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. 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 . Based on the information provided, Paymentology will investigate the transaction being disputed. Retrieval Request/ Copy request Reason Codes. Most dispute reason codes that. That suggests that in the times when merchants. 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 as the. Updated Disputes/Chargeback Policy Coming April 202483: Fraudulent Transaction - Card Not Present: 85: Credit Not Processed: 86: Paid by Other Means: 90: Services Not Rendered - ATM or VisaTravel Money Transactions: 93:. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. There are two parts to this. 65 fee for uploading scanned documents. 54 - Expired Card. 6, "Chargeback Reasons" Added requirements for each Chargeback Reason code. 2 Compliance CasesReason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Paymentology will submit the chargeback using the appropriate chargeback reason code. Every of the major card brands, the. [noun]/* kə • stə • mər • di • spyo͞ot/. 10 Tips to Prevent Fashion Chargebacks. TOP REASON CODE. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. Also, just like American Express, Discover functions as both a card network and an. 3: Goods or services were not received: C08: RG: 4855: 13. Retry after 8 days. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. 4854 Cardholder Dispute—Not Elsewhere Classified (U. 1, "Compelling Evidence for goods/services notThe chargeback reason code. 60 for every $1 in sales. Here’s how to respond. Going back to our Reason Code C08 response, there are two modifiers that affect the evidence presented. 86: Paid by other means. Now, compliance cases must be submitted through Visa Resolve Online (VROL). The transaction amount and authorization number (ARN. & xquhdgdeoh 83& edu frgh rq yhqgru wlfnhw1 %honb&rpsoldqfh#ehon frp 0lvvlqj ru 8qdffhswdeoh +dqjhu 6l]hu1 %honb&rpsoldqfh#ehon frp 0lvvlqj 8qvfdqqdeoh *6 odeho ru plvvlqj lqirupdwlrq rq fduwrq odeho1 %honb&rpsoldqfh#ehon frp 8quhdgdeoh *6 odeho rq fduwrq1 %honb&rpsoldqfh#ehon frp & 1r uhwdlo rq 83& wlfnhw 1 %honb&rpsoldqfh#ehon frp Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. 3: Added maximum length information for the following: Claimant Email Address Claimant Name Credit Card Chargeback Reason Code Dispute Amount Seller Protection Payout Amount: October 2012: 7. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. Merchant Agreement, Merchant Responsibilities and Pricings. Got a chargeback (reason code: 83) and unfortunately, I'm selling digital products that's virtual in nature, so no invoice / signed proof of shipment. Auto Write Off. This chargeback occurs if the merchant is accused of processing a sale using card information from an earlier transaction. 30. Reason Code 12. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Availability Date: October 24th, 2021. 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. Example: 25. Added the following fields - Store ID, Credit Card Chargeback Reason Code. This will be referenced in the chargeback notice you received. 2. 00. Visa Chargeback Reason Code 10. 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. Choosing what compelling evidence to submit. Card networks send these codes to merchants to indicate why a chargeback has been filed. . They make it easier for originating and receiving financial institutions to spot and communicate payment failures. Chargeback amount is equal to or less than the exceeded limited /authorised amount. 4841 Canceled Recurring or Digital Goods Transactions. Technical. 3. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. 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. Analyze your chargeback data. 1: goods not received. You can learn more about each one by visiting the Mastercard Chargeback Guide. Spot these types of chargebacks using the below reason codes. 0 to 5. Another downside is that chargebacks on annual subscriptions. 4512: Duplicate Processing:Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. 3. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. 3 falls under the “Consumer Disputes” category. A new 4 byte reason code will be used moving forward. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Pay close attention to how you arrange your file. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. 6). 3 is the less common version for card-present transactions. There are over 80 unique return codes, and each one represents a different type of return. Survey data from the 2019 Chargeback Field Report found that 82% of merchants surveyed believed that the Visa Claims Resolution process had “little to no impact on chargeback management. It also has a multiplier effect that extends damages well beyond the amount of the disputed charge in question. Dec 6, 2021 — Betty's bank issued the chargeback for $9. 4 Other Fraud – Card Absent Environment 93(1) 10. Chargeback prevention strategies vary based on the reason for the. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Not remembering the original purchase. The notification will also specify the terms of the agreement under which Amazon Pay will assist you in handling the chargeback. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. 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. The implication is that the merchant is at fault. Authorization errors generate due to a lack of authorization or a non-compliance issue. The terminal action codes are in Table 122 of the 4. Reason codes 30, 81, 83: For an e-commerce transaction, two or more of the following types of evidence including: purchaser’s IP address, device ID number and name, purchaser’s name and email address linked to the customer profile on record. What is a reason code? 3. Check the chargeback reason code. Chargeback Reason Matrix below. 4 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. Betty's issuing bank assigned chargeback reason code 10. 31. Check with the issuing banks to determine what time limits may apply to you. Chargeback representment succeeds when you can present your rebuttal concisely and substantiate. The EFTA was first enacted in 1978. This code helps you identify the exact cause of the dispute. The Allocation workflow applies to any chargeback assigned a “Fraud” or “Authorization”. This can happen if a stolen credit card is used to make a purchase, or if the transaction is processed without proper authorization. VISA and MasterCard each have their own chargeback codes. The aim of CE 3. AMERICAN EXPRESS; CODE: DESCRIPTION: A01: Charge Amount Exceeds Authorization Amount. 65% with at least 75 total disputes. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. Values are: Blank: Use the receipt G/L date. Protected Chargeback Reason Codes: Visa USA: Credit & Debit Cards – Authentication & Attempts. Chargeback reason code. Key-in your chargeback reason code and get a detailed explanation of what it method, how for fight the chargeback, furthermore how to eliminate disputes in the future. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. There are dozens of reasons why cardholders and issuers dispute transactions. Updated the following reason codes: Wrong Amount or Date Paid with Other Method: September 2015: 7. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. This reason code indicates that the merchant processed a transaction using the wrong transaction code. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. The chargeback initially results in the debit or credit card charge being reversed and the funds that you received for the payment being returned to the customer. I don't know why he's firing chargeback. It is caused by things like beliefs, opinions, morals, regrets, fear, and confusion. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. 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. A chargeback can happen when a customer initiates a transaction dispute. 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. The initial release of this standard does not add, remove or change any Return Reason Codes. Most common causes for Reason Code 83. In general, this means the cardholder was not happy with a purchase and blames the merchant. ACH return codes identify the reason an ACH payment was returned by the recipient's bank. A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how to prevent disputes in the future. Less than 20% of merchants noted a slight decline in Visa chargebacks after VCR, while over 55% reported no decline in chargebacks. 83: Fraudulent Mail/Telephone/eCommerce Transaction. 16, 2021. Chargeback reason codes. Depending on the chargeback, the required evidence might consist of transaction receipts, particular authorization response codes, proof of delivery, correspondence with the customer, or any number of other specific documents. It can range from 60 to 120 days from the billing date. Specify the invoice date and net due date to assign to chargebacks. In this article I will review the circumstances when issuers use this reason code, how you can respond to it and what you can do to prevent it. Transaction unauthorized make up 30% of all. 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 other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. . Does this mean I could never get my money back? The buyer paid me on Mar. 4 spec (Section 8. These may impact the dispute time limits. Merchants can find a. 3 No Authorization. Thanks for following the Chargeback Gurus blog. Visa reason code 53 is used for Chargeback for Defective/Not as. Encrypt transmission of cardholder data. 10. 9% with at least 100 total disputes. But, merchants should be aware that, eventually, everyone will be required to use the new designations. Respond to invalid disputes. Let’s say you got a Visa chargeback with reason code 13. Specify the invoice date and net due date that you want the system to assign to chargebacks. A dispute often has a reason code associated with it. The codes also appear on financial reporting associated with disputes. Another thing you should bear in mind is that the card brand involved in the dispute can also change the reason code to suit new developments. Chargeback Reason Codes. Follow the Rules. It also regulates the way banks must respond to consumer complaints and sets limits on liability for lost or stolen debit cards. When the transaction is fraudulent and the cardholder did not authorize the transaction this code is validated. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. ” Currently, merchants can already prevent many 10. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. Chargebacks are almost always initiated by customers, but businesses can request them as well (although this doesn’t happen often). io This is exactly the case with Reason Code 83, which is used to designate chargebacks resulting from processing fraudulent card-absent transactions. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is validExplain your situation, and ask for their intervention. By entering your email, you agree to receive marketing emails from Shopify. 196A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. All ACH return reason codes consist of the letter “R” followed by two. 5: Visa Fraud Monitoring Program. Specify the default reason code to. MasterCard International: Credit & Debit Authentication. Additionally, one clearing transaction. Spot these types of chargebacks using the below reason codes. The reason code. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Partial chargebacks usually occur when a cardholder contacts their bank to dispute specific items or charges that were part of a larger transaction. Maestro. 8. As MasterCard’s Codes can point to slightly different chargebacks reasons, we will review them in a separate article. (See the reason codes for a full description. A recent survey reported that 83% of consumers intend to purchase a gift card this holiday season. FR4 Immediate Chargeback Program. 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. 83: Fraudulent transaction (Card not present) 85: Credit not processed : 86: Paid by other means : 90:Chargeback Reason Code 30 - Services Not Provided or Merchandise Not Received The chargeback time limit is calculated based on one of the following: 120 calendar days after the transaction processing date 120 calendar days after the last date the cardholder expected to receive the goods or services (not to exceed 540 days of the transaction. Merchants who believe they have received an invalid chargeback under reason code 13. Updated August 23, 2023. A new update to Visa’s Chargeback reason code 83 adds more options for online sellers to dispute said related chargebacks, and help reduce friendly fraud. You’ll put that reason code, the transaction amount and authorization number, and state that the. Visa chargeback reason code 83 falls under the “Fraud” category. 29. With the overhaul of their reason code system, Visa divided reason. We’ll Handle the Chargebacks. If a criminal manages to defeat the technology and complete an online purchase, Mastercard will shift liability away from the merchant and onto the issuer. 0. This statement item can later be reversed, or made permanent, depending on the reason for the credit issuance. 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. As we touched on earlier, chargebacks can happen due to technical errors. Chargeback reason code. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. Section5. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. Mastercard Chargeback Reason Code 73: Duplicate Transaction. There are instances where a merchant will receive a chargeback filed under this reason code, when it is actually invalid. ”. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. For example, suppose a cardholder filed a case about an order processing issue, and you disputed the chargeback. UA01 Fraud – Card Present Transaction. 5 Visa Fraud Monitoring Program Authorization Reason Codes Current Reason. Those reasons are explained through the corresponding reason codes. that so far this month China-US ocean shipments are taking an average of 73 days to arrive at their final destination, 83% longer than in September. What causes these chargebacks? Card issuers use code 83 when they. Reason Code 53 Re-presentment Conditions. CE 3. Card no present transaction can be applied to internet healthcare transactions, mail orders, advance payments, telephone orders, and. The good news is, the chargeback reason code should give you a great indication of where to start. As a merchant, your focus should be on finding and retaining customers--not chargebacks. For best results, your chargeback win rate should be as close to 100% as possible. Terms and conditions. While the format of chargeback reason codes varies depending on the card network, all codes are. 3 falls under the “Consumer Disputes” category. The cardholder withdrew their chargeback: Provide a letter or email from the cardholder that states. Discover Chargeback Reason Codes Explained. 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. They provide banking services to customers, allowing. Standard Threshold: Reaching a chargeback ratio of 0. compliance process depending on whether a chargeback right exists. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. So the company has more incentive to side with customer during cardholder. Of course, some of these inquiries will still inevitably progress to the chargeback phase. 83: Card Absent Fraud:. ”. 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. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not. Maestro. Look below the surface. The cardholder alleges they never received the products or services. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. A reason code is how banks categorize the reason for a chargeback. Versions Affected: v5, v6. Your issuing bank will often give you. Collect Compelling Evidence. If you believe you have received an ACH return in error, you can contact your bank. ” But, there is still a process users can go through to recover their money in the event of a. 4: . Once you receive this notification, you have 11 days to submit a response. Here are the NEW Chargebacks: Adulterated Product On-Time/In-Full (OTIF). Discover Chargeback Reason Codes Explained. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Region Only) 4855 Goods or Services Not Provided. 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. For best results, your chargeback win rate should be as close to 100% as possible. 4853 – Cardholder Dispute – Credit Posted as a Purchase. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. These reason codes are an important part. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. 99. These are only a handful of common Visa chargeback reason codes. Learn about the different chargeback reason codes and what they mean. [noun]/* kə • stə • mər • di • spyo͞ot/. At Visa they used to receive reason code 98. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. Cardholder Disputes. Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. For the sake of simplicity and standardization, card networks like Visa have created a breakdown of the acceptable causes for a customer to dispute a credit card charge by filing a chargeback. Your firm needs to embrace a customer-centric approach focused on transparency and. The cardholder contacts their bank to explain the situation and ask that the bank reverse the transaction. FR6 Partial Immediate Chargeback Program. That’s 50% more time than what the major card networks allow. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Everyone from processors and card brands to local and federal governments has rules about how payments should be handled. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. Check the chargeback reason code. A reason code or a chargeback reason code is a string of symbols (numbers and letters). 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. In simple terms, a payment dispute is simply a disagreement between a cardholder and a merchant about a charge. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. The chargeback applies to the following scenarios: The. It occurs when the merchant intentionally tries to process fraudulent transactions or if they failed to void multiple transactions. 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. Here's a list of all the current Visa reason codes: Chargeback Code. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. 1=1010,. All ACH return reason codes consist of the letter “R” followed by two. 1. While the updates have been published, they do not go into effect until Oct. Oftentimes, the reason code assignment is based on limited knowledge and insight. . 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. Clerical Early Warning: Reaching a chargeback ratio of 0. Retrieval Request/ Copy request Reason Codes. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. We’ve all been there as an eCommerce owner: you excitedly ship out a $1,500 order to a customer, and then a few weeks later you’re notified that the customer has opened a chargeback dispute. ”. 4 Funding Process. WEX began issuing chip cards in Q4, 2020. 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. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. The cardholder claims they were charged multiple times for a single transaction. It was originally one of several possible scenarios covered by legacy Visa reason code 83. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. A reason code is how banks categorize the reason for a chargeback. Most common causes for Reason Code 83. Customer Dispute. Unauthorized returns (R05, R07, R10, R29, R51): 0. The keys to this are improved communication, enhanced customer satisfaction measures, and effective dispute resolution when necessary. Expert Help. A provisional credit is a temporary credit issued by a bank to an account holder. 83 - Fraudulent Transaction. However, just because a chargeback is coded with a fraud or no authorization reason code does not mean true fraud has actually taken place. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardChargeback Representment. Table A-1 shows all possible values for the <response> and. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). If the customer’s story matches. 4853. Chargeback reason code 12. A reason code is how banks categorize the reason for a chargeback. None, although there is a $0. 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. Mastercard Collaboration will be a step in the right direction. 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. However, just because a chargeback is coded with a fraud or no authorization reason code does not mean true fraud has. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. ”. Be sure you understand the cardholder’s claim. Visa, MasterCard, and American Express all list compelling evidence by reason code. The cardholder may be the customer or the someone who lent their card to a friend or relative. 2co charge back reason codes Reason code 83 represents a chargeback categorized as Fraud – Card Not Present (CNP) Transaction. Late Presentment (Chargeback Reason Code 83) is a type of chargeback issued by American Express when a merchant fails to submit a transaction for processing within a. Visa chargeback reason code 85 falls under the “Consumer Disputes” category. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. e. Chargeback reason codes identify the general reason behind a chargeback. These chargeback reason codes are broken down into four categories: fraud, authorization, processing errors, and service disputes. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. 04/09/14 Discover: DC, U02. This may be done by either the merchant or the issuing bank. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration and535 Other Coverage Code Value Not Supported 0643 INVALID OTHER COVERAGE CODE 535 Other Coverage Code Value not supported 2802 CLIENT PLAN REQUIRED CO-PAY ONLY BILLING FOR MDD 536 Other Payer-Patient Responsibility Amount Qualifier Value Not Supported 0883 PATIENT RESPONSIBILITY AMOUNT QUALIFIER NOT. You must designate the write-off reason code for the system to use when you activate the automatic write-off feature. Invalid Visa Reason Code 83 Chargebacks. 4846. 3 Other Fraud – Card Present Environment 83(1) 10. 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. Dispute Reason Code: A specific code associated with the reason given by the buyer for initiating the chargeback. ” This reason code means that the cardholder is claiming that they did not authorize or participate in a card-not-present transaction, and therefore it must be fraudulent. For example, suppose a cardholder filed a case about an order processing issue, and you disputed the chargeback. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. 4: Fraud—Card-Absent Environment. Also, just like American Express, Discover functions as both a card network and an. A “No Authorization” code chargeback can also be the.