A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. . For defective or “Not as Described” reason codes. 3:. Please note that the most common Chargeback reason code for Allocation disputes is 10. Required Authorization Not Obtained. If you're contesting a chargeback, you'll need solid evidence. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Reason code 83 represents a chargeback categorized as. 11, 16. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. MasterCard ChargeBack Guide 20141030 PDF. The customer regrets their purchase. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. During this process, the representative of the institution examines the reasons’ list. S. 13. Try Shopify free for 3 days, no credit card required. 3. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. MASTERCARD CHARGEBACK REASON CODE 4854 De**ion Media Required Cardholder Dispute-Not Elsewhere Classified (U. If the chargeback is in the customer’s favor, the bank reverses the transaction and debits the business’s acquiring bank instead of crediting itBelow is a list of Mastercard chargeback codes used in eCommerce. This chargeback occurs when merchants do not adequately provide currency information. In simple terms, Mastercard Chargeback Reason Code 4859 — No Show/Addendum/ATM Dispute refers to situations where a customer claims the services purchased from a merchant were not fulfilled. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. Category. pdf), Text File (. Replaced Chapter 1, Processing Procedures— MasterCard Dual Message System. A chargeback happens when a customer requests for a transaction to be reversed. 0: Changed report name from Downloadable Dispute Report to Case Report. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. There are multiple situations in which this can occur. The shorthand description is “Cardholder Dispute—Not Elsewhere Classified (US Region Only). Region Only) 4855: Goods or Services Not Provided : 4859: Addendum, No-show, or ATM Dispute :About American Express chargeback reason codes. Card Number: Alphanumeric: The first 6 digits, followed by. Each card scheme has its own time limits for chargeback disputes, which can range from 60 to 120 days from the transaction date. Reason Code North-America: Canada and United States of America; Reason Code: All other countries;. 4854: Processing Error: Cardholder Dispute-Not Elsewhere Classified: 4855: Non-Receipt of Goods or Services: Non-Receipt of Merchandise: 4857:The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa simply underwent with Visa Claims Dissolution. 04/09/14 Discover: DC, U02. com Chargeback reason code 4854: Cardholder Dispute Not Elsewhere Classified refers to situations where customers are unhappy with a purchase or transaction, but do not feel the situation can be resolved through the merchant. The incorrect amount being charged. Please see the below “cheat sheet” for the new 4 byte reason codes. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. A chargeback is a reversal of funds following a debit or credit card purchase, set in motion when the customer files a dispute over the charge with their bank or credit card provider. To provide a successful chargeback representment case, Visa and other credit card companies allow (indeed, they urge) merchants to provide compelling evidence to support their case. Always remind clients of upcoming charges with adequate time during the subscription billing cycle. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. For this reason, you must document all debit and credit card transactions and adhere to the strict rules set by the card networks. Cyber-criminals have benefited from on-line banking (OB), regardless of the extensive research on financial cyber-security. Reason Code Description; 10. Discover is a credit card network and an issuing bank—just like American Express. Cardholder-Activated Terminal (CAT) 3 Device. All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. 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—QuestionableWith an eCommerce transaction, 3-D Secure technology works like an online PIN code. Specify the default reason code that you want the system to assign when you enter a chargeback amount. Although Mastercard's chargeback time limits are fairly strict, there are some exceptions or conditions that can alter that timeframe. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. What is Visa chargeback reason code 13. 10. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. Dispute reason code triggered. Level 2/Phase 2: Chargeback. 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. Information on proper voice authorization procedures may be needed for ‘referral’ responses. Chargeback reason codes are one piece of evidence you can use to make your case. 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. Region Only) Cardholder has made an unsuccessful good-faith effort to resolve a dispute with the card acceptor that involves goods or services, and the dispute reflects a claim or defense authorized. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. reason code information. Merchants. By understanding the reason behind the chargeback, you can gather the necessary evidence to support your case effectively. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. Chargebacks Explained;. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. For example, the merchant bills the cardholder in installments. 1: goods not received. 4859 Addendum, No-show, or ATM Dispute. Encrypt transmission of cardholder data. Card issuers and card networks deem certain chargeback codes to be nearly indisputable by merchants, and as a result, a merchant can be charged a fee of up to $500 by card networks for submitting a dispute of such chargebacks. However, it is important to note that this reason code is based on the reason given by the customer to their bank. 1 EMV Liability Shift 10. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. But that doesn’t make them any less frustrating. Discover Chargeback Reason Codes Explained. Code. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. Discover uses unique codes to explain those reasons to merchants. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. 4: Fraud—Card-Absent Environment. NIÑA JEWELRY MANUFACTURING OF METAL ARTS, INC. Text of Chargeback Guide. 2. UA02 Fraud – Card Not Present Transaction. These chargebacks occur to resolve chargeback-related disputes between network members. Chargeback reason codes identify the general reason behind a chargeback. 379 U. BIO 101. Make the terms of your subscription clear. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. txt) or read online for free. . The bank or credit union then conducts an investigation to ascertain the validity of the dispute. Chargebacks911 offers the most comprehensive chargeback management system available,. S. Payment method. Also, remember that the time frame for your response includes any processing required by the acquirer. Multiple Authorization Requests. This means providing evidence that will undermine the cardholder’s claim. The codes for each card brand are listed below along with the recommended documentation to provide. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. 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. Card networks use a system of chargeback reason codes to categorize chargebacks processed through their systems. Versions Affected: v5, v6. R03 Insufficient Reply. The network hasn't wholly disallowed some old codes. Reason Codes: 08 / 20 / 71 / 72 A card was used either before or after its valid date Never process a transaction on a card prior to, or after, the valid date. A chargeback happens when a customer requests for a transaction to be. Fraud-related Chargeback Counter Exceeds Threshold. 1 Quick Reference Lead. The way you manage chargebacks depends on your account setup. Request for Information. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. Merchants can find a. Understand the reason for the chargeback. Your actions in response to such a chargeback will be determined by the particular circumstances, the most typical of which are described in the table below: If: Then: The transaction was cancelled and credit issued. Discover. API status is evidence_required and chargeback code is ADJM. 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. This extra step can be frustrating for Card Members and lead to lost sales. ”. In this article, we'll cover some of the major changes that Mastercard has made to chargebacks in recent years, starting with several. Fortunately, chargeback reason codes make it easy for merchants to understand the cause of chargebacks. IPM Arbitration Chargeback Message Reason Code. MASTERCARD 4854 CardholderDispute-Not List of Chargeback Reason Codes. Carefully analyze the reason provided by the cardholder for the chargeback. 30 days. About American Express chargeback reason codes. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. • Removed reason code 4840 (Fraudulent Processing of Transactions) Chapter 1—General Information. Maestro. Mastercard Chargeback Time Limits are all the different deadlines that banks, cardholders, and merchants must follow when filing and contesting disputes. The code can be used in multiple specific situations, many of which had their own individual codes at one. Expert Help. Mastercard Chargeback Time Limits are all the different deadlines that banks, cardholders, and merchants must follow when filing and contesting disputes. 7. However, Shopify has whittled down these 100+ reason. . 4854 – Cardholder Dispute for the US; 4853 – Cardholder Dispute; Visa. Study Resources. . Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRREverything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Explain your situation, and ask for their intervention. MasterCard ChargeBack Guide 20141030. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. 4 Fraud – Card-Absent Environment. Visa categorizes these types of disputes as “first-party misuse” under their reason code 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 andWith the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. 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 stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Assemble Your Evidence. A dispute often has a reason code associated with it. Goods / Services Damaged or Defective. 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. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. To simplify this process, the situations that may qualify for a chargeback are broken down into designated “reason codes. Q. For best results, your chargeback win rate should be as close to 100% as possible. American Express chargeback reason code C42. MasterCard ChargeBack Guide 20141030. This provided a number of insights into the typical. 3? Visa chargeback reason code 13. These codes are given by the card issuer at the point of time that the customer disputes a given transaction. Across the four major credit card networks (i. 3. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Report. For example, some reason codes offer cardholders over a year to file. The reason code used to describe the dispute will determine the chargeback time limit. . If you believe you have received an ACH return in error, you can contact your bank. When that happens, the issuing bank will gather evidence from the customer and assign a reason code to the chargeback based on the card issuer. Ethoca alerts can prevent chargebacks before they hit your bank account. S. This can be transaction receipts, proof of. . Instead, ask for a different form of payment. 5%. 3: Goods or services were not received: C08: RG: 4855: 13. S. 4808. May 2011: 5. Chargeback. For more information on these and other updates, check out our complete chargeback reason. MONTECILLO and LIZA M. A new 4 byte reason code will be used moving forward. Region Only) 4855 Goods or Services Not Provided. Reason codes 30, 53, 81, 83: Evidence such as. 9/7/2022. Many subscription payment disputes are made under code 13. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program”, are excluded from program monitoring. 4812. In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Compensation Resolution. 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. 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. Chargeback Reason Codes. Each chargeback claim is given a reason code, which helps explain to merchants the reason for the dispute. But, merchants should be aware that, eventually, everyone will be required to use the new designations. . And according. While the updates have been published, they do not go into effect until Oct. Replace 48XX with the valid chargeback message reason code. The chargeback process is lengthy, time-consuming, and will always end up costing you more money than the original transaction was worth. S Region only) 4863: Cardholder Does Not Recognize - Potential Fraud (this reason code will be retired as a part of the 20. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. 3 Fraud – Card-Present Environment. ) and ELISEA B. S. Most reason codes apply to any merchant, regardless of what’s being sold. MasterCard time limits vary depending on the applicable reason code. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. Each chargeback received a numeric code which is known as the “reason code”. Valid chargeback reason codes are defined in UDC 03B/CB. 4808. If the customer’s story matches. UA01 Fraud – Card Present Transaction. Thus, the easiest way to prevent chargeback reason code 75 from being. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. 4 Other Fraud Card Absent. Understanding these codes is essential because they'll guide your response strategy. 4854: Cardholder Dispute—Not Elsewhere Classified (U. M10 Vehicle Rental – Capital Damages. 675 Proper Use for New Presentments 676 Intra European Message Reason Code 4855. It gets worse. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. Some credit card companies also include a short phrase describing the code and chargeback. Articles; Chargeback Reason Codes;. 4854. Braintree Support Articles. Choose the representment amount. Which is meant to know the reason for the dispute. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. 10. The transaction was refunded prior to the initiation of the chargeback: provide proof of refund. Each code has a different timeline. Type. Chargebacks are something every business wants to avoid, as they can. View full document 10. As a merchant, your focus should be on finding and retaining customers--not chargebacks. Reason Codes Category 4: Processing Errors. Documentation must be a direct result of cardholder communication. chargeback. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. 1, "Compelling Evidence for goods/services notWhat are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. Prior to to, Mastercard’s list of reason colored was long, convoluted, and confusing; currently there been fewer than ten different reason codes relevancy to majority merchants. The reason code. 3 falls under the “Consumer Disputes” category. . Card networks send these codes to merchants to indicate why a chargeback has been filed. Time Limit. Claim Adjustment Reason Codes - All . Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. You’ll want to carefully review all chargeback reason codes so you are familiar with the very detailed regulations. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. F02. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. Terms and conditions. 1. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. American Express is incentivized to keep their customers happy. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. You must tailor your representment case — including the compelling evidence — to the reason code under which the bank. 543 Proper Use of Interregional Message Reason Code 4880. 4853 – Cardholder Dispute – Credit Not Processed. . Download PDF . For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. 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. Get your complete guide to Mastercard reason codes, including all aforementioned detailed information, chargeback time limits, and other important information yours must. Supporting Documents. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. ABELLA, Petitioners, - versus - MADELINE C. Reason Code 4854 Category Cardholder Dispute Claim The cardholder tried resolving a dispute with the merchant but was unsuccessful. eCommerce. , American Express, Discover, MasterCard, and Visa), there are 151 chargeback reason codes. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. Elaboration of MasterCard Reason Codes. Inform your acquirer of the date that the credit was issued. Visa Chargeback Codes: 30: Services not provided or Merchandise not received : 41: Cancelled recurring transaction : 53: Not as Described or Defective merchandise : 57:. 3. Chargebacks. 4850 Installment Billing Dispute. Reason Code: Numeric: Code for the chargeback request (see below). Mastercard Chargeback Reason Code 71: Disputed Amount. . Solution Case Studies Partners Company Blog Resources Data & Compliance FAQ See It In Action. FR6 Partial Immediate Chargeback Program. 2. The cardholder's claim is fraudulent. S. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. Values are: Blank: Use the draft G/L date. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. 3: Goods or services were not as described: C31: RM: 13. In the case of friendly fraud, that reason could be completely invalid and. The client will send this dispute to Paymentology’s Global support team via email – [email protected] of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. TB. Unfortunately, the final decision in such cases comes down to the issuing bank, and not. For example, 10. R13 No Reply. The third digit indicates the specific reason within that category. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. 00 EUR as a Withdrawal fee. 2 EMV Liability Shift. This broad umbrella category includes an array of chargeback causes. One catch is that CE3. 2. Account Number Not On File. 7: Defective goods and services: C32: RM: 13. None. Visa Chargeback Reason Codes. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. This liability shift essentially provides merchants. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. 2. Accepting recurring transactions is enough cause for acquiring banks and processors to label you as a “high-risk” merchant. The implication is that the merchant is at fault. When filing a chargeback, the issuing bank chooses a reason code from the list for the applicable card network. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. Others require banks to wait for a certain period before they can issue a chargeback. Availability Date: October 24th, 2021. Updated: 10 May 2016. Learn the details, the cause, how to respond and how to prevent Mastercard Reason Code 4854 Cardholder Dispute Not Classified Elsewhere (US) . Time Limit in Calendar Days Below are the top causes of chargebacks including the reason codes established by leading credit card companies: Customer Dissatisfaction: Cardholder did not receive the items/service purchased, the products/services were not as described and/or product (s) was damaged or otherwise defective. 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—QuestionableTry Shopify free for 3 days, no credit card required. 1: Use the corresponding dates from the invoice. Chargeback Reason Code 30 - Services Not Provided or Merchandise Not Received The chargeback time limit is calculated based on one of the following: 120 calendar days after the transaction processing date 120 calendar days after the last date the cardholder expected to receive the goods or services (not to exceed 540 days of the transaction. There are two parts to this. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. Sometimes, customers get wrongly debited due. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. [MasterCard Reason Codes 4853, 4855, 4859; Visa. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. 4854 – Cardholder Dispute – Not Elsewhere Classified. 3: Card-Present Environment. Arbitration Chargeback/1442 Message - MasterCard. Chargeback Guide28 April 2016. 4 Funding Process. Invalid Installment Acceleration. One of. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Following the prompts. Regardless, merchants must respond to the given reason code. 0: Updated report version from 1. Description of Change Where to Look. Section5. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. 4853 – Cardholder Dispute – Credit Posted as a Purchase. While there are many chargeback reason codes, all chargebacks fall into one of three categories:2. This will be referenced in the chargeback notice you received. This reason code is accompanied by a fraudulent reason code (UA). Here’s how. This definitive guide comes that chargeback reason codes from jeder of of four majority card networks. The major card networks have unique reason code systems, and banks use separate tools. In that way, winning one dispute may help prevent the next chargeback to come after it. The most popular type of disputes of the chargeback category. REQUEST A DEMO. Chargeback Reason Code. Specify the default reason code to. e. There are also specific return time frames, which can differ. Protect cardholder data. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. Any of those things could easily result in a recurring billing chargeback ( Reason Code 13. The merchandise was as described or was not defective. . The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Corrected the calendar days for the Authorization-related Chargeback, in the Additional ArbitrationChargeback Options table for IPM ArbitrationChargeback Message Reason Code 4901. resolved via the chargeback management process and within timeframes. 0 to 5. 2: EMV Liability Shift Non-counterfeit Fraud: 10. Visa.