Chargeback reason codes

Every chargeback notice has a dispute reason, a short code like 13.1. Find yours below to see what the customer is claiming and what proof the bank looks for.

Visa

Deadline: the due date on your notice

Customer says they didn't make the online purchaseVisa 10.4, Fraud.
The bank says the sale was never approvedVisa 11.3, Authorization.
The charge was collected too long after approvalVisa 12.1, Processing Error.
Customer was charged twice, or paid another wayVisa 12.6, Processing Error.
Customer says the order never arrivedVisa 13.1, Consumer Dispute.
Customer says they cancelled a subscriptionVisa 13.2, Consumer Dispute.
Customer says the item was not as described or faultyVisa 13.3, Consumer Dispute.
Customer says the purchase was misrepresentedVisa 13.5, Consumer Dispute.
Customer says a promised refund never arrivedVisa 13.6, Consumer Dispute.
Customer says they cancelled the orderVisa 13.7, Consumer Dispute.

Mastercard

Deadline: the due date on your notice

The bank says the payment wasn't properly approvedMastercard 4808, Authorization.
Customer was charged a different amount than agreedMastercard 4831, Processing Error.
Customer says they didn't make the purchaseMastercard 4837, Fraud.
The charge was collected too long after approvalMastercard 4842, Processing Error.
Customer says the order didn't arrive or wasn't as describedMastercard 4853, Consumer Dispute.
Customer doesn't recognise the chargeMastercard 4863, Fraud.

Amex

Deadline: the due date on your notice

Customer says a promised refund never arrivedAmex C02, Consumer Dispute.
Customer says the order never arrived, or only part of itAmex C08, Consumer Dispute.
Customer says they cancelled a subscriptionAmex C28, Consumer Dispute.
Customer says the item was not as describedAmex C31, Consumer Dispute.
Customer says they didn't authorize the chargeAmex F24, Fraud.
Customer says they didn't make the online purchaseAmex F29, Fraud.

Discover

Deadline: the due date on your notice

Customer says a promised refund never arrivedDiscover CD, Consumer Dispute.
Customer says the order never arrivedDiscover RG, Consumer Dispute.
Customer doesn't recognise an online chargeDiscover UA, Fraud.

Chargeback reason codes

Visa

Mastercard

Amex

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