1: goods not received. So don’t spend another second worrying about chargebacks. The cardholder claims they were charged multiple times for a single transaction. Reason codes are very crucial to assist. These are only a handful of common Visa chargeback reason codes. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. Chargeback companies can assist merchants in navigating these processes, and work with them to develop a comprehensive chargeback prevention strategy. Late Presentment Rules: Mastercard. 1003 - Transaction Supporting Document (TSD) needed. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10: Arbitration; Chapter 11: Fraud filters; How to Create the Best Chargeback Responses. 1 Quick Reference Lead. Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. Chargeback reason code. Be sure you understand the cardholder’s claim. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not Received Non-Receipt of Goods or Services NO YES VISA 41 Canceled Recurring Transaction Cancelled/Returned by CardholderThe situation grows more tenuous when you realize most of those chargebacks were likely the result of friendly fraud. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Visa chargeback reason code 75 is filed as an honest mistake. Visa, MasterCard, and American Express all list compelling evidence by reason code. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. The most comprehensive guide to chargeback reason codes. Chargeback Reason Code. Select Need Help & Cash App Support. Reason code 4534 - Duplicate Processing (DP) Reason code 4535 - Expired Card (EX) Reason code 4541 - Recurring Payment (AP). Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. 3. 9. Read the Chargeback Advice letter carefully. Card Brand Code Description Days to Dispute Dispute Category;. The chargeback transfers funds from the acquirer to the issuer. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. 2. Other Fraud—Card Absent Environment. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. Discover Chargeback Reason Codes. The shorthand description is “Authorization Noncompliance. These codes are established by the payment brands to categorize the incoming dispute requests by reason. 4853 – Cardholder Dispute – Goods or. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, AP automation is an approach to the AP process that involves using software solutions to create an efficient, digitized workflow for receiving, reviewing, and paying invoices. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. 3? Visa chargeback reason code 13. The chargeback can be for the total transaction amount or a lesser amount. This can provide important information to fight the dispute. Any chargeback that is received without a reason code will be assigned a default code of 53. By entering your email, you agree to receive marketing emails from Shopify. There’s no such thing as a good chargeback, but in-app purchase chargebacks can be especially pernicious because they can stack up so quickly. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. It's essential to respond within the. In simple terms, VCR introduced five definitive. In order to fight a chargeback effectively, however, you'll need to know the reason code. Receive the Chargeback. 4 Ways to Fight Chargebacks: Gather compelling evidence. You’ll want to carefully review all chargeback reason codes so you are familiar with the very detailed regulations. . The bank can then reverse the transaction, deducting the funds from your account and returning them to the cardholder's account. Auto Write Off. With the right compelling evidence,. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect. Discover: Reason Code 4755 Non-receipt of goods or services. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. 2 Added chapter providing information about the DiscoverFraud and chargebacks always result in revenue loss, but they also include fixed-rate fees and other negative consequences. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. . Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. There are dozens of reasons why cardholders and issuers dispute transactions. 03B/CR for deduction reason codes. Not recognizing your billing descriptor on a statement. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. 104. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. Reason codes. Visa Chargeback Reason Codes. 4 spec (Section 8. ) A no-nonsense summary of evidence that proves transaction is legit. Fraud. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. About American Express chargeback reason codes. compliance process depending on whether a chargeback right exists. What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Then you can research the transaction to see if the chargeback appears to be valid or not. The old-fashioned way of determining the root causes of your chargebacks involves comparing. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. With that said, you still need to understand the reason codes with any chargebacks from Amex. Visa Chargeback Life Cycle. Reason Code 53 Re-presentment Conditions. 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. com Europe. Each card network has their own set of chargeback policies and reason codes, and they frequently change them. Fraud UA01 Fraud – Card Present Transaction UA02 Fraud – Card Not Present Transaction UA05 Fraud – Chip Counterfeit Transaction UA06 Fraud – Chip and PIN. 10. AP-Automatic Payment:. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. This chargeback occurs when merchants do not adequately provide currency information. Reason . 10. The new Visa CE 3. Overview. At Visa they used to receive reason code 98. However, Visa is the largest card brand in both the United States and the world. AP – Recurring Payments; 05 – Good Faith Investigation; AW – Altered Amount;. 10. ISD technology lets you fight chargebacks based on the true reason, not just the reason code. United States. 1: EMV Liability Shift Counterfeit Fraud:. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. . What is Mastercard chargeback reason code 4807? Mastercard chargeback reason code 4807 falls under the “Authorization” category. 4853 Cardholder Dispute. 2. It’s indeed fortunate that there are many rules and laws that. Visa chargeback reason codes. The fee is designed to incentivise merchants to act in a way that avoids chargebacks. There are two parts to this. A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. may be reversed if merchant can provide proof that the correct fare was quoted to Cardholder; That<br />. SP: Short payment. SECTION 4: Chargeback Reason Codes . Not only do you need to know how long the timeline is, but you also need to know when the clock. In the UK, the fee typically ranges from £15-25 but can be as high as £150. This would be filed using reason code 12. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. 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. 6: Credit not. Reason codes are created by the major. non_receipt: The buyer claims they didn't get the goods or services. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. When every chargeback comes with a separate fee and an incremental uptick to your chargeback rate, several $1 chargebacks can be a lot worse than a single chargeback. This means that if a merchant issues a refund in response to an alert, and it still results in a chargeback, the management company will refund the alert fee. 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. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing date of. Check with the issuing banks to determine what time limits may apply to you. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 0 is to make the chargeback process more efficient, transparent, and fair. 1. This function allows you to: • associate the charge back with a specific purchase order. Time Frames by Chargeback Type and Reason Code. The shorthand description is “Credit Not Processed. Step 1: The cardholder disputes a charge. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. 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. Solutions. For example, if a store or distribution center receives 40 cases but the invoice is for 45 cases, a Code 22 will be issued for the 5 outstanding cases. And chargeback guarantees aren't without. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. 1 falls under the “Processing Errors” category. We also included the reason code descriptions and an indication of when the allowable time frame begins. AP: Canceled Recurring Transaction: AW: Altered Amount: CD:. This code tells you why the customer or bank initiated the dispute. Each bank card network has its owner list of reason codes banks must prefer from. You can request a chargeback from the bank that issued the card If: The transaction was unauthorized. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. Information on proper voice authorization procedures may be needed for ‘referral’ responses. What is a chargeback time limit? The chargeback response. Other Ineligible Transactions Under Reason Code 62, Condition 2 . If the bulk of reason codes your business sees are fraud-related and you lose these chargebacks after submitting compelling evidence, true fraud problems are present. The claim often, but not always, involves automated teller machines (ATMs). message. A “No Authorization” code chargeback can also be the. Download this sample Chargeback Rebuttal Letter. Solutions. If you did not receive the email, open Mave, Wave’s automated chatbot, and. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. Prevent chargebacks. Specify the default reason code that you want the system to assign when you enter a chargeback amount. A chargeback happens when a customer requests for a transaction to be reversed. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. 7: Defective goods and services: C32: RM: 13. The issuer generates a claim, then transmits it to the merchant’s acquirer, as well as to Visa, as a means of noting all reported fraud incidents tied to the merchant. "And if the merchandise was returned for late delivery, the issuer should wait 15 days after the return of the merchandise before filing a chargeback. A Shopify chargeback occurs when a cardholder contacts the bank about. Code 64: Early Shipment. 2023 Consumer Attitudes Towards Chargebacks 7 Best Practices in Chargeback Mitigation Purchase Experience Checklist Hidden Costs of Chargebacks Chargeback Solution Buying Guide How to Win Chargebacks at Scale Buy Now Pay Later's Chargeback Problem Taking a "Bite" out of Friendly Fraud The Link Between Supply Chain Disruption and Fraud Reason. Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive . BENEFITS AUTHORIZED AR = ADMINISTRATIVE REVIEW AT = ACCEPTED AS. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Click on “report a problem” and select the transaction in question. that the transaction was either approved online by the issuer or offline by the chip. 4 Section . Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831. EMV Liability Shift Non-Counterfeit Fraud. Other Fraud—Card Absent Environment. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. FR4 Immediate Chargeback Program. 4: Other Fraud–Card-Absent Environment. The shorthand description is “Late Presentment. Chargeback Reason Codes. 3: Goods or services were not as described: C31: RM: 13. . Products. A TC40 data claim occurs when a customer makes a fraud claim against a merchant. Fight; Prevent; Get; Assets. 10. pdf), Text File (. Must be set up in Oracle Receivables. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. 7 Reversals and Adjustments 124 1. Card brand definitions for “excessive” vary, but as an example, Mastercard requires acquirers to submit your business to MATCH if: Your number of Mastercard chargebacks exceed 1% of Mastercard sales transactions in a single month. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. Otherwise, the acquiring bank sends a chargeback notification. Customer disputes are a reality of accepting payments. Please refer to chapter 5 for more information. However, the 30 day waiting period can be waived if you’ve. Code 12 . 1. • create an A/P credit for the charge back. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. Reason code 04 pertains to your chargeback-to-transaction ratio and is the most common reason for being MATCHed. Reason Code. While obtaining authorization approval is usually. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Accessed October 31, 2022. If the order was genuinely not as described, then the cardholder has a case. Once you know why a chargeback happened, you can start building a case to address the claims that were made. Q. 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. Try Shopify free for 3 days, no credit card required. The shorthand description is “Transaction Not Recognized. 29 Reason Code 30: Services Not Provided or Merchandise Not. This code helps you identify the exact cause of the dispute. This is commonly caused by either true fraud or friendly fraud. This extra step can be frustrating for Card Members and lead to lost sales. The reason code indicates the justification the cardholder gave for the chargeback. Assemble Your Evidence. So the company has more incentive to side with customer during cardholder disputes. Updated the following columns - card type, response due date. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. Each of the major card brands, including Visa,. The most comprehensive guide to chargeback reason codes. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. These reason codes allow merchants to better understand the underlying cause of a dispute and develop strategies for preventing future chargebacks. . Select the transaction in question and tap the ellipses symbol in the top right corner of the screen. Below are some examples of more common reason codes. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. As we touched on earlier, chargebacks can happen due to technical errors. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Even though these codes are not detailed enough, they are crucial when it comes to successfully preventing and fighting chargebacks. 02/10/16 Added Debit Chargeback Reason Codes. . Examples are: DA: Disputed amounts. 19. Chapter 2 1. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Scribd is the world's largest social reading and publishing site. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Knowing these codes can help you dispute chargebacks more effectively. Chargebacks911® offers the industry’s only data-driven, fully managed solution for chargebacks. A merchant error chargeback is a chargeback caused by an error on the part of the merchant, such as non-delivery, damaged goods, etc. 9808 info@chargebacks911. It’s indeed fortunate that there are many rules and laws that. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardRECOVER YOUR LOST REVENUE RECOVER YOUR LOST REVENUE PAGE 4 REASON CODES THE IMMEDIATE COST OF THE CHARGEBACK In addition to losing the revenue from the sale and the cost of the product, fees charged by the issuing bank can be as high as $125 per chargeback. Updated Visa Reason Codes. Here are some chargeback reason codes by card type. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. ”. Merchants. ; Help Center Find answers to common questions about Midigator’s technology,. Claim. . 1 for Visa transactions, or reason code 4834 for Mastercard. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—QuestionableIf you respond in good time, in certain circumstances, we may be able to defend the chargeback for you – even if your chargeback notification says that you’ve already been debited. THE LAG It can take anywhere from 15 days to 6 months for a. Unfortunately, the final decision in such cases comes down to the issuing bank, and not all. 1: Use the corresponding dates from the invoice. Even though these codes are not detailed enough, they are crucial when it comes to successfully preventing and fighting chargebacks. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. Click the Update Chargeback link to edit the chargeback details. Once you know the reason code, you can investigate the transaction to determine whether. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. This list was generated 5/4/2022. MasterCard chargeback reason code 4540. 3 is the less common version for card-present transactions. For example, you might get a chargeback on a Mastercard purchase where the reason code is "4853: Goods or services not provided. Merchants can analyze the root causes of their chargebacks by examining the reason code of the chargeback and their own records regarding the purchase in question. non_receipt: The buyer claims they didn't get the goods or services. Tap Dispute this Transaction. The most popular type of disputes of the chargeback category. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. pdf), Text File (. 4853 – Cardholder Dispute – Credit Not Processed. This process is called a chargeback. As its name suggests, Code 22 is issued when Walmart does not receive all the items it is billed for on the invoice. Code 68: Signing Allowance. Codes are not often shared between issuers which means it can be difficult to remember the details of each. Reason code 4541 - Recurring Payment. Banks may issue a credit to an account holder at their discretion. Visa Merchant Official Documentation. 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. Chargeback Reason Codes by Industry. 'luhfw fruuhvsrqghqfh wr wkh dssursuldwh hpdlo edvhg xsrq wkh uhdvrq frgh ri wkh lvvxh olvwhg ehorz <rx pd\ frpelqh lvvxhv iru gliihuhqw uhdvrq frghv lq wkh vdph fruuhvsrqghqfh rqo\ li wkh What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. 2 – EMV Liability Shift Non-Counterfeit Fraud. 4841 Canceled Recurring or Digital Goods Transactions. However, they don’t address the reason why that chargeback was issued in the first place. Solution. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Cardholder-Activated Terminal (CAT) 3 Device. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the. Issuer Acquirer Dispute Pre-arbitration Valid Pre-arbitration response Final ruling Arbitration 20 days* 20 days* 10 days*Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. 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 andCode 13. This authoritative guide includes the chargeback reason key from each from the four major card netz. Clerical 101. The use of this reason code indicates that the cardholder does not recognize the transaction as it appears on their bank statement. Thousands of HSBC customers have reported that they have been unable to access its online and mobile banking services on one of the busiest. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. WEX began issuing chip cards in Q4, 2020. Blog and Featured; Success Stories; Chargeback Reasoning Codes; BIN Look-up; eGuides and Reports;. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the. 1. 6 General update and rebranding. The customer regrets their purchase. For example, a retailer--Bigmart maintains more than 3,500 reason codes for deduction against its manufacturers. Last updated: October 15, 2019 . Chargeback reason codes are what tell a merchant why a customer is disputing a charge. 4 –. Return fraud happens when consumers bring an item (or items) back to you to request a refund in the form of store credit or cash. . S. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. Reason Code 53: Not as Described or Defective Merchandise. The sales receipt and/or date and amount of the authorization if other than the transaction date. . A provisional credit is a temporary credit issued by a bank to an account holder. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. FR4 Immediate Chargeback Program. An ACH (Automated Clearing House) payment dispute is a situation in which one party involved in an ACH transaction raises a concern or disagreement over the legitimacy, accuracy, or authorization of the transaction. The chargeback transfers funds from the acquirer to the issuer. 3: Goods or services were not received: C08: RG: 4855: 13. These are outlined below: 1. Blog and Articles; Success Stories; Chargeback Reason Codings; DUMPSTER Look-up;. A chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. VCR Dispute Reason Code 10. F02. Fraud UA01 Fraud – Card Present Transaction UA02 Fraud – Card Not Present Transaction UA05 Fraud – Chip Counterfeit Transaction UA06 Fraud – Chip and PIN Transaction UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature) Authorization NA No Authorization DA Declined Authorization Date Updated: Oct 17 2022 TABLE OF CONTENTS What Are Chargeback Reason Codes? Importance of Chargeback Reason Codes Chargeback Reason Code Categories The Complete Chargeback Reason Codes List Visa Discover Mastercard American Express How to Use Chargeback Reason Codes 5 Things Merchants Should Understand About Chargeback Codes The new reason codes follow a format of two digits, a period, then a third digit. Each code has a different timeline. In the world of chargebacks, card networks almost always side with cardholders. . WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Merchant Compliance Review: There are more than 100 potential errors and missteps that can cause. Reason Codes Category 1: Authorization. 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.