SUPPORT

Chargeback reason codes

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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