Braintree SDK Docs

Chargeback Reason Codes

All received credit card disputes include a reason code. Reason codes vary by card brand. The list of chargeback reason codes in this article is organized by card brand and type of dispute.

Please note: Reason codes may vary depending on the region in which you process or the payment network that the payment was processed through.

This list was generated 9/22/2025 based on the chargeback reason codes actively being received and surfaced to merchants. It is subject to change and may not include every currently known dispute reason code.

See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes.

American Express

Reason	Reason Code
cancelled_recurring_transaction	`C28`
credit_not_processed	`175`
credit_not_processed	`684`
credit_not_processed	`4513`
credit_not_processed	`C02`
credit_not_processed	`C04`
credit_not_processed	`C05`
credit_not_processed	`C18`
duplicate	`173`
duplicate	`P08`
fraud	`193`
fraud	`4540`
fraud	`F29`
fraud	`FR2`
general	`M38`
general	`R03`
general	`R13`
general	`S01`
not_recognized	`127`
not_recognized	`177`
product_not_received	`155`
product_not_received	`4554`
product_not_received	`C08`
product_unsatisfactory	`C31`
product_unsatisfactory	`C32`
transaction_amount_differs	`P05`

Diners

Reason code	Description
`A02`	Authorization Processing Errors
`A06`	Unissued Account Number
`B24`	Charge Older than Thirty Days
`B25`	Duplicate Charge
`B26`	Alternate Settlement Currency Incorrect Exchange Rates
`B27`	Incorrect Currency
`C41`	Fraud - Card Present Transaction
`C42`	Fraud - Card Not Present Transaction
`C46`	Multiple Charges at Service Establishment Fraudulent Transaction
`C49`	Reason Code No Longer in Use
`C50`	Suspect Service Establishment – No Response to the Suspected Fraudulent Service Establishment Report
`C51`	Suspect Service Establishment – Terminated Service Establishment
`D61`	Altered Amount
`D62`	Non-Receipt of Goods or Services
`D65`	Incorrect Transaction Type
`D66`	Credit not Processed
`D67`	Cardmember Paid by Other Means
`D69`	Canceled Recurring Transactions
`D70`	Cardmember Does Not Recognize
`D71`	Non–receipt of Cash (ATM)

Discover

Reason	Reason Code
cancelled_recurring_transaction	`4541`
credit_not_processed	`4550`
credit_not_processed	`8002`
duplicate	`4534`
duplicate	`4865`
fraud	`37`
fraud	`1040`
fraud	`4863`
fraud	`4866`
fraud	`6005`
fraud	`6040`
fraud	`6041`
fraud	`7030`
not_recognized	`4752`
not_recognized	`6021`
product_not_received	`4755`
product_unsatisfactory	`4553`
transaction_amount_differs	`4586`

Elo

Reason	Reason Code
credit_not_processed	`85`
general	`1`
fraud	`7030`
fraud	`83`

Hipercard

Reason	Reason Code
fraud	`4837`

JCB

Retrieval reason codes

Reason code	Description
`01`	Sales Draft (copy)
`02`	Sales Draft (original)
`03`	T&E Document (copy)
`04`	T&E Document (original)
`05`	Substitute Draft
`06`	Sales Draft (copy) + T&E Document (copy)
`07`	Sales Draft (original) + T & E Document (original)
`08`	Sales Draft (copy) + Substitute Draft
`09`	T&E Document (copy) + Substitute Draft

Chargeback reason codes

Reason code	Description
`501`	Non-JCB Card
`502`	Card-Member Dispute
`503`	Expired JCB Card
`507`	Incorrect Transaction Amount
`510`	Mis-Post
`512`	Duplicate Processing
`513`	Credit Not Received
`516`	Non-Receipt of Requested Item
`517`	Requested Copy Illegible
`521`	Transaction Exceeds Floor Limit
`522`	Authorisation Declined
`523`	Incorrect Card Number
`524`	Addition Error/Transaction amount differs
`525`	Altered Amount
`526`	No Signature
`527`	No Imprint
`534`	Unauthorized Multiple Transactions
`536`	Late Submission
`537`	No Show Dispute
`538`	Advance Deposit
`541`	Illegible Item
`544`	Canceled Recurring Transaction
`546`	Unauthorized Purchase/Fraud
`547`	JCB Card on Stop List
`554`	Non-Receipt of Merchandise/Cash at ATM
`580`	Non-Receipt of T&E Documentation
`581`	Split Sale
`582`	Domestic Transaction
`583`	Paid By Other Means

Maestro

Reason	Reason Code
fraud	`4837`
general	`74`

Mastercard

Reason	Reason Code
cancelled_recurring_transaction	`41`
cancelled_recurring_transaction	`4841`
credit_not_processed	`60`
credit_not_processed	`4860`
duplicate	`34`
duplicate	`4834`
fraud	`7`
fraud	`37`
fraud	`70`
fraud	`81`
fraud	`4808`
fraud	`4837`
fraud	`4868`
fraud	`6000`
fraud	`UF`
general	`1`
general	`71`
general	`74`
general	`4000`
invalid_account	`12`
invalid_account	`4812`
not_recognized	`8`
product_not_received	`55`
product_not_received	`59`
product_not_received	`4555`
product_not_received	`4855`
product_unsatisfactory	`53`
product_unsatisfactory	`4853`
transaction_amount_differs	`31`
transaction_amount_differs	`4831`

UnionPay

Reason	Reason Code
fraud	`6005`
fraud	`7030`

Visa

Please note: Since reason codes do not currently support decimals, Visa's new reason codes are represented as 4 characters with a 0 (e.g. 10.4 = 1040).

Reason	Reason Code
cancelled_recurring_transaction	`41`
cancelled_recurring_transaction	`1320`
credit_not_processed	`85`
credit_not_processed	`136`
credit_not_processed	`1360`
credit_not_processed	`1370`
credit_not_processed	`4560`
credit_not_processed	`5000`
duplicate	`34`
duplicate	`82`
duplicate	`126`
duplicate	`1260`
duplicate	`1261`
duplicate	`1262`
fraud	`37`
fraud	`49`
fraud	`81`
fraud	`83`
fraud	`104`
fraud	`1040`
fraud	`1050`
fraud	`1340`
fraud	`4868`
fraud	`6000`
fraud	`6500`
fraud	`UF`
general	`0`
general	`1`
general	`1220`
general	`1230`
general	`1350`
general	`3000`
general	`4000`
general	`A1`
general	`R3`
invalid_account	`1240`
invalid_account	`1270`
not_recognized	`8`
not_recognized	`1130`
product_not_received	`30`
product_not_received	`131`
product_not_received	`1310`
product_not_received	`4555`
product_unsatisfactory	`53`
product_unsatisfactory	`1330`
product_unsatisfactory	`4553`
transaction_amount_differs	`1250`
transaction_amount_differs	`4586`