This scenario applies when the arbitration was raised by either the. 2 – EMV Liability Shift Non-Counterfeit Fraud. In the distribution industry,. 4512:There are dozens of reasons why cardholders and issuers dispute transactions. 6). Q. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. These disputes are commonly referred to as friendly fraud. In simple words, the chargeback reason code provides the reason why you are dealing with a chargeback. 9% with at least 100 total disputes. Discover uses unique codes to explain those reasons to merchants. P01. RuPay has categorized all the chargeback reason codes into 5 different groups as stated below. Banks, however, categorize chargebacks or disputes depending on the card used when a chargeback occurs. Then, the crook attempts to trick the victim into disclosing personal account information (account number, routing information, SSN, etc. 2 Compliance CasesECM monitors first presentment chargebacks regardless of reason code or transaction type. For details on how to receive notifications of chargebacks, accept or dispute them, and submit evidence to. A reason code or a chargeback reason code is a string of symbols (numbers and letters). Encrypt transmission of. Specifically, these updates only pertain to transactions that are charged back after Oct. Common return codes in this category include:Step #2 | Report the Scam to PayPal. . Then, apply calculations and chart your results. School Yeshiva University; Course Title BUS MISC; Uploaded By KidGorilla7385. In this scam, a scammer sends a message to their victim. Check the chargeback reason code. And according. Subsection5. Stands. 6: Duplicate processing/Paid by other means. ”. 2. P01: Unassigned C/M Account Number:. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. An invalid chargeback is defined as an unnecessary or non-compliant payment dispute — a chargeback that shouldn’t have happened. The nature of the threat makes it a moving target. Clerical Knowing these codes is vital for merchants to understand the reason for chargebacks and how to manage them. Region. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. That suggests that in the times when merchants. ”. Save fulfillment costs, stop chargebacks, furthermore improve customer fulfillment. CE 3. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. 3 falls under the “Authorization” category. Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. Reason. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. A service chargeback is filed by a customer, which means that you need to note the card type and dispute reason code so that you can determine which types of information to submit if you dispute the claim. The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason. A chargeback is the potential outcome of a disputed credit or debit card transaction. For example, you might get a chargeback on a Mastercard purchase where the reason code is "4853: Goods or services not provided. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. ; success: true. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. DD: Unearned (disallowed) discount amount. P03 – Credit Processed as Charge. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. ; Here is an. Here’s a look at the reason codes for the same scenario from the major credit card companies: Visa: Reason Code 30 Services not provided or merchandise not received. 3. Check with the issuing banks to determine what time limits may apply to you. 00 EUR as a Withdrawal fee. Each card issuer follows their own standards for defining reason type, code and its format. Credit Processed as Charge. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect. Responses to retrieval requests that are over 4 pages will. dispute successfully and on time, we’ll undo the Chargeback. Customer-initiated return codes Customer-initiated return codes are sent when the customer takes action to cancel or revoke an ACH transaction from their account. Time Frames by Chargeback Type and Reason Code. Chargeback reason codes identify the general reason behind a chargeback. It is important for the merchant to know about the American Express Chargeback. S. An ACH dispute results in a chargeback for the business that processed the payment. Number two: Product Not Received chargebacks. The standard chargeback process involves eight steps: Retrieval request: The card-issuing bank requests that the acquiring bank provide additional information for a given transaction. the Chargeback. The business has the chance to refute the chargeback. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. 6, "Chargeback Reasons" Added requirements for each Chargeback Reason code. 7: Defective goods and services: C32: RM: 13. Thus, a reason code of one network does not necessarily match with a reason code of another network. 105. For example, 'R04' indicates that an invalid account number was. 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. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. By entering your email, you agree to receive marketing emails from Shopify. Discover - UA02 Fraud – Card Not Present Transaction. 2. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. Acquirer after the 3-month Workout Period, as described in “Excessive Fraud Activity Notification - U. Effective for Transactions completed on or after 15 April 2016, A Transaction for which Authorization was obtained after a Decline Response was received for the same purchase. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. . 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. The chargeback is ordered by the bank that issued the consumer's payment card. In addition to that, your monthly ratio of chargebacks to transactions is monitored by the banks and card networks you work with, and if it exceeds a certain threshold—usually 1%—you can get hit with extra fees and other penalties. Chargeback fees can start at US$25 and go up from there. The main chargeback reasons look like this: Malicious fraud. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. The newer system is designed to. If a payment is unsuccessful, PayPal usually gets the return message from the ACH. manual processing by uploading chargeback documents instantly. reason code information. 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. You’ll put that reason code, the transaction amount and authorization number, and state that the. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity 10. Maestro. Partners. ACH Return Codes. 99. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not Received Non-Receipt of Goods or Services NO YES VISA 41 Canceled Recurring Transaction Cancelled/Returned by CardholderWhen you receive notification of a chargeback, the first thing you want to do is look up the reason code. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. Download this sample Chargeback Rebuttal Letter. The reason_code field lists the reason code the issuing bank has assigned to the chargeback. Analyze chargeback and alert data by dozens of metrics. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. 3: Goods or services were not received: C08: RG: 4855: 13. Mastercard: Reason Code 4859 Service not rendered. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. 3? Visa chargeback reason code 13. Most reason codes apply to any merchant, regardless of what’s being sold. Chargebacks were introduced as a form of consumer protection against. Knowing these codes is vital for merchants to understand the reason for chargebacks and how to manage them. First, after a cardholder contacts the bank to inquire about a transaction, the bank uses VROL to pull detailed transaction information. Early Warning: Reaching a chargeback ratio of 0. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Also, remember that the time frame for your response includes any processing required by the acquirer. The rules which will take effect in April 2023 are meant to reduce the volume of friendly fraud occurring over the card network. Chargeback reason code 10. ; reason: Reason for the chargeback. If your reply addresses the . You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. This typically. This webhook contains: pspReference: Adyen's unique reference associated with the payment request. A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. Other Fraud—Card Absent Environment. 41 4841 Cancelled Recurring Transaction 53 4853 Not as Described or Defective Merchandise 57 4840 Fraudulent Multiple Transactions 62 4870/4871 Counterfeit Transaction Being familiar with the potential chargeback reason codes gives recurringA counterpart program, the Visa Dispute Monitoring Program, may apply to both fraud- and non-fraud-related reason codes. “American Express Chargeback Reason Codes | Sift”. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. Before the cardholder can file a chargeback, they must give a reason to their card provider. 2. There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other Chargeback Categories. 60. Braintree Support Articles. 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. Description: Reason Code: Explanation: Incorrect Card Number: American Express P01, P22; Discover IN; Mastercard 4808; Visa 12. "Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. When a customer decides to dispute a charge made to their debit or credit card, it is referred to as a chargeback. Chargebacks. Depending on the reason code, chargeback disputes may have different time limits. 4. In a traditional payment system, the customer authorizes a payment, and then the merchant submits it for clearing to the issuer—effectively requesting to “pull” money from the customer’s account. Additionally, one clearing transaction. If you’re not, there’s a good chance you’re about to see a high volume of chargebacks with “fraud” reason codes come pouring in. ACH return codes identify the reason an ACH payment was returned by the recipient's bank. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. Solution Case Studies Partners Company Blog Resources Data & Compliance FAQ See It In Action. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. P01. 2. But, merchants should be aware that, eventually, everyone will be required to use the new designations. R02 – Account closed. P01 UnassignedCard number . The charge you submitted did not receive a valid authorization approval code for the amount of the charge. What is Visa chargeback reason code 13. message. Any chargeback that is received without a reason code will be assigned a default code of 53. 5158. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. The merchant authorizes Amex to process a chargeback for the transaction in question. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. Updated August 23, 2023. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. In most cases, the bank chooses a course of action based on information the cardholder provides. Reason Code Description. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. 5: Fraud Monitoring Program. As we touched on earlier, chargebacks can happen due to technical errors. Documentation must be a direct result of cardholder communication. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. As we touched on earlier, chargebacks can happen due to technical errors. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Once you know why a chargeback happened, you can start building a case to address the claims that were made. To obtain additional information, the issuing bank sends a retrieval request to the merchant’s bank. Chargeback Reason Code 30 - Services Not Provided or Merchandise Not Received The chargeback time limit is calculated based on one of the following: 120 calendar days after the transaction processing date 120 calendar days after the last date the cardholder expected to receive the goods or services (not to exceed 540 days of the transaction. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. for chargeback reason code 4863 (Cardholder Does Not Recognize). Standard Threshold: Reaching a chargeback ratio of 0. 1, 5 January 2016. One Point Reason Code: CODE 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. Below you will find the reason codes for the dispute events Chargeback, Request for Information. 0 represents the first rules change of its kind that specifically provides merchants with the opportunity to reverse the fraud status applied to a transaction associated by reason code 10. Collect Compelling Evidence. Chargebacks can pile up your expenses and can be annoying. With an eCommerce transaction, 3-D Secure technology works like an online PIN code. Amex Chargeback Reason Code P01: Unassigned Card Number Description The buyer’s bank found incorrect or mismatched account number with the posted. Not remembering the original purchase. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. The assigned chargeback reason code outlines why a customer submitted the dispute. F02. The reason_description field lists the chargeback reason. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. United States. Either the acquiring or issuing bank could initiate the. The system does not accept Blank as a value, even if it is defined in the UDC table. Reason Code P01 Category Processing Errors DESCRIPTION Why did I receive this chargeback? You have processed a transaction using an invalid or otherwise incorrect. 2. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Additionally, Amex uses a fifth "Miscellaneous" category. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. This involves the cardholder’s bank serving as a mediator, rather than eBay. Then you can research the transaction to see if the chargeback appears to be valid or not. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. Other Fraud—Card Present Environment. While creating the reason codes, the. Additionally, Amex uses a fifth "Miscellaneous" category. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. The aim of CE 3. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Accessed October 17,. 04/09/14 Discover: DC, U02. 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. Transaction unauthorized make up 30% of all. Once filed, the merchant generally has 20 days to respond to the chargeback. P01 Unassigned Card Number P03 Credit Processed as Charge P04 Charge Processed as Credit P05 Incorrect Charge Amount P07 Late Submission P08 Duplicate Charge P22. 0. Read the Chargeback Advice letter carefully. To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. Chargebacks. Reason Code 81: Fraud. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. Investigate suspicious orders. American Express: Reason Code C08 Goods or services. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. Code description a01 charge exceeds authorization. Reason Code Number. The merchandise was as described or was not defective. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. Here are the two possible scenarios: 1. A reason code is how banks categorize the reason for a chargeback. Additionally, Amex uses a fifth "Miscellaneous" category. Category. To win a chargeback dispute as a merchant, you must have evidence that is compelling enough to persuade the cardholder’s bank to reevaluate the case. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. There are tricks you might use to circumvent an undesirable authorization message, such as not requesting authorization at all, or making multiple attempts on a declined card. 4853 – Cardholder Dispute – Credit Not Processed. Late Presentment Rules: Mastercard. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Once filed, the merchant generally has 20 days to respond to the chargeback. You have submitted a transaction to us for an invalid or otherwise incorrect cardholder account number, and we are unable to identify the correct. Invalid Authorisation (ISO 4521) / Charge amount exceeds Authorisation amount (A01). 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. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 4846 — Incorrect Currency Code. without a reason code will be assigned a default code of 1. The Fintech Times. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. Time Limit (Issuer/Cardholder) 120 Days. 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. In short, chargebacks are costly. . Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. 2. REQUEST A DEMO. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. There are over 80 unique return codes, each representing a different return type. 3. Ready to see. ”. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. 1 – EMV Liability Shift 10. Simplify reason codes; Let’s look at each of these objectives a little more closely. ”. The cardholder claims they were charged multiple times for a single transaction. 2. MasterCard - 4863 Cardholder Does Not Recognize - Potential Fraud. Visa anticipates that changes to the required up-front information will help eliminate the back-and-forth between merchant, acquirer, and issuer, intending to result in a quicker chargeback resolution time for our merchants. 101. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. 104. Save fruition charges, prevent chargebacks, and. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. The chargeback reason code. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Example: 25. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. Every dollar disputed represents a loss to the merchant of $3. Scrutinize chargeback additionally alert data by dozens of metrics. Shopify has four status categories for chargebacks and inquiries: Open: No. A chargeback happens when a customer requests for a transaction to be. Additionally, Amex uses a fifth "Miscellaneous" category. 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. The codes for each card brand are listed below along with the recommended documentation to provide. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. Improve chargeback-resolution time. You can be inducted into both programs at the same time. Valid Values/Format: 22 - First Chargeback Handling Fee. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 5. ) A no-nonsense summary of evidence that proves transaction is legit. Supporting Documents You could potentially reverse a Chargeback by providing the necessary supporting The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. 39 or refused. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. ” -This reason code is used for the unusual circumstance of processing a transaction using an invalid or otherwise incorrect card number. F02. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. Specify the invoice date and net due date to assign to chargebacks. Europe Region Operations Bulletin No. Fraudulent Activity. P04 – Charge Processed as Credit. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. The system does not accept blank as a value, even if it is defined in the user defined code table. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. 1 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. 5 under Visa Claims Resolution). List of NACHA ACH Return Codes. 1. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. Reference these when rebutting cardholder disputes at your small business. Any time. 1. If the available information indicates that the customer dispute is a valid one, American Express will automatically debit your merchant account for the amount of the disputed transaction and will send you a chargeback notification for you to review. An ACH dispute results in a chargeback for the business that processed the payment. The cardholder alleges they never received the products or services. 3. The cost of payment card fraud has increased by 60% over the last decade, and is expected to increase significantly post Covid-19. Find your dispute ticket by choosing between the “Open” and “Closed” tabs. Responding to Mastercard Reason Code 4853 Chargebacks. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. 7: Defective goods and services: C32: RM: 13. There are two parts to this. One catch is that CE3. Click “add filter”. Amex Dispute Codes 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. 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. Compare account numbers. Contact us here or call us at 1. Typical chargeback reason codes are: DA: Disputed amounts DD: Unearned (disallowed) discount amount Note. Recurring billing transactions are a frequent source of conflict, disputes, and. What is the chargeback reason code? The reason code is an alphanumeric 2 to 4-digit code provided by the issuing bank that identifies the reason for the dispute. GraphQL Docs & Tools. This information should be based on the Visa chargeback reason codes assigned to the case. 10. • 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. UA05 Fraud – Chip Counterfeit Transaction. Mastercard Chargeback Reason Code 71: Disputed Amount. Try Shopify free for 3 days, no credit card required. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. 10. Mastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. the Chargeback. P01: Unassigned Card Number: Processing Errors: P03: Credit Processed as Charge:. 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. Using the same link provided above, contact PayPal to report the scam. 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. Refocus on the Customer Experience. Scenario 1 — upfront chargeback. 1. Chargeback Reason Codes by Industry. On the other hand, PayPal—which can serve as a credit card. chargeback management with an easy to use online system. Use this guide as a quick resource for Visa chargeback reasons at a. Card Brand Code Description Days to Dispute. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. Once you receive this notification, you have 11 days to. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. 65% with at least 75 total disputes. ”. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. For instance, if the customer claims unauthorized purchase, your letter should cite evidence, such as an IP address matching previous purchases, to support.