” “Visa has 28 different reason codes. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. At Visa they used to receive reason code 98. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. Verification codes (AVS, 3D Secure 2. Chargeback. 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. There are four primary phases to a Visa dispute: After Visa adopted VCR processes, most card networks altered their dispute cycles to be more in line with that used by Visa. 7 Reversals and Adjustments 124 1. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. 10. Chargeback . Reason Code 53: Not as Described or Defective Merchandise. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. . Reason code 04 pertains to your chargeback-to-transaction ratio and is the most common reason for being MATCHed. You need to understand that there are three fundamental reasons why customers file chargebacks: Criminal Fraud Dispute resulting from the actions of a criminal actor. Discover Cardholder Dispute Chargeback Reason Codes AA — Cardholder Does Not Recognize The consumer files a dispute claiming that they do not recognize. This would be filed using reason code 12. may be reversed if merchant can provide proof that the correct fare was quoted to Cardholder; That<br />. Once filed, the merchant generally has 20 days to respond to the chargeback. Specify the default reason code to. BENEFITS AUTHORIZED AR = ADMINISTRATIVE REVIEW AT = ACCEPTED AS. M49 Vehicle Rental – Theft or Loss of Use. And according to The True Cost of Fraud report by LexisNexis, businesses end up paying $3. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. 2. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code F29, which indicates an unauthorized transaction that the cardholder does not believe they should be responsible for paying. Chargeback Reason Key by Network - 2023 Guide. 9 Interchange 127 1. Chargeback reason codes are codes used to categorize the reason for the dispute. If repeated chargebacks happen, you can be placed on a monitoring program, leading to higher processing fees and termination of your account. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. SECTION 4: Chargeback Reason Codes . 4853 – Cardholder Dispute – Credit Not Processed. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. Today, it’s one of the most widely used codes, but Pullen said that’s because agents often slap it on. Accessed October 31, 2022. Understanding these codes is essential because they'll guide your response strategy. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. Codes are not often shared between issuers which means it can be difficult to remember the details of each. 1? Visa chargeback reason code 12. 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. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. Most banks, however, extend the benefit of the doubt to their customers and will allow the chargeback in most cases, so long as the. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. 4846. AP Asia Pacific (AP) CEMEA Central Europe, Middle East, and. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. About American Express chargeback reason codes. Chargeback. Any chargeback that is received without a reason code will be assigned a default code of 53. 502 DM-REFUSED DEBIT VENDOR-DOCK REFUSAL AP Forms, Invoice Shortage Dispute 503 DM-PAY/CAN BOOK INV IN & OUT PO CANCEL AP Forms, Invoice Shortage Dispute 504 DM-DUP INV DM-DUPLICATE INVOICE AP Forms, Invoice Shortage Dispute 505 DM-T. Since we are connecting through AP, your data is handled securely, all the data we access is strictly kept confidential, and we do not share your data with any third-party agents. EMV Liability Shift Non-Counterfeit Fraud. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. FR4 Immediate Chargeback Program. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. You can create multiple chargebacks against each transaction, for positive or negative amounts. By entering your email, you agree to receive marketing emails from Shopify. message. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. Below are some examples of more common reason codes. Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. As a merchant, you face the brunt of chargeback losses. 634. This can be transaction receipts, proof of. The most comprehensive guide to chargeback reason codes. 4853 Cardholder Dispute. Reason codes are very crucial to assist. Chargebacks occur when a credit cardholder disputes a charge on their statement with their issuing bank, in order to ask for a refund. Our technologies enable merchants to identify the source of disputes, then deploy the right solution to deliver immediate results. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. We also included the reason code descriptions and an indication of when the allowable time frame begins. Thus, the easiest way to prevent chargeback reason code 75 from being. 2. Reason code 83 represents a chargeback categorized as. Reason Codes Category 1: Authorization. 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. 4: . A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. The issuer reviews the case, assigns a reason code, and initiates the chargeback. most common reason codes for recurring merchants include: 7. Use clear and consistent billing descriptors. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). What is a chargeback time limit? The chargeback response. VCR Dispute Reason Code 10. Solutions. 1: goods not received. Chargeback Reason Codes by Industry. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at some. Specifically, these updates only pertain to transactions that are charged back after Oct. 4 Ways to Fight Chargebacks: Gather compelling evidence. If you believe you have received an ACH return in error, you can contact your bank. This chargeback occurs when merchants do not adequately provide currency information. The issuer generates a claim, then transmits it to the merchant’s acquirer, as well as to Visa, as a means of noting all reported fraud incidents tied to the merchant. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. 18167 US Highway 19 N Clearwater, FL 33764 877. 'luhfw fruuhvsrqghqfh wr wkh dssursuldwh hpdlo edvhg xsrq wkh uhdvrq frgh ri wkh lvvxh olvwhg ehorz <rx pd\ frpelqh lvvxhv iru gliihuhqw uhdvrq frghv lq wkh vdph fruuhvsrqghqfh rqo\ li wkh What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. Receive the Chargeback. 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. Fraud UA01 Fraud – Card Present Transaction UA02 Fraud – Card Not Present Transaction UA05 Fraud – Chip Counterfeit Transaction UA06 Fraud – Chip and PIN Transaction UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature) Authorization NA No Authorization DA Declined Authorization Date Updated: Oct 17 2022 TABLE OF CONTENTS What Are Chargeback Reason Codes? Importance of Chargeback Reason Codes Chargeback Reason Code Categories The Complete Chargeback Reason Codes List Visa Discover Mastercard American Express How to Use Chargeback Reason Codes 5 Things Merchants Should Understand About Chargeback Codes The new reason codes follow a format of two digits, a period, then a third digit. 2022 Visa Chargeback. 00 in chargebacks. All chargebacks start with a customer making a purchase in person, in an app, or online. . According to Nilson, 56% of global card transactions were done on Visa in 2015. Fight; Prevent; Recover; Technical. Be sure to communicate with the customer and their bank professionally and courteously. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. September 2011: 5. It's essential to respond within the. The aim of CE 3. The fee is designed to incentivise merchants to act in a way that avoids chargebacks. Terms and conditionsHow you respond is determined by the chargeback reason code: Embed This Graphic. While every card system has its own particular exceptional arrangement of chargeback reason codes, the categories are fundamentally very similar. Chargeback Reason Codes. Additionally, one clearing transaction. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. 2 Compliance CasesReason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. AP: Automatic Payment Dispute: 4586: AW: Altered Amount Dispute: 4751: CA: Cash Advance Dispute: 4550: CD: Credit Posted as Card Sale: 4594: CR: Cancelled Reservation:Authorization reversals, refunds, and chargebacks are all forms of payment reversals. When you receive notification of a chargeback, the first thing you want to do is look up the reason code. Everyone has had the experience of buying. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. Fri 24 Nov 2023 05. Each card issuer follows their own standards for defining reason type, code and its format. • create an A/P credit for the charge back. The network. If your business falls into the "normal" risk profile, meaning you have a chargeback ratio of less than 1%, the chargeback fee levied by banks or payment. 102. . VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. It is subject to change and may not include every currently known dispute reason code. During research, a claim processor might call a customer and refer to the customer's reason code. What is Visa chargeback reason code 12. All of Visa’s existing reason codes were condensed into four key groupings: fraud, authorization errors, processing errors, and customer disputes. 3: Goods or services were not as described: C31: RM: 13. In that way, winning one dispute may help prevent the next chargeback to come after it. Another thing you should bear in mind is that the card brand involved in the dispute can also change the reason code to suit new developments. The most comprehensive guide to chargeback reason codes. . The credit will then appear on the cardholder’s statement as its own distinct. Solutions. 7. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. Check the chargeback reason code. When every chargeback comes with a separate fee and an incremental uptick to your chargeback rate, several $1 chargebacks can be a lot worse than a single chargeback. A TC40 data claim occurs when a customer makes a fraud claim against a merchant. . Consider Deadlines. What you pay can vary depending on your history of chargebacks and your payment processor. However, for simplification, they are divided into eight categories: Fraudulent activity; Authorization issues;. The shorthand description is “Authorization Noncompliance. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. . Solution. Cardholder Disputes. When a cardholder disputes a transaction, their issuing bank reviews. 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. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. About American Express chargeback reason codes. The transaction amount and authorization number (ARN. Simply search for your Visa chargeback reason codes, and learn why the chargeback was issued. Try Shopify free for 3 days, no credit card required. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. In simple terms, a payment reversal is just what it sounds like: a reversal of a previous payment, most often referring to a credit card transaction. 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. This reason code is accompanied by a fraudulent reason code (UA). You should place a Code 10 call when. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. Take the time to note the following dispute reason codes for Visa. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Customer Reason Code Mapping. In fact, for every dollar lost to chargebacks in 2019, the average merchant lost an additional $2. If the order was genuinely not as described, then the cardholder has a case. With that said, you still need to understand the reason codes with any chargebacks from Amex. For example, if a store or distribution center receives 40 cases but the invoice is for 45 cases, a Code 22 will be issued for the 5 outstanding cases. Case Studies. Visa chargeback reason code 75 is filed as an honest mistake. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. 2. This can provide important information to fight the dispute. Below are some examples of more common reason codes. Visa Merchant Official Documentation. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. If the merchant attempts to force a transaction through after the presentment window, the bank may respond with a “late presentment” chargeback. Every chargeback has a reason code associated with it. The third digit indicates the specific reason within that category. If you leave this processing. Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive . Next Page. When you receive a chargeback request, respond promptly with any relevant information or evidence that supports your case. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. For QSRs, which deal in a large volume of relatively small transactions, the financial impact of a high chargeback rate can be severe. txt) or read online for free. Here the cardholder is claiming that you were supposed to provide them with a refund, but no credit has been applied to their account. Now chargeback responses need to contain evidence that proves the cardholder’s identity was verified. Chargeback Reason Codes. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. the Airline cancelled the original ticket; That credit for duplicate charges was completed or multiple<br />. Here are some steps you can take to handle chargeback requests: 1. Only an issuer can initiate the chargeback process. Products. 196Chargeback reason codes can change with new information. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. 3 – Not as Described or Defective Merchandise/ Services 13 . First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for. What is Visa chargeback reason code 12. 7. Depending on the reason code, chargeback disputes may have different time limits. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. ”. Fraudulent Activity. Reason Codes Category 4: Processing Errors. Customer disputes are a reality of accepting payments. A chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. It’s just what it sounds like—the reason they’re fighting the charges, which can range from fraud and non-delivery of services to processing errors—and the codes for each problem differ between card networks. Reason Code. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. These are outlined below: 1. Other Fraud—Card Absent Environment. 1 for Visa transactions, or reason code 4834 for Mastercard. This chargeback<br />. The Guide Gain a better understanding of the nature of your chargebacks and effectively manage them. 4: Other Fraud–Card-Absent Environment. . Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity Chargeback reason codes. Knowing these codes can help you dispute chargebacks more effectively. ; Help Center Find answers to common questions about Midigator’s technology,. . This scenario applies when the arbitration was raised by either the. 105. Unfortunately, the final decision in such cases comes down to the issuing bank, and not all. *These networks do not have specific reason codes assigned to dispute; however, any retrieval that is received without a reason code will be assigned a default code of 1. 1 CODE 168 172 CHAR/5 OCC-CODE Claimant’s job at the time of injury AGENCY CODE 173 176 NUM/4 AGENCY-CODE Employing agency code BUILDING CODE 177 178 NUM/2 AGENCY-BLDG Building location code INTERNAL TO OWCP GEOGRAPHIC LOCATION 179 187 CHAR/9 GEO-LOC Geographic location where the injury or death took place The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. 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. And according. It can range from 60 to 120 days from the billing date. Dispute Reason Code: A specific code associated with the reason given by the buyer for initiating the chargeback. Like other markup fees, you can negotiate the amount of this fee when setting up your merchant account. 1 falls under the “Processing Errors” category. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. Try Shopify free for 3 days, no credit card required. Solutions. . that the transaction was either approved online by the issuer or offline by the chip. Otherwise, the Discover card chargeback time limit starts at the transaction processing date. The newer system is designed to. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. 00/DE for discount reason codes. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. Here are some chargeback reason codes by card type. Recurring billing transactions are a frequent source of conflict, disputes, and. You can see the reason code for the dispute in the Dispute page. They can also be caused by a merchant failing to process a cancellation promptly. Chargeback Report. It can range from 60 to 120 days from the billing date. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. • process inventory transfers and, optionally, adjust the inventory “off the books”. AP. Reason codes vary by card brand. As its name suggests, Code 22 is issued when Walmart does not receive all the items it is billed for on the invoice. 4 Fraud – Card-Absent Environment. 1Chargeback agency rollup code CASE NUMBER 12 20 NUM/9 CASE-NO Unique numeric identifier for each case RECORD TYPE 21 21 NUM/1 REC TYPE Appropriate record type 1 – SUMMARY. com Europe. Can it be disputed? In order to identify the reason a customer disputed a charge, it can be helpful to examine the reason code on the chargeback. Code 67: Display Allowance. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback. That’s 50% more time than what the major card networks allow. . You can request a chargeback from the bank that issued the card If: The transaction was unauthorized. 1 Interchange Reimbursement Fee (IRF) Determination and Payment 127First, let’s start by establishing why chargebacks happen in the first place. . The shorthand description is “Transaction Not Recognized. pdf), Text File (. Merchants can find a. Goods / Services Damaged or Defective. Post Views: 2,142. ” This type of chargeback reason could be named differently across the different card schemes (some examples: Visa 10. The chargeback can be for the total transaction amount or a lesser amount. The card scheme receives the chargeback and forwards it to the acquirer. While obtaining authorization approval is usually. By entering your email, you agree to receive marketing emails from Shopify. The claim often, but not always, involves automated teller machines (ATMs). Blog and Featured; Success Stories; Chargeback Reasoning Codes; BIN Look-up; eGuides and Reports;. Knowing the reason code can help you dispute the chargeback, as you and your acquirer (the bank processing the charges) are more apt to gather the necessary. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. Code 4807: Fraudulent Card-Present Transaction. This step aims at identifying the chargebacks that are really due to criminal fraud, those associated with merchant errors, and those that are most likely due to friendly fraud. TC40 data is used to inform banks and card networks when a merchant has an outstanding fraud. Fortunately, chargeback reason codes make it easy for merchants to understand the cause of chargebacks. . If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. A TC40 data claim occurs when a customer makes a fraud claim against a merchant. . Multiple Authorization Requests. A chargeback report is a periodic report that compiles key chargeback stats to track trends and identify correlations between disputes and other business data. . 10. 6 (credit not processed). Added the following fields - Store ID, Credit Card Chargeback Reason Code. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. The most popular type of disputes of the chargeback category. This list was generated 5/4/2022. A Shopify chargeback occurs when a cardholder contacts the bank about. Discover uses unique codes to explain those reasons to merchants. This process is called a chargeback. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Chargeback reason code. 3. They usually have up to 120 days after purchase to dispute a charge, though some card schemes allow up to 365 days. In the case of friendly fraud, that reason could be completely invalid and. Other Ineligible Transactions Under Reason Code 62, Condition 2 . What are chargeback reason codes? It’s an alphanumeric string of text provided by an issuing bank following a chargeback that describes the reason for the. Now, compliance cases must be submitted through Visa Resolve Online (VROL). It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Learn about the different chargeback reason codes and what they mean. A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. 1 chargeback: 1. 1. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. The increase in transparency will also reduce the risk of chargebacks with reason code 13. The CB Reason represents the default reason for marking the transaction as a chargeback, but this default value can be changed. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. The bank can then reverse the transaction, deducting the funds from your account and returning them to the cardholder's account. Fraudulent transactions almost always lead to chargebacks, and chargebacks are also. However, it's advisable to respond to whatever reason code you received from the bank. See the list of reason codes below: Card Network. 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—QuestionableChargeback and order status are determined through enumerated values, while the card scheme provides the reason code and description for the chargeback. MDR removed some reason codes completely, including code 4863 – Cardholder Does Not Recognize. The actual underlying cause of this chargeback is. The shorthand description is “Warning Bulletin File. Visa Chargeback Reason Codes. Reason code 4534 - Duplicate Processing (DP) Reason code 4535 - Expired Card (EX) Reason code 4541 - Recurring Payment (AP). 2 falls under the “Processing Errors” category. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration. 1: Use the corresponding dates from the invoice. This is a fairly common chargeback reason that can. 4, 37, F29, U02: Cancelled Recurring:. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. These are only a handful of common Visa chargeback reason codes. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. Discover Chargeback Reason Codes. non_receipt: The buyer claims they didn't get the goods or services. If the chargeback stems from the use of non-EMV readers, for example, the merchant should implement compliant terminals. Select the transaction in question and tap the ellipses symbol in the top right corner of the screen. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, AP automation is an approach to the AP process that involves using software solutions to create an efficient, digitized workflow for receiving, reviewing, and paying invoices. 3 Changed Discover Reason Codes to match what is shown in the UI. 1. .