Card brands use reason codes to explain why transactions were disputed. Each brand has it's own list of unique reasons.
Reason codes often change or are removed by the card brands. For the most up-to-date information, bookmark this page and check back regularly.
10.1 – EMV Liability Shift Counterfeit Fraud
10.2 – EMV Liability Shift Non-Counterfeit Fraud
10.3 – Other Fraud – Card-Present Environment
10.4 – Other Fraud – Card-Absent Environment
10.5 – Visa Fraud Monitoring Program
11.1 – Card Recovery Bulletin
11.2 – Declined Authorization
11.3 – No Authorization
12.1 – Late Presentment
12.2 – Incorrect Transaction Code
12.3 – Incorrect Currency
12.4 – Incorrect Account Number
12.5 – Incorrect Amount
12.6 – Duplicate Processing / Paid By Other Means
12.7 – Invalid Data
13.1 – Merchandise / Services Not Received
13.2 – Cancelled Recurring Transaction
13.3 – Not as Described or Defective Merchandise / Services
13.4 – Counterfeit Merchandise
13.5 – Misrepresentation
13.6 – Credit Not Processed
13.7 – Cancelled Merchandise / Services
13.8 – Original Credit Transaction Not Accepted
13.9 – Non-Receipt of Cash or Load Transaction Value
4807 – Warning Bulletin
4808 – Authorization-Related Chargeback – Cardholder-Activated Terminal (CAT) 3 Device
4808 – Authorization-Related Chargeback – Expired Chargeback Protection Period
4808 – Authorization-Related Chargeback – Multiple Authorization Requests
4808 – Authorization-Related Chargeback – Required Authorization Not Obtained
4812 – Account Number Not On File
4831 – Incorrect Transaction Amount
4834 – Point-Of-Interaction Error – ATM Disputes
4834 – Point-Of-Interaction Error – Cardholder Debited More than Once for the Same Goods or Services
4834 – Point-Of-Interaction Error – Charges for Loss, Theft or Damages
4834 – Point-Of-Interaction Error – Late Presentment
4834 – Point-Of-Interaction Error – Point-of-Interaction (POI) Currency Conversion (Dynamic Currency Conversion)
4834 – Point-Of-Interaction Error – Merchant Credit Correcting Error Resulting in Cardholder Currency Exchange Loss
4834 – Point-Of-Interaction Error – Transaction Amount Differs
4834 – Point-Of-Interaction Error – Unreasonable Amount (European transactions only)
4837 – No Cardholder Authorization
4840 – Fraudulent Processing Of Transactions
4841 – Canceled Recurring Or Digital Goods Transactions
4842 – Late Presentment – Transactions Not Involving a European Issuer or Acquirer
4842 – Late Presentment – Transactions Involving a European Issuer or Acquirer
4846 – Correct Transaction Currency Code Not Provided/Currency Errors – Transactions Involving a European Issuer or Acquirer
4846 – Correct Transaction Currency Code Not Provided/Currency Errors – Transactions Not Involving a European Issuer or Acquirer
4849 – Questionable Merchant Activity – Global Merchant Audit Program (GMAP)
4849 – Questionable Merchant Activity – Mastercard Rule 3.7 Violation for Coercion Claim
4849 – Questionable Merchant Activity – Questionable Merchant Audit Program (QMAP)
4853 – Cardholder Dispute – “No Show” Hotel Charge
4853 – Cardholder Dispute – Counterfeit Goods
4853 – Cardholder Dispute – Cardholder Dispute of a Recurring Transaction
4853 – Cardholder Dispute – Addendum Dispute
4853 – Cardholder Dispute – Credit Posted as a Purchase
4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less
4853 – Cardholder Dispute – Credit Not Processed
4853 – Cardholder Dispute – Goods or Services Were Either not as Described or Defective
4853 – Cardholder Dispute – Issuer Dispute of a Recurring Transaction
4853 – Cardholder Dispute – Goods or Services Not Provided
4853 – Cardholder Dispute – Transaction Did Not Complete
4853 – Cardholder Dispute – Timeshares
4855 – Goods Or Services Not Provided
4859 – Addendum, No-Show, or ATM Dispute – Transactions Involving a European Issuer or Acquirer
4859 – Addendum, No-Show, or ATM Dispute – Transactions Not Involving a European Issuer or Acquirer
4860 – Credit Not Processed
4863 – Cardholder Does Not Recognize – Potential Fraud
4870 – Chip Liability Shift
4871 – Chip Liability Shift – Lost/Stolen/Never Received Issue (NRI) Fraud
A01 – Charge Amount Exceeds Authorization Amount
A02 – No Valid Authorization
A08 – Authorization Approval Expired
C02 – Credit Not Processed
C04 – Goods / Services Returned or Refused
C05 – Goods / Services Cancelled
C08 – Goods / Services not Received or Only Partially Received
C14 – Paid By Other Means
C18 – “No Show” or CARDeposit Cancelled
C28 – Cancelled Recurring Billing
C31 – Goods / Services Not As Described
C32 – Goods / Services Damaged or Defective
F10 – Missing Imprint
F24 – No Cardmember Authorization
F29 – Card Not Present
F30 – EMV Counterfeit
F31 – EMV Lost/Stolen/Non-Received
M01 – Chargeback Authorization
P01 – Unassigned Card Number
P03 – Credit Processed as Charge
P04 – Charge Processed as Credit
P05 – Incorrect Charge Amount
P07 – Late Submission
P08 – Duplicate Charge
P22 – Non-Matching Card Number
P23 – Currency Discrepancy
R03 – Insufficient Reply
R13 – No Reply
05 – Good Faith Investigation Chargeback
AA – Does Not Recognize
AP – Recurring Payments
AT – Authorization Noncompliance
AW – Altered Amount
CD – Credit/Debit Posted Incorrectly
DP – Duplicate Processing
IN – Invalid Card Number
LP – Late Presentation
NF – Non-Receipt of Cash from an ATM
PM – Paid by Other Means
RG – Non-Receipt of Goods, Services, or Cash
RM – Cardholder Disputes the Quality of Goods or Services
RN2 – Credit Not Processed
UA01 – Fraud: Card Present Transaction
UA02 – Fraud: Card Not Present Transaction
UA05 – Fraud: Chip Card Counterfeit Transaction
UA06 – Fraud: Chip and PIN Transaction
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