Chargeback Reason Codes

EMV Liability Shift Counterfeit Fraud

The transaction in question was a card-present transaction made using an EMV chip card. But, either …

EMV Liability Shift Non-Counterfeit Fraud

The transaction in question was a card-present transaction made using an EMV chip card. But, either …

Other Fraud — Card-Present Environment

Merchant did not ensure that the card was either swiped or that the chip was read; merchant did not …

Other Fraud — Card-absent Environment

The person on the other end of the transaction was unauthorized, and was using the cardholder’s info…

Visa Fraud Monitoring Program

Your business has been entered into the Visa Fraud Monitoring Program, and under the restrictions im…

Card Recovery Bulletin

You processed a transaction without first checking the Card Recovery Bulletin.

Declined Authorization

This may happen if you get a Decline or Pickup response to an authorization request. But, you send t…

No Authorization/Late Presentment

This is usually received for one of three reasons: you never obtained authorization for a transactio…

Incorrect Transaction Code

You processed a debit instead of a credit, processed a credit instead of processing a reversal, or i…

Incorrect Currency

The transaction currency differs from the currency transmitted through Visa; the cardholder was not …

Incorrect Account Number

The transaction was processed to an incorrect account number; the adjustment was processed more than…

Incorrect Amount

An error was made while entering the transaction amount manually, or the amount of the transaction w…

Duplicate Processing

The merchant tries to submit multiple batches at one time; the transaction has multiple receipts; th…

Paid by Other Means

The cardholder gave you their card, or you already had their card information on file. You charged t…

Invalid Data

The merchant submits an authorization request containing an incorrect transaction date, MCC, merchan…

Cardholder claims goods or services were not received or not received by the agreed upon date.

You delayed delivery; you charged the cardholder prior to shipping or delivery; you shipped the good…

Canceled Recurring Transaction

The cardholder withdraws permission to charge the account or cancels payment for subscription; cardh…

Not as Described or Defective Merchandise/Services

The merchandise was damaged in transit; the merchandise does not match your description; the cardhol…

Counterfeit Merchandise

You're (knowingly or unknowingly) selling counterfeit merchandise. Note that this reason code supers…

Misrepresentation

Your product descriptions are vague, inaccurate, or insufficient. These claims are most common for t…

Credit Not Processed

You didn’t credit the account; you issued a credit, but not in time to be posted to the customer’s m…

Cancelled Merchandise/Services

You have not yet issued a due credit; you issued the credit but it hasn't posted to the customer's a…

Original Credit Transaction Not Accepted

Either the cardholder does not accept the credit, or the issuer does not allow Original Credit Trans…

Non-Receipt of Cash at an ATM

Faulty ATM - Cash-in transactions - Cash-out transaction - Transactions the cardholder claims are fr…