They must respond within 30 days at each phase, or 10 days for arbitration. As a rule, “Fraud” and “Authorization” disputes enter straight into the “Pre-Arbitration” stage. MDR removed some reason codes completely, including code 4863 – Cardholder Does Not Recognize. It was originally one of several possible scenarios covered by legacy Visa reason code 83. 1 – CBK: EMV Liability Shift Counterfeit Fraud 10. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Select a tab to see the possible. Company. 1? Visa chargeback reason code 12. 0 standard that has specific defense requirements for chargebacks with this reason code. 4 chargeback by showing at least one transaction from any time period in which the IP address, email address, physical address, and telephone number match the details of the disputed transaction. Additionally, the corresponding fraud report must be accurately identified as Fraud Type 4—Counterfeit, and acquirers have a representment right if the fraudCharge-back Reason Codes VISA ® 10. The client can send Paymentology a list of disputes, using a predefined batch chargeback submission template that has been requested to chargeback. 0 program provide the same rules and policies for 3-D Secure 2. M49 Vehicle Rental – Theft or Loss of Use. Phase 4. The merchant did not receive any returned merchandise. 1: EMV Liability Shift Counterfeit Fraud: 10. 4808 – Authorization-Related Chargeback – Cardholder-Activated Terminal (CAT) 3 Device. 13. The shorthand description is “Duplicate Processing. Visa organizes chargeback reasons into six basic categories — non-receipt of information, fraud, authorization error, processing error, canceled or returned merchandise, and non-receipt of goods or services. 13. The shorthand description is “Counterfeit Transaction. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). You’ll find information on reasons codes for all the main card brands here. 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. We know the reason codes and chargeback guidelines. The shorthand description is “Invalid Data. This chargeback reason code was retired by Visa in April 2018. Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. Reason Card Type Reason Code Description Merchant Action Code This chargeback occurs because of a dispute on an Airline sale involving allegedly fraudulent card transactions. reason code information. All of Visa’s existing reason codes were condensed into four principal groupers: fraud, authorization bugs, handling errors, and customer. This reason code is accompanied by a fraudulent reason code (UA). A MATCH list reason code refers only to criteria for a merchant being added to the MATCH database. It depends on the chargeback reason code associated with the dispute. Next to Standard webhook select the edit webhook icon . 1? Visa chargeback reason code 11. Documentation must be a direct result of cardholder communication. Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program”, are excluded from program monitoring. 4 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. An ACH (Automated Clearing House) payment dispute is a situation in which one party involved in an ACH transaction raises a concern or disagreement over the legitimacy, accuracy, or authorization of the transaction. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. For each reason code, a definition isSome costs come directly from Visa and are set by the network. Chargeback Reason Codes Page 1 of 5 Card Type Reason Code Reason Text Chargeback Category Preventable Reversible MASTERCARD 4802 Requested/Required Item Illegible or Missing Request for. Four reason codes have modified time frames: Reason Code 10. These codes explain the reason why the chargeback was filed, and the reason. The most comprehensive guide to chargeback reason codes. These modifiers can range from where the transaction is processed to what kind of goods are purchased. So, as we outlined above, both Visa and Mastercard have dedicated. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. Note the. 1 EMV Liability Shift Counterfeit Fraud 81(3) 10. Complicating things further, friendly fraud doesn’t provide you with any red flags. PCI DSS v3. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. Partners. 30 (1) 13. Visa Reason Codes Quick Reference Guide. These codes are notoriously inaccurate; in fact, first-party fraud is predicated on reason codes being inaccurate. Visa is introducing changes to the chargeback process with Reason Code 10. Table of Contents ii Chargeback Management Guidelines for Visa Merchants © 2015 Visa. Discover Chargeback Reason Codes Explained. A new representment right to provide compelling evidence for specific chargeback reason codes. As mentioned earlier, the given reason for a chargeback may be far different from the actual reason. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. 13. 13. The merchandise was as described or was not defective. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Reason Code 53 re-presentments must be. This code indicates that the merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, and submitted the transaction anyway. A list of key Visa policies for merchants is also included. 1. This is Visa’s incentive for merchants to update to recommended terminal technology. 1 for Visa transactions, or reason code 4834 for Mastercard. 1 falls under the “Processing Errors” category. Preventing & Disputing Chargeback Reason Code 10. The network plans to reduce response times even further to just 20 days in the near future. 0 and its benefits; Difference between current and. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the cardholder's account. 5 – Incorrect Amount 12 . 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: Reason Code 06: Currently unused--Reason Code 07: Fraud Conviction: One of the business's owners. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. A chargeback with reason code 4853 may refer to disputes where the customer claims that a charge on their account is invalid. Thanks for following the Chargeback Gurus blog. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. 6. Will the Visa 3-D Secure 2. The cardholder never used the product or service, since they believed the transaction was never processed, and the purchase was. Feel free to submit topic suggestions, questions or requests for advice to:. With that process, the payment service provider directly credits a payment to the cardholder's account. This chargeback<br />. 2, which specifically deals with transactions billed by other means. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. Each card company has its own set of codes that indicate the specific reason that a cardholder initiated a dispute. Code 4807 was used to cover various authorization-related. For perspective, the next highest. Need more help? Download Reason Code Cheat Sheets Chargeback Reason Codes. 1 Merchandise/Services Not Received. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. . 2 falls under the “Authorization” category. Survey 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. . Using our e-commerce fraud prevention tools, we help lower friendly fraud costs and chargeback rates, but also reduce gift card and coupon abuse, and promote secure login authentication. Ethoca Eliminator is integrated into the Mastercom system. Reason Code ≠ Reason 4. • Section 2: Copy Requests – Includes requirements and best practices for responding to a request for a. 6 — Credit Not Processed. Issuer ACS unavailable - Visa generated CAVV. With the overhaul of their reason code system, Visa divided reason. 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. Card Recovery Bulletin Authorization Visa Code: 11. The Visa chargeback reason codes take the form of two digits followed by a dot followed by a single digit. Both AFTs and OCTs are often used in concert with one another. 2, it’s simple and straight-forward: The merchant attempts in any way to force, circumvent, or override a declined authorization. But if RDR receives a dispute about a Visa card transaction, it will instead consult the ruleset provided by the. Solution. Listing and grouping all Visa chargeback or dispute reason codes with accompanying descriptions and time to respond. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. This Visa chargeback condition is very common. There are plenty of reasons as to why this would happen, hence the many. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)Mastercard only counts card-not-present, eCommerce transactions for which a chargeback is filed using reason code 4837 (“No Cardholder Authorization”). R13 No Reply. 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. Each chargeback comes with a code that designates the reason it was filed. 5, and all aspects of chargeback reason codes, with proprietary technologies and. The newer system is designed to. 0 standard that has specific defense requirements for chargebacks with this reason code. About Careers Contact. Reduced Chargebacks: Having the option to present evidence prior to a dispute has been shown to significantly reduce the number of friendly fraud disputes and false fraud claims. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. Visa ® has launched the CE 3. Chapter 5: Mastercard Chargeback. Additionally, they can select from corresponding, updated codes when adding new chargebacks. So the company has more incentive to side with customer during cardholder. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how to prevent disputes in the future. 4846 — Incorrect Currency Code. It could also mean restrictions are imposed on your activity; for instance, if you receive a dispute assigned Visa reason code 10. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Chargebacks911 can create a customized solution to fit your specific. About Visa chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. 2 Cancelled Recurring Transaction. This is Visa’s incentive for merchants to update to recommended terminal technology. Accessed October 31, 2022. For merchants, the deadline to respond is 30 days for Visa chargebacks and 45 days for Mastercard chargebacks. 1 – Other Fraud – Card Recovery Bulletin 11. Fortunately, all major credit card networks provide clear information regarding chargeback reason codes. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Get Reasoning Cipher Cheat Shelf. 5 Visa Fraud Monitoring Program Mastercard Reason Code 4807 – Warning Bulletin File chargebacks should be filed under code 4808. There are over 80 unique return codes, and each one represents a different type of return. Chargeback reason code 13. A reason code identifies the reason behind every chargeback. 4808: This code can refer to: Account Number Not on File. For a list of all values for reason and chargebackReasonCode fields, refer to Dispute reason codes. The company condensed and revised its reason code list by implementing the Visa Claims Resolution initiative in 2018. 9 — Non Receipt of Cash or Load Transaction Value. 11/03/15 Updated these MasterCard Chargeback Codes: 08, 12, 31, 34, 42, 53, 55, 59, 60, 70, 71. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Chargeback Code Chargeback Reason; 10. . 4841 Canceled Recurring or Digital Goods Transactions. Reason Code 53: Not as Described or Defective Merchandise. Compelling Evidence 3. The sales receipt and/or date and amount of the authorization if other than the transaction date. Older time limits for disputes vary based on reason code; in many cases buyers have 120 days after a purchase to file a chargeback. Visa Chargeback Reason Code 10. 15, 2021. The charge is reversed and goes back to your credit card. The use of this reason code indicates that the cardholder does not recognize the transaction as it appears on their bank statement. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Friendly fraud was actually the #1 fraud threat concerning merchants in 2021. Valid Chargeback Reason #1:Criminal Fraud Valid Chargeback Reason #2:Authorization Errors; Valid Chargeback Reason #3:Processing Errors Valid Chargeback Reason #4:Fulfillment Errors; Valid Chargeback Reason #5:Merchant Abuse; Invalid Reasons to Dispute a Charge; Consumer Consequences for Illegitimate Disputes;. TC40 is the name of the report that issuing banks send to Visa to report fraudulent transactions as part of its Risk Identification Service, and SAFE ( System to Avoid Fraud Effectively) is Mastercard’s analogous fraud monitoring program. The first two digits indicate which category the reason code falls under:. message. Visa, MasterCard, and American Express all list compelling evidence by reason code. 0 is an update to the rules for handling disputes filed under reason code 10. For example, reason code 10. Mastercard: n/a This chargeback is caused by Authorization. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. Multiple fees can be attached to each claim, and they add up quickly. The first is a catch-all for claims of fraud, while the others typically involve customer. many chargeback reason codes that exist today. Thus, the easiest way to prevent chargeback reason code 75 from being filed is to use a billing descriptor that is easily recognizable. 196message. Fortunately, all major credit card networks provide clear information regarding chargeback reason codes. About Visa chargeback reason codes. Duplicate Processing - 81What is Visa chargeback reason code 12. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Non-Receipt of Information Chargeback Reasons. 4 Section . Chargeback Reason Codes. To avoid redundancy and confusion, we’ll use Visa’s chargeback reason codes as an example. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. A few select Mastercard chargeback reason codes have different Masteracrd chargeback time limits. 10. MasterCard: Reason Code 4859 Services not rendered. This code applies when valid authorization for a transaction. The authorized transaction was for goods or services that the merchant did not deliver as per a contract, receipt, or some other written. 5 Visa Fraud Monitoring ProgramThese reason codes are a standardized list of reasons that a customer and/or their bank may file credit card chargebacks. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. 2: Declined Authorization: 11. While most payment systems are designed to stop merchants from. 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. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, and recommendations are given for resubmitting the transaction and preventing similar chargebacks in the future. To return the originalReference in the SECOND_CHARGEBACK webhook: Log in to your Customer Area; Go to Developers > Webhooks. Visa also overhauled its system of chargeback reason codes. 1: EMV Liability Shift Counterfeit Fraud: 10. This chargeback occurs when it cannot be checked that a valid code was obtained for a transaction at the time of the actual sale. 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. The shorthand description is “Goods/Services Not as Described. 0. One of these changes was an overhaul of Visa’s list of chargeback reason codes. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or. Visa Chargeback Reason Code 10. 1 Quick Reference Lead. A list of key Visa policies for merchants is also included . Chargeback Reason Codes. Some of the reasons why the order did not reach the cardholder can be as follows: The merchant did not provide the services;Visa Dispute Reason Codes. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. The following Visa chargeback code maps are organized by category, as defined by Visa. The same is true of all chargeback reason codes. CE 3. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. Learn about chargeback reason codes. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Card Recovery Bulletin Authorization Visa Code: 11. If using any other currency than this, it should be equivalent to the specified amount. message. . 1 — EMV Liability Shift Counterfeit Fraud; Visa Chargeback Reason Code 10. 7 falls under the “Processing Errors” category. The shorthand description is “Cancelled Recurring Transaction. For card-absent transactions, use all Visa tools, including AVS, CVV2, Visa Secure, and more, to reduce instances of fraud. A fraud whitelist is basically the same idea, only reversed. 4846. 3 – Not as Described or Defective Merchandise / Services. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. Discover. Click on “report a problem” and select the transaction in question. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. Non-Receipt of Goods or Services Chargeback Reasons. 2. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. 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. 2 Other Fraud – Card Present Environment 81(1) 10. Chargebacks. MasterCard uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and. You can learn more about each one by visiting the Mastercard Chargeback Guide. Chargeback reason code 4853 is used to designate “Cardholder Disputes,” or disputes involving transactions that a customer claims are incorrect in some way. 4853 – Cardholder Dispute – Credit Posted as a Purchase. 2022 Visa Chargeback. 00 EUR as a Withdrawal fee. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. Steps to Prevention. R03 Insufficient Reply. It means the issuer has placed a stop or hold on a transaction. Mastercard chargeback reason codes are four numerals without decimals. Whenever a card used in a transaction is declined, the sale should be terminated. Chapter 4: American Express Chargeback Reason Codes. Use clear and consistent billing descriptors. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. 3 – Incorrect Currency 12 . Get your complete guide to Discover reason codes, including all the detailed information, chargeback time limits, and other important information you need. 1 - Card Recovery Bulletin; 11. Only an issuer can initiate the chargeback process. 0 standard that they will enforce from mid April 2023. 2, and 13. com;. As you dive into a reason. Preventing & Disputing Chargeback Reason Code 10. Which is meant to know the reason for the dispute. Chargeback Reason Codes List for Visa. Like all card schemes, Visa has its own list of chargeback reason codes. This is part of the reason Mastercard retired the code when it reshuffled its list of reason codes. The most common Visa Reason codes include 10. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Visa uses the four main categories to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. It is caused by not issuing credit, or issuing it but not depositing on time and it didn’t appear on bank. Chargeback Reason Codes List for Visa. Without 3D Secure Liability shift, it is difficult to challenge the dispute. Chargeback /Dispute; Merchant Response. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. 5, and you're entered into the Visa Fraud Monitoring Program,. 1: EMV Liability Shift Counterfeit Fraud: 10. 7. 00 Approved and completed successfully; 01 Refer to. What is Visa chargeback reason code 12. Chargeback Reason Code Quick Reference Guide. Q. 4,. • Section 4: Chargeback Reason Codes— Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. 0 are generally protected from issuer eCommerce fraud-related chargeback claims (chargeback reason codes 75 and 83) -- market-specific program exceptions. 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. Before VCR, Visa reason codes were two-digit numbers that often seemed like they were assigned completely at random. ACH disputes pertain to various parties involved in an ACH transaction, which is an electronic funds transfer facilitated. For example, a debit may have been processed instead of a credit, or a credit processed instead. Specifically, these updates only pertain to transactions that are charged back after Oct. Reason code 83 represents a chargeback categorized as. Mastercard has the second largest payment network in the world after Visa. Visa Code. Visa Chargeback Reason Code 85. Vantiv transmits the MD-413 for First and Second Chargeback Prenotification for Visa/MasterCard to agencies seven (7) days a week. Chargeback . Our promise to you is this: We will invest 100% of our effort in your case and fight for you throughout the entire process. Whenever a card used in a transaction is declined, the sale should be terminated. There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other Chargeback Categories. The list of chargeback reason codes in this article is organized by card brand and type of dispute. 04/09/14 Discover: DC, U02. For example, 10. “American Express Chargeback Reason Codes | Sift”. 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. Cardholder Disputes. Reason Code – 10. Here the payment service provider is pulling funds from the cardholder. It is subject to change and may not include every currently known dispute reason code. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. 2 Added chapter providing information about the DiscoverWhat is Visa chargeback reason code 13. Section 2: Card-Present Transactions: Requirements and best practices. 4846 — Incorrect Currency Code. You block specific users associated with fraudulent activity. Visa Credit Card Dispute Process. 3 Changed Discover Reason Codes to match what is shown in the UI. Fraudulent TransactionsIn 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Compensation Resolution. Every chargeback has a reason code associated with it. It covers topics such as chargeback rights, time frames, reason codes, arbitration and compliance. Section 7: Chargeback Reason Codes: Detailed information on the reason codes for the most common types of chargebacks that merchants receive . 4 Other Fraud – Card Absent Environment 93(1) 10. 3 No AuthorizationChargeback reason code 11. Visa TravelMoney, or Online Check Card Transaction, 20 calendar days from the central processing date of the. Be sure you understand the cardholder’s claim. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. Cardholder can dispute transaction up until Day 90 for reason code 4808 on MasterCard (see Appendix for details), Day 60 for reason codes 4801 and 4802 (see Appendix for details). Notification of Fraud. Which fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. The implication is that the merchant failed to deliver the goods or services, but this reason. Visa chargeback reason code 71 falls under the “Authorization” category. The case will be removed from the Chargeback Queue Worklist and your ‘accept’A list of key Visa policies for merchants is also included . 4853 – Cardholder Dispute – Goods or Services Not Provided. What is Visa chargeback reason code 71? Visa chargeback reason code 71 falls under the “Authorization” category. 0 rule changes take effect. Mastercard: Reason Code 4859 Service not rendered. Below is a list of all the major reason codes you will see from chargebacks resulting from criminal fraud, friendly fraud or merchant error. eCommerce grew too fast for the payments industry to respond. Invalid Reasons for a DisputeThe 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. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. Chargeback reason codes vary but it all means the same thing - refund. Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable. Even learning all the terms and rules won’t keep you. Every merchant is subject to chargebacks, but your MCC can be a significant factor in what chargeback reason codes can be used against you and what compelling evidence can be used to fight them. For a more detailed explanation, as well as a list of Visa’s individual codes, please refer to our guide on chargeback reason codes .