1. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. The reason codes are grouped into several broad. A chargeback report is a periodic report that compiles key chargeback stats to track trends and identify correlations between disputes and other business data. Here are the most common: Fraud: When a purchase was made on a credit card without the authorization or consent of the cardholder. What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. 5%. But, it could be up to 540 days, in some situations. For U. Spot these types of chargebacks using. 3. A new 4 byte reason code will be used moving forward. Visa uses Reason Code 74 and its MasterCard’s equivalent is 4842. e above 0. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. These reason codes. A family member used the card without the primary cardholder's knowledge. Having a Lax Attitude Toward Industry Rules & Regulations. 2. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. Batch chargeback process. A chargeback filed due to buyer’s remorse is a prime case. Here are some chargeback reason codes by card type. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. Step #2 | Report the Scam to PayPal. In most cases, you will have 20-45 days in which to respond to a chargeback. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. According to our research, friendly fraud will represent six out of every ten chargebacks filed in North America by 2023. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. 31. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. For merchants at risk of exceeding important chargeback thresholds, this cost is often well worth it. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. If you do perform a key-entered transaction, make a manual imprint of the card. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. 3 is the less common version for card-present transactions. EMV Liability Shift Non-Counterfeit Fraud. ” 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. Steps to Prevention. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. Chargeback Report. Based on the information provided, Paymentology will investigate the transaction being disputed. The chargeback is ordered by the bank that issued the consumer's payment card. High Level Visa Chargeback Dispute Flow. Most commonly the payer is a consumer. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. Less than 20% of merchants noted a slight decline in Visa chargebacks after VCR, while over 55% reported no decline in chargebacks. 3 No Authorization. The cardholder claims they were charged multiple times for a single transaction. If the order was genuinely not as described, then the cardholder has a case. Knowing these codes can help you dispute chargebacks more effectively. If the customer’s story matches. The network hasn't wholly disallowed some old codes. The issuer generates a claim, then transmits it to the merchant’s acquirer, as well as to Visa, as a means of noting all reported fraud incidents tied to the merchant. C04 – Goods / Services Returned or Refused. Reason Code 53 re-presentments must be. Chapter 2 1. Vantage HouseEarly Warning: Reaching a chargeback ratio of 0. 4 applies to eCommerce, whereas code 10. Late Presentment Rules: Mastercard. Clerical In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. We’ll send you a notification, request for relevant information, and temporarily hold the transaction funds. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. 3: Not as Described or Defective Merchandise/Services A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. Here’s a look at the reason codes for the same scenario from the major credit card companies: Visa: Reason Code 30 Services not provided or merchandise not received. Other Fraud—Card Present Environment. A chargeback is the potential outcome of a disputed credit or debit card transaction. com Europe. For best results, your chargeback win rate should be as close to 100% as possible. The charge you submitted did not receive a valid authorization approval code for the amount of the. Step 1: Identify the Source. C28 – Cancelled. Friendly fraud is challenging for merchants because it’s tough to diagnose. Always ask for authorization regardless of the transaction amount. Paymentology will submit the chargeback using the appropriate chargeback reason code. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. 0: Updated report version from 1. 4841 Canceled Recurring or Digital Goods Transactions. 11/03/15 Updated these MasterCard. Scenario 2. The chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. Here are some chargeback reason codes by card type. There are over 80 unique return codes, and each one represents a different type of return. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. The most popular type of disputes of the chargeback category. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. Updated the following columns - card type, response due date. For more information on these and other updates, check out our complete chargeback reason. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. Once filed, the merchant generally has 20. 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. Using the same link provided above, contact PayPal to report the scam. Step 1: The cardholder disputes a charge. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. The chargeback can be for the total transaction amount or a lesser amount. A major reason is that TC40 reports do not account for delivery failures or product quality disputes. There are plenty of reasons as to why this would happen, hence the many. TC40 and SAFE data also isn’t always reported before a chargeback is filed. 1 is the successor to the older reason code 30, which was replaced as part of the Visa Claims Resolution initiative. Reason Description; 4515: C14: Paid through Other Means:Here are the two possible scenarios: 1. The new reason codes follow a format of two digits, a period, then a third digit. As soon as a customer requests a chargeback, their bank will reach out to the business’s bank and give them a heads-up that the chargeback has been requested. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. Merchants. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. 2. The way you manage chargebacks depends on your account setup. Reason codes are important to help merchants address recurring. We’ll send you a notification, request for relevant information, and temporarily hold the transaction funds. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. Reason Code 53: Not as Described or Defective Merchandise. Cancel a timeshare within 12 days of the receipt or contract date. 6: Credit not. 3? Visa chargeback reason code 13. . 9808 info@chargebacks911. Visa Merchant Official Documentation. 2. Updated Visa Reason Codes. Step 2: Find your case. Below is a list of Mastercard chargeback codes used in eCommerce. 3. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. Both Visa and MasterCard use special Reason Codes to designate chargebacks resulting from a late deposit of credit card transactions. By entering your email, you agree to receive marketing emails from Shopify. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. See moreAmerican Express chargeback reason code C14 falls under the “Card Member Disputes” category. Protect stored cardholder data. There are over 80 unique return codes, and each one represents a different type of return. Mastercard: Reason Code 4859 Service not rendered. 2=1020 etc. 0. This chapter covers how to find the real reason for a chargeback – including the three basic causes that are behind every single claim. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. , as a result of a legitimate purchase of the Driving Manual from our online store drivingmanual. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. American Express. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). Under Set Order Status, select None, Refund, or Chargeback. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. WEX began issuing chip cards in Q4, 2020. Chargeback reason codes have changed. The chargeback can be for the total transaction amount or a lesser amount. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. UA05 Fraud – Chip Counterfeit Transaction. Survey data from the 2019 Chargeback Field Report found that 82% of merchants surveyed believed that the Visa Claims Resolution process had “little to no impact on chargeback management. Here’s how your store can prevent and deal with chargebacks. However, the “recruiter” claims the equipment must be bought from a specific source at a provided Zelle address. 2 applies when a cardholder claims that a transaction was actually paid for using an alternate method—not the Visa card in question. A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. Cardholder was charged for a transaction that was paid using an alternate form of payment. Maestro. 6: Duplicate processing/Paid by other means. Also, just like American Express, Discover functions as both a card network and an. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. Receiving a damaged product. 1? Chargeback reason code 11. 101. For example, 10. 65% with at least 75 total disputes. ”. C14 - Paid by Other Means. On that note, below are some vendor missteps that could result in Visa reason code 13. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. All chargebacks start with a customer making a purchase in person, in an app, or online. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. One of three things will happen: The issuer rules in your favor: Your representment case validates the original transaction. chargeback reason codes REASON ODE ENCYCLOPEDIA sift. 4 Other Fraud Card Absent. C08 – Goods / Services Not Received or Only Partially Received. What is the Cost to Diagnose the Code C1214? Labor: 1. Once you submit the documentation to Wave, our Disputes Resolution Team will work on the case, and submit the required information to the bank on your behalf. resolved via the chargeback management process and within timeframes. All reason codes. either cash, by check or another. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. American Express chargeback reason code C42. Download this sample Chargeback Rebuttal Letter. The cost to diagnose the C0114 code is 1. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. 2 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Merchants can find a. without a reason code will be assigned a default code of 1. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Discover: Reason Code 4755 Non-receipts of goods or services. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. United States;. Each card issuer follows their own standards for defining reason type, code and its format. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. About American Express chargeback reason codes. As a merchant, you face the brunt of chargeback losses. It’s even more frustrating if you don’t understand what the chargeback code means. Receive the Chargeback. In the normal chargeback notification process, it can take 2-5 weeks to be notified. 4 Funding Process. R13 No Reply. For a Mastercard late presentment chargeback to be valid, all the following conditions must apply: The cardholder’s account must be permanently closed. Response Cardholders and issuers have 120 days to file a dispute related to. Reason code 13. 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. 4853 – Cardholder Dispute – Credit Not Processed. By entering your email, you agree to receive marketing emails from Shopify. Merchants. 3. In the world of chargebacks, card networks almost always side with cardholders. C14 Paid by Other Means; C18 “No Show” or CARDeposit Canceled; C28 Canceled Recurring Billing;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. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. If you receive a chargeback, it is imperative to review the provided reason code so you can take actionable steps to avoid future chargebacks, especially for the same reason. New Visa CE 3. 2. 1 - Late Presentment. ECM monitors first presentment chargebacks regardless of reason code or transaction type. As we touched on earlier, chargebacks can happen due to technical errors. There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other Chargeback Categories. Reason Code North-America: Canada and United States of America; Reason Code: All other countries;. 02/10/16 Added Debit Chargeback Reason Codes. Some common Visa reason codes include: 10. Betty's issuing bank assigned chargeback reason code 10. A chargeback happens when a customer requests for a transaction to be reversed. 1 – EMV Liability Shift 10. 2022 Visa Chargeback. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. 1 chargeback: 1. Cause. 2 – EMV Liability Shift Non-Counterfeit Fraud. 0 rule changes take effect April 15,. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. 0 is to make the chargeback process more efficient, transparent, and fair. Different card networks have different reason code systems. 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. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received. Reason codes vary by card brand. Inform the cardholder when you issue the credit. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. Mastercard: n/a This chargeback is caused by Authorization. For card-absent transactions, use all Visa tools, including AVS, CVV2, Visa Secure, and more, to reduce instances of fraud. ”. For Visa disputes, the reason code also dictates which workflow the case will take. 4 spec (Section 8. Click on the Chargeback Reason Code drop-down menu, the user can change the. 16, 2021. The shorthand description is “Goods/Services Not as Described. com. EXIDRL–IKVFDLIONCFKNQLOFC AMEX CODE A01What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. The business has the chance to refute the chargeback. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. A02 = No valid authorisation. 1 chargeback: 1. Click on the categories below to view the American Express chargeback reason codes and access tips to help manage each one. Once filed, the merchant generally has 20. 60 due to merchandise, fees, overhead, and other sources of loss. C14 C18 C28 C31 C32 F10 F24 F29 F30 Charge Amount Exceeds Authorization Amount. Then it chooses the most applicable code for a. Required Authorization Not Obtained. TC40 data is used to inform banks and card networks when a merchant has an outstanding fraud. 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. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. Legacy code as currently displayed in the AWC. compliance process depending on whether a chargeback right exists. If you've determined the chargeback is meritless, and you know the reason code, below are the five stages of an effective chargeback representment. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,The situation grows more tenuous when you realize most of those chargebacks were likely the result of friendly fraud. Each card network maintains reason codes to cover all the disputes that qualify for. Then, they charge the merchant this credit amount to compensate for the bank’s loss, plus a. Thus, the easiest way to prevent chargeback reason code 75 from being. Unfortunately, the final decision in such cases comes down to the issuing bank, and not. 634. The merchant did not receive any returned merchandise. Be careful not to process canceled or voided transactions. It was originally just one facet of legacy reason code 81. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. The terminal action codes are in Table 122 of the 4. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. To avoid this, issuers can identify their chip cards using the Service Code field with a first byte value of 2 or 6. 1=1010, 10. 18167 US Highway 19 N Clearwater, FL 33764 877. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. For details on how to receive notifications of chargebacks, accept or dispute them, and submit evidence to. 4807 – Warning Bulletin File. For example, 10. American Express Chargebacks / Disputes. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. About American Express chargeback reason codes. The Chargeback Reason Codes are alphanumeric key codes provided to the merchant and that comes along with the chargeback request. 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. . 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. At Visa they used to receive reason code 98. [noun]/* chahrj • bak • rə • pôrt/. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet phone, or mail orders. For example, the merchant bills the cardholder in installments. Mastercard Chargeback Reason Code 71: Disputed Amount. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Mastercard Chargeback Reason Code 70: Chip Liability Shift. MasterCard chargeback reason code 4540. American Express Chargebacks / Disputes. However, it is important to note that this reason code is based on the reason given by the customer to their bank. Cause. Chargebacks were originally initiated as a means of providing consumer protection from fraud. 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. 0: Changed report name from Downloadable Dispute Report to Case Report. Duplicate Processing - 81Depending on the chargeback, the required evidence might consist of transaction receipts, particular authorization response codes, proof of delivery, correspondence with the customer, or any number of other specific documents. 0 initiative to update compelling evidence requirements for dispute reason code 10. Each bank card network has its owner list of reason codes banks must prefer from. M49 Vehicle Rental – Theft or Loss of Use. 1. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 103. Guide to Chargeback Reason Codes Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card. That said, looking up purchases using this number can make it easier to provide info following an. There are a wide range of reasons, valid. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. Most common causes for Reason Code 90. Justt offers an end-to. UA05 Fraud – Chip Counterfeit Transaction. Time and Labor. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. Use this guide as a quick resource for Visa chargeback reasons at a. This chargeback will include a description that provides additional information: Digital Goods $25 or Less. It is subject to change and may not include every currently known dispute reason code. 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. 10. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)About American Express chargeback reason codes. The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type of chargeback. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. There are over 80 unique return codes, each representing a different return type. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at some. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. Issuers can sometimes wait months after the chargeback to submit. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. The implication is that the merchant is at fault. Unauthorized returns (R05, R07, R10, R29, R51): 0. How to Manage ‘Late Presentment’ Chargebacks. The main chargeback reasons look like this: Malicious fraud. Reason Code North-America: Canada and United States of America; Reason Code: All other countries;. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. Chargeback codes Last updated: August 16, 2023 Below you'll find a list of chargeback codes along with an explanation of what each one means, covering both. com Europe. • Clarified support required to request a Chargeback Reversal for Cancelled recurring billing (ISO 4544/C28). The system does not accept blank as a value, even if it is defined in the user defined code table. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 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. Declined Authorization Authorization Visa Code: 11. Under Visa Claims Resolution, the Visa dispute process is split into two different tracks, each with its own requirements. 3. They either issue a chargeback to the merchant’s bank, or they find that the charge is authentic and side with the merchant. A reason code is how banks categorize the reason for a chargeback. In addition to losing the amount that was. Feel free to submit topic suggestions, questions or requests for advice to:. Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10: Arbitration; Chapter 11: Fraud filters; How to Create the Best Chargeback Responses. Provide Explanation Give a clear overview of the documents you’re submitting, address the specific dispute reason, provide any changes made to the original purchase/agreement and explain the steps you’ve taken to resolve the dispute. ; Help Center Find answers to common questions about Midigator’s technology,. Additionally, Amex uses a fifth "Miscellaneous" category. If the merchant has a signature showing that the order was delivered, or evidence that the. Learn the details, the cause, how to respond and how to prevent Visa Reason Code 13. Both EFM and ECM measure compliance at the MID level. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. The same is true of all chargeback reason codes. 3 DUE DATE American Express chargeback reason code C31 falls under the “Card Member Disputes” category. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks.