Dispute Reason Codes

The tables below details the list of possible issuer response codes you may encounter when processing.

Dispute Reason Codes

Search for Card Dispute Reason Codes:


Code Message Scheme Category Description
10.1 EMV Liability Shift Counterfeit Fraud VISA Fraud Your customer has claimed they did not participate in the transaction processed – the card used was counterfeit and/or the acquirer did not transmit all of the card data to Visa.
10.2 EMV Liability Shift Non-Counterfeit Fraud VISA Fraud Your customer has claimed their card has been stolen and it was used in a fraudulent transaction.
10.3 Other Fraud - Card Present Environment VISA Fraud Your customer did not authorise or participate in the transaction.
10.4 Card Absent Environment VISA Fraud Your customer did not authorise or participate in the transaction or the transaction was completed for a “card not present” transaction and no authorisation was obtained from the customer.
10.5 Visa Fraud Monitoring Program VISA Fraud Visa notified the issuing bank the transaction processed has been identified by the Visa Fraud Monitoring Program and a dispute has not been successfully raised under a different reason code.
11.1 Card Recovery Bulletin VISA Authorization The customer’s account that has been processed has been listed in Visa’s Card Recovery Bulletin for the region your account is located.
11.2 Declined Authorisation VISA Authorization The transaction received a Declined/Pick-up Card response yet you continued with the payment.
11.3 No Authorisation VISA Authorization The correct and valid authorisation of the customer was not obtained.
12.1 Late Presentment VISA Processing Errors You did not collect funds from the customer in the allotted time and the account was not in good standing or the transaction date is more than 180 days before the processing date.
12.2 Incorrect Transaction Code VISA Processing Errors You may have processed the transaction via the incorrect MID. For example, a VT transaction via your ECOM MID.
12.3 Incorrect Currency VISA Processing Errors Involves processing the incorrect currency.
12.4 Incorrect Account Number VISA Processing Errors This reason code typically relates to PIN transactions and not ECOM. Contact support@acquired.com for more information.
12.5 Incorrect Amount VISA Processing Errors This reason code typically relates to an ATM transaction and not ECOM. Contact support@acquired.com for more information.
12.6 Duplicate Processing/Paid by Other means VISA Processing Errors You have processed the same transaction twice and as such, debited funds twice.
12.7 Invalid Data VISA Processing Errors Your customer did not authorise or participate in the transaction.
13.1 Merchandise/Services Not Received VISA Consumer Disputes Your customer did participate in the transaction, however they did not receive the goods or services that were purchased.
13.2 Cancelled Recurring VISA Consumer Disputes Your customer withdrew permission to charge their account on a recurring basis OR the transaction amount was not previously agreed with the customer and you failed to formally communicate the amount to the customer.
13.3 Not As Described or Defective Merchandise/Services VISA Consumer Disputes The goods and services provided did not match the description as provided at the time of the transaction and / or the goods and services provided were deemed defective.
13.4 Counterfeit Merchandise VISA Consumer Disputes The customer has claimed that the goods and services provided were counterfeit.
13.5 Misrepresentation VISA Consumer Disputes The customer has claimed that the goods and services provided were not a fair representation of what was advertised at the time of the transaction – for example, false advertisement.
13.6 Credit Not Processed VISA Consumer Disputes The customer cancelled or returned the goods and services provided within the cancellation period according to policy at the time of the transaction OR a the CREDIT transaction was not accepted because the customer refused the transaction or the customers issuing bank did not accept the CREDIT as it may be prohibited in their region.
13.7 Cancelled Merchandise/Services VISA Consumer Disputes Your customer has claimed you have charged them after a service was cancelled.
13.8 Original Credit Transaction Not Accepted VISA Consumer Disputes The customer cancelled or returned the goods and services provided within the cancellation period according to policy at the time of the transaction OR a the CREDIT transaction was not accepted because the customer refused the transaction or the customers issuing bank did not accept the CREDIT as it may be prohibited in their region.
13.9 Non-Receipt of Cash or Load Transaction Value VISA Consumer Disputes This reason code is only applicable to ATM transactions.
4802 Requested/Required Information Illegible or Missing Mastercard Authorization This code indicates that the merchant has failed to provide all the necessary information, or some of the information is not legible.
4807 Warning Bulletin File Mastercard Authorization The buyer’s bank received a transaction for which the authorization was not obtained. The reasons of such code could be: not obtaining an authorization for a transaction or, for card present or obtaining it after the date of transaction.
4808 Requested/Required Authorization Not Obtained Mastercard Authorization the charge did not go through because of authorization issues. This is common when authorization is invalid or incorrect (wrong account information, pin, etc.), the transaction was processed after authorization for the card was declined, the account number doesn’t match any numbers on the acquirer’s file, or the card has expired.
4812 Account Number Not On File Mastercard Authorization The issuer received a transaction with an account number that does not match any account numbers on file for the cardholder.
4831 Transaction Amount Differs Mastercard Point-of-Interaction Error The cardholder filled a dispute stating that the merchant billed an incorrect amount for the purchase authorized. It can also happen if the cardholder disputes the method of payment used.
4834 Duplicate Processing Mastercard Point-of-Interaction Error You have processed the same transaction twice and as such, debited funds twice.
4837 No Cardholder Authorization Mastercard Fraud Your customer did not authorise or participate in the transaction or the transaction was completed for a “card not present” transaction and no authorisation was obtained from the customer.
4840 Fraudulent Processing of Transactions Mastercard Fraud This code will be used if a cardholder who has made a purchase with a certain merchant in the past claims that a fraudulent purchase was made while the card was in the cardholder’s possession at the time of the transaction.
4841 Cancelled Recurring Transaction Mastercard Cardholder Disputes Your customer withdrew permission to charge their account on a recurring basis OR the transaction amount was not previously agreed with the customer and you failed to formally communicate the amount to the customer.
4842 Late Presentment Mastercard Point-of-Interaction Error MasterCard uses reason code 4842 for late presentment chargebacks if the cardholder's account is permanently closed and the acquirer presents transaction after one of the predetermined time limits.
4846 Correct Transaction Currency Code Not Provided Mastercard Point-of-Interaction Error Involves processing the incorrect currency.
4849 Questionable Merchant Activity Mastercard Fraud The acquirer processed a transaction for a merchant that later was listed in a MasterCard Global Security Bulletin for violating GMAP, QMAP, or reported to SAFE.
4850 Instalment Billing Dispute (Brazil Only) Mastercard Point-of-Interaction Error The cardholder claims an installment charge to their account was made incorrectly.
4853 Cardholder Dispute - Defective Merchandise/Not As Described Mastercard Cardholder Disputes Cardholders will often claim that the goods or services were defective or improperly marketed, which entitles them to a chargeback.
4854 Cardholder Dispute - Not Elsewhere Classified (US Region Only) Mastercard Cardholder Disputes The cardholder claims they are unhappy with the goods or services provided and that they have been unable to resolve the situation with the merchant.
4855 Goods or Services Not Provided Mastercard Cardholder Disputes Your customer did participate in the transaction, however they did not receive the goods or services that were purchased.
4859 Change to Addendum, No-Show, or ATM Dispute Mastercard Cardholder Disputes The cardholder claims they are not responsible for an addendum, no-show, or ATM dispute.
4860 Credit Not Processed Mastercard Cardholder Disputes The customer cancelled or returned the goods and services provided within the cancellation period according to policy at the time of the transaction OR a the CREDIT transaction was not accepted because the customer refused the transaction or the customers issuing bank did not accept the CREDIT as it may be prohibited in their region.
4863 Cardholder Does Not Recognize - Potential Mastercard Fraud Cardholder Does Not Recognize - Potential Fraud
4870 Chip Liability Shift Mastercard Fraud The cardholder claims they were in possession of a valid card on the date of transaction or they did not authorize or participate in the transaction. For counterfeit transactions only, the liability will remain with the party that does not invest in chip technology, regardless of transaction amount.
4871 Chip/PIN Liability Shift Mastercard Fraud The cardholder claims they were in possession of a valid card on the date of transaction or they did not authorize or participate in the transaction. For counterfeit transactions only, the liability will remain with the party that does not invest in chip technology, regardless of transaction amount.
4999 Domestic Chargeback Dispute (Europe Region Only) Mastercard Point-of-Interaction Error Responses to these disputes are varied based on the details provided from the cardholder and issuer.