Reason Code RN2Credit Not Received

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Card Issuer


Reason Code



Service Dispute


The cardholder claims the merchant promised a refund, but they haven’t processed it yet.


  • The cardholder rejected the delivery of services and merchandise but hasn’t received a credit.
  • The cardholder returned the merchandise, and the merchant agreed to a refund but hasn’t processed it.
  • The merchant doesn’t give refunds nor accept returns.


Cardholders and issuers have 120 days to file a dispute related to the claim against the merchant.

Merchants have 30 days to respond to the claim in dispute.

Steps to Prevention

  • Have a clear and easy-to-find cancelation or refund policy.
  • Fulfill the refund and cancelation requests promptly so that they appear on the cardholder's following statement.
  • If you plan on crediting the cardholder for a smaller amount, notify the cardholder before processing the credit.
  • Don't accept a return if it's not in line with your return policy.
  • Explain if you accept returns or follow a limited return policy.
  • Notify the cardholder when you process the credit.


The dispute filed by the cardholder cannot exceed being filed 540 days after the following:

  • The date of the transaction
  • The date of receiving the credit
  • The date of returning the merchandise
  • The date of service cancelation
  • The date of making a reservation  

However, issuers must wait 10 days following the reservation or cancelation date or when the merchandise was returned to file a chargeback. 

If the retrieval request is returned to the issuer by the acquirer after the 120-day deadline, the issuer gets an extra 30 days to file a chargeback.

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