Chargeback reason codes.
An understanding of reason codes is foundational to defending against a chargeback. Our reference library below tracks the most common in plain English, with the network rules, eligibility frameworks, and issuer review patterns that apply to each.
Visa
Other Fraud, Card-Absent Environment
Visa · 10.4
Fraud · 30-day response window
No Authorization
Visa · 11.3
Authorization · 30-day response window
Late Presentment
Visa · 12.1
Processing Error · 30-day response window
Duplicate Processing or Paid by Other Means
Visa · 12.6
Processing Error · 30-day response window
Merchandise or Services Not Received
Visa · 13.1
Consumer Dispute · 30-day response window
Cancelled Recurring Transaction
Visa · 13.2
Consumer Dispute · 30-day response window
Not as Described or Defective Merchandise or Services
Visa · 13.3
Consumer Dispute · 30-day response window
Credit Not Processed
Visa · 13.6
Consumer Dispute · 30-day response window
Cancelled Merchandise or Services
Visa · 13.7
Consumer Dispute · 30-day response window
Mastercard
Authorization-Related Chargeback
Mastercard · 4808
Authorization · 45-day response window
Transaction Amount Differs
Mastercard · 4831
Processing Error · 45-day response window
No Cardholder Authorization
Mastercard · 4837
Fraud · 45-day response window
Late Presentment
Mastercard · 4842
Processing Error · 45-day response window
Cardholder Dispute
Mastercard · 4853
Consumer Dispute · 45-day response window
Cardholder Does Not Recognize
Mastercard · 4863
Fraud · 45-day response window
Amex
Credit Not Received
Amex · C02
Consumer Dispute · 20-day response window
Goods or Services Not Received, or Only Partially Received
Amex · C08
Consumer Dispute · 20-day response window
Cancelled Recurring Billing
Amex · C28
Consumer Dispute · 20-day response window
Goods or Services Not as Described
Amex · C31
Consumer Dispute · 20-day response window
No Cardmember Authorization
Amex · F24
Fraud · 20-day response window