> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pagos.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Chargeback Reason Codes

| 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 |


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