Visa and Mastercard chargeback reason codes

1. Visa 10.1

   Counterfeit card fraud caused by missing chip reads or data

   Fraud

2. Visa 10.2

   Lost, stolen, or NRI card fraud after chip-and-PIN failure

   Fraud

3. Visa 10.3

   Key-entered fraud in a card-present environment

   Fraud

4. Visa 10.4

   Fraud in a card-absent environment

   Fraud

5. Visa 10.5

   Fraud flagged by the Visa Fraud Monitoring Program

   Fraud

6. Visa 11.1

   Sale without authorization while the account was on the CRB

   Authorization

7. Visa 11.2

   Transaction completed after a Decline or Pickup Response

   Authorization

8. Visa 11.3

   Transaction lacked valid authorization or was presented late

   Authorization

9. Visa 12.1

   Late presentment — retired code, now part of 11.3

   Processing Errors

10. Visa 12.2

    The transaction used the wrong credit or debit code

    Processing Errors

11. Visa 12.3

    Incorrect currency or DCC without cardholder consent

    Processing Errors

12. Visa 12.4

    Transaction processed with the wrong payment credential

    Processing Errors

13. Visa 12.5

    Incorrect transaction amount

    Processing Errors

14. Visa 12.6

    Duplicate processing or payment by other means

    Processing Errors

15. Visa 12.7

    Invalid or incorrect data in the authorization

    Processing Errors

16. Visa 13.1

    Merchandise or services not received

    Consumer Disputes

17. Visa 13.2

    Recurring charge after cancellation or an account-closure notice

    Consumer Disputes

18. Visa 13.3

    Goods or services not as described, damaged, or defective

    Consumer Disputes

19. Visa 13.4

    Counterfeit merchandise identified by a qualified entity

    Consumer Disputes

20. Visa 13.5

    The merchant’s offer differs from the terms the cardholder accepted

    Consumer Disputes

21. Visa 13.6

    Merchant-issued credit never processed

    Consumer Disputes

22. Visa 13.7

    Canceled merchandise or service without the credit owed

    Consumer Disputes

23. Visa 13.8

    OCT not accepted: recipient refusal or legal prohibition

    Consumer Disputes

24. Visa 13.9

    ATM withdrawal not received in full or in part

    Consumer Disputes

25. Mastercard 4808

    Authorization missing, invalid, or outside its protection period

    Authorization

26. Mastercard 4812

    Account number not on file and required authorization not obtained

    Authorization

27. Mastercard 4831

    The charged amount differs from the agreed amount

    Point-of-Interaction Error

28. Mastercard 4834

    Point-of-interaction processing error

    Point-of-Interaction Error

29. Mastercard 4837

    Transaction not authorized by the cardholder

    Fraud

30. Mastercard 4841

    Canceled recurring charge or digital goods up to USD/EUR 25

    Cardholder Dispute

31. Mastercard 4846

    DCC without consent or an incorrectly processed currency

    Point-of-Interaction Error

32. Mastercard 4849

    Merchant listed in QMAP or coercion confirmed by Mastercard

    Fraud

33. Mastercard 4850

    Installment charge processed outside the cardholder’s agreement

    Point-of-Interaction Error

34. Mastercard 4853

    Disputed delivery, quality, refund, recurring charge, or billing

    Cardholder Dispute

35. Mastercard 4854

    Residual or surcharge dispute in a U.S. domestic transaction

    Cardholder Dispute

36. Mastercard 4855

    Goods or services not provided to the cardholder

    Cardholder Dispute

37. Mastercard 4859

    Legacy code for addendum, no-show, ATM, or loss and damage

    Cardholder Dispute

38. Mastercard 4860

    A promised or required refund was not processed

    Cardholder Dispute

39. Mastercard 4870

    Counterfeit-card fraud caused by missing chip data

    Fraud

40. Mastercard 4871

    Lost, stolen, or never-received card used without chip and PIN

    Fraud