Each card issuer follows their own standards for defining reason type, code and its format. The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. With that said, you still need to understand the reason codes with any chargebacks from Amex. Let’s say you got a Visa chargeback with reason code 13. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing 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. Updated Visa Reason Codes. 60 due to merchandise, fees, overhead, and other sources of loss. Discover chargeback reason code 7030. The invalid ACH routing number may be the result of a simple typo or may indicate an incorrect routing number was provided. This list can provide you with a brief detail on the reasons for. Here's a list of all the current Visa reason codes: Chargeback Code. Download this sample Chargeback Rebuttal Letter. The first thing you should do when you receive a chargeback notification is to check the reason code that the card issuer assigns to the dispute. It was originally just one facet of legacy reason code 81. Chargeback Reason Code . chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal. F29. Overall returns (all codes): 15%. The shorthand description is “Late Presentment. Mastercard also considers some chargeback reason codes to be indisputable. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. Try Shopify free for 3 days, no credit card required. For this reason, you must document all debit and credit card transactions and adhere to the strict rules set by the card networks. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. . Reason Code. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Report. Detail. Expired or Not Yet Valid Card. Each bank card network has its owner list of reason codes banks must prefer from. Tax Discrepancy (only in a Tax On environment) Credit Note Tax Discrepancy (only in a Tax On environment) RTV Chargeback. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. The cardholder initiates contact with their bank or credit union to file a dispute. These codes are established by the payment brands to categorize the incoming dispute requests by reason. 1 American Express chargeback reason code C31 falls under the “Card Member Disputes” category. A Charge is Disputed * We’ll work directly with the Card Member and try to resolve the case before reaching out to you. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. 5? Visa chargeback reason code 13. The shorthand description is “Misrepresentation. Either the acquiring or issuing bank could initiate the. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. Each chargeback is disputed by a specific reason code. The shorthand description is “Cancelled Recurring Transaction. screen . Fight; Prevent;. US and Canada. A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. The codes also appear on financial reporting associated with disputes. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. ACH Return Reason Codes 3-17-2009 CheckGateway, LLC Page 2 of 3 R36 Return of Improper Credit Entry. Account closed. The Sift Digital Trust & Safety Platform does what other fraud tools can’t, patented technology delivers. Solution. 2 Compliance CasesIn 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. For example, 10. American Express Chargebacks / Disputes. 901. Some credit card companies also include a short phrase describing the code and chargeback. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. Receiver of a recurring debit has stopped payment of an entry. This typically. Erläuterung. Subsection5. Credit not processed for cancelled or returned goods and services 2. The cost of payment card fraud has increased by 60% over the last decade, and is expected to increase significantly post Covid-19. In order to optimize the revenue streams from ACH payments, businesses need to check return reason codes regularly. R-Code. In short, chargebacks are costly. Kontonummer fehlerhaft (ungültige IBAN) SEPA Reason Code bei: SCT. What is Visa chargeback reason code 12. In most cases, you will have 20-45 days in which to respond to a chargeback. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. This may include: Transaction receipts; Merchant credentials; Customer authorizationThe existing 22 chargeback reason codes will be replaced by new reason codes and grouped into 4 categories: 1. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. Timeframe: Under card network rules, a cardholder has up to 120 calendar days from the settlement date to initiate a chargeback (depending on the chargeback reason code). Card networks send these codes to merchants to indicate why a chargeback has been filed. So the company has more incentive to side with customer during cardholder. These are only a handful of common Visa chargeback reason codes. 3. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. 10. Discover: Reason Code 4755 Non-receipt of goods or services. The main chargeback reasons look like this: Malicious fraud. The charge is returned to the customer’s card that was used for payment. 2 Added chapter providing information about the DiscoverChargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. If the order was genuinely not as described, then the cardholder has a case. 04/09/14 Discover: DC, U02. Reason Code 12. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. Less than 20% of merchants noted a slight decline in Visa chargebacks after VCR, while over 55% reported no decline in chargebacks. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. 26% - the number of chargebacks that result from undelivered orders. R01 Insufficient Funds. . The three-character code notes the specific reason. Card Issuer. P07 – Late Submission. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. 3. F14* Missing Signature. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. It is important for the merchant to know about the American Express Chargeback. 6 falls under the “Consumer Disputes” category. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. The chargeback transfers funds from the acquirer to the issuer. Everyone has had the experience of buying. According to Nilson, 56% of global card transactions were done on Visa in 2015. Message. Chargeback reason code 10. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. Claim. About American Express chargeback reason codes. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. 3. Blog. It’s crucial that you recognize the common merchant errors that might trigger a reason code 13. R13 Select a code to see the details QUICK REFERENCE Time to respond: 20 days from date of chargeback. 2. You must tailor your representment case — including the compelling evidence — to the reason code under. Reason. A chargeback happens when a customer requests for a transaction to be reversed. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Step 1: Identify the Source. Download PDF . The Electronic Fund Transfer Act is a piece of US legislation that requires banks to provide certain information to customers regarding electronic fund transfers (EFTs). You can't defend the return, but it may be allowed to retry the payment. 4: Fraud—Card-Absent Environment. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. That’s 50% more time than what the major card networks allow. Chargeback reason code 11. 3. AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. Claim Adjustment Reason Codes - All . Verwendung. Articles; Chargeback Reason Codes;. F01. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Receive the Chargeback. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. Built with a single, intuitive console, Sift’s end-to-end solution eliminates the need for disconnected tools, single-purpose software, and incomplete insights that drain operational resources. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code F29, which indicates an unauthorized transaction that the cardholder does not believe they should be responsible for paying. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. Choose “chargeback and inquiry status” from the drop-down menu. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. 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. 1 falls under the “Consumer Disputes” category. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Additionally, Amex uses a fifth "Miscellaneous" category. Fraud (10)& Authorization (11)This Return Reason Code is generally used on CIE transactions. 103. By entering your email, you agree to receive marketing emails from Shopify. Quantity Discrepancy. 6: Duplicate processing/Paid by other means. At Visa they used to receive reason code 98. 4. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). Description. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. 4 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. 6). But, merchants should be aware that, eventually, everyone will be required to use the new designations. 1 chargeback: The merchant failed to ship the merchandise or provide the service as agreed. Resources. 2. The merchant did not provide a response to an Amex inquiry within the specific time period. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Note: If there are no Motives applicable to the Reason Code, this field contains “0. 6. Customer advises not authorized. The EFTA was first enacted in 1978. 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. 6? Visa chargeback reason code 13. 2. Reason codes. This field allows for query by reason code ID which is a unique identifier of the reason. Submitted: The response has been sent and the issuer is. Collected funds are not sufficient for payment of the debit entry. Most chargebacks occur due to merchant error, true fraud and friendly fraud. Mastercard has plans to follow suit. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. F24* No Cardholder Authorization. That suggests that in the times when merchants. Since the chargeback process can be costly and time consuming, merchants should consider it an important priority. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. To indicate the reason of the return, ACH provides a reason code that we return in the NOTIFICATION_OF_CHARGEBACK and CHARGEBACK webhooks, and in your Customer Area > Risk. #9. the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date) However, if the customer returned merchandise or. P22 – Non-Matching Card Number. 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. High Level Visa Chargeback Dispute Flow. MCC 5815 — Digital Goods: Media (Books,. Other Fraud—Card Present Environment. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. Solution. Card Brand Code Description Days to Dispute Dispute Category;. If the cardholder bases the claim on false or misleading statements, it is considered friendly fraud. Chargeback. Specify the default reason code that you want the system to assign when you enter a chargeback amount. the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date)A service chargeback is filed by a customer, which means that you need to note the card type and dispute reason code so that you can determine which types of information to submit if you dispute the claim. 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. Chargeback reason codes are codes used to categorize the reason for the dispute. If you don’t reply in time or with . A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. Visa recently shortened chargeback time limits from 45 days to 30. It can range from 60 to 120 days from the billing date. However, the 30 day waiting period can be waived if you’ve. 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. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. Incorrect Account Number. Those reasons are explained through the corresponding reason codes. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. EMV Liability Shift Counterfeit Fraud. 1 Merchandise/Services Not Received. For a brief overview of chargeback reason codes, refer to the table below. The type of reason code for which you are searching. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. 02/10/16 Added Debit Chargeback Reason Codes. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Chargebacks are something every business wants to avoid, as they can. 1. R03 – Unable to locate account or no account. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. 2. R13: Invalid ACH routing number:. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. The shorthand description is “No Reply. Here’s how your store can prevent and deal with chargebacks. R02. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. One catch is that CE3. 10. Chargeback fees can start at US$25 and go up from there. 1 Merchandise/ Services Not Received. the Chargeback. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. The codes also appear on financial reporting associated with disputes. for chargeback reason code 4863 (Cardholder Does Not Recognize). R13: Retrieval Response Not Received- for chargeback reason code 4863 (Cardholder Does Not Recognize). Timeframe to Initiate Chargeback 120 calendar days from the date of the transaction Representment Rights/ Merchant Action Proof that a Credit which directly offsets the Disputed Charge has already been processed Issuer Required Documentation None Special Notes Inquiry required prior to Chargeback. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. com 14Chargeback Reason Codes All received credit card disputes include a reason code. Dispute. Specify the invoice date and net due date that you want the system to assign to chargebacks. It is important for the merchant to know about the American Express Chargeback Reason Codes when dealing with a chargeback. P05 – Incorrect Charge Amount. As such, it is limited to merchants in the following merchant category codes (MCCs): MCC 5735 — Record Stores. Each of these situations was given an alphanumeric identification code called a chargeback reason code, which is meant to explain the reason for the dispute. There are several reasons why many merchants turn a blind eye to suspected return fraud. RDR will send an alert to the merchant, who can either initiate a refund to end the dispute or accept the chargeback. However, Visa is the largest card brand in both the United States and the world. Card Type Reason Code. If you're contesting a chargeback, you'll need solid evidence. ACH return codes identify the reason an ACH payment was returned by the recipient's bank. 1. 2. Chargeback Reason Coded by Network - 2023 Guide. 7. The chargeback is ordered by the bank that issued the consumer's payment card. About American Express chargeback reason codes. Documentation must be a direct result of cardholder communication. Chargebacks. Unauthorized returns (R05, R07, R10, R29, R51): 0. 5. By entering your email, you agree to receive marketing emails from Shopify. Amex Dispute Codes List of NACHA ACH Return Codes. During this process, the representative of the institution examines the reasons’ list. Solution. But if RDR receives a dispute about a Visa card transaction, it will instead consult the ruleset provided by the. Discover - RG Non-Receipt of Goods, Services, or Cash. Payment stopped. F22. 4853 – Cardholder Dispute – Credit Posted as a Purchase. What are reason codes? Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. Chargeback. A reason code is how banks categorize the reason for a chargeback. REASON CODE R13 NON-RECEIPT OF REQUESTED ITEM. EMV Liability Shift Counterfeit Fraud. While the updates have been published, they do not go into effect until Oct. The network hasn't wholly disallowed some old codes. P08 – Duplicate Charge. Case Studies. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. ” This code indicates that the cardholder claims the merchant processed a recurring billing transaction after they had submitted a cancellation request or closed their account. For perspective, the next highest. F02. R05 – Unauthorized debit to consumer account using Corporate SEC code. High Level Visa Chargeback Dispute Flow. ETAILS. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. American Express reason code 155, Visa reason code 30, MasterCard reason code 4855, and Discover reason code 4755 are all specific reason codes for Shopify payment chargebacks. Discover is a credit card network and an issuing bank—just like American Express. While the format of chargeback reason codes. These are all the known American Express chargeback codes. 4 Funding Process. Each chargeback is assigned a reason code that explains the justification for the chargeback. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. NOC (Notice Of Change) Codes Code Meaning C01 Incorrect DFI Account NumberapplyHold("hold_code") specifies the applyHold method and the hold code to use when applying the hold. When a card is declined, it is in your best interest to accept that answer and either cancel the transaction or ask for a different form of payment. Goods and services not as described or cardholder received defective goods or services 3. This page includes both the new and old Visa reason codes. 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 TRRSurvey 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. If you don’t reply in time or with . Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Be sure you understand the cardholder’s claim. Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. The chargeback notification send by the issuing bank will include the reason code for the chargeback. Typical chargeback reason codes are: DA: Disputed amounts. However, it is important to note that this reason code is based on the reason given by the customer to their bank. The request comes from the credit card issuer or cardholder and goes to the acquirer or merchant. Shopify has four status categories for chargebacks and inquiries: Open: No response has been sent yet and evidence can still be added. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. R01. Merchants who believe they have received an invalid chargeback under reason code 13. 7 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Not remembering the original purchase. A01 | A02 | A08. R13 Invalid ACH Routing Number ( formerly: RDFI Not Qualified to Participate ). Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. P04 – Charge Processed as Credit. Each debit or credit transaction being returned is returned by the customer's financial institution. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. Reason Code. If the customer’s story matches. The invalid ACH routing number may be the result of a simple typo or may indicate an incorrect routing number was provided. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. This code tells you why the customer or bank initiated the dispute. 105. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. 0 represents the first rules change of its kind that specifically provides merchants with the opportunity to reverse the fraud status applied to a transaction associated by reason code 10. Dispute Category. Chargeback. Also, remember that the time frame for your response includes any processing required by the acquirer. Chargeback reason codes. Updated these Visa Chargeback Codes: 30, 62, 85. This chargeback occurs when merchants do not adequately provide currency information. ; Help Center Find answers to common questions about Midigator’s technology,. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. ASE . Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. It gets worse. Configure Claim Reasons to map to a Chargeback Reason in AR. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. American Express is incentivized to keep their customers happy. 6. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how to prevent disputes in the future. ↩ Back to Directory. Chargeback Code: Type: Inquiry Related Chargeback: R03* Insufficient Reply: R13* No Reply: M01* Chargeback Authorization: Code: Type: Chargeback Programs: FR2: Fraud Full Recourse Program: FR4: Immediate Chargeback Program: FR6: Partial Immediate Chargeback ProgramMidigator has created a database of reason codes. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Visa chargeback reason code 13. Most such requests are made to. 4 spec (Section 8. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. For example, 'R04' indicates that an invalid account number was provided. Your firm needs to embrace a customer-centric approach focused on transparency and. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. Code 13. Visa chargeback reason code 75 is filed as an honest mistake. Updated these Discover Chargeback Codes: U05, U06. . Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. 102. 16 Chargeback Reason Code 71 – Declined Authorization. American Express Chargebacks / Disputes. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. Merchants. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. For example, Visa Chargeback reason code 83 is now VCR reason code 10. com 14. R10. The chargeback can be for the total transaction amount or a lesser amount. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. The assigned chargeback reason code outlines why a customer submitted the dispute. Visa Chargeback Life Cycle. 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. As part of its move to support card-not-present merchants and airlines, Visa made changes to the compelling evidence requirements for four key reason codes: Reason Code 30: Services Not Provided or Merchandise Not Received. How long can the issuer wait to file a dispute? The dispute timeline can be based on one of two start dates. A01. There are plenty of reasons as to why this would happen, hence the many. The 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. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. Chargeback Reason Codes.