Overview: The Cardholder or authorized person did not receive the. 5 Diners Collection Reason Codes. Code 4807: Fraudulent Card-Present Transaction. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. Clerical Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. Encrypt transmission of cardholder data. 99. 975. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested item illegible: 07: Warning Bulletin File: 08: Requested/Required Authorization Not Obtained: 12: Account Number Not on File: 31: Transaction Amount Differs: 34:Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. 7: Defective goods and services: C32: RM: 13. Issuer Review; Allocation. Fraud. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. There are multiple situations in which this can occur. The shorthand description is “Non-Receipt of Cargo, Services, or Cash. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. What are Chargeback Reason Codes? Chargeback reason codes are issued by the bank when a customer files for a chargeback. A well-structured rebuttal letter should address the chargeback reason code, clearly explaining why the cardholder's dispute is not legitimate and why the funds should be returned to you. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. Discover: Reason Code 4755 Non-receipt of goods or services. Some credit card companies also include a short phrase describing the code and chargeback. These may impact the dispute time limits. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at some. The chargeback transfers funds from the acquirer to the issuer. Chargebacks. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Spot these types of chargebacks using. 3 MasterCard Retrieval Reason Codes. Breakdown your chargeback data by some of the variables you collected in step #2: marketing source, product type, issuer BIN, customer’s country, reason. A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. Overview: The Cardholder or authorized person did not receive the merchandise or services at the location agreed with the merchant by the agreed date. Required Authorization Not Obtained. Chargeback reason codes have changed. What motives code 4855 chargebacks? Is theory, merchants shouldn't receive chargebacks with reason encipher 4855 anymore. ” This code indicates that the cardholder claims the merchant did not deliver the goods or services they paid for. Updated these Discover Chargeback Codes: RG, RM, U01, U02. Card networks send these codes to merchants to indicate. Reason codes are very crucial to assist. Chargeback of this Reason occurs (Non-Receipt of Goods or Services). STEP #3: The Reason Code. Order not received fraudulent chargeback notices is represented with the follow-up reason codes: AMEX - C08 Goods/Services Not Received or Includes Parcel Received. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. 4 Ways to Fight Chargebacks: Gather compelling evidence. may be reversed if merchant can provide proof that the correct fare was quoted to Cardholder; That<br />. ” This code indicates that the cardholder damages the salesman acted not ship an goods or offices group paid for. Each card. 5158. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. The business has the chance to refute the chargeback. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. When one cardholder initiates a dispute with their issuing bank, a. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. ) A no-nonsense summary of evidence that proves transaction is legit. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. 1 The issuing bank received a claim from the cardholder that merchandise or services ordered were not received or that the order was cancelled due to the delay in the delivery of merchandise or services. Receiving a damaged product. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). The shorthand description is “Invalid Card Number. M49 Vehicle Rental – Theft or Loss of Use. Only an issuer can initiate the chargeback process. The only viable strategy for preventing chargebacks having to do with processing errors is training staff on proper card acceptance procedures. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. All ACH return reason codes consist of the letter “R” followed by two. Each card network maintains reason codes to cover all the disputes that qualify for. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). Discover chargeback reason code RG falls under the “Services” category. S. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. Each chargeback received a numeric code which is known as the “reason code”. EMV Liability Shift Non-Counterfeit Fraud. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. There are several types of chargeback reason codes that can be used, including the following: 1. Request Transaction Documentation for Keyed Card Transaction. The third digit indicates the specific reason within that category. The major card networks have unique reason code systems, and banks use separate tools. 4. Discover uses the four main categories to organize its reason codes: Authorization, Service (Discover’s name for Card Member Disputes), Fraud, and Processing Errors. The bank will supply a reason code to explain the claim made by the cardholder. Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. The card issuer initiates the chargeback process to recover the funds from the merchant’s bank. There are dozens of reasons why cardholders and issuers dispute transactions. This reason code applies when a merchant somehow manages to process a transaction against an invalid, unassigned, or otherwise incorrect card number. 2 Compliance CasesChargeback code vs. news & updates. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. Chargeback Reason Codes Page 1 of 5 Card Type Reason Code Reason Text Chargeback Category Preventable Reversible MASTERCARD 4802 Requested/Required Item Illegible or Missing Request for Information YES YES MASTERCARD 4803 Documentation received was invalid/incomplete Request for Information YES YES Chargebacks. It was originally just one facet of legacy reason code 81. When it comes to the merchant they deal with the worst and many types of chargebacks. We know how to speak with bankers using the professional jargon they use. Some payment service providers like PayPal and Stripe have their own reason codes as well. Let’s say you got a Visa chargeback with reason code 13. In-Depth Analytics Recognize the really reasons to transaction disputes and solve issues at their source. 4 (Visa), 4387 (MasterCard), F29 (AmEx) and UA02 (Discover). Below are some examples of more common reason codes. About Discover chargeback reason codes. 102. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. 4. Visa - 10. Reason Code. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. This list was generated 5/4/2022. These are only a handful of common Visa chargeback reason codes. This category of fraudulent chargeback is represented with the following reason codes: AMEX - C08 Goods/Services Not Received or Only Partially Received. You should be. If the chargeback stems from the use of non-EMV readers, for example, the merchant should implement compliant terminals. EMV Liability Shift Counterfeit Fraud. 4 Funding Process. All categories. 104. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback reason codes and categories specified below. The shorthand description is “Non-Receipt the Goods, Services, or Cash. MasterCard: Reason Code 4859 Services not rendered. 3. F01. Chargeback reason codes. Order not received fraudulent chargeback notices is represented with the follow-up reason codes: AMEX - C08 Goods/Services Not Received or Includes Parcel Received. Discover reason codes. For perspective, the next highest. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. It gets worse. During this process, the representative of the institution examines the reasons’ list. Across open networks and include account numbers sent over email, instant messaging, text, or chat. Specify the invoice date and net due date that you want the system to assign to chargebacks. False Declines and False Positives: Issues arising from improper transaction reviews. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. The major card networks have unique reason code systems, and banks use separate tools. 4 spec (Section 8. 3: Defective/Not as. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Code 81. Spot these types of chargebacks using the below reason codes. 0 rule changes take effect April 15,. Ethoca alerts can prevent chargebacks before they hit your bank account. So don’t spend another second worrying about chargebacks. Chargeback reason codes. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. com Europe. September 2011: 5. For defective or “Not as Described” reason codes. #4 step: The issuer assigns a chargeback reason code. As an eCommerce merchant, you may think these chargeback codes can answer the motivation behind a chargeback. If Verify+ detects a mismatch or other dubious operation, the company will notify thou. The cardholder initiates contact with their bank or credit union to file a dispute. Reason Codes Category 4: Processing Errors. If a delivery date was not specified, the chargeback must be initiated within 120 days of the transaction processing date. The sales receipt and/or date and amount of the authorization if other than the transaction date. Which is meant to know the reason for the dispute. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. These disputes are commonly referred to as friendly fraud. In that way, winning one dispute may help prevent the next chargeback to come after it. “American Express Chargeback Reason Codes | Sift”. 3: Defective/Not as Described MerchandiseThe reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. Invent - UA02 Fraud – Card Not Present Transaction. Reason Code Reason Code North-America Reason. This category for scamming chargeback claims is represented with the following reason codes: AMEX - F29 Card Don Presentational. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. That suggests that in the times when merchants. MasterCard does not have an equivalent reason code. Reason code 12. The newer system is designed to. [1] Sift. 10. 800. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. 26% - the number of chargebacks that result from undelivered orders. About American Express chargeback reason codes. The reason code helps categorize the chargeback for the card network and issuing bank, and it also tells the merchant how they can fight the chargeback based on the corresponding reason for the. Retrieval Request/ Copy request Reason Codes. pdf), Text File (. 3. However, it is important to note that this reason code is based on the reason given by the customer to their bank. 4. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. Understanding Chargeback Reason Code for Each Chargeback Request. paper processing and mailing costs. A reason code is how banks categorize the reason for a chargeback. Disputes & Chargebacks. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. As we touched on earlier, chargebacks can happen due to technical errors. The cardholder claims either that the merchandise was never. Reason Code: A code used to provide additional information to the receiving clearing member regarding the nature of a chargeback, subsequent presentment, [. Chargeback /Dispute; Merchant Response. A chargeback also cannot be filed more than 540 days beyond the point at which the interaction began. Based on the information provided, Paymentology will investigate the transaction being disputed. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. The 20-day notice period is given to merchants to try to resolve the dispute with their customer and avoid the. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. Find - RG Non-Receipt of Goods, Company, or Coin h. There are two parts to this. 3. 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 is valid. com. This scenario applies when the arbitration was raised by either the. Services industry for image exchange and the creation of IRDs. 10. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. However, they don’t address the reason why that chargeback was issued in the first place. And according. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. 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. What is Discover chargeback reason code RG? Discover chargeback reason code RG declines under the “Services” category. Major card networks including Visa,. Below is a list of Mastercard chargeback codes used in eCommerce. The situation grows more tenuous when you realize most of those chargebacks were likely the result of friendly fraud. 1: EMV Liability Shift Counterfeit Fraud: 10. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. 634. 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. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. Chargeback response template for Digital Goods Not Received chargeback. However, Visa is the largest card brand in both the United States and the world. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. The merchandise was as described or was not defective. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Receive the Chargeback. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Please refer to chapter 5 for more information. 0. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. 60 due to merchandise, fees, overhead, and other sources of loss. Both EFM and ECM measure compliance at the MID level. This code collects all the. 0, these guidelines guarantee merchant protections from certain categories of disputes. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. 103. The claim often, but not always, involves automated teller machines (ATMs). If the chargeback is in the customer’s favor, the bank reverses the transaction and debits the business’s acquiring bank instead of crediting itVisa Reason Code 13. The reason code may not necessarily reflect the actual reason for the chargeback, but you ought to respond to it based on the provided chargeback code. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. The list of chargeback reason codes in this article. 4808: This code can refer to: Account Number Not on File. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. 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. ECM monitors first presentment chargebacks regardless of reason code or transaction type. American Express chargeback reason code C42. False declines lead to missed legitimate purchases, while false. Key-in your chargeback reason code and get a detailed explanation concerning what it means, how to fight the chargeback, and how go prevent disputes in the future. Fraudulent Activity. . . Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. Technical. Every chargeback comes with a reason code. Then it chooses the most applicable code for a. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. 4 Other Fraud Card Absent. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. EMV Liability Shift Non-Counterfeit Fraud. Both EFM and ECM measure compliance at the MID level. We’ll Handle the Chargebacks. underlying your chargeback. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). Written by Chargeback Gurus. Reason Code 53 re-presentments must be. 4 Fraud – Card-Absent Environment. ”. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. com. 1001 - Cardholder does not recognize the transaction. With that said, you still need to understand the reason codes with any chargebacks from Amex. A Visa chargeback reason code is a number that identifies the reason why a cardholder disputed a transaction that led to a chargeback. Managing Reason Code 41 chargebacks. Please refer to Annexure — B for details. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. The most popular type of disputes of the chargeback category. 6. Dispute Category. Each bank card network has its owner list of reason codes banks must prefer from. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. What are chargeback reason codes? Reason codes inform merchants about the reason why the customer is disputing a transaction, based on the information they provided to their bank. Category. So the company has more incentive to side with customer during cardholder disputes. Chargebacks from all three categories can show . Pinterest. All chargebacks start with a customer making a purchase in person, in an app, or online. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. A new 4 byte reason code will be used moving forward. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Please see the below “cheat sheet” for the new 4 byte reason codes. There is a USD 25 limit for the First Chargeback (Reason Code 22). chargeback real reason. 2. 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. 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. Forensic Cryptocurrency Investigation Services. Invent - UA02 Fraud – Card Not Present Transaction. With that said, you still need to understand the reason codes with any chargebacks from Amex. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. If the order was genuinely not as described, then the cardholder has a case. Step 2: Customer initiates the chargeback. The main chargeback reasons look like this: Malicious fraud. These four distinct. Valid Values/Format: 22 - First Chargeback Handling Fee. Survey data from the 2019 Chargeback Field Report found that 82% of merchants surveyed believed that the Visa Claims Resolution process had “little to no impact on chargeback management. 6. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. 3. For U. Other Ineligible Transactions Under Reason Code 62, Condition 2 . Most commonly the payer is a consumer. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Card networks send these codes to merchants to indicate why a chargeback has been filed. PCI DSS v3. In all, there are four major categories of Chargeback Reason Codes. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. The initial release of this standard does not add, remove or change any Return Reason Codes. Step 1: The cardholder disputes a charge. American Express: Reason Code C08 Goods or services not received or partially received. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Visa has recently announced changes to its chargeback rules. Vantage HouseMar 29, 2018 - What is Chargeback Reason Code 30? • For Visa: Reason Code 30 • For MasterCard: Reason Code 4855 • For Discover: Reason Code RG • For American Express: Reason Code 155 Overview: The Cardholder or. Last updated: October 15, 2019 . FR2 Fraud Full Recourse Program. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. a bank, credit union, etc. The transaction amount and authorization number (ARN. Specify the invoice date and net due date to assign to chargebacks. 102. Proof that the cardholder rejected your attempt to correct the quality. ), confirming that the cardholder has enough funds or available credit to cover a transaction they're making with their card. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. Merchants can fight back against invalid chargeback debit card claims through representment. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. Examples of compelling evidence that you may submit in response to a chargeback with this reason code include: Proof that the cardholder approved the quality of goods or services. Retrieve thine complete guide to the new Visa reason codes, including all the elaborate information, chargeback time limitation, and other important information to need. Chargeback Reason Codes Visa. First, after a cardholder contacts the bank to inquire about a transaction, the bank uses VROL to pull detailed transaction information. If a delivery date was not specified, the chargeback must be initiated within 120 days of the transaction processing date. Availability Date: October 24th, 2021. The delivery was delayed. 10. In some cases, Discover notifies merchants of pending chargebacks. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. compliance process depending on whether a chargeback right exists. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. While there are many chargeback reason codes, all chargebacks fall into one of three categories: Updated August 23, 2023. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRRThese chargebacks occur to resolve chargeback-related disputes between network members. The Federal Reserve Banks use Return Reason Code 6 for items drawn on a retired routing number and Return Reason Code X is used for paper deposited return items converted to image by the Federal Reserve Banks. Chargeback reason codes. Date Option. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. When a customer files a chargeback, the merchant receives a notification with an applicable chargeback reason code. Card networks send these codes to merchants to indicate why a chargeback has been filed. WEX began issuing chip cards in Q4, 2020. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. Either the acquiring or issuing bank could initiate the. The sales receipt and/or date and amount of the authorization if other than the transaction date. The major card networks (Visa, Mastercard, Discover, and American Express) established these codes to clearly identify the reason a chargeback was requested. The most common causes of this chargeback reason code are when services are not provided, merchandise is not shipped, transaction is billed. 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 Transaction Amount Differs 4834 Duplicate. What is Chargeback Reason Code 30? For Visa: Reason Code 30; For MasterCard: Reason Code 4855; For Discover: Reason Code RG; For American Express: Reason Code 155; Overview: The Cardholder or authorized person did not receive the merchandise or services at the location agreed with the merchant by the agreed date. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. That's because the cited reason code may only sometimes reflect the genuine motivation behind it. If you set up AAI item RKDxxx (where xxx is the reason code), the system uses the account that is associated with the AAI item. Once you know why a chargeback happened, you can start building a case to address the claims that were made. 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—QuestionableChargeback reason codes are what tell a merchant why a customer is disputing a charge. Discover: Reason Code 4755 Non-receipts of goods or services. Fraud (10)& Authorization (11)The chargeback reason code.