Chargeback Reason Codes

Account Number Not on File

A fraudster using a fake payment card or account number; a glitch in processing software caused a mi…

Cardholder Debited More than Once for the Same Goods or Services

The merchant submitted a single batch of transactions multiple times; the merchant deposited both co…

No Cardholder Authorization

The transaction was made by someone who had fraudulently obtained the account information; the cardh…

Questionable Merchant Activity

The acquirer processed a transaction for a merchant that later was listed in a MasterCard Global Sec…

Installment Billing Dispute

The merchant charged the cardholder prematurely; the merchant charged the cardholder the incorrect a…

Goods or Services Not Provided

The merchant failed to provide goods or services; the merchant has gone out of business or can no lo…

Cardholder Dispute Not Classified Elsewhere (US)

The merchant did not resolve the issue, or did not resolve the issue in a timely manner; the cardhol…

Chip Liability Shift

The use of an EMV chip card resulted in a fraudulent transaction at a non-hybrid terminal; the use o…

Chip Liability Shift — Lost/Stolen/Never Received Issue (NRI) Fraud

The use of an EMV chip card resulted in a fraudulent transaction at a non-hybrid terminal; the use o…