These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Reason. M10: Vehicle Rental - Capital Damages: M49: Vehicle Rental -. Write customer-friendly policies. for chargeback reason code 4863 (Cardholder Does Not Recognize). Try Shopify free for 3 days, no credit card required. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. For those facing a lower chargeback volume, however, alerts might not provide a positive ROI. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. 3. 1. reason code information. A chargeback happens when a customer requests for a transaction to be reversed. Understanding these codes is essential because they'll guide your response strategy. Paymentology will submit the chargeback using the appropriate chargeback reason code. United States; 18167 US Highway 19 N; Clearwater, FL 33764; 877. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. 5 billion lost in 2020. 975. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. The chargeback reason code. Card Enrolled for 3-D Secure VS Card Not Enrolled for 3-D Secure. Take the time to note the following dispute reason codes for Visa. It happens when the cardholder disputes the payment, claiming it was invalid or unauthorised. 1. 103. Please note that the most common Chargeback reason code for Allocation disputes is 10. Representment Documentation. There is a USD 25 limit for the First Chargeback (Reason Code 22). Below is a list of Mastercard chargeback codes used in eCommerce. MasterCard does not have an equivalent reason code. 0. Since the chargeback process can be costly and time consuming, merchants should consider it an important priority. UA06 Fraud – Chip and PIN Transaction. 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. 1. 4 Funding Process. These codes can help a merchant with an inquiry or chargeback reversal. 1 for Visa, 4842 for Mastercard, and LP for Discover). [noun]/* chahrj • bak • rə • pôrt/. Use order validation and prevention alerts. Now, the cardholder claims the purchase was unauthorized. 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. Scenario 1 — upfront chargeback. This code applies when a cardholder claims a charge was unauthorized, and the issuer determined that ALL of the following conditions were met: The transaction took place in a card-present environment. Assemble Your Evidence. The issuer generates a claim, then transmits it to the merchant’s acquirer, as well as to Visa, as a means of noting all reported fraud incidents tied to the merchant. Plus, get valuable tips to prevent and fight chargebacks with greater accuracy. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. You’ll put that reason code, the transaction amount and authorization number, and state that the. Category. Choose the representment amount. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. [1] Sift. 0 only applies to reason code 10. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. The cardholder has a chip card and someone made a counterfeit copy of it. Click on “report a problem” and select the transaction in question. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. 2 Added chapter providing information about the DiscoverUse fallback options—like manually entering transaction data—as a last resort. Updated August 23, 2023. But friendly fraud is much more ambiguous. Every time a merchant processes a transaction, they are supposed to send an. Payment capture comes after authorization; at this point, the payment is effectively "settled," and the transaction is over. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. UA02 Fraud – Card Not Present Transaction. Solutions. Card Brand. The transaction took place in a "card-present" environment using a counterfeit EMV (chip) card. 3 applies when a cardholder claims a charge—made in a card-present environment—was. 5%. Check with the issuing banks to determine what time limits may apply to you. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. 2 – EMV Liability Shift Non-Counterfeit Fraud. If a criminal manages to defeat the technology and complete an online purchase, Mastercard will shift liability away from the merchant and onto the issuer. For example, 10. The shorthand description is “Vehicle Rental – Capital Damages. Return fraud happens when consumers bring an item (or items) back to you to request a refund in the form of store credit or cash. A reason code is an alphanumeric code selected from a predetermined list by the issuing bank to indicate the reason the cardholder gave for requesting a chargeback. 3 is an updated version of legacy reason code 53, which was phased out under the Visa Claims Resolution initiative. Valid Values/Format: 22 - First Chargeback Handling Fee. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Visa chargeback reason code 11. The reason codes are grouped into several broad. Merchants who believe they have received an invalid chargeback under reason code 10. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Merchants. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. If the customer’s story matches. The chargeback can be for the total transaction amount or a lesser amount. By entering your email, you agree to receive marketing emails from Shopify. The second is friendly fraud, where a cardholder falsely claims a legitimate charge was unauthorized. Here are some chargeback reason codes by card type. ”. American Express chargeback reason code M10 falls under the “Inquiry/Miscellaneous” category. Visa Chargeback Reason Codes; Chargeback Management Software; Chargeback Reason Codes; Credit Card Dispute Time Limit; Mastercard Reason Codes; Bank Identification Number; CONTACT. Others require banks to wait for a certain period before they can issue a chargeback. Scenario 2. . This definitive guide includes the chargeback rationale codes from each of to four major card networks. Number two: Product Not Received chargebacks. Fight; Prevent;. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Those reasons are explained through the corresponding reason codes. The shorthand description is “EMV Liability Shift Non-Counterfeit Fraud. Merchants who believe they have received an invalid chargeback under reason code 13. These are only a handful of common Visa chargeback reason codes. ; Help Center Find answers to common questions about Midigator’s technology,. The 12 calendar day response time period begins from the dispute filing date in the DDR. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. 0: Changed report name from Downloadable Dispute Report to Case Report. 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. 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. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. It gets worse. That suggests that in the times when merchants. We also included the reason code descriptions and an indication of when the allowable time frame begins. The Code 10 call gives merchants a chance to bring possible fraud to the card issuer’s attention and receive instructions from them about how to proceed with the transaction. Try Shopify free for 3 days, no credit card required. Each chargeback comes with a code that designates the reason it was filed. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. Read the Chargeback Advice letter carefully. Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. Section5. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. Updated Disputes/Chargeback Policy Coming April 2024While the updates have been published, they do not go into effect until Oct. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. Reason. When you receive notification of a payment dispute or chargeback you may see a code listed with it. Specify the invoice date and net due date to assign to chargebacks. The Chargeback Reason is fraud-related and the Chargeback Notice identifies that one of the below chargeback codes (each, an "Acceptable Reason Code") applies: Acceptable Reason Codes. Discover: Reason Code 4755 Non-receipt of goods or services. 4 chargebacks. Each card network maintains reason codes to cover all the disputes that qualify for. Respond to invalid disputes. It can range from 60 to 120 days from the billing date. Once you hear from. These may impact the dispute time limits. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. You processed a transaction with the counterfeit card on a terminal that wasn’t EMV-compliant rather than using a chip reading device that would have detected the fraud. Terms and conditions. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Chargeback reason codes are an abbreviated way of offering a basic explanation for the chargeback. 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. Step 2: Customer initiates the chargeback. The system does not accept blank as a value, even if it is defined in the user defined code table. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. While there are many chargeback reason codes, all chargebacks fall into one of three categories:What is Visa chargeback reason code 10. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. If more information is needed, you’ll either receive an Inquiry or a Chargeback. SolutionsChargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. M10 Capital damages M11 Credit processed M12 Compliance M13 Not as described - Unable to resolve. The keys to this are improved communication, enhanced customer satisfaction measures, and effective dispute resolution when necessary. message. This will be referenced in the chargeback notice you received. 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. This reason code is assigned to consumers wishing to file a chargeback for defective product. ” This code indicates the merchant made a swiped or keyed transaction with a counterfeit card rather than scanning the EMV chip. Typical chargeback reason codes are: DA: Disputed amounts DD: Unearned (disallowed) discount amount Note. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. 45. This extra step can be frustrating for Card Members and lead to lost sales. Visa anticipates that changes to the required up-front information will help eliminate the back-and-forth between merchant, acquirer, and issuer, intending to result in a quicker chargeback resolution time for our merchants. Include any terms relevant to the transaction, including return, cancellation and. Reason Code 02. American Express chargeback reason code C02 falls under the “Card Member Disputes” category. Survey data from the 2019 Chargeback Field Report found that 82% of merchants surveyed believed that the Visa Claims Resolution process had “little to no impact on chargeback management. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. 60 due to merchandise, fees, overhead, and other sources of loss. The sales receipt and/or date and amount of the authorization if other than the transaction date. As soon as a customer requests a chargeback, their bank will reach out to the business’s bank and give them a heads-up that the chargeback has been requested. Now, compliance cases go through Visa Resolve Online (VROL). FR6 Partial Immediate Chargeback Program. At Visa they used to receive reason code 98. Responding to Mastercard Reason Code 4853 Chargebacks. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. UA01 Fraud – Card Present Transaction. pdf), Text File (. However, it is important to note that this reason code is based on the reason given by the customer to their bank. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. R13 No Reply. Check this complete list of chargeback and dispute reason codes. Processing recurring payments increases your susceptibility to chargebacks. US and Canada. They may also have requirements that must be met in order for a transaction to be eligible for coverage, such as delivery confirmation. 3? Visa chargeback reason code 13. 3 falls under the “Consumer Disputes” category. Blog and Articles; Success Stories; Chargeback Reason Codes;. Any chargeback that is received without a reason code will be assigned a default code of 53. Fraudulent TransactionsEvery chargeback comes with a reason code. These are only a handful of common Visa chargeback reason codes. Code description a01 charge exceeds authorization. Either the acquiring or issuing bank could initiate the. 1: goods not received. 3? Visa chargeback reason code 13. A new chargeback notice is created. If you leave this processing. 4853 – Cardholder Dispute – Goods or Services Not Provided. ” This code indicates an unauthorized charge was made to a chip-and-PIN card in a card-present transaction. Time and Labor. Under the legacy Visa Chargeback system, there are 22 chargeback reason codes (And remember, this is just for Visa. There are several reasons why many merchants turn a blind eye to suspected return fraud. Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. Updated the following columns - card type, response due date. There are two types of invalid chargebacks. There are two parts to this. 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. 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. Payment Capture. 2. 00 EUR as a Withdrawal fee. The cardholder has a chip card and someone made a counterfeit copy of it. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. Let’s say you got a Visa chargeback with reason code 13. 6, "Chargeback Reasons" Added requirements for each Chargeback Reason code. 4. Check the chargeback reason code. 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. 1. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. What is Visa Reason Code 13. The Electronic Fund Transfer Act is a piece of US legislation that requires banks to provide certain information to customers regarding electronic fund transfers (EFTs). But, merchants should be aware that, eventually, everyone will be required to use the new designations. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Your firm needs to embrace a customer-centric approach focused on transparency and. A payment capture is the legally binding point at which transactional funds move from a cardholder's account into a merchant’s account. Documentation must be a direct result of cardholder communication. Use this guide as a quick resource for Visa chargeback reasons at a. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. This provided a number of insights into the typical. There are two common causes of code 10. underlying your chargeback. The cardholder alleges they never received the products or services. American Express is incentivized to keep their customers happy. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. 5 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. This can provide important information to fight the dispute. 2. Mastercard Chargeback Reason Code 73: Duplicate Transaction. They either issue a chargeback to the merchant’s bank, or they find that the charge is authentic and side with the merchant. The new reason codes follow a format of two digits, a period, then a third digit. The transaction amount and authorization number (ARN. Chargeback Reason Codes by Mesh - 2023 Guide. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. 7. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. Chargeback. 1: Use the corresponding dates from the invoice. Chargebacks: Your Guide to Reducing Hassle and Cost. We recommend keeping records of all transactions, so you are prepared in the event that a chargeback does happen. 2 is an updated version of legacy Visa reason code 81, which was phased out under the Visa Claims Resolution initiative. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. Check with the issuing banks to determine what time limits may apply to you. . 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Discover Chargeback Reason Codes Explained. However, they don’t address the reason why that chargeback was issued in the first place. Chargebacks911® can help your business manage all aspects of chargeback reason codes, using proprietary technologies and experience. There are two common causes of code 10. Use clear and consistent billing descriptors. However, the return request is invalid, as the customer does not have a legitimate right to a refund for one reason or another. Goods and services not as described or cardholder received defective goods or services 3. 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 According to a study released by Juniper Research, ecommerce businesses were projected to lose roughly $20 billion in 2021 due to fraud, an 18% increase over the $17. When a card is declined, it is in your best interest to accept that answer and either cancel the transaction or ask for a different form of payment. 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. txt) or read online for free. Always ask for authorization regardless of the transaction amount. Chargeback reason code 10. But sometimes, a chargeback can be fraudulent. Now, 10. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Time Frames by Chargeback Type and Reason Code. All card brands have their own number of codes). Collect Compelling Evidence. You must tailor your representment case — including the compelling evidence — to the reason code under. Watch on. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. Visa - 10. 1Chargeback. MASTERCARD Dispute Reason Codes. By entering your email, you agree to receive marketing emails from Shopify. Blog and Articles; Success Stories; Chargeback Reason Codes; BIN Look-up; eGuides the Reports; Webinars; Knowledgebase; Online; Partners. Both EFM and ECM measure compliance at the MID level. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. 7: Defective goods and services: C32: RM: 13. 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. Transaction unauthorized make up 30% of all. Reason codes vary by card brand. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)These chargebacks occur to resolve chargeback-related disputes between network members. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. ECM monitors first presentment chargebacks regardless of reason code or transaction type. Like definitive guide involves the chargeback reason laws upon each of the four major cards networks. The merchant did not receive any returned merchandise. 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. In fact, the total costs of chargebacks exceed $30 billion per year, which is more than the revenue of many Fortune 500 companies, like McDonald’s and Netflix. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. Each code corresponds to an issue or problem. com; Europe; Vantage House;Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. Reason Code Reason Code North-America Reason Description; 4540: F29: Card Not Present (fraud). So the company has more incentive to side with customer during cardholder. Standard Threshold: Reaching a chargeback ratio of 0. 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. From a merchant’s perspective, the greatest asset offered by 3DS is protection against liability in the event of fraud. Chargebacks from all three categories can show . 3. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. For example, Mastercard has a code which indicates a ‘consumer dispute. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. 1 EMV Liability Shift 10. The good news is that most of these invalid claims are disputable by the merchant. Here’s how. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other Chargeback Categories. The cardholder did not authorize or participate in a transaction conducted in a Card Not Present environment. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. The most comprehensive guide to chargeback reason codes. Chargeback Reason Codes by Network - 2023 Orientation. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to. 11, 16 November 2015, Elimination. Understanding these codes is essential because they'll guide your response strategy. 4, 12. Reason Codes: 08 / 20 / 71 / 72 A card was used either before or after its valid date Never process a transaction on a card prior to, or after, the valid date. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Based on the information provided, Paymentology will investigate the transaction being disputed. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. “ Chargeback Fraud Threat Growing as 65% of Chargebacks911’s Respondents Reported an Increase in 2022 “. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. 10. Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet. The chargeback system was designed as a last resort; only to be used in specific situations. many chargeback reason codes that exist today. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. Which is meant to know the reason for the dispute. 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). Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. This category of fraudulent chargeback claims is represented with the following reason codes: AMEX - F29 Card Not Present. Chargeback reason codes are an abbreviated way of offering a basic explanation for the chargeback. It is subject to change and may not include every currently known dispute reason code. 4: Fraud—Card-Absent Environment. Cardholders and card issuers can place disputes on transactions for a variety of reasons including product returns, defects, cancelled reservations, and card processing errors. To win a chargeback dispute as a merchant, you must have evidence that is compelling enough to persuade the cardholder’s bank to reevaluate the case. 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. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. The list of chargeback reason codes in this article is organized by card brand and type of dispute. A TC40 data claim occurs when a customer makes a fraud claim against a merchant. M10: Vehicle Rental - Capital Damages: None: Inquiry/Miscellaneous: M49: Vehicle Rental - Theft or Loss of Use: None:. Chargeback reason code 10. UA02 Fraud – Card Not Present Transaction. 11, 16. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. ACH disputes pertain to various parties involved in an ACH transaction, which is an electronic funds transfer facilitated. There are two types of invalid chargebacks. “Late Presentment” is a reason code description for three of the four card brands (reason code 12. Survey data from the 2019 Chargeback Field Report found that 82% of merchants surveyed believed that the Visa Claims Resolution process had “little to no impact on chargeback management. 196First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for. That said, looking up purchases using this number can make it easier to provide info following an. Chargeback prevention strategies vary based on the reason for the. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. 7: Defective goods and services: C32: RM: 13. • Rule changes for chargeback reason codes involving unjust enrichment associated with credits issued before or after a chargeback and/or after a second presentment.