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