Chargeback reason code
Refer to the following list for accepted values in the field chbk_reason_code.
It is mandatory to send this field if you async status update is chargeback.
Body example
{
"124sa987gjk0at61": {
"status": "chargeback",
"ts": "2018-08-28T15:22:11Z",
"chbk_reason_code": "10.5",
"chbk_amt": 42.99,
"chbk_currency": "EUR"
}
| Card scheme | Chargeback reason code | North-American chargeback reason code | Reason | Description | Internal chargeback type |
|---|---|---|---|---|---|
| AMERICAN EXPRESS | A01 | Charge amount exceeds authorization amount | A transaction is processed for an amount beyond the merchant's floor limit; an error was made entering numbers manually. | chbk_auth | |
| AMERICAN EXPRESS | A02 | No valid authorization | Transaction was made after the authorization code and transaction date; the limited authorization index was present in the authorization request; the transaction amount exceeds the amount in the limited authorization response; the vendor did not exclude the tip in the authorization amount; the card was expired and/or the account was closed. | chbk_auth | |
| AMERICAN EXPRESS | A03 | Valid 6 digit authorization code not provided | chbk_auth | ||
| AMERICAN EXPRESS | A04 | Valid authorization not obtained | chbk_auth | ||
| AMERICAN EXPRESS | A05 | Authorization approval code not on record | chbk_auth | ||
| AMERICAN EXPRESS | A06 | Overlimit authorization approval not obtained | chbk_auth | ||
| AMERICAN EXPRESS | A07 | Authorization was declined | chbk_auth | ||
| AMERICAN EXPRESS | A08 | Authorization approval expired | The transaction was not approved; the transaction was submitted after the expiration of the authorization approval; the authorization request was denied; or the transaction was made using an expired card. | chbk_auth | |
| AMERICAN EXPRESS | A09 | Same as a08 | chbk_auth | ||
| AMERICAN EXPRESS | A10 | Transaction did not receive valid approval | chbk_auth | ||
| AMERICAN EXPRESS | 4515 | C14 | Paid through other means | The cardholder provided proof of payment by another method. | chbk_dispute |
| AMERICAN EXPRESS | 4532 | Damaged and/or defective goods/services | The cardholder disputes the quality of the merchandise or services. | chbk_dispute | |
| AMERICAN EXPRESS | 4544 | C28 | Cancelation of recurring goods/services services | Cardholder claims that their account continues to be billed for recurring goods or services that they had previously canceled or revoked. | chbk_dispute |
| AMERICAN EXPRESS | 4554 | C08 | Goods and services not received | The cardholder claims that the goods or services that were purchased at your business have not been received. | chbk_dispute |
| AMERICAN EXPRESS | 4754 | Local regulatory/legal dispute | The cardholder alleges that a law or regulation was not followed. | chbk_dispute | |
| AMERICAN EXPRESS | C02 | No credit received | A credit has not been applied to cardholders account for either: goods/services canceled; an advance deposit/ payment or a no show reservation. | chbk_dispute | |
| AMERICAN EXPRESS | C04 | Goods and services not received/refused | The cardholder claims that the goods or services that were purchased at your business have not been received or have been refused. | chbk_dispute | |
| AMERICAN EXPRESS | C05 | Goods returned/canceled | The cardholder claims that the goods/services ordered were canceled. | chbk_dispute | |
| AMERICAN EXPRESS | C31 | Not as described | The goods or services received from your business were either not as described by your business or the price should be lower than that claimed by your business. | chbk_dispute | |
| AMERICAN EXPRESS | C32 | Damaged and/or defective goods/services | The cardholder disputes the quality of the merchandise or services. | chbk_dispute | |
| AMERICAN EXPRESS | 4540 | F29 | Card not present (fraud) | The cardholder denies participation in a mail; telephone or internet-type transaction. | chbk_fraud |
| AMERICAN EXPRESS | 4763 | Full recourse | A cardholder is claiming that they did not authorise or participate in a transaction that you processed. | chbk_fraud | |
| AMERICAN EXPRESS | 4798 | F30 | Fraud liability shift – counterfeit | A cardholder is claiming that they did not authorise or participate in a transaction that you processed. | chbk_fraud |
| AMERICAN EXPRESS | 4799 | F31 | Fraud liability shift – lost/stolen/non-received | A cardholder is claiming that they did not authorise or participate in a transaction that you processed. | chbk_fraud |
| AMERICAN EXPRESS | 4534 | F24 | No card member authorization | The cardholder denies participation in the charge submitted and you have failed to provide proof that the cardholder participated in the charge. | chbk_fraud |
| AMERICAN EXPRESS | FR2 | Fraud full recourse program | Merchant falls under high-risk category; The issuer receives an unusual number of inquiries and chargebacks compared to processing history; merchant account has been disabled or cancelled due to suspicious activities or violation of the agreement. | chbk_fraud | |
| AMERICAN EXPRESS | FR4 | Placed in immediate chargeback program | The cardholder has disputed the charge and you have been placed in the Immediate Chargeback Program. | chbk_fraud | |
| AMERICAN EXPRESS | FR6 | Placed in the partial immediate chargeback program | The cardholder has disputed the charge and you have been placed in the Partial Immediate Chargeback Program. | chbk_fraud | |
| AMERICAN EXPRESS | 4834 | all types of procession errors | chbk_err | ||
| AMERICAN EXPRESS | 4507 | P05 | Incorrect transaction amount presented | Charges were incorrectly submitted by using an incorrect amount. | chbk_err |
| AMERICAN EXPRESS | 4512 | Multiple processing | A charge was incorrectly submitted more than once to the cardholders account. | chbk_err | |
| AMERICAN EXPRESS | P08 | Duplicate charge | The cardholder claims that a single transaction was processed more than once. | chbk_err | |
| AMERICAN EXPRESS | 4522 | Authorization declined | An Authorization Request was declined. | chbk_err | |
| AMERICAN EXPRESS | 4523 | P01 | Unassigned C/M account number | Account number does not correspond to the account numbers the issuer has on file for this cardholder. | chbk_err |
| AMERICAN EXPRESS | 4525 | Transaction amount changed | The cardholder claims that the amount they agreed to pay differs from the amount charged. | chbk_err | |
| AMERICAN EXPRESS | 4530 | Currency discrepancy | The cardholder was advised the charge is in a currency that differs from that which they originally agreed upon. | chbk_err | |
| AMERICAN EXPRESS | P23 | Currency discrepancy | A cardholder claims the converted amount of charge on an international transaction is incorrect. | chbk_err | |
| AMERICAN EXPRESS | 4536 | P07 | Late presentment | A charge was submitted for payment outside the timeframe. | chbk_err |
| AMERICAN EXPRESS | 4752 | P03, P04 | Credit/debit presentment error | When an account is posted a debit in place of a credit by mistake. | chbk_err |
| AMERICAN EXPRESS | 4755 | No valid approval code | A transaction where Authorization was required but not obtained. | chbk_err | |
| AMERICAN EXPRESS | 4758 | F22 | Expired/not yet valid card | A transaction completed with an expired card. | chbk_err |
| Cartes Bancaires | 45 | Fraud -disputed transaction | The cardholder is claiming that they did not authorise or participate in the processed transaction. | chbk_fraud | |
| DINERS | A06 | Unissued account number | Account number does not correspond to the account numbers the issuer has on file for this cardholder. | chbk_auth | |
| DINERS | D62 | Non-receipt of goods or services | The cardholder claims that the goods or services that were purchased at your business have not been received. | chbk_dispute | |
| DINERS | D66 | Credit not processed | A credit has not been applied to cardholders account for either: goods/services canceled; an advance deposit/ payment or a no show reservation. | chbk_dispute | |
| DINERS | D69 | Canceled recurring transactions | The cardholder claims that their account continues to be billed for recurring goods or services that they had previously canceled or revoked. | chbk_dispute | |
| DINERS | C46 | Multiple charges at service establishment fraudulent transaction | The Card member acknowledges participating in at least one transaction but denies participating in one or more other charges at the same Service Establishment. | chbk_fraud | |
| DINERS | C41 | Fraud - card present transaction | Card member did not authorise or participate in a card-present transaction. | chbk_fraud | |
| DINERS | C42 | Fraud - card not present transaction | The cardholder did not authorise or participate in a transaction conducted in a card-absent environment (such as internet, mail-order, phone-order, etc.). | chbk_fraud | |
| DINERS | C53 | Fraud – chip card counterfeit transaction | A cardholder is claiming that they did not authorise or participate in a transaction that you processed. | chbk_fraud | |
| DINERS | C54 | Fraud – lost or stolen chip and PIN card transaction | Card member did not authorise or participate in a card-present transaction | chbk_fraud | |
| DINERS | D70 | Cardmember 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. | chbk_fraud | |
| DINERS | A02 | Authorization processing errors | The payment could not be authorised due to errors. | chbk_err | |
| DINERS | B24 | Late presentation | The transaction was not sent to Diners within the timeframe required. | chbk_err | |
| DINERS | B25 | Duplicate charge | The cardholder claims that a single transaction was processed more than once. | chbk_err | |
| DINERS | B26 | Alternate settlement currency incorrect exchange rates | A cardholder claims the converted amount of charge on an international transaction is incorrect. | chbk_err | |
| DINERS | B27 | Incorrect currency | You sent a transaction that was processed with an incorrect currency code. Often the cardholder was not advised or did not agree that Dynamic Currency Conversion (DCC) would occur. | chbk_err | |
| DINERS | D61 | Altered amount | The cardholder claims that the amount they agreed to pay differs from the amount charged. | chbk_err | |
| DINERS | D67 | Cardmember paid by other means | The cardholder claims that they paid for the merchandise or service by other means (such as cash, check, other card, etc.). | chbk_err | |
| DISCOVER | 4753 | Invalid cardholder number | Account number does not correspond to the account numbers the issuer has on file for this cardholder. | chbk_auth | |
| DISCOVER | 4755 | Non-receipt of goods or services | The cardholder claims that the goods or services that were purchased at your business have not been received. | chbk_dispute | |
| DISCOVER | 4553 | Cardholder disputes quality of goods or services | The cardholder disputes the quality of the merchandise or services. | chbk_dispute | |
| DISCOVER | 4541 | Recurring payment | Cardholder claims that their account continues to be billed for recurring goods or services that they had previously canceled or revoked. | chbk_dispute | |
| DISCOVER | 8002 | Credit not processed | A credit has not been applied to the cardholder's account for either: goods/services canceled; an advance deposit/ payment or a no show reservation. | chbk_dispute | |
| DISCOVER | 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. | chbk_fraud | |
| DISCOVER | 4866 | Fraud chip card counterfeit transaction | A cardholder is claiming that they did not authorise or participate in a transaction that you processed. | chbk_fraud | |
| DISCOVER | 4867 | Fraud chip card and PIN transaction | A cardholder is claiming that they did not authorise or participate in a transaction that you processed. | chbk_fraud | |
| DISCOVER | 7010 | Fraud card present transaction | A cardholder is claiming that they did not authorise or participate in a key-entered or unattended transaction conducted in a card-present environment. | chbk_fraud | |
| DISCOVER | 7030 | Fraud card not present transaction | The cardholder did not authorise or participate in a transaction conducted in a card-absent environment (such as internet, mail-order, phone-order, etc.). | chbk_fraud | |
| DISCOVER | 4534 | Duplicate processing | The cardholder claims that a single transaction was processed more than once. | chbk_err | |
| DISCOVER | 4542 | Late presentation | The transaction was not sent to Discover within the timeframe required. | chbk_err | |
| DISCOVER | 4550 | Credit/ debit posted incorrectly | When an account received a debit in place of a credit by mistake. | chbk_err | |
| DISCOVER | 4586 | Altered amount | The cardholder claims that the amount they agreed to pay differs from the amount charged. | chbk_err | |
| DISCOVER | 4865 | Paid by other means | The cardholder claims that they paid for the merchandise or service by other means (such as cash, check, other card, etc.). | chbk_err | |
| ELO | 30 | Services not rendered | The cardholder claims that the goods or services that were purchased at your business have not been received. | chbk_dispute | |
| ELO | 41 | Cardholder canceled recurring transaction | The cardholder claims that their account continues to be billed for recurring goods or services that they had previously canceled or revoked. | chbk_dispute | |
| ELO | 53 | Defective merchandise/goods not as described | The cardholder claims the goods were not as described or disputes the quality of the merchandise or services. | chbk_dispute | |
| ELO | 75 | Cardholder does not recognize | The cardholder states that neither they, nor anyone authorised by them, engaged in the transaction. | chbk_fraud | |
| ELO | 83 | Card absent fraud | Cardholder did not authorise or participate in a transaction conducted in a card-absent environment (such as internet, mail-order, phone-order, etc.). | chbk_fraud | |
| ELO | 74 | Late presentment | The transaction was not sent to ELO within the timeframe required. | chbk_err | |
| ELO | 77 | Non matching account number | Account number does not correspond to the account numbers the issuer has on file for this cardholder. | chbk_err | |
| ELO | 80 | Processing error | A error was made when processing the transaction on the terminal. | chbk_err | |
| ELO | 82 | Duplicate processing | The cardholder claims that a single transaction was processed more than once. | chbk_err | |
| ELO | 85 | Credit not processed | A credit has not been applied to the cardholders account for either: goods/services canceled; an advance deposit/ payment or a no show reservation. | chbk_err | |
| JCB | 517 | Requested copy illegible | This chargeback occurs when the Issuer of an account requests a copy of a transaction receipt on behalf of the cardholder, and a legible copy of the draft requested was not received. | chbk_auth | |
| JCB | 522 | Authorization declined | An Authorization Request was declined. | chbk_auth | |
| JCB | 523 | Incorrect card number | Account number does not correspond to the account numbers the issuer has on file for this cardholder. | chbk_auth | |
| JCB | 503 | Expired JCB card | A transaction completed with an expired card. | chbk_auth | |
| JCB | 547 | Card on stop list | This chargeback occurs when the JCB card presented for payment was listed on a Stop List that was effective at the time of sale. | chbk_auth | |
| JCB | 502 | Cardmember dispute | The cardholder claims that the goods or services that were purchased at your business have not been received. | chbk_dispute | |
| JCB | 513 | Credit not received | A credit has not been applied to the cardholders account for either: goods/services canceled; an advance deposit/ payment or a no show reservation. | chbk_dispute | |
| JCB | 516 | Non-receipt of requested item | The cardholder claims that the goods or services that were purchased at your business have not been received. | chbk_dispute | |
| JCB | 544 | Canceled recurring transaction | The cardholder claims that their account continues to be billed for recurring goods or services that they had previously canceled or revoked. | chbk_dispute | |
| JCB | 554 | Non-receipt of merchandise/non-receipt of cash at ATM | This chargeback occurs when the cardholder does not receive merchandise at the agreed location. | chbk_dispute | |
| JCB | 537 | No show dispute | The cardholder claims they were not properly informed of the No-Show or cancellation policy at the time of the reservation. | chbk_dispute | |
| JCB | 538 | Advance deposit | The cardholder claims they were not properly informed of the cancellation policy at the time of the reservation. | chbk_dispute | |
| JCB | 534 | Unauthorized multiple transaction | This chargeback occurs when two or more transactions take place at one location, and the cardholder claims they only authorised or participated in one. | chbk_fraud | |
| JCB | 546 | Unauthorized purchase | The cardholder did not authorise or participate in the transaction. | chbk_fraud | |
| JCB | 526 | No signature | Signature is missing from the Sales Draft you sent to Adyen. | chbk_fraud | |
| JCB | 527 | No imprint | Sales Draft does not contain a JCB Card imprint or the Transaction data read from the magnetic stripe or IC chip of the JCB Card. | chbk_fraud | |
| JCB | 507 | Incorrect transaction amount | The cardholder claims that the amount they agreed to pay differs from the amount charged. | chbk_err | |
| JCB | 510 | Mispost | When an account is posted a debit in place of a credit by mistake. | chbk_err | |
| JCB | 512 | Duplicate processing | The cardholder claims that a single transaction was processed more than once. | chbk_err | |
| JCB | 524 | Addition error | The Cardholder's copy of the sales draft or other transaction record shows an error in addition which causes the total amount to be incorrect. | chbk_err | |
| JCB | 525 | Altered amount | The cardholder claims that the amount they agreed to pay differs from the amount charged. | chbk_err | |
| JCB | 536 | Late submission | The transaction was not sent to JCB within the timeframe required. | chbk_err | |
| JCB | 541 | Illegible item | This chargeback occurs when the Issuer of an account requests a copy of a transaction receipt on behalf of the cardholder, and a legible copy of the draft requested was not received. | chbk_err | |
| JCB | 581 | Split sale | This chargeback occurs when a transaction requiring an authorization decision was split into two or more card sales to avoid authorization, and had the whole sale been submitted for authorization, it would have been declined. | chbk_err | |
| JCB | 583 | Paid by other means | The cardholder claims that they paid for the merchandise or service by other means (such as cash, check, other card, etc.). | chbk_err | |
| MAESTRO | 4835 | Card not valid or expired | A transaction completed with an expired card. | chbk_auth | |
| MAESTRO | 4807 | Warning bulletin file | The payment could not be authorised. | chbk_auth | |
| MAESTRO | 4808 | Requested /required authorization not obtained | The payment could not be authorised. | chbk_auth | |
| MAESTRO | 4812 | Account number not on file | Account number does not correspond to the account numbers the issuer has on file for this cardholder. | chbk_auth | |
| MAESTRO | 4853 | Consumer disputes | all types of consumer disputes | chbk_dispute | |
| MAESTRO | 4837 | No cardholder authorization | The cardholder states that they, nor anyone authorised by them, engaged in the transaction. | chbk_fraud | |
| MAESTRO | 4840 | Fraudulent processing of transactions | The cardholder claims that a fraudulent purchase was made while the card was in the cardholder's possession at the time of the transaction. | chbk_fraud | |
| MAESTRO | 4849 | Questionable merchant activity | The acquirer processed a transaction that was later was listed in a Mastercard Global Security Bulletin for violating GMAP, QMAP, or reported to SAFE. | chbk_fraud | |
| MAESTRO | 4863 | Cardholder does not recognize – potential fraud | The cardholder claims that they do not recognize the transaction and states that they did not authorise the charge to their credit card. | chbk_fraud | |
| MAESTRO | 4870 | Chip liability shift | The cardholder claims they were in possession of a valid card on the date of transaction but they did not authorise or participate in the transaction. | chbk_fraud | |
| MAESTRO | 4871 | Chip/PIN liability shift | The cardholder claims they were not in possession of a valid card on the date of transaction and they did not authorise or participate in the transaction. | chbk_fraud | |
| MAESTRO | 4999 | Domestic chargeback dispute (Europe region only) | The issuer can supply this message for a domestic chargeback that doesn't meet another chargeback categorization. | chbk_fraud | |
| MAESTRO | 68 | National fraudulent chargeback reason code in Spain | chbk_fraud | ||
| MASTERCARD | 4835 | Card not valid or expired | A transaction completed with an expired card. | chbk_auth | |
| MASTERCARD | 4807 | Warning bulletin file | The payment could not be authorised. | chbk_auth | |
| MASTERCARD | 4808 | Requested/required authorization not obtained | The payment could not be authorised. | chbk_auth | |
| MASTERCARD | 4812 | Account number not on file | Account number does not correspond to the account numbers the issuer has on file for this cardholder. | chbk_auth | |
| MASTERCARD | 4853 | all types of consumer disputes | chbk_dispute | ||
| MASTERCARD | 4837 | No cardholder authorization | The cardholder states that they, nor anyone authorised by them, engaged in the transaction. | chbk_fraud | |
| MASTERCARD | 4840 | Fraudulent processing of transactions | The cardholder claims that a fraudulent purchase was made while the card was in the cardholder's possession at the time of the transaction. | chbk_fraud | |
| MASTERCARD | 4849 | Questionable merchant activity | The acquirer processed a transaction that was later was listed in a Mastercard Global Security Bulletin for violating GMAP, QMAP, or reported to SAFE. | chbk_fraud | |
| MASTERCARD | 4863 | Cardholder does not recognize – potential fraud | The cardholder claims that they do not recognize the transaction and states that they did not authorise the charge to their credit card. | chbk_fraud | |
| MASTERCARD | 4870 | Chip liability shift | The cardholder claims they were in possession of a valid card on the date of transaction but they did not authorise or participate in the transaction. | chbk_fraud | |
| MASTERCARD | 4871 | Chip/PIN liability shift | The cardholder claims they were not in possession of a valid card on the date of transaction and they did not authorise or participate in the transaction. | chbk_fraud | |
| MASTERCARD | 4999 | Domestic chargeback dispute (Europe region only) | The issuer can supply this message for a domestic chargeback that doesn't meet another chargeback categorization. | chbk_fraud | |
| MASTERCARD | 68 | National fraudulent chbk reason code in Spain | chbk_fraud | ||
| SEPA | AC01 | Incorrect account number | Format of the account number specified is not correct. | chbk_sepa | |
| SEPA | AC04 | Closed account number | Holder has closed the account. | chbk_sepa | |
| SEPA | AC06 | Blocked account | Account specified is blocked. | chbk_sepa | |
| SEPA | AM04 | Insufficient funds | Insufficient funds. | chbk_sepa | |
| SEPA | DNOR | Debtor bank is not registered | Debtor bank is not registered. | chbk_sepa | |
| SEPA | MD01 | No mandate | Invalid mandate. | chbk_sepa | |
| SEPA | MD06 | Refund request by end customer | Refund request by end customer. | chbk_sepa | |
| SEPA | MS02 | Not specified reason customer generated | Refusal by the Debtor. | chbk_sepa | |
| SEPA | MS03 | Not specified reason agent generated | This code can replace other reason codes (AC04 and AM04 amongst others) in certain countries for data protection purposes. | chbk_sepa | |
| SEPA | SL01 | Specific service offered by debtor agent | Bank is blocking any Direct Debit which is not pre-approved by the bank account holder. | chbk_sepa | |
| UnionPay | 4502 | Transaction was settled but cash/goods/services were not received | The cardholder claims that the goods or services that were purchased at your business have not been received. | chbk_dispute | |
| UnionPay | 4532 | Refund not processed | A credit has not been applied to the cardholders account for either: goods/services canceled; an advance deposit/ payment or a no show reservation. | chbk_dispute | |
| UnionPay | 4544 | Canceled transaction | The cardholder's bank received a notice from the cardholder stating that they returned merchandise or canceled services, but the credit has not appeared. | chbk_dispute | |
| UnionPay | 4515 | Cardholder denies the transaction | The cardholder states that neither they, nor anyone authorised by them, engaged in the transaction. | chbk_fraud | |
| UnionPay | 4514 | Fraudulent multiple transactions | This chargeback occurs when two or more transactions take place at one location, and thecardholder claims they only authorised or participated in one. | chbk_fraud | |
| UnionPay | 4562 | Counterfeit card | A cardholder is claiming that they did not authorise or participate in a transaction that you processed. | chbk_fraud | |
| UnionPay | 4507 | Cardholder dispute- transaction amount differs | The cardholder claims that the amount they agreed to pay differs from the amount charged. | chbk_err | |
| UnionPay | 4508 | Exceeds limited or authorised amount | Chargeback amount is equal to or less than the exceeded limited /authorised amount. | chbk_err | |
| UnionPay | 4512 | Duplicate processing | The cardholder claims that a single transaction was processed more than once. | chbk_err | |
| UnionPay | 4522 | Declined authorization | An Authorization Request was declined. | chbk_err | |
| UnionPay | 4536 | Late presentment | The transaction was not sent to CUP within the timeframe required. | chbk_err | |
| UnionPay | 4806 | Paid by other means | The cardholder claims that they paid for the merchandise or service by other means (such as cash, check, other card, etc.). | chbk_err | |
| VISA | 11.1 | Card recovery bulletin | The transaction was below the your floor limit and was not authorised. | chbk_auth | |
| VISA | 11.2 | Declined authorization | An Authorization Request was declined. | chbk_auth | |
| VISA | 11.3 | No authorization | The payment could not be authorised. | chbk_auth | |
| VISA | 13.1 | Merchandise/services not received | The cardholder claims that merchandise or services that they ordered were not received or that the cardholder canceled the order as the result of not receiving the merchandise or services by the expected delivery date (or merchandise was unavailable for pick-up). | chbk_dispute | |
| VISA | 13.2 | Canceled recurring | A recurring transaction was processed after it was canceled or that the cardholder's account was closed. | chbk_dispute | |
| VISA | 13.3 | Not as described or defective merchandise/services | The cardholder claims the goods were not as described or disputes the quality of the merchandise or services. | chbk_dispute | |
| VISA | 13.4 | Counterfeit merchandise | The merchandise was identified as counterfeit by a third party. | chbk_dispute | |
| VISA | 13.5 | Misrepresentation | The cardholder's bank received a notice from the cardholder claiming that the terms of the sale were misrepresented. | chbk_dispute | |
| VISA | 13.6 | Credit not processed | The cardholder's bank received a notice from the cardholder claiming that they received a credit or voided transaction receipt that has not been processed. | chbk_dispute | |
| VISA | 13.7 | Canceled merchandise/services the cardholder's bank received a notice from the cardholder stating that they returned merchandise or canceled services, but the credit has not appeared on the cardholder's Visa statement. | chbk_dispute | ||
| VISA | 13.8 | Original credit transaction not accepted | The original credit was not accepted. | chbk_dispute | |
| VISA | 13.9 | Non-receipt of cash or load transaction value | Cardholder did not receive the full cash withdrawal at an ATM. | chbk_dispute | |
| VISA | 10.1 | EMV liability shift counterfeit fraud | The cardholder is claiming that they did not authorise or participate in a transaction that you processed. The terminal was not EMV compliant. | chbk_fraud | |
| VISA | 10.2 | EMV liability shift non-counterfeit fraud | The cardholder is claiming that they did not authorise or participate in a transaction that you processed. The terminal was not EMV compliant. | chbk_fraud | |
| VISA | 10.3 | Other fraud-card present environment | The cardholder is claiming that they did not authorise or participate in a key-entered or unattended transaction conducted in a card-present environment. | chbk_fraud | |
| VISA | 10.4 | Other fraud-card absent environment | The cardholder did not authorise or participate in a transaction conducted in a card-absent environment (such as internet, mail-order, phone-order, etc.). | chbk_fraud | |
| VISA | 10.5 | Visa fraud monitoring program | Visa notified the cardholder's bank that the Visa Fraud Monitoring Program (VFMP) identified the transaction and the cardholder's bank has not successfully disputed the transaction under another dispute condition. | chbk_fraud | |
| VISA | 12.1 | Late presentment | The transaction was not sent to Visa within the timeframe required. | chbk_err | |
| VISA | 12.2 | Incorrect transaction code | A cardholder claims the converted amount of charge on an international transaction is incorrect. | chbk_err | |
| VISA | 12.3 | Incorrect currency | You sent a transaction that was processed with an incorrect currency code. Often the cardholder was not advised or did not agree that Dynamic Currency Conversion (DCC) would occur. | chbk_err | |
| VISA | 12.4 | Incorrect account number | You either processed the transaction to an incorrect account number or did not authorise the transaction and it was processed to an account number not on the issuer's master file. | chbk_err | |
| VISA | 12.5 | Incorrect amount | The cardholder claims that the amount they agreed to pay differs from the amount charged. | chbk_err | |
| VISA | 12.6 | Duplicate processing/paid by other means | The cardholder claims that a single transaction was processed more than once or the cardholder claims that they paid for the merchandise or service by other means (such as cash, check, other card, etc.). | chbk_err | |
| VISA | 12.6.1 | Duplicate processing | The merchant tries to submit multiple batches at one time; the transaction has multiple receipts; the transaction is duplicated in the merchant's system; the transaction was processed but the cardholder paid for the same merchandise or service by other means. | chbk_err | |
| VISA | 12.6.2 | Paid by other means | The merchant tries to submit multiple batches at one time; the transaction has multiple receipts; the transaction is duplicated in the merchant's system; the transaction was processed but the cardholder paid for the same merchandise or service by other means. | chbk_err | |
| VISA | 12.7 | Invalid data | An authorization was obtained using invalid or incorrect data. | chbk_err | |
| VISA/DANKORT | 11.1 | Card recovery bulletin | The transaction was below the your floor limit and was not authorised. | chbk_auth | |
| VISA/DANKORT | 11.2 | Declined authorization | An Authorization Request was declined. | chbk_auth | |
| VISA/DANKORT | 11.3 | No authorization | The payment could not be authorised. | chbk_auth | |
| VISA/DANKORT | 13.1 | Merchandise/services not received | The cardholder claims that merchandise or services that they ordered were not received or that the cardholder canceled the order as the result of not receiving the merchandise or services by the expected delivery date (or merchandise was unavailable for pick-up). | chbk_dispute | |
| VISA/DANKORT | 13.2 | Canceled recurring | A recurring transaction was processed after it was canceled or that the cardholder's account was closed. | chbk_dispute | |
| VISA/DANKORT | 13.3 | Not as described or defective merchandise/services | The cardholder claims the goods were not as described or disputes the quality of the merchandise or services. | chbk_dispute | |
| VISA/DANKORT | 13.4 | Counterfeit merchandise | The merchandise was identified as counterfeit by a third party. | chbk_dispute | |
| VISA/DANKORT | 13.5 | Misrepresentation | The cardholder's bank received a notice from the cardholder claiming that the terms of the sale were misrepresented. | chbk_dispute | |
| VISA/DANKORT | 13.6 | Credit not processed | The cardholder's bank received a notice from the cardholder claiming that they received a credit or voided transaction receipt that has not been processed. | chbk_dispute | |
| VISA/DANKORT | 13.7 | Canceled merchandise/services the cardholder's bank received a notice from the cardholder stating that they returned merchandise or canceled services, but the credit has not appeared on the cardholder's Visa statement. | chbk_dispute | ||
| VISA/DANKORT | 13.8 | Original credit transaction not accepted | The original credit was not accepted. | chbk_dispute | |
| VISA/DANKORT | 13.9 | Non-receipt of cash or load transaction value | Cardholder did not receive the full cash withdrawal at an ATM. | chbk_dispute | |
| VISA/DANKORT | 10.1 | EMV liability shift counterfeit fraud | The cardholder is claiming that they did not authorise or participate in a transaction that you processed. The terminal was not EMV compliant. | chbk_fraud | |
| VISA/DANKORT | 10.2 | EMV liability shift non-counterfeit fraud | The cardholder is claiming that they did not authorise or participate in a transaction that you processed. The terminal was not EMV compliant. | chbk_fraud | |
| VISA/DANKORT | 10.3 | Other fraud-card present environment | The cardholder is claiming that they did not authorise or participate in a key-entered or unattended transaction conducted in a card-present environment. | chbk_fraud | |
| VISA/DANKORT | 10.4 | The cardholder did not authorise or participate in a transaction conducted in a card-absent environment (such as internet, mail-order, phone-order, etc.). | chbk_fraud | ||
| VISA/DANKORT | 10.5 | Visa fraud monitoring program | Visa notified the cardholder's bank that the Visa Fraud Monitoring Program (VFMP) identified the transaction and the cardholder's bank has not successfully disputed the transaction under another dispute condition. | chbk_fraud | |
| VISA/DANKORT | 12.1 | Late presentment | The transaction was not sent to Visa within the timeframe required. | chbk_err | |
| VISA/DANKORT | 12.2 | Incorrect transaction code | A cardholder claims the converted amount of charge on an international transaction is incorrect. | chbk_err | |
| VISA/DANKORT | 12.3 | Incorrect currency | You sent a transaction that was processed with an incorrect currency code. Often the cardholder was not advised or did not agree that Dynamic Currency Conversion (DCC) would occur. | chbk_err | |
| VISA/DANKORT | 12.4 | Incorrect account number | You either processed the transaction to an incorrect account number or did not authorise the transaction and it was processed to an account number not on the issuer's master file. | chbk_err | |
| VISA/DANKORT | 12.5 | The cardholder claims that the amount they agreed to pay differs from the amount charged. | chbk_err | ||
| VISA/DANKORT | 12.6 | Duplicate processing/paid by other means | The cardholder claims that a single transaction was processed more than once or the cardholder claims that they paid for the merchandise or service by other means (such as cash, check, other card, etc.). | chbk_err | |
| VISA/DANKORT | 12.6.1 | Duplicate processing | The merchant tries to submit multiple batches at one time; the transaction has multiple receipts; the transaction is duplicated in the merchant's system; the transaction was processed but the cardholder paid for the same merchandise or service by other means. | chbk_err | |
| VISA/DANKORT | 12.6.2 | Paid by other means | The merchant tries to submit multiple batches at one time; the transaction has multiple receipts; the transaction is duplicated in the merchant's system; the transaction was processed but the cardholder paid for the same merchandise or service by other means. | chbk_err | |
| VISA/DANKORT | 12.7 | Invalid data | An authorization was obtained using invalid or incorrect data. | chbk_err |