American Express chargeback reason code C14 falls under the “Card Member Disputes” category. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. CARDeposit is a long-running American Express program. TC40 and SAFE data also isn’t always reported before a chargeback is filed. A chargeback happens when a customer requests for a transaction to be reversed. Under Visa Claims Resolution, the Visa dispute process is split into two different tracks, each with its own requirements. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. 1 chargeback: 1. EMV Liability Shift Counterfeit Fraud. The chargeback transfers funds from the acquirer to the issuer. What is Visa chargeback reason code 13. The time limit for Reason Code 90 is 45 calendar days from the transaction processing date. Spot these types of chargebacks using. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 4: Other Fraud–Card-Absent Environment. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. • 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. A chargeback report is a periodic report that compiles key chargeback stats to track trends and identify correlations between disputes and other business data. George goes to a convenience store and buys a sandwich. Braintree Support Articles Chargebacks and Retrievals Chargeback Reason Codes All received credit card disputes include a reason code. Region Only) 4855 Goods or Services Not Provided. Find every single American Express Chargeback Reason Code, as well as information to help you prevent and win American Express dispute cases. 2. Chargeback reason codes have changed. WEX began issuing chip cards in Q4, 2020. 0. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. A02 = No valid authorisation. 2. 104. 101. These are only a handful of common Visa chargeback reason codes. What is Visa Reason Code 11. American Express. Merchants who believe they have received an invalid chargeback under reason code 13. 4 Funding Process. The merchant processed a transaction the cardholder wasn't a part of. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. C14. 2. Discover: Reason Code 4755 Non-receipts of goods or services. 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:“Visa has 28 different reason codes. Other Ineligible Transactions Under Reason Code 62, Condition 2 . 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. Thus, the easiest way to prevent chargeback reason code 75 from being. Response Cardholders and issuers have 120 days to file a dispute related to. While there are many chargeback reason codes, all chargebacks fall into one of three categories:101. C14. Type. C14 Paid by Other Means; C18 “No Show” or CARDeposit Canceled; C28 Canceled Recurring Billing;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. 2 address the specific dispute reason with the documents you send. For merchants at risk of exceeding important chargeback thresholds, this cost is often well worth it. 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. 6). • Clarified support required to request a Chargeback Reversal for Credit not processed (ISO 4513) / Goods/ services returned or refused (C04). 0 rule changes take effect April 15,. Merchants. The customer regrets their purchase. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet phone, or mail orders. A01 – Charge Amount Exceeds Authorization Amount. The cardholder has provided American Express with proof of payment by another method. 1 – EMV Liability Shift 10. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. Based on the information provided, Paymentology will investigate the transaction being disputed. Some payment service providers like PayPal and Stripe have their own reason codes as well. A new 4 byte reason code will be used moving forward. A chargeback happens when a customer requests for a transaction to be reversed. Spot these types of chargebacks using the below reason codes. 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. Include any terms relevant to the transaction, including return, cancellation and. Most commonly the payer is a consumer. Card Brand Code Description. 4. Merchants in the credit repair industry can fight chargebacks by keeping thorough records, including signed service agreements, invoices, receipts, and records of any communication with customers. Discover: Reason Code 4755 Non-receipts of goods or services. The most common cause, though, is that the cardholder initially paid for a transaction with a Visa card, then decided to use. Chargeback representment succeeds when you can present your rebuttal concisely and substantiate. EXIDRL–IKVFDLIONCFKNQLOFC AMEX CODE A01What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. By entering your email, you agree to receive marketing emails from Shopify. But, it could be up to 540 days, in some situations. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. 1. Most common causes for Reason Code 90. Chargeback Report. C14: Paid by Other Means: C18 “No Show” or CARDeposit. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The average chargeback fee is around $25. Step 1: The cardholder disputes a charge. Chargeback. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. 3 No Authorization. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. The tickets were held at the box office, and no signature, swipe or imprint. 4807 – Warning Bulletin File. Specifically, these updates only pertain to transactions that are charged back after Oct. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. However, Visa is the largest card brand in both the United States and the world. Victims apply for a legitimate-sounding work-from-home position, but are required to buy a laptop or other equipment. Each card network maintains reason codes to cover all the disputes that qualify for. 1 Quick Reference Lead. Amex Chargeback Reason Code C14: Paid by Other Means Description Cardholder complaints with his card issuer that he was willing to pay for a transaction with the credit card, and he did complete the transaction but at the same time he changed his mind and used other means to pay for the same transaction i. Technical. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. FR6 Partial Immediate Chargeback Program. 2 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. CODE: DESCRIPTION: A01: Charge Amount Exceeds Authorization Amount. There are plenty of reasons as to why this would happen, hence the many. This code applies when a transaction was processed without acquiring authorization…but the card used in the transaction was listed in the Visa Card Recovery Bulletin (CRB). Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. 1. Merchants can find a. Now, compliance cases go through Visa Resolve Online (VROL). Reason Code 53 Re-presentment Conditions. Reason code 83 represents a chargeback categorized as. According to our research, friendly fraud will represent six out of every ten chargebacks filed in North America by 2023. May 2011: 5. A chargeback happens when a customer requests for a transaction to be. Date Option. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. ”. R03 Insufficient Reply. ) A no-nonsense summary of evidence that proves transaction is legit. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. Now, 10. C14 – Paid by Other Means. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. Only an issuer can initiate the chargeback process. Ethoca alerts can prevent chargebacks before they hit your bank account. For perspective, the next highest. This will be referenced in the chargeback notice you received. 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). Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. Check with the issuing banks to determine what time limits may apply to you. This scenario applies when the arbitration was raised by either the. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. The date on the credit receipt. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. For all other transactions, the maximum amount of. 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. By entering your email, you agree to receive marketing emails from Shopify. C05 – Goods / Services Cancelled. One thing that TC40 and SAFE reports cannot be used for is keeping tabs on chargebacks. UniBul August 16, 2010 Credit Card Processing Blog 0 Comments. For Visa disputes, the reason code also dictates which workflow the case will take. Braintree Support Articles. If the customer’s story matches. Depending on the bank, chargeback fees can range anywhere from $20 to $100. There are over 80 unique return codes, and each one represents a different type of return. On xx/xx/xxxx, we received a chargeback under the reason code 11. Discover Chargeback CodesMDR also retired reason code 4840 – Fraudulent Processing of Transactions. However, it is important to note that this reason code is based on the reason given by the customer to their bank. While the updates have been published, they do not go into effect until Oct. A chargeback filed due to buyer’s remorse is a prime case. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. 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 Try Shopify free for 3 days, no credit card required. com Europe. C08 = Goods/Services not received or only partially received. C04 – Goods / Services Returned or Refused. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. Merchant must provide proof of authorization. C18 – “No Show”. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. However, it also encompasses scenarios like. Response M10 Vehicle Rental – Capital Damages. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. Other Fraud—Card Absent Environment. Updated Disputes/Chargeback Policy Coming April 2024American Express chargeback reason code C18 falls under the “Card Member Disputes” category. 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. Also, remember that the time frame for your response includes any processing required by the acquirer. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. The chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. 4. Each bank card network has its owner list of reason codes banks must prefer from. Chargeback time limits vary depending on the reason for the dispute. Once filed, the merchant generally has 20 days to respond to the chargeback. 4. PCI DSS v3. The following are some examples: Visa Reason Code 13. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). 3. 3: Goods or services were not received: C08: RG: 4855: 13. These chargebacks occur to resolve chargeback-related disputes between network members. Next, you can log in to your PayPal account and click on Open Cases in the Resolution Centre. Proof you have already refunded the transaction and credited the cardholder’s account. Visa uses chargeback Reason Code 86 to designate chargebacks resulting when the card issuer receives a written complaint from the cardholder stating that the payment for the transaction at issue was made by other means, not with the credit card that was charged. The cardholder may be the customer or the someone who lent their card to a friend or relative. Feel free to submit topic suggestions, questions or requests for advice to:. 1 Merchandise/Services Not Received . The date the services were cancelled. Review your credit card processor’s policies to understand its chargeback dispute process. Administrative returns (R02, R03, R04): 3%. For details on how to receive notifications of chargebacks, accept or dispute them, and submit evidence to. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from card Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Always differentiate between card-not-present and card-present. Technical. New Code per Visa update. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. Be careful not to process canceled or voided transactions. 1 is the successor to the older reason code 30, which was replaced as part of the Visa Claims Resolution initiative. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. Chapter 5. Issuers can sometimes wait months after the chargeback to submit. The shorthand description is “Late Presentment. 4860 Credit Not Processed. MasterCard: Reason Code 4859 Services not rendered. The terminal action codes are in Table 122 of the 4. 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. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature) Visa Chargeback Reason Codes Mastercard Chareback Reason Code; 30: Services Not Provided or Merchandise Not Received 57: Fraudulent Multiple Transactions 62: Counterfeit Transactions 81: Fraud- Card-present environment 83: Fraud- Card-absent environment 13. Declined Authorization Authorization Visa Code: 11. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. For example, Mastercard has a code which indicates a ‘consumer dispute. 4 Other Fraud Card Absent. 103. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. Common Card-Not-Present Visa dispute reason codes. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. 10. Paymentology will submit the chargeback using the appropriate chargeback reason code. Reason Code 53: Not as Described or Defective Merchandise. If a customer makes a chargeback request on the basis that he or she has not authorised the transaction, the customer's bank will charge the transaction back to the merchant’s bank. Solutions. For U. 08. Your actions in response to a Reason Code 57 chargeback will depend on the particular circumstances, the most typical of which are listed in the table below: You did process the appropriate credit to your customer’s card account. These reason codes. VCR Dispute Reason Code 10. Chargeback Request for Information Notification of Fraud ACH Direct Debit American Express Based on the region in which you have set up American Express, you will receive reason codes from one of these columns: Reason Code North-America: Canada and United States of America Reason Code: All other countries Fraud Authorization Processing Errors Reason Code C14 Category Cardmember Dispute Claim The cardholder claims you charged their card for a transaction they paid through other methods. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. As such, it’s best to work with a professional chargeback mitigation company. On that note, below are some vendor missteps that could result in Visa reason code 13. 5 Categories of Visa Chargeback Reason Codes. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. The cardholder claims they were charged multiple times for a single transaction. [noun]/* kə • stə • mər • di • spyo͞ot/. CHARGEBACK REASON CODESThis chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. Please note that the most common Chargeback reason code for Allocation disputes is 10. The cashier doesn’t realize that the payment went through and also accepted the debit card. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. Check the chargeback reason code. 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. Discover Chargeback Reason Codes Explained. Merchants are hit twice when it comes to paying for chargebacks. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. Paid by Other Means. This can provide important information to fight the dispute. Mastercard also considers some chargeback reason codes to be indisputable. 12. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. 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. 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. 4853 – Cardholder Dispute – Goods or Services Not Provided. A01 = Charge amount exceeds authorisation amount. Visa also overhauled its system of chargeback reason codes. Other Fraud—Card Present Environment. Fraudulent Activity. 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. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. 2 falls under the “Processing Errors” category. 2=1020 etc. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. without a reason code will be assigned a default code of 1. 6. They either issue a chargeback to the merchant’s bank, or they find that the charge is authentic and side with the merchant. ’Last updated: October 15, 2019 . Receive the Chargeback. For all other transactions, the maximum amount of. 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. 3. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity 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. The merchandise was as described or was not defective. The standard chargeback process involves eight steps: Retrieval request: The card-issuing bank requests that the acquiring bank provide additional information for a given transaction. ; Help Center Find answers to common questions about Midigator’s technology,. Duplicate Processing - 81Depending on the chargeback, the required evidence might consist of transaction receipts, particular authorization response codes, proof of delivery, correspondence with the customer, or any number of other specific documents. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. ”. UA01 Fraud – Card Present Transaction. Chargeback. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Time and Labor. Cardholder Disputes. resolved via the chargeback management process and within timeframes. There are over 80 unique return codes, and each one represents a different type of return. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Other Fraud—Card Present Environment. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. This code applies when valid authorization for a transaction was. A reason code is how banks categorize the reason for a chargeback. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. 7. Terms and conditions. Chargeback Representment. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. 0 to 5. 3 DUE DATEUA01 Fraud – Card Present Transaction. The assigned chargeback reason code outlines why a customer submitted the dispute. One of three things will happen: The issuer rules in your favor: Your representment case validates the original transaction. Mastercard: Reason Code 4859 Service not rendered. UA05 Fraud – Chip Counterfeit Transaction. The date the merchandise was returned. About American Express chargeback reason codes. Not recognizing your billing descriptor on a statement. The merchant processed a random account number and didn't obtain the owner's authorization. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. 4532-Damaged and/or. Chargeback reason code 10. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. Mastercard: n/a This chargeback is caused by Authorization. 0. The most comprehensive guide to chargeback reason codes. 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. Issue a refund because they don’t accept returns, but they failed to communicate this policy to the customer clearly. Chargebacks. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. Deferred Chargeback Raise: 128: Chargeback on Fraudulent Transaction: Fraud. 6: Credit not. 4. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. 4853 – Cardholder Dispute – Credit Not Processed. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. Invalid Reasons for a DisputeUpdated August 23, 2023. Stage #1: Awareness - be aware of the chargeback response time limitWe are writing to dispute the $1980 chargeback with the chargeback reason code 30 Services Not Provided or Merchandise Not Received. The most comprehensive guide to chargeback reason codes. 3: Goods or services were not as described: C31: RM: 13. Chargeback Reason Codes and Descriptions. As soon as a customer requests a chargeback, their bank will reach out to the business’s bank and give them a heads-up that the chargeback has been requested. If the chargeback stems from the use of non-EMV readers, for example, the merchant should implement compliant terminals. If you cannot read the chip or swipe the card, always create a manual card imprint. Additionally, Amex uses a fifth "Miscellaneous" category. 0 hour of labor. C05 = Goods/Services cancelled. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. 4853 – Cardholder Dispute – Credit Posted as a Purchase. This reason code is used when the cardholder claims that their card was used fraudulently without their permission. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. 76 - Incorrect Currency or Transaction Code or * Domestic. 3. Updated the following columns - card type, response due date. • Updated support documentation for Paid Through Other Means (ISO 4515 / C14). The way you manage chargebacks depends on your account setup. American Express Chargebacks / Disputes. In addition to losing the amount that was. Code. For best results, your chargeback win rate should be as close to 100% as possible. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. Mastercard Reason codes fall under four categories. Issuer Review; Allocation. Once filed, the merchant generally has 20. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. When you do the math, you are looking at a $5,000 penalty per month, along with a chargeback fee of $15-$30 per chargeback, and all the other associated costs. Here’s how. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback. [1] Sift. F01. Mastercard Chargeback Reason Code 73: Duplicate Transaction. The transaction amount is re-charged to the cardholder’s account, and the funds go back into your bank account. MasterCard does not have a reason code that exactly matches Visa’s 86. The victim is given a check to reimburse them for the cost of the purchase. Merchants. The issuing bank reviews the information. High-Risk (Excessive): Reaching a chargeback ratio of. Chapter 4: American Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Reason Codes; Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses;. 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. About American Express chargeback reason codes. Cardholders can dispute digital goods transactions of $25 or less (or the equivalent in local currency) if certain purchase controls were not put.