A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. For defective or “Not as Described” reason codes. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. Reason Codes Category 4: Processing Errors. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Merchants can fight back against invalid chargeback debit card claims through representment. Across open networks and include account numbers sent over email, instant messaging, text, or chat. Specify the default reason code to. FAQ: What remains Chargeback Representment? TIPS. There are several types of chargeback reason codes that can be used, including the following: 1. It's essential to respond within the. As a merchant, you face the brunt of chargeback losses. Using our e-commerce fraud prevention tools, we help lower friendly fraud costs and chargeback rates, but also reduce gift card and coupon abuse, and promote secure login authentication. Each bank card network has its owner list of reason codes banks must prefer from. Added these Discover Chargeback Codes: 05, PM. This code collects all the. In the case of Reason Code 80, the emphasis falls on best practices for processing key-entered transactions and we have written in detail on that subject before. 4 United Pay Retrieval Reason Code. The most comprehensive guide to chargeback reason codes. 6. Proof that the cardholder rejected your attempt to correct the quality. Spot these types of chargebacks using. A Visa chargeback reason code is a number that identifies the reason why a cardholder disputed a transaction that led to a chargeback. news & updates. 3. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. Valid Values/Format: 22 - First Chargeback Handling Fee. Spot these types of chargebacks using the below reason codes. MasterCard - 4855 Goods conversely Services Not Provided If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. 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. Reason code 12. Discover - RG Non-Receipt of Goods, Services, or Cash. The use of this reason code indicates that the cardholder does not recognize the transaction as it appears on their bank statement. There are dozens of reasons why cardholders and issuers dispute transactions. Step 2: Customer initiates the chargeback. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other. It is subject to change and may not include every currently known dispute reason code. Encrypt transmission of cardholder data. According to our research, friendly fraud will represent six out of every ten chargebacks filed in North America by 2023. Code. To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. 00 EUR as a Withdrawal fee. Invent - UA02 Fraud – Card Not Present Transaction. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. Fraudulent Activity. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. The sales receipt and/or date and amount of the authorization if other than the transaction date. Based in Los Angeles and founded in. The business has the chance to refute the chargeback. 26% - the number of chargebacks that result from undelivered orders. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. All chargebacks start with a customer making a purchase in person, in an app, or online. Chargeback Reason Codes by Industry. Date Option. A well-structured rebuttal letter should address the chargeback reason code, clearly explaining why the cardholder's dispute is not legitimate and why the funds should be returned to you. There are dozens of reasons why cardholders and issuers dispute transactions. 0 is to make the chargeback process more efficient, transparent, and fair. Values are: Blank: Use the receipt G/L date. Visa has recently announced changes to its chargeback rules. 1. Discover is a credit card network and an issuing bank—just like American Express. 4. 1 = EMV-Liability Shift counterfeit. The American Express chargeback process begins with Amex issuing a chargeback, along with a reason code to explain the dispute to the merchant. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Fraud UA01 Fraud – Card Present Transaction UA02 Fraud – Card Not Present Transaction UA05 Fraud – Chip Counterfeit Transaction UA06 Fraud – Chip and PIN Transaction UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature) Authorization NA No Authorization DA Declined Authorization Accessed October 17, 2022. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. What are Amex Reason Codes? Every card network features its own list of chargeback reason codes. 4. Please see the below “cheat sheet” for the new 4 byte reason codes. The merchandise was as described or was not defective. It's essential to respond within the. Your actions in response to such a chargeback will be determined by the particular circumstances, the most typical of which are described in the table below: If: Then: The transaction was cancelled and credit issued. e. The reason code. Everyone has had the experience of buying. 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. To represent a chargeback, you need to resubmit the transaction and include a rebuttal of the cardholder’s claims and documented evidence that proves your case. [noun]/* kə • stə • mər • di • spyo͞ot/. Chargeback Reason Coded by Network - 2023 Guide. Your contact details won't be shared, an email and SMS will be sent to you for ongoing communications. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. 4846. 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 is valid. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. Reason codes are important to help merchants address recurring. 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. The claim often, but not always, involves automated teller machines (ATMs). Fraud UA01 Fraud – Card Present Transaction UA02 Fraud – Card Not Present Transaction UA05 Fraud – Chip Counterfeit Transaction UA06 Fraud – Chip and PIN. A reason code is an alphanumeric code that explains the reason behind the dispute. 2 – EMV Liability Shift Non-Counterfeit Fraud. The terminal action codes are in Table 122 of the 4. e. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. Visa - 10. 1: EMV Liability Shift Counterfeit Fraud: 10. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. Batch chargeback process. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. 1 applies when the issuing bank receives the same transaction more than one time. Maestro. 3 MasterCard Retrieval Reason Codes. Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet. Chargeback Reason Codes Visa. & Fighting Chargebacks? demo experience. The major card networks have unique reason code systems, and banks use separate tools. Chargeback reason codes are codes used to categorize the reason for the dispute. This chargeback<br />. 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. Examples of compelling evidence that you may submit in response to a chargeback with this reason code include: Proof that the cardholder approved the quality of goods or services. These codes are established by the payment brands to categorize the incoming dispute requests by reason. These codes are broken down into five different category. You can learn more about each one by visiting the Mastercard Chargeback Guide. Chargeback reason codes. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. This reason code is used when the cardholder claims that their card was used fraudulently without their permission. ” Diese code indicates that the cardholder claims the merchant did none drop the goods or services handful paid for. Knowing these codes can help you dispute chargebacks more effectively. up under any number of different chargeback . A chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. 9808 info@chargebacks911. Betty's issuing bank assigned chargeback reason code 10. Understanding Chargeback Reason Code for Each Chargeback Request. At Visa they used to receive reason code 98. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Cardholder-Activated Terminal (CAT) 3 Device. the Airline cancelled the original ticket; That credit for duplicate charges was completed or multiple<br />. There is a USD 25 limit for the First Chargeback (Reason Code 22). Sign. This category of fraudulent chargeback is represented with the following reason codes: AMEX - C08 Goods/Services Not Received or Only Partially Received. Breakdown your chargeback data by some of the variables you collected in step #2: marketing source, product type, issuer BIN, customer’s country, reason. Reason codes vary by card brand. Here’s a look at the reason codes for the same scenario from the major credit card companies: Visa: Reason Code 30 Services not provided or merchandise not received. Technical. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. Chargeback Reason Code. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Reason Code 53 Re-presentment Conditions. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. Survey 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. The aforementioned chargeback occurred on January 19, 20. Every chargeback has a reason code associated with it. Visa Chargeback Reason Codes. Cause. “Our broad international experience with the banking industry, our familiarity with each and every credit card network’s unique chargeback guidelines, our proprietary databases, and our deployment of. 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. Every chargeback is filed with a reason code that identifies the given reason for the dispute. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. These are only a handful of common Visa chargeback reason codes. Multiple Authorization Requests. 634. Other Ineligible Transactions Under Reason Code 62, Condition 2 . For Visa: Reason Code 30; For MasterCard: Reason Code 4855; For Discover: Reason Code; For American Express: Reason Code 155. 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. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. When the chargeback procedure is used legitimately, chargeback reason codes correspond most of the time to the underlying reality, based on the evidence provided by the cardholder and the. Card authorization refers to the actual notification received by a merchant. Be transparent about your products. 10. Generally, chargebacks can be traced to three main causes:Merchants who believe they have received an invalid chargeback under reason code 13. domestic transactions, the dispute timeline can be based on one of two start dates. Spot these types of chargebacks using. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. With that said, you still need to understand the reason codes with any chargebacks from Amex. Examples of compelling evidence that you may submit in response to a chargeback with this reason code include: Proof that the cardholder approved the quality of goods or services. . Chargeback reason code 11. The third digit indicates the specific reason within that category. Forensic Cryptocurrency Investigation Services. Discover chargeback reason code 7030. This may include: Transaction receipts; Merchant credentials; Customer authorizationChargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—QuestionableThe Takeaway. 2. Mastercard Chargeback Reason Code 73: Duplicate Transaction. The chargeback reason codes below explain why this happened. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Example: 22. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. This list was generated 5/4/2022. Step 2: Customer initiates the chargeback. MasterCard Reason Code 4837 comes close to it but is regarded as fraud-related, which puts it in a different category. EMV Liability Shift Non-Counterfeit Fraud. The most popular type of disputes of the chargeback category. 1, which covers duplicate processing errors, and 12. Unauthorized returns (R05, R07, R10, R29, R51): 0. Card networks allow cardholders to file disputes for various reasons identified by chargeback reason codes that don't paint the full picture. Samples of successful chargeback objection letters and guidelines for merchants upon methods to write see highly rebuttal letters and win more disputes. Transaction unauthorized make up 30% is all. Code. 5 Visa Fraud Monitoring Program. The newer system is designed to. This reason code applies when a merchant somehow manages to process a transaction against an invalid, unassigned, or otherwise incorrect card number. com. Each card. Technical. Discover Chargeback Reason Codes Explained. Use clear and consistent billing descriptors. reason_description: string. After the withdrawal, the bank will create a chargeback reason code, meaning why they made the chargeback, and electronically transfer all the. The situation grows more tenuous when you realize most of those chargebacks were likely the result of friendly fraud. Fight; Prevent; Recover;. If you believe you have received an ACH return in error, you can contact your bank. 10. Chargeback Reason Codes; BIN Look-up; eGuides; Webinars; Knowledgebase;. Fraud. Additionally, one clearing transaction. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not Received Non-Receipt of Goods or Services NO YES VISA 41 Canceled Recurring Transaction Cancelled/Returned by CardholderList of Chargeback Reason Codes. Different systems are used to reverse purchases based on these codes. Mastercard Chargeback Reason Code 71: Disputed Amount. The cardholder received the merchandise or service but claims they didn’t receive it. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. Chargeback of this Reason occurs (Non-Receipt of Goods or Services). 6. 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. Code 4807: Fraudulent Card-Present Transaction. 18167 US Highway 19 N Clearwater, FL 33764 877. MasterCard and Visa each have their own chargeback codes. A reason code is how banks categorize the reason for a chargeback. Chargebacks. Chargeback /Dispute; Merchant Response. Major card networks including Visa,. Clerical Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. You should be. Chargeback response template for Real Wares Not Received chargeback. This extra step can be frustrating for Card Members and lead to lost sales. For example, Mastercard has a code which indicates a ‘consumer dispute. ’A transaction event code, or T-code, is a five-character alphanumeric string, such as T0001. A “No Authorization” code chargeback can also be the. WEX began issuing chip cards in Q4, 2020. American Express chargeback reason code C31 falls under the “Card Member Disputes” category. Chargeback fees; Overhead costs including customer acquisition costs, shipping, and fulfillment costs; Causes of chargebacks. Chargebacks from all three categories can show . Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Visa chargeback reason code 75 is filed as an honest mistake. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. , as a result of a legitimate purchase of the Driving Manual from our online store drivingmanual. While it would be difficult to place a transaction. In the case of Reason Code 80, the emphasis falls on best practices for processing key-entered transactions and we have written in detail on that subject before. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. paper processing and mailing costs. The merchant did not receive any returned merchandise. 0 to 5. Contact ChargebackHelp and we can have you sleeping better at night by improving your dispute protection in very short order. ”. 100187 and ANSI X9. This alphanumeric code corresponds with the specific reason behind the chargeback, such as card-not-present fraud, incorrect currency, misrepresentation, or any other chargeback. Code 81. Key-in your chargeback reason code and get a detailed explanation concerning what it means, how to fight the chargeback, and how go prevent disputes in the future. The new reason codes follow a format of two digits, a period, then a third digit. 6. 5 Diners Collection Reason Codes. Reason Codes for raising adjustments: Please use appropriate reason codes while raising disputes either through front end option or bulk upload option. 102. 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 4853 – Cardholder Dispute – Credit Not Processed. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Visa Reason Codes 13. We are writing to dispute the $1980 chargeback with the chargeback reason code 30 Services Not Provided or Merchandise Not Received. See the list of reason codes below: Card Network. If you're contesting a chargeback, you'll need solid evidence. The list of chargeback reason codes in this article. Chargebacks Tips & Statistics. Reason code 83 represents a chargeback categorized as. The card not present chargeback come in as codes 10. High Level Visa Chargeback Dispute Flow. When used at the point of sale, the transaction is. Chargebacks typically occur when a customer is dissatisfied with a purchase and requests a refund from their card issuer. 26% - the number of chargebacks that result from undelivered orders. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. In theory, the reason code explains why the bank reversed the transaction. All ACH return reason codes consist of the letter “R” followed by two. Paymentology will submit the chargeback using the appropriate chargeback reason code. Versions Affected: v5,. In that way, winning one dispute may help prevent the next chargeback to come after it. This Chargeback Reason Code has to do with all. Pinterest. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. For example, some reason codes offer cardholders over a year to file. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. 100-187-2013 Standard for image exchange. 1 Quick Reference Lead. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. The reason code may not necessarily reflect the actual reason for the chargeback, but you ought to respond to it based on the provided chargeback code. Collect Compelling Evidence. 10. FR2 Fraud Full Recourse Program. Discover uses unique codes to explain those reasons to merchants. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. Step #2 | Report the Scam to PayPal. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. In the distribution industry,. Other Fraud—Card Present Environment. Write a chargeback rebuttal letter (with sample template) 8 Ways to Prevent Chargebacks. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. ECM monitors first presentment chargebacks regardless of reason code or transaction type. What Are Chargeback Reason Codes? Chargeback reason codes identify the general reason behind a chargeback. MasterCard - 4855 Goods or Services Not Provided. 08. The chargeback is ordered by the bank that issued the consumer's payment card. Find - RG Non-Receipt of Goods, Company, or Coin h. 5158. 0 initiative to update compelling evidence requirements for dispute reason code 10. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. a bank, credit union, etc. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. 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. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. 2, which specifically deals with transactions billed by other means. A chargeback also cannot be filed more than 540 days beyond the point at which the interaction began. With that said, you still need to understand the reason codes with any chargebacks from Amex. many chargeback reason codes that exist today. As we touched on earlier, chargebacks can happen due to technical errors. It can range from 60 to 120 days from the billing date. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. This 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. However, the issuer must wait at least 15 days after the transaction processing date to initiate the chargeback. 99. #4 step: The issuer assigns a chargeback reason code. When it comes to the merchant they deal with the worst and many types of chargebacks. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. ”. 0 rule changes take effect April 15,. That's because the cited reason code may only sometimes reflect the genuine motivation behind it. Last updated: October 15, 2019 . R13 No Reply. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. As we touched on earlier, chargebacks can happen due to technical errors. M10 Vehicle Rental – Capital Damages. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 800. Check Card A bankcard that can be used with a PIN at an ATM or without a PIN at the point of sale, also known as an offline debit card. What is Chargeback Reason Code 30? For Visa: Reason Code 30; For MasterCard: Reason Code 4855; For Discover: Reason Code RG; For American Express: Reason Code 155; Overview: The Cardholder or authorized person did not receive the merchandise or services at the location agreed with the merchant by the agreed date. Category. However, the 30 day waiting period can be waived if you’ve. Administrative returns (R02, R03, R04): 3%. Please refer to chapter 5 for more information. MasterCard - 4855 Goods or Services Not Provided. This network is used to provide chargeback alerts that notify participating merchants before a chargeback occurs, giving them 72 hours to resolve the issue. However, the typically cause of this chargeback would have been non-receipt of goods either services is the. This code tells you why the customer or bank initiated the dispute. Protect stored cardholder data. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831 Transaction Amount Differs 4834 Duplicate. Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. 4 Other Fraud Card Absent. Added these Discover Chargeback Codes: 05, PM. For details on how to receive notifications of chargebacks, accept or dispute them, and submit evidence to. Consider Deadlines. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. In order to identify the reason a customer disputed a charge, it can be helpful to examine the reason code on the chargeback. 1: Use the corresponding dates from the invoice. Reason Code Reason Code North-America Reason. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. 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. 2. Reference these when rebutting cardholder disputes at your small business. The same is true of all chargeback reason codes. 4 Funding Process. The shorthand description is “Non-Receipt the Goods, Services, or Cash. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. Chargeback Reason Codes: Alphanumeric codes issued by banks to categorize the reasons for chargebacks.