Review your credit card processor’s policies to understand its chargeback dispute process. FR6 Partial Immediate Chargeback Program. American Express Chargebacks / Disputes. Here’s how. Dispute Category. • Clarified support required to request a Chargeback Reversal for Credit not processed (ISO 4513) / Goods/ services returned or refused (C04). For best results, your chargeback win rate should be as close to 100% as possible. Identify issues within 24 hours of a cardholder dispute, rather than waiting. com Europe. Time and Labor. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Knowing these codes can help you dispute chargebacks more effectively. 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. Under Set Order Status, select None, Refund, or Chargeback. Be careful not to process canceled or voided transactions. Next, you can log in to your PayPal account and click on Open Cases in the Resolution Centre. The time limit for Reason Code 90 is 45 calendar days from the transaction processing date. Chargeback Reason Codes and Descriptions. 0 is to make the chargeback process more efficient, transparent, and fair. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. 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. In that way, winning one dispute may help prevent the next chargeback to come after it. Discover Chargeback CodesMDR also retired reason code 4840 – Fraudulent Processing of Transactions. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. All reason codes. A01 = Charge amount exceeds authorisation amount. com. 7: Defective goods and services: C32: RM: 13. 4 Other Fraud Card Absent. C08 = Goods/Services not received or only partially received. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. 4854 Cardholder Dispute—Not Elsewhere Classified (U. 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. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. ”. Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program”, are excluded from program monitoring. MasterCard does not have an equivalent reason code. Use this guide as a quick resource for Visa chargeback reasons at a. As we touched on earlier, chargebacks can happen due to technical errors. Justt offers an end-to. FR2 Fraud Full Recourse Program. 9808 [email protected] 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. A reason code is how banks categorize the reason for a chargeback. C04 – Goods / Services Returned or Refused. There are several types of chargeback reason codes that can be used, including the following: 1. Below is a list of Mastercard chargeback codes used in eCommerce. So don’t spend another second worrying about chargebacks. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. 0 to 5. 4 – Other Fraud – Card Absent. The cost to diagnose the C0114 code is 1. The shorthand description is "'No Show’ or CARDeposit Canceled. • Removed reason code 4840 (Fraudulent Processing of Transactions) Chapter 1—General Information. Here’s how your store can prevent and deal with chargebacks. ️ Take quick action. All chargebacks start with a customer making a purchase in person, in an app, or online. Amex Chargeback Reason Code C14: Paid by Other Means Description Cardholder complaints with his card issuer that he was willing to pay for a transaction with the credit. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. • 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 shorthand description is “Paid by Other Means. C05 = Goods/Services cancelled. Once you hear from. 4853 – Cardholder Dispute – Credit Not Processed. Either the acquiring or issuing bank could initiate the. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. 65% with at least 75 total disputes. Yes. Customer Dispute. [noun]/* chahrj • bak • rə • pôrt/. For more information on these and other updates, check out our complete chargeback reason. Chargeback representment succeeds when you can present your rebuttal concisely and substantiate. 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 To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. Chargebacks911® can help your business manage all aspects of chargeback reason codes, using proprietary technologies and experience. 4. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. Reason Code. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. How to Manage ‘Late Presentment’ Chargebacks. 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. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. 6). 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. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Excessive Chargebacks: The merchant exceeded established chargeback thresholds. Reason codes are important to help merchants address recurring. Here are the most common: Fraud: When a purchase was made on a credit card without the authorization or consent of the cardholder. Reason Code 04. High-Risk (Excessive): Reaching a chargeback ratio of. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—QuestionableBut for illegitimate claims, the reason code doesn’t give the real reason for the dispute. This means the. To do so, you should open your Wallet app and tape “Apple Card. Here’s a look at the reason codes for the same scenario from the major credit card companies: Visa: Reason Code 30 Services not provided or merchandise not received. Date Option. A chargeback happens when a customer requests for a transaction to be reversed. Once you submit the documentation to Wave, our Disputes Resolution Team will work on the case, and submit the required information to the bank on your behalf. STEP #7: Bank Review & Decisioning. 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. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. For example, Mastercard has a code which indicates a ‘consumer dispute. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. Once filed, the merchant generally has 20. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. MasterCard: Reason Code 4859 Services not rendered. Cause. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. 7. Visa Chargeback Reason Codes; MasterCard. About American Express chargeback reason codes. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. In all, there are four major categories of Chargeback Reason Codes. 103. It was originally just one facet of legacy reason code 81. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Not remembering the original purchase. 3. Time Frames by Chargeback Type and Reason Code. Chargebacks911® can help your business manage all aspects of chargeback reason codes, with proprietary technologies and experience. It’s generally more efficient to take a proactive stance when it comes to chargeback management. Mastercard Chargeback Reason Code 71: Disputed Amount. 1 Quick Reference Lead. The list of chargeback reason codes in this article is organized by card brand and type of dispute. 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 TRRChargeback reason codes are one piece of evidence you can use to make your case. S. Chargeback reason code. 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. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. The same is true of all chargeback reason codes. Unauthorized returns (R05, R07, R10, R29, R51): 0. 1 Chargeback reason codes. It can range from 60 to 120 days from the billing date. many chargeback reason codes that exist today. Both Visa and MasterCard use special Reason Codes to designate chargebacks resulting from a late deposit of credit card transactions. The diagnosis time and labor rates at auto repair shops vary. Reason codes vary by card brand. UA06 Fraud – Chip and PIN Transaction. This Chargeback Reason Code has to do with all. Chargeback Reason Codes Page 2 of 5. 4. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. There are over 80 unique return codes, and each one represents a different type of return. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. CODE: DESCRIPTION: A01: Charge Amount Exceeds Authorization Amount. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. 5 Appendi New Reason Code 1149 – Addition of New Reason 70 x C23 “ Lost or Stolen. C14: Paid By. A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some instances. Number two: Product Not Received chargebacks. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Reason Code North-America: Canada and United States of America; Reason Code: All other countries;. 2 address the specific dispute reason with the documents you send. Cardholders can dispute digital goods transactions of $25 or less (or the equivalent in local currency) if certain purchase controls were not put. 1 Merchandise/Services Not Received . There are a wide range of reasons, valid. C14: Paid By Other Means: 120: Processing Errors: Amex: C18: Cancelled Trans / No Show: 120: Cardholder Dispute: Amex: C28:Stage 1: First Chargeback. However, the 30 day waiting period can be waived if you’ve. So the company has more incentive to side with customer during cardholder. Explanation. compliance process depending on whether a chargeback right exists. United States. • Clarified support required to request a Chargeback Reversal for Cancelled recurring billing (ISO 4544/C28). The implication is that the merchant is at fault. When one cardholder initiates a dispute with their issuing bank, a. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. 104. Reason Code North-America: Canada and United States of America; Reason Code: All other countries;. ”. C28 – Cancelled. Please note that the most common Chargeback reason code for Allocation disputes is 10. For Visa disputes, the reason code also dictates which workflow the case will take. Unfortunately, the final decision in such cases comes down to the issuing bank, and not. Today, there are several other reasons why chargebacks occur. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. The transaction amount is re-charged to the cardholder’s account, and the funds go back into your bank account. Cardholder Disputes. 3. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. By entering your email, you agree to receive marketing emails from Shopify. Below is a list of Mastercard chargeback codes used in eCommerce. 2022 Visa Chargeback. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. For all other transactions, the maximum amount of. Every chargeback comes with a reason code. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. Check the chargeback reason code. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. There are over 80 unique return codes, and each one represents a different type of return. The shorthand description is “Incorrect Account. Standard Threshold: Reaching a chargeback ratio of 0. The customer regrets their purchase. Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. 'luhfw fruuhvsrqghqfh wr wkh dssursuldwh hpdlo edvhg xsrq wkh uhdvrq frgh ri wkh lvvxh olvwhg ehorz <rx pd frpelqh lvvxhv iru gliihuhqw uhdvrq frghv lq wkh vdph fruuhvsrqghqfh rqo li wkh hpdlo ghvwlqdwlrq lv wkh vdph <rx pd. It can range from 60 to 120 days from the billing date. A chargeback can happen when a customer initiates a transaction dispute. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. 10. Ensure card-present transactions are magnetic stripe read or chip-read. If more information is needed, you’ll either receive an Inquiry or a Chargeback. Some payment service providers like PayPal and Stripe have their own reason codes as well. Timeframe: Under card network rules, a cardholder has up to 120 calendar days from the settlement date to initiate a chargeback (depending on the chargeback reason code). 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. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Other Fraud—Card Present Environment. What is Visa Reason Code 11. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. 6: Duplicate processing/Paid by other means. Multiple Authorization Requests. 1 chargeback: 1. Not recognizing your billing descriptor on a statement. 0 hour of labor. The chargeback reason code. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. Improve the customer experience by resolving issues quickly. Following the prompts. Other Ineligible Transactions Under Reason Code 62, Condition 2 . Discover uses unique codes to explain those reasons to merchants. Most commonly the payer is a consumer. EMV Liability Shift Counterfeit Fraud. Merchants can find a. 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). The merchant processed a random account number and didn't obtain the owner's authorization. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. 5 Categories of Visa Chargeback Reason Codes. The date the services were cancelled. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Specify the default reason code to. Reason codes vary by card brand. 02/10/16 Added Debit Chargeback Reason Codes. The incorrect amount being charged. 4. UA06 Fraud – Chip and PIN Transaction. Reason Codes 74. [noun]/* kə • stə • mər • di • spyo͞ot/. On that note, below are some vendor missteps that could result in Visa reason code 13. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. 0. The system does not accept blank as a value, even if it is defined in the user defined code table. Betty's issuing bank assigned chargeback reason code 10. 3. Reason Code 53 Re-presentment Conditions. Cardholder was charged for a transaction that was paid using an alternate form of payment. If a customer makes a chargeback request on the basis that he or she has not authorised the transaction, the customer's bank will charge the transaction back to the merchant’s bank. Values are: Blank: Use the receipt G/L date. 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. If you cannot read the chip or swipe the card, always create a manual card imprint. 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. Learn the details, the cause, how to respond and how to prevent Visa Reason Code 13. A chargeback happens when a customer requests for a transaction to be reversed. Only an issuer can initiate the chargeback process. . Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. 42 - Late Presentment. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. EMV Liability Shift Non-Counterfeit Fraud. Discover chargeback reason code 7030. Chargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. 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. 3: Goods or services were not as described: C31: RM: 13. Discover is a credit card network and an issuing bank—just like American Express. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. The chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. Visa chargeback reason codes. The diagnosis time and labor rates at auto repair shops vary depending on the location, make and model of the. Look below the surface. To do so, they must provide evidence to the issuing bank that the. Chargeback reason codes were created to standardize the list of acceptable reasons why a bank may file a credit card chargeback or debit chargeback on their customer’s. The cardholder has provided American Express with proof of payment by another method. All ACH return reason codes consist of the letter “R” followed by two. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet phone, or mail orders. Card Brand Code Description. The tickets were held at the box office, and no signature, swipe or imprint. For example, 10. Quickly and proactively respond to customer complaints. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Batch chargeback process. In the case of friendly fraud, that reason could be completely invalid and. The most comprehensive guide to chargeback reason codes. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Typical chargeback reason codes are: DA: Disputed amounts DD: Unearned (disallowed) discount amount Note. What is Visa chargeback reason code 12. ”. TC40 and SAFE data also isn’t always reported before a chargeback is filed. Visa uses chargeback Reason Code 86 to designate chargebacks resulting when the card issuer receives a written complaint from the cardholder stating that the payment for the transaction at issue was made by other means, not with the credit card that was charged. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. Mastercard: n/a This chargeback is caused by Authorization. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 4. com Europe. 18167 US Highway 19 N Clearwater, FL 33764 877. A reason code is how banks categorize the reason for a chargeback. The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type of chargeback. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. One of three things will happen: The issuer rules in your favor: Your representment case validates the original transaction. 4859 Addendum, No-show, or ATM Dispute. Also, just like American Express, Discover functions as both a card network and an. The aim of CE 3. The reason code. 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. The assigned chargeback reason code outlines why a customer submitted the dispute. The number one reason a merchant loses a chargeback dispute? Responding too late, followed by not responding according to the bank’s or card service’s specific requirements. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. If you did not receive the email, open Mave, Wave’s automated chatbot, and. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. Your chargeback response must include at least one of the following items: If the alternate form of payment was for an unrelated charge, provide proof of two separate. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. Fraudulent TransactionsThe Electronic Fund Transfer Act is a piece of US legislation that requires banks to provide certain information to customers regarding electronic fund transfers (EFTs). Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. CHARGEBACK REASON CODESThis 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. Authorization Reason Codes. Visa also overhauled its system of chargeback reason codes. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. Technical. These reason codes. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature) Visa Chargeback Reason Codes Mastercard Chareback Reason Code; 30: Services Not Provided or Merchandise Not Received 57: Fraudulent Multiple Transactions 62: Counterfeit Transactions 81: Fraud- Card-present environment 83: Fraud- Card-absent environment 13. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity 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. 1. 2 address the specific dispute reason with the documents you send. 102. Click the Update Chargeback link to edit the chargeback details. Reason. Try Shopify free for 3 days, no credit card required. Chargeback. 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. There are plenty of reasons as to why this would happen, hence the many. 1? Visa chargeback reason code 12. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. A new 4 byte reason code will be used moving forward. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. Click on “report a problem” and select the transaction in question. Feel free to submit topic suggestions, questions or requests for advice to:. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). The chargeback system is built around reason codes, but as it turns out, those codes are notoriously inaccurate at showing the true source behind a claim. 2. These chargebacks occur to resolve chargeback-related disputes between network members. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. 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. Clerical In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. Chargeback reason code 75 is issued when a card issuer receives a complaint from a cardholder stating that the name of the merchant that. 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. For U. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. 4 Fraud – Card-Absent Environment. The aforementioned chargeback occurred on January 19, 20. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. A02 – No Valid Authorization. Step 2: Find your case. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. Reason Code 02. C14:. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. 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. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. About American Express chargeback reason codes. If the chargeback stems from the use of non-EMV readers, for example, the merchant should implement compliant terminals. Merchants. C14: Cardholder Provided Proof Paid by Other Means: C15: Cardholder Provided Proof Paid by Other Means: C16: International Card – Can’t Charge for this good/service: C17: AmEx Card Not Valid In US: C18:Code 4807: Fraudulent Card-Present Transaction. . 08. Step 2: Find your case.