4: . Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. Betty's issuing bank assigned chargeback reason code 10. These codes are currently defined within the ANSI X9. Chargeback Reason Code. 7. Not remembering the original purchase. ) A no-nonsense summary of evidence that proves transaction is legit. A chargeback filed under Visa reason code 83 is invalid in an e-commerce transaction. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. 1003 - Transaction Supporting Document (TSD) needed for cardholder’s personal records expense reporting. 3 falls under the “Consumer Disputes” category. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. It is subject to change and may not include every currently known dispute reason code. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. This code applies when a cardholder disputes a charge, and the merchant is informed by the processor that there is a problem with the transaction currency code. You’ll put that reason code, the transaction amount and authorization number, and state that the. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 0: Changed report name from Downloadable Dispute Report to Case Report. Chargeback reason codes used to categorize fraudulent chargebacks include American Express reason code 193, Visa reason code 83, MasterCard reason code 4863, and Discover reason code 6040. They provide banking services to customers, allowing. A dispute often has a reason code associated with it. 2. It’s a good idea, but Mastercard’s new reason. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Removed Visa Chargeback Code 60. The good news is that most of these invalid claims are disputable by the merchant. Partial chargebacks usually occur when a cardholder contacts their bank to dispute specific items or charges that were part of a larger transaction. Description: Arbitration explanation should be provided when the reason code is 24. 3. Field name: arbitrationExplanation. A “No Authorization” code chargeback can also be the. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 4 Other Fraud Card Absent. S. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. Some reason codes have modifiers that can change what evidence is required, or that require additional evidence in the chargeback response. Chargebacks of any kind are nothing but trouble for merchants…yet many chargebacks are the. The credit will then appear on the cardholder’s statement as its own distinct. REQUEST A DEMO. Protect stored cardholder data. Most reason codes apply to any merchant, regardless of what’s being sold. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Each code begins with 'R' followed by a two digit number. 10 Tips to Prevent Fashion Chargebacks. . There are multiple situations in which this can occur. The code can be used in multiple specific situations, many of which had their own individual codes at one. Once you receive this notification, you have 11 days to submit a response. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. (See the reason codes for a full description. 1. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. 2: Canceled Recurring Transaction 13. Does this mean I could never get my money back? The buyer paid me on Mar. Do you know, a card holder can challenge the transaction dispute, if decision is ruled in favor of. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. Also, remember that the time frame for your response includes any processing required by the acquirer. While the format of chargeback reason codes varies depending on the card network, all codes are. Step 2: Customer initiates the chargeback. 1. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). All chargebacks start with a customer making a purchase in person, in an app, or online. , American Express, Discover, MasterCard, and Visa), there are 151 chargeback reason codes. Section5. A well-structured rebuttal letter should address the chargeback reason code, clearly explaining why the cardholder's dispute is not legitimate and why the funds should be returned to you. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Chargebacks. Date Option. Retry after 8 days. Below are the top causes of chargebacks including the reason codes established by leading credit card companies: Customer Dissatisfaction: Cardholder did not receive the items/service purchased, the products/services were not as described and/or product (s) was damaged or otherwise defective. This reason code indicates the cardholder had reason to believe they were going to receive a refund, but no credit to their account has been processed. The shorthand description is “Incorrect Transaction Code. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. Chargeback reason codes identify the general reason behind a chargeback. The first thing you should do when you receive a chargeback notification is to check the reason code that the card issuer assigns to the dispute. 8. 1. 2. 4: Other Fraud – Card-Absent Environment. Reason code 4853 refers to the broad category “Cardholder Dispute. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. Valid Values/Format: 22 - First Chargeback Handling Fee. 3 is the less common version for card-present transactions. Chargeback Reason Codes Reason code are the first key to understanding the root causes . Chargeback Reason Codes In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Claims Resolution. 3 falls under the “Authorization” category. There are over 80 unique return codes, each representing a different return type. Receiving a damaged product. This could be due to a variety of reasons, such as technical issues, human error, or delays in shipping or receiving goods. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. This extra step can be frustrating for Card Members and lead to lost sales. 1. The cardholder may be the customer or the someone who lent their card to a friend or relative. Visa chargeback reason code 12. 1002 - Cardholder disputes billed amount. 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. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. Depending on the code, that could mean gathering proof of authorization, signed receipts, proof of delivery, email correspondence and/or the cardholder’s IP address with transaction date and time for online purchases. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. Chargeback reason codes used to categorize fraudulent chargebacks include American Express reason code 193, Visa reason code 83, MasterCard reason code 4863, and Discover reason code 6040. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. MasterCard - 4863 Cardholder Does Not Recognize - Potential Fraud. We’ll Handle the Chargebacks. ”. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. A service chargeback is filed by a customer, which means that you need to note the card type and dispute reason code so that you can determine which types of information to submit if you dispute the claim. However, just because a chargeback is coded with a fraud or no authorization reason code does not mean true fraud has actually taken place. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. For each reason code, a definition isThe customer regrets their purchase. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. 4. Updated August 23, 2023. Availability Date: October 24th, 2021. 29. This chargeback occurs if the merchant is accused of processing a sale using card information from an earlier transaction. WEX began issuing chip cards in Q4, 2020. Cardholder Disputes. Overall returns (all codes): 15%. 3? Visa chargeback reason code 13. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. The EFTA was first enacted in 1978. This reason code indicates that the merchant processed a transaction without first obtaining a correct and valid authorization approval. Cost. e. Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. ” This reason code means that the cardholder is claiming that they did not authorize or participate in a card-not-present. Unfortunately, it is pretty challenging to prevent friendly fraud. Reason Code 02. The cardholder withdrew their chargeback: Provide a letter or email from the cardholder that states. Discover - RG Non-Receipt of Goods, Services, or Cash. . 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. This will be referenced in the chargeback notice you received. This alphanumeric code corresponds with the specific reason behind the chargeback, such as card-not-present fraud, incorrect currency, misrepresentation, or any other chargeback. If your issuing bank agrees with your claim, they will contact the merchant’s bank to notify them of the disputed charge. The documents you submit are essentially telling a story that you want to relay to the bank. Chargeback Reason Codes. Each bank card network has its owner list of reason codes banks must prefer from. The format depends on the credit card company. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. 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. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). This will be referenced in the chargeback notice you received. Terms and conditions. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. Values are: Blank: Use the draft G/L date. The immediate cause for this type of chargeback can be one of the following: The merchant processed a transaction from a person who was fraudulently using the card. The shorthand description is “Credit Not Processed. 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. Visa Chargeback Codes — removed retired codes. Now, compliance cases must be submitted through Visa Resolve Online (VROL). This list was generated 5/4/2022. Chargeback reason code 10. Specify the default reason code that you want the system to assign when you enter a chargeback amount. Betty's issuing bank assigned chargeback reason code 10. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Dec 6, 2021 — Betty's bank issued the chargeback for $9. Some credit card companies also include a short phrase describing the code. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. At Visa they used to receive reason code 98. Find explanations for the major credit card issuers’ dispute reason codes in the Cardholder Dispute Reason Code EncyclopediaReason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. . Expert Help. Each code begins with 'R' followed by a two digit number. This list was generated 5/4/2022. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. As MasterCard’s Codes can point to slightly different chargebacks reasons, we will review them in a separate article. Now, compliance cases go through Visa Resolve Online (VROL). . In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Search the Chargeback Reason Code Database. These chargebacks occur to resolve chargeback-related disputes between network members. She therefore, disputes the amount under the Reason Code 83: Fraudulent Transaction- Card- Not- Present Environment. 4853 – Cardholder Dispute – Goods or Services Not Provided. Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. Payment Transaction Response Codes. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. Updated these MasterCard Chargeback Codes: 08, 12, 55. Technical. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. 83: Referenced Customer Deceased: 86:Visa is planning to shake up the chargeback process with new compelling evidence rules for fraud disputes with Reason Code 10. 4. 4854 Cardholder Dispute—Not Elsewhere Classified (U. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. 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. 1 EMV Liability Shift Counterfeit Fraud 81(3) 10. 0 is to make the chargeback process more efficient, transparent, and fair. many chargeback reason codes that exist today. What is Visa chargeback reason code 13. This reason code indicates that the merchant processed a transaction using the wrong transaction code. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. Discover is a credit card network and an issuing bank—just like American Express. Step 1: The cardholder disputes a charge. This category of fraudulent chargeback is represented with the following reason codes: AMEX - C08 Goods/Services Not Received or Only Partially Received. Managing Reason Code 83 chargebacks. Below is a list of Mastercard chargeback codes used in eCommerce. 3 applies when a cardholder claims a charge—made in a card-present environment—was. CHARGEBACK REASON CODES THE ENCYCLOPEDIA recover lost r e c o v eyour r yo u r l orevenue st revenue Table of. Chargeback reason code 11. In general, this means the cardholder was not happy with a purchase and blames the merchant. This is commonly caused by either true fraud or friendly fraud. Card networks send these codes to merchants to indicate why a chargeback has been filed. 1: Use the corresponding dates from the invoice. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. #9. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. TOP REASON CODE. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature) The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. Reason codes are important to help merchants address recurring. 6. Others require banks to wait for a certain period before they can issue a chargeback. In other words: if you want to prevent forking over more revenue in the end due to chargeback fees, a simple, easy refund policy is the right way to go. Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. An issuing bank — sometimes called a “card issuer” or simply “issuer” — is a member of a card network that issues credit cards to consumers. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. Acquirer Use of Message Reason Code 7623. A recent survey reported that 83% of consumers intend to purchase a gift card this holiday season. As a merchant, your focus should be on finding and retaining customers--not chargebacks. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, and. Chargeback reason codes can change with new information. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. Banks may issue a credit to an account holder at their discretion. CE 3. Over the last three years, so-called friendly fraud has become the number-one source of fraud as reported by merchants are forced to deal with. For best results, your chargeback win rate should be as close to 100% as possible. 99. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. After compiling your evidence according to the provided reason code, it’s time to organize your response for submission. Reason code 83 represents a chargeback categorized as Fraud - Card Not Present (CNP) Transaction. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. The network hasn't wholly disallowed some old codes. Chargeback Reason Code 83: Fraudulent Transaction – Card Not Present (44. 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. Field name: reasonCode. Essentially, reason code 13. The implication is that the merchant is at fault. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. This can be the result of innocent merchant error, or intentional merchant fraud. ”. This reason code indicates that the merchant processed a transaction without first obtaining a correct and valid authorization approval. . EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. For each reason code, a definition is8. To take advantage of these new advice codes, merchants and their acquirers must learn to recognize the new data values and their meanings and use them. Administrative returns (R02, R03, R04): 3%. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. May 2011: 5. 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. 3 No Authorization. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. S. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. The shorthand description is “No Authorization. MasterCard International: Credit & Debit Authentication. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. Visa Chargeback reason code 83 is used when there is a complaint from cardholder that he or she neither participated in transaction nor authorized it, and approval wasn’t obtained at the time of transaction. Chargeback reason code 75 is issued when a card issuer receives a complaint from a cardholder stating that the name of the merchant that appears on the credit. 4837: Cardholder non-authorization. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment) 0: CAVV authentication results invalid - no verification performed: CAVV data not properly formatted Use standard authorization criteria with Issuer retaining chargeback rights: 8Chargeback Reason Codes Page 2 of 5. The chargeback applies to the following scenarios: The. Bank of America issues both Mastercard- and Visa-branded cards, so the exact requirements may vary depending on the Mastercard reason code or Visa reason code . Mastercard Chargeback Reason Code 71: Disputed Amount. 83 - Fraudulent Transaction. The transaction amount and authorization number (ARN. Across the four major credit card networks (i. The notification will also specify the terms of the agreement under which Amazon Pay will assist you in handling the chargeback. 3. The cardholder did not recognize the transaction on her statement or had her account taken by fraud. The chargeback can be for the total transaction amount or a lesser amount. This chargeback occurs if the merchant is accused of processing a sale using card information from an earlier transaction. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for. Here's a list of all the current Visa reason codes: Chargeback Code. The cashier processes the transaction but, forgets to take her signatures or imprint on the receipt. 3 is an updated version of legacy reason code 76, which was phased out under the Visa Claims Resolution initiative. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. 10. In most cases, you will have 20-45 days in which to respond to a chargeback. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Card no present transaction can be applied to internet health care transactions, mail orders. UA06 Fraud – Chip and PIN Transaction. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. For those unfamiliar with the concept, Friendly Fraud is when a cardholder claims fraudulent activity when a transaction was processed legitimately. Visa Chargeback reason code 83 is used when there is a complaint from cardholder that he or she neither participated in transaction nor authorized it, and approval wasn’t obtained at the time of. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. A Merchant Outlet is identified in the Global Merchant Chargeback Monitoring Program if it meets or exceeds all of the following monthly performance activity levels:. Please note that the most common Chargeback reason code for Allocation disputes is 10. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. The cardholder’s bank assigns a reason code to each chargeback before sending it to the merchant. 4840 — Fraudulent Processing of Transactions. Spot these types of chargebacks using the below reason codes. If this fails and the Issuer has already billed the Transaction to the Cardholder, the Issuer must creditthe Cardholder for the Chargeback amount. Merchants can find a. 83: Card Absent Fraud:. 3. The customer is claiming that this purchase was not authorized. 08. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. Stage 1: First Chargeback. These modifiers can range from where the transaction is processed to what kind of goods are purchased. If the customer’s story matches. 30. 4 disputes through Verifi’s Order Insight®,. A recent survey reported that 83% of consumers intend to purchase a gift card this holiday season. 2. Check the chargeback reason code. The codes for each card brand are listed below along with the recommended documentation to provide. In that way, winning one dispute may help prevent the next chargeback to come after it. Slideshow 7717267 by chargebackprevention 81 – Fraud – Card Present Environment 83 – Fraud – Card Not Present Environment Applicable Chargeback Reason Codes Effective for Representments Processed On or After 17 October 2015 30, 53, 81, 83 Evidence, such as photographs or emails, to prove a link between the person receiving the Description: Reason code for applying handling fee. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. To provide a successful chargeback representment case, Visa and other credit card companies allow (indeed, they urge) merchants to provide compelling evidence to. View the entire list or search for any chargeback reason code. 3. 0. Protected Chargeback Reason Codes: Visa USA: Credit & Debit Cards – Authentication & Attempts. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Customer Dispute. The keys to this are improved communication, enhanced customer satisfaction measures, and effective dispute resolution when necessary. The Reason Code is a number that represents the reason for an action in the chargeback process. After the withdrawal, the bank will create a chargeback reason code, meaning why they made the chargeback, and electronically transfer all the. 4854 Cardholder Dispute—Not Elsewhere Classified (U. For example, suppose a cardholder filed a case about an order processing issue, and you disputed the chargeback. Check with the issuing banks to determine what time limits may apply to you. The transaction was refunded prior to the initiation of the chargeback: provide proof of refund. Table A-1 shows all possible values for the <response> and. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. Under Visa Claims Resolution, the Visa dispute process is split into two different tracks, each with its own requirements. M10 Vehicle Rental – Capital Damages. Try Shopify free for 3 days, no credit card required. Chargeback Reason Codes; Chargeback Reason Codes. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. 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 Visa chargeback reason code 83 falls under the “Fraud” category. The cardholder may be the customer or the someone who lent their card to a friend or relative. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. Paymentology will submit the chargeback using the appropriate chargeback reason code. Below is a full list of reason codes that require compelling evidence: 37; 83; 1040; 1310; 7030; C08; F29; UA02; Empty reason codes; If a dispute has any other reason code, there are no specific evidence requirements, and the evidence does not need to be categorized. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. For more information on these and other updates, check out our complete chargeback reason. In most cases, the bank chooses a course of action based on information the cardholder provides. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes.