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Chargeback Reason Codes
Complete Visa, Mastercard, and Amex chargeback reason code reference with time limits, pre-arb deadlines, and required evidence.
Showing 24 of 24 codes
| Code | Name | Category | Time Limit | Pre-Arb | Key Evidence |
|---|---|---|---|---|---|
10.1 | EMV Liability Shift Counterfeit Fraud Counterfeit card used at non-EMV terminal | Fraud | 120 days | 30 days | Chip transaction proof, EMV terminal certification |
10.2 | EMV Liability Shift Non-Counterfeit Fraud Lost/stolen card fraud at EMV terminal | Fraud | 120 days | 30 days | Chip transaction record |
10.3 | Other Fraud – Card-Present Fraudulent card-present transaction | Fraud | 120 days | 30 days | Signed receipt, camera footage, CVV verification |
10.4 | Other Fraud – Card-Absent Fraudulent card-not-present transaction | Fraud | 120 days | 30 days | 3DS CAVV+ECI, delivery confirmation, IP match |
10.5 | Visa Fraud Monitoring Program Scheme-initiated (no representment) | Fraud | N/A | N/A | N/A |
11.1 | Card Recovery Bulletin Card listed in recovery bulletin at time of transaction | Authorization | 75 days | 30 days | Authorization approval record |
11.2 | Declined Authorization Transaction processed after decline | Authorization | 75 days | 30 days | Proof of authorization approval |
11.3 | No Authorization Transaction processed without authorization | Authorization | 75 days | 30 days | Authorization approval code |
12.1 | Late Presentment Cleared more than 30 days after authorization | Processing Error | 120 days | 30 days | Proof timely submission, account still open |
12.2 | Incorrect Transaction Code Wrong debit/credit code used | Processing Error | 120 days | 30 days | Proof of correct transaction code |
12.3 | Incorrect Currency Currency not as disclosed or agreed | Processing Error | 120 days | 30 days | Proof cardholder agreed to DCC |
12.4 | Incorrect Account Number Transaction posted to wrong account | Processing Error | 120 days | 30 days | Correct PAN proof |
12.5 | Incorrect Amount Different amount than authorized | Processing Error | 120 days | 30 days | Signed receipt for correct amount |
12.6 | Duplicate Processing Same transaction submitted multiple times | Processing Error | 120 days | 30 days | Proof single transaction processed |
12.7 | Invalid Data Transaction data does not match what was authorized | Processing Error | 120 days | 30 days | Proof data fields correct |
13.1 | Merchandise/Services Not Received Cardholder did not receive goods or services | Consumer Dispute | 120 days | 30 days | Delivery confirmation, signature, tracking |
13.2 | Cancelled Recurring Transaction Merchant charged after cardholder cancelled subscription | Consumer Dispute | 120 days | 30 days | Proof cancellation not received or not effective |
13.3 | Not as Described or Defective Goods/services not matching what was described | Consumer Dispute | 120 days | 30 days | Proof item matches description, return refused |
13.4 | Counterfeit Merchandise Cardholder received counterfeit goods | Consumer Dispute | 120 days | 30 days | Proof of authenticity |
13.5 | Misrepresentation Merchant misrepresented what was being sold | Consumer Dispute | 120 days | 30 days | Proof product/service accurately described |
13.6 | Credit Not Processed Refund agreed but never posted to account | Consumer Dispute | 120 days | 30 days | Proof credit was issued |
13.7 | Cancelled Merchandise Cardholder returned merchandise but credit not issued | Consumer Dispute | 120 days | 30 days | Proof return policy, return not attempted |
13.8 | Original Credit Transaction Not Accepted Push payment rejected or not accepted | Consumer Dispute | 120 days | 30 days | Proof OCT was valid |
13.9 | Non-Receipt of Cash Cash not dispensed from ATM but account debited | Consumer Dispute | 120 days | 30 days | ATM journal/log, settlement record |