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Chargeback reason codes and what do they mean?
Visa Chargeback Reason Codes
| Code | Category | Description |
| 10.1 | Fraud (10) | EMV Liability Shift Counterfeit Fraud |
| 10.2 | Fraud (10) | EMV Liability Shift Non-Counterfeit Fraud |
| 10.3 | Fraud (10) | Other Fraud – Card Present Environment |
| 10.4 | Fraud (10) | Other Fraud – Card Absent Environment |
| 10.5 | Fraud (10) | Visa Fraud Monitoring Program |
| 11.1 | Authorization (11) | Card Recovery Bulletin or Exception File |
| 11.2 | Authorization (11) | Declined Authorization |
| 11.3 | Authorization (11) | No Authorization |
| 12.1 | Processing Errors (12) | Late Presentment |
| 12.2 | Processing Errors (12) | Incorrect Transaction Code |
| 12.3 | Processing Errors (12) | Incorrect Currency |
| 12.4 | Processing Errors (12) | Incorrect Transaction Account Number |
| 12.5 | Processing Errors (12) | Incorrect Transaction Amount |
| 12.6 | Processing Errors (12) | Duplicate Processing or Paid by Other Means |
| 12.7 | Processing Errors (12) | Invalid Data |
| 13.1 | Consumer Disputes (13) | Services Not Provided or Merchandise Not Received |
| 13.2 | Consumer Disputes (13) | Cancelled Recurring Transaction |
| 13.3 | Consumer Disputes (13) | Not as Described or Defective Merchandise/Services |
| 13.4 | Consumer Disputes (13) | Counterfeit Merchandise |
| 13.5 | Consumer Disputes (13) | Misrepresentation of the purchased good and/or service |
| 13.6 | Consumer Disputes (13) | Credit Not Processed |
| 13.7 | Consumer Disputes (13) | Cancelled Merchandise/Services |
| 13.8 | Consumer Disputes (13) | Original Credit Transaction Not Accepted |
| 13.9 | Consumer Disputes (13) | Non-Receipt of Cash or Load Transaction Value at ATM |
Visa time limits to dispute chargebacks
Merchants must respond within 30 days of day one for each phase. In Visa’s case, day one is the day after each phase is initiated. Merchant time limits have only one exception: if either party wants to escalate a dispute to arbitration, they must do so within 10 days.
MasterCard Chargeback Reason Codes
| Code | Description | Category |
| 4837 | No Cardholder Authorization | Fraud |
| 4840 | Fraudulent Processing of Transactions | Fraud |
| 4849 | Questionable Merchant Activity | Fraud |
| 4863 | Cardholder Does Not Recognize—Potential Fraud | Fraud |
| 4870 | Chip Liability Shift | Fraud |
| 4871 | Chip/PIN Liability Shift | Fraud |
| 4807 | Warning Bulletin File | Authorization |
| 4808 | Authorization-Related Chargeback | Authorization |
| 4812 | Account Number Not On File | Authorization |
| 4834 | Point-of-Interaction Error | Point-of-Interaction Error |
| 4831 | Transaction Amount Differs | Point-of-Interaction Error |
| 4842 | Late Presentment | Point-of-Interaction Error |
| 4846 | Correct Transaction Currency Code Not Provided | Point-of-Interaction Error |
| 4850 | Installment Billing Dispute | Point-of-Interaction Error |
| 4999 | Domestic Chargeback Dispute (Europe Region Only) | Point-of-Interaction Error |
| 4853 | Cardholder Dispute | Cardholder Disputes |
| 4841 | Canceled Recurring or Digital Goods Transactions | Cardholder Disputes |
| 4854 | Cardholder Dispute—Not Elsewhere Classified (U.S. Region Only) | Cardholder Disputes |
| 4855 | Goods or Services Not Provided | Cardholder Disputes |
| 4859 | Addendum, No-show, or ATM Dispute | Cardholder Disputes |
| 4860 | Credit Not Processed | Cardholder Disputes |
MasterCard time limits to dispute chargebacks
MasterCard has a time limit of 45 days from the date of the chargeback.
*Time limits are for the acquiring bank. Merchants will typically be given half the amount of time the acquiring bank is given to accommodate for the time they need to process internally.