews. The most popular type of disputes of the chargeback category. From there, the merchant can look up the code to figure out what the dispute is about. 3. Nearly 1 in 4 online businesses have a chargeback rate that exceeds 1%, while 80% of merchants report a chargeback rate above 0. Mastercard asserts that SecureCode will prevent unauthorized charges and reduce fraud. 1 13 July 2021 Global Processing Services ltd. This reason code means that the customer claims to have received goods or services that were damaged, defective, or otherwise unacceptably faulty. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. A chargeback happens when a customer requests for a transaction to be reversed. com shows that more than a. You may also provide other forms of evidence such as photographs, emails, etc. 1? Visa chargeback reason code 12. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. Reason Code: Numeric: Code for the chargeback request (see below). Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. Credit card chargeback reason code: Type: varchar; Max length: 32 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. 1004 - For fraud /dispute investigation or legal/ regulatory issues. 1 - Late Presentment. Last updated: October 15, 2019 . Why did I get a chargeback with Mastercard Reason Code. “American Express Chargeback Reason Codes | Sift”. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. Based on this, you can. The U. These codes are currently defined within the ANSI X9. All ACH return reason codes consist of the letter “R” followed by two. But if your chargebacks Win Rate is above that percentage, then ensure that your Return on Investment (ROI) index is over 50%. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. 4. The first thing you should do when you receive a chargeback notification is to check the reason code that the card issuer assigns to the dispute. A chargeback happens when a customer requests for a transaction to be. 42 - Late Presentment. Each card issuer follows their own. 1American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. 1 to RC 13. 25%: 0. The transaction amount and authorization number (ARN.