5, B. reason code information. 4860 Credit Not Processed. About Visa chargeback reason codes. Definition. Include the chargeback reason code, the customer’s name, the transaction amount, and a short description of the item that was purchased. MASTERCARD Dispute Reason Codes. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. For. The standard provides an actionable framework for developing a robust account data security process. 7 Violation for Coercion Claim. 4859 Addendum, No-show, or ATM Dispute. The assigned chargeback reason code outlines why a customer submitted the dispute. removing certain restrictions from chargeback reason code 4849 that will. . 12. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. 4837 No Cardholder Authorization; 4849 Questionable Merchant Activity; 4870 Chip. 4837. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. 4863 – Cardholder Does Not Recognize/Potential Fraud. pdf from BUS MISC at Yeshiva University. © Dispute reason code triggered. Each transaction or deal has a unique receipt no. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. Dispute Reason: Fraud - 4837/4870/4871. Reason code: 4837 (No cardholder authorization. 1: Missing signature: F14: UA02: 4840: 10. The Whole Story on Partial Chargebacks. ACH disputes pertain to various parties involved in an ACH transaction, which is an electronic funds transfer facilitated. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directlyVisa chargeback codes. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directlyDispute Reason: Fraud - 4837/4870/4871: Functional Category: FNS counter: Effective Date:. The issuer submitted more than 15 chargebacks in aggregate involving the same account (as defined above) for message reason codes 4837, 4840, 4870, or 4871. Protected Chargeback Reason Codes: Visa USA: Credit & Debit Cards – Authentication & Attempts. compliance process depending on whether a chargeback right exists. We would like to show you a description here but the site won’t allow us. . 3. 3. Pages 422 This preview shows page 305 - 309 out of 422 pages. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. You’ll want to carefully review all chargeback reason codes so you are familiar with the very detailed regulations. Example: 25. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 4 Funding Process. ”. You are required to submit evidence to defend against the dispute. The time limit for issuers to instigate a first chargeback are calculated based off the Central Site Business Date (the processing date of the first presentment) and are usually 60, 90, or 120 days in duration. Category. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. While chargebacks happen for a variety of reasons , the most common reason is that a customer no longer wants the service or product sold to them. The use of this reason code indicates that the merchant did not obtain authorization approval for a transaction, or that the authorization request was sent after the transaction date. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. Code 4807 was used to cover various authorization-related. A new 4 byte reason code will be used moving forward. Global Security Bulletin No. These codes specify the reason why the transaction is charged back and each of them specifies the time frame for the processor’s response. Mastercard chargeback reason code 4834 applies for a specific type of customer payment dispute. A family member used the card without the primary cardholder's knowledge. Evidence that all transactions occurred during the same stay, trip or rental period. Updated: Valid values updated. That's why we've created this guide, which goes over what reason codes are and how they help fight chargebacks and includes up-to-date lists of the reason codes for all the major US card networks. 10. Chargeback reason codes identify the general reason behind a chargeback. 11, 16 November 2015, Elimination. 1 - Late Presentment: The transaction wasn’t sent to Visa within the time limit. 4807 – Warning Bulletin File. Dual Message System Chargebacks—Fraud-related Chargebacks (Reason Codes 4837, 4840,It means the issuer has placed a stop or hold on a transaction. You can learn more about each one by visiting the Mastercard Chargeback Guide. There are several reasons why an issuer might decline a transaction. MasterCard time limits vary depending on the applicable reason code. 4840. NB: MasterCard also codes this reason as 4860; however, they will eventually remove it. . VCR Dispute Reason Code 13. As a customer, depending upon your bank. 4837 – No Cardholder Authorization:. This may be done by either the merchant or the issuing bank. First Chargeback failed: Reason Code 4870 not allowed for Chip to Chip Transactions under CLS: 100001: 400: INVALID_REQUEST: First Chargeback failed:. Mastercard Chargeback Guide is a comprehensive document that explains the rules and procedures for resolving disputes between cardholders, merchants and issuers. Bank code Bank Name CB Accepted + Deemed Accepted Represented CB Raised Net CB % Total Volume; SBU: State Bank of India: 250 : 969 : 1,219 : 0. Missing signature. Leave a reply Cancel reply You must be logged in to post a comment. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directlyCombined the Authorization-related Chargebackssection into chargeback reason code 4808(Authorization-related Chargeback) as announcedin the Global Operations Bulletin No. Chargeback Reason Codes Visa. 2 – EMV Liability Shift Non-Counterfeit Fraud;. ”. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Even though these codes are not detailed enough, they are crucial when it comes to successfully preventing and fighting chargebacks. 10. The fraud might have done accidently, while the consumer set out with intention to get something free. Specifically, these updates only pertain to transactions that are charged back after Oct. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. Removed Revolution Card section and retired reason codes. • Remove conditions under chargeback reason 4837 (No Cardholder Authorization), which had allowed an acquirer to provide brand new. Chargeback reason code - A numeric, custom way to explain the reason of raising a chargeback specific per Card Scheme, e. Description. The chargeback reason code; Details that will allow your payment processor and the card issuer to identify the original transaction (ie. 4846: Incorrect Currency Code. Credit card chargebacks occur when a customer has a chargeback dispute and decides to question a charge on their credit card statement with their Credit Card Company or issuing bank. Reason code: Explanation: 4837 - No Cardholder Authorization: The cardholder claims the transaction you processed was authorised without their knowledge. With the overhaul of their reason code system, Visa divided reason. A chargeback is the reversal of a previously cleared transaction; the cardholder’s account is credited with the amount of the sale and the merchant’s account is debited. No cardholder authorisation. Dispute Best Practices Guide Overview This guide includes:A chargeback with reason code 4834 may refer to disputes involving Dynamic Currency Conversion (DCC) at the point of the interaction. Duplicate Processing - 81Some credit card companies also include a short phrase describing the code and chargeback. Reason code 4840 - Fraudulent Processing of Transaction Please provide the following: Provide proof that you are processing multiple transaction to the card with cardholder permission along with a letter explaining the charges, or proof that a credit was processed. Chargeback Reason Code Quick Reference Manual. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Level Up Your Chargeback Disputes with. Discover Chargeback Reason Codes Explained. . 3: Goods or services were not received: C08: RG: 4855: 13. 4837: No cardholder authorization. TabaPay 1099k Procedures; Transaction Integrity - Network Fees;. Regarding April HotFix 83179, in the following scenario, should Smart Disputes allow a Fraud chargeback to be resubmitted using reason codes 4837/4870/4871? - 15 Fraud CB's are submitted - Merchant does not provide a credit through Collaboration for two(2) transactions and credits for the remaining 13 transactions - the two(2) transactions not credited are available to resubmit - the two(2. 4531 . 4837. Stripe maps each network code into one of eight categories, based on the general claim and the evidence you need to submit to effectively challenge that type of claim. 1. 48. The cardholder may claim that the transaction was processed without proper authorization. Payment. To generate a chargeback, the issuer must submit the First Chargeback / 1442 message with the applicable message reason. FNS Counter Exceeds 15 Fraud-Related Chargebacks. Among some of the most common Visa chargeback reason codes are Fraudulent Processing of Transactions (Reason Code 4837), Invalid Data (Reason Code 4775), Credit Not Processed (Reason Code 4834), and Goods/Services Not Provided (Reason Code 4863). For late presentments: 5. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Thus, the easiest way to prevent chargeback reason code 75 from being. Listed Cheaters Read Only Section, Lists All known Cheaters and Cheaters Details. 4840: Fraudulent processing of transactions. Examples include code 4837 (No Cardholder Authorization) and code 4863 (Card Recovery. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. 4837: No Cardholder Authorize: 4849: Questionable Merchant Activity: 4870: EMV Chip Corporate Shift: 4871:. By the same token, merchants can adjust the. 5, 16 May 2016. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. Dual Message System Chargebacks—Fraud-related Chargebacks (Reason Codes 4837, 4840,Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. Chip liability shift. While the card network rules are clear that a chargeback cannot exceed the original transaction amount, there’s no rule that says that a chargeback can’t be filed for a lesser or partial amount. There is a USD 25 limit for the First Chargeback (Reason Code 22). This happens. MasterCard Reason Code 4837 comes close to it but is regarded as fraud-related, which puts it in a different category. To take advantage of these new advice codes, merchants and their acquirers must learn to recognize the new data values and their meanings and use them as the. 1 chargeback: 1. It can range from 60 to 120 days from the billing date. The following tables show the Stripe categories for each card network’s dispute reason codes. Chargebacks. For disputed fraud or “no authorization” chargebacks, provide evidence that the cardholder was aware of and. The issuer submitted more than 15 chargebacks in aggregate involving the same account. Each code corresponds to a specific issue or problem the customer has experienced with the purchase. Chargeback Reason Codes Page 2 of 5. By taking the action advised by Mastercard’s logic, merchants and acquirers will be more likely to receive an authorization approval. Mastercard chargeback reason code 4831 falls under the “Point-of-Interaction Error” category. Accepting recurring transactions is enough cause for acquiring banks and processors to label you as a “high-risk” merchant. Chargeback Reason Code 83 is issued for processing a payment, which the cardholder either did not authorize or did not participate in. Authorization. e. MasterCard time limits vary depending on the applicable reason code. Learn in detail about the dispute reason codes and documents required for representation. com. 4837 – No Cardholder Authorization; Visa. Specifically for gaming merchants – If you can provide. Visa reason code; Invalid card number: F10: UA01: 4837: 10. Once you know why a chargeback happened, you can start building a case to address the claims that were made. A new 4 byte reason code will be used moving forward. MasterCard assigns a message reason code to each chargeback initiated by one of its card issuers. \. Issuer Review; Allocation. For perspective, the next highest. Issuerscanusetheformforthefollowingmessagereasoncodes: • 4835—CardNotValidorExpired(fraud-relateddisputesonly) • 4837—NoCardholderAuthorizationinstead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. 4841: Canceled Recurring or Digital Goods Transaction. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. Mastercard Reason codes fall under four categories. Chargeback reason code 10. 10. An example of a Reason Code 72 chargeback would be a card-present transaction for the amount of $30 processed by a merchant whose floor limit is $25, for which the merchant did not request an authorization. So the company has more incentive to side with customer during cardholder. Later in the week, George checks his account to find out an unknown transaction to an online accessory merchant. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. The total volume in US dollars of Mastercard payments that result in fraudulent chargebacks (net fraud volume) calculated by dispute reason code (reason code 4837 and 4863). Follow any formatting instructions and deadlines, and ensure you directly respond to the. High Level Visa Chargeback Dispute Flow. 15, 2021. • Remove conditions under chargeback reason 4837 (No Cardholder Authorization), which had allowed an acquirer to provide brand new. October 25, 2023. While every card system has its own particular exceptional arrangement of chargeback reason codes, the categories are fundamentally very similar. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. 4863: Cardholder does not recognize. For example, 10. MasterCard’s Corporate Purchasing Department Account Program does. Code. ”. 2:. Reason Card Type Reason Code Description Merchant Action Code This chargeback occurs because of a dispute on an Airline sale involving allegedly fraudulent card transactions. 4837: Fraud: No Cardholder Authorization: 4840: Fraud: Fraudulent Processing of Transactions: 4841: Cancelled/Returned by Cardholder:. ”. 4859 Service not rendered. Chargeback Reason Codes for MasterCard. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. Chargeback Reason Code 4837: No Cardholder Authorization (43. Download our comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. 5 (1050) (Visa) Card-not-present fraud: 10. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Type. 1 - EMV Liability Shift Counterfeit Fraud:. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. These time limits are established to ensure prompt resolution of disputes and prevent unnecessary delays. 4837: No cardholder authorization This chargeback is a result of the cardholder claiming the card was used for an unauthorized transaction. The most comprehensive guide to chargeback reason codes. M49 Vehicle Rental – Theft or Loss of Use. ”. Mastercard Chargeback Reason Code 4837: No Cardholder Authorization Description A card-not-present transaction occurs when cardholder files a complaint that he/she. 11, 16. 3 - Incorrect Currency For chargeback reason code 4837 (No Cardholder Authorizations) second presentments, new information such as a merchant name, location, or dates will no longer be allowed as a potential remedy to this chargeback when a merchant’s information is a complete mismatch between the authorization and clearing. Mastercard_Chargeback_Reason_Code_4837. Otherwise, you'll end up wasting your precious time and money fighting the chargeback. STAR Chargeback Reason Codes; Visa Chargeback Reason Codes; Network Limits; Published BIN Files; 🧭 Best Practices. 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. 1 Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. This category of fraudulent chargeback claims is represented with the following reason codes: AMEX - F29 Card Not Present. 4807 – Warning Bulletin File. 3: Goods or services were not as described: C31: RM: 13. Chargeback Reason Codes That Ultimate Guide; BIN Lookup Detect adenine Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Useful Hubs. Global Security Bulletin No. 4854 Cardholder Dispute—Not Elsewhere Classified (U. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directlyWhat is Mastercard chargeback reason code 4807? Mastercard chargeback reason code 4807 falls under the “Authorization” category. This scenario applies when the arbitration was raised by either the. Section5. Fraud. American Express chargeback reason code C42. Cardholders reported they didn’t initiate a transaction. Again, if your win rate is above 30% but below. R13 No Reply. Fraudulent processing of transaction. Chargeback response template mastercard reason code 4837 cnp mastercard chargeback reason code 4837 8 mastercard chargeback rules that merchants should know mastercard message reason codes and chargeback categories chargeback guide 28 april 2018 updated 10 may pdf. Errors in currency conversion. 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. 13 Payday Loansfor Maestro Added additional use to chargeback message reason code 4841 in 6. 4837: Cardholder non-authorization. 5 Payday Loansfor MasterCard 9. 4834. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 5, 16 May 2016. Updated the Questionable Merchant Activity chargeback with claims of coercion. These chargebacks occur to resolve chargeback-related disputes between network members. MasterCard: Reason Code 4859 Services not rendered. 4856. The MasterCard SecureCode global liability shift prevents Issuers from initiating chargebacks based on reason code 4837 and 4863 when: enrolled. 56. For example, 100 e-commerce first presentment fraud chargebacks in the current month divided by 10,000 e-commerce transactions in the The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directlyinstead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. 4837: No. S. Reason Code: Numeric: Code for the chargeback request (see below). com on 5/26/2016. However, since that time, the cardholder’s account has been closed. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. 4837: No Cardholder Authorization: 4840: Fraudulent Processing of Transaction: 4841: Cancelled Recurring Transaction: 4842:. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. These are only a handful of common Visa chargeback reason codes. Top chargeback reason codes: Visa Allocation reason code. 1: 10: Fraud: EMV Liability Shift Non-counterfeit Fraud: 10. • A Digital Secure Remote Payment (DSRP) transaction identified in authorization with a value of 2 in DE 48, subelement 42 (Electronic Commerce Indicators), subfield 1 (Electronic Commerce Security Level Indicator and UCAF. 11, 16 November 2015, Elimination. Chargeback reason codes Jérôme Alimondo Cohen /token 30 March 2023 13:46; National Visa, national and international MasterCard. View the entire list of Mastercard reason codes below or search our database for specific insights. Each card company has its own set of codes that indicate the specific reason that a cardholder initiated a dispute. ”Login. 1 EMV Liability Shift Counterfeit Fraud: F14 Missing Signature: UA02 Fraud – Card Not Present Transaction: 4840 Fraudulent Processing of Transactions:4837 Fraud related chargeback (Reason codes 4840, 4849 and 4863 will eventually be eliminated) 4837: Fraud related chargebacks: Proof of card presence (pin, signature, valid imprint). 2 - Incorrect Transaction Code: The wrong transaction code was used. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Good preventive practices can reduce these. American Express is incentivized to keep their customers happy. Discover: Reason Code 4755 Non-receipt of goods or services. . When a merchant fights a chargeback, they send their evidence to their acquirer, who verifies whether the evidence meets requirements before sending it on to the issuer for a decision. Please see the below “cheat sheet” for the new 4 byte reason codes. For example, American Express has more than a dozen retrieval request reason codes while Discover only has four. While the updates have been published, they do not go into effect until Oct. Chargebacks were introduced as a form of consumer protection against. However, Visa is the largest card brand in both the United States and the world. Compelling evidence for cardholder participation, any personally identifiable. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. 11, 16 November 2015, Elimination. With these codes, EMV 3DS ensures that the chargeback liability is shifted away from the merchant and back to the. 10300 49th St N #427, Clearwater FL 33762, USA +1 855-465-4723 [email protected] chargeback reason code 4808 falls under the “Authorization” category. 7: Defective goods and services: C32: RM: 13. 4: Fraud—Card-Absent Environment. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. There is a USD 25 limit for the First Chargeback (Reason Code 22). 7. Dispute reason code triggered Dispute code category Card expiry date; Visa. 1: Missing signature: F14: UA02: 4840: 10. 2 Compliance Cases Only chargebacks with the following reason codes are eligible for Chargeback Protection: Reason Code. 01/2099. 4837. George leaves his wallet home and goes for a jog. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. Reason Code Reason Description; 4837: No Cardholder Authorization: The cardholder states that they, nor anyone authorised by them, engaged in the transaction. Field Description Europe Region Operations Bulletin No. MasterCard time limits vary depending on the applicable reason code. This is perhaps the most common claim associated with disputes and chargebacks. The chargeback initially results in the debit or credit card charge being reversed and the funds that you received for the payment being returned to the customer. The total volume in US dollars of Mastercard payments that result in fraudulent chargebacks (net fraud volume) calculated by dispute reason code (reason code 4837 and 4863) The fraud-count-to-transaction ratio (fraud chargeback rate) The ratio of 3DS Mastercard payments to all Mastercard payments Clearing. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. This code indicates a counterfeit card was used to make a purchase from a card-present merchant who didn't scan the card's EMV chip. - Merchant does not provide a credit through Collaboration for two (2) transactions and credits for the remaining 13 transactions. The reason code used to describe the dispute will determine the chargeback time limit. 2:. • Remove conditions under chargeback reason 4837 (No Cardholder Authorization), which had allowed an acquirer to provide brand new. The cardholder may claim that the transaction was processed without proper authorization. 4 (1040) (Visa) Card-not-present fraud. Chargebacks may happen for a variety of reasons: the most common are returns of goods, cancelled services, quality disputes or processing errors, and fraud. Customer Dispute. Improper Use Of Intra European Message Reason Code 4837 334 Proper Use For - FRAUD101. The shorthand description is “Transaction Amount Differs. 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. First Name (*). 4808. 6. Updated the Questionable Merchant Activity chargeback with claims of coercion. Availability Date: October 24th, 2021. Fraud. Response Time Frame. 2. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Retry after 10 days. S. Mastercard chargeback justification id 4837: No Cardholder Authorization claims cover deals none approved of by cardholders or theirs authorized. 8. Visa Chargeback Reason Codes. The sales receipt and/or date and amount of the authorization if other than the transaction date. Create files and assign cases based on a variety of attributes – from reason codes and card types – to the age of cases or transaction amounts. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directlyWhen the customer disputes a charge, the issuing bank then begins the chargeback process. Lab Report. Subsection5. She calls the merchant but he is unable to figure out the reason of the duplicate entries. Mastercard_Chargeback_Reason_Code_4837. R03 Insufficient Reply. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. But if your chargebacks Win Rate is above that percentage, then ensure that your Return on Investment (ROI) index is over 50%. A cardholder had control of their card and made a legitimate transaction and subsequent (disputed) transactions were made within 15 minutes. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. message. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. The chargeback can be for the total transaction amount or a lesser amount. UA02 Fraud – Card Not Present Transaction.