| Chargeback Reason Code (Integer) | Short Code | Description | Chargeback Reason Category |
|---|---|---|---|
| 500 | FRAUD_GENERIC | Generic fraud; no further information | FRAUD |
| 501 | CARD_NOT_PRESENT | Card not present | FRAUD |
| 502 | STOLEN_CARD_FRAUD | Stolen card fraud | FRAUD |
| 503 | LOST_CARD_FRAUD | Lost card fraud | FRAUD |
| 504 | UNAUTHORIZED_UNRECOGNIZED | Cardholder didn’t authorize or doesn’t recognize the transaction | FRAUD |
| 505 | ACCOUNT_TAKE_OVER | Account takeover | FRAUD |
| 506 | COUNTERFEIT_MERCHANDISE | Counterfeit merchandise | FRAUD |
| 507 | FRAUD_AUTO_DEFENDED | Fraud; auto-defended | FRAUD |
| 508 | CARD_ISSUED_ON_FRAUDLENT_APPLICATION | Card issued on fraudulent application | FRAUD |
| 510 | DUPLICATE_PROCESSING | Duplicate processing | PROCESSING_ERROR |
| 511 | INCORRECT_AMOUNT | Incorrect amount | PROCESSING_ERROR |
| 512 | INCORRECT_PROCESSING | Incorrect processing | PROCESSING_ERROR |
| 513 | PAID_BY_OTHER_MEANS | Paid by other means | PROCESSING_ERROR |
| 514 | FRAUD_MONITORING_PROGRAM | Fraud monitoring service identified risk | FRAUD |
| 520 | MERCHANDISE_NOT_RECEIVED | Merchandise/product not received | CUSTOMER_DISPUTE |
| 521 | MERCHANDISE_NOT_AS_DESCRIBED | Merchandise/product not as described | CUSTOMER_DISPUTE |
| 522 | CREDIT_NOT_PROCESSED | Credit not processed | CUSTOMER_DISPUTE |
| 523 | GENERIC_CUSTOMER_DISPUTE | Generic customer dispute; no further information | CUSTOMER_DISPUTE |
| 524 | CANCELLED_RECURRING_SERVICE | Canceled recurring transaction/service | CUSTOMER_DISPUTE |
| 526 | INSUFFICIENT_FUNDS | Not enough funds available in the account to cover the transaction | PROCESSING_ERROR |
| 527 | INVALID_DATA | Invalid or incorrect data | PROCESSING_ERROR |
| 528 | LATE_PRESENTMENT | The transaction wasn’t sent to the issuer within the timeframe required | AUTHORIZATION_ERROR |
| 529 | DECLINED_AUTHORIZATION | Authorization was declined | FRAUD |
| 530 | NO_AUTHORIZATION_OBTAINED | No authorization obtained | AUTHORIZATION_ERROR |
| 598 | RFI | Request for information | RFI |
| 599 | MISCELLANEOUS | Miscellaneous; no future information from the payment service provider | MISCELLANEOUS |
| 9999 | UNKNOWN | Unknown | |
| 531 | SEPA_DISPUTE | SEPA dispute | |
| 532 | INVALID_ACCOUNT | Invalid account | PROCESSING_ERROR |
| 533 | REJECTS | This code identifies rejected items that are processed through the chargeback system | PROCESSING_ERROR |
| 534 | REVERSALS | This code indicates the reversal of a previous chargeback transaction that was sent to us by the issuer in error | PROCESSING_ERROR |
| 535 | EXCEPTION PROCESSING | This code identifies all exception adjustment processing items | MISCELLANEOUS |
| 536 | Processing_Error | Processing error occurred | PROCESSING_ERROR |
| 537 | atm_dispute | Cardholder recieved the wrong amount from an ATM | CUSTOMER_DISPUTE |
| 538 | INCORRECT_CURRENCY | Transaction was processed in the Incorrect currency | PROCESSING_ERROR |
| 539 | MERCHANDISE_DAMAGED | Merchandise or product was damaged or defective | CUSTOMER_DISPUTE |
| 540 | MERCHANDISE_RETURNED | Merchandise or product was returned | CUSTOMER_DISPUTE |
| 541 | FRAUD_PROGRAM | The merchant is already in a fraud program and a cardholder claimed the charge is fraudulent | MISCELLANEOUS |
| 542 | CHARGEBACK_REVERSED | Credited; chargeback reversed | ADJUSTMENT |
| 543 | EXPIRED_CARD | The card was expired | PROCESSING_ERROR |
| 544 | NO_SIGNATURE | No signature | PROCESSING_ERROR |
| 545 | NO_SHOW | Cardholder claims a no-show or cancelation policy wasn’t properly disclosed | MISCELLANEOUS |
| 546 | DISPUTE_ADJUSTMENT | Dispute adjustment | ADJUSTMENT |
| 547 | QUESTIONABLE_CLIENT_ACTIVITY | Questionable client activity | FRAUD |
| 548 | CHIP_LIABILITY_SHIFT_COUNTERFEIT_FRAUD | Chip liability shift counterfeit fraud | FRAUD |
| 549 | NO_IMPRINT | Sales draft does not contain a JCB card imprint or the transaction data read from the magnetic stripe/IC chip of the JCB card. | PROCESSING_ERROR |
| 550 | HIGH_RISK_ORDER | The order was deemed high risk | FRAUD |
| 551 | INCORRECT_INVOICE | Customer claims incorrect invoice such as missing discounts or items on the invoice are incorrect | CUSTOMER_DISPUTE |
| 552 | NO_VALUE_PROVIDED | Pagos didn’t receive a value from the processor | NO_VALUE_PROVIDED |
| 553 | UNREADABLE_VALUE | Pagos received a value from the processor that we can’t interpret (e.g. test1234, dflgoiwyz) | UNREADABLE_VALUE |
| 554 | NO_REPLY | Merchant failed to respond to an inquiry by the stated deadline | INQUIRY |
| 555 | GOOD_FAITH_INVESTIGATION | A dispute was initiated after the normal time frame, and the merchant accepted it | CUSTOMER_DISPUTE |
| 556 | REASON_NOT_AVAILABLE | Reason code not available | MISCELLANEOUS |
| 597 | VIOLATION | Violation of regulations | PROCESSING_ERROR |
| 638 | RECOVERY | Chargeback recovery | UNKNOWN |
| 639 | CANCELLATION | Pre-compliance chargeback cancellation | CANCELLATION |
| 640 | CARD_NEVER_RECEIVED | Customer never received the card | ISSUE_WITH_CUSTOMER_ACCOUNT |
| 641 | INSUFFICIENT_REPLY | Merchant only provided partial documentation | INQUIRY |
| 642 | CHIP_LIABILITY_SHIFT_NON_COUNTERFEIT_FRAUD | Chip liability shift non-counterfeit fraud | FRAUD |
Chargeback Reason Codes
Chargeback Reason Codes
⌘I