1. Reason Code 02: Common Point of Purchase: Account data is stolen from the card-present merchant and used with other merchants: Reason Code 03: Laundering: The merchant processed transactions that did not involve a bona fide cardholder: Reason Code 04: Excessive Chargebacks: The merchant breached predetermined chargeback thresholds: Reason Code. Type. The Complete Chargeback Reason Codes List Visa Discover Mastercard American Express How to Use Chargeback Reason Codes 5 Things Merchants Should Understand About Chargeback. Transaction Amount: Decimal 0. Chargebacks explained. Previously, Visa expected the disputing member to start the dispute by filing a pre-compliance chargeback under reason code 98 (now obsolete). It covers topics such as chargeback rights, time frames, reason codes, arbitration and compliance. Resources. 20The cardholder files a chargeback via their bank. Other Fraud-Card Absent Environment, No Cardholder Authorization, Card Not Present Fraud, Cardholder Does Not Recognize - Potential Fraud, Disputed Transactions (Reason Code-45),. Each card company has its own set of codes that indicate the specific reason that a cardholder initiated a dispute. Charge-back Reason Codes VISA ® 10. Chargeback. There are several types of Mastercard chargeback reason codes, each with its own unique set of circumstances. M49 Vehicle Rental – Theft or Loss of Use. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. The claim often, but not always, involves automated teller machines (ATMs). The client can send Paymentology a list of disputes, using a predefined batch chargeback submission template that has been requested to chargeback. Thus, the easiest way to prevent chargeback reason code 75 from being filed is. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. The reason codes are grouped into several broad. There are over 50 chargeback reason codes between all the major card brands. Blog. R34: LIMITED PARTICIPATION DFI: The RDFI’s participation has been limited by a federal or state. Reason Code 04: Excessive Chargebacks: The merchant breached predetermined chargeback thresholds. Stripe maps each network code into one of eight categories, based on the general claim and the evidence you need to submit to effectively challenge that type of claim. S. AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. 2. 5 – Misrepresentation. reason code information. The reason code specifies why the chargeback was initiated. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Also, remember that the time frame for your response includes any processing required by the acquirer. The aim here was to streamline the list of reason codes, and make it. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. The merchant can choose whether or not the reason makes sense and. Retry after 8 days. When filing a chargeback,. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. MasterCard uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and. UA01 Fraud – Card Present Transaction. 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. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Customers cannot dispute pending credit card transactions; they have to wait for it to actually post to their account before they can initiate a dispute. Here are the two possible scenarios: 1. The merchant failed to ship the merchandise to the agreed-upon location. For example, a debit may have been processed instead of a credit, or a credit processed instead. You may know that every dispute you receive is attached to a chargeback reason code. And each reason code has unique compelling evidence requirements if you choose to fight. Automated Clearing House return codes, reasons, and details. American Express, Discover (and Diners Club International, which it owns) use a combination of numerals and letters. FR2 Fraud Full Recourse Program. Reason Code 03. UA05 Fraud – Chip Counterfeit Transaction. 3 – Not as Described or Defective Merchandise / Services. It was originally just one facet of legacy reason code 81. 13. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. Maestro. 1 – CBK: EMV Liability Shift Counterfeit Fraud 10. Check the chargeback reason code. Below is a comprehensive list of the most common Mastercard chargeback reason codes and their explanations, along with prevention strategies you can implement to reduce the likelihood of chargebacks. 1 applies when the issuing bank receives the same transaction more than one time. screen . The chargeback transfers funds from the acquirer to the issuer. For the most accurate list of reason codes visit the library on our main website here. Reason codes give merchants information about the cause of a chargeback and what evidence. 7 Violation for Coercion Claim. Incorrect transaction amount or account number. 3: Other Fraud — Card Present Environment: 10. 9 – Non-Receipt of Cash or Load Transaction Value. 2 – CBK: Incorrect Transaction CodeThe chargeback reason code list is a standardized set of codes that are used by credit card companies and banks to categorize the reasons for a chargeback request. Code. The most comprehensive guide to chargeback reason codes. Among the information contained in this package is the chargeback reason code. . 1002 - Cardholder disputes billed amount. You have 21 days to resolve the shopper complaint before it becomes a dispute. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. Every credit card network maintains a list of short alphanumeric codes that identify each valid chargeback reason and the conditions that must be met for them to be granted. Step 3 – The acquiring bank receives the chargeback. 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. When filing a chargeback, the issuing bank chooses a reason code from the list for the applicable card network. 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. 7: Defective goods and services: C32: RM: 13. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. For a list of available reason codes, refer to Dispute reason codes. Region Only) 4855 Goods or Services Not Provided. This reason is made visible to all parties involved. Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable. Download this sample Chargeback Rebuttal Letter. A T-code has the following format: T<event-group><event-type-code> Where: <event-group> is a two-digit general. 5: The chargeback under normal situations should be executed in under 120 days in all religions other than US Domestic. Different card networks have different reason code systems. Reason Code Description More details Action required; MD06 Disputed authorised transaction Your customer has claimed a refund for an authorised transaction (Core scheme only). In some cases, banks must wait a specific amount of time before issuing a chargeback. These codes can. 6). M01 Chargeback Authorization. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. Except for Reason Code 75, the time limit is calculated from one of the following: Fraud chargeback reasons. 11, 16. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. Each reason code is composed of a two-, three-, or four-digit number. Discover: Reason Code 4755 Non-receipt of goods or services. You may have to temporarily disable or lower the risk score for the Card/bank account holder name contains a non-alphabetic character risk check. One of these changes was an overhaul of Visa’s list of chargeback reason codes. Use this guide as a quick resource for Visa chargeback reasons at a. 2 Compliance CasesEach chargeback is assigned a reason code that explains the justification for the chargeback. 4 — other fraud – card-absent environment — asserts the merchant processed a card-absent, card-not-present, or digital payment for a customer who used the. 13. 0. High Level Visa Chargeback Dispute Flow. The same is true of all chargeback reason codes. Each code begins with 'R' followed by a two digit number. For a more detailed explanation, as well as a list of Visa’s individual codes, please refer to our guide on chargeback reason codes. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. Even learning all the terms and rules won’t keep you. Medicare reason codes are 3 digit codes found in processing reports and Medicare benefit statements. May be received up to 8 weeks after settlement. Acquirer Use of Message Reason Code 7623. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. Knowing these categories helps you further understand the chargeback and identify any problems within your payment solution, customer service, and sales processes. The tables in the following subsections list the Chargeback reasons and information related to each Chargeback reason. The following tables show the Stripe categories for each card network’s dispute reason codes. To take advantage of these new advice codes, merchants and their acquirers must learn to recognize the new data values and their meanings and use them. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831 Transaction Amount Differs 4834 Duplicate. Discover is a credit card network and an issuing bank—just like American Express. MasterCard Chargeback Reason Codes. 08. P07 – Late Submission. This chargeback<br />. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. Solution. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. 4 applies to eCommerce, whereas code 10. These codes help businesses understand the cause of chargebacks and how they can prevent them in the future. Case Studies. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 04/09/14 Discover: DC, U02. Check Card A bank card that can be used with a PIN at an ATM or without a PIN at the point of sale, also known as an offline debit card. View the entire list or search for any chargeback reason code. Visa Merchant Official Documentation. Credit not processed for cancelled or returned goods and services 2. © CHARGEBACK REASON CODES Reason. Chargeback Reason Codes. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. Reason Code 07. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. Reason Code 04. Common ACH dispute codes. FR6 Partial Immediate Chargeback Program. Potential chargeback or compliance documentation is required:A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. 4871 – Chip Liability Shift – Lost / Stolen / Never Received Issue. They can also be caused by a merchant failing to process a cancellation promptly. for chargeback reason code 4863 (Cardholder Does Not Recognize). Expired Card: Some people hang on to cards longer than they should. These codes are broken down into five different category. As part of its move to support card-not-present merchants and airlines, Visa made changes to the compelling evidence requirements for four key reason codes: Reason Code 30: Services Not Provided or Merchandise Not Received. ; This chargeback may be reversed by supplying information such as the method and date when the authorization code was obtained or evidence that a credit was issued. 4 Funding Process. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Issuer Review; Allocation. 4871 – Chip Liability Shift – Lost / Stolen / Never Received Issue. The client can define the chargeback reason code. But knowing more about your business, knowing where the gaps could possibly be, and. Every industry is unique and because of this, the list of chargeback reasons can vary from industry to industry. Visa - 13. news & updates. MasterCard and Visa each have their own chargeback codes. Reason code 83 represents a chargeback categorized as. All the old reasons are. ©ACH return codes and explanations for R01 – R33 returns. Chargeback Reason Codes In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Claims Resolution. Mastercard Chargeback Reason Code 73: Duplicate Transaction. This indicates a transaction was processed using a card that Visa listed as stolen or counterfeit. Mastercard gives you 45, and Discover gives you 30. The other member could accept the chargeback or contest it, escalating the dispute to compliance where Visa adjudicates. When a chargeback is filed, a bank selects the code that best fits the reason a chargeback was filed. Company. So the company has more incentive to side with customer during cardholder. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 — Updated Special Notes. With that said, you still need to understand the reason codes with any chargebacks from Amex. Fraudulent Transactions (Codes 4800. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. ”. Each card company has its. #9. The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. This new ruleset expands the list of compelling evidence you can use to help undo an invalid customer. Please contact the issuing bank for a specific reason. As expected, chargeback reason codes exemplified consumer sentiment. 1And if the merchandise was returned for late delivery, the issuer should wait 15 days after the return of the merchandise before filing a chargeback. Published: June 1, 2022. American Express, Discovering, Visa. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. 7 – Cancelled Merchandise / Services. Reference these when rebutting cardholder disputes at your small business. 2 Declined Authorization; 11. To quantify the total cost of fraud, we break down the many losses that accrue along the purchase journey of a fraudulent $100 sale. 2=1020 etc. Again, banks should not really be using 4807. Some credit card companies also include a short phrase describing the code and chargeback. Below is a list of Mastercard chargeback codes used in eCommerce. May 2011: 5. Visa Chargeback Reason Code 13. Fraudulent. What are Amex Reason Codes? Every card network features its own list of chargeback reason codes. The problem continues to grow out of control with each year. About Visa chargeback reason codes. Mastercard Authorization Chargeback Reason Codes What is Visa Reason Code 11. 11/03/15 Updated these MasterCard. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. Good news: Visa is working to improve the chargeback process by altering some of its rules regarding intentional cardholder misuse. We assign the dispute to you for review in your Customer Area > Risk > Disputes, or send you a webhook. Chargeback Reversed. These reason codes are a standardized list of reasons that a customer and/or their bank may file credit card chargebacks. Motive: • Numeric value that represents an explanation of the Dispute than can be viewed on the . Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. R13 No Reply. Card Member cancelled, refused or returned goods and/or. 2. the chargeback reason code, the issuer/acquirer, and the end customer’s buying. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. message. When you receive notification of a payment dispute or chargeback you may see a code listed with it. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. The shorthand description is “Card Recovery Bulletin or Exception File. Services industry for image exchange and the creation of IRDs. Currently, the MCC guidelines are maintained by the International Organization for Standardization. For card-absent transactions, use all Visa tools, including AVS, CVV2, Visa Secure, and more, to reduce instances of fraud. Code Reason; 01: Requested Transaction Data Not Received: 02:AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. Take the time to note the following dispute reason codes for Visa. Visa chargeback reason code 12. Cause. Scenario 1 — upfront chargeback. For the time being, however, merchants should be aware that banks may still use the legacy code. For example, 10. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Compensation Resolution. All of Visa’s existing reason codes were condensed into four key groupings:. We have been leading the charge against chargebacks since 2005, creating a world where merchants can flourish by focusing more on what they do best. Even learning all the terms and rules won’t keep you. Prior to this, Mastercard’s list of reason codes was long, convoluted, and confusing; now there are fewer than ten different reason codes relevant to most merchants. Midigator has created a database of Visa reason codes. NACHA Return Codes. The Late Presentment chargeback rights and language were moved from chargeback reason code 4834 (Point of Interaction Errors) to reason code 4808 (Authorization-Related Chargebacks). P01 – Unassigned Card Number. Chapter 2: Average chargeback rates; Chapter 3: Chargeback Reason Codes Guide; Chapter 4: American Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Reason Codes; Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9:. C08 – Goods / Services Not Received or Only Partially Received. Having a Lax Attitude Toward Industry Rules & Regulations. If you have a check or draft returned, pay close attention to the reason code so you know if you can redeposit the item. 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 can see a reason code 11. But in general, the most common reasons for chargebacks include the following: Fraud:. Solution. Reason codes. reason code information. C. 1st Chargeback. Issuer ACS unavailable - Visa generated CAVV. The bank can then reverse the transaction, deducting the funds from your account and returning them to the cardholder's account. Prior to to, Mastercard’s list of reason colored was long, convoluted, and confusing; currently there been fewer than ten different reason codes relevancy to majority merchants. Learn the details, the cause, how to respond and how to prevent Visa Reason Code 13. F01. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. 1 – EMV Liability Shift Counterfeit Fraud. These codes are currently defined within the ANSI X9. Use this guide as a resource to quickly identify a chargeback reason code from Mastercard. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. A reason code is how banks categorize the reason for a chargeback. 2 Added chapter providing information about the DiscoverA transaction event code is a five-digit code that classifies the transaction type based on money movement and debit or credit. The code replaces Visa’s legacy reason code 41. 2 chargeback if you override a declined, referral, or pickup authorization message, but process the transaction anyway. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Claims Resolution. Partners. View the Medicare reason codes list. Each major credit card company has its own list of chargeback reason codes that describes the chargeback. A Shopify chargeback occurs when a cardholder contacts the bank about. PCI DSS v3. ”. Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment) 2. Now, compliance cases must be submitted through Visa Resolve Online (VROL). Updated the following columns - card type, response due date. Any time. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. Reason codes are very crucial to assist. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Reason Code – 13. 4870 – Chip Liability Shift. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. Chargeback reason code 10. You processed a transaction with the counterfeit card on a terminal that wasn’t EMV-compliant rather than using a chip reading device that would have detected the fraud. Discover Card Chargeback and Dispute Rules. The shorthand description is “Merchandise/Service Not Received. How to. 13. . They make it easier for originating and receiving financial institutions to spot and communicate payment failures. To generate a chargeback, the issuer must submit the First Chargeback / 1442 message with the applicable message reason. You must tailor your representment case — including the compelling evidence — to the reason code under. Midigator has created a database of reason codes. Dispute network reason codes categorization . 2. A number of factors contribute to a high chargeback ratio. “Wardrobing” is the practice of purchasing an item with the intention of returning it once it has been used for a specific purpose. Products. 1 Merchandise/Services Not Received . Mastercard: n/a This chargeback is caused by Authorization. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. Chargeback Reason Code List - U. 1? Visa chargeback reason code 13. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. 8 – Original Credit Transaction Not Accepted. Even if the chargeback is later canceled, the merchant will still have to pay fees and administrative costs. [1] Sift. Solution. 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. 1: Card Recovery Bulletin:This standard provides the financial industry with a list of Return Reason codes that are used by the Financial Services industry for image exchange and the creation of IRDs. In the case of reason code 11. Every merchant on the MATCH list is assigned a reason code that explains why they’re on it: 01 Account Data Compromise; 02 Common Point of Purchase; 03 Laundering; 04 Excessive Chargebacks; 05. The major card networks have unique reason code systems, and banks use separate tools. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). Additionally, one clearing transaction. Resources. Chargeback Reason Codes Page 3 of 5. Chargebacks can be caused by several factors, such as processing errors, fraud, customer dissatisfaction, and merchant errors . Chargeback reason code 13. 4859 Addendum, No-show, or ATM Dispute. Thanks for following the Chargeback Gurus blog. The chargeback process can last from one month to six months. For enterprises with tight margins. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. The chargeback debit usually occurs a few days after you receive the NoC. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. Chargeback Reason Code List - U. What are Amex Reason Codes? Every card network features its own list of chargeback reason codes. Code 10. 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 validCardholder can dispute transaction up until Day 90 for reason code 4808 on MasterCard (see Appendix for details), Day 60 for reason codes 4801 and 4802 (see Appendix for details). Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. 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. If you’re using the Online Dispute Management System, you will find the dispute reason codes on both the Level 1 and 2 screens. Defense documents should only be supplied if all requirements have been met. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. The codes also appear on financial reporting associated with disputes. What are Merchant Category Codes? A Merchant Category Code is a four-digit number that identifies the type of products or services the merchant provides. Visa groups its various reason codes into several broad dispute categories. What is Visa chargeback reason code 11. It should address the Reason Code and allow us a ‘Re-presentment’ right. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. Reason code 12. Visa chargeback reason codes. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card. You can learn more about each one by visiting the Mastercard Chargeback Guide. Multiple Authorization Requests. The chargeback reason code is important in determining the evidence you need to provide to successfully win the chargeback dispute. This reason code is accompanied by a fraudulent reason code (UA). 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. 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. If they accept, this is the final status. It is a valuable resource for anyone involved in the payments industry. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. The Online Chargeback Management guide (PDF) is to help merchants input debit adjustments. Learn more about Mastercard chargeback reason. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12,.