This guide is updated regularly to reflect the latest rules and standards of Mastercard. includes a Retrieval Request Reason Code providing additional information concerning the cause of the request and in some cases, the required documentation (see Table 2-1 and Table 2-2). They utilize bank identification numbers in the range between 34**** and 37. UA06 Fraud – Chip and PIN Transaction. 4863: Cardholder does not recognize. Unfortunately, true fraud is not the only cause of. Elimination of “cardholder does not recognize” reason code; April 2019. 75: Cardholder does not recognize transactions. What is Mastercard chargeback reason code 4812? Mastercard chargeback reason code 4812 falls under the “Authorization” category. 2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. In this guide, we explain the steps on how you can get your money back using a credit card chargeback and a general guide on how to. Appendix Maestro Chargeback Reason Codes 22 12. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. Reason code 12. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. 20% + 10¢ Visa Corporate: 2. Combine card acceptance rules compliance with the latest technology to shift fraud liability is the number one method to prevent chargebacks. That doesn’t count sales involving debit and prepaid cards, which add nearly $2 billion more to the total. 1 Purpose of This Guide 1. most cases will have 120 days period to raise a chargeback. There are two parts to this. If there’s a mismatch, this suggests that the buyer might be engaged in. July 26, 2023 10 min read As an e-commerce store owner, it's important to understand the concept of chargebacks and the role they play in your business. MasterCard Chargeback Reason Codes. . But that doesn’t make them any less frustrating. In 2020, MasterCard revised their chargeback rules and eliminated the “second chargeback” step. This means providing evidence that will undermine the cardholder’s claim. Category. UA05 Fraud – Chip Counterfeit Transaction. 4808: This code can refer to: Account Number Not on File. All but two fall under Mastercard chargeback reason code 4853 (Cardholder Disputes): Reason Code 4808 Authorization-Related Chargeback 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. The issuer reviews the case, assigns a reason code, and initiates the chargeback. Only chargebacks with the following reason codes are eligible for Chargeback Protection: Reason Code: Definition: 10. 07/19/10 Added two new MasterCard Reason Codes: Reason Code 70 Chip Liability Shift; Reason Code 71 Chip/PIN Liability Shift. . In some cases it can be upwards of 540 days, though,. Chargeback Reason Codes by Scheme 18 10. . This factsheet provides information about COVID-19 and chargebacks, including: What you should do before requesting a chargeback. CVV2. Updated August 23, 2023. The details on the allowed compelling evidence are included with the reason code description and details. 1 EMV Liability Shift Counterfeit Fraud 81(3) 10. Expedited Dispute Resolution forms will not be allowed. 2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. Dispute Best Practices Guide. 1. mastercard dispute form. chargeback reason codes REASON ODE ENCYCLOPEDIA sift. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. ), confirming that the cardholder has enough funds or available credit to cover a transaction they're making with their card. The most relevant Mastercard chargeback codes for the majority of merchants can be broken down into four main categories—authorization, cardholder. Code 81. The shorthand description is “Missing Signature. chargeback management with an easy to use online system. Payment Capture. This list was generated 5/4/2022. Create this form in 5 minutes! Use professional pre-built templates to fill in and sign documents. The bank will investigate the claim and, if necessary, reverse the charge and. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. 4849 – Questionable Merchant Activity – Mastercard Rule 3. When you receive information from your bank about a chargeback, it will include a reason code. However, rules from Mastercard® and Visa® allow some chargebacks to be raised up to 540 days from the date of purchase. This applies to all Mastercard reason codes, except 4808, 4870, and 4871; these disputes will go to Arbitration directly if escalated. What is Mastercard chargeback reason code 4860? Mastercard chargeback reason code 4860 falls under the “Cardholder Disputes” category. Network Processing ® ©Their chargeback process differs because it is typically more straightforward. Updated: Valid values updated. 1 Chargeback Handling Guidelines 20 10. Not so long ago, store clerks used to make phone calls to get credit card purchase authorization. “American Express Chargeback Reason Codes | Sift”. Stop fraud, break down data silos, and lower friction with Sift. It indicates that the merchant has not properly deposited the transaction amount within the card network’s acceptable time frame and a chargeback will be issued as a result. 30% + 10¢ Visa Rewards Signature Preferred: 2. Fewer Chargebacks: Alipay's unique settlement mechanism bypasses conventional chargeback processes. 4849 – Questionable Merchant Activity – Mastercard Rule 3. 4853 – Cardholder Dispute – Credit Not Processed. About Visa chargeback reason codes. Create this form in 5 minutes! Use professional pre-built templates to fill in and sign documents online faster. [1] Sift. Lucia to 135 XCD • Increasing the CVM Limits in Sint Maarten (Dutch Part) to 90 ANG Chapter 2: Average chargeback rates; Chapter 3: Chargeback Reason Codes Guide; Chapter 4: American Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Reason Codes; Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10. It depends on the chargeback reason code associated with the dispute. The chargeback filing period for cardholders is usually 120 days. Bank of America issues both Mastercard- and Visa-branded cards, so the exact requirements may vary depending on the Mastercard reason code or Visa reason code . The shorthand description is “Account Number Not On File. Mastercard chargeback reason code 4840 falls under the “Fraud” category. 4866: Fraud Chip Card Counterfeit Transaction: A cardholder is claiming that they did not authorise or participate in a transaction that you processed. The reason code may not reflect the true reason for the chargeback. EMV has been a mostly global standard since 2004. ”. Chargebacks are a problem that is growing worse across the board, and gas station. 4807 Warning Bulletin File. Chapter 2 3. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration and Mastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. This reason code comes into play when a card-present transaction that requires a signature is processed and the cardholder later claims that they did not authorize the transaction and do not have a signed copy. MasterCard: Reason Code 4859 Services not rendered. 0 Restructure and update document to include Visa Claims Resolution process. Mastercard Reason Code 4853 – Goods or Services Not Provided; Discover Reason Code AA – Does Not Recognize; In contrast, some reason codes are highly specific and apply only to a certain type of product. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. for chargeback reason code 4863 (Cardholder Does Not Recognize). for chargeback reason code 4863 (Cardholder Does Not Recognize). It is a valuable resource for anyone involved in the payments industry. No Cardholder Authorisation - the cardholder denies participating in or authorising the card-present/card. paper processing and mailing costs. Chargeback Reason Codes. 11, 16. The code can be used in multiple specific situations, many of which had their own individual codes at one time. After the issuing bank’s unsuccessful attempt to identify the transaction for the cardholder, the chargeback process begins. Mastercard issuing banks will no longer be able to bundle more than one transaction into a single dispute case. An example of a chargeback is when a credit card holder contacts their bank to dispute a charge that was made on their account without their permission. Card networks send these codes to merchants to indicate why a chargeback has been filed. 2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. Visa, Mastercard and Maestro each have their own set of reason codes for chargeback cases. 2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. pdf from ACC 103 at Stevens-Henager College. Payment capture comes after authorization; at this point, the payment is effectively "settled," and the transaction is over. Expedited Dispute Resolution forms will not be allowed. Please refer to chapter 5 for. Fees vary by network, but for arbitration on a Mastercard chargeback, for example, whichever party loses the case will have to pay $500 in fees. This reason code may also be used for. 4, MasterCard 4837, AMEX F29, Discover UA02, and so on). Chargeback reason codes have changed. 4849: Questionable Merchant Activity. INTRODUCTION 1. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. ”. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Mastercard is one of the world’s most widely accepted forms of payment, with over 190 million merchants accepting the card globally. Reason Codes: 23 / 37 / 61 / 83 Account numbers do not match After swiping a card, if the card number displayed does not match the number embossed on the face of Do you want to know how to handle chargebacks as a merchant? Download the Mastercard Chargeback Guide - Merchant Edition, a comprehensive resource that explains the chargeback process, the reasons, the time frames, and the best practices to prevent and dispute chargebacks. Most of that increase is attributed to dispute fraud. The most comprehensive guide to chargeback reason codes. 6. Specifically, these updates only pertain to transactions that are charged back after Oct. for chargeback reason code 4863 (Cardholder Does Not Recognize). Only use EMV-compliant terminals. The card scheme receives the chargeback and forwards it to the acquirer. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and believes that the transaction was fraudulent. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. American Express and Discover don’t have as many brand-supported chargeback prevention tools as Mastercard and Visa. 4866: Fraud Chip Card Counterfeit Transaction: A cardholder is claiming that they did not authorise or participate in a transaction that you processed. (Visa. The merchant breached predetermined chargeback thresholds. 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. 6. 15, 2021. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. Subscribe to newsletters. Reason codes are important to help merchants address recurring. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. 00: The amount of the transaction. 2 Transaction Message Types 3 DISPUTES 3. The issuing bank assigns each case a code according to the consumer’s claim, and the merchant must adhere to the time limits for that specific code. Below are some examples of more common reason codes. For example, a merchant would respond to a chargeback with a "transaction not authorized" reason code with proof that the cardholder authorized the transaction. For example, if their card was stolen or the magnetic stripe is copied and used without their knowledge. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. However, the 30 day waiting period can be waived if you’ve. Card networks send these codes to. • For Visa Allocation reason codes (RC 10. In these instances, cardholders have 90 days to file a dispute. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. 4, MasterCard 4837, AMEX F29, Discover UA02, and so on). card networks like Visa have created a breakdown of the acceptable causes for a customer to dispute a credit card transaction by filing a chargeback. Visa groups its various reason codes into several broad dispute categories. Credit not processed. The role your bank or credit union plays in the chargeback process. This reason code means that the cardholder is claiming that they did not authorize or participate in a card-not-present transaction, and therefore it must be fraudulent. Documentation must be a direct result of cardholder communication. 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. If a criminal manages to defeat the technology and complete an online purchase, Mastercard will shift liability away from the merchant and onto the issuer. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration. 2 Compliance Cases 4 CHARGEBACK CATEGORIES 4. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. In short: yes. Duplicate Processing: 34: Card Not Valid or Expired: 35: No Cardholder Authorisation: 37: Fraudulent Processing of Transactions: 40: Cancelled Recurring Transaction: 41: Late Presentment: 42:2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. 1 for Visa transactions, or reason code 4834 for Mastercard. In such circumstances, Mastercard may allow consumers to reverse a transaction by filing a chargeback. While the updates have been published, they do not go into effect until Oct. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. 4812 Account Number Not On File. MASTERCARD 98 Good Faith Collection Other NO YES MASTERCARD 99 Pre-Compliance Other NO YES Chargeback Reason Codes Page 2 of 5. Otherwise, the bank may reject the transaction. Reason codes are created by the major. Reason. Card Absent - Fraud Dispute: 10. UA01 Fraud – Card Present Transaction. 3 Training Options 2 LIFECYCLE OF A TRANSACTION 2. Even as some states begin loosening quarantine orders, the situation will continue disrupting “business as usual” for months to come in most industries. These schemes govern the chargeback process and each one has their own rules for when a customer can get a chargeback. The shorthand description is “Not as Described or Defective Merchandise. 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. 11. MasterCard uses four-digit numbers for their chargeback reason codes, each beginning with 48 as the first two digits. 5 billion in 2023. 4808: Authorization not obtained Here, the charge did not go through because of authorization issues. 2 Not a Chargeback Guide Replacement 1. ago. “It’s a lot tougher with. How AFCA investigates chargeback complaints. 3. A reason code or a chargeback reason code is a string of symbols (numbers and letters). Watch on. In fact, 91. A few select Mastercard chargeback reason codes have different Masteracrd chargeback time limits. 1 Revised some Mastercard Chargeback Reason Codes/descriptions. In simple terms, Mastercard Chargeback Reason Code 4859 — No Show/Addendum/ATM Dispute refers to situations where a customer claims the services purchased from a merchant were not fulfilled. See the SNAD filing reason codes section for valid values. This code collects all the. Batch chargeback process. The better news: Merchants have the option to challenge said chargebacks and, when successful, reclaim money lost. By taking the action advised by Mastercard’s logic, merchants and acquirers will be more likely to receive an authorization approval. 3), the acquirer has 18 days to respond to the dispute • For Visa Collaboration reason codes (RC 12. Check out how easy it is to complete and eSign documents online using fillable templates and a powerful editor. ” This reason code has been retired by Mastercard, but it was used when the cardholder did not receive the goods or services they purchased. This indicates that the merchant has failed to respond to a transaction inquiry before the deadline elapsed. Banks may also include customer claims on Checks, ACHs, etc under "Disputes". There is a USD 25 limit for the First Chargeback (Reason Code 22). It’s not unreasonable, though; after all, if you’re the common denominator. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. R03 Insufficient Reply. In all regions except for France Domestic, this. As a merchant, you face the brunt of chargeback losses. . 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. United States; 18167 US Highway 19 N; Clearwater, FL 33764; 877. 46%: 1. UA05 Fraud – Chip Counterfeit Transaction. It is associated with a chargeback reason code and it is specific per Card Scheme. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Chapter 7: Chargeback responses. American Express chargeback reason code F14 falls under the “Fraud” category. 5 Visa Fraud Monitoring Program. These include: Visa Reason Code 13. 4863: Cardholder not recognized. 1 applies when the issuing bank receives the same transaction more than one time. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Declined Authorization Authorization Visa Code: 11. The second is friendly fraud, where a cardholder falsely claims a legitimate charge was unauthorized. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. The chargeback notification for the acquirer/merchant will contain the reason code and further information about the disputed transaction. The second main. 2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. Although there have not been major updates to Mastercard’s chargeback rules in 2022, there were a few notable changes in 2021. Chapters 1, 2 and 5 Chargeback reason codes identify the general reason behind a chargeback. It takes more effort to convert 25 cards to cash, each valued at $20, than one gift card valued at $500. The Mastercard chargeback flow: Optional: Request for Information (Deprecated) Information SuppliedVisa Reason Code 10. Expedited Dispute Resolution forms will not be allowed. 1, which covers duplicate processing errors, and 12. This code means the cardholder claims that the goods or services they received don't match the description provided by the merchant. The code is used to help verify buyers during a card-not-present transaction. 4859 Addendum, No-show, or ATM Dispute. 4 chargebacks. This guide is updated regularly to reflect the latest rules and. The list of chargeback reason codes in this article is organized by card brand and type of dispute. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. This industry faces a higher average chargeback ratio due to factors like cancellations, changes in travel plans, and service dissatisfaction. TC40 data is used to inform banks and card networks when a merchant has an outstanding fraud. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. 3: Incorrect Currency. Required Authorization Not Obtained. The bank or credit card provider will issue a reason code based on any of these four categories based on the cardholder’s claim when they challenge a transaction and initiate a dispute. 4812 Account Number Not On File. Each chargeback is assigned a reason code that explains the justification for the chargeback. Address Verification Service, or AVS, is one of the most widely used payment card fraud prevention tools among merchants in the US. This chargeback will include a description that provides additional information: Digital Goods $25 or Less; Cardholders can dispute digital goods transactions of $25 or less (or the equivalent in local currency) if certain purchase controls were not put. . Today, there are several other reasons why chargebacks occur. Reason code 4855 chargebacks must be processed within 120 calendar days from the settlement date. Documentation must be a direct result of cardholder communication. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. Some Disputes are completed without a chargeback. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Depending on the bank, chargeback fees can range anywhere from $20 to $100. May 2011: 5. The Mastercard Dispute Resolution Initiative is designed to improve the process of handling credit card disputes, reduce the time it takes to resolve them, and prevent many illegitimate disputes from being filed. 2 Declined Authorization. See full list on chargebackgurus. Credit card fraudsters have some new tricks up their sleeves. Discover: Reason Code 4755 Non-receipt of goods or services. Description of Change Where to Look • Increasing the CVM Limits in St. While the format of chargeback reason codes. Description of Change Where to Look Incorporated the changes anno2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. 4853 – Cardholder Dispute – Credit Posted as a Purchase. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Late Presentment Rules: Mastercard. Each chargeback comes with a code that designates the reason it was filed. If the merchant attempts to force a transaction through after the presentment window, the bank may respond with a “late presentment” chargeback. 96%: 0. Imposing card dollar value limits. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. The act serves as the legal basis for the chargeback process. [noun]/* rēzən kōd / A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the. 3 Other Fraud – Card Present Environment 83(1) 10. Mastercard ® Visa ® Credit Networks Debit Networks *These networks do not have specific reason codes assigned to dispute; however, any retrieval that is received without a reason code will be assigned a default code of 1. Chargebacks can happen for a variety of reasons (causes are explained with a reason code). 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. For example, Goods or Services Not Provided was once legacy reason. The code can be used in multiple specific situations, many of which had their own individual codes at one time. The Importance of Discover Chargeback Prevention. 2. 3. Credit card authorization is a notification given by a credit or debit card issuer (i. Chargeback time frames - A specific period of time during which a chargeback can be raised. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. 11. Mastercard: n/a This chargeback is caused by Authorization. Some of the most common. Protected Chargeback Reason Codes: Visa USA: Credit & Debit Cards – Authentication & Attempts. for chargeback reason code 4863 (Cardholder Does Not Recognize. Find and apply for the Ink business. Field name: reasonCode. ACH disputes pertain to various parties involved in an ACH transaction, which is an electronic funds transfer facilitated. Chargebacks. 2 Not a Chargeback Guide Replacement 1. Chargeback Reason Codes; Mastercard Reason Codes; Chargeback Rebuttal Letters; CONTACT. Chargeback. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andMastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. The merchant did not receive any returned merchandise. 11, 16. Without this, the test dispute won't be created. Acquirer Use of Message Reason Code 7623. This is common when authorization is invalid or incorrect (wrong account information, pin, etc. Case Filing. How the chargeback process works. New Mastercard Chargeback Rules. The shorthand description is “Chip/PIN Liability Shift. Merchant must provide proof of authorization. 5, 53, C31, C32, RM. 4866: Fraud Chip Card Counterfeit Transaction: A cardholder is claiming that they did not authorise or participate in a transaction that you processed. Description. M10 Vehicle Rental – Capital Damages. Reason Code Reason Description; 4752: Does not Recognize: The cardholder claims that they do not recognize the transaction and states that they did not authorise the charge to their credit card. 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. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and. 10. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. . 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. The good news is that most of these invalid claims are disputable by the merchant. for chargeback reason code 4863 (Cardholder Does Not Recognize). The chargeback process can last from one month to six months. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet, phone, or mail orders. Clearing. Expedited Dispute Resolution forms will not be allowed. The tickets were held at the box office, and no signature, swipe or imprint. Visa Chargeback Reason Codes. This second chargeback is what was commonly referred to as a “pre-arbitration chargeback. 2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. F02. 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. This second chargeback is what was commonly referred to as a “pre-arbitration chargeback. 3 No Authorization. Administrative returns (R02, R03, R04): 3%. The shorthand description is “Questionable Merchant Activity. Chargebacks result from a customer questioning or disputing a transaction with their issuing bank. Documentation must be a direct result of cardholder communication. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. To test a dispute, generate a payment request with specific information from the test scenarios. Detecting Credit Card Fraud: 15 Steps to Follow for Safer, More Secure Transactions. for chargeback reason code 4863 (Cardholder Does Not Recognize. 4, 37, F29, U02:. Card Network Reason Code Detail; VCR Dispute Reason Code 10. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. A credit card chargeback is a bank-initiated payment reversal for a credit card purchase. Retail chargebacks occur when consumers dispute credit card transactions that were used to pay for retail goods. 11. Code. Overview. 100007: 400* INVALID_REQUEST: Message reason code invalid for this chargeback - AFD EDIT. Back in 2018, Visa and Mastercard began the process of completely overhauling their chargeback and dispute rules and procedures -- but there's still work to be done.