To speed up dispute resolution, Mastercard will reduce the time frame to file a chargeback for reason code 4834 (Point of Interaction Error) from 120 days to 90 days, starting from the transaction date. New Visa CE 3. R13 No Reply. Each card network maintains reason codes to cover all the disputes that qualify for. Wael Alkathiri. The implication is that the merchant is at fault. MASTERCARD 4840 Fraudulent Processing of Transactions Fraud NO YES MASTERCARD 4841 Canceled Recurring. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. Consumer. 4870 . Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRRA chargeback happens when a customer asks their card-issuing bank to reverse a transaction. Category. Protect stored cardholder data. Depending on the reason code, chargeback disputes may have different time limits. According to Nilson, 56% of global card transactions were done on Visa in 2015. There are several reasons why many merchants turn a blind eye to suspected return fraud. 1 at VISA for non-delivery of the good or service, code 4840 at Mastercard for a fraudulent transaction. Your chargeback response must include at least one of the following items: Proof the transaction was authorized and the valid card was not an EMV chip card. In the manufacturing environment, for example, if the production operator skips an operation activity, the supervisor may need to know the reason for this decision. According to our research, friendly fraud will represent six out of every ten chargebacks. 4808. Say Goodbye to Chargeback Fraud with Our Ultimate Prevention Guide. You can check on the status of your dispute by following these steps: Login to your Chime mobile app. 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. If your issuing bank agrees with your claim, they will contact the merchant’s bank to notify them of the disputed charge. The chargeback can be for the total transaction amount or a lesser amount. Criminal Fraud. 4870 – Chip Liability Shift. Tap “View Details. 4 spec (Section 8. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. June 19, 2023. We’ve listed the most common reason codes below. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. A chargeback happens when a customer requests for a transaction to be reversed. The chargeback process is lengthy, time-consuming, and will always end up costing you more money than the original transaction was worth. November 5, 2023. 4863. 4849 – Questionable Merchant Activity. The most popular type of disputes of the chargeback category. Check the chargeback reason code. Not only do you need to know how long the timeline is, but you also need to know when the clock starts. . 4 Funding Process. There are 151 chargeback reason codes across the four. But cardholders and merchants have different time limits. There are multiple claims such as merchandise is not. For example, Mastercard has a code which indicates a ‘consumer dispute. 4840. 4837 - No Cardholder Authorization 120 Days. That suggests that in the times when merchants. ”. Each bank card network has its owner list of reason codes banks must prefer from. Example 2: Mastercard Reason Code 4840 - Fraudulent Processing Of Transactions For this reason code, the cardholder claims to have authorized one card-present transaction with a merchant, but is disputing one or more additional transactions conducted in the next 15 minutes, claiming that they were not authorized. Global Security Bulletin No. The most comprehensive guide to chargeback reason codes. underlying your chargeback. RG Non-Receipt of Goods, Services, or Cash. It occurs when the merchant intentionally tries to process fraudulent transactions or if they failed to void multiple transactions. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. Mastercard chargeback reason code 4842 falls under the “Point-of-Interaction Error” category. Which is meant to know the reason for the dispute. The most comprehensive guide to chargeback reason codes. Top chargeback reason codes: Visa Allocation reason code. 4840 Fraudulent Processing of Transactions: 10. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. • Removed reason code 4840 (Fraudulent Processing of Transactions) Chapter 1—General Information > Rights and Obligations Chapter 2—Dual Message System Chargebacks > Authorization-related Chargeback > Second Presentment > Credit Previously Issued Chapter 2—Dual Message System Chargebacks > Cardholder Dispute Chargeback > Second 4853 – Cardholder Dispute – Credit Not Processed. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other. DD: Unearned (disallowed) discount amount. There may be exceptions in some cases, so it is always best to check with your specific card issuer to be sure. . Chargebacks with the following reason codes are requested due to fraudulent activity. Now, compliance cases must be submitted through Visa Resolve Online (VROL). American Express . As part of its processing structure, Mastercard categorizes chargebacks into four main categories:. Additionally, one clearing transaction. sweetson joseph. 7 Updated format All 1. 4846: Incorrect Currency Code. 10. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. Time Limit Framework for Chargeback Reason Codes. Code: Category: Description: 10. For some merchants, foreign currency transactions are rare. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. 5, 16 May 2016. 4840: Fraudulent Processing of Transactions: No Cardholder Authorisation/ Fraud: 4849:. Take the time to note the following dispute reason codes for Visa. 4853. The issuing bank will then pass on the chargeback to the merchant. Braintree Support Articles. 1 The time limit for issuers to instigate a first chargeback are calculated based off the Central Site Business Date (the processing date of the first presentment) and are usually 60, 90, or 120 days in duration. Always submit an authorization request, no matter the transaction amount. Merchants. Summary of Changes, 10 May 2016. ) A no-nonsense summary of evidence that proves transaction is legit. Specify the default reason code to. 1: Use the corresponding dates from the invoice. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. Chargeback Reversed. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. . Chargeback rights for reason code 4840 (Fraudulent Processing of Transactions) will be eliminated and invalid. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. A reason code is an alphanumeric code that explains the reason behind the dispute. Description: Reason code for applying handling fee. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. 3: Goods or services were not received: C08: RG: 4855: 13. The cardholder may be the customer or the someone who lent their card to a friend or relative. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. 2=1020 etc. 1 with Visa for non-delivery of a good or service, code 4840 with Mastercard for a fraudulent transaction. With this reason code, the cardholder is claiming that an incorrect installment billing transaction was charged to their account. The first thing you should do when you receive a chargeback notification is to check the reason code that the card issuer assigns to the dispute. It is important to note that these are the general time limits. 45 days. Billion money Fx. Conexxus_EmployeeSecurityTraining. Mastercard uses a four-digit numbering scheme for its chargeback reason codes. Download our comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. Mastercard. The disputed amount is returned to. 4841. Unfortunately, the final decision in such cases comes down to the issuing bank, and not. The shorthand description is “Late Presentment. The good news is that most of these invalid claims are disputable by the merchant. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. MasterCard Reason Code 4870 is a significant concern for merchants who accept credit card payments. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. The customer regrets their purchase. 4840: Fraudulent Processing of Transactions 4849: Questionable Merchant Activity 4863: Cardholder Does Not Recognize – Potential Fraud 4831: Transaction amounts differ 4853: Cardholder dispute 4841: Canceled Recurring or Digital Goods TransactionsWe’ve listed the most common reason codes below. 10. Mastercard_Chargeback_Reason_Code_4837. 4840 Fraudulent processing of transaction. It can also be caused by a customer forgetting that they made multiple purchases. 4840 - Fraudulent Processing of Transactions:Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. MasterCard’s Corporate Purchasing Department Account Program does not have rights for the following message reason codes: 4835 — Card Not Valid or Expired. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. MasterCard time limits vary depending on the applicable reason code. Spot these types of chargebacks using the below reason codes. 8 Added American Express chargeback information Chapter 3 1. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. Multiple Authorization Requests. The time limit for issuers to instigate a first chargeback are calculated based off the Central Site Business Date (the processing date of the first presentment) and are usually 60, 90, or 120 days in duration. Instead, ask for a different form of payment. Visa Chargeback Reason Codes. This can be transaction receipts, proof of. We see this as just one of the ways Mastercard is working. 4840: Fraudulent Processing of Transactions: 4847: Exceeds Floor Limit, Not Authorised: 4849: Questionable Merchant Activity: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. Case Studies. This chargeback will include a description that provides additional information: Digital Goods $25 or Less. resolved via the chargeback management process and within timeframes. But, merchants should be aware that, eventually, everyone will be required to use the new designations. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. Cardholder does not recognise. 1 and Note on page 14 Chapters 1 and 2 Chapter 1Here are some steps you can take to handle chargeback requests: 1. M49 Vehicle Rental – Theft or Loss of Use. The incorrect amount being charged. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. Chargeback Reason Code. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. This period starts from the day the transaction was initiated and completes on the last day of the 120th day from then. Each card scheme has its own time limits for chargeback disputes, which can range from 60 to 120 days from the transaction date. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. “It’s a lot tougher with Mastercard because they only use four main codes. [noun]/* kə • stə • mər • di • spyo͞ot/. 1: Fraud (10) EMV Liability Shift Counterfeit Fraud: 10. Chargeback Reason Codes Page 3 of 5. The chargeback process can last from one month to six months. 4837 - No Cardholder Authorization 120 Days. com Time Frames by Chargeback Type and Reason Code. 4840 – Fraudulent Processing of Transactions; 4837 – No Cardholder Authorization; Visa. 4812. FR2 Fraud Full Recourse Program. 4863. The chargeback is initiated under the EMV Liability Shift policy, which holds. Your chargeback response must include at least one of the following items: Proof the transaction was authorized and presented within the allotted time frame. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. 3 No Authorization. 4840 - Fraudulent Processing of Transactions. 120 Days. Every chargeback is filed with a reason code that identifies the given reason for the dispute. . 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. Chargeback Guide. For best results, your chargeback win rate should be as close to 100% as possible. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. 2. To submit your chargeback request to your credit card brand, a summary of your claim and a "Reason Code" are required. 4834 - Duplicate Processing. A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. That suggests that in the times when merchants. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. TC40 and SAFE data also isn’t always reported before a chargeback is filed. The Reason Code is a number that represents the reason for an action in the chargeback process. What are the odds a merchant will “win” the chargeback dispute? The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. Step 1: The cardholder disputes a charge. or order no. You’ll put that reason code, the transaction amount and authorization number, and state that the. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. 4841 - Canceled Recurring Transaction 120 Days. Discover: Reason Code 4755 Non-receipt of goods or services. Khalil Feki. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. What is Visa chargeback reason code 12. Reason Code 4840 Category Fraud Claim The cardholder acknowledges they authorized a transaction at a specific location but denies knowledge of other extra transactions at the. Also, just like American Express, Discover functions as both a card network and an. Managing Reason Codes. 45 days. Products. 4863 – Cardholder Does Not Recognize/Potential Fraud. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. June 13, 2023. Chargeback /Dispute; Merchant Response. 2 Compliance CasesMasterCard 4840 Fraudulent Processing of Transactions<br /> MasterCard 4841 Cancelled Recurring Transaction<br /> MasterCard 4842 Late Presentment<br />. 4840: Fraud: Fraudulent Processing of Transactions: 4841: Cancelled/Returned by Cardholder: Canceled Recurring Transaction: 4842: Processing. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Specify the invoice date and net due date to assign to chargebacks. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. First Name (*). Then it chooses the most applicable code for a. This chargeback is more commonly initiated. 4840 – Fraudulent Processing of Transactions. 0 initiative to update compelling evidence requirements for dispute reason code 10. Chargeback Reason Code . Verify use based on cardholder documentation, status of card and transaction type. In the case of friendly fraud, that reason could be completely invalid and. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. A cardholder had control of their card and made a legitimate transaction and subsequent (disputed) transactions were made within 15 minutes. Discover, Diners Club, JCB: UA01 Fraud Card Not Present. There are over 80 unique return codes, each representing a different return type. If you have general, cookie-cutter standards, you’ll. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. Related Papers. MasterCard: Reason Code 4859 Services not rendered. 4840: Fraudulent Processing of Transactions: 120 days: 4842:. Reason Code. ; Help Center Find answers to common questions about Midigator’s technology,. Every chargeback comes with a reason code. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. When any Chargeback occurs, that will be identified by specific code. Most commonly the payer is a consumer. Regardless, merchants must respond to the given reason code. Anyone filing a chargeback request should know this, as transactions outside this period’s bounds cannot be reversed via chargeback. Reason Codes Category 4: Processing Errors. Once you know why a chargeback happened, you can start building a case to address the claims that were made. Bank of America issues both Mastercard- and Visa-branded cards, so the exact requirements may vary depending on the Mastercard reason code or Visa reason code . A major reason is that TC40 reports do not account for delivery failures or product quality disputes. Code. 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. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. . A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. . 4842. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. Code. The card networks will often spell out exactly what evidence you need to successfully represent a chargeback. As we touched on earlier, chargebacks can happen due to technical errors. Each code corresponds to an issue or problem. We’ve all been there as an eCommerce owner: you excitedly ship out a $1,500 order to a customer, and then a few weeks later you’re notified that the customer has opened a chargeback dispute. The dispute must be one of the following types of reason codes (as identified by the relevant Card Network) listed in. Type. This code collects all the. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. For more information on these and other updates, check out our complete chargeback reason code guide. Look below the surface. Arbitration Chargeback/1442 Message - MasterCard. Here’s how. Having a Lax Attitude Toward Industry Rules & Regulations. applying to the protection of personal data. 4834 - Duplicate Processing. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Reason codes are important to help merchants address recurring. 1 Quick Reference Lead. 4831 - Transaction Amount Differs. Overview of Chargeback Reason Codes : Each transaction or deal has a unique receipt no. Examples: code 13. June 26, 2023. 4831 - Transaction Amount Differs. 4837 — No Cardholder Authorization. Choose the representment amount. MasterCard time limits vary depending on the applicable reason code. Discover: Reason Code 4755 Non-receipt of goods or services. Unauthorized returns (R05, R07, R10, R29, R51): 0. Updated Disputes/Chargeback Policy Coming April 20242. Even though these codes are not detailed enough, they are crucial when it comes to successfully preventing and fighting chargebacks. Visa chargeback reason codes. Chargeback Reason Code. 4840 Fraudulent processing of transaction; 4841 Canceled recurring transaction; 4842 Late presentation; 4846 Correct. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. To avoid this, issuers can identify their chip cards using the Service Code field with a first byte value of 2 or 6. The time limit for issuers to instigate a first chargeback are calculated based off the Central Site Business Date (the processing date of the first presentment) and are usually 60, 90, or 120 days in duration. To obtain additional information, the issuing bank sends a retrieval request to the merchant’s bank. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. 4846: Correct. Fraudulent processing of transaction. 7: Defective goods and services: C32: RM: 13. Values are: Blank: Use the receipt G/L date. . No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. 4840: Fraudulent Processing of Transactions. These codes fit into four categories:. Documentation must be a direct result of cardholder communication. Proof that the. The shorthand description is “Late Presentment. Reason Codes: 22 / 23 / 32 / 35. It depends on the chargeback reason code associated with the dispute. How you respond is determined by the chargeback reason code: Embed This Graphic. Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. Codes are not often shared between issuers which means it can be difficult to remember the details of each. Code: Category: Description: 10. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. #9. 4863 – Cardholder Does Not Recognize 7 Best Practices in Chargeback Mitigation Purchase Experience Checklist Hidden Costs of Chargebacks Chargeback Solution Buying Guide How to Win Chargebacks at Scale Buy Now Pay Later's Chargeback Problem Taking a "Bite" out of Friendly Fraud The Link Between Supply Chain Disruption and Fraud Reason Code Directory Reason Code Number. 4840: Fraudulent Processing of Transactions. 90 Days. Attachment A: Copy of the customer's transaction on xx/xx/xxxx using a credit card ending in XXXX. Description. 4840 – Fraudulent Processing of Transactions; 4837 – No Cardholder Authorization; Visa. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. For details on how to receive notifications of chargebacks, accept or dispute them, and submit evidence to. 4853 – Cardholder Dispute – Credit Posted as a Purchase. These numeric codes are varied by card network, but serve the same purpose. 10. Chargeback time limits vary depending on the reason for the dispute. Chargeback Reason Codes Reason code are the first key to understanding the root causes . Mastercard_Chargeback_Reason_Code_4837. It gets worse. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. What is Billing Descriptors and What They Mean for Your Bill. Different card networks have different reason code systems. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how to prevent disputes in the future. 1 falls under the “Processing Errors” category. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. Your issuing bank will often give you a provisional credit for the disputed amount, and the dispute will progress from there. We also included the reason code descriptions and an indication of when the allowable time frame begins. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. Additional future changes: Tentatively effective between July 12,. Date Option. 00: The amount of the transaction. With the chargeback code in hand, the merchant can now review the transaction. 3. 4 Chargeback Reason Code List. This provided a number of insights into the typical. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. pdfOverview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed section numbers, reorganized sections to focus on chargeback reasonsOther Ineligible Transactions Under Reason Code 62, Condition 2 . The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. 4840 — Fraudulent Processing of Transactions. Updated the Questionable Merchant Activity chargeback with claims of coercion. Spot these types of chargebacks using the below reason codes. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. Most reason codes apply to any merchant, regardless of what’s being sold. In other words: if you want to prevent forking over more revenue in the end due to chargeback fees, a simple, easy refund policy is the right way to go. It is a chargeback that occurs when a cardholder disputes a transaction and alleges that the merchant failed to use EMV-compliant equipment to process the payment. Each chargeback comes with a code that designates the reason it was filed. Please see the below “cheat sheet” for the new 4 byte reason codes. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. 1 = EMV-Liability Shift counterfeit. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. You will be given several days to file an objection with the right documentation. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Reason Code Description External Category; 108: The remitter account is debited but the beneficiary account was not credited: Chargeback Raise: 109: The remitter bank customer still disputes that the beneficiary account is not credited: Pre-arbitration Raise: 121: TCC has been raised but the customer still complaining that Beneficiary a/c is. 4837 — No Cardholder Authorization. Each chargeback needs to be managed on a case-by-case basis. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. Code: Category: Description: 10. These may impact the dispute time limits. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. reason codes. . Both EFM and ECM measure compliance at the MID level. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. ”. chargeback rules and bring the process into the 21st Century. Most reason codes apply to any merchant, regardless of what’s being sold. 4837 Fraud related chargeback (Reason codes 4840, 4849 and 4863 will eventually be eliminated) 4837: Fraud related chargebacks: Proof of card presence (pin, signature, valid imprint). This list was generated 5/4/2022. Technical.