Chargeback amount is equal to or less than the exceeded limited /authorised amount. ACH Return Reason Codes 3-17-2009 CheckGateway, LLC Page 2 of 3 R36 Return of Improper Credit Entry. R01 – Insufficient funds. Stage 1: First Chargeback. R13: No Reply: Inquiry/Miscellaneous: FR2: Fraud Full Recourse Program: Inquiry/Miscellaneous: FR4: Immediate Chargeback Program:. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. It is very similar to: Mastercard's 4853- Defective/Not as Described Reason Code. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. If you don’t reply in time or with . Added the following fields - Store ID, Credit Card Chargeback Reason Code. com 14. This extra step can be frustrating for Card Members and lead to lost sales. ” This code indicates that the cardholder had reason to believe they were going to receive a refund, but no credit to their account has yet been processed. Visa chargeback reason code 11. What is American Express chargeback reason code R13? American Express chargeback reason code R13 falls under the “Inquiry/Miscellaneous” category. Discover uses unique codes to explain those reasons to merchants. This typically. Each chargeback reason has its own, individual prevention techniques. Added the following fields - Store ID, Credit Card Chargeback Reason Code. Some credit card companies also include a short phrase describing the code and chargeback. Here are some chargeback reason codes by card type. ACH Return Code R52 – Stop Payment on Item Related to RCK Entry. Either the acquiring or issuing bank could initiate the. 0 to 5. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. . AMEX R13 Requested Transaction Information Not Received Request for Information YES NO An ACH dispute results in a chargeback for the business that processed the payment. For example, 'R04' indicates that an invalid account number was. 1. 1 Authorisation . Reason codes vary by card brand. ”. Some common Visa reason codes include: 10. Summary of Changes, 13 December 2018Timeframe to Initiate Chargeback 120 calendar days from the date of the transaction Representment Rights/ Merchant Action Proof that a Credit which directly offsets the Disputed Charge has already been processed Issuer Required Documentation None Special Notes Inquiry required prior to Chargeback. [1] Sift. Chargeback Request for Information Notification of Fraud ACH Direct Debit American Express Based on the region in which you have set up American Express, you will receive reason codes from one of these columns: Reason Code North-America: Canada and United States of America Reason Code: All other countries Fraud Authorization Processing Errors See full list on paymentdepot. 2=1020 etc. The shorthand description is “No Authorization. ” This indicates that the merchant has failed to respond to a transaction inquiry before the deadline elapsed. This is an “unauthorized” return code, and will result in your account being assessed the ACH Chargeback Fee. Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. While there are many chargeback reason codes, all chargebacks fall into one of three categories:Reason Code 02. Chargeback. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not. This code tells you why the customer or bank initiated the dispute. For a Mastercard late presentment chargeback to be valid, all the following conditions must apply: The cardholder’s account must be permanently closed. Subsection5. Summary of Changes, 13 December 2018Free Download. P05 – Incorrect Charge Amount. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. A reason code is how banks categorize the reason for a chargeback. The sales receipt and/or date and amount of the authorization if other than the transaction date. P03 – Credit Processed as Charge. The actual underlying cause of this chargeback is. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. Note. These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute. For example, 10. Reason codes vary by card brand. Amex 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. screen . 1 chargeback: The merchant failed to ship the merchandise or provide the service as agreed. 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. 7? Visa chargeback reason code 13. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. These are all the known American Express chargeback codes. The merchant failed to ship the merchandise by the promised delivery date/time. Some credit card companies also include a short phrase describing the code and chargeback. com Your chargeback response must include at least one of the following items: If you did reply within the time limit, provide documentation that supports your claim. P22 – Non-Matching Card Number. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. R07 – Authorization revoked by customer. Tax Discrepancy (only in a Tax On environment) Credit Note Tax Discrepancy (only in a Tax On environment) RTV Chargeback. Choose “chargeback and inquiry status” from the drop-down menu. For example, the approval range for the primary approver JSMITH is from -200 USD to -100. 4512: Duplicate Processing:What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. Reason Code 81: Fraud. Other Fraud—Card Absent Environment. 1 Quick Reference Lead. It was originally just one facet of legacy reason code 81. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. [noun]/* rə • trē • vəl • rə • kwest/. The invalid ACH routing number may be the result of a simple typo or may indicate an incorrect routing number was provided. This code applies when valid authorization for a transaction was. R13: RDFI not qualified to participate. The request comes from the credit card issuer or cardholder and goes to the acquirer or merchant. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested item illegible: 07: Warning Bulletin File: 08: Requested/Required Authorization Not Obtained: 12: Account Number Not on File: 31: Transaction Amount Differs: 34:Chargeback reason codes have changed. American Express Chargebacks / Disputes. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. DTA. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. Section5. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Updated Disputes/Chargeback Policy Coming April 2024Chargeback reason code 13. These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute. The following chargeback reason codes are related to EMV: Visa: 10. There are a variety of issues that can serve as the root causes of a chargeback, ranging from fraud to improper card processing to dissatisfaction with the quality of the goods or services provided. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. By entering your email, you agree to receive marketing emails from Shopify. Credit not processed for cancelled or returned goods and services 2. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. A well-structured rebuttal letter should address the chargeback reason code, clearly explaining why the cardholder's dispute is not legitimate and why the funds should be returned to you. Documentation must be a direct result of cardholder communication. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. 45. Updated these Visa Chargeback Codes: 30, 62, 85. Kontonummer fehlerhaft (ungültige IBAN) SEPA Reason Code bei: SCT. Cardholder. Code 10. ISO Name. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. D. the requested documentation, your account will be debited. 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. Reason Code 03. 7 downloads 2 Views 352KB Size. Reason Code 53: Not as Described or Defective Merchandise. The dispute timeline can be based on one of two start dates. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. A chargeback happens when a customer requests for a transaction to be. 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. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. Understanding these codes is essential because they'll guide your response strategy. F22. The merchant failed to ship the merchandise to the agreed-upon location. P07 – Late Submission. 10 Tips to Prevent Fashion Chargebacks. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Reason Code. Insufficient Funds. Additionally, one clearing transaction. Card Not Present. Cardholders and card issuers can place disputes on transactions for a variety of reasons including product returns, defects, cancelled reservations, and card processing errors. Quantity Discrepancy. You can be inducted into both programs at the same time. 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 Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing. As we touched on earlier, chargebacks can happen due to technical errors. Oftentimes, the reason code assignment is based on limited knowledge and insight. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. 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. Recommend Documents. The code replaces Visa’s legacy reason code 41. 1 EMV Liability Shift 10. Mastercard Chargeback Reason Code 71: Disputed Amount. ” This code indicates the cardholder is claiming that the descriptions of the products or services they purchased were vague, inaccurate, or insufficient, and they feel. R13. Ande re CSM. Under the new VCR process, there will be 4 dispute categories: Fraud, Authorization, Processing Errors and Consumer Disputes. Expedited Dispute Resolution forms will not be allowed. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831. Reason Code R13: No Reply. Each code begins with 'R' followed by a two digit number. As chargeback time limits get shorter and shorter, automated technology will become more and more valuable. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal. Check with the issuing banks to determine what time limits may apply to you. Fewer chargeback reason codes. Scenario 1 — upfront chargeback. 6? Chargeback reason code 13. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. The merchant authorizes Amex to process a chargeback for the transaction in question. 6. There are two parts to this. Try Shopify free for 3 days, no credit card required. Administrative returns (R02, R03, R04): 3%. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. This process is called. American Express Chargebacks / Disputes. Mastercard Chargeback Reason Code 70: Chip Liability Shift. 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. September 2011: 5. Since the chargeback process can be costly and time consuming, merchants should consider it an important priority. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. Protect cardholder data. For example, 10. ECM monitors first presentment chargebacks regardless of reason code or transaction type. R06 – Returned due to ODFI’s request. Step #2 | Report the Scam to PayPal. UA02 Fraud – Card Not Present Transaction. 5 under Visa Claims Resolution). 2. Before the cardholder can file a chargeback, they must give a reason to their card provider. Note: If there are no Motives applicable to the Reason Code, this field contains “0. All ACH return reason codes consist of the letter “R” followed by two. Chargebacks. 60 due to merchandise, fees, overhead, and other sources of loss. The terminal action codes are in Table 122 of the 4. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. Each bank card network has its owner list of reason codes banks must prefer from. P01 – Unassigned Card Number. So don’t spend another second worrying about chargebacks. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. The cardholder may be the customer or the someone who lent their card to a friend or relative. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. As such, it is limited to merchants in the following merchant category codes (MCCs): MCC 5735 — Record Stores. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. The card provider then processes this information and determines the. Visa - 13. Receive the Chargeback. Once you know why a chargeback happened, you can start building a case to address the claims that were made. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. Mastercard also considers some chargeback reason codes to be indisputable. Fraud. R13: No Reply: M01: Chargeback Authorization: M10: Vehicle Rental - Capital Damages: M49: Vehicle Rental - Theft or Loss of Use: FR2: Fraud Full Recourse Program: FR4:. Solutions. Everyone has had the experience of buying. Also, remember that the time frame for your response includes any processing required by the acquirer. 3: Goods or services were not received: C08: RG: 4855: 13. 5,. ” This code indicates that the cardholder claims the merchant processed a recurring billing transaction after they had submitted a cancellation request or closed their account. September 2011: 5. 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. QR Codes: One common way to accept Alipay is via QR code payments. What is Visa chargeback reason code 12. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. 1=1010, 10. Note: If there are no Motives applicable to the Reason Code, this field contains “0. 1 Allocation Fraud and Authorization related chargebacks will be processed through an automated workflow. Card Brand Code Description Days to Dispute Dispute Category;. The cardholder claims they were charged multiple times for a single transaction. Check the balance of the bank account associated with your QuickBooks Payments account. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Visa Chargeback Reason Code 13. 0: Updated report version from 1. Reason Code; Ref Number ; Auth Code; For a brief overview of chargeback reason codes, refer to the table below. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. ). Amex 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. Under the legacy Visa Chargeback system, there are 22 chargeback reason codes (And remember, this is just for Visa. 4 – Other Fraud – Card Absent. • 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. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). Retry the transaction. The Electronic Fund Transfer Act is a piece of US legislation that requires banks to provide certain information to customers regarding electronic fund transfers (EFTs). 7: Defective goods and services: C32: RM: 13. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback 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. Here’s how. Your chargeback response must include at least one of the following items: If you did reply within the time limit, provide documentation that supports your claim. Reason code encyclopedia Your comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. Let’s say you got a Visa chargeback with reason code 13. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. The shorthand description is “No Reply. Discover: Reason Code 4755 Non-receipt of goods or services. Additionally, Amex uses a fifth "Miscellaneous" category. )ACH Return Code R50 – State Law Affecting RCK Acceptance. The shorthand description is “Misrepresentation. About American Express chargeback reason codes. A chargeback happens when a customer requests for a transaction to be reversed. R13 Invalid ACH Routing Number ( formerly: RDFI Not Qualified to Participate ). [noun]/* rə • trē • vəl • rə • kwest/. Common reason codes Mastercard. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. These codes are established by the payment brands to categorize the incoming dispute requests by reason. 3. Each code begins with 'R' followed by a two digit number. If the cardholder bases the claim on false or misleading statements, it is considered friendly fraud. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. Thus, the easiest way to prevent chargeback reason code 75 from being. All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Click on “report a problem” and select the transaction in question. In order to optimize the revenue streams from ACH payments, businesses need to check return reason codes regularly. 4853 – Cardholder Dispute – Credit Not Processed. A02: No Valid Authorization. Mastercard Chargeback Reason Code 70: Chip Liability Shift. 0. MasterCard: Reason Code 4859 Services not rendered. 7 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. VCR Dispute Reason Code 10. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response 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. Protect stored cardholder data. Both EFM and ECM measure compliance at the MID level. Reason codes. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 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. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. 5? Visa chargeback reason code 13. AMEX Chargeback Reason Codes Reason Code: Category: Description: A02: Request for Information:. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. 4: Other Fraud – Card-Absent Environment. Discover: Reason Code 4755 Non-receipts of goods or services. Reason Code 11. The shorthand description is “No Reply. Each reason code has its own set of regulations regarding: Proper and. EMV Liability Shift Counterfeit Fraud. Account closed. 5 falls under the “Consumer Disputes” category. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. 6? Visa chargeback reason code 13. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. Merchants who believe they have received an invalid chargeback under reason code 13. Each card network maintains reason codes to cover all the disputes that qualify for. That said, looking up purchases using this number can make it easier to provide info following an. Chargeback Reason Codes by Industry. However, it's advisable to respond to whatever reason code you received from the bank. Card networks send these codes to merchants to indicate why a chargeback has been filed. American Express . 101. Chargeback. But why do they happen? 4 common types of hotel chargebacks. REASON CODE R13 NON-RECEIPT OF REQUESTED ITEM. This information should be based on the Visa chargeback reason codes assigned to the case. Each debit or credit transaction being returned is returned by the customer's financial institution. The chargeback initially results in the debit or credit card charge being reversed and the funds that you received for the payment being returned to the customer. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. Written by Chargeback Gurus. Articles; Chargeback Reason Codes;. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. This scenario applies when the arbitration was raised by either the. UA02 Fraud – Card Not Present Transaction. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. A reason code is how banks categorize the reason for a chargeback. Amex 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. Motive: • Numeric value that represents an explanation of the Dispute than can be viewed on the . The reason code identifies the kind of credit memo that is being requested. If the customer’s story matches. The shorthand description is “Credit Not Processed. High Level Visa Chargeback Dispute Flow. Issuer Review; Allocation. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. Many subscription payment disputes are made under code 13. While the updates have been published, they do not go into effect until Oct. Your firm needs to embrace a customer-centric approach focused on transparency and. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. 3: Goods or services were not received: C08: RG: 4855: 13. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. Number two: Product Not Received chargebacks. About Careers Contact. Dispute Category. Payment stopped. The merchandise was as described or was not defective. . Chargeback Reason Codes; A01: Amount Differs from Authorization to Settlement: A02: Did Not Receive Valid Authorization Approval: A03: Valid 6 digit Authorization code Not Provided: A04:. REQUEST A DEMO. 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. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. 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 Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing date of. NEW. 6 falls under the “Consumer Disputes” category. PCI DSS v3. The three-character code notes the specific reason. The chargeback is ordered by the bank that issued the consumer's payment card. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. Typical chargeback reason codes are: DA: Disputed amounts. If the funds are now available, or you want to pay your outstanding balance by credit card, call us at 888-692-9559. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute. R13: Second Inquiry to Request Information Regarding Charge: R14: Response to Inquiry Not Received within time frame: R15:An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. Clerical Amex 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. When one cardholder initiates a dispute with their issuing bank, a. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. R01 – Insufficient funds. American Express Chargeback Reason Codes American Express uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors as well as two additional categories, Inquiry/Miscellaneous and Chargeback Programs, to classify just a handful of reason codes. 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. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. R06 – Returned due to ODFI’s request. 2.