The list of chargeback reason codes in this article is organized by card brand and type of dispute. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. Chargeback is for debit AND credit cards and can be used on any amount – Section 75 only applies to credit cards and for certain amounts. The only exception is when the 15-days period exceeds the chargeback filing deadline. However, it’s important to have this documentation on hand so you can. 5 Visa Fraud Monitoring Program Authorization Reason CodesThe issuing bank assigns each case a code according to the consumer’s claim, and the merchant must adhere to the time limits for that specific 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 is valid. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. Chargebacks were first established for credit cards by the Fair Credit Billing Act of 1974, with chargebacks for debit cards coming with the Electronic Funds Transfer Act of 1978. Review the code to learn the reason for the chargeback and any other pertinent details. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Category. 3 days to respond to pre-arbitration requests. [noun]/cē • vē • vē • tö • kōd/. Sometimes, eBay may determine on their own that a chargeback is invalid and dispute it regardless of the seller’s instructions, but when they do this the dispute fee is waived. 4 applies when a cardholder disputes a credit card charge made in a card-not-present environment. Chargeback Reason Codes In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Claims Resolution. Chargeback Reason. Cardholder number (or credit card number) for the transaction. Most banks make submitting a chargeback extremely simple. A08 Authorization Approval Expired. Reason codes are important to help merchants address recurring. Once the 16-digit virtual card number is generated, tap “accept. 5% of all monthly transactions), then it signals one of two things: A chargeback occurs when a customer questions a credit card transaction and asks their bank to reverse it. This will help merchants avoid further losses from the same compromised credit card. Below is a list of VISA chargeback codes. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. Chargebacks with a “paid by other means” reason code are the result of a simple mistake on the part of the merchant. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. 5 (previously under reason code 53) applies when a cardholder claims the merchant misrepresented the terms of a sale. This liability shift essentially provides merchants. 11, 16 NovemberChargeback Reason Codes. We say the given reason because it may or may not reflect the true. On eBay, the chargeback process is not the only recourse buyers have. The second is friendly fraud, where a cardholder falsely claims a legitimate charge was unauthorized. 3-D Secure. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. Step 1: First Chargeback. Keep in mind that these are calendar days, not business days. 40 C08 Goods/services not received. Take the time to note the following dispute reason codes for Visa. 0, the data will be more accurate. Some credit card companies also include a short phrase describing the code and chargeback. 4 chargebacks? There are two common causes of code 10. Be transparent about your products. Let’s look at the normal process of a chargeback: 1. 4853 - Cardholder Dispute; How to Respond. Description. The Disputed Chargeback fee for representation is $20 per chargeback. 1 is an updated version of legacy reason code 74, which was phased out under the Visa Claims Resolution initiative. A dispute or chargeback retrieval request is a request from a cardholder to the card issuer for a copy of the original transaction receipt. 4: Other Fraud–Card-Absent Environment. have experienced credit card fraud, and more than a third of all cardholders have been victimized by card fraud more than once. EMV has been a mostly global standard since 2004. facebook. Shopify’s. Case number assigned to the chargeback. The exact time frame will vary based on factors such as the reason code or the card network. 0: 3DS2 is the technology behind automated fraud detection programs that compare over 100 data points to verify the buyer as the. For example, here are reason codes from each major credit card company: Visa: Reason Code 30 Services not provided or merchandise not received. Updated these. Each credit card network has its own chargeback process, reason codes, and other differentiating details. Merchants in the credit repair industry can fight chargebacks by keeping thorough records, including signed service agreements, invoices, receipts, and records of any communication with customers. How can merchants fight code 4837 chargebacks? Merchants can fight code 4837 chargebacks by providing evidence that the charge was authorized, such as signed delivery confirmation or records showing the cardholder downloaded or used a digital purchase. To subscribe and learn more about the free online chargeback management system, or contact Chase Paymentech Client Services at 1. Chargeback Reason. Here are a few examples of the ways in which MCC codes can come into play: You possess a credit card that offers 2% cash back on dining. To make matters worse, the consumer that had their card stolen will also call their credit card-issuing bank and hit you with the chargeback against the $2,000 charge. The list of steps below illustrate how to initiate a Ally Financial (USA) chargeback. P01 – Unassigned Card Number. The purpose of the FCBA was to protect cardholders from fraud and unfair billing practices. Credit Card Dispute. 2. Ensure that your documentation is relevant to the case, as Amazon forwards all data received from you to the customer’s bank or credit card company. 2: EMV Liability Shift Non-Counterfeit Fraud Visa Chargeback Code. A credit card chargeback is a charge that’s refunded to you after you successfully dispute a credit card transaction. 2. A chargeback occurs when customers report or dispute a charge with their debit or credit card issuer, causing them to issue a refund. Depending on the reason code. Mastercard chargeback reason code 4853 is one of the numeric labels assigned by banks to each customer dispute, indicating the given reason for the claim. Updated Oct 23, 2023. The chargeback report shows the status of all chargeback disputes. With a chargeback, funds are held from businesses until payment card issuers decide what to do. Decoding the PayPal Dispute vs. Code. In some circumstances, Mastercard allow consumers to reverse a credit card transaction by filing a chargeback. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. 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. Become a Full-Fledged Chargeback Genius. Here's a rundown of the most common decline codes: 51 - Insufficient funds: At the time authorization was requested, the customer’s account did not have sufficient funds to cover the transaction. For a debit card, the fraud liability is $500 if reported within 60 days. S. have experienced credit card fraud, and more than a third of all cardholders have been victimized by card fraud more than once. Mastercard chargeback reason code 4834 applies for a specific type of customer payment dispute. The first is true fraud, where someone used stolen credit card or account information to make a purchase. Canceled Recurring Billing. 0 is to make the chargeback process more efficient, transparent, and fair. Mastercard Chargeback Reason Code 4808 – Required Authorization not Obtained. Credit card receipts contain key information about credit card purchases such as the name of the merchant and the date, time and amount of a transaction. ” Improving the chargeback system will be helpful to acquirers, not just merchants. MasterCard Chargeback Reason Codes: Authorization Issues (Codes 3000 - 3011)Definition, How to Dispute. But first, here are the two most common types of consumer chargeback fraud. Fines exceeding $10,000 can also be levied against businesses where monthly chargeback rates go over a certain number. The problem continues to grow out of control with each year. Each reason code is composed of a two-, four-, or three-digit number and a short phrase that describes the chargeback (these elements will vary, depending on the credit card company). For example, authorization code 10 indicates. If a customer asks to use another form of payment after the Visa card transaction has been processed, credit from the original. It established that consumers are not obligated to pay for billing errors, unauthorized transactions, defective or missing goods, or fraudulent charges. A02 No Valid Authorization. A concern for businesses is the fact that chargebacks have been increasing by 20% year over year. Card networks like Mastercard allow cardholders to dispute a credit card transaction by filing a chargeback under certain circumstances. 6. There are two main types of fraud when it comes to chargebacks: credit card fraud and friendly fraud. 9 is slightly narrower in scope. These codes can affect the interchange fees (or tiered fees) you are charged for credit card transactions. If the numbers don't match, call your Automated Voice Authorization Center and tell the operator that you have a "Code 10" authorization and that. [noun]/THrē • dē • sə • kur/. American Express Chargebacks / Disputes. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that included removing certain restrictions from. Debit Card vs. A credit card dispute, also known as a credit card chargeback, occurs when a customer disputes a transaction with their issuing bank. Visa has four dispute categories, and a reason code from one of these four categories must be attached to each claim:. • If the card is present at the time of sale, be sure to compare the credit or debit card account number on an electronically printed draft to the credit or debit card number embossed on the card. How can merchants fight code 12. The code is used to help verify buyers during a card-not-present transaction. Code. The card network then notifies the merchant’s acquiring bank about the chargeback and passes along all the collected information. Visa chargeback reason code 71 falls under the “Authorization” category. A Bank Identification Number (BIN) is a four to six digit code contained within every credit and debit card number. In some cases it can be upwards of 540 days, though, depending on. There are over 50 chargeback reason codes between all the major card brands. For example, Mastercard has a code which indicates a ‘consumer dispute. In broad terms, representment refers to the process of fighting a chargeback. The cardholder files a chargeback – The chargeback process begins when a dissatisfied customer files a chargeback request with the card company. Square’s chargeback fee: $15 to $25. M49 Vehicle Rental – Theft or Loss of Use. Here's what you need to know about the chargeback process. Fines exceeding $10,000 can also be levied against businesses where monthly chargeback rates go over a certain number. Authorization reversals, refunds, and chargebacks are all forms of payment reversals. Chargebacks are also known as payment disputes. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of. Learn more about Visa. Genuine mistakes happen. The Fair Credit Billing Act (FCBA) of 1974 created chargebacks. The only resource you need to become an expert on chargebacks, customer disputes, and friendly fraud. However, card networks sometimes tailor these codes to better fit their specific needs. cardholder claims that they do not recognize the transaction and states that they did not authorise the charge to their credit card. Discover Chargeback Reason Codes Explained. In addition, the definition of credit card chargeback fraud is not related to the behavior of the merchant but the customer. 4: Counterfeit Merchandise. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous. Friendly fraud has been increasing by 41 percent every two years. This is not always as straightforward a process as it might seem. Learn More about Discover Chargeback Reason Code NC: Not Classified A chargeback is a safety net designed for cardholder’s security. Chargebacks are not a legal right, but if you have paid on a Visa debit or credit card, you. Without the card, fraudsters won’t know the code. The first is true fraud, where someone used stolen credit card or account information to make a purchase. A retrieval request—sometimes called a “soft chargeback”—is a method of obtaining a copy of the paperwork to validate a transaction. Tips to help minimize Chargebacks: Here are some reminders that may minimize your risk of Chargebacks. Chargebacks are also known as "charge disputes" and reversals, and they can be filed for a variety of reasons, including unauthorized use of the credit card. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. The Visa chargeback process is broken into phases. Here’s how they work. 8, which indicates a disputed transaction that the cardholder does not believe they should be responsible for receiving. 2, which specifically deals with transactions billed by other means. In broad terms, representment refers to the process of fighting a chargeback. Chargeback. 1001 - Cardholder does not recognize the transaction. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. Chargebacks differ from standard return requests in several ways. The primary difference between credit card chargebacks and those involving ACH payments is that the customer has only 90 days from the date of the transaction (or 60 days from receipt of the. Otherwise, the Discover card chargeback time limit starts at the transaction processing date. (3) By 2023, each chargeback case will cost. Generally, chargebacks occur between a merchant and a credit card issuing bank or a. You'll learn about the major categories of chargeback reason codes: fraud, authorization errors, processing errors, customer disputes; You'll learn about the usual types of chargeback reason codes due to fraud (not authorised or recognised transactions, fraudulent processing, monitored merchant or monitored card, the EMV liability shift);. In addition to losing the amount that. To dispute a credit card chargeback, you should first review the reason code and details provided by the card issuer to understand the basis for the chargeback. Time limits, reason codes, fines and fees… are all established types of chargeback rules. Chargeback reason code 13. This is perhaps the most common claim associated with disputes and chargebacks. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. . 5% savings interest!* Conditions apply. US federal law stipulates that credit card issuers provide at least 60 days for customers to file chargeback requests, and you may get up to 120 days, depending on the reason for the chargeback. Top chargeback fraud statistics. It was originally just one facet. Chargeback fees are not based on the cost of the initial transaction, and they’re imposed by the bank. Category. 7 Chargeback Reason Code List - U. Chargeback fraud, also known as friendly fraud or liar-buyer fraud, occurs when a consumer makes an online shopping purchase with their own credit card, and then requests a chargeback from the issuing bank after receiving the purchased goods or services. Nerdy takeaways. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. When the cardholder’s card is swiped or their chip is inserted into your EMV reader. Chargeback reason code 10. Codes 51 (insufficient funds) and 05 (do not honor) are especially common. 1 Card Recovery Bulletin or Exception File. 14 - Invalid Card Number. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. 800. This chargeback occurs when the cardholder does not recognize the transaction on their credit card statement. A chargeback isn’t just a single event. Discover is a credit card network and an issuing bank—just like American Express. A refund comes directly from a merchant, while a chargeback comes from your card issuer. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. 2 – EMV Liability Shift Non-Counterfeit Fraud. It’s a process, one that can be lengthy and convoluted for all parties involved. For American Express; For Visa; For Mastercards; Chargeback Reason Codes List for American Express Each credit card brand has a unique set of chargeback codes, totaling over 100. Chargeback reason code 12. 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. 14 - Invalid Card Number. 2 Chargebacks: Prevention and Response. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. The issuing bank received a claim from the cardholder, acknowledging that he or she participated in at least one. Unauthorised: Card-Not-Present (CNP) transactions. Canada reached $11. For example, a technical issue, such as no authorization approval code received. This process occurs strictly between the two banks. How can merchants fight code 12. Chargebacks occur when a customer disputes a transaction with their credit card issuer, and the funds are returned to the customer. Step #4. If the charge has not yet been settled, it’s better to use a void. The submitted transaction did not receive a valid approval code. The bank files that disagreement on the cardholder’s behalf, overturning the sale, then claws the funds back from the merchant and. Overdrafts also can damage your credit. Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. 4 chargebacks with evidence that the goods in question are genuine or documentation showing the cardholder has already been refunded. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. There are several different methods for obtaining a credit card payment reversal. What Laws Govern the Chargeback Process? Federal regulation of credit card transactions started with the 1968 Truth in Lending Act (TILA). Chargeback representment is a powerful tool you can use to contest illegitimate chargebacks and potentially win a reversal. Chargeback Codes 31. Reason Code 02: Common Point of Purchase: Account data is stolen from the card-present merchant and used with other merchants: 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. If the card validation code 2 (CVC 2) was provided in the authorization request/0100 message and the card validation code result (DE 48, subelement 87. Chargeback representment is the process through which merchants can submit evidence to prove that a chargeback is illegitimate. Will fluctuate depending on the claim The cardholder may also initiate this chargeback up to 365 days from the ordering date for the credit card transaction, Debit Card Transactions and Prepaid Identity Known Card Transactions. Explore different Visa chargeback reason codes and find out how to prevent chargebacks with Visa transactions. The chargeback reason code is [code number and description]. Fraud. With each chargeback, the customer’s bank specifies a reason code. It may also result when a sales transaction violates the rules established by the Payment Brands. eCommerce grew too fast for the payments industry to respond. In cases of credit card fraud, the cardholder’s liability is limited to no more than $50. Chargebacks differ from standard return requests in several ways. It is subject to change and may not include every currently known dispute reason code. The merchant accidentally charged the customer twice. 4 chargebacks? There are two common causes of code 10. Both parties can still file a. Visa Chargeback Code Condition 10. Visa Reason Code 12. 10. 4846. Billing issues: Duplicate billing, incorrect amount billed, or promised refund never issued. They may investigate, reverse the chargebacks,. 3. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. Customers cannot dispute pending credit card transactions; they have to wait for it to actually post to their account before they can initiate a dispute. About 127 million people in the U. Discover - UA02 Fraud – Card Not Present Transaction. Approval messages are usually straightforward, but there are some which contain additional important information. 10. It identifies the financial institution that issued the card. It can have serious consequences for the perpetrator. Calculating chargeback fees, lost merchandise, and other drains on revenue, the average chargeback will cost merchants $3. The AVS response code provides you with information about the outcome of the AVS check. The list of situations that may warrant a chargeback is broken down into designated “reason codes. Visa has its own set of chargeback reason codes. a) Code 75 (Cardholder Does Not. The sales receipt and/or date and amount of the authorization if other than the transaction date. Disputing a chargeback claim. 1 chargeback: The merchant failed to ship the merchandise or provide the service as agreed. If they rule against the retailer, funds are returned to the. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. This code was phased out under the Visa Claims Resolution initiative. So the company has more incentive to side with customer during cardholder disputes. 75 - Transaction not Recognized. Therefore, any transaction with a merchant designated with MCC code 5812, representing restaurants,. Every cardholder’s favorite transaction type—a refund transaction—is when a credit is processed to return funds to the cardholder’s account. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. [noun]/* kre • dǝt • kard • dis • pyōōt/. Fraudulent transaction chargebacks happen when a cardholder does not recognize a charge on their card. In short: yes. Before approving a chargeback, issuers need to wait 15 calendar days, beginning from the moment the customer returns an item. The start date for that window can vary, though. Capital One's. Chargebacks filed with reason code 4850 must be processed either: 120 days. It also you to upload evidence to fight a Discover chargeback. Visa chargeback reason code 13. 4 Fraud – Card-Absent Environment. Fortunately, all major credit card networks. You won’t be. Chargeback Scheme. 461 trillion in purchase volume in 2021. 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. A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. Credit Cards. 2022 Visa Chargeback. This is generally because the cardholder is dissatisfied with only part of an order, and wants a refund just for that amount. However, under certain circumstances, you may not be charged the Disputed Chargeback fee. This code is unique—at least currently—in that Visa has since split it into two separate categories: 12. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. 60 for every $1 in sales. You can request a chargeback from the bank that issued the card If: The transaction was unauthorized. 1. This extra step can be frustrating for Card Members and lead to lost sales. How can merchants fight code 13. (833) 622-7283. In addition to the transaction detail for the chargeback (card account number, transaction amount, transaction date, etc. That seems unfair, but it makes sense. Retrieval Request/ Copy request Reason Codes. 2. 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. Primary Menu. While that list is too long to cover here, we wanted to address the most commonly abused reasons for a credit card chargeback dispute and how to fight chargebacks. This factsheet provides information about COVID-19 and chargebacks, including:The most comprehensive guide to chargeback reason codes. 15-Day Waiting Period on Returns. For the sake of simplicity and standardization, card networks like Visa have created a breakdown of the acceptable causes for a customer to dispute a credit card transaction by filing a chargeback. The cardholder claimed they didn’t receive the goods or services or only partially received the order. The most comprehensive guide to chargeback reason codes. The issuing bank will evaluate the evidence provided and, if they find it compelling, reverse the chargeback. AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. Additionally, Discover uses a fifth "No Classified" category. S. 2. The credit card issuer—which could be their bank, Visa, Discover, Mastercard, or American Express—will then assign a reason code to the chargeback. 3 is an updated version of legacy reason code 53, which was phased out under the Visa Claims Resolution initiative. . FR4 Immediate Chargeback Program. The chargeback is ordered by the bank that issued the consumer's payment card. With a chargeback, funds are held from businesses until payment card issuers decide what to do. If the dispute is successful, funds are taken from your merchant account and a strike is made against your business. 4 chargebacks. Reason Code 11. Added these Discover. Credit Card Chargeback Time Constraints. Chargeback fraud isn’t only a risk to the merchant. 5 - Visa Fraud Monitoring Program: Visa flagged the transaction under the Fraud Monitoring Program, and the issuer has not filed a chargeback under another reason code. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Chargeback fraud is more likely to result in a civil case than a criminal one. Learn more about Mastercard chargeback reason codes. g. The “Cardholder Number” is the series of digits used to identify the cardholder, issuer and card brand. Remember: A PayPal transaction dispute is an internal matter between two PayPal users, and a PayPal claim is handled by the company directly. Generally speaking, a chargeback cost will range from $15 to $50 depending on the payment processor. Fraud Reason Codes Current Reason Code New VCR Reason Code 62(2) 10. Chargeback Reason Codes. 10. F22 Expired or Not Yet Valid Card F24* No Card Member Authorisation F29 Card Not Present Chargeback Code Type: Card Member Dispute C02 Credit (or Partial Credit) Not Processed C04. So if you've paid for something on your debit card or for something on your credit. Card Member Dispute. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. 7 trillion in payment transactions in 2022 (that’s more than $475 billion every business day), and credit cards represent 33% of that payment. If a person does it too much and the CC company expects chargeback fraud at the minimum they will cancel the CC for excessive or suspect chargebacks. Chargeback fraud costs sellers over $20 billion in 2021. Goods/Services Not Received or Only Partially Received. app@chargebackexpertz. Card. A chargeback is a reversal of funds following a debit or credit card purchase, prompted by the customer filing a dispute over the charge with their bank or credit card provider. This code relates to and authorizes a specific sales transaction. As we can demonstrate, this transaction was for the legitimate purchase of [description of item] from our store [or online store] on [transaction date]. A credit card dispute, also known as a credit card chargeback, occurs when a customer disputes a transaction with their issuing bank. Here are a few examples of chargeback fees by popular payment processing providers: Paypal’s chargeback fee: $20. For the sake of simplicity and standardization, card networks like Visa have created a breakdown of the acceptable causes for a customer to dispute a credit card transaction by filing a chargeback. American Express Credit Card Account . Once approved, the chargeback cancels the financial transaction, and the. PayPal is one of the world’s largest and most recognizable payment companies. Under U. The average chargeback fee is around $25. 11. Works in any industry. Please note that each card network (MasterCard, VISA, American Express, etc. The aim of CE 3. Visa remains to be one of the most influential credit card networks within the United States and the rest of the world. Discover uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. which are applied to disputes by the banks that issue credit and debit cards under their brands. The cardholder claimed. Some MCC codes don’t offer the same chargeback protections to customers. 4808 Authorization-Related Chargeback.