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

Visa Reason Code Code
Services Not Provided or Merchandise Not Received 30
Cancelled Recurring Transaction 41
Not as Described or Defective Merchandise 53
Fraudulent Multiple Transactions 57
Illegible Fulfilment 60
Counterfeit Transactions 62
Card Recovery Bulletin or Exception File 70
Declined Authorisation 71
Expired Card 73
Late Presentment 74
Transaction Not Recognised 75
Incorrect Currency or Transaction Code or Domestic Transaction Processing Violation 76
Non Matching Account Number 77
Service Code Violation 78
Incorrect Transaction Amount or Account Number 80
Fraud - Card Present Environment 81
Duplicate Processing 82
Fraud - Card Absent Environment 83
Credit Not Processed 85
Paid By Other Means 86
Non Receipt of Cash or Load Transaction at ATM or Load Device 90
Risk Identification Service 93
Transaction Exceeds Terminal Amount 96


Mastercard Chargeback Reason Codes

Mastercard Reason Code 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
Credit Not Processed 60
Counterfeit Transaction Magnetic Stripe POS Fraud 62
Cardholder Does Not Recognise-Potential Fraud 63