Reason Code List

Visa reason codes

Visa reason codes table

Code	Description
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

Mastercard reason codes

Mastercard reason codes table

Code	Description
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

American Express reason codes

American Express reason codes table

Code	Description
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

Discover reason codes

Discover reason codes table

Code	Description
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

Visa reason codes

Mastercard reason codes

American Express reason codes

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