All Rights. American Express Reason Code C02. 4846. What is Visa chargeback reason code 12. Submit Documents Your supporting documents should include a copy of the Charge Record or Credit Record. M49 Vehicle Rental – Theft or Loss of Use. What is Visa chargeback reason code 62?. P07 – Late Submission. 1?. Mastercard, and American Express. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. You can hide or expand the table using the > icon in the top left corner of the table. The most comprehensive guide to chargeback reason codes. AMEX chargebacks can be different for many reasons but this is belief among them. Reason code Description; P01: Unassigned Card Number: P03: Credit Processed as. 4. 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. 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. Learn which strategies to use as you fight and prevent consumer disputes by reason code. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. Code 4812 was used for transactions processed against invalid. Nor is the situation static. What is Visa chargeback reason code 12. American Express inquiry reason codes QUICK REFERENCE Time to respond: 20 days from date of inquiry. Scenario 2. What is Mastercard chargeback reason code 4863?. As we discussed the chargeback reason code for the Amex are. Contact; 866-999-3758 Schedule my demo Solutions. Fulfill all qualified cancellation requests promptly. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. 4 falls under the “Fraud” category. Notification of Fraud. What is Mastercard chargeback reason code 4850?. The sales receipt and/or date and amount of the authorization if other than the transaction date. 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. A Chargeback will be processed if: your reply is insufficient; you do not reply on time; or you authorize us. American Express Chargeback Reason CodesAbout American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. American Express uses letters to categorize each reason code by chargeback description or reason. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 4841 Canceled Recurring or Digital Goods Transactions. Each American Express reason code consists for one or more letters, displayed the category, or a total that identifies the specific dispute reason. The most comprehensive guide to chargeback reason codes. P22 – Non-Matching Card Number. 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. Be aware that Cartes Bancaires chargebacks with reason code 45 are not defendable. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. American Express Chargebacks; Discover Chargebacks. The American Express chargeback process starts with a Request for Information (RFI). Call Merchant Customer Services for further assistance. 1?. 7 falls under the “Processing Errors” category. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. 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. This potential fraud can occur when a reader is not EMV. 1 Case number: The unique number that is allocated by American Express to each individual enquiry or chargeback. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Late Presentment (Chargeback Reason Code 83) is a type of chargeback issued by American Express when a merchant fails to submit a transaction for processing within a specific timeframe. The shorthand description is “Transaction Not Recognized. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 103. This code is obsolete, and issuers have been instructed to use code 4808 instead. Mastercard chargeback reason code 4853 is one of the numeric labels assigned by banks to each customer dispute, indicating the given reason for the claim. Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. Supporting Documents You could potentially reverse a chargeback by uploading the. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The 3DS2 protocol has proven to be a highly effective fraud deterrent. Learning about each of the chargeback reason codes can help you dispute them. About Discover chargeback reason codes. The cardholder does not recognize your name on their statement. Each card scheme has its own time limits for chargeback disputes, which can range from 60 to 120 days from the transaction date. Once filed, the merchant. 43 Butterfield Circle El Paso, TX 79906-5202 FAX 623-444-3003 CONTINUED FROM PREVIOUS PAGE >About Discover chargeback reason codes. 2 falls under the “Processing Errors” category. 1Here is what a chargeback response should look like for American Express Reason Code C08, when the transaction was made in a CNP environment and digital goods were purchased: Page 1: Summary of evidenceLike American Express, Discover may or may not send an inquiry before filing a chargeback, in which case merchants have 20 days to respond. You may also provide other forms of evidence such as photographs, emails, etc. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. Mastercard Chargeback Reason Code 71: Disputed Amount. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code R03, which indicates a chargeback generated as a. 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. What is Mastercard chargeback reason code 4859? Mastercard chargeback reason code 4859 falls under the “Cardholder Disputes” category. The shorthand description is “Addendum, No-Show, or ATM Dispute. All Adjustments and Chargeback data is displayed within the Payments > Adjustments tab. American Express uses this chargeback reason code when a cardholder claims they did not participate in a transaction because their card was lost, stolen, or never received. What is Visa chargeback reason code 12. Industry Insights. If the available information indicates that the customer dispute is a valid one, American Express will automatically debit your merchant account for the amount of the disputed transaction and will send you a chargeback notification for you to review. 4846. The tool works by checking the given address of a credit card against the address the bank has on file during a transaction. 7 • A transaction has been processed against a card number that is invalid because it does not exist, has not been assigned to an active cardholder account, or is otherwise incorrect. What is Visa chargeback reason 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. 104. By operating as both the card network and the bank, the. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Over 500 law enforcement agencies and cyber crime police departments around the globe have interfaced with MyChargeBack. 6, "Chargeback Reasons" Added requirements for. American Express cardholders have 120 days since the date of the transaction in file a chargeback, whereas merchants only have 20 days to get to an examination. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. What is Visa chargeback reason code 11. American Express Processing. 6? Visa chargeback reason code 13. 10301. ”. ”. 4? Visa chargeback reason code 13. 2. American Express cardholders have 120 days from the date of the transaction to file a chargeback, whereas merchants only have 20 days to respond to an inquiry. In-Depth Analytics Identifier the real reasons for transaction disputes and solve concerns at their origin. P04 – Charge Processed as Credit. American Express Draft Retrieval Reason Codes 19 Appendix E American Express Chargeback Reason Codes 32 Appendix F Discover Chargeback Reason Codes 41 . As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. Every chargeback has a reason code associated with it. Name (*) Email (*)What is Visa chargeback reason code 72?. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes. Section5. Some payment service providers like PayPal and Stripe have their own reason codes as well. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Keeping in mind the potential shifting of start days, most chargeback reason codes allow 90-120 days from the transaction date to file a dispute. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. Amex chargeback reason code C02 is applied when issuing bank gets a notice from the cardholder that merchandise was returned, but merchant hasn’t refunded, or credit hasn’t appeared on the bank statement. EMV Liability Shift Counterfeit Fraud. What is Mastercard chargeback reason code 4860?. If services were offered, provide a completion of work order that was approved, dated, and signed by the cardholder. 4 — Other Fraud: Card-absent. Then a number to recognize the particular reason; for example, “No Card. Expand the categories below to view the full list of Discover chargeback reason codes. He takes the credit card and reads out the expiry date. 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. The precise amount of your chargeback fee will depend on the contract you have with the acquiring bank or payment processor who handles credit card payments for you. Disputes with this reason code are still limited to a 120-day filing window. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. 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. Visa Chargeback Reason Codes. Reason codes vary by card brand. What is Visa chargeback reason code 12. MasterCard chargeback reason code 4540. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. 7, “Disputed Charges. 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. American Express Chargebacks / Disputes. About Discover chargeback reason codes. 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. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. American Express. In order to identify the reason a customer disputed a charge, it can be helpful to examine the reason code on the chargeback. Once you hear from us, you’ll . At this point, funds are not yet deducted from your account. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. au/merchant. Chargeback Prevention Alerts Resolve clients disputes speedy before they become chargebacks. Thinking it as a fraud he disputes the amount under the Reason Code F29: Card Not Present. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. American Express. So, at this juncture, we join our clients on conference calls with the banks to explain the reasons why the chargeback should be approved, citing chapter and verse to justify our position. Scenario 1 — upfront chargeback. Always use the correct cardholder verification method—signature, PIN, etc. About American Express chargeback reason codes. If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the. Fortunately, all major credit card networks provide clear information regarding chargeback reason codes. Simply click on the blue reason and code on any line item and a detailed description of the reason will appear. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The card that the customer gave has an expiry of the same. Save conformance costs, prevent chargebacks, real improve customer satisfy. 8?. Card Member received written. If a Cardmember questions a transaction on their statement, we may contact you to get some further information on the transaction. Analyze chargeback and alert data until dozens of metrics. What is Mastercard chargeback reason code 4837? Mastercard chargeback reason code 4837 falls under the “Fraud” category. INQUIRY A notification you receive if a Cardmember disputes a charge from your business and we cannot resolve it using the documents we have on file. The most comprehensive guide to chargeback reason codes. 7?. here are some common chargeback codes used by American Express and their meanings: 100:. Download our Disputes and Chargebacks guide. AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. Learn how you can prevent a dispute or fraud from happening to your. American Express Draft Retrieval Reason Codes 19 Appendix E American Express Chargeback Reason Codes 32 Appendix F Discover Chargeback Reason Codes 41 . Hi, I searched for the info in the web and found that for American Express cards the M38 = Offset adjustment. American Express, and Discover—defines and maintains its own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Chargeback Code Authorization Errors; A01: Charge Amount Exceeds Authorization Amount: A02: No Valid Authorization: A08:. The typical range is $20 to $100 per chargeback. ”. I created this guide to give you a quick resource to lookup American Express chargeback codes. Chargeback. Amex Authorization Chargeback Reason Codes A01 — Charge Amount Exceeds Authorization Amount. Merchant Regulations ©2022 American Express. 2: EMV Liability Shift Non-Counterfeit Fraud 10. His mom later finds out an unknown charge on her account and calls. For example, your trading name on the receipt differs to that on their statement. Incorrect TransactionUnder certain conditions, the chargeback processing period can be as many as 540 days. Learn which strategies to use as you fight and prevent consumer disputes by reason code. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. American Express also imposes. For card-present transactions, clearly disclose the cancellation policy on the transaction receipt. has disputed the transaction. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. In most cases, American Express cardholders can file a chargeback up to 120 days after the transaction occurs. 2? Visa chargeback reason code 12. July 2011 Chargeback and Exception Processing Guide 3 The Chargeback Cycle The chargeback cycle generally takes place in four basic phases:. About American Express chargeback reason codes. 4 applies to eCommerce, whereas code 10. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. 11/03/15 Updated these MasterCard Chargeback Codes: 08, 12, 31, 34, 42, 53, 55, 59, 60, 70, 71. ”. American Express Chargebacks / Disputes. P08 – Duplicate Charge. Chargeback Reason Code A numerical code that identifies the specific reason for a chargeback. Thus, the easiest way to prevent chargeback reason code 75 from being. What is Visa chargeback reason code 12. What is Mastercard chargeback reason code 4870?. Issuer is informed that the. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are. documents before the deadline. American Express. Each chargeback reason has its own, individual prevention techniques. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. An easy way to check the status of your Disputes or Chargebacks is to log into your Merchant account at americanexpress. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. About American Express chargeback reason codes. Even learning all the terms and rules won’t keep you. The most comprehensive guide to chargeback reason codes. When one cardholder initiates a dispute with their issuing. What is Visa chargeback reason code 13. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Otherwise, the Discover card chargeback time limit starts at the transaction processing date. 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. 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. Using our e-commerce fraud prevention tools, we help lower friendly fraud costs and chargeback rates, but also reduce gift card and coupon abuse, and promote secure login authentication. About Discover chargeback reason codes. S. Later in the week, George checks his account to find out an unknown transaction to an online accessory merchant. Chargeback Reason Codes List for American Express. Fight; Inhibit; Recover; Success Story; Resources. Be aware that Cartes Bancaires chargebacks with reason code 45 are not defendable. POS ATM Retrieval Required Issuer Support Minimum Amount Time Frames (Days) Retrieval Chargeback Types ISO 4516 - Request for Support Not Fulfilled 321 P $0 120 ISO 4517 - Request for Support Illegible/ Incomplete 323 P P $0 120 Authorization Chargeback TypesWhat is Mastercard chargeback reason code 4834?. About Discover chargeback reason codes. M01 Chargeback Authorization. American Express chargeback reason codes. If the merchant has incomplete or missing signature, accept the chargeback. 7? Visa chargeback reason code 12. 3 is the less common version for card-present transactions. DESCRIPTION. George was surfing online and spontaneously decides to buy shoes for himself. Code. The shorthand description is “Warning Bulletin File. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. These reason codes explain the reason for the dispute. For perspective, the next highest. Missing Imprint. 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. 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. Visa. Duplicate transaction. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Overview. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. ”. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. Processing Error. P03 – Credit Processed as Charge. 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. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 10201. In most cases, the timeframe for cardholders and issuers is significantly longer, at 120 days. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. 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. What is Visa chargeback reason code 13. Based on the region in which you have set up American Express, you will receive reason codes from one of these columns:. The shorthand description is “Other Fraud: Card-Absent Environment. Removed Revolution Card section and retired reason codes. Reason. American Express. Discover chargeback reason code CD falls under the “Services” category. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 2022 Visa Chargeback. 6. Late Presentment (Chargeback Reason Code 83) is a type of chargeback issued by American Express when a merchant fails to submit a transaction for. ”. ”. This. 4. Code. (ICA numbers 102 through 125), the merchant exceeded the chargeback thresholds of American Express,as determined by American Express. With Visa transactions, for instance, 3DS would prevent chargebacks from being filed using reason code 10. 3: Other Fraud – Card Present. 4853 Cardholder Dispute. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The shorthand description is “Declined Authorization. Charge Amount Exceeds Authorization Amount. code table. A01: Charge amount exceeds authorization amount. Take the time to note the following dispute reason codes for Visa. The shorthand description is “Paid by Other Means. The Complete Chargeback Reason Codes List. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. You will be given an immediate Amex chargeback. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by. Use fallback options—like manually entering transaction data—as a last resort. 5?. Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program,” are excluded from program monitoring. Merchants should review these codes, track which ones they receive, and respond to inquiries and chargebacks with the appropriate supporting evidence relevant to each code. 4 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Reason Code Reason Description; 45: Fraud -Disputed transaction:About Discover chargeback reason codes. 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. R03 Insufficient Reply. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Once a chargeback has been decided, any party who wants to take the case to arbitration has. F09. Evan Spicer, MyChargeBack’s Director of Cryptocurrency Investigations, writes that a new scam is targeting fans of Elon Musk’s latest project, X, a revolutionary platform that aims to connect humans and machines. About Discover chargeback reason codes. You can fulfill this request by uploading the necessary documents within 14 days. Section5. Amex Chargeback Reason Code C02: Credit Not Processed Description. About Discover chargeback reason codes. How To Win. Listing and grouping all American Express chargeback and inquiry reason codes with accompanying descriptions and time to respond. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a. FR4 Immediate Chargeback Program. The third digit indicates the specific reason within that category. Visa Chargebacks;. At this point, funds are not yet deducted from your account. It’s important. photographs, emails, etc. 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. Note: For newly enrolled users, payments data will. The shorthand description is “Late Presentment. Description. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Use the horizontal scroll bar and arrows to view more details about each case. 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 of the cardholder’s claim. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. You’ll earn Membership Rewards points, which you can redeem for any transactions. Types of Chargebacks; Chargeback Reason Codes; Debit & Credit Card Disputes; The Chargeback Process; Chargebacks by Card Companies. ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. 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. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. com 14. her cards were charged and in fear of her mother she goes ahead and disputes the charge on the credit card under the Reason Code C14: Paid by Other Means. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. 5 falls under the “Processing Errors” category. A01. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. The American Express chargeback process starts with a Request for Information (RFI). Visa chargeback reason code 75 is filed as an honest mistake. The shorthand description is “Misrepresentation.