https://chargebackcode.com/ Every chargeback reason code, explained for merchants en Mon, 05 Oct 2026 00:28:20 +0000 https://chargebackcode.com/old-visa-codes/90-non-receipt-of-cash-or-load https://chargebackcode.com/old-visa-codes/90-non-receipt-of-cash-or-load Mon, 05 Oct 2026 00:28:20 +0000 A cardholder used the machine but got no cash. Code 90 let them take back only the missing part. Here is how it worked. https://chargebackcode.com/old-visa-codes/72-no-authorization https://chargebackcode.com/old-visa-codes/72-no-authorization Mon, 05 Oct 2026 00:28:20 +0000 Reason code 72 was the old Visa code for a sale run without approval. Here is when it applied and where it fits now. https://chargebackcode.com/amex/fr6-partial-immediate-chargeback-program https://chargebackcode.com/amex/fr6-partial-immediate-chargeback-program Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/amex/fr4-immediate-chargeback-program https://chargebackcode.com/amex/fr4-immediate-chargeback-program Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/amex/fr2-fraud-full-recourse-program https://chargebackcode.com/amex/fr2-fraud-full-recourse-program Mon, 05 Oct 2026 00:25:20 +0000 FR2 is a fraud claim from a special Amex program. Here is what it covers and what you can do about it. https://chargebackcode.com/amex/p23-currency-discrepancy https://chargebackcode.com/amex/p23-currency-discrepancy Mon, 05 Oct 2026 00:25:20 +0000 P23 means the customer was billed in a currency they did not agree to. Here is why it happens and how to answer it. https://chargebackcode.com/amex/p22-non-matching-card-number https://chargebackcode.com/amex/p22-non-matching-card-number Mon, 05 Oct 2026 00:25:20 +0000 P22 means the card number you charged does not match the one that was approved. Here is why it happens and what to send. https://chargebackcode.com/amex/p08-duplicate-charge https://chargebackcode.com/amex/p08-duplicate-charge Mon, 05 Oct 2026 00:25:20 +0000 P08 means the same charge hit the card twice. Here is why it happens and how to answer it with the right proof. https://chargebackcode.com/amex/p07-late-submission https://chargebackcode.com/amex/p07-late-submission Mon, 05 Oct 2026 00:25:20 +0000 P07 means you sent the charge in too late. Learn what proof shows the charge was on time, and how to answer the notice. https://chargebackcode.com/amex/p05-incorrect-charge-amount https://chargebackcode.com/amex/p05-incorrect-charge-amount Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/amex/p04-charge-processed-as-credit https://chargebackcode.com/amex/p04-charge-processed-as-credit Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/amex/p03-credit-processed-as-charge https://chargebackcode.com/amex/p03-credit-processed-as-charge Mon, 05 Oct 2026 00:25:20 +0000 P03 means the Card Member says a refund went through as a charge. Here is why it happens and how to answer it. https://chargebackcode.com/amex/p01-unassigned-card-number https://chargebackcode.com/amex/p01-unassigned-card-number Mon, 05 Oct 2026 00:25:20 +0000 P01 means the card number you charged was not valid. Here is why it happens and what to send to fix it. https://chargebackcode.com/amex/m01-chargeback-authorization https://chargebackcode.com/amex/m01-chargeback-authorization Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/amex/r13-no-reply https://chargebackcode.com/amex/r13-no-reply Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/amex/r03-insufficient-reply https://chargebackcode.com/amex/r03-insufficient-reply Mon, 05 Oct 2026 00:25:20 +0000 R03 means your last reply was not complete. Here is what Amex asked for, what to send, and how to fix it. https://chargebackcode.com/amex/f31-emv-lost-stolen-non-received https://chargebackcode.com/amex/f31-emv-lost-stolen-non-received Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/amex/f30-emv-counterfeit https://chargebackcode.com/amex/f30-emv-counterfeit Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/amex/f29-card-not-present https://chargebackcode.com/amex/f29-card-not-present Mon, 05 Oct 2026 00:25:20 +0000 F29 is the code for a card-absent fraud claim. Here is what it says, why it happens, and what proof answers it. https://chargebackcode.com/amex/f24-no-card-member-authorization https://chargebackcode.com/amex/f24-no-card-member-authorization Mon, 05 Oct 2026 00:25:20 +0000 F24 means the Card Member says the charge was not made by them. Learn why Amex issues it and how to answer it. https://chargebackcode.com/amex/f14-multiple-roc-s https://chargebackcode.com/amex/f14-multiple-roc-s Mon, 05 Oct 2026 00:25:20 +0000 F14 means the customer admits one purchase but denies the charges after it. Here is what the code means and how to answer it. https://chargebackcode.com/amex/f10-missing-imprint https://chargebackcode.com/amex/f10-missing-imprint Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/amex/m10-vehicle-rental-capital-damages https://chargebackcode.com/amex/m10-vehicle-rental-capital-damages Mon, 05 Oct 2026 00:25:20 +0000 A renter says you billed them wrongly for damage, theft or lost use. Here is what M10 means and the proof that wins it. https://chargebackcode.com/amex/c32-goods-services-damaged-or-defective https://chargebackcode.com/amex/c32-goods-services-damaged-or-defective Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/amex/c31-goods-services-not-as-described https://chargebackcode.com/amex/c31-goods-services-not-as-described Mon, 05 Oct 2026 00:25:20 +0000 The Card Member says what arrived did not match your written description. Here is what the code means and how to answer it. https://chargebackcode.com/amex/c28-canceled-recurring-billing https://chargebackcode.com/amex/c28-canceled-recurring-billing Mon, 05 Oct 2026 00:25:20 +0000 A C28 dispute means the cardholder says they stopped a recurring charge. Here is what the code means and how to answer it. https://chargebackcode.com/amex/c18-no-show-or-cardeposit-canceled https://chargebackcode.com/amex/c18-no-show-or-cardeposit-canceled Mon, 05 Oct 2026 00:25:20 +0000 C18 means the Card Member says they canceled a lodging booking or never got credit for a CARDeposit. Here is how to answer it. https://chargebackcode.com/amex/c14-paid-by-other-means https://chargebackcode.com/amex/c14-paid-by-other-means Mon, 05 Oct 2026 00:25:20 +0000 The cardholder says they paid for the charge some other way. Here is what that claim means and how to answer it. https://chargebackcode.com/amex/c08-goods-services-not-received-or-only https://chargebackcode.com/amex/c08-goods-services-not-received-or-only Mon, 05 Oct 2026 00:25:20 +0000 C08 means the cardholder says the goods or services never showed up, or only part did. Here is what proof answers that claim. https://chargebackcode.com/amex/c05-goods-services-canceled https://chargebackcode.com/amex/c05-goods-services-canceled Mon, 05 Oct 2026 00:25:20 +0000 A Card Member says they canceled the order. Here is what the code means and what proof answers it. https://chargebackcode.com/amex/c04-goods-services-returned-or-refused https://chargebackcode.com/amex/c04-goods-services-returned-or-refused Mon, 05 Oct 2026 00:25:20 +0000 C04 means the customer returned or refused what you sold, and says you never gave their money back. Here is how to answer it. https://chargebackcode.com/amex/c02-credit-not-processed https://chargebackcode.com/amex/c02-credit-not-processed Mon, 05 Oct 2026 00:25:20 +0000 C02 means a credit you owed the cardholder never arrived. Here is why it happens and how to answer it. https://chargebackcode.com/amex/a08-authorization-approval-expired https://chargebackcode.com/amex/a08-authorization-approval-expired Mon, 05 Oct 2026 00:25:20 +0000 A08 means the charge went in after its approval ran out. Learn why it happens, how to stop it, and what proof to send. https://chargebackcode.com/amex/a02-no-valid-authorization https://chargebackcode.com/amex/a02-no-valid-authorization Mon, 05 Oct 2026 00:25:20 +0000 A02 means the charge went through without a valid approval. Here is why it happens and what to send back. https://chargebackcode.com/amex/a01-charge-amount-exceeds-authorization-amount https://chargebackcode.com/amex/a01-charge-amount-exceeds-authorization-amount Mon, 05 Oct 2026 00:25:20 +0000 The cardholder approved one amount and you charged more. Here is why that happens, how to stop it, and how to answer it. https://chargebackcode.com/mastercard/4999-domestic-chargeback-dispute-used-in-the https://chargebackcode.com/mastercard/4999-domestic-chargeback-dispute-used-in-the Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/mastercard/4871-chip-liability-shift-lost-stolen-never https://chargebackcode.com/mastercard/4871-chip-liability-shift-lost-stolen-never Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/mastercard/4870-chip-liability-shift https://chargebackcode.com/mastercard/4870-chip-liability-shift Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/mastercard/4854-cardholder-dispute-not-elsewhere-classified-for https://chargebackcode.com/mastercard/4854-cardholder-dispute-not-elsewhere-classified-for Mon, 05 Oct 2026 00:25:20 +0000 Reason code 4854 is a catch-all for U.S. cardholder disputes. Learn when issuers may use it and how acquirers can answer it. https://chargebackcode.com/mastercard/4853-the-cardholder-dispute-chargeback https://chargebackcode.com/mastercard/4853-the-cardholder-dispute-chargeback Mon, 05 Oct 2026 00:25:20 +0000 4853 is the code for cardholder disputes about goods or services. Here is what it covers and how to answer it. https://chargebackcode.com/mastercard/4850-installment-billing-dispute-for-participating-countries https://chargebackcode.com/mastercard/4850-installment-billing-dispute-for-participating-countries Mon, 05 Oct 2026 00:25:20 +0000 Mastercard reason code 4850 covers installment billing disputes in participating countries. Here is when it applies and how to answer it. https://chargebackcode.com/mastercard/4849-questionable-merchant-activity https://chargebackcode.com/mastercard/4849-questionable-merchant-activity Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/mastercard/4837-no-cardholder-authorization https://chargebackcode.com/mastercard/4837-no-cardholder-authorization Mon, 05 Oct 2026 00:25:20 +0000 A 4837 chargeback means the cardholder says they never approved the sale. Here is why it happens and how to answer it. https://chargebackcode.com/mastercard/4834-point-of-interaction-error https://chargebackcode.com/mastercard/4834-point-of-interaction-error Mon, 05 Oct 2026 00:25:20 +0000 4834 covers Point-of-Interaction Error claims. Most say you charged twice or billed the wrong amount. Here is how to answer each one. https://chargebackcode.com/mastercard/4808-the-authorization-related-chargeback https://chargebackcode.com/mastercard/4808-the-authorization-related-chargeback Mon, 05 Oct 2026 00:25:20 +0000 Mastercard reason code 4808 is the Authorization-related Chargeback. Here is why issuers file it and how to answer it. https://chargebackcode.com/old-visa-codes/93-merchant-fraud-performance-program https://chargebackcode.com/old-visa-codes/93-merchant-fraud-performance-program Mon, 05 Oct 2026 00:25:20 +0000 Code 93 was Visa's Merchant Fraud Performance Program chargeback. It flagged sales from merchants with high fraud rates. https://chargebackcode.com/old-visa-codes/85-credit-not-processed https://chargebackcode.com/old-visa-codes/85-credit-not-processed Mon, 05 Oct 2026 00:25:20 +0000 Code 85 meant a promised refund never went through. See when it applied, how to fight it, and how to stop it. https://chargebackcode.com/old-visa-codes/83-fraud-card-absent-environment https://chargebackcode.com/old-visa-codes/83-fraud-card-absent-environment Mon, 05 Oct 2026 00:25:20 +0000 Reason code 83 covered fraud claims on sales where the card was not present. Learn what it said and how to answer one. https://chargebackcode.com/old-visa-codes/82-duplicate-processing https://chargebackcode.com/old-visa-codes/82-duplicate-processing Mon, 05 Oct 2026 00:25:20 +0000 Code 82 meant one sale was charged twice on the same card. Here is why it happened and how merchants fought it. https://chargebackcode.com/old-visa-codes/81-fraud-card-present-environment https://chargebackcode.com/old-visa-codes/81-fraud-card-present-environment Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/old-visa-codes/80-incorrect-transaction-amount-or-account-number https://chargebackcode.com/old-visa-codes/80-incorrect-transaction-amount-or-account-number Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/old-visa-codes/77-non-matching-account-number https://chargebackcode.com/old-visa-codes/77-non-matching-account-number Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/old-visa-codes/76-incorrect-currency-or-transaction-code-or https://chargebackcode.com/old-visa-codes/76-incorrect-currency-or-transaction-code-or Mon, 05 Oct 2026 00:25:20 +0000 Reason code 76 covered wrong currency or transaction codes. Here is what it meant and why it no longer exists. https://chargebackcode.com/old-visa-codes/75-transaction-not-recognized https://chargebackcode.com/old-visa-codes/75-transaction-not-recognized Mon, 05 Oct 2026 00:25:20 +0000 Code 75 covered charges a cardholder did not recognize. Here is what it applied to and how a merchant could answer it. https://chargebackcode.com/old-visa-codes/74-late-presentment https://chargebackcode.com/old-visa-codes/74-late-presentment Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/old-visa-codes/73-expired-card https://chargebackcode.com/old-visa-codes/73-expired-card Mon, 05 Oct 2026 00:25:20 +0000 The old code 73 covered sales on expired cards with no authorization. Here is what it meant and how merchants answered it. https://chargebackcode.com/old-visa-codes/71-declined-authorization https://chargebackcode.com/old-visa-codes/71-declined-authorization Mon, 05 Oct 2026 00:25:20 +0000 Code 71 meant the card was declined and the sale went through anyway. Here is what it said and how merchants answered it. https://chargebackcode.com/old-visa-codes/70-card-recovery-bulletin-or-exception-file https://chargebackcode.com/old-visa-codes/70-card-recovery-bulletin-or-exception-file Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/old-visa-codes/62-counterfeit-transaction https://chargebackcode.com/old-visa-codes/62-counterfeit-transaction Mon, 05 Oct 2026 00:25:20 +0000 Reason code 62 covered in person sales made with a fake card. Here is what it meant and where its work went. https://chargebackcode.com/old-visa-codes/57-fraudulent-multiple-transactions https://chargebackcode.com/old-visa-codes/57-fraudulent-multiple-transactions Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/old-visa-codes/53-not-as-described-or-defective-merchandise https://chargebackcode.com/old-visa-codes/53-not-as-described-or-defective-merchandise Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/old-visa-codes/41-cancelled-recurring-transaction https://chargebackcode.com/old-visa-codes/41-cancelled-recurring-transaction Mon, 05 Oct 2026 00:25:20 +0000 Reason code 41 covered recurring charges made after a cardholder cancelled. Here is what it meant and how merchants answered it. https://chargebackcode.com/old-visa-codes/30-services-not-provided-or-merchandise-not https://chargebackcode.com/old-visa-codes/30-services-not-provided-or-merchandise-not Mon, 05 Oct 2026 00:25:20 +0000 Code 30 meant the cardholder said the goods never arrived. Here is when it applied and how a merchant fought it. https://chargebackcode.com/visa/13-9-non-receipt-of-cash-at-an https://chargebackcode.com/visa/13-9-non-receipt-of-cash-at-an Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/visa/13-8-original-credit-transaction-not-accepted https://chargebackcode.com/visa/13-8-original-credit-transaction-not-accepted Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/visa/13-7-cancelled-merchandise-services https://chargebackcode.com/visa/13-7-cancelled-merchandise-services Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/visa/13-6-credit-not-processed https://chargebackcode.com/visa/13-6-credit-not-processed Mon, 05 Oct 2026 00:25:20 +0000 A cardholder says you promised a refund and it never arrived. Here is what 13.6 means and how to answer it. https://chargebackcode.com/visa/13-5-misrepresentation https://chargebackcode.com/visa/13-5-misrepresentation Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/visa/13-4-counterfeit-merchandise https://chargebackcode.com/visa/13-4-counterfeit-merchandise Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/visa/13-3-not-as-described-or-defective-merchandise https://chargebackcode.com/visa/13-3-not-as-described-or-defective-merchandise Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/visa/13-2-cancelled-recurring-transaction https://chargebackcode.com/visa/13-2-cancelled-recurring-transaction Mon, 05 Oct 2026 00:25:20 +0000 A cardholder says they cancelled a recurring charge. Here is what the code covers and how to answer it. https://chargebackcode.com/visa/13-1-merchandise-services-not-received https://chargebackcode.com/visa/13-1-merchandise-services-not-received Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/visa/12-7-invalid-data https://chargebackcode.com/visa/12-7-invalid-data Mon, 05 Oct 2026 00:25:20 +0000 A 12.7 dispute says your authorization used bad data. Here is what that means and how to answer it. https://chargebackcode.com/visa/12-6-duplicate-processing-paid-by-other-means https://chargebackcode.com/visa/12-6-duplicate-processing-paid-by-other-means Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/visa/12-5-incorrect-amount https://chargebackcode.com/visa/12-5-incorrect-amount Mon, 05 Oct 2026 00:25:20 +0000 The cardholder says the amount you charged is wrong. Here is what counts as a 12.5 dispute and how to answer it. https://chargebackcode.com/visa/12-4-incorrect-account-number https://chargebackcode.com/visa/12-4-incorrect-account-number Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/visa/12-3-incorrect-currency https://chargebackcode.com/visa/12-3-incorrect-currency Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/visa/12-2-incorrect-transaction-code https://chargebackcode.com/visa/12-2-incorrect-transaction-code Mon, 05 Oct 2026 00:25:20 +0000 A 12.2 dispute says you ran the wrong kind of transaction. Here is what that means and how to answer it. https://chargebackcode.com/visa/11-3-no-authorization-late-presentment https://chargebackcode.com/visa/11-3-no-authorization-late-presentment Mon, 05 Oct 2026 00:25:20 +0000 Code 11.3 says a sale went through without authorization, or too late. Here is what it means and how to answer it. https://chargebackcode.com/visa/11-2-declined-authorization https://chargebackcode.com/visa/11-2-declined-authorization Mon, 05 Oct 2026 00:25:20 +0000 A sale went through after the card was declined. That is what 11.2 means, and here is what to do about it. https://chargebackcode.com/visa/10-5-visa-fraud-monitoring-program https://chargebackcode.com/visa/10-5-visa-fraud-monitoring-program Mon, 05 Oct 2026 00:25:20 +0000 Code 10.5 is the Visa Fraud Monitoring Program. It is the one code that lets an issuer dispute the same sale twice. https://chargebackcode.com/visa/10-4-other-fraud-card-absent-environment https://chargebackcode.com/visa/10-4-other-fraud-card-absent-environment Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/visa/10-3-other-fraud-card-present-environment https://chargebackcode.com/visa/10-3-other-fraud-card-present-environment Mon, 05 Oct 2026 00:25:20 +0000 Code 10.3 covers fraud claims on sales made with the card in hand. Here is when it applies and how to answer it. https://chargebackcode.com/visa/10-2-emv-liability-shift-non-counterfeit-fraud https://chargebackcode.com/visa/10-2-emv-liability-shift-non-counterfeit-fraud Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/visa/10-1-emv-liability-shift-counterfeit-fraud https://chargebackcode.com/visa/10-1-emv-liability-shift-counterfeit-fraud Mon, 05 Oct 2026 00:25:20 +0000 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. https://chargebackcode.com/what-happens-after-you-answer-a-chargeback https://chargebackcode.com/what-happens-after-you-answer-a-chargeback Sun, 04 Oct 2026 21:57:24 +0000 Your reply starts the next round. Here is what each network does with it, and when the case can still go on. https://chargebackcode.com/how-to-read-a-chargeback-notice https://chargebackcode.com/how-to-read-a-chargeback-notice Sun, 04 Oct 2026 21:57:24 +0000 Find the short code near the amount. It names the claim. Then pick your reply before time runs out.