UA05 Fraud – Chip Counterfeit Transaction. The MasterCard SecureCode program offers protection by guaranteeing payment and blocking chargebacks for reason code 37 for those transactions that have been authenticated (cardholder enters their PIN) only. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. The same is true of all chargeback reason codes. “It’s a lot tougher with Mastercard because they only use four main codes. Additionally, a chargeback reason code is provided that describes the specific case in more detail. 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. 0. Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet. 8 Added American Express chargeback information Chapter 3 1. We’ve all been there as an eCommerce owner: you excitedly ship out a $1,500 order to a customer, and then a few weeks later you’re notified that the customer has opened a chargeback dispute. Dispute Category. Each card network has their own set of chargeback policies and reason codes, and they frequently change them. The chargeback can be for the total transaction amount or a lesser amount. If the chargeback is in the customer’s favor, the bank reverses the transaction and debits the business’s acquiring bank instead of crediting itOne catch is that CE3. The sales receipt and/or date and amount of the authorization if other than the transaction date. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. The main chargeback reasons look like this: Malicious fraud. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. 1 A customer issues a chargeback with their bank. 4 Funding Process. For best results, your chargeback win rate should be as close to 100% as possible. Specify the invoice date and net due date to assign to chargebacks. The Solution. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. The reason_description field lists the chargeback reason. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Write customer-friendly policies. The actual underlying cause of this chargeback is. GraphQL Docs & Tools. ’Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. ; Help Center Find answers to common questions about Midigator’s technology,. Fraudulent. This situation can occur when a merchant accidentally enters. However, the 30 day waiting period can be waived if you’ve. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. The tickets were held at the box office, and no signature, swipe or imprint. 48. Code 4807: Fraudulent Card-Present Transaction. 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. But don't worry – we're here to help! Here are some important terms to keep in mind: : A claim against a charge, initiated by a customer with their bank. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Across open networks and include account numbers sent over email, instant messaging, text, or chat. 3 applies when a cardholder claims a charge—made in a card-present environment—was. 2. Credit Card Dispute. Reference these when rebutting cardholder disputes at your small business. Step 2: Customer initiates the chargeback – After the customer reviews their credit card statement at the. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. ”. Clearing. 4 (1040) (Visa) Card-not-present fraud: F24. Never swipe a card back and forth or at an angle, as it may cause the reader to misread the stripe. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. Reason codes differ by card brand (Visa, Mastercard); a complete list can be found here. mastercard chargeback reason code 37. You may know that every dispute you receive is attached to a chargeback reason code. Because there are many reasons for which customers may file a chargeback, Discover issues an accompanying chargeback reason code with each chargeback. If using any other currency than this, it should be equivalent to the specified amount. At this stage,. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. For example, 10. It can range from 60 to 120 days from the billing date. S. What is Visa chargeback reason code 12. What is Visa Reason Code 12. What is Visa Reason Code 11. It gets worse. What is Visa chargeback reason code 12. Each card. 37. In either case, the merchant (the business) is still responsible and must address the chargeback claim. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. Chargeback Reason Codes by Industry. 10. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. For more information on these and other updates, check out our complete chargeback reason. What are the odds a merchant will “win” the chargeback dispute? The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. The terminal action codes are in Table 122 of the 4. The reason codes are grouped into several broad. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not Received Non-Receipt of Goods or Services NO YES VISA 41 Canceled Recurring Transaction Cancelled/Returned by CardholderThe chargeback reason code. Only use EMV-compliant terminals. Expedited Dispute Resolution forms will not be allowed. 3. In fact, for every dollar lost to chargebacks in 2019, the average merchant lost an additional $2. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. The transaction amount and authorization number (ARN. ”. 4855. #9. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. At this point, funds are not yet deducted from your account, but a NoC always indicates that your account will be debited for the chargeback amount. 3. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. The merchant processed a transaction the cardholder wasn't a part of. 1 Different workflows Disputes will be routed in two different workflows, called Allocation and Collaboration. You’ll put that reason code, the transaction amount and authorization number, and state that the. 1 Merchandise/ Services Not Received. mastercard dispute form. While the risk of chargebacks may elevate your financial exposure, processing credit card payments is more critical. Return fraud happens when consumers bring an item (or items) back to you to request a refund in the form of store credit or cash. 1001 - Cardholder does not recognize the transaction. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. These codes are broken down into five different category types: Fraud codes 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. The following reason codes require compelling evidence: Fraudulent transaction (83) Fraud/card absent environment (1040) Merchandise/services not received (1310) No cardholder authorization. Dispute Best Practices Guide Overview This guide includes: An overview of authorization and transaction processing An overview of retrievals and chargebacks Reason code guidelines for all. 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. Only use EMV-compliant terminals. With the right compelling evidence,. ” This type of chargeback reason could be named differently across the different card schemes (some examples: Visa 10. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. Phone cases, chargers, and other accessories commonly fall into this category, as technology updates or broken devices may cancel out the need for an item. 3 falls under the “Authorization” category. 2=1020 etc. The claim often, but not always, involves automated teller machines (ATMs). 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. 100007: 400* INVALID_REQUEST: Message reason code invalid for this chargeback - AFD EDIT. . 4, MasterCard 4837, AMEX F29, Discover UA02, and so on). Unauthorized returns (R05, R07, R10, R29, R51): 0. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. Duplicate Processing - 81Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. F24. 10. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andShopify Payments Chargeback Reason Code #5: Product Not Delivered. 6. 2. 03 = post dated. 4855. 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. For example, there are two key components in the American Express chargeback process: inquiries and. Cause. Every chargeback is different, so the evidence you provide will vary depending on the reason for the chargeback and the documents you have available. Terms and conditions. Check the chargeback reason code. 4856. 1 falls under the “Processing Errors” category. The card scheme receives the chargeback and forwards it to the acquirer. . Overall returns (all codes): 15%. If a customer makes a chargeback request on the basis that he or she has not authorised the transaction, the customer's bank will charge the transaction back to the merchant’s bank. 4: Other Fraud–Card-Absent Environment. 4841 Canceled Recurring or Digital Goods Transactions. . These codes are established by the payment brands to categorize the incoming dispute requests by reason. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. It is very similar to: Mastercard's 4853- Defective/Not as Described Reason Code. When you get one of these response codes, you’re going to have to ask the customer to provide a different payment method: 5 - Do Not Honor. An ACH dispute results in a chargeback for the business that processed the payment. 42. . 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. To submit your documents to Wave, use the link in the chargeback notification email, or reply to the email. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. 00 in chargebacks. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. There are plenty of reasons as to why this would happen, hence the many. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. 7 Updated format All 1. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Step 01 | Identify the Reason Code. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. 02 =altered/fictitious item. 5158. The list of chargeback reason codes in this article. Try Shopify free for 3 days, no credit card required. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—Questionablefor chargeback reason code 4863 (Cardholder Does Not Recognize). 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. 58%: 70. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. Please note that the most common Chargeback reason code for Allocation disputes is 10. Take the time to note the following dispute reason codes for Visa. What is Visa Reason Code 13. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. What is Mastercard chargeback reason code 4837, no cardholder authorization, and how can you win it? Don’t waste time defending chargebacks, make your company more profitable by preventing them. 10. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. For card-absent transactions, use all Visa tools, including AVS, CVV2, Visa Secure, and more, to reduce instances of fraud. Reason code 83 represents a chargeback categorized as. To help you identify what happened, look up the code you received for the dispute below. American Express chargeback reason code C42. United States. 04/09/14 Discover: DC,. Card networks send these codes to merchants to indicate why a chargeback has been filed. © for chargeback reason code 4863 (Cardholder Does Not Recognize). To subscribe and learn more about the free online chargeback management system, or contact Chase Paymentech Client Services at 1. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. About American Express chargeback reason codes. This will help you tailor your response. Several reason codes fall under this heading, and it is important to differentiate between chargebacks with reason code 4870 (Chip Liability Shift) from those with reason code 4871 (Chip Liability Shift Lost/Stolen/Never. 6. 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. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. Visa Merchant Official Documentation. 4 chargebacks. It can range from 60 to 120 days from the billing date. The shorthand description is “Goods/Services Not as Described. Merchants who believe they have received an invalid chargeback under reason code 13. Because you have not met Seller Protection performance requirements the transaction will be reversed. Paymentology will submit the chargeback using the appropriate chargeback reason code. All chargebacks start with a customer making a purchase in person, in an app, or online. 4846. (Amex) No cardmember authorization. 11, 16. 4853 – Cardholder Dispute – Goods or Services Not Provided. In most cases, you will have 20-45 days in which to respond to a chargeback. 51 - Insufficient Funds. UA02 Fraud – Card Not Present Transaction. CB Reason Code: Unicode Text (30-character) Chargeback reason code as provided by the bank or payment method. 6. 1 chargeback: 1. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. 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. Attachment A: Copy of the customer's transaction on xx/xx/xxxx using a credit card ending in XXXX. Along with that are many other eccentric rules and regulations for merchants. A chargeback is the potential outcome of a disputed credit or debit card transaction. This reason code is used when a cardholder is claiming that a merchant has processed multiple unauthorized transactions against their Visa card. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. Always swipe the card once in the direction of the arrow shown on the reader. American Express is incentivized to keep their customers happy. Merchants can find a. This involves the cardholder’s bank serving as a mediator, rather than eBay. 1. Dispute Best Practices Guide Overview This guide includes: An overview of authorization and transaction processing An overview of retrievals and chargebacks Reason code guidelines for all. Chargeback companies can assist merchants in navigating these processes, and work with them to develop a comprehensive chargeback prevention strategy. UA06 Fraud – Chip and PIN Transaction. A chargeback happens when a customer requests for a transaction to be reversed. Check the chargeback reason code. The merchant didn’t: Issue a refund for canceled or returned merchandise. The cardholder may be the customer or the someone who lent their card to a friend or relative. 3. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. This second chargeback is what was commonly referred to as a “pre-arbitration chargeback. 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. The card network then notifies the merchant’s acquiring bank about the chargeback and passes along all the collected information. Not recognizing your billing descriptor on a statement. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. The codes for each card brand are listed below along with the recommended documentation to provide. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. The new reason codes follow a format of two digits, a period, then a third digit. Reason codes are very crucial to assist. 2. 6 General update and rebranding. In the case of friendly fraud, that reason could be completely invalid and. 65 - Exceeds Withdrawal Frequency Limit. Protect cardholder data. 2% decrease: Georgia: 1. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Visa chargeback reason code 12. If you're contesting a chargeback, you'll need solid evidence. Issue a refund because they don’t accept returns, but they failed to communicate this policy to the customer clearly. It is associated with a chargeback reason code and it is specific per Card Scheme. Mastercard will eliminate dispute Reason Code 63 “Cardholder Does Not Recognize”. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. However, Visa is the largest card brand in both the United States and the world. What Are Chargeback Reason Codes? Chargeback reason codes identify the general reason behind a chargeback. There are over 80 unique return codes, and each one represents a different type of return. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. The incorrect amount being charged. The codes also appear on financial reporting associated with disputes. MasterCard: Reason Code 4859 Services not rendered. This reason code means that the cardholder claims that they were billed for lodging services that they had already canceled. The reason_code field lists the reason code the issuing bank has assigned to the chargeback. 4512:Chargeback reason code 13. 4854 Cardholder Dispute—Not Elsewhere Classified (U. 3. Check with the issuing banks to determine what time limits may apply to you. No Cardholder Authorization. 5%. That suggests that in the times when merchants. This ranges anywhere from roughly 60 to 90 days after purchase. 3: Goods or services were not received: C08: RG: 4855: 13. From there, the merchant can look up the code to figure out what the dispute is about. Reason codes are created by the major. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. Description of Change Where to Look AN 1193—Revised Standards for the Chip LiabilityCode 13. The newer system is designed to make it easier and. Accessed October 31, 2022. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Reason Code. Responding to Mastercard Reason Code 4853 Chargebacks. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. 1042. The chargeback applies to the following scenarios: The. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. Learn about the different chargeback reason codes and what they mean. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. Learn more about Visa reason codes. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. Date Option. A reason code helps explain why a transaction was disputed. The initial release of this standard does not add, remove or change any Return Reason Codes. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. 56. 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. Select the value “open”. While there are many chargeback reason codes, all chargebacks fall into one of three categories:Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. On xx/xx/xxxx, we received a chargeback under the reason code 11. Your first step is to identify the chargeback reason code, which is a kind of shorthand that indicates why the transaction is being disputed. These codes are established by the payment brands to categorize the incoming dispute requests by reason. The shorthand description is “Late Presentment. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. 1. Clerical The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet, phone, or mail orders. The most comprehensive guide to chargeback reason codes. Chargeback Reason Code. This means providing evidence that will undermine the cardholder’s claim. Dispute network reason codes categorization . This can include. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. You are notified of the chargeback and can choose to either accept the chargeback or dispute it. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. 1 to RC 11. 4835. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. 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. Reason Code Description 4750 AL Airline Transaction Dispute 4541 AP Recurring PaymentChargeback reason codes. This broad umbrella category includes an array of chargeback causes. F01. 4859 Addendum, No-show, or ATM Dispute. 1 EMV Liability Shift 10. Review your credit card processor’s policies to understand its chargeback dispute process. Administrative returns (R02, R03, R04): 3%. 100007: 400* INVALID_REQUEST: Message reason code invalid for this chargeback - Contactless. Mastercard. Chargebacks Explained;. A family member used the card without the primary cardholder's knowledge. These codes are broken down into five different category. 3. 4837. 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. Always submit an authorization request, no matter the transaction amount. Ready to Start Preventing. Chargeback Reason Code. 4860 Credit Not Processed. Now, compliance cases go through Visa Resolve Online. Visa - 13. Lucia to 135 XCD • Increasing the CVM Limits in Sint Maarten (Dutch Part) to 90 ANGHere is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. Reason Code 02. Visa chargeback reason code 57 falls under the “Fraud” category. Every time a merchant processes a transaction, they are supposed to send an. . How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. The most comprehensive guide to chargeback reason codes. 6 General update and rebranding. 100- 140 standards- , and will be removed in future releases. There are two parts to this. What is Visa chargeback reason code 13. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. 6: Credit not. Through 2021, we. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Get Form. In simple terms, VCR introduced five definitive changes to the dispute resolution process: The timeframe for merchant response was shortened from 45 days to 30 days. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Time Limit in Calendar Days. If the order was genuinely not as described, then the cardholder has a case. 634. Chargeback reason code 13. If you choose to dispute the chargeback, the customer’s bank will review the case and provide a ruling. 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. Choosing what compelling evidence to submit. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. ). Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. Batch chargeback process. Tom-Chris Emewulu Chargeflow's Digital Evangelist May 25, 2021 6 min read Suppose you are hearing the term Chargeback Reason Codes for the first time. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. A credit card dispute, also known as a credit card chargeback, occurs when a customer disputes a transaction with their issuing bank. Reason Code 53 re-presentments must be processed within 45 calendar days from the. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing Chargeback reason codes. Reason code 83 represents a chargeback categorized as Fraud – Card Not Present (CNP) Transaction. If the customer’s story matches. This may be done by either the merchant or the issuing bank. 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. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction.