Chargebacks and Retrievals

Chargeback Reason Codesanchor

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.

This list was generated 5/4/2022. 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 Expressanchor

Processinganchor

Reason code Description
P01 Unassigned Card Number
P03 Credit Processed as Charge
P04 Charge Processed as Credit
P05 Incorrect Charge Amount
P07 Late Submission
P08 Duplicate Charge
P22 Non-Matching Card Number
P23 Currency Discrepancy

Fraudanchor

Reason code Description
FR2 Fraud Full Recourse Program
FR4 Immediate Chargeback Program
FR6 Partial Immediate Chargeback Program
F10 Missing Imprint
F14 Missing Signature
F24 No Cardmember Authorization
F29 Card Not Present
F30 EMV Counterfeit
F31 EMV List/Stolen/Non-received

Authorizationanchor

Reason code Description
A01 Charge amount exceeds authorization amount
A02 No valid authorization
A08 Authorization approval expired

Disputeanchor

Reason code Description
C02 Credit not processed
C04 Goods/services returned or refused
C05 Goods/services canceled
C08 Goods/Services Not Received or Only Partially Received
C14 Paid by Other Means
C18 “No Show” or CARDeposit Canceled
C28 Canceled Recurring Billing
C31 Goods/Services Not as Described
C32 Goods/Services Damaged or Defective
M10 Vehicle Rental - Capital Damages
M49 Vehicle Rental - Theft or Loss of Use

Otheranchor

Reason code Description
R03 Insufficient Reply
R13 No reply
M01 Chargeback Authorization

Dinersanchor

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)

Discoveranchor

Processinganchor

Reason code Description
IN Invalid Card Number
LP Late Presentment

Fraudanchor

Reason code Description
UA01 Fraud/Card Present Environment
UA02 Fraud/Card-Not-Present Environment
UA05 Fraud/Counterfeit Chip Transaction
UA06 Fraud/Chip-and-Pin Transaction
UA10 Request Transaction Receipt (swiped card transactions)
UA11 Cardholder claims fraud (swiped transaction, no signature)

Authorizationanchor

Reason code Description
AT Authorization Non-compliance
DA Declined Authorization
EX Expired Card
NA No Authorization

Disputeanchor

Reason code Description
AA Cardholder Does Not Recognize
AP Canceled Recurring Transaction
AW Altered Amount
CD Credit Posted as Card Sale
DP Duplicate Processing
IC Illegible Sales Data
NF Non-Receipt of Cash from ATM
PM Paid by Other Means
RG Non-Receipt of Goods or Services
RM Quality Discrepancy
RN2 Credit Not Received
NC Not Classified

JCBanchor

Retrieval reason codesanchor

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 codesanchor

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

Mastercardanchor

Processinganchor

Reason code Description
4834 Point of Interaction Error
4834 Transaction Amount Differs
4834 Late Presentment
4834 Point-of-Interaction Currency Conversion
4834 Duplication/Paid by Other Means
4834 ATM Disputes
4834 Loss, Theft, or Damages

Fraudanchor

Reason code Description
4837 No Cardholder Authorization
4849 Questionable Merchant Activity
4870 EMV Chip Liability Shift
4871 EMV Chip/PIN Liability Shift

Authorizationanchor

Reason code Description
4807 Warning Bulletin File
4808 Authorization-Related Chargeback
4812 Account Number Not on File
4808 Required Authorization Not Obtained
4808 Expired Chargeback Protection Period
4808 Multiple Authorization Requests
4808 Cardholder-Activated Terminal (CAT) 3 Device

Disputeanchor

Reason code Description
4853 Cardholder Dispute of a Recurring Transaction
4853 Goods or Services Not Provided
4853 No-Show Hotel Charge
4853 Addendum Dispute
4853 Credit Not Processed
4853 Goods/Services not as Described or Defective
4853 Digital Goods $25 or less
4853 Counterfeit Goods
4853 Transaction Did Not Complete
4853 Credit Posted as a Purchase
4854 Cardholder Dispute Not Classified Elsewhere

Otheranchor

Reason code Description
4850 Installment Billing Dispute (Participating Countries Only)
4999 Domestic Chargeback Dispute (Europe Region Only)

Visaanchor

Processinganchor

Reason code Description
12.1 Late Presentment
12.2 Incorrect Transaction Code
12.3 Incorrect Transaction Currency Code
12.4 Incorrect Account Number
12.5 Incorrect Amount
12.6 Duplicate Processing/Paid by Other Means
12.7 Invalid Data

Fraudanchor

Reason code Description
10.1 EMV Liability Shift Counterfeit Transaction Fraud
10.2 EMV Liability Shift Non-Counterfeit Fraud
10.3 Other Fraud-Card Present Environment
10.4 Other Fraud-Card Absent Environment
10.5 Visa Fraud Monitoring Program

Authorizationanchor

Reason code Description
11.1 Card Recovery Bulletin
11.2 Declined Authorization
11.3 No Authorization

Disputeanchor

Reason code Description
13.1 Merchandise/Services Not Received
13.2 Cancelled Recurring
13.3 Not as Described or Defective Merchandise/Services
13.4 Counterfeit Merchandise
13.5 Misrepresentation
13.6 Credit Not Processed
13.7 Cancelled Merchandise/Services
13.8 Original Credit Transaction Not Accepted
13.9 Non-Receipt of Cash or Load Transaction Value