Across open networks and include account numbers sent over email, instant messaging, text, or chat. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. MasterCard - 4855 Goods or Services Not Provided. This can provide important information to fight the dispute. At Visa they used to receive reason code 98. Number two: Product Not Received chargebacks. R13: No Reply: Inquiry/Miscellaneous: FR2: Fraud Full Recourse Program: Inquiry/Miscellaneous: FR4: Immediate Chargeback Program:. There are also specific return time frames, which can differ. American Express did not receive a response to an inquiry within the specified timeframe. [noun]/* kə • stə • mər • di • spyo͞ot/. When one cardholder initiates a dispute with their issuing bank, a. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. The good news is that most of these invalid claims are disputable by the merchant. The main chargeback reasons look like this: Malicious fraud. If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the cardholder’s account. There are two parts to this. Stage 1: First Chargeback. Here's a list of all the current Visa reason codes: Chargeback Code. Expedited Dispute Resolution forms will not be allowed. Written by Chargeback Gurus. ACH Return Code R61 – Misrouted Return. Additionally, Amex uses a fifth "Miscellaneous" category. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. NOC (Notice Of Change) Codes Code Meaning C01 Incorrect DFI Account NumberapplyHold("hold_code") specifies the applyHold method and the hold code to use when applying the hold. In the distribution industry,. 103. ACH return code R13 indicates the transaction includes an invalid ACH routing number. Invalid Authorisation (ISO 4521) / Charge amount exceeds Authorisation amount (A01). This chargeback occurs when merchants do not adequately provide currency information. This code tells you why the customer or bank initiated the dispute. The sales receipt and/or date and amount of the authorization if other than the transaction date. 1 Goods and Services Related Issues 1. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. Those reasons are explained through the corresponding reason codes. And according. 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. Updated these Discover Chargeback Codes: U05, U06. This provided a number of insights into the typical. Technical. Chargeback Reason Codes Card Type DISCOVER DISCOVER DISCOVER Reason Code 4502 4534 4540 DISCOVER 4541 DISCOVER 4550 DISCOVER 4553 DISCOVER DIS. Updated Disputes/Chargeback Policy Coming April 2024Chargeback reason code 13. AMEX R13 Requested Transaction Information Not Received Request for Information YES NO AMEX M01 Merchant Accepted ChargebackAn ACH dispute results in a chargeback for the business that processed the payment. The new reason codes follow a format of two digits, a period, then a third digit. Credit memo approval ranges cannot overlap for approval limits with the same reason code and currency. The shorthand description is “No Authorization. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested item illegible: 07: Warning Bulletin File: 08: Requested/Required Authorization Not Obtained: 12: Account Number Not on File: 31: Transaction Amount Differs: 34:Chargeback reason codes have changed. Note: If there are no Motives applicable to the Reason Code, this field contains “0. The codes also appear on financial reporting associated with disputes. Let’s say you got a Visa chargeback with reason code 13. 1, "Compelling Evidence for goods/services notVisa is planning to shake up the chargeback process with new compelling evidence rules for fraud disputes with Reason Code 10. Discover Chargeback Reason Codes Explained. All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. 15, 2021. A01 | A02 | A08. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. The merchant did not receive any returned merchandise. Category. If the customer’s story matches any of their. Having a Lax Attitude Toward Industry Rules & Regulations. Chargeback. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. 3. A retrieval request—sometimes called a “soft chargeback”—is a method of obtaining a copy of the paperwork to validate a transaction. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. Chargeback Reason Codes All received credit card disputes include a reason code. Additionally, Amex uses a fifth "Miscellaneous" category. Find explanations for the major credit card issuers dispute reason codes in the Cardholder Dispute Reason Code EncyclopediaResponding to Mastercard Reason Code 4853 Chargebacks. If the merchant has a signature showing that the order was delivered, or evidence that the. 3 falls under the “Authorization” category. Visa Chargeback Life Cycle. Reason Code 12. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Chargeback Base Codes by Network - 2023 Guide. In fact, for every dollar lost to chargebacks in 2019, the average merchant lost an additional $2. Most chargebacks occur due to merchant error, true fraud and friendly fraud. Not remembering the original purchase. Blog. Below is a list of Mastercard chargeback codes used in eCommerce. Most commonly the payer is a consumer. Fraud. Format of the account number specified is not correct. 7 falls under the “Consumer Disputes” category. As we touched on earlier, chargebacks can happen due to technical errors. P22 – Non-Matching Card Number. R13: Request for Information: Requested Transaction Information Not. For example, 'R04' indicates that an invalid account number was provided. 2 chargebacks are frequently caused by customers forgetting to cancel a subscription before the next billing and then going to their bank to try to get their money back. This list can provide you with a brief detail on the reasons for. Timeframe to Initiate Chargeback 120 calendar days from the date of the transaction Representment Rights/ Merchant Action Proof that a Credit which directly offsets the Disputed Charge has already been processed Issuer Required Documentation None Special Notes Inquiry required prior to Chargeback. Try Shopify free for 3 days, no credit card required. Typical chargeback reason codes are: DA: Disputed amounts. R02 – Account closed. 1 American Express chargeback reason code C31 falls under the “Card Member Disputes” category. CHARGEBACK: Customer has disputed part or all of the transaction. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. You can't defend the return, but it may be allowed to retry the payment. Receiver of a recurring debit has stopped payment of an entry. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. ACH return codes and explanations for R01 – R33 returns. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Check the balance of the bank account associated with your QuickBooks Payments account. Built with a single, intuitive console, Sift’s end-to-end solution eliminates the need for disconnected tools, single-purpose software, and incomplete insights that drain operational resources. D. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Some credit card companies also include a short phrase describing the code and chargeback. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Code 10. The third digit indicates the specific reason within that category. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. UA05 Fraud – Chip Counterfeit Transaction. The Challenges of Chargeback Disputing and Delivery;. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. R13 Select a code to see the details QUICK REFERENCE Time to respond: 20 days from date of chargeback. 1. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. Chargeback Reason Codes and Descriptions. 4 Funding Process. However, Visa is the largest card brand in both the United States and the world. What is Visa chargeback reason code 13. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. Download this sample Chargeback Rebuttal Letter. Section5. P22 – Non-Matching Card Number. The cost of payment card fraud has increased by 60% over the last decade, and is expected to increase significantly post Covid-19. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. R13: Retrieval Response Not Received-Miscellaneous: Discover: 4534 DP: Duplicate Processing: 120: Processing Errors: Discover: 4541 AP:. Partners. What is Visa Reason Code 13. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. A chargeback happens when a customer requests for a transaction to be. This list was generated 5/4/2022. There are dozens of reasons why cardholders and issuers dispute transactions. Chargeback reason codes are codes used to categorize the reason for the dispute. 1? Visa chargeback reason code 12. . screen . To help you identify what happened, look up the code you received for the dispute below. Code 4807: Fraudulent Card-Present Transaction. Note: If there are no Motives applicable to the Reason Code, this field contains “0. 45. 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 more information on these and other updates, check out our complete chargeback reason. Eligible Chargeback Reason Codes . Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. 7. This Return Reason Code may only be used to return ENR Entries and is at the Federal Government Agency’s sole discretion. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. Updated the following columns - card type, response due date. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. 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 actual underlying cause of this chargeback is usually either true fraud or friendly fraud. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. This is commonly caused by either true fraud or friendly fraud. 4 Other Fraud Card Absent. Step #2 | Report the Scam to PayPal. the Chargeback. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. EMV Liability Shift Non-Counterfeit Fraud. The chargeback transfers funds from the acquirer to the issuer. The rules which will take effect in April 2023 are meant to reduce the volume of friendly fraud occurring over the card network. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831. R04 – Invalid account number. Chargeback reason codes identify the general reason behind a chargeback. Values are: Blank: Use the draft G/L date. 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. ; Resources. 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. Depending on. 4846 — Incorrect Currency Code. This may include: Transaction receipts; Merchant credentials; Customer authorizationThe existing 22 chargeback reason codes will be replaced by new reason codes and grouped into 4 categories: 1. 2: No Authorization. Charge Amount Exceeds Authorization Amount. When a customer decides to dispute a charge made to their debit or credit card, it is referred to as a chargeback. Click on “report a problem” and select the transaction in question. Mastercard Chargeback Reason Code 73: Duplicate Transaction. UA02 Fraud – Card Not Present Transaction. [noun]/* rə • trē • vəl • rə • kwest/. Description. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. For a brief overview of chargeback reason codes, refer to the table below. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. P07 – Late Submission. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. P04 – Charge Processed as Credit. During this process, the representative of the institution examines the reasons’ list. Reason codes. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. The customer regrets their purchase. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Goods and services not as described or cardholder received defective goods or services 3. In that way, winning one dispute may help. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. 105. F02. Message. 5? Visa chargeback reason code 13. 2. 2. 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. Mastercard Chargeback Reason Code 71: Disputed Amount. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. screen . R13: No reply: M01: Chargeback Authorization: Processing: IN: Invalid Card Number: LP: Late Presentment: Fraud: UA01: Fraud / Card Present Environment: UA02: Fraud / Card-Not-Present. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. Chargeback prevention strategies vary based on the reason for the. ACH return code R13 indicates the transaction includes an invalid ACH routing number. This can be transaction receipts, proof of. Discover - RG Non-Receipt of Goods, Services, or Cash. 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 TRRSurvey data from the 2019 Chargeback Field Report found that 82% of merchants surveyed believed that the Visa Claims Resolution process had “little to no impact on chargeback management. Section5. Using the same link provided above, contact PayPal to report the scam. The transaction stands incomplete and funds are not secured. 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). ACH return codes identify the reason an ACH payment was returned by the recipient's bank. 5 Visa will also place new rules to effectively target Rules. ”. For this reason, you must document all debit and credit card transactions and adhere to the strict rules set by the card networks. Specifically, these updates only pertain to transactions that are charged back after Oct. 7? Visa chargeback reason code 13. 1 falls under the “Processing Errors” category. Enable the Chargeback settlement method in the Invoice Deduction claim source setup. Reason Code 03: Laundering: The merchant processed transactions that did not involve a bona fide cardholder: Reason Code 04: Excessive Chargebacks: The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds:. The chargeback notification send by the issuing bank will include the reason code for the chargeback. Post Views: 841. The code replaces Visa’s legacy reason code 41. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect. the Chargeback. 102. The system does not accept Blank as a value, even if it is defined in the UDC table. The Electronic Fund Transfer Act is a piece of US legislation that requires banks to provide certain information to customers regarding electronic fund transfers (EFTs). American Express Chargeback Reason Codes Fraud F10 Missing Imprint F14 Missing Signature F24 No Card Member Authorization F29 Card Not Present F30 EMV CounterfeitYour comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. A Charge is Disputed * We’ll work directly with the Card Member and try to resolve the case before reaching out to you. )ACH Return Code R50 – State Law Affecting RCK Acceptance. 104. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal. The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. S C T. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. Chargebacks: Your Guide to Reducing Hassle and Cost. the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date) However, if the customer returned merchandise or. 3 falls under the “Consumer Disputes” category. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. Payment stopped. EMV Liability Shift Non-Counterfeit Fraud. WEX began issuing chip cards in Q4, 2020. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. 4853 – Cardholder Dispute – Credit Posted as a Purchase. 2023 Consumer Attitudes Towards Chargebacks. Erläuterung. Card Type Reason Code. By entering your email, you agree to receive marketing emails from Shopify. Once you receive this notification, you have 11 days to submit a response. Explanation. 16, 2021. American Express chargeback reason code R13 falls under the “Inquiry/Miscellaneous” category. 3. Be sure you understand the cardholder’s claim. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 Here 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. UA02 Fraud – Card Not Present Transaction. 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. R11. Chargebacks were introduced as a form of consumer protection against. It’s crucial that you recognize the common merchant errors that might trigger a reason code 13. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. MCC 5815 — Digital Goods: Media (Books,. Once you hear from. Valid values include: Cost Discrepancy. 2. Receiving a damaged product. 1. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. This is not a complete list of ACH Return Codes—those related only to government payments, ATMs, ACH credits, paper check conversion, or inter-bank communications have been omitted. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. Protect stored cardholder data. All chargebacks start with a customer making a purchase in person, in an app, or online. Please note that the most common Chargeback reason code for Allocation disputes is 10. The merchant authorizes Amex to process a chargeback for the transaction in question. Consider Deadlines. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. By entering your email, you agree to receive marketing emails from Shopify. R05 – Unauthorized debit to consumer account using Corporate SEC code. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. To indicate the reason of the return, ACH provides a reason code that we return in the NOTIFICATION_OF_CHARGEBACK and CHARGEBACK webhooks, and in your Customer Area > Risk > Disputes. The merchant failed to ship the merchandise by the promised delivery date/time. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. 7 downloads 2 Views 352KB Size. Available balance is not sufficient to cover the dollar amount of the debit entry. Each chargeback is disputed by a specific reason code. Credit not processed for cancelled or returned goods and services 2. 4 spec (Section 8. Every chargeback comes with a reason code. Here are the two possible scenarios: 1. Bundes bank. Reason Codes. 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. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. The shorthand description is “Cancelled Recurring Transaction. A chargeback happens when a customer requests for a transaction to be reversed. 1? Visa chargeback reason code 13. American Express . A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. F29. Depending on the reason code, you can retry the transaction or take some other action. Fraud (10)& Authorization (11)This Return Reason Code is generally used on CIE transactions. 2 Considered a ChargeBack by CheckGateway. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. ” 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. 1=1010,. As such, it is limited to merchants in the following merchant category codes (MCCs): MCC 5735 — Record Stores. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Typical chargeback reason codes are: DA: Disputed amounts. AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. Each chargeback reason has its own, individual prevention techniques. MasterCard chargeback reason code 4540. This process is called. ACH return codes identify the reason an ACH payment was returned by the recipient's bank. 26% - the number of chargebacks that result from undelivered orders. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. If you don’t reply in time or with . chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 0 to 5. If the order was genuinely not as described, then the cardholder has a case. This page includes both the new and old Visa reason codes. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. If you leave this processing. The chargeback process starts when a customer (or, less frequently, their issuing bank) challenges a transaction as invalid. Visa, MasterCard, and American Express all list compelling evidence by reason code. Values are: Blank: Use the receipt G/L date. Tips And. Chargeback reason codes. The three-character code notes the specific reason. Chargeback. 3 Changed Discover Reason Codes to match what is shown in the UI. If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the cardholder’s account. As we touched on earlier, chargebacks can happen due to technical errors. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. S D D. ” Reply By: • Notice Due Date, if applicableChargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. Reason Code. The type of reason code for which you are searching. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. Look below the surface. This field allows for query by reason code ID which is a unique identifier of the reason. 3. Detail. Now, 10. First, after a cardholder contacts the bank to inquire about a transaction, the bank uses VROL to pull detailed transaction information. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. The assigned chargeback reason code outlines why a customer submitted the dispute. 7. There are several types of chargeback reason codes that can be used, including the following: 1. The invalid ACH routing number may be the result of a simple typo or may indicate an incorrect routing number was provided. To avoid this, issuers can identify their chip cards using the Service Code field with a first byte value of 2 or 6. They can also be caused by a merchant failing to process a cancellation promptly. Reason Code 53 re-presentments must be. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. 196Click “filter orders”. How long can the issuer wait to file a dispute? The dispute timeline can be based on one of two start dates. All card brands have their own number of codes). These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute. Also, just like American Express, Discover functions as both a card network and an. The following chargeback reason codes are related to EMV: Visa: 10. 0 to 5. The cardholder may be the customer or the someone who lent their card to a friend or relative.