What does the code on your chargeback mean?

Find your card network, then your code. Each page says what the cardholder claims, what proof answers it, and what happens next.

Before you answer a code

• What Visa Reason Code 90 Meant for ATM Disputes A cardholder used the machine but got no cash. Code 90 let them take back only the missing part. Here is how it worked.
• Visa Reason Code 72: What No Authorization Meant Reason code 72 was the old Visa code for a sale run without approval. Here is when it applied and where it fits now.
• Amex Reason Code FR6: Partial Chargeback Program FR6 means a card member disputed your charge while you were in Amex's Partial Immediate Chargeback Program. Here is what that means and what to send.
• What Amex Reason Code FR4 Means for Merchants FR4 is the code for a charge from the Immediate Chargeback Program. Here is why it skips the normal steps and how to answer it.
• Amex Reason Code FR2: What It Means for Merchants FR2 is a fraud claim from a special Amex program. Here is what it covers and what you can do about it.
• Amex Reason Code P23: What It Means and What to Do P23 means the customer was billed in a currency they did not agree to. Here is why it happens and how to answer it.
• Amex Reason Code P22: Non-matching Card Number P22 means the card number you charged does not match the one that was approved. Here is why it happens and what to send.
• Amex Reason Code P08: Duplicate Charge Explained P08 means the same charge hit the card twice. Here is why it happens and how to answer it with the right proof.
• Amex Reason Code P07 Explained: Late Submission P07 means you sent the charge in too late. Learn what proof shows the charge was on time, and how to answer the notice.
• Amex Reason Code P05: Incorrect Charge Amount P05 means the Card Member says the amount charged was wrong. Here is why it happens and how to answer it with the right proof.
• Amex Reason Code P04: Charge Processed as Credit P04 means a charge went through as a credit by mistake. Here is what the Card Member claims and how to answer it with the right records.
• What Amex reason code P03 means for merchants P03 means the Card Member says a refund went through as a charge. Here is why it happens and how to answer it.
• Amex Reason Code P01: Meaning and How to Respond P01 means the card number you charged was not valid. Here is why it happens and what to send to fix it.
• Amex Reason Code M01: What It Means and What to Do M01 is not a new dispute. It is your own Inquiry reply coming back as a chargeback. Here is how to read it and answer it.
• Amex Reason Code R13: What It Means and What to Do R13 means you did not answer an Amex Inquiry on time. Here is why it happens and how to fight it if you did reply.
• How to Respond to an Amex R03 Chargeback R03 means your last reply was not complete. Here is what Amex asked for, what to send, and how to fix it.
• Amex Reason Code F31: Meaning and How to Respond F31 means a lost, stolen or never received chip card was used without a PIN. Here is what the code claims and how to answer it.
• Amex Reason Code F30 and How Merchants Respond F30 means a fake chip card was used but the sale ran as a swipe. Here is why it happens and how to fight it.
• What Amex reason code F29 means for merchants F29 is the code for a card-absent fraud claim. Here is what it says, why it happens, and what proof answers it.
• Amex Reason Code F24: No Card Member Authorization F24 means the Card Member says the charge was not made by them. Learn why Amex issues it and how to answer it.
• How to Handle Amex Reason Code F14 Chargebacks F14 means the customer admits one purchase but denies the charges after it. Here is what the code means and how to answer it.
• Amex reason code F10 explained for merchants F10 means the cardholder denies the charge and you have no card imprint on file. Here is why it happens and how to answer it.
• Amex Reason Code M10: Vehicle Rental Capital Damages A renter says you billed them wrongly for damage, theft or lost use. Here is what M10 means and the proof that wins it.
• Amex Reason Code C32: Damaged or Defective Goods A C32 notice means the cardholder says what arrived was broken or faulty. Here is what they must show and what proof wins the case.
• Amex Reason Code C31: What Merchants Should Do The Card Member says what arrived did not match your written description. Here is what the code means and how to answer it.
• Amex Reason Code C28: Canceled Recurring Billing A C28 dispute means the cardholder says they stopped a recurring charge. Here is what the code means and how to answer it.
• Amex Reason Code C18: No Show or CARDeposit Canceled C18 means the Card Member says they canceled a lodging booking or never got credit for a CARDeposit. Here is how to answer it.
• Amex Reason Code C14: Paid by Other Means, Explained The cardholder says they paid for the charge some other way. Here is what that claim means and how to answer it.
• Amex Reason Code C08 and How to Answer It C08 means the cardholder says the goods or services never showed up, or only part did. Here is what proof answers that claim.
• Amex Reason Code C05: Goods or Services Canceled A Card Member says they canceled the order. Here is what the code means and what proof answers it.
• Amex reason code C04 explained for merchants C04 means the customer returned or refused what you sold, and says you never gave their money back. Here is how to answer it.
• What Amex Reason Code C02 Means for Merchants C02 means a credit you owed the cardholder never arrived. Here is why it happens and how to answer it.
• Amex Reason Code A08: Meaning and How to Respond A08 means the charge went in after its approval ran out. Learn why it happens, how to stop it, and what proof to send.
• Amex reason code A02: No valid authorization A02 means the charge went through without a valid approval. Here is why it happens and what to send back.
• Amex Reason Code A01: Charge Exceeds Authorization The cardholder approved one amount and you charged more. Here is why that happens, how to stop it, and how to answer it.
• What Mastercard Reason Code 4999 Means Code 4999 covers domestic disputes in Europe that fit no other code. Here is how it works and how it moves through the dispute process.
• What Mastercard Reason Code 4871 Means for Merchants A 4871 says the cardholder denies the charge and the terminal could not take a PIN. Here is when issuers file it and how to answer.
• What Mastercard Reason Code 4870 Means for Merchants A 4870 chargeback says a fake chip card was used at a terminal that could not read chips. Here is when it applies and how to fight it.
• Mastercard Reason Code 4854: What It Means Reason code 4854 is a catch-all for U.S. cardholder disputes. Learn when issuers may use it and how acquirers can answer it.
• What Mastercard Reason Code 4853 Means for Merchants 4853 is the code for cardholder disputes about goods or services. Here is what it covers and how to answer it.
• Mastercard Reason Code 4850: Installment Disputes Mastercard reason code 4850 covers installment billing disputes in participating countries. Here is when it applies and how to answer it.
• What Mastercard Reason Code 4849 Means for Merchants Code 4849 means Mastercard thinks the merchant broke QMAP rules or forced a cardholder to pay. Here is what it covers and how to answer it.
• Mastercard Reason Code 4837 Explained A 4837 chargeback means the cardholder says they never approved the sale. Here is why it happens and how to answer it.
• What Mastercard Reason Code 4834 Means for Merchants 4834 covers Point-of-Interaction Error claims. Most say you charged twice or billed the wrong amount. Here is how to answer each one.
• What Mastercard Reason Code 4808 Means for You Mastercard reason code 4808 is the Authorization-related Chargeback. Here is why issuers file it and how to answer it.
• What Visa Reason Code 93 Was and Why It Mattered Code 93 was Visa's Merchant Fraud Performance Program chargeback. It flagged sales from merchants with high fraud rates.
• Visa Reason Code 85: Credit Not Processed Explained Code 85 meant a promised refund never went through. See when it applied, how to fight it, and how to stop it.
• What Visa Reason Code 83 Means for Merchants Reason code 83 covered fraud claims on sales where the card was not present. Learn what it said and how to answer one.
• Visa Reason Code 82: Duplicate Processing Explained Code 82 meant one sale was charged twice on the same card. Here is why it happened and how merchants fought it.
• Visa Reason Code 81: What Merchants Need to Know Reason code 81 covered fraud at an in person sale. Learn when it applied, how to fight it, and how it fits the current rules.
• What Was Visa Reason Code 80? Reason code 80 covered a wrong sale amount or a card number that did not match the receipt. Here is what it meant and what replaced it.
• Visa Reason Code 77: Non-Matching Account Number Reason code 77 hit sales that ran with no authorization and a card number no bank account matched. Here is what it meant and how merchants fought it.
• Visa Reason Code 76: What Merchants Need to Know Reason code 76 covered wrong currency or transaction codes. Here is what it meant and why it no longer exists.
• What Visa Reason Code 75 Meant for Merchants Code 75 covered charges a cardholder did not recognize. Here is what it applied to and how a merchant could answer it.
• Visa Reason Code 74: Late Presentment, Explained Code 74 was the old Visa code for a sale sent in late. See when it applied, the hotel and rental car timing rules, and how to fight it.
• What Was Visa Reason Code 73, Expired Card? The old code 73 covered sales on expired cards with no authorization. Here is what it meant and how merchants answered it.
• What Visa Reason Code 71 Means for Merchants Code 71 meant the card was declined and the sale went through anyway. Here is what it said and how merchants answered it.
• What Visa reason code 70 was and how to answer it Reason code 70 covered sales made with a card on the Card Recovery Bulletin. Here is what it meant and how a merchant could reply.
• Visa Reason Code 62: What It Was and When It Applied Reason code 62 covered in person sales made with a fake card. Here is what it meant and where its work went.
• Visa reason code 57, explained for merchants Under the older Visa rules, code 57 covered a cardholder who admitted one purchase but denied the rest. Here is when it applied and how to fight it.
• What Visa Reason Code 53 Means for Merchants Code 53 was the old Visa code for goods that did not match the sale. Here is when it applied and how to answer it.
• Visa reason code 41: what it meant for merchants Reason code 41 covered recurring charges made after a cardholder cancelled. Here is what it meant and how merchants answered it.
• What Visa Reason Code 30 Meant for Merchants Code 30 meant the cardholder said the goods never arrived. Here is when it applied and how a merchant fought it.
• Visa Reason Code 13.9: Cash Not Received at an ATM A cardholder says the ATM paid nothing or too little. Here is what the code means and how to answer it with your ATM records.
• What Visa reason code 13.8 means for merchants A 13.8 dispute says the person who got an Original Credit Transaction refused it. Here is what that means and how to answer it.
• Visa Reason Code 13.7: Cancelled Merchandise A 13.7 dispute means the buyer says they cancelled or returned, and you never gave the money back. Here is what to do about it.
• Visa Reason Code 13.6: Credit Not Processed A cardholder says you promised a refund and it never arrived. Here is what 13.6 means and how to answer it.
• Visa Reason Code 13.5: What Misrepresentation Means A 13.5 dispute says you misled the buyer about the deal itself. Here is what counts, what does not, and how to answer it.
• Visa Reason Code 13.4: Counterfeit Merchandise A 13.4 dispute means someone ruled the goods fake. Here is what the code covers and how to fight it with proof the items were real.
• How to Answer a Visa Reason Code 13.3 Dispute A 13.3 dispute means the buyer says the item was not as described or was defective. Here is how to fight back with proof that fits.
• What Visa Reason Code 13.2 Means for Merchants A cardholder says they cancelled a recurring charge. Here is what the code covers and how to answer it.
• Visa Reason Code 13.1: A Merchant's Guide A 13.1 dispute says the goods or services never arrived. Here is what the code means, what proof wins, and how to stop the next one.
• What Visa Reason Code 12.7 Invalid Data Means A 12.7 dispute says your authorization used bad data. Here is what that means and how to answer it.
• What Visa reason code 12.6 means Code 12.6 covers two claims: the same sale charged twice, or a bill the customer already paid another way. Here is how to tell them apart and answer each one.
• What Visa Reason Code 12.5 Means for Merchants The cardholder says the amount you charged is wrong. Here is what counts as a 12.5 dispute and how to answer it.
• Visa Reason Code 12.4: Incorrect Account Number A 12.4 dispute says you ran the sale on the wrong card number. Here is what that means, when it is fair, and how to answer it.
• Visa Reason Code 12.3: Incorrect Currency Explained Visa reason code 12.3 means the currency on the sale was wrong, or the cardholder never agreed to Dynamic Currency Conversion. Here is how to answer it and stop it.
• What Visa Reason Code 12.2 Means for Merchants A 12.2 dispute says you ran the wrong kind of transaction. Here is what that means and how to answer it.
• What Visa Reason Code 11.3 Means and How to Fight It Code 11.3 says a sale went through without authorization, or too late. Here is what it means and how to answer it.
• Visa Reason Code 11.2: Declined Authorization A sale went through after the card was declined. That is what 11.2 means, and here is what to do about it.
• What Visa reason code 10.5 means for merchants Code 10.5 is the Visa Fraud Monitoring Program. It is the one code that lets an issuer dispute the same sale twice.
• Visa reason code 10.4 explained for merchants Code 10.4 covers fraud claims on online, phone and mail orders. Learn what it means and how to fight it with the right proof.
• What Visa reason code 10.3 means for merchants Code 10.3 covers fraud claims on sales made with the card in hand. Here is when it applies and how to answer it.
• How Merchants Should Handle Visa Reason Code 10.2 Code 10.2 covers fraud claims on lost or stolen chip cards. Here is when it applies, when it is invalid, and what proof you can send.
• What Visa Reason Code 10.1 Means for Merchants Visa reason code 10.1 covers counterfeit card fraud. Learn when it applies, when it does not, and how to fight it with chip data or Compelling Evidence.
• What Happens After You Answer a Chargeback Your reply starts the next round. Here is what each network does with it, and when the case can still go on.
• How to Read a Chargeback Notice Find the short code near the amount. It names the claim. Then pick your reply before time runs out.