Chargeback reason codes apply to disputes, between a cardholder (customer) and a merchant, when the dispute has escalated to a chargeback. When a chargeback request is filed a chargeback reason code is assigned to the claim.
Visa Chargeback Reason Codes with Explanations
Visa Chargeback Reason Codes are divided into six general groups, with 22 subcategories (codes):
1. Non-receipt of information
a) Code 75 (Cardholder Does Not Recognize): In this code, the cardholder doesn’t recognize a transaction that is on their billing statement.
b) Code 60 (Request Copy Illegible or Invalid): Bank required a credit slip and the slip was not valid or illegal.
c) Code 79 (Requested Transaction Information Not Received): When a merchant has to send transaction information and it was not fulfilled on time. This code is valid when the retrieval request is sent based on fraud analysis.
2. Fraud
a) Code 57 (Fraudulent Multiple Transactions): If a cardholder acknowledges a single transaction but denies other. Cardholder also accepts that the card was in his/her possession when transaction happened.
b) Code 62 (Counterfeit Transaction): When cardholder claims that the card was in his/her possession at the time of transaction, but the authorization of payment was not done by him/her.
c) Code 81 (Fraudulent Transaction–Card Present): A slip provided to bank is missing information. This particular situation indicates that there is a fraudulent transaction.
d) Code 83 (Fraudulent Transaction–Card Absent): Transaction was made without the permission of cardholder or is an unauthorized transaction.
3. Authorization error
a) Code 71 (Declined Authorization): Bank receives request of a transaction for which authorization is not permitted. It is done by posting multiple attempts to forcefully authorize a transaction.
b) Code 72 (No Authorization): Authorization was not obtained for the transaction
c) Code 73 (Expired Card): An authorized transaction that was completed with an expired card.
d) Code 77(Account Number Doesn’t Match): In this case, transaction was not authorized and the card number provided doesn’t match directory of issuing authority/bank.
4. Processing error
a) Code 74 (Late Presentment): Account number is closed or blocked and bank has received a transaction request after 30 days.
b) Code 76 (Transaction Code Incorrect): Cardholder complains that a debit was received instead of credit.
c) Code 80 (Account or Amount Incorrect): Account number is different from what was posted on sales slip.
d) Code 82 (Duplicate Processing): More than one same transaction was received by the bank on cardholder’s account.
e) Code 86 (Paid via Other Medium): Card issuing authority receives a request stating that cardholder has paid via other means, i.e. direct payment or check.
f) Code 96 (Limited Accounts with Excessive Transaction): An account receives a transaction request that exceeds account’s limit.
5. Returned chargeback reasons
a) Code 41 (Cancel Transaction Recurring): Merchant made the transaction when cardholder notified the merchant to cancel it. Merchant was supposed to inform cardholder but has not done so.
b) Code 53 (Defective Merchandiser): Cardholder claims that he/she has received a product that is not the same as displayed at the time of transaction.
c) Code 85 (Credit not Received): Cardholder claims that product was returned and the credit has not be received from the merchant.
6. Services chargeback reasons
a) Code 30 (Service was not Provided): Merchandise has not been received or the order made was cancelled. Or the service/product has not arrived by the date mentioned with the merchandiser.
b) Code 90 (Service not Rendered): Cardholder has completed a transaction via ATM but the funds have not been received.
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