Dispute Reason Codes

The table 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	Category	Description
10.1	EMV Liability Shift Counterfeit Fraud	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	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	Fraud	Your customer did not authorise or participate in the transaction.
10.4	Card Absent Environment	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	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	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	Authorization	The transaction received a Declined / Pick-up Card response, yet you continued with the payment.
11.3	No Authorisation	Authorization	The correct and valid authorisation of the customer was not obtained.
12.1	Late Presentment	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	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	Processing Errors	Involves processing the incorrect currency.
12.4	Incorrect Account Number	Processing Errors	This reason code typically relates to PIN transactions and not ECOM. Contact support@acquired.com for more information.
12.5	Incorrect Amount	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	Processing Errors	You have processed the same transaction twice and as such, debited funds twice.
12.7	Invalid Data	Processing Errors	Your customer did not authorise or participate in the transaction.
13.1	Merchandise/Services Not Received	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	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	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	Consumer Disputes	The customer has claimed that the goods and services provided were counterfeit.
13.5	Misrepresentation	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	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	Consumer Disputes	Your customer has claimed you have charged them after a service was cancelled.
13.8	Original Credit Transaction Not Accepted	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 `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	Consumer Disputes	This reason code is only applicable to ATM transactions.
4802	Requested/Required Information Illegible or Missing	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	Authorization	The customer’s `issuing_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	Authorization	The transaction 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	Authorization	The `issuing_bank` received a transaction with an account number that does not match any account numbers on file for the cardholder.
4831	Transaction Amount Differs	Point-of-Interaction Error	The cardholder filed 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	Point-of-Interaction Error	You have processed the same transaction twice and as such, debited funds twice.
4837	No Cardholder Authorization	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	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	Cardholder Disputes	Your customer withdrew permission to process payments from 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	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	Point-of-Interaction Error	Involves processing the incorrect currency.
4849	Questionable Merchant Activity	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)	Point-of-Interaction Error	The cardholder claims an installment charge to their account was made incorrectly.
4853	Cardholder Dispute - Defective Merchandise/Not As Described	Cardholder Disputes	Cardholder's will often claim that the goods or services were defective or improperly marketed, which entitles them to a dispute.
4854	Cardholder Dispute - Not Elsewhere Classified (US Region Only)	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	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	Cardholder Disputes	The cardholder claims they are not responsible for an addendum, no-show, or ATM dispute.
4860	Credit Not Processed	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	Fraud	Cardholder does dot recognise the transaction - flagged as potentially fraudulent.
4870	Chip Liability Shift	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	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)	Point-of-Interaction Error	Responses to these disputes are varied based on the details provided from the cardholder and issuer.