As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). UA05 Fraud – Chip Counterfeit Transaction. American Express Chargeback Reason Codes American Express uses four main categories to. S. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. About Discover chargeback reason codes. The shorthand description is “Addendum, No-Show, or ATM Dispute. Whether the authorization is approved 2. American Express cardholders have 120 days from the date of the transaction to file a chargeback, whereas merchants only have 20 days to respond to an inquiry. ”. The most comprehensive guide to chargeback reason codes. American Express Chargeback Reason CodesAbout American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Category. About American Express chargeback reason codes. If the merchant provided illegible copy and an enquiry is related to a fraud. American Express uses this chargeback reason code when a cardholder claims they did not participate in a transaction because their card was lost, stolen, or never received. When merchandise is picked up from your establishment, the American Express card should be presented, a valid signature, and imprint or swipe of the card obtained. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Chargebacks. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. EMV Liability Shift Non-Counterfeit Fraud. About Discover chargeback reason codes. 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. American Express Chargeback Reason Codes: The American Express reason code system is divided into same four subheadings used by Visa, along with an additional “Miscellaneous” category. P08 – Duplicate Charge. 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. American Express. Second, like Discover American Expresses uses alpha-numeric chargeback reason codes. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. It depends on the chargeback reason code associated with the dispute. George was surfing online and spontaneously decides to buy shoes for himself. American Express chargeback reason codes. UA06 Fraud – Chip and PIN Transaction. This list was generated 5/4/2022. Linda realizes the mistake of her employee when she receives a chargeback from the buyer’s bank under the Reason Code F22: Expired or Not-Yet Valid Card. In-Depth Analytics Identifier the real reasons for transaction disputes and solve concerns at their origin. Other Fraud—Card Present Environment. It is important to check the time limit in chargeback reason codes because it determines how long a cardholder has to initiate a chargeback after a transaction has taken place. Issuer is informed that the. 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. Category. Visa chargeback reason code 75 is filed as an honest mistake. The shorthand description is “Account Number Not On File. P05 – Incorrect Charge Amount. MyChargeBack is a registered trademark and a trading name of Cactil LLC, registered in Delaware, USA under company registration no. Card Network Reason Code Detail; VCR Dispute Reason Code 10. Then, click individual codes for tips on how to prevent and fight each one. You can fulfill this request by uploading the necessary documents within 14 days. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. It’s important. This code indicates the cardholder placed an authorized card-present transaction with a merchant but received one or more additional non-authorized transactions within the next fifteen minutes. About Discover chargeback reason codes. American Express Processing. The approved authorization amount is less than the amount of. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges and issuing banks must reverse a disputed transaction if the cardholder’s claim is. George buys a trial subscription of an online magazine. Mastercard Chargeback Reason Code 71: Disputed Amount. This potential fraud can occur when a reader is not EMV. 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. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. Amex Chargeback Reason Code C02: Credit Not Processed Description. A02. In certain cases American Express may issue an Upfront Chargeback. 6? Visa chargeback reason code 13. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. Card Member received written. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Be aware that Cartes Bancaires chargebacks with reason code 45 are not defendable. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. Learn which strategies to use as you fight and prevent consumer disputes by reason code. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. Additionally, Amex uses a fifth "Miscellaneous" category. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. Code. When a chargeback occurs, merchants have 30 days to initiate a representment request. 101. Chapter 4, "American Express Chargeback Process" This chapter provides information about the American Express Card chargeback process. A01. Based on the region in which you have set up American Express, you will receive reason codes from one of these columns:. 11/03/15 Updated these MasterCard Chargeback Codes: 08, 12, 31, 34, 42, 53, 55, 59, 60, 70, 71. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the. Every chargeback has an associated reason code that represents what the customer reported when filing the dispute. Additionally, Amex uses a fifth "Miscellaneous" category. The third digit indicates the specific reason within that category. What is Visa chargeback reason code 13. If you notice a duplicate transaction, issue a credit as soon as possible. ; Help Center Find answers to common questions about Midigator’s technology,. What is Mastercard chargeback reason code 4870?. Visa chargeback reason codes, for example, are numerals with decimals. July 2011 Chargeback and Exception Processing Guide 3 The Chargeback. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Fraud Chargeback Codes: 10. About American Express chargeback reason codes. The scam promises to give away $25 million worth of X tokens to anyone who sends a small amount of. Charge Amount Exceeds Authorization Amount. For Mastercard, the time limit is 45 days per phase, and with American Express, the response time frame is only 20 days per phase. American Express Chargeback Reason Codes. 1Here is what a chargeback response should look like for American Express Reason Code C08, when the transaction was made in a CNP environment and digital goods were purchased: Page 1: Summary of evidenceLike American Express, Discover may or may not send an inquiry before filing a chargeback, in which case merchants have 20 days to respond. American Express chargeback reason code C42. If the merchandise was returned in a way that doesn’t comply with your policies, provide a copy of the return policy, outline how you made the cardholder aware of the policy before the purchase, and explain how the rules weren’t followed. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the. But cardholders and merchants have different time limits. American Express Reason Code C02. The shorthand description is “Incorrect Amount. This chapter provides information about the Discover Card chargeback process. Mastercard gives you 45, and Discover gives you 30. However, this only applies to chargebacks designated with a “Fraud” reason code. 2 falls under the “Processing Errors” category. M49 Vehicle Rental – Theft or Loss of Use. What is Visa chargeback reason code 13. Fight; Inhibit; Recover; Success Story; Resources. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Chargeback Code Chargeback Reason; 10. PCI DSS v3. 104. What is Mastercard chargeback reason code 4807? Mastercard chargeback reason code 4807 falls under the “Authorization” category. 4808: This code can refer to: Account Number Not on File. There are simple steps you can take to. I created this guide to give you a quick resource to lookup American Express chargeback codes. ”. What is Mastercard chargeback reason code 4812? Mastercard chargeback reason code 4812 falls under the “Authorization” category. The American Express chargeback process starts with a Request for Information (RFI). 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. Learn more about American Express chargeback time limitsAutomate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. The two tables are displayed one above the other by default, showing the Adjustments table above the Chargebacks table. Mastercard, and American Express. her cards were charged and in fear of her mother she goes ahead and disputes the charge on the credit card under the Reason Code C14: Paid by Other Means. MasterCard: Reason Code 4859 Services not rendered. These reason codes explain the reason for the dispute. About Discover chargeback reason codes. Learn which strategies to use as you fight and prevent consumer disputes by reason code. About American Express chargeback reason codes. Reason Code Reason Description; 45: Fraud -Disputed transaction:Cardholder Disputes. If the cardholder claims to have refused delivery, provide proof that the goods or services were accepted. 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. C28. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 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. About American Express chargeback reason codes. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. First, AmEx and Discover act as both the card network and card issuing bank, whereas Visa and MasterCard do not issue credit cards directly. The new reason codes follow a format of two digits, a period, then a third digit. The merchant, unfortunately, forgets to submit the particular transaction due which the authorization expires. Appendix A, "Terminology" This appendix provides definitions of various terms used in this guide. 5, "Chargebacks and Inquiries Response Timeframe" • Relocated language from Section 2. About Discover chargeback reason codes. His mom later finds out an unknown charge on her account and calls. 3: Not as described or defective. 2. P05 – Incorrect Charge Amount. code table. The reason code of the RFI specifies why the cardholder disputed the transaction. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the. Fortunately, all major credit card networks provide clear information regarding chargeback reason codes. If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the. Fulfill all qualified cancellation requests promptly. here are some common chargeback codes used by American Express and their meanings: 100:. Section5. The cardholder does not recognize your name on their statement. Name (*) Email (*)What is Visa chargeback reason code 72?. What is Visa chargeback reason code 13. Or, the cardholder tried to cancel the transaction but was unable to. What is Visa chargeback reason code 13. The shorthand description is “Incorrect Account Number. On the Initiate Retrieval request screen, the following chargeback reason codes are displayed in the Chargeback reason list: Chargeback Reasons. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. ”. What is Visa chargeback reason code 13. R13 No Reply. F09. The acquirer or merchant has 30 days to respond to a chargeback filed under reason code PM. S. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. For chargebacks associated on damaged or defects items, the submission is 120 years from the day the item was received. About Discover chargeback reason codes. Originally, Discover acted independently. Once filed, the merchant. Once you hear from us, you’ll . The American Express reason code system is split into the same four subheadings used by Visa, along with a more “Miscellaneous” segment. P01 – Unassigned Card Number. (ACH) support article if you are looking for ACH Return Codes. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. 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. 4 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Description. American Express also imposes. What is Mastercard chargeback reason code 4841?. 3: Goods or services were not as described: C31: RM: 13. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue. S. American Express. PP-004-815-667-339 Reason for Dispute: Other Chargeback Reason Code: M38 . Analyze chargeback and alert data until dozens of metrics. Reason Codes Category 4: Processing Errors. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. . Download our 100+ page comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. July 2011 Chargeback and Exception Processing Guide 3 The Chargeback Cycle The chargeback cycle generally takes place in four basic phases:. American Express Credit Card Account Customer Service Department PO Box 981532 El Paso, TX 79998 FAX 623-444-3000 For fraud-related disputes: (Overnight/Signature Required) MAIL American Express Datamark, Inc. 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 of the cardholder’s claim. Visa, Mastercard, American Express, Discover and Diners Club, and all other card networks, provide cardholders with chargeback rights. ”. It is important for the merchant to know about the. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. MasterCard chargeback reason code 4540. What is Visa chargeback reason code 12. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. ”. You can learn more about each one by visiting the Mastercard Chargeback Guide. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Chargeback stands If you don’t reply in time or with the right documentation, the chargeback will stand. When merchandise is picked up from your establishment, the American Express card should be presented, a valid signature, and imprint or swipe of the card obtained. What is Mastercard chargeback reason code 4871?. (ICA numbers 102 through 125), the merchant exceeded the chargeback thresholds of American Express,as determined by American Express. 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. Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program,” are excluded from program monitoring. 4 — Other Fraud: Card-absent. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit. MATCH Reason Code Description; 01: Account Data Compromise An occurrence that results, directly or indirectly, in the unauthorized access to or disclosure of Account data. American Express Reason Code F14. What is Visa chargeback reason code 11. 6. About American Express chargeback reason codes. Reason codes are created by the major. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. Message Reason Codes on page 171 The Message Reason Code Description for 1501 has been changed from “ICC application application data file unable to pro-cess” to “ICC application data file unable to process. P01 – Unassigned Card Number. Each chargeback reason has its own, individual prevention techniques. FACS = Vantiv. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 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. au/merchant. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. American Express. If the merchant feels the chargeback has been issued in error, there is the opportunity for a chargeback reversal. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Chargeback reversal paperwork must be submitted within 20 days of the date the chargeback was issued. You may also provide other forms of evidence such as photographs, emails, etc. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Additionally, Amex uses a fifth "Miscellaneous" category. ADDL = Vantiv has the sales draft on file and is requesting additional documentation as required by 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. P04 – Charge Processed as Credit. EMV Liability Shift Counterfeit Fraud. Merchants should review these codes, track which ones they receive, and respond to inquiries and chargebacks with the appropriate supporting evidence relevant to each code. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Your chargeback response must include at least one of the following items: If you processed the transaction correctly, provide proof of the valid authorization approval. Amex Chargeback Reason Code FR2: Fraud Full Recourse Program Description. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. Scenario 1 — upfront chargeback. What is Visa chargeback reason code 41?. If the business does not respond within 20 days, the cardholder automatically wins the chargeback. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 05 – Good Faith Investigation Chargeback;american express chargeback codes 21 REASON CODE 4554 Goods And Services Not Received (continued) Requirements to The Merchant may also submit one of following items as Compelling challenge a dispute Evidence: (continued) ° Evidence that links the person who received the goods or services to the Card Member, e. Crypto recovery is more complex than credit card. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue. Let’s explore chargeback reason codes from the four leading credit card brands in the United States: Visa, Discover, Mastercard, and American Express. With that said, you still need to understand the reason codes with any chargebacks from Amex. In certain cases American Express may issue an Upfront Chargeback. Address Verification Service, or AVS, is one of the most widely used payment card fraud prevention tools among merchants in the US. Based on the region in which you have set up American Express, you will receive reason codes from one of these columns:. Once a chargeback has been decided, any party who wants to take the case to arbitration has. He orders a pair but delivery he finds out that it isn’t as per the description of. supporting documents that might reverse the. These four distinct reason codes are for the same chargeback scenario—the customer did not receive the item or service. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. The shorthand description is “Credit Not Processed. July 2011 Chargeback and Exception Processing Guide 3 The Chargeback Cycle The chargeback cycle generally takes place in four basic phases:. Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Once you hear from us, you’ll . The most comprehensive guide to chargeback reason codes. For card-present transactions, clearly disclose the cancellation policy on the transaction receipt. The major card networks (Visa, Mastercard, Discover, and American Express) established these codes to clearly identify the reason a chargeback was. With Visa transactions, for instance, 3DS would prevent chargebacks from being filed using reason code 10. Reason Code Reason Description; 45: Fraud -Disputed transaction:Reason codes vary by card brand. ”. have 20 days to respond. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. Visa and American Express, in most cases, give merchants 20 days. How To Win. The shorthand description is “Credit/Debit Processed Incorrectly. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. American Express Chargeback Clock Limits: The 2023 Guide. American Express Chargeback Reason Codes. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes. The shorthand description is “Warning Bulletin File. 2? Visa chargeback reason code 11. Reason Code: Explanation: Incorrect Card Number: American Express P01, P22; Discover IN; Mastercard 4808; Visa 12. Simply click on the blue reason and code on any line item and a detailed description of the reason will appear. American Express Chargeback Reason Codes. The fees associated with American Express chargebacks can vary depending on the type of chargeback and the reason code. About Discover chargeback reason codes. Scenario 1 — upfront chargeback. Incorrect TransactionUnder certain conditions, the chargeback processing period can be as many as 540 days. ”. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. What is Visa chargeback reason code 13. Merchants may be charged a non-refundable dispute fee, and if the chargeback is upheld, a chargeback fee may. [noun]/* rə • trē • vəl • rə • kwest/. At this point, funds are not yet deducted from your account. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. Blog and Articles; Chargeback Reason Codes; BIN Look-up;. All Rights. 5 falls under the “Consumer Disputes” category. Learn which strategies to use as you fight and prevent consumer disputes by reason code. American Express Draft Retrieval Reason Codes 19 Appendix E American Express Chargeback Reason Codes 32 Appendix F Discover Chargeback Reason Codes 41 . Ideally, you want in prevent chargebacks in the first place over properly utilizing anti-fraud tools and gift easy cancellations. DESCRIPTION. In many cases disputes are incorrect and the Charge stands. American Express uses letters to categorize each reason code by chargeback description or reason. Code 10. The merchant denies the cancellation within the time frame and refuses the refund. Thinking it as a fraud he disputes the amount under the Reason Code F29: Card Not Present. Scenario 2. Even learning all the terms and rules won’t keep you. He orders a pair but later realizes that he is short on money for the month. Evan Spicer, MyChargeBack’s Director of Cryptocurrency Investigations, writes that a new scam is targeting fans of Elon Musk’s latest project, X, a revolutionary platform that aims to connect humans and machines. American Express. American Express uses unique codes to explain those reasons to merchants. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. Visa and American Express, in most cases, give merchants 20 days. Once filed, the merchant. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. 7: Defective goods and services: C32: RM: 13. Amex Authorization Chargeback Reason Codes A01 — Charge Amount Exceeds Authorization Amount. 1 Inquiry or Chargeback with supporting documents. What is Visa chargeback reason code 10. ”. American Express chargeback reason codes are separated into five sections: Authorization, Fraud, Card Member Dispute, Processing Error, and Inquiry/Miscellaneous. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are. Chapter 3: Chargeback Reason Codes Guide; Chapter 4: American Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Reason Codes; Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10:. Removed Revolution Card section and retired reason codes. C‚A DFDLIONCFKNQLOFC. American Express Chargebacks / Disputes. If you lose your credit card or notice unauthorized charges on it, you can cancel it, contact the bank that issued the credit card and have your charges reversed and returned to you. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. What is Visa chargeback reason code 12.