Appendix A: Chargeback Reason Codes

Mastercard Chargeback Reason Codes

The table below is provided for reference only and details are subject to change. For the latest reason codes, search for the Mastercard Chargeback Guide on the Mastercard Technical Resource Center (TRC).

Code	Description
4515	Cardholder denies.
4522	Authorisation declined.
4801	Requested transaction data not received.
4802	Requested item illegible or missing.
4807	Warning bulletin.
4808	Requested/required authorization not obtained.
4809	Transaction Not Reconciled (European-acquired transactions only)
4812	Account number was not on file.
4831	Transaction amount differs.
4834	Duplicate processing.
4837	Fraudulent transaction; no cardholder authorization.
4840	Fraudulent processing of transaction.
4841	Cancelled recurring transaction.
4842	Late presentment.
4846	Correct transaction currency code was not provided.
4849	Questionable card acceptor activity.
4850	Instalment Transaction Dispute.
4853	Cardholder Dispute Defective/Not as Described.
4854	Cardholder dispute not elsewhere classified (U.S. only).
4855	Non-receipt of merchandise.
4859	Services not rendered.
4860	Credit not processed.
4863	Cardholder does not recognize— Potential fraud.
4870	Chip Liability Shift. Valid for all intraregional transactions (except for excluded regions)
4871	Chip/PIN Liability Shift. (Reserved for intra-Europe and intra-Canada)
4890	Identifies a syntax error return.
4900	General; invalid Second Presentment/1240.
4901	Required documentation not received to support prior Second Presentment/1240.
4902	Documentation received was illegible.
4903	Scanning error– unrelated documents or partial scan.
4905	Invalid Acquirer Reference Data in Second Presentment/1240; no documentation required or provided.
4906	Missing documentation is being supplied.
4907	Other than required/requested documentation provided.
4908	Invalid Acquirer Reference Data in Second Presentment/1240; documentation was received.
4999	Domestic Chargeback Dispute Reserved for intra-European and inter-European use.

Visa Chargeback Reason Codes

The table below is provided for reference only and details are subject to change. For the latest reason codes, always refer to the Visa Chargeback Guide.

Code	Description
10. Fraud
10.1	EMV Liability Shift, Counterfeit Fraud.
10.2	EMV Liability Shift, Non-Counterfeit Fraud.
10.3	Other Fraud, Card-Present Environment.
10.4	Other Fraud, Card-Absent Environment.
10.5	Visa Fraud Monitoring Program.
11. Authorisation
11.1	Card Recovery Bulletin.
11.2	Declined Authorization.
11.3	No Authorization.
12. Processing Errors
12.1	Late Presentment
12.2	Incorrect Transaction Code
12.3	Incorrect Currency
12.4	Incorrect Transaction Account Number
12.5	Incorrect Transaction Amount
12.6	Duplicate Processing or Paid by Other Means
12.7	Invalid Data
13. Consumer Disputes
13.1	Services Not Provided or Merchandise Not Received
13.2	Cancelled Recurring Transaction
13.3	Not as Described or Defective Merchandise/Services
13.4	Counterfeit Merchandise
13.5	Misrepresentation of the purchased good and/or service
13.6	Credit Not Processed
13.7	Cancelled Merchandise/Services
13.8	Original Credit Transaction Not Accepted
13.9	Non-Receipt of Cash or Load Transaction Value at ATM