The tickets were held at the box office, and no signature,. What are Chargeback Reason Codes? Chargeback reason codes are issued by the bank when a customer files for a chargeback. These codes will explain why the chargeback was filed. [1] Sift. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. This can provide important information to fight the dispute. It covers topics such as chargeback rights, time frames, reason codes, arbitration and compliance. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. paper processing and mailing costs. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. 6: Credit not. Merchants who believe they have received an invalid chargeback under reason code FR2 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. CVV2. Moreover, there are other two categories to handle the Amex chargeback: inquiry and chargeback programs. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andChargeback reason codes are an abbreviated way of offering a basic explanation for the chargeback. Network Processing ® ©Reason Codes A chargeback reason code is a distinctive two-to-four-character combination of letters and numbers issued by the involved bank to identify why a dispute was initiated. Mastercard has plans to follow suit. Chargeback Category. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. One catch is that CE3. 1; Reason: EMV Liability Shift. According to Nilson, 56% of global card transactions were done on Visa in 2015. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. This definitive guide comprise which chargeback reason encrypted with apiece of the four greater bill networks. ) and ELISEA B. ”. Card Type. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. [noun]/prow • mow • ə • bjuz/. 16, 2021. 2. The only way to reveal the cause of the chargeback is to submit a comprehensive and complete response specific to the reason code used. Once filed, the merchant generally has 20 days to respond to the chargeback. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. This scenario applies when the arbitration was raised by either the. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). Card networks send these codes to merchants to indicate. The newer system is designed to. Most chargebacks occur due to merchant error, true fraud and friendly fraud. Visa chargeback reason code 75 is filed as an honest mistake. If more data is required, the request will be sent to the Merchant Services provider. The merchant dutifully refunds the charge, unaware that the cardholder plans to dispute the charge and get their money back twice. Invalid Authorisation (ISO 4521) / Charge. The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. These codes can help a merchant with an inquiry or chargeback reversal. If your chargeback ratio is high [i. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. 2. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. Additionally, Amex uses a fifth "Miscellaneous" category. These codes are broken down into five different category. . High Level Visa Chargeback Dispute Flow. txt) or read online for free. The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. . Ethoca alerts can prevent chargebacks before they hit your bank account. The following are some examples: Visa Reason Code 13. 7 Ways Merchants Win Chargeback Disputes. Reason Code 11: Merchant Collusion: The merchant participated in fraudulent collusive activities. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. There are two parts to this. The chargeback process can last from one month to six months. 4. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Chargeback Reason Codes by Industry. The shorthand description is “No Authorization. When you do the math, you are looking at a $5,000 penalty per month, along with a chargeback fee of $15-$30 per chargeback, and all the other associated costs. Reason Code Reason Code North-America Reason Description; 4540: F29: Card Not Present (fraud) The cardholder denies participation in a mail; telephone or internet-type transaction. Chargeback Reason Codes Reason code are the first key to understanding the root causes . 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. MasterCard: Reason Code 4859 Services not rendered. Chargeback reason codes can change with new information. Chargeback reason codes identify the general reason behind a chargeback. Over the last three years, so-called friendly fraud has become the number-one source of fraud as reported by merchants are forced to deal with. Depending on the code, that could mean gathering proof of authorization, signed receipts, proof of delivery, email correspondence and/or the cardholder’s IP address with transaction date and time for online purchases. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. If you believe you have received an ACH return in error, you can contact your bank. Discover: Reason Code 4755 Non-receipt of goods or services. If the available information indicates that the customer dispute is a valid one, American Express will automatically debit your merchant account for the amount of the disputed transaction and will send you a chargeback notification for you to review. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing. When a customer decides to dispute a charge made to their debit or credit card, it is referred to as a chargeback. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. See the list of reason codes below: Card Network. . 4763: FR2: Full recourse: A cardholder is claiming that they did not authorise or participate in a transaction that you processed. pdf), Text File (. Info Us; In and. We've made some changes to our API. From there, the merchant can look up the code to figure out what the dispute is about. It depends on the chargeback reason code associated with the dispute. 6). 4: . You should maintain dispute templates for each reason code and include your intent to fight the chargeback and why. 4763: FR2: Full recourse: A cardholder is claiming that they did not authorise or participate in a transaction that you. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Download PDF . The third digit indicates the specific reason within this category. Upfront Chargeback If we determine we have sufficient information to pursue a Chargeback, we may debit your account up front. Having a Lax Attitude Toward Industry Rules & Regulations. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. It is important for the merchant to know about the American Express Chargeback Reason Codes when dealing with a chargeback. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Usually, this will automatically be done by the processing system, or by an indicator button. F01. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at some. Post Views: 841. With that said, you still need to understand the reason codes with any chargebacks from Amex. Once your business is approved, we will reimburse you for any eligible disputes (subject to the criteria above) you received during that time and waive any related dispute fees. A magazine by Square . Chargeback reason codes. 2. The chargeback is ordered by the bank that issued the consumer's payment card. Overview. reasonable and that the transaction did not exceed this amount range. 4 Other Fraud Card Absent. If you get a chargeback,. 7 downloads 2 Views 352KB Size. This reason code indicates that the merchant. See full list on chargebackgurus. Paymentology will submit the chargeback using the appropriate chargeback reason code. Once filed, the merchant generally has 20 days to respond to the chargeback. 1: Use the corresponding dates from the invoice. May 2011: 5. Chargeback Reason Code. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. Accessed October 17, 2022. This list can provide you with a brief detail on the reasons for chargebacks. 3. As chargeback time limits get shorter and shorter, automated technology will become more and more valuable. S. (otherwise known as NIÑA MANUFACTURING AND METAL ARTS, INC. Be sure to communicate with the customer and their bank professionally and courteously. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. For example, 10. Chargeback reason code 11. The external reason/chargeback codes are converted to internal reason codes and are populated on the incoming (payment) AR document. These codes will explain why the chargeback was filed. September 2011: 5. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. If a dispute is filed with Discover and a ticket retrieval request is sent, the merchant has just five calendar days to respond with. Take the time to note the following dispute reason codes for Visa. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. Reason codes are very crucial to assist. You need to embrace a customer-centric approach focused on transparency and satisfaction. Fraudulent TransactionsThe reason code may not necessarily reflect the actual reason for the chargeback, but you ought to respond to it based on the provided chargeback code. New Visa CE 3. C08 - Goods or Services Not Received or Only Partially Received F29 - Card Not Present How to Respond One of the following must be provided in your response: Evidence that. It's essential to respond within the. There are over 80 unique return codes, and each one represents a different type of return. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. 3. 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. Amex. 1: goods not received. Fraudulent Transaction. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. The following chargeback reason codes are related to EMV: Visa: 10. Reason Code 53 Re-presentment Conditions. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Unfortunately, it is pretty challenging to prevent friendly fraud. FR2 Fraud. Body exampleWe’ll Handle the Chargebacks. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. Written over Chargeback Gurus. Time limit - 120 days for ISSUER/CARDHOLDER and 30 days for ACQUIRER/MERCHANT. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. This definitive guide includes the chargeback rationale codes from each of to four major card networks. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. Reason Code. Reason Code 10: Violation of Standards: The merchant was in violation of one or more of the card network’s regulations. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. File a claim and explain why you’re disputing the transaction. FR2 FR4 FR6 M01 M10 P01 P03 P04 P05 P07 P08 P22 P23 R03 R13 Select a code to see the details. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. Updated Disputes/Chargeback Policy Coming April 2024That definitive guide included the chargeback reason codes from each of the quad larger card connectivity. Be sure you understand the cardholder’s claim. Protect stored cardholder data. 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. A08 Authorization Approval Expired. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Region. For more information on these and other updates, check out our complete chargeback reason. R03. This can happen to merchants in a high-risk credit card processing category. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. Under the legacy Visa Chargeback system, there are 22 chargeback reason codes (And remember, this is just for Visa. Technical. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. . Here finalizing user includes the chargeback reason codes from either of the foursome major card networks. Valid chargeback reason codes are defined in UDC 03B/CB. Consider Deadlines. If you're contesting a chargeback, you'll need solid evidence. As a merchant, your focus should be on finding and retaining customers--not chargebacks. Here are the two possible scenarios: 1. Nevertheless, you must respond to the chargeback based on the given code. Discover. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. The network hasn't wholly disallowed some old codes. Dispute Best Practices Guide Overview This guide includes: An overview of authorization and transaction processing An overview of retrievals and chargebacks Reason code guidelines for all. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. These are only a handful of common Visa chargeback reason codes. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. The reason code. [noun]/cē • vē • vē • tö • kōd/. We’ve all been there as an eCommerce owner: you excitedly ship out a $1,500 order to a customer, and then a few weeks later you’re notified that the customer has opened a chargeback dispute. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. It is important to check the time limit in chargeback reason codes because it determines how long a cardholder has to initiate a chargeback after a transaction has taken place. This means that Chargeback Protection does not apply to payments you receive prior to enrolling in Chargeback Protection or payments you receive after your enrollment in Chargeback Protection ends. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. While the format of chargeback reason codes. A01 | A02 | A08. Clerical Merchants and Partners can request that Forte remove an account from the "Known Bad Accounts" database by calling Customer Service at 800-337-3060 option 1. Learn How Chargebacks Work. The Merchant Reviews the Partial Chargeback Claim. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 4763: FR2: Full recourse: A cardholder is claiming that they did not authorise or participate in a transaction that you processed. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. Step 1: The cardholder disputes a charge. Specify the invoice date and net due date to assign to chargebacks. 103. A chargeback reason code can offer merchants a lot of information, including which chargebacks you should fight and how to rework your return policy. Reason Code 12: PCI-DSS Non Compliance: The merchant wasn’t compliant with PCI-DSS requirements. Promo abuse can refer to any situation in which customers take advantage of a business’s promotional offer, in a way which was not intended by the merchant, for the purpose of monetary gain. Reason Code North-America: Canada and United States of America; Reason Code: All other. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Stage #1: Awareness - be aware of the chargeback response time limitA chargeback reason code is a number that helps to inform a hotel why a chargeback was filed. Discover Chargeback Reason Codes Explained. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. A chargeback is the potential outcome of a disputed credit or debit card transaction. . Chargeback Reason Encrypted by Lattice - 2023 Guided. message. A chargeback reason code can offer merchants a lot of information, including which chargebacks you should fight and how to rework your return policy. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. The system does not accept Blank as a value, even if it is defined in the UDC table. Example: 25. What are Chargeback Reason Codes? Chargeback reason codes are issued by the bank when a customer files for a chargeback. About American Express chargeback reason codes. The other member could accept the chargeback or contest it, escalating the dispute to compliance where Visa adjudicates. If you are a new Stripe user and we have activated your access to Chargeback Protection, we may hold all dispute-related funds and fees until your business is approved. Also, just like American Express, Discover functions as both a card network and an. Look below the surface. EMV Liability Shift Counterfeit Fraud. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. There is a USD 25 limit for the First Chargeback (Reason Code 22). Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. In short, chargebacks are costly. Select the value “open”. Now, compliance cases must be submitted through Visa Resolve Online (VROL). A chargeback guarantee is a service provided by third-party vendors that protects merchants against the financial impact of chargebacks. The cardholder may be the customer or the someone who lent their card to a friend or relative. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how to prevent disputes in the future. Merchants and Partners can request that Forte remove an account from the "Known Bad Accounts" database by calling Customer Service at 800-337-3060 option 1. Check with the issuing banks to determine what time limits may apply to you. Visa chargeback reason code 72 falls under the “Authorization” category. Not as Described or Defective Merchandise. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal. pdf), Text File (. Valid chargeback reason codes are defined in UDC 03B/CB. A “No Authorization” code chargeback can also be the. Based on the information provided, Paymentology will investigate the transaction being disputed. 2. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. 4 Funding Process. A01 | A02 | A08. 4808 Authorization-Related Chargeback. Other Fraud—Card Present Environment. Blog and Articles; Success Stories; Chargeback Reason Codes; BIN Look-up; eGuides the Reports; Webinars; Knowledgebase; Online; Partners. FAQ: What remains Chargeback Representment? TIPS. Try Shopify free for 3 days, no credit card required. Reason Code: 10. The customer is claiming that this purchase was not authorized. Any chargeback that is received without a reason code will be assigned a default code of 53. Visa chargeback reason codes. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Added the following fields - Store ID, Credit Card Chargeback Reason Code. 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. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. reason code information. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. 5. This can be transaction receipts, proof of. Submitted: The response has been sent and the issuer is. The business has the chance to refute the chargeback. You must designate the write-off reason code for the system to use when you activate the automatic write-off feature. 11. Shopify has four status categories for chargebacks and inquiries: Open: No response has been sent yet and evidence can still be added. The charge was flagged by the Amex Fraud Full Recourse Program. FR2 FR4 FR6 M01 M10 P01 P03 P04 P05 P07 P08. If a criminal manages to defeat the technology and complete an online. Spot these types of chargebacks using. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. INQUIRY A notification you receive if a Cardmember disputes a charge from your business and we cannot resolve it using the documents we have on file. The cardholder initiates contact with their bank or credit union to file a dispute. Written to Chargeback Gurus. 36. The dispute must be one of the following types of reason codes (as identified by the relevant Card Network) listed in. Visa ® has launched the CE 3. There are over 80 unique return codes, each representing a different return type. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. Try Shopify free for 3 days, no credit card required. 6. Visa. Choose “chargeback and inquiry status” from the drop-down menu. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. ABELLA, Petitioners, - versus - MADELINE C. A chargeback happens when a customer requests for a transaction to be. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. This definitive guide includes the chargeback reason codes coming each of the four greater menu networks. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. Reason Code 04. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. In certain cases American Express may issue an Upfront Chargeback. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. 4 to this dispute, indicating the purchase was fraudulent in a card-not-present environment. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. By entering your email, you agree to receive marketing emails from Shopify. If you leave this processing. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card. Additionally, one clearing transaction. Chargeback reason codes. However, it's advisable to respond to whatever reason code you received from the bank. Solution. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Blog and Articles; Success Stories; Chargeback Reason Codings; DUMPSTER Look-up;. We've produced some changes to our API You're viewing documentation with his latest API. 7: Defective goods and services: C32: RM: 13. Each card issuer follows their own standards for defining reason type, code and its format. You're viewing documentation for our latest API. None, although there is a $0. The standard chargeback process involves eight steps: Retrieval request: The card-issuing bank requests that the acquiring bank provide additional information for a given transaction. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. 1: Use the corresponding dates from the invoice. Visa assesses the following fines, as specified in the table below, to a U. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. Clearing. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code F24, which indicates an unauthorized transaction that the cardholder does not believe they should be responsible for paying. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Only by researching the disputed transaction and examining the true facts of the situation can you tell whether a chargeback is legitimate or not. Write Off Reason Code . Establishment on Full Recourse/Immediate Chargeback Program: FR2:When the customer disputes a charge, the issuing bank then begins the chargeback process. The key below describes the applicable classification and code structure of Chargeback codes by country: Classification. 4. 4. It is a valuable resource for anyone involved in the payments industry. Each chargeback is disputed by a specific reason code. 4763: FR2: Full recourse: A cardholder is claiming that they did not authorise or participate in a transaction that you. The merchandise was as described or was not defective. 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. 1 chargeback: 1. R01. Overview. The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type of chargeback. Betty's issuing bank assigned chargeback reason code 10. During this process, the representative of the institution examines the reasons’ list. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible MASTERCARD 4802 Requested/Required Item Illegible or Missing Request for. txt) or read online for free. ”. Reason Code North-America: Canada and United States of America; Reason Code: All other. account_number= Any account number. Chargeback Reason Coded by Network - 2023 Guide. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. Chargeback Reason Codes and Descriptions. 1. The network plans to reduce response times even further to just 20 days in the near future. Each card scheme has its own time limits for chargeback disputes, which can range from 60 to 120 days from the transaction date. United States. US $10,000. Dispute Category. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. 4853 – Cardholder Dispute – Credit Posted as a Purchase. This list was generated 5/4/2022. Different card networks have different reason code systems. 4798: F30: Fraud Liability Shift. Country. A reason code will be provided. 4 spec (Section 8. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim. Solutions. 1? Visa chargeback reason code 12. Mastercard also considers some chargeback reason codes to be indisputable.