Up-to-date chargeback rules for AI agents

Get the latest Visa and Mastercard rules, including reason codes, evidence requirements, and deadlines, structured and cited, into Claude or any agent. 

claude mcp add --transport http sparsu https://mcp.sparsu.com/mcp
"mcp_servers": [
  { "type": "url", "url": "https://mcp.sparsu.com/mcp", "name": "sparsu" }
],
"tools": [
  { "type": "mcp_toolset", "mcp_server_name": "sparsu" }
]
"tools": [
  { "type": "mcp", "server_label": "sparsu",
    "server_url": "https://mcp.sparsu.com/mcp" }
]

Public MCP · No signup · Read-only · Zero personal data

The catalog

30 reason codes, primary-verified.

Every entry is re-grounded in the Visa Core Rules and the Mastercard Chargeback Guide — 213 corrections applied, corpus confidence high. This table is generated from the live catalog at build time.

Visa and Mastercard reason codes in the catalog, with per-code situation and source counts
Scheme Code Title Category Situations Sources Confidence
Visa 10.1 EMV Liability Shift Counterfeit Fraud Fraud 5 8 high
Visa 10.2 EMV Liability Shift Non-Counterfeit Fraud Fraud 14 8 high
Visa 10.3 Other Fraud – Card-Present Environment Fraud 7 11 high
Visa 10.4 Other Fraud — Card-Absent Environment Fraud 16 8 high
Visa 10.5 Visa Fraud Monitoring Program Fraud 4 6 high
Visa 11.1 Card Recovery Bulletin Authorization 7 2 high
Visa 11.2 Declined Authorization Authorization 5 5 high
Visa 11.3 No Authorization/Late Presentment Authorization 7 5 high
Visa 12.1 Late Presentment Processing Errors 5 7 high
Visa 12.2 Incorrect Transaction Code Processing Errors 4 5 high
Visa 12.3 Incorrect Currency Processing Errors 7 5 high
Visa 12.4 Incorrect Account Number Processing Errors 4 3 high
Visa 12.5 Incorrect Amount Processing Errors 4 4 high
Visa 12.6 Duplicate Processing/Paid by Other Means Processing Errors 6 6 high
Visa 12.7 Invalid Data Processing Errors 4 5 high
Visa 13.1 Merchandise/Services Not Received Consumer Disputes 12 5 high
Visa 13.2 Cancelled Recurring Transaction Consumer Disputes 7 5 high
Visa 13.3 Not as Described or Defective Merchandise/Services Consumer Disputes 7 2 high
Visa 13.4 Counterfeit Merchandise Consumer Disputes 4 3 high
Visa 13.5 Misrepresentation Consumer Disputes 6 11 high
Visa 13.6 Credit Not Processed Consumer Disputes 4 6 high
Visa 13.7 Cancelled Merchandise/Services Consumer Disputes 6 7 high
Visa 13.8 Original Credit Transaction Not Accepted Consumer Disputes 3 5 high
Visa 13.9 Non-Receipt of Cash at an ATM Consumer Disputes 4 6 high
Mastercard 4808 Authorization-related Chargeback Authorization 7 9 high
Mastercard 4834 Point-of-Interaction Error Point-of-Interaction Error 9 4 high
Mastercard 4837 No Cardholder Authorization Fraud 9 6 high
Mastercard 4853 Cardholder Dispute Cardholder Dispute 10 4 high
Mastercard 4870 Chip Liability Shift (Counterfeit Fraud) Fraud 10 2 high
Mastercard 4871 Chip Liability Shift—Lost/Stolen/Never Received Issue (NRI) Fraud Fraud 11 4 high

Catalog snapshot 2026-06-27 · 208 situations · 19 primary sources · 2 schemes

The contract

Every answer is a decision envelope.

Deterministic data
No LLM sits behind our tools. Every answer is the same bytes for the same question — your agent does all the judgment.
Citations on every claim
Each rule carries its source_id and locator into the primary rulebook — down to the section and page.
Always a next_step
Every envelope ends with what to do next, so agents drive the whole workflow without guessing.
get_evidence_requirements("visa", "10.4") — example response, generated from the live catalog at build time 
{
  "data": {
    "scheme": "visa",
    "code": "10.4",
    "title": "Other Fraud — Card-Absent Environment",
    "situation": {
      "id": "ce-chart-physical-delivery",
      "cardholder_claim": "denies authorization of or participation in a card-absent purchase of physical merchandise",
      "cardinality": "Exactly ONE qualifying chart item suffices (one_of).",
      "required_evidence": [
        {
          "element": "Item 3 — delivery to the AVS Y/M-matched physical address (no signature required)",
          "obligation": "one_of",
          "data_fields": [
            "avs_result_code",
            "delivery_physical_address",
            "proof_of_delivery"
          ],
          "source": {
            "source_id": "visa-dispute-management-guidelines-merchants",
            "locator": "§4 chart item 3, PDF p.51"
          }
        },
        "… 3 more chart items (one_of)"
      ]
    },
    "defense_window": "30 calendar days from the Dispute Processing Date to submit a pre-Arbitration attempt (Core Rules §11.2.2 ID# 0030212)."
  },
  "citations": [
    {
      "source_id": "visa-core-rules-pspr",
      "locator": "§11.7.5 Dispute Condition 10.4 (p.698-709): 11.7.5.1 ID# 0030252"
    },
    {
      "source_id": "visa-dispute-management-guidelines-merchants",
      "locator": "§3 Condition 10.4 printed p.23-24 (PDF p.26-27)"
    }
  ],
  "next_step": "Pick the matching situation, collect its required_evidence data_fields, then confirm validity via get_reason_code_rules."
}

The tools

Three tools. Read-only. Cited.

  • list_reason_codes

    { scheme? }

    All 30 primary-verified Visa and Mastercard reason codes — scheme, code, title, category, status — so your agent knows what exists.

  • get_reason_code_rules

    { scheme, code, region? }

    The per-code rule slice: dispute condition, when the dispute is valid and invalid, time limits, regional deltas — every claim cited.

  • get_evidence_requirements

    { scheme, code, situation_id? }

    Defense evidence decomposed by situation: what to collect, the exact data fields, filing selections, the defense window.