Make sense of chargeback reason codes using our directory.
View the entire list below or search for any reason code.
Learn everything you need to know about chargeback reason codes including: the details, the cause, how long merchants have to respond and the steps to prevention.
10.1: EMV Liability Shift Counterfeit Fraud
The customer claims a counterfeit chip card was used, and they were not part of the transaction.
10.2: EMV Liability Shift Non-Counterfeit Fraud
The cardholder claims you processed a stolen or used a PIN preferring chip card on a terminal that wasn’t EMV PIN compliant.
10.3: Other Fraud: Card-Present Environment/Condition
The cardholder claims they did not authorize or participate in an unattended or key-entered card transaction.
10.4: Other Fraud – Card-Absent Environment
The cardholder claims they did not authorize or participate in a card-absent transaction.
10.5: Visa Fraud Monitoring Program
The Visa Fraud Monitoring Program (VFMP) marked the transaction as fraudulent.
11.1: Card Recovery Bulletin
The merchant didn’t request authorization for the transaction. So they didn’t know the account number was listed in the Card Recovery Bulletin (CRB) and that they should have terminated the transaction.
11.2: Declined Authorization
The merchant received a declined or Pick Up Card authorization response but decided to complete the transaction.
11.3: No Authorization
The receiving merchant processed a transaction without obtaining authorization, or they sought authorization after processing the transaction.
12.1: Late Presentment
The merchant completed the transaction past the specified time limits.
12.2: Incorrect Transaction Code
The merchant submitted a transaction with the wrong transaction code, i.e., they sent a debit instead of a credit or vice versa.
12.3: Incorrect Currency
The merchant processed the wrong currency code, or the cardholder wasn’t notified or didn’t agree to the Dynamic Currency conversion.
12.4: Incorrect Account Number
The account number authorized is different from the account number used to process the transaction.
12.5: Incorrect Amount
The cardholder claims that:
12.6.1: Duplicate Processing
The cardholder claims that the same transaction was processed multiple times.
12.6.2: Paid by Other Means
The cardholder claims that they made payments by other means, i.e., check, cash, or another card.
12.7: Invalid Data
The merchant obtained authorization using incorrect or invalid data.
13.1: Merchandise/Services Not Received
The cardholder claims they didn’t receive the merchandise they ordered or canceled their order because they didn’t receive the goods or service on the set delivery date.
13.2: Canceled Recurring Transaction
The cardholder claims the merchant processed a canceled recurring transaction or after the cardholder closed their account.
13.3: Not as Described or Defective Merchandise/Services
The cardholder claims the merchandise received isn’t as it was described (verbally or in the transaction receipt), arrived defective or damaged, or its quality isn’t as expected.
13.4: Counterfeit Merchandise
A reliable third party (customs agency, the intellectual property’s owner, an authorized representative, or a law enforcement agency) identified the merchandise as counterfeit.
The cardholder claims the terms of sale were vague, inaccurate, and misleading.
13.6: Credit Not Processed
The cardholder claims they received a voided transaction or credit receipt that wasn’t processed.
13.7: Canceled Merchandise/Services
The cardholder claims they canceled a service or returned merchandise but didn’t receive a refund.
13.8: Original Credit Transaction Not Accepted
The OCT (Original Credit Transaction) wasn’t processed and the merchant receives the money back from the cardholder. This is a reverse chargeback; however, it is considered like a chargeback for the purpose of determining fees and the merchant’s chargeback ratio.
13.9: Non-Receipt of Cash or Load Transaction Value
The cardholder claims they received a partial amount or nothing from an ATM withdrawal.
4837: No Cardholder Authorization
A card-not-present transaction occurs, and the cardholder claims they didn't authorize or participate in the transaction.
4840: Fraudulent Processing of Transactions
The cardholder acknowledges they authorized a transaction at a specific location but denies knowledge of other extra transactions at the same location.
4849: Global Merchant Audit Program (GMAP)
The merchant is listed on the Global Merchant Audit Program. To file under this reason code, the fraudulent transaction should have occurred in the period listed in the Global Security Bulletin.
4849: Questionable Merchant Audit Program (QMAP)
The merchant is added to the Questionable Merchant Audit Program. To file under this reason code, the fraudulent transaction should have occurred in the period detailed in the Global Security Bulletin under the QMAP.
4849: Rule 3.7 Violation for Coercion Claim
Mastercard confirmed that the merchant violated their Integrity of Brand and Network rule (Rule 3.7) more than twice within a case detailed in the noncompliance confirmation letter.
4870: Chip Liability Shift
The cardholder claims the purchase was unauthorized. Either the transaction was processed with a forged EMV chip card or the merchant processed a transaction using a counterfeit card on a terminal that would've detected fraud had it been EMV compliant.
4871: Chip/PIN Liability Shift – Lost/Stolen/Never Received Issue Fraud
The cardholder claims they didn't authorize the transaction because they don't have the card. Or that the merchant processed the transaction without getting the cardholder's PIN.
4808: Warning Bulletin File
This reason code is transitioning from the legacy code 4807. A cardholder claims the merchant didn't get authorization for said transaction.
4808: Authorization-Related Chargeback
The merchant didn't seek authorization for the transaction processed.
4808: Account Number Not on File
This reason code is transitioning from legacy code 4812. The issuer couldn't find the account number used on file.
4808: Required Authorization Not Obtained
The merchant didn't acquire the required authorization.
4808: Expired Chargeback Protection Period
The transaction was settled after the expiration deadline. At this point, the cardholder's account wasn't active or in good standing.
4808: Multiple Authorization Requests
The issuer declined a transaction, but it was later approved in X-Code or Stand-In. X-code is backup processing serving acquirers when their systems are down and cannot process transactions. In contrast, stand-in processing offers backup authorization to issuers when their main authorization systems cannot respond to authorization requests.
4808: Cardholder-Activated Terminal 3 Device
An unauthorized transaction was processed at an unattended terminal (cardholder-activated terminal).
4834: Point of Interaction Error
Cardholder claims they were billed multiple times for the same transaction.
4834: Transaction Amount Differs
This reason code is transitioning from the legacy code 4831. The cardholder claims the transaction amount on the receipt differs from what the cardholder was charged.
4834: Point-of-Interaction Currency Conversion
This reason code is transitioning from the legacy code 4846. The cardholder claims they weren't presented with the option to choose a preferred currency or that the merchant implemented the currency conversion wrong.
4834: Late Presentment
This reason code is transitioning from the legacy code 4842. The merchant didn't deposit the transaction within the set timelines.
4834: Duplication/Paid by Other Means
The cardholder claims they were billed multiple times for the same transaction.
4834: Loss, Theft, or Damages
The cardholder claims the merchant processed an unauthorized charge of loss, theft, and damage upfront, even before they used their service.
4834: ATM Dispute
The cardholder claims the ATM dispensed a different amount from what they were actually charged or the ATM withdrawal was debited several times.
4834: Unreasonable Amount (Europe)
The cardholder claims the transaction amount is unreasonable.
4834: Late Presentment (Europe)
The merchant didn't submit the transaction within the specified timeframe, and the cardholder's account is now closed.
4834: Correct Transaction Currency Code Not Provided/Currency Error (Europe)
The cardholder states they didn't have the opportunity to choose a currency, or the merchant incorrectly applied currency conversions.
4853: Cardholder Dispute of a Recurring Transaction
The cardholder claims the merchant billed their card even after they canceled a subscription, or they didn't know it was a subscription, to begin with.
4853: Goods or Services Not Provided
The cardholder claims they didn't receive the service or product.
4853: No-Show Hotel Charge
The cardholder claims they were billed a no-show fee despite canceling the reservation within specified timelines or using the facilities. Alternatively, the no-show billed was higher than the rate quoted initially.
4853: Addendum Dispute
The cardholder claims they only authorized one transaction but found multiple transactions they didn't authorize after the initial valid transaction.
4853: Credit Not Processed
This reason code is transitioning from the legacy code 4860. The cardholder claims they expect a credit, but the merchant hasn't processed the request.
4853: Goods/Services Not as Described or Defective
The cardholder claims the service or merchandise they received wasn't according to the description they got during the purchase.
4853: Digital Goods $25 or Less
This reason code is transitioning from the legacy code 4841. The cardholder claims there were unauthorized purchases due to a lack of purchase controls.
4853: Counterfeit Goods
The cardholder claims the merchant delivered counterfeit products.
4853: Transaction Did Not Complete
This reason code is transitioning from the legacy code 4855. The cardholder didn't use the service or merchandise as they thought the transaction didn't process.
4853: Credit Posted as a Purchase
This reason code is transitioning from the legacy code 4860. The cardholder claims their account was debited instead of credited.
The cardholder claims that the timeshare or a similar provision was canceled within Mastercard’s timeframe, but the merchant charged them anyway.
4853: Issuer Dispute of a Recurring Transaction
The issuer requested you to cancel a subscription bill, but you continued to process it, or a chargeback for a past recurring transaction was filed.
4854: Not Classified Elsewhere (US)
The cardholder tried resolving a dispute with the merchant but was unsuccessful.
4859: Addendum, No-Show, or ATM Dispute (Europe)
The cardholder claims that they didn't get cash from the ATM or it only dispensed part of the requested amount.
4850: Installment Billing Dispute
The cardholder claims that they received an incorrect installment charge.
4999: 4999: Domestic Chargeback Dispute (Europe)
Used when a cardholder claims a particular transaction charged as a sale should have been a credit.
F10: Missing Imprint
The cardholder claims they didn’t participate in the transaction, and the merchant didn’t get an electronic or physical imprint of the card (card-present environment).
F14: Missing Signature
The cardholder claims they didn’t participate in or authorize a transaction verified by a signature, nor does the merchant have a copy of a signed receipt to prove otherwise.
F24: No Cardmember Authorization
The cardholder agrees they’ve transacted with the merchant before but claims they didn’t authorize the particular transaction.
The merchant processed a telephone, mail, or internet order in which the cardholder claims they didn’t authorize or participate.
F30: EMV Counterfeit
The merchant processed a transaction using a counterfeit card, and the cardholder denied participating in the transaction. The merchant didn’t flag the counterfeit card because they used a POS system that’s not chip and PIN enabled, or they manually keyed the transaction.
F31: EMV Lost/Stolen/Non-Received
A transaction was made using an actual credit card, but the cardholder claims they didn’t participate in the transaction since their card was stolen, lost, or never received. The merchant didn’t detect the fraud because they manually keyed the transaction or used a terminal that wasn’t PIN and chip-enabled.
A01: Charge Amount Exceeds Authorization
The amount the merchant sought approval for was less than the transaction amount.
A02: No Valid Authorization
The merchant processed a declined transaction, or the card was expired.
A08: Authorization Approval Expired
Your authorization approval expired before you could charge the card.
C02: Credit Not Processed
The cardholder claims the merchant was to issue a refund, but the amount hasn’t been credited to the card.
C04: Goods/Services Returned or Refused
The cardholder didn’t accept the delivery of services or goods or returned the products, but the merchant didn’t process a credit.
C05: Goods/Services Canceled
The cardholder claims they canceled their order, but the merchant failed to issue a refund.
C08: Goods/Services Not Received or Only Partially Received
The cardholder claims they didn’t receive the service or product purchased. Or they partially received what was promised.
C14: Paid by Other Means
The cardholder claims you charged their card for a transaction they paid through other methods.
C18: "No Show" or CARDeposit Canceled
The cardholder claims the merchant billed them for a lodging reservation that they had canceled. Or they didn’t receive a credit for a CARDeposit charge. A CARDeposit is a provision that allows merchants to submit charges for deposits provided the merchant follows the program rules.
C28: Canceled Recurring Billing
The cardholder claims they were still charged even though they canceled their subscription or revoked their permission to the recurrent billing arrangement.
C31: Goods/Services Not as Described
The cardholder claims they received services and merchandise different from what was described.
C32: Goods/Services Damaged or Defective
The customer claims they received defective, damaged, or faulty merchandise.
P01: Unassigned Card Number
The merchant processed a transaction with an incorrect or invalid card number.
P03: Credit Processed as Charge
The merchant debited the cardholder’s account instead of crediting it.
P04: Charge Processed as Credit
The cardholder claims the merchant should have processed a regular transaction on their card, but instead, the merchant credited their account.
P05: Incorrect Charge Amount
The merchant processed a different amount from what they got authorization for/the cardholder agreed to.
P07: Late Submission
The merchant didn’t submit the transaction in the required time.
P08: Duplicate Charge
The cardholder claims they received a voided transaction or credit receipt that wasn’t processed.
P22: Non-Matching Card Number
The card number the merchant charged the transaction to isn't assigned to a cardholder or a valid account.
P23: Currency Discrepancy
The merchant made multiple transaction currency errors.
R03: Insufficient Reply
American Express requested additional transaction information but the merchant didn’t offer sufficient information.
R13: No Reply
American Express sent the merchant an inquiry to get more information about a transaction but the merchant didn’t send a reply in good time.
M01: Chargeback Authorization
American Express sent a transaction inquiry to the merchant, but the merchant responded by authorizing American Express to process a chargeback for the transaction.
IC: Illegible Sales Data
A merchant responds to a retrieval request with a copy of an illegible sales receipt.
UA01: Fraud/Card Present Environment
The cardholder claims an unauthorized card-present transaction was completed using their credit card.
UA02: Fraud/Card-Not-Present Environment
The cardholder claims that they did not participate in or authorize a card-not-present transaction. It could be a telephone, mail or internet order.
UA05: Fraud/Chip Counterfeit Transaction
The cardholder claims their chip card was counterfeited, and the merchant processed a transaction with the counterfeit card on a non-EMV-compliant POS terminal that couldn’t detect the fraud. As a result, they claim the transaction was unauthorized.
UA06: Fraud/Chip-and-Pin Transaction
The cardholder possesses a PIN-preferring credit card, but your POS is either not PIN-enabled or allows the shopper to bypass the PIN entry.
UA10: Request Transaction Receipt (Swiped Card Transactions)
Discover is requesting additional information for a card-present transaction a cardholder claims was unauthorized.
UA11: Cardholder Claims Fraud (Swiped Transaction, No Signature)
The cardholder claims the transaction was fraudulent and that the merchant didn’t follow the correct authentication procedures or the merchant didn’t obtain their signature.
NA: No Authorization
The merchant didn’t seek authorization for the card transaction.
DA: Declined Authorization
The merchant completed a transaction even after the authorization request was declined.
AT: Authorization Non-compliance
The merchant processed a transaction without getting a positive authorization response, or a response came after the card’s expiry.
EX: Expired Card
The cardholder claims the transaction isn't valid because it was processed after the expiry of their credit card.
IN: Invalid Card Number
The merchant processed a transaction against an unassigned, invalid or incorrect card number.
LP: Late Presentment
The merchant failed to process the transaction in good time, and now the issuer cannot collect the transaction amount from the cardholder.
05: Good Faith Investigation Chargeback
Following the retrieval process, the issuer started a good faith investigation, and the merchant accepted liability. A good faith investigation is a dispute that can be initiated well after the standard disputing timeframe has elapsed.
AA: Cardholder Does Not Recognize
The cardholder claims they don’t recognize the charge on their statement.
AP: Canceled Recurring Transaction
The cardholder claims the merchant processed a transaction after their payment plan ended or after they had canceled the subscription.
AW: Altered Amount
The cardholder claims the charged amount is different from the authorized amount.
DP: Duplicate Processing
The merchant processed one transaction two or more times.
CD: Credit Posted as Card Sale
The merchant debited instead of crediting the cardholder’s account.
NF: Non-Receipt of Cash from ATM
The ATM didn’t disburse the full cash withdrawn by the cardholder.
PM: Paid by Other Means
The cardholder paid for merchandise or service with alternative forms of payment, but their card was still charged.
RG: Non-Receipt of Goods or Services
The cardholder claims they didn’t receive the service, merchandise or money as promised.
RM: Quality Discrepancy
The cardholder claims the service or goods purchased weren’t as described or were defective.
RN2: Credit Not Received
The cardholder claims the merchant promised a refund, but they haven’t processed it yet.
DC: Dispute Compliance
The merchant has not complied with Discover’s rules.
NC: Not Classified
Refers to any claims of an invalid transaction that doesn’t fall in other code classifications.