1 chargeback: 1. Chargeback Reason Codes /. Documentation must be a direct result of cardholder communication. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. 12, 1 December 2015, Authorization-related Chargeback Sections Combined. Visa Chargeback Reason Codes. Chargebacks—Maestro POS Transactions—added information to the section, Proper Use of Intra-European Message Reason Code 4808, about theMasterCard – 4863 Cardholder Does Not Recognize – Potential Fraud. That's why we've created this guide, which goes over what reason codes. 75: Cardholder does not recognize transactions. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. Date – Date the chargeback or reversal was processed to your bank account. Versions Affected: v2, v3, v4, v5, v6. ©In order to fight a chargeback effectively, however, you'll need to know the reason code. However, the 30 day waiting period can be waived if you’ve. Chargeback Reason Codes; Chargeback Reason Codes. 4846. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. Reason code 4837: Fraud related chargeback or no cardholder authorization. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. Depending on what reason the cardholder is filing a chargeback, there are different reason codes assigned to the case. directly and more quickly exchange questions and answers to address the cardholder’s claim Mastercard has eliminated the Chargeback rights and hopefully find a resolution that does not reason code 4863 “Cardholder Does Not require a. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. 4863: Cardholder does not recognize – Potential Fraud. Total views 100+ Dr. 3: Card-Present Environment. However, just because a chargeback is coded with a fraud or no authorization reason code does not mean true fraud has actually taken place. Improve chargeback-resolution time. Expedited Dispute Resolution forms will not be allowed. 4859 Service not rendered. Download our. Hello, For MasterCard. Reason Code 04. Request Due to Cardholder Dispute 044Transaction Documentation Request for Fraud Analysis Good Faith Investigation. 03 7064 4863 is a Fixed Line Telephone Number and could be a Spare Number. 5. 4870: Chip liability shift. 3. 4812: Account Number. Sift’s MasterCard chargeback reason code guide features every single MasterCard reason code, its description, expert insights, and real world examples. The following table lists the Visa chargeback reason codes and their descriptions. 13 Example 13—Message Reason Code 4863—Cardholder Does Not RecognizeChargeback Reason Codes by Industry. This reason code may not be used for: Properly identified Mastercard SecureCode, Masterpass by Mastercard, and Digital Secure Remote Payment (DSRP) transactions (including any subsequent transaction related to the original DSRP. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Code 4837 chargebacks are most often caused by either a fraudster making a purchase with stolen payment credentials or a cardholder failing to recognize a legitimate charge. Knowing these codes can help you dispute chargebacks more effectively. for chargeback reason code 4863 (Cardholder Does Not Recognize). Step 1: Identify the Source. Documentation must be a direct result of cardholder communication. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. If like most Discover cardholders, your card was issued by Discover Bank, they are the ones you must contact for a Discover chargeback or to dispute a transaction. This chargeback occurs when merchants do not adequately provide currency information. Transaction unauthorized make up 30% of all chargeback reason codes. Visa - 10. ACS Number – The automated case number (ACS) assigned to the chargeback/reversal. 11/03/15 Updated these MasterCard Chargeback Codes: 08, 12, 31, 34, 42, 53, 55, 59, 60, 70, 71. 1:. Customer Dispute. Protect cardholder data. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Chargeback reason codes used to categorize fraudulent chargebacks include American Express reason code 193, Visa reason code 83, MasterCard reason code 4863, and Discover reason code 6040. Expedited Dispute Resolution forms will not be allowed. Chargeback Reason Codes Page 2 of 5. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. reason code information. 6. EUR/USD 5 per chargeback for each chargeback over 300. Investigate suspicious orders. Reason Code. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. The most comprehensive guide to chargeback reason codes. Time Limit in Calendar Days. Items – Total number of chargebacks or reversalsThe tables below include the reason codes you might receive when a dispute occurs. 4808: This code can refer to: Account Number Not on File. 4863: Cardholders Does Not. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. The Update dispute status endpoint generates this event. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directlyProtected Chargeback Reason Codes: Visa USA: Credit & Debit Cards – Authentication & Attempts. Documentation must be a direct result of cardholder communication. Reason Code Description Time Limit; 4863: Cardholder Does Not Recognize: 120 days: 4831: Fraud Transaction, Card. [MasterCard Reason Codes 4853, 4855, 4859; Visa. This reason code may not be used for: Properly identified Mastercard SecureCode, Masterpass by Mastercard, and Digital Secure Remote Payment (DSRP) transactions (including any subsequent transaction related to the. Cardholder Dispute — Defective Merchandise / Not as Described. 4863 – Cardholder Does Not Recognize – Potential Fraud: 120 days. Only chargebacks with the following reason codes are eligible for Chargeback Protection: Reason Code: Definition: 10. Storing fulfillment costs, prevent chargebacks, and improve customer satisfaction. Summary of Changes, 13 December 2018Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Mastercard. But, it could be up to 540 days, in some situations. Chargeback reason codes used to categorize fraudulent chargebacks include American Express reason code 193, Visa reason code 83, MasterCard reason code 4863, and Discover reason code 6040. S. Mastercard Chargeback Reason Code 71: Disputed Amount. 13 Example 13—Message Reason Code 4863—Cardholder Does Not RecognizeReason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. EN. Mastercard requires cardholder letter or email as supporting documentation in first chargebacks for chargeback reason code 4863 (Cardholder Does Not Recognize). The bank or credit union then conducts an investigation to ascertain the validity of the dispute. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directlyOne of such changes is that chargeback reason code 4863 (Cardholder Does Not Recognize—Potential Fraud) will be eliminated deleted from the revised chargeback rules on or after 17 April 2020. 2. section into chargeback reason code 4808 (Authorization-related Chargeback) as announced in the Global Operations Bulletin No. Read the Chargeback Advice letter carefully. 1 Quick Reference Lead. Documentation must be a direct result of cardholder communication. Category. During this process, the representative of the institution examines the reasons’ list. 2. These may impact the dispute time limits. Chargebacks filed using legacy reason code 4863 (“Cardholder Does Not Recognize — Potential Fraud”) were also subject, but this reason code has been retired and is no longer used. for chargeback reason code 4863 (Cardholder Does Not Recognize). section into chargeback reason code 4808 (Authorization-related Chargeback) as announced in the Global Operations Bulletin No. Chargeback Reason Codes by Scheme. 10. Author: Isaac Lambert. Regardless, merchants must respond to the given reason code. Documentation must be a direct result of cardholder communication. Chargebacks are almost always initiated by customers, but businesses can request them as well (although this doesn’t happen often). Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Documentation must be a direct result of cardholder communication. These codes fit into four categories:. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. That’s because customers often use the. 1. First presentment fraud chargebacks include those with chargeback reason codes 4837 (No cardholder Authorization) and 4863 (Cardholder does not recognize — potential fraud). Proprietary. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. 4: Other Fraud — Card Absent Environment: 10. MasterCard: Reason Code 4859 Services not rendered. It. Documentation must be a direct result of cardholder communication. compliance process depending on whether a chargeback right exists. Mastercard chargeback reason code 4860: Credit Not Processed covers situations where the cardholder claims they are due a credit, but believes the merchant did not provide it. Chargeback codes Chargeback codes Last updated: August 16, 2023 Below you'll find a list of chargeback codes along with an explanation of what each one. Cardholder Dispute - Not Elsewhere Classified (U. 4863 Cardholder does not recognize - potential fraud (US Only) 4870 Chip Liability Shift; 4871 Chip/PIN Liability Shift;for chargeback reason code 4863 (Cardholder Does Not Recognize). 1. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. You’ll put that reason code, the transaction amount and authorization number, and state that the. The chargeback transfers funds from the acquirer to the issuer. There some exceptions to this however,. Documentation must be a direct result of cardholder communication. Visa Chargeback Codes: 30: Services not provided or Merchandise not received : 41: Cancelled recurring transaction : 53:. The issuer submitted more than 15 chargebacks in aggregate involving the same account (as defined above) for message reason codes 4837, 4840, 4870, or 4871. ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. S. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. M49 Vehicle Rental – Theft or Loss of Use. Dispute Category. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. When you receive a chargeback request, respond promptly with any relevant information or evidence that supports your case. The reason code used to describe the dispute will determine the chargeback time limit. 4863: Cardholder Does Not Recognize—Potential Fraud: Cancelled products. chargebacks with reason codes “4837-No Cardholder Authorization” or “4863-Cardholder Does Not Recognize-Potential Fraud. To dispute this type of chargeback, you need to provide the following: Evidence that:. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. Chip Liability Shift. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. 4841 Canceled Recurring or Digital Goods Transactions. Others require banks to wait for a certain period before they can issue a chargeback. reason: Provide more context on the chargeback. 2: EMV Liability Shift Non-counterfeit Fraud: 10. Each chargeback received a numeric code which is known as the “reason code”. Fraud-related Chargebacks • FNS Counter Exceeds 25 Fraud-Related Chargebacks. For more information on reason codes, see Chargeback Guidelines. Mastercard limits issuers’ chargeback rights for Reason Code 4863–Cardholder Does Not Recognize. Ethoca Eliminator is integrated into. They may have returned an item, for example, or perhaps were billed for a service. Each code corresponds to an issue or problem. 4: 4863 A reason code or a chargeback reason code is a string of symbols (numbers and letters). If the chargeback or fraud level is not reduced, then you might be subjected to fines or lose the ability to process credit card payments entirely. Removed 6. 4:. Discover is a credit card network and an issuing bank—just like American Express. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. 2022 Visa Chargeback Reason Codes. 4807 – Warning Bulletin File. High Level Visa Chargeback Dispute Flow. Added the following fields - Store ID, Credit Card Chargeback Reason Code. As per the Chargeback Guide, the UCAF indicators must be the values from 211 to 915. Reason Code. or order no. This chargeback will include a description that provides additional information: Digital Goods $25 or Less. In this case, the customer files for the pre-compliance chargeback (aka reason code 98). Ready to Start Preventing. Magnetic Stripe POS Fraud MASTERCARD 4863 Cardholder does not Request for NO YES recognize- Possible Fraud Information MASTERCARD 4903 Documentation received was Other YES YES invalid/incomplete MASTERCARD 4905 Invalid Acq Ref Data on Other NO YES Second. Based on the information provided, Paymentology will investigate the transaction being disputed. This means providing evidence that will undermine the cardholder’s claim. Proof the transaction occurred prior to the card’s expiration date. Below is a list of Mastercard chargeback codes used in eCommerce. 13 Example 13—Message Reason Code 4863—Cardholder Does Not RecognizeM10 Vehicle Rental – Capital Damages. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. The full removal of the functionality is planned for April The idea is that merchants and issuers can 2021. Documentation must be a direct result of cardholder communication. Batch chargeback process. Wenn Sie informiert werden, dass ein Chargeback vorliegt, heißt dies, dass die Transaktion vom Karteninhaber storniert wurde. Proof that a positive response was obtained. These may impact the dispute time limits. Code 4863: Cardholder Does Not Recognize - Potential Fraud. The card not present chargeback come in as codes 10. Solutions available. Message reason code 4863 first chargebacks will be included in the FNS count once the FNS fraud chargeback count is two or greater. Dispute Best Practices Guide Overview This guide includes: An overview of authorization and transaction processing An overview of retrievals and chargebacks Reason code guidelines for all. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. An issuer must not submit a chargeback using this. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. Mastercard is reducing the chargeback filing time frame specifically for issuers from 120 to 90 days, in cases involving Mastercard chargeback reason code 4834 (Point of Interaction Error). Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. region only) 4855. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. Documentation must be a direct result of cardholder communication. Cardholder dispute. The MasterCard SecureCode global liability shift prevents Issuers from initiating chargebacks based on reason code 4837 and 4863 when: enrolled. R13 No Reply. EFM identifies MIDs exceeding defined and established. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. Documentation must be a direct result of cardholder communication. Mastercard. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. Also, remember that the time frame for your response includes any processing required by the acquirer. Once filed, the merchant generally has 20. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. Nachstehend haben wir für Sie die häufigsten Ursachen mit ihren sogenannten Reason Codes aufgelistet. reason code information. A chargeback is a transaction that is disputed by a cardholder or issuer. Chargeback-Verfahren. The total amount of fraudulent chargebacks in USD, calculated by using dispute reason codes (reason code 4837 and 4863). Chargeback Rate (fraud Reason code only) Fraud Chargeback Amount 3DS Mastercard payment; Excessive: Minimum of 1,000 e-commerce Mastercard payments: 0. Specifically for gaming merchants – If you can provide. Dispute status change event. 4 (Visa), 4387 (MasterCard), F29 (AmEx) and UA02 (Discover). This may be done by either the merchant or the issuing bank. 2465. Chip/Pin Liability Shift. 4 Fraud – Card-Absent Environment. 4863: Cardholder Does Not Recognize – Potential Fraud 4831: Transaction amounts differ 4853: Cardholder disputeChargeback reason codes. 4863 – Cardholder Does Not Recognize – Potential Fraud. MDR removed some reason codes completely, including code 4863 – Cardholder Does Not Recognize. 4863 (63) (MasterCard) Cardholder does not recognize: Fraudulent (Stripe/Shopify Payments) Card-not-present fraudThere are set rules in place for Discover to streamline transaction disputes and chargeback disputes: Customers have 120 days to dispute a transaction. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. MasterCard reason code 4863, and Discover reason. Encrypt transmission of cardholder data. 4871: Chip Liability Shift - Lost/Stolen/Never Received Issue (NRI) Fraud:Mastercard only counts card-not-present, eCommerce transactions for which a chargeback is filed using reason code 4837 (“No Cardholder Authorization”). MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. 6. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. 4807 – Warning Bulletin File. Bhimrao Ambedkar Mahavidyalaya. 4807: Warning Bulletin File. For more details feel free to contact Chargeback Expertz at +1 855-465-4723and get. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. 4863: Cardholder not recognized. For example, 10. Chargebacks—Maestro POS Transactions—added information to the section, Proper Use of Intra-European Message Reason Code 4808, about theThere exist 151 chargeback reason codes across 4 major card networks. Discover Chargebacks / Disputes. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Phase 3. FRAUD 101. Ethoca Eliminator is integrated into the Mastercom system. Values are: Blank: Use the receipt G/L date. ) A no-nonsense summary of evidence that proves transaction is legit. Documentation must be a direct result of cardholder communication. MASTERCARD 4863 Cardholder does not recognize- Possible Fraud Request for Information NO YES MASTERCARD 4903 Documentation received was invalid/incomplete Other YES YES. Also, just like American Express, Discover functions as both a card network and an. Be transparent about your products. 10. She tries to reach to the merchant but is unable to due to lack of descriptor, so she decides to put a dispute on the account under the Reason Code 4863: Cardholder doesn’t Recognize- Potential Fraud. 3. Among some of the most common Visa chargeback reason codes are Fraudulent Processing of Transactions (Reason Code 4837), Invalid Data (Reason Code 4775), Credit Not Processed (Reason Code 4834), and Goods/Services Not Provided (Reason Code 4863). You can learn more about each one by visiting the Mastercard Chargeback Guide. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. Visa Chargeback Reason Codes. region only) 4855. Having heard from her, the bank decides to put a chargeback on the merchant under the Reason Code 4863: Cardholder doesn’t Recognize- Potential Fraud. 13 Example 13—Message Reason Code 4863—Cardholder Does Not RecognizeChargeback reason codes; Chargeback Reason Codes. The documentation must be a direct result of communication with the cardholder. Visa – 10. Expedited Dispute Resolution forms will not be allowed. Some credit card companies also include a short phrase describing the code and chargeback. 4807 – Warning Bulletin File. 3 Fraud – Card-Present Environment. Always use the correct cardholder verification method—signature, PIN, etc. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. This ranges anywhere from roughly 60 to 90 days after purchase. 4853 Cardholder Dispute. 4863: Request for Information: Cardholder does not recognize - Possible Fraud: 4903: Other: Documentation received was invalid/incomplete: 4905:About American Express chargeback reason codes. To dispute this type of chargeback, you need to provide the following: Evidence that:. May 2011: 5. Phase 4. Top chargeback reason codes Mastercard reason code. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. An issuer must not submit a chargeback using this message reason code for any of from FRAUD 101 at Dr. Only use EMV-compliant terminals. Cardholder Disputes. The cardholder claims not to recognize a card-not-present transaction. Hi Evan, I believe the reason that UCAF transactions are proceeding to RC 4863 is because of this When rule in the RCA path. There are several scenarios where a customer may reasonably expect a payment reversal. Multiple Authorization Requests. Click on “report a problem” and select the transaction in question. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. Already, TrustPay automatically represents all invalid chargebacks. Trust & Safety University; Library. Nearly 40% have seen call-center volumes jump 25 to 50%. Chargebacks can be a costly part of accepting card payments and entail administrative. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized face-to-face. STAR Chargeback Reason Codes; Visa Chargeback Reason Codes; Network Limits; Published BIN Files; 🧭 Best Practices. 11/03/15 Updated these MasterCard. List of Chargeback Reason Codes. 4: 4863 related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. UA06 Fraud – Chip and PIN Transaction. 5. Card Type Reason Code Number two: Product Not Received chargebacks. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. Categories For Reason Codes. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. section into chargeback reason code 4808 (Authorization-related Chargeback) as announced in the Global Operations Bulletin No. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. Credit card chargebacks occur when a customer has a chargeback dispute and decides to question a charge on their credit card statement with their Credit Card Company or issuing bank. 10. The cardholder didn’t recognize the non-face-to-face transaction on their statement. These time limits are established to ensure prompt resolution of disputes and prevent unnecessary delays. contract and any other information that will assist cardholder in identifying the transaction, or proof that a credit was processed. Summary of Changes, 13 December 2018Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program”, are excluded from program monitoring. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. WEX began issuing chip cards in Q4, 2020. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and believes that the transaction was fraudulent. Only by researching the disputed transaction and examining the true facts of the situation can you tell whether a chargeback is legitimate or not. Let’s say you got a Visa chargeback with reason code 13. 5%: Net fraud volume is greater than 50,000 USD: 10% of total Mastercard payment count (non-regulated countries) 50% of total Mastercard payment count (regulated countries)Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. 4863: Cardholder Does Not Recognize—Potential Fraud: None: Fraud: 4870: Chip Liability Shift: None: Fraud: 4871: Chip/PIN Liability Shift: None: Fraud. When that happens, the issuing bank will gather evidence from the customer and assign a reason code to the chargeback based on the card issuer. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. Authorization. Cancelled Recurring Transaction. 4854. Code 4807: Fraudulent Card-Present Transaction. Mastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. While chargebacks happen for a variety of reasons , the most common reason is that a customer no longer wants the service or product sold to them. Get your complete guide to Discover reason codes, including all the detailed information, chargeback time limits, and other important information you need. Set forth below are the sole chargeback reason codes pursuant to which you may be eligible for Chargeback Protection, subject to all of the terms and conditions contained herein. Dispute Best Practices Guide Overview This guide includes: An overview of authorization and transaction processing An overview of retrievals and chargebacks Reason code guidelines for all. Lack of proper chargeback reason codes. Each credit card brand has different codes. 4863: Cardholder Does Not Recognize Point-of-Interaction errors: 4834: Cardholder Debited More than Once for the Same Goods or Services 4808:. The issuer submitted more than 15 chargebacks in aggregate involving the same account (as defined above) for message reason codes 4837, 4840, 4870, or 4871. This code collects all the. 4:.