Visa Chargeback Reason Codes Guide

 

Chargeback reason codes apply to disputes, between a cardholder (customer) and a merchant, when the dispute has escalated to a chargeback. When a chargeback request is filed a chargeback reason code is assigned to the claim.

 

Visa Chargeback Reason Codes with Explanations

Visa Chargeback Reason Codes are divided into six general groups, with 22 subcategories (codes):

 

1. Non-receipt of information

 
  • Code 75 (Cardholder Does Not Recognize): In this code, the cardholder doesn’t recognize a transaction that is on their billing statement.
  • Code 60 (Request Copy Illegible or Invalid): Bank required a credit slip and the slip was not valid or illegal.
  • Code 79 (Requested Transaction Information Not Received): When a merchant has to send transaction information and it was not fulfilled in time. This code is valid when the retrieval request is sent based on fraud analysis.

 

 

2. Fraud

 
  • Code 57 (Fraudulent Multiple Transactions): If a cardholder acknowledges a single transaction but denies other. Cardholder also accepts that the card was in his/her possession when the transaction happened.
  • Code 62 (Counterfeit Transaction): When cardholder claims that the card was in his/her possession at the time of the transaction, but the authorization of payment was not done by him/her.
  • Code 81 (Fraudulent Transaction–Card Present): A slip provided to the bank is missing information. This particular situation indicates that there is a fraudulent transaction.
  • Code 83 (Fraudulent Transaction–Card Absent): Transaction was made without the permission of cardholder or is an unauthorized transaction.

 

3. Authorization error

 
  • Code 71 (Declined Authorization): Bank receives a request for a transaction for which authorization is not permitted. It is done by posting multiple attempts to forcefully authorize a transaction.
  • Code 72 (No Authorization): Authorization was not obtained for the transaction
  • Code 73 (Expired Card): An authorized transaction that was completed with an expired card.
  • Code 77(Account Number Doesn’t Match): In this case, the transaction was not authorized and the card number provided doesn’t match directory of issuing authority/bank.

 

4. Processing error

 
  • Code 74 (Late Presentment): Account number is closed or blocked and the bank has received a transaction request after 30 days.
  • Code 76 (Transaction Code Incorrect): Cardholder complains that a debt was received instead of credit.
  • Code 80 (Account or Amount Incorrect): Account number is different from what was posted on the sales slip.
  • Code 82 (Duplicate Processing): More than one same transaction was received by the bank on cardholder’s account.
  • Code 86 (Paid via Other Medium): Card issuing authority receives a request stating that cardholder has paid via other means, i.e. direct payment or check.
  • Code 96 (Limited Accounts with Excessive Transaction): An account receives a transaction request that exceeds account’s limit.

 

 

5. Returned chargeback reasons

 

  • Code 41 (Cancel Transaction Recurring): Merchant made the transaction when cardholder notified the merchant to cancel it. Merchant was supposed to inform cardholder but has not done so.
  • Code 53 (Defective Merchandiser): Cardholder claims that he/she has received a product that is not the same as displayed at the time of the transaction.
  • Code 85 (Credit not Received): Cardholder claims that product was returned and the credit has not be received from the merchant.