What are the chargeback reason codes for Visa and Mastercard?

Visa and Mastercard each use their own set of chargeback reason codes.

Note: Fraud is generally the most common chargeback dispute reason.

Visa chargeback reason codes

Dispute Condition Description	Dispute Condition Code	Category Code	Category Code Description
EMV Liability Shift	10.1	10	Fraud
EMV Liability Shift Non-counterfeit Fraud	10.2	10	Fraud
Other Fraud: Card-Present Environment	10.3	10	Fraud
Other Fraud: Card-Absent Environment	10.4	10	Fraud
Visa Fraud Monitoring Program	10.5	10	Fraud
Card Recovery Bulletin	11.1	11	Authorisation
Declined Authorisation	11.2	11	Authorisation
No Authorisation	11.3	11	Authorisation
Late Presentment	12.1	12	Processing Error
Incorrect Transaction Code	12.2	12	Processing Error
Incorrect Currency	12.3	12	Processing Error
Incorrect Account Number	12.4	12	Processing Error
Incorrect Amount	12.5	12	Processing Error
Duplicate Processing/Paid by Other Means	12.6	12	Processing Error
Invalid Data	12.7	12	Processing Error
Merchandise/Services Not Received	13.1	13	Consumer Disputes
Cancelled Recurring Transaction	13.2	13	Consumer Disputes
Not as Described or Defective Merchandise/Services	13.3	13	Consumer Disputes
Counterfeit Merchandise	13.4	13	Consumer Disputes
Misrepresentation	13.5	13	Consumer Disputes
Credit Not Processed	13.6	13	Consumer Disputes
Cancelled Merchandise/Services	13.7	13	Consumer Disputes
Original Credit Transaction Not Accepted	13.8	13	Consumer Disputes
Non-Receipt of Cash or Load Transaction Value	13.9	13	Consumer Disputes

Mastercard Chargeback Reason Codes

Mastercard Reason Code Description	Code
Requested/Required Information Illegible or Missing	2
Warning Bulletin File	7
Requested/Required Authorisation Not Obtained	8
Account Number Not On File	12
Transaction Amount Differs	31
Duplicate Processing	34
Card Not Valid or Expired	35
No Cardholder Authorisation	37
Fraudulent Processing of Transactions	40
Cancelled Recurring Transaction	41
Late Presentment	42
Correct Transaction Currency Code Not Provided	46
Exceeds Floor Limit, Not Authorised, and Fraudulent Transaction	47
Questionable Merchant Activity	49
Credit Posted as a Purchase	50
Cardholder Dispute, Defective / Not as Described	53
Non-receipt of Merchandise	55
Card-Activated Telephone Transaction	57
Services Not Rendered -Unwilling or Unable to render services -Payment by other means -Airline flight not provided	59
Credit Not Processed	60
Counterfeit Transaction Magnetic Stripe POS Fraud	62
Cardholder Does Not Recognise-Potential Fraud	63