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Payments Code Database

Wondering what a specific payments code means? We have you covered.

Chargeback Reason Codes

102 reason codes for Visa, Mastercard, American Express and Discover, with dispute type, description and dispute window. Select a card brand to see its codes.

Visa 24 codes

Visa chargeback reason codes
Reason code	Alternative codes	Dispute type	Description	Dispute window
10.1	1010, 10-1	Technical	EMV Liability Shift Counterfeit Fraud The cardholder claims he/she did not authorize, nor participate in the transaction and the card was in their possession at the time of the transaction The transaction was the result of counterfeit magnetic stripe fraud and the full unaltered contents of the stripe were not transmitted and not authorized by the issuer	120 days from the transaction date
10.2	1020, 10-2	Technical	EMV Liability Shift Non-Counterfeit Fraud Card is PIN preferring chip card in which customer denies authorization of, or participation in, transaction conducted in card-present environment and one of following: Transaction didn't take place at chip reading device Chip initiated transaction took place at chip reading device that wasn't EMV PIN compliant Transaction was chip initiated without online PIN and both: Transaction was authorized online Acquirer didn't transmit full chip data to Visa in authorization request	120 days from the transaction date
10.3	1030, 10-3	Cardholder	Other Fraud – Card Present Environment Cardholder denies authorization of, or participation in, key entered, or unattended transaction conducted in card present environment	120 days from the transaction date
10.4	1040, 10-4	Cardholder	Other Fraud – Card Absent Environment Scenario 1: Cardholder claims he/she neither authorized nor participated in the transaction Scenario 2: Issuer certifies that the account number is fictitious and an authorization was not obtained	120 days from the transaction date
10.5	1050, 10-5	Technical	Visa Fraud Monitoring Program Visa notified the issuer that a fraudulent transaction occurred that appeared on the Merchant Fraud Monitoring Program	120 days from date of Visa Fraud Monitoring Program report
11.1	1110, 11-1	Technical	Card Recovery Bulletin On the transaction date, the account number was listed in the Card Recovery Bulletin for the Visa Region in which the merchant outlet is located	75 days from the transaction date
11.2	1120, 11-2	Technical	Declined Authorization The merchant completed the transaction after receiving a decline authorization response	75 days from the transaction date
11.3	1130, 11-3	Technical	No Authorization / Late Presentment No authorization	75 days from the transaction date
12.2	1220, 12-2	Technical	Incorrect Transaction Code A credit was processed as a debit A debit was processed as a credit	120 days from transaction date; date of credit refund for credit refund processed instead of reversal or adjustment
12.3	1230, 12-3	Technical	Incorrect Currency The transaction Currency is different than the currency transmitted through VisaNet Dynamic Currency Conversion occurred and the Cardholder did not agree to Dynamic Currency Conversion and did not make an active choice.	120 days from the transaction date
12.4	1240, 12-4	Technical	Incorrect Account Number The account number processed through VisaNet does not match the account number on the transaction receipt.	120 days from the transaction date
12.5	1250, 12-5	Technical	Incorrect Amount The transaction amount is incorrect or an addition or transposition error occurred The merchant altered the transaction amount after the transaction was completed without the consent of the cardholder	120 days from transaction date; date adjustment of ATM cash disbursement or PIN-authenticated Visa debit transaction in U.S. region only
12.6.1	1261, 12-61, 12-6-1	Technical/Cardholder	Duplicate Processing A merchant processed the transaction for a single purchase more than once on the same payment credential on the same transaction date and for the same transaction amount	120 days from transaction date; date adjustment of ATM cash disbursement or PIN-authenticated Visa debit transaction in U.S. region only
12.6.2	1262, 12-62, 12-6-2	Cardholder	Paid by Other Means The transaction was paid for using alternate means but the merchant erroneously deposited the Visa payment as well as the alternate means of payment	120 days from transaction date; date adjustment of ATM cash disbursement or PIN-authenticated Visa debit transaction in U.S. region only
12.7	1270, 12-7	Technical	Invalid Data Authorization was obtained using invalid or incorrect data	75 days from the transaction date
13.1	1310, 13-1	Cardholder	Merchandise/Services Not Received Merchandise Not Received: The cardholder was charged for merchandise that was not delivered/received, has attempted to resolve the issue with the merchant Services Not Rendered: The cardholder was charged for a service that was not rendered and has attempted to resolve the issue with the merchant Expanded to include disputes related to no-show transactions, where merchant cannot or is unable to render services. Applies only to hotel merchants and U.S. Domestic peak-time and specialized vehicle car rental merchants who are permitted to process no-show transactions	120 days from transaction date; date the cardholder expected to receive the merchandise or services
13.2	1320, 13-2	Cardholder	Cancelled Recurring Transaction Situation 1: A cardholder attempted to notify the merchant that he/she wished to cancel the recurring transaction to the account that is being charged Situation 2: The merchant modified the recurring payment amount without notifying the cardholder of the change at least 10 days prior to the transaction with the new amount Situation 3: Although the merchant notified the cardholder within 10 days of a recurring payment amount modification, the cardholder did not approve the change Situation 4: The Issuer closed the account for some reason Situation 5: The Issuer had previously charged back another transaction	120 days from the transaction date
13.3	1330, 13-3	Cardholder	Not as Described or Defective Merchandise/Services Goods or services did not conform to the documented or expected description Merchandise purchased was received damaged, defective or otherwise unusable The cardholder disputes the quality of the merchandise; not applicable for quality of food	120 days from the transaction date or 15 days from the date cardholder returned merchandise or canceled services
13.4	1340, 13-4	Cardholder	Counterfeit Merchandise Merchandise purchased was counterfeit (includes Visa Europe) For counterfeit transactions: Issuer is required to provide documentation confirming the cardholder was notified that the goods were counterfeit, the following sources can apply: The rights-holder or owner of the intellectual property, either through direct inspection of the merchandise or through a broader public notice A customs agency, law enforcement agency or other government entity A neutral, third-party bona fide expert with relevant experience/expertise in the type of merchandise involved in the transaction Issuer needs to identify the current disposition of the counterfeit goods (in other words, the current location of the goods)	120 days from transaction date; expected date of delivery or date cardholder was first made aware merchandise was counterfeit
13.5	1350, 13-5	Cardholder	Misrepresentation The cardholder claim that the terms of sale were misrepresented by the merchant The merchant is responsible for merchandise held in a customs agency in the merchant’s country	120 days from transaction date; date cardholder received merchandise/services (not to exceed 540 days from transaction processing date); 60 days from date issuer received notice from cardholder
13.6	1360, 13-6	Cardholder	Credit Not Processed The Issuer received notification from a cardholder acknowledging participation in a transaction for which goods were returned or services cancelled, but The cardholder has not received a written refund acknowledgment or credit voucher from the merchant The credit has not appeared on the cardholder’s statement	120 days from transaction date; date of credit receipt; date of cardholder letter / credit transaction receipt date
13.7	1370, 13-7	Cardholder	Cancelled Merchandise/Services The Issuer received notification from a cardholder acknowledging participation in a transaction for which goods were returned or services cancelled, but The cardholder has not received a written refund acknowledgment or credit voucher from the merchant The credit has not appeared on the cardholder’s statement	120 days from transaction date; date cardholder expected to receive merchandise/services, not to exceed 540 days from transaction processing date
13.8	1380, 13-8	Cardholder	Original Credit Transaction Not Accepted An original credit transaction was not accepted because either: The recipient refused the original credit transaction. Original credit transactions are prohibited by applicable laws or regulations	120 days from the original credit transaction processing date
13.9	1390, 13-9	Cardholder	Non-Receipt of Cash The cardholder participated in the transaction and did not receive cash or load transaction value, or received a partial amount	120 days from transaction date; date adjustment of ATM cash disbursement or PIN-authenticated Visa debit transaction in U.S. region only

Mastercard 21 codes

Mastercard chargeback reason codes
Reason code	Alternative codes	Dispute type	Description	Dispute window
04	4804	Technical	Multiple Processing Mastercard automatically charges back any interregional transaction between a Europe acquirer and a non-Europe issuer if a previous presentment had already been matched to the pending file	Not applicable
07	4807	Technical	Warning Bulletin File The account number was present in the Warning Bulletin File on the date of the transaction and no authorization was obtained	90 days from the transaction date
08	4808	Technical	Requested/Required Authorization Not Obtained Authorization was either requested or required, but was not obtained or authorization was not settled within time frames	90 days from the transaction date
09	4809	Technical	Transaction Not Reconciled Mastercard automatically charges back any interregional transaction between a Europe acquirer and a non-Europe issuer if both Unable to reconcile the clearing presentment with the authorization details of a transaction Determined there is a discrepancy between the reference of the authorization request and the clearing presentment	Not applicable
11	4811	Technical	Stale Transaction Mastercard automatically charges back any interregional transaction between a Europe acquirer and a non-Europe issuer presented more than 120-calendar days after the transaction date	Not applicable
12	4812	Technical	Account Number Not On File Obtained A transaction was processed using an account number that is not listed in the Issuer’s customer database	90 days from the transaction date
31	4831	Cardholder	Transaction Amount Differs Cardholder paid for the purchase using an alternate payment method The amount of the transaction processed was not the amount the cardholder agreed to	90 days from the transaction date
34	4834	Technical/Cardholder	Point of Interaction Error The merchant charges the customer more than once for the same purchase on the same day	90 days from the transaction date or 120 days from transaction date for ATM
37	4837	Cardholder	No Cardholder Authorization The cardholder is claiming he/she never authorized nor participated in the transaction	120 days from the transaction date
41	4841	Cardholder	Cancelled Recurring Transaction or Digital Goods Recurring Transaction A cardholder attempted to notify the merchant that he/she wished to cancel the recurring transaction on the credit card indicated prior to the disputed transaction occurring Cardholder was not aware that they were agreeing to a recurring transaction The issuer had previously charged back another transaction Digital Goods Digital goods were purchased in an e-commerce transaction that was less than or equal to USD 25 (or local currency equivalent) The merchant did not offer the cardholder purchase control settings The cardholder’s account is not closed and is in good standing with no associated fraudulent transactions	120 days from the transaction date
42	4842	Cardholder	Late Presentment Card Not Present: Transaction was processed more than 30 days from the authorization date Retail: Transaction was processed more than 7 days from the authorization date	120 days from the transaction date
46	4846	Technical	Original Transaction Currency Not Provided The proper currency code was not provided when depositing the transaction	120 days from the transaction date
49	4849	Technical	Questionable Merchant Activity The merchant was listed on the MasterCard Global Security Bulletin at the time the transaction occurred for: o Violating Questionable Merchant Audit Program (QMAP) o Performing coercive transactions	120 days from either the transaction date or the global Security Bulletin date
50	4850	Cardholder	Installment Billing Dispute Cardholder agreed to either acquirer-financed or merchant-financed installment billing: Cardholder claims total number of installments or amounts being billed are not in accordance with installment billing agreement Installment billed prematurely or accelerated without cardholder’s consent Acquirer submitted clearing record to obtain payment from cardholder in connection with installment billing arrangement after total transaction amount as shown in original authorization request and on transaction information document (TID) Transaction isn't installment billing transaction Number of installments differs from number of installments authorized by issuer	120 days from the transaction date
53	4853	Cardholder	Not As Described or Defective Quality / Misrepresentation: Goods or services did not conform to their description Defective: Goods were received broken, damaged or otherwise unsuitable for purpose sold and the cardholder attempted to resolve the dispute with the merchant prior to initiating the chargeback Terms and conditions of contract are not as described (changed without cardholder's consent), e.g., 100% money back, written promises or return policy	120 days from the transaction date or 120 days from the receipt date of delayed delivery of merchandise or services
54	4854	Cardholder	Cardholder Dispute — Not Elsewhere Classified Cardholder has made an unsuccessful good-faith effort to resolve dispute with merchant that involve goods or services	120 days from the transaction date or 60 days from the issuer’s receipt date of first cardholder notification of the dispute
55	4855	Cardholder	Goods or Services Not Provided The merchant was either unwilling or unable to provide services The cardholder states he/she did not receive the ordered merchandise	120 days from the expected date of delivery
59	4859	Cardholder	No-Show, Addendum, or ATM Dispute Cardholder is disputing: Any subsequent transaction representing an addendum to any valid transaction from the same merchant A no-show hotel charge from a merchant that participates in the Mastercard Guaranteed Reservations Service Funds not receive, or received only in part, charged to his or her account as a result of an automated cash disbursement (doesn't apply in alleged fraud)	120 days from the transaction date
60	4890	Cardholder	Credit Not Processed Customer claims they're due a credit that has not been processed: Merchant failed to disclose its refund policies at the time of the transaction and is unwilling to accept a return or cancelation of goods or services Merchant has not responded to the return or cancelation of goods or services Merchants posted a partial credit without proper disclosure Merchant failed to issue a Value Added Tax (VAT) credit Cardholder account has been inaccurately posted with debit instead of credit	120 days from the transaction date
70	4870	Cardholder	Chip Liability Shift Cardholder has a chip-enabled MasterCard and claims he/she never authorized or participated in the transaction. (card present transactions) This is for retail transactions only and in all regions.	120 days from the transaction date
71	4871	Cardholder	Chip/PIN Liability Shift A fraudulent transaction resulting from the use of a hybrid PIN preferring card at a magnetic strip-reading-only terminal (whether PIN capable or not) or at a hybrid not equipped with a PIN pad capable (at a minimum) of checking the PIN offline.	120 days from the transaction date

American Express 39 codes

American Express chargeback reason codes
Reason code	Alternative codes	Dispute type	Description	Dispute window
A01	—	Technical	Charge Amount Exceeds Authorization Amount The amount of the authorization approval was less than the amount of the charge submitted.	120 days from the date of transaction
A02	—	Technical	No Valid Authorization The charge submitted did not receive a valid authorization approval; it was declined or the card was expired.	120 days from the date of transaction
A08	A008	Technical	Authorization Approval Expired The charge was submitted after the authorization approval expired.	120 days from the date of transaction
C02	—	Cardholder	Credit Not Processed American Express has not received credit or partial credit merchant was to apply to the card	120 days from transaction date, date merchant acknowledgement credit is due, or date goods/services were canceled, refused or returned
C04	—	Cardholder	Goods/Services Returned or Refused The goods or services were returned or refused but the cardholder did not receive credit.	See C02 time frame
C05	—	Cardholder	Goods/Services Canceled The cardholder claims that the goods/services ordered were cancelled.	See C02 time frame
C08	—	Cardholder	Goods/Services Not Received or Only Partially Received The cardholder claims to have not received (or only partially received) the goods/services	120 days from transaction date OR 120 days from expected receipt date / date Cardmember becomes aware goods/services will not be provided, not to exceed 540 days from transaction date
C14	—	Cardholder	Paid By Other Means The cardholder has provided American Express with proof of payment by another method.	120 days from the transaction date
C18	—	Cardholder	Guaranteed Reservations Canceled Cardholder claims to have canceled a reservation yet was charged a Guaranteed Reservations Transaction.	120 days from transaction date, date merchant acknowledged credit is due, or date goods/services were canceled, refused or returned
C28	—	Cardholder	Cancellation of Recurring Goods/Services Cardholder claims to have canceled or attempted to cancel recurring billing charges for goods or services	120 days from the transaction date
C31	—	Cardholder	Goods/Services Not As Described The cardholder claims to have received goods/services that are different than the written description provided at the time of the charge	12 days from date of transaction OR 120 days from date of receipt of goods/services
C32	—	Cardholder	Goods/Services Damaged or Defective The cardholder claims to have received damaged or defective goods/services.	120 days from date of transaction OR 120 days from date of receipt of goods/services
F10	—	Cardholder	Missing Imprint The cardholder claims that they did not participate in charge that was not processed using magnetic stripe or chip card data	120 days from the transaction date
F14	—	Cardholder	Multiple ROCs The cardholder claims they participated in one valid transaction with a merchant but denies participation in the additional and subsequent transactions	120 days from the transaction date
F29	—	Cardholder	Fraud Trans – Card Not Present The cardholder denies participation in a mail order, telephone order, application-initiated or internet transaction	120 days from the transaction date
F30	—	Technical	EMV Fraud Liability Shift - Counterfeit The cardholder denies participation in the charge and a counterfeit chip card was used at a point-of-sale (POS) system where the transaction was not processed as a chip card transaction because either the point-of-sale (POS) system was unable to process a chip card or the transaction was manually keyed Note: Not applicable to contactless transactions and digital wallet programs	120 days from the transaction date
F31	—	Technical	EMV Fraud Liability Shift – Lost/Stolen/Non-received Cardholder denies participation in the charge and chip card with PIN capabilities was lost/ stolen/non-received and was used at point-of-sale (POS) system where the transaction was not processed as a chip card transaction with PIN validation because either point-of-sale (POS) system is not chip enabled and PIN POS system or the transaction was manually keyed Note: Not applicable to contactless transactions and digital wallet payments and charges that qualify under the no PIN program	120 days from the transaction date
FR2	—	Technical	Fraud Full Recourse Program The cardholder denies authorizing the charge and merchant has been placed in the Fraud Full Recourse Program	120 days from transaction date; 365 days if merchant is determined to be a fictitious and/or collusive or illegal/prohibited business
FR4	—	Technical	Immediate Chargeback Program The cardholder has disputed the charge and merchant has been placed in the Immediate Chargeback Program	Not applicable
FR6	—	Technical	Partial Immediate Chargeback Program The cardholder has disputed the charge and merchant has been placed in the Partial Immediate Chargeback Program	Not applicable
M01	—	Technical	Local Regulatory/Legal Disputes - Chargeback Authorization American Express has received authorization to process chargeback for the charge	120 days from the transaction date
M04	—	Technical	Deal Direct American Express previously received authorization to debit participant account. Please deal directly with the cardholder for resolution on this matter.	Not applicable
M10	—	Cardholder	Vehicle Rental-Capital Damages, Theft or Loss of Use The cardholder claims to have been incorrectly charged for capital damages, theft, or loss of use	120 days from the transaction date
M11	—	Cardholder	CM Credited-Chargeback Reversed American Express recently debited participant account for the adjustment amount indicated. Merchant has credited cardholder for this charge and American Express is reversing the debit and crediting participant account.	No later than 30 days after the date of the initiated chargeback
M38	—	Technical	Chargeback Reversed American Express recently debited participant account for the adjustment amount indicated. American Express is now reversing the debit and crediting participant account.	No later than 30 days after the date of the initiated chargeback
M42	—	Technical	Chargeback Reversal Expired Due to the length of time between the chargeback to participant account and receiving merchant dispute, American Express is unable to review this for reversal.	Not applicable
OP1	—	Technical	Dispute Adjustment American Express has received the request for a chargeback reversal. Please allow 2 to 3 weeks for research.	Not applicable
P01	—	Technical	Unassigned Card Number A charge using an invalid or otherwise incorrect card number was submitted Notes: The charge may be resubmitted to American Express if the merchant is able to verify and provide the correct card number	120 days from the transaction date
P03	—	Cardholder	Credit Processed As Charge The cardholder claims the charge submitted should have been submitted as a credit	120 days from the transaction date
P04	—	Cardholder	Charge Processed As Credit The cardholder claims the credit merchant submitted should have been submitted as a charge	120 days from the transaction date
P05	—	Cardholder	Incorrect Charge Amount The charge amount submitted differs from the amount the cardholder agreed to pay	120 days from the transaction date
P07	—	Technical	Late Submission The charge was not submitted within the required time frame Authorizations are valid for seven days after authorization date except for: Lodging: Authorization is valid for duration of lodging stay Car rentals: Authorization is valid for duration of rental agreement	120 days from the transaction date
P08	—	Cardholder	Duplicate Charge The individual charge was submitted more than once	120 days from the transaction date
P22	—	Cardholder	Non-Matching Card Number The card number in the submission does not match the card number in the original charge	120 days from the transaction date
P23	—	Cardholder	Currency Discrepancy The charge was incurred in an invalid currency	120 days from the transaction date
R03	—	Cardholder	Insufficient Reply Complete support and/or documentation were not provided as requested.	120 days from the transaction date
R13	—	Cardholder	No Reply American Express did not receive a response to an inquiry within the specific time frame	120 days from the transaction date
S01	—	Technical	Reversal Request Denied Request for a chargeback reversal has been reviewed. The chargeback will remain, and participant account will not be credited	Not applicable
S04	—	Technical	Pending Reversal Research American Express has received the request for a chargeback reversal. Please allow 2 to 3 weeks for research.	Not applicable

Discover 18 codes

Discover chargeback reason codes
Reason code	Alternative codes	Dispute type	Description	Dispute window
05	4762	Service	Good Faith Chargeback The merchant acknowledges liability for a Good Faith Ticket Retrieval Request To correct a duplicate credit Discover determines a merchant has violated operating regulations	730 days from the transaction date
AA	—	Service	Does Not Recognize - Cardholder Does Not Recognize the Card Transaction Cardholder does not recognize transaction	120 days from the transaction date
AP	4541	Service	Recurring Payments Merchant bills cardholder account after recurring plan expired or cardholder canceled recurring payments plan or withdrew permission to charge account as part of recurring payments plan, provided plan doesn’t require cardholder to pay amount subject to dispute	120 days from transaction date or cancellation date; cancellation must have been at least 15 calendar days prior to the date the most recent disputed card sale posted to cardholder’s account
AT	4863	Processing Error	No Authorization, Declined Authorization, Expired Card A card transaction (other than an ATM transaction) failed to obtain positive authorization response (i.e. no authorization, declined authorization) and providing authorization response after expiration date on card	120 days from the transaction date
AW	4586	Service	Altered Amount The cardholder claims that card transaction amount agreed to by cardholder was altered without their consent or direction	120 days from the transaction date
CD	4550	Service	Credit / Debit Posted Incorrectly The cardholder claims they were billed for card sale (i.e. other than ATM) by merchant that should've issued credit or refund to account or credit was issued that should've appeared as card sale Cardholder: Returned goods to merchant and received promise of credit; however, card sale rather than credit appears on account Acknowledges making sale; however, credit rather than sale appears on account	120 days from the transaction date
DP	4534	Service	Duplicate Processing The cardholder claims that card was processed two or more times (including ATM transaction, credit or cash advance) using same card at same merchant location for same amount on same date, where cardholder didn't receive benefit of more than one card transaction	120 days from the transaction date
IN	IN01	Processing Error	Invalid Card Number The card number is not assigned to any cardholder	120 days from the transaction date
LP	—	Processing Error	Late Presentation The issuing bank receives the sales data more than 30 calendar days after the date of the card sale	120 days from the transaction date
PM	4865	Service	Paid by Other Means Cardholder paid merchant for purchase of goods or services using another method of payment and amount shouldn't be billed to account for card sale	120 days from the transaction date
RG	4755	Service	Non-Receipt of Goods or Services Cardholder claims they were billed for card sale, cash at checkout or cash advance (except ATM) by merchant but never received goods, services or cash Ordered goods or services and never received requested goods or services and sales were charged to account Didn't receive airline ticket and purchased another ticket, didn't travel or airline canceled ticket Didn't receive cash in amount billed to account for cash advance or cash at checkout	120 days from the transaction date
RM	4553	Service	Cardholder Disputes Quality of Goods or Services The cardholder claims the quality of goods delivered or services rendered did not conform to the agreement of the parties	120 days from the transaction date
RN2	—	Service	Credit Not Processed Cardholder claims full or partial credit promised by merchant but was not received to account	120 days from the transaction date
DC	—	Processing Error	Violation of Operating Regulations Discover identifies a violation on the part of the merchant or that the merchant operated in a prohibited merchant category	120 calendar days from the transaction date
UA01	—	Fraud	Fraud — Card Present Transaction Cardholder claims transaction as fraud in connection with card present sale Cardholder didn't approve or participate in card present card transaction Cardholder didn't approve or participate in card present chip card transaction Card transaction didn't take place at chip card terminal or chip fallback procedures were not used to complete card transaction Cardholder disputes card transaction conducted at Customer Activated Terminal (CAT) as fraud	120 days from the transaction date
UA02	—	Fraud	Fraud — Card Not Present Transaction Cardholder claims they did not approve or participate in card not present sale	120 days from the transaction date
UA05	—	Fraud	Fraud — Chip Card Counterfeit Transaction Card sale or cash advance involving contact chip payment device was issued and cardholder alleges that counterfeit card was used to conduct sale	120 days from the transaction date
UA06	—	Fraud	Fraud — Chip and PIN Transaction Cardholder, through issuer, alleges fraud relating to card present chip card transaction, with PIN preferring chip card and chip card transaction was conducted at POS device that is programmed for PIN prompt bypass or isn't PIN enabled terminal	120 days from the transaction date