In April 2018, Visa introduced changes to its chargeback dispute process, referred to as Visa Claims Resolution (VCR). Under this new program, Visa has introduced new chargeback reason codes that fall within four distinct categories:
- Fraud
- Authorization
- Processing Errors
- Consumer Disputes
Kount Support of New Codes
Kount supports the new VCR codes within the UI and also Restful API.
If merchants use the API, they can submit the new reason codes and their descriptions. Codes submitted via API are reflected in the AWC and Datamart. Alternatively, merchants can use the UI to select from new and refer to legacy codes.
The following Visa chargeback code maps are organized by category, as defined by Visa. Merchants who previously applied legacy codes to chargebacks for the purposes of reporting and rule-writing can continue to refer to the legacy codes. Additionally, they can select from corresponding, updated codes when adding new chargebacks. Note the following:
- Some new codes do not have legacy counterparts and should be coded 0 – Unknown/Unspecified.
- Some legacy codes are no longer supported by a chargeback reason.
- Some legacy codes encompass multiple reasons; new mapping recognizes the individual reasons as separate number and reason combinations.
Fraud Category Codes
|
New Code per Visa update |
Legacy code as currently displayed in the AWC |
|
10.1 - EMV Liability Shift Counterfeit |
81 - Fraudulent Transaction: Card Present Environment |
|
10.2 - EMV Liability Shift Non-Counterfeit Fraud |
81 - Fraudulent Transaction: Card Present Environment |
|
10.3 - Other Fraud, Card Present Environment |
81 - Fraudulent Transaction: Card Present Environment |
|
10.4 - Other Fraud, Card Absent Environment |
83 - Fraudulent Transaction: Card Not Present Environment |
|
10.5 - Visa Fraud Monitoring Program |
No mapping available; select 0 - Unknown/Unspecified |
Authorization Category Codes
|
New Code per Visa update |
Legacy code as currently displayed in the AWC |
|
11.1 - Card Recovery Bulletin |
7 - Bulletin File |
|
11.2 - Declined Authorization |
71 - Declined Authorization |
|
11.3 - No Authorization |
72 - No Authorization |
Processing Errors Category Codes
|
New Code per Visa update |
Legacy code as currently displayed in the AWC |
|
12.1 - Late Presentment |
42 - Late Presentment |
|
12.2 - Incorrect Transaction Code 12.3 - Incorrect Currency
NOTE: Domestic Processing Violations are not a covered reason under new Visa chargeback codes. |
76 - Incorrect Currency or Transaction Code or * Domestic Processing Violation |
|
12.4 - Incorrect Account Number 12.5 - Incorrect Amount |
80 - Incorrect Transaction Amount or Account Number |
|
12.6 - Duplicate Processing/Paid by Other means
NOTE: 12.6.1 and 12.6.2 are not supported by API. |
82 - Duplicate Processing 86 - Paid by Other Means |
|
12.7 - Invalid Data |
No mapping available; select 0 - Unknown/Unspecified |
Consumer Disputes Category Codes
|
New Code per Visa update |
Legacy code as currently displayed in the AWC |
|
13.1 - Merchandise/Services Not Received |
30 - Services Not Provided or Merchandise Not Received |
|
13.2 - Cancelled Recurring |
41 - Cancelled Recurring Transaction |
|
13.3 - Not As Described or Defective Merchandise/Services |
53 - Not as Described or Defective Merchandise |
|
13.6 - Credit Not Processed |
85 - Credit Not Processed |
|
13.4 - Counterfeit Merchandise 13.5 - Misrepresentation 13.7 - Cancelled Merchandise/Services 13.8 - Original Credit Transaction Not Accepted |
No mapping available; select 0 - Unknown/Unspecified |
|
13.9 - Non-Receipt of Cash or Load Transaction Value |
30 - Services Not Provided or Merchandise Not Received |
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