Chargeback amount is equal to or less than the exceeded limited /authorised amount. The reason codes are grouped into several broad. Code #10. The use of this reason code indicates that the cardholder does not recognize the transaction as it appears on their bank statement. Visa chargebacks can be a major inconvenience for merchants. Click the Update Chargeback link to edit the chargeback details. 4853 – Cardholder Dispute – Goods or Services Not Provided. 4 – Other Fraud, Card-Absent Environment; Mastercard 4837 – No Cardholder Authorization American Express F24 – No Cardmember Authorization; Discover UA02 – Fraud: Card Not Present Transaction American Express Chargebacks / Disputes. But friendly fraud is much more ambiguous. American Express. Each code corresponds to an issue or problem. Additionally, Amex uses a fifth "Miscellaneous" category. Chargeback Reason Codes by Industry. Reason Code. Chargeback Reason Codes / American Express / F24 – No Cardmember Authorization Reason Code F24 Category Fraud DESCRIPTION Why did I receive this chargeback? The cardholder claims he or she has previously shopped with the merchant but didn’t participate in this particular purchase. Scenario 2. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. ”. United States. In fact, for every dollar lost to chargebacks in 2019, the average merchant lost an additional $2. 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. The most common fraud-related reason codes are: Visa 10. Once filed, the merchant generally has 20. Chargeback Reason Codes All received credit card disputes include a reason code. 10201. Reason Code. Reason Code 03: Laundering: The merchant processed transactions that did not involve a bona fide cardholder: Reason Code 04: Excessive Chargebacks: The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds:. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. Looking for the opportunity his daughter Nia slips out his card and shops for her Prom night. Reference these when rebutting cardholder disputes at your small business. This definitive guide comprise which chargeback reason encrypted with apiece of the four greater bill networks. 3. Let’s say you got a Visa chargeback with reason code 13. The newer system is designed to. Visa has recently announced changes to its chargeback rules. 2. Reason Code 02. Here are some chargeback reason codes by card type. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. 0. With an eCommerce transaction, 3-D Secure technology works like an online PIN code. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. 1. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 2 address the specific dispute reason with the documents you send. The shorthand description is “Goods/Services Not as Described. Case Studies. Select the value “open”. P08 – Duplicate Charge. If the order was genuinely not as described, then the cardholder has a case. These reason codes are divided into three categories depending on the supposed cause of a chargeback: consumer disputes, processing error, or fraud. Description: Reason Code: Explanation: Incorrect Card Number: American Express P01, P22; Discover IN; Mastercard 4808; Visa 12. When one cardholder initiates a dispute with their issuing bank, a. Reason . The customer regrets their purchase. Specifically, these updates only pertain to transactions that are charged back after Oct. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim. 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. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Visa assesses the following fines, as specified in the table below, to a U. Here are some steps you can take to handle chargeback requests: 1. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. Chargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Please see the below “cheat sheet” for the new 4 byte reason codes. These are all the known American Express chargeback codes. If more information is needed, you’ll either receive an Inquiry or a Chargeback. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. 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. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Mastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. Visa recently shortened chargeback time limits from 45 days to 30. The good news is that most of these invalid claims are disputable by the merchant. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. By understanding the reason behind the chargeback, you can gather the necessary evidence to support your case effectively. ; Help Center Find answers to common questions about Midigator’s technology,. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. 3: Goods or services were not received: C08: RG: 4855: 13. Be sure to communicate with the customer and their bank professionally and courteously. If you believe you have received an ACH return in error, you can contact your bank. Check the chargeback reason code. 102. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. 4. These codes are broken down into five different category. For example, your trading name on the receipt differs to that on their statement. Specify the invoice date and net due date to assign to chargebacks. Once filed, the merchant generally has 20 days to respond to the chargeback. Regardless, merchants must respond to the given reason code. Visa Chargeback Reason Codes. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. 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. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. [noun]/* chahrj • bak • rə • pôrt/. Scenario 1 — upfront chargeback. Chargeback reason codes have changed. For more information on these and other updates, check out our complete chargeback reason. message. ” This reason code is used when a cardholder claims that while they have previously shopped with the merchant, they did. Refer to the following list for accepted values in the field chbk_reason_code. Here are the two possible scenarios: 1. Ethoca alerts can prevent chargebacks before they hit your bank account. The terminal action codes are in Table 122 of the 4. 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:Visa also overhauled its system of chargeback reason codes. Availability Date: October 24th, 2021. For perspective, the next highest. Each card. 101. F24 Multiple Charges F25 No authorization for total amount of charge F26 Incorrect name on transactionP01 – Unassigned Card Number. AMERICAN EXPRESS; CODE: DESCRIPTION: A01:. 105. It’s even more frustrating if you don’t understand what the chargeback code means. By entering your email, you agree to receive marketing emails from Shopify. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. 4808 – Authorization-Related Chargeback – Multiple Authorization Requests. Card networks send these codes to merchants to indicate why a chargeback has been filed. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. A Charge is Disputed * We’ll work directly with the Card Member and try to resolve the case before reaching out to you. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)When the customer disputes a charge, the issuing bank then begins the chargeback process. This chargeback will include a description that provides additional information: Digital Goods $25 or Less. F24: No Card Member Authorization:. Specify the default reason code that you want the system to assign when you enter a chargeback amount. 3. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. FIGHT What compelling evidence is needed to respond? The Fintech Times. 5 (1050) (Visa) Card-not-present fraud: 10. Protect stored cardholder data. The situation is only growing worse; according to the 2022 Chargeback Field Report, six out of every ten chargebacks issued in North America in 2023 will be the result of friendly fraud. Fight;. In the case of friendly fraud, that reason could be completely invalid and. The major card networks have unique reason code systems, and banks use separate tools. It is important for the merchant to know about the American Express Chargeback. Solutions. Visa chargeback reason codes. A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. 00 EUR as a Withdrawal fee. However, Visa is the largest card brand in both the United States and the world. Take the time to note the following dispute reason codes for Visa. 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. About Careers Contact. A reason code is an alphanumeric code that explains the reason behind the dispute. A reason code is a numeric code that describes the cause behind a chargeback dispute. In short: yes. Here’s how your store can prevent and deal with chargebacks. Chargeback Reason Codes by Network - 2023 Guide. 104. 60. Reason. As soon as a customer requests a chargeback, their bank will reach out to the business’s bank and give them a heads-up that the chargeback has been requested. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. reason codes. Carefully analyze the reason provided by the cardholder for the chargeback. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. F25: The charges submitted did not receive an authorization approval code for the total amount of the charge. The third digit indicates the specific reason within that category. One of two things will happen next. ). 1? Visa chargeback reason code 12. With that said, you still need to understand the reason codes with any chargebacks from Amex. These chargebacks occur to resolve chargeback-related disputes between network members. Codes are not often shared between issuers which means it can be difficult to remember the details of each. F24: Beginning Other Expense: 00000: 9200: F25: Ending Other Expense: 00000: 9699: F26: Beginning Tax Expense: 00000: 9700: F27: Ending Tax Expense: 00000: 9799: F28: Ending Profit and Loss Accounts:. High Level Visa Chargeback Dispute Flow. Type. The Cardmember claims they did not participate in this Charge. Step 1: The cardholder disputes a charge. You submitted the. Blog and Articles; Success Stories; Chargeback Reason Codes; BIN Look-up; eGuides the Reports; Webinars; Knowledgebase; Online; Partners. processed the transaction correctly. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. Be transparent about your products. Reason Code. Yes. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. ECM monitors first presentment chargebacks regardless of reason code or transaction type. American Express Chargebacks / Disputes. A chargeback happens when a customer requests for a transaction to be reversed. Chargeback. 2 for Visa and Reason Code 4850 for Mastercard). 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. At the same time, the average chargeback costs $191, with merchants bearing more than two-thirds of the financial impact. UA06 Fraud – Chip and PIN Transaction. A Merchant Outlet is identified in the Global Merchant Chargeback Monitoring Program if it meets or exceeds all of the following monthly performance activity levels:. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. 60 due to merchandise, fees, overhead, and other sources of loss. Products. F24: No Cardmember Authorization: F29: Card Not Present:. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. 3 falls under the “Consumer Disputes” category. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. 1=1010, 10. Discover uses unique codes to explain those reasons to merchants. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. ”. 4. Reason Code 12. 7 • A transaction has been processed against a card number that is invalid because it does not exist, has not been assigned to an active cardholder account, or is otherwise incorrect. 1: EMV Liability Shift Counterfeit Fraud:. So the company has more incentive to side with customer during cardholder. 3. But, merchants should be aware that, eventually, everyone will be required to use the new designations. Last updated: October 15, 2019 . P22 Non-Matching Card Number F14 Missing Signature P23 Currency Discrepancy F24 No Cardholder Authorization R03 Insufficient Reply F29 Card Not Present R13 No Reply F30 EMV Counterfeit. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. This definitive guide includes the chargeback rationale codes from each of to four major card networks. The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. R13 No Reply. S. Midigator has created a database of American Express reason codes. Click “add filter”. Reason code 83 represents a chargeback categorized as. 4 applies to eCommerce, whereas code 10. This can be transaction receipts, proof of. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Later in the week, George checks his account to find out an unknown transaction to an online accessory merchant. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. Write a chargeback rebuttal letter (with sample template) 8 Ways to Prevent Chargebacks. The reason codes help merchants understand the reason for particular chargebacks and better tailor their responses to chargebacks. Chargeback Reason Codes by Mesh - 2023 Guide. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. Select a tab to see the possible. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. There is a USD 25 limit for the First Chargeback (Reason Code 22). It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. Chargebacks are something every business wants to avoid, as they can. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. There are several useful benefits of chargeback prevention alerts: Reduce chargeback rates by about 20-30% to help prevent chargeback threshold breaches. Preventing Mastercard Reason Code 4837 Chargebacks. Number two: Product Not Received chargebacks. Other Fraud—Card Present Environment. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. FAQ: What is Chargeback Representment?. 2. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Reason Code 81: Fraud. 103. 6. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. Here’s how your store can prevent and deal with chargebacks. In the distribution industry,. 2 EMV Liability Shift. Find explanations for the major credit card issuers dispute reason codes in the Cardholder Dispute Reason Code EncyclopediaUnfortunately, it is pretty challenging to prevent friendly fraud. the requested documentation, your account will be debited. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Date Option. American Express Chargebacks / Disputes. FAQ: What is Chargeback. US/Canada Chargeback reason code. Additionally, Amex uses a fifth "Miscellaneous" category. Code #4863 / #63; Code #AA;. Chargeback prevention strategies vary based on the reason for the. About American Express chargeback reason codes. ) A no-nonsense summary of evidence that proves transaction is legit. The most comprehensive guide to chargeback reason codes. American Express chargeback reason code C42. During this process, the representative of the institution examines the reasons’ list. ”. These codes are notoriously inaccurate; in fact, first-party fraud is predicated on reason codes being inaccurate. Every time a merchant processes a transaction, they are supposed to send an. 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. Chargeback Reason Key by Network - 2023 Guide. Code. Each chargeback reason code has specific rules and documentation requirements. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim. many chargeback reason codes that exist today. 105. 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. Fraud. 10. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. 1 EMV Liability Shift 10. 1 Authorisation . Receiving a damaged product. Fight; Prevent; Recover; Technical. The first step to fighting a chargeback, is to research the reason code which explains the reason for the chargeback and the required compelling evidence to dispute it. 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. American Express Chargebacks / Disputes. The system does not accept blank as a value, even if it is defined in the user defined code table. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. 3. Vantage House“Visa has 28 different reason codes. Those reasons are explained through the corresponding reason codes. Identify issues within 24 hours of a cardholder dispute, rather than waiting. Discover: Reason Code 4755 Non-receipt of goods or services. Values are: Blank: Use the receipt G/L date. The issuer investigates. This definitive guide include the chargeback base codes from each away and four more card networks. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. Each bank card network has its owner list of reason codes banks must prefer from. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Technical. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. Amex Chargeback Reason Code F24: No Cardmember Authorization Description A card-not-present transaction occurs when cardholder files a complaint that he/she. Acquirer after the 3-month Workout Period, as described in “Excessive Fraud Activity Notification - U. S. For example, Mastercard has a code which indicates a ‘consumer dispute. Chargeback reason codes. Once filed, the merchant generally has 20 days to respond. 2. Description: Reason code for applying handling fee. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Most chargebacks occur due to merchant error, true fraud and friendly fraud. Company. Discover chargeback reason code 7030. #9. US and Canada. Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program,” are excluded from program monitoring. 2 chargeback if you override a declined, referral, or pickup authorization message, but process the transaction anyway. /HealthCare IIAS Auto-sub Data Retrieval Request 70 Int'l only Effective Change Date AMEX F24 FR4 FR5 M01 M04 M10 P01 P04 P05 R03 R13 Duplicate Billing Captial damages M19 Offset adjustment Non-Matching Account Number. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. Visa. The cardholder does not recognize the Merchant. They only bill customers during a dispute if there is compelling evidence to show the cardholder’s account is in the wrong. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—QuestionableWhich fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. 11/03/15 Updated these MasterCard. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. Chargeback reason code. Submitted: The response has been sent and the issuer is. The shorthand description is “No Authorization. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Unauthorized returns (R05, R07, R10, R29, R51): 0. The incorrect amount being charged. VCR Dispute Reason Code 10. The following chargeback reason codes are related to EMV: Visa: 10. Our research suggests that friendly fraud will represent 61% of all chargebacks by 2023. Click on the categories below to view the American Express chargeback reason codes and access tips to help manage each one. 3 Fraud – Card-Present Environment. Info Us; In and. 4: . 4, 12. The cardholder initiates contact with their bank or credit union to file a dispute. There are multiple situations in which this can occur. If you don’t reply in time or with . 1 falls under the “Processing Errors” category. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. The chargeback process can last from one month to six months. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. Chargeback Report. Solutions. Reason Code F24: No Cardmember Authorization. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. Card Brand Code Description. Chargeback reason codes. Read the Chargeback Advice letter carefully. These can be classified into three types of chargebacks. Visa ® has launched the CE 3. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. Chargeback Reason Codes by Network - 2023 Orientation. FR4 Immediate Chargeback Program. 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. This reason code indicates that the merchant. Spot these types of chargebacks using the below reason codes. Fraud (10)& Authorization (11)Aforementioned definitive guide includes and chargeback reason codes from each of the four major bill networks. Documentation must be a direct result of cardholder communication. F26: The name provided on the transaction is not the cardholder's name. for chargeback reason code 4863 (Cardholder Does Not Recognize). Goods/Services Not Received or Only Partially Received. F24: Fraud - No Cardholder Knowledge: 120: Fraud: Amex: F29: Fraudulent Transaction - Card Not Present: 120: Fraud:Updated August 23, 2023. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. “ Chargeback Fraud Threat Growing as 65% of Chargebacks911’s Respondents Reported an Increase in 2022 “. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. Card Member cancelled, refused or returned goods and/or. 3. A reference for dispute reason codes, divided by dispute event category. 10. Visa chargeback reason code 75 is filed as an honest mistake. Versions Affected: v5, v6. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect. MasterCard: Reason Code 4859 Services not rendered. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Which is meant to know the reason for the dispute. For details on how to receive notifications of chargebacks, accept or dispute them, and submit evidence to. Click on “report a problem” and select the transaction in question. Visa Chargeback Reason Codes.