Each chargeback comes with a numerical code that identifies the reason for the chargeback. Here is a consolidated list of the codes most commonly seen in the PayXpert Backoffice.
National Visa, national and international MasterCard
REASON CODE | VISA | MASTERCARD | DESCRIPTION |
4501 | 78 |
| Invalid transaction |
4503 | 73 | 4835 | Expired card |
4506 | 80 |
| Process error |
4507 |
|
| Incorrect transaction amount |
4510 |
| 4850 | Credit processed as debit |
4512 |
82 |
4834 |
Transaction processed more than once |
4513 | 85 | 4860 | Credit not received |
4514 | 93 | 4849 | Fraudulent transaction (AMD). |
4515 |
| 4515 | Transaction not finalised |
4516 |
| 4801 | Request receipt without confirming sending |
4517 |
| 4802 | Receipt without confirming shipment (illegible) |
4521 | 72 | 4808 | Amount> Query limit, not authorised |
4522 | 71 | 4522 | Operation rejected |
4523 |
| 4812 | Non-existent card |
4524 |
| 4831 | Error in sum |
4525 | 86 |
| Paid by other means |
4526 |
| 4837 | Missing signature |
4527 | 81 |
| Card print missing |
4530 |
|
| Errors in currency conversion |
4531 |
| 4854 | Dispute of the holder not classified in another CDG |
4532 |
|
| Defective merchandise |
4534 |
|
| Printing of multiple receipts |
4535 |
| 4807 | Card included in the exceptions file |
4536 | 74 | 4842 | Late submission |
4537 |
|
| Dispute in trans. reserve |
4538 |
|
| Deposit for hosting reservation |
4540 |
|
| Card not present |
4544 | 41 | 4841 | Cancelled recurring operation |
4545 | 76 |
| Currency conversion not allowed |
4546 | 83 |
| Fraud, non-face-to-face environments |
4547 | 70 |
| Card included in the bulletin |
4549 | 77 |
| Incorrect card number |
4550 |
| 4857 | Holder does not recognise operation |
4551 |
| 4846 | Transaction currency not entered/ erroneous |
4553 |
|
| Merchandise not initially contracted |
4554 | 90 | 4855 | Merchandise not received |
4555 | 30 | 4859 | Services not supplied (US) |
4556 | 53 | 4853 | Merchandise different from that specified |
4557 |
3 |
| Merchant without CAE in diesel operation |
4750 |
|
| Car rental. Unjustified charge |
4751 |
|
| Authorisation expired |
4752 |
|
| Credit / debit error in the presentation |
4753 |
| 4809 | Operation not reconciled |
4754 |
|
| Legal regulation / legal dispute |
4755 |
|
| Invalid authorisation code holder |
4757 |
|
| Merchandise not shipped to the address indicated |
4762 | 62 | 4862 | Counterfeit magnetic card strip |
4763 |
|
| Full resource |
4791 |
91 |
|
Badly entered electronic card data |
4798 |
|
| Card verification fails |
4803 |
| 4803 | First chargeback it is not in historical file |
4804 |
| 4804 | MDS regulation |
4857 | 57 | 4840 | Multiple unauthorised transactions |
4863 | 75 | 4863 | Transaction not recognised by the owner |
4870 |
| 4870 | EMV LAIBILITY SHIFT- Counterfeit |
4871 |
|
4871 | EMV LAIBILITY SHIFT – Card lost / stolen |
4880 |
|
4880 |
Operation CHIP POS Late submission |
4896 |
96 |
| Exceeds limit (terminal amount limited) |
4899 |
| 4899 | Transaction not allowed |
4901 |
|
| Required document not received in representation |
4902 |
|
|
Doc received in representation illegible |
4903 |
|
| Doc received in representation invalid or incomplete |
4905 |
|
|
Data Ref. Adq invalid doc not received |
4908 |
|
4847 | Exceeds the limit (unauthorised operation) |
4918 |
|
| Data Ref. Adq invalid doc received |
4924 |
|
| Card included in the bulletin |
4999 |
| 4999 | Chargeback dispute in Europe |
International Visa
Category 10 - Condition disputed VISA | Substructure Issuer | PRICE Code Send Dispute | PRICE code Assigned to the dispute condition |
10.1 EMV Change of Responsibility (falsified) |
FRAU |
4600 |
4601 |
10.2 EMV Change of card responsibility Not falsified |
FRAU |
4600 |
4602 |
10.3 Fraud - Card present | FRAU | 4600 | 4603 |
10.4 Fraud - Card not present |
FRAU |
4600 |
4604 |
10.5 Visa fraud monitoring program |
FRAU |
4600 |
4605 |
Category 11 - AUTHORISATION Condition dispute VISA |
Substructure Issuer |
PRICE Code Send Dispute |
PRICE code Assigned to the dispute condition |
11.1 Card included in the black list (Regions |
AUTH |
4610 |
4611 |
11.2 Denied authorisation |
AUTH |
4610 |
4612 |
11.3 Not authorised |
AUTH |
4610 |
4613 |
Category 12 - PROCESS ERRORS Condition disputed VISA | Substructure Issuer | PRICE Code Send Dispute | PRICE code Assigned to the dispute condition |
12.1 Late submission |
LP |
4620 |
4621 |
12.2 Incorrect transaction code |
IT |
4620 |
4622 |
12.3 Incorrect currency |
IC |
4620 |
4623 |
12.4 Incorrect card number |
IAN |
4620 |
4624 |
12.5 Incorrect amount |
IA |
4620 |
4625 |
12.6 Process duplicated / Paid by other means |
D ó P |
4620 |
4626 |
12.7 Invalid data |
ID |
4620 |
4627 |
Category 13 - CLIENT DISPUTES Condition dispute VISA |
Substructure Issuer |
PRICE Code Send Dispute |
PRICE code Assigned to the dispute condition |
13.1 Merchandise / Services not received |
NR |
4630 |
4631 |
13.2 Recurring transaction cancelled |
CR |
4630 |
4632 |
13.3 It is not described or defective (Merchandise and Services) |
DM y ND |
4630 |
4633 |
13.4 Counterfeit goods |
CM |
4630 |
4634 |
13.5 Unreliable or distorted representation | M | 4630 | 4635 |
13.6 Non-processed subscription |
CN |
4630 |
4636 |
13.7 Cancellation / Return of Merchandise Or Services |
CR |
4630 |
4637 |
13.8 Original subscription transaction not accepted |
OC |
4630 |
4638 |
13.9 Cash not dispensed in ATM | NR | 4630 | 4639 |