Other card networks are expected to follow suit, and if so. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. First presentment fraud chargebacks include those with chargeback reason codes 4837 (No cardholder Authorization) and 4863 (Cardholder does not recognize — potential fraud). M01 Chargeback Authorization. 8. Friendly fraud in the hospitality industry isn’t slowing down. There are two parts to this. They may also have requirements that must be met in order for a transaction to be eligible for coverage, such as delivery confirmation. A Shopify chargeback occurs when a cardholder contacts the bank about. 1 Quick Reference Lead. 4541 AP: Recurring Payments: 120: Cardholder Dispute: Discover: 4542 LP: Late Presentation: 120: Processing Errors: Discover: 4550 CD:. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. FR6 Partial Immediate Chargeback Program. . 2 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. The charge is reversed and goes back to your credit card. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. The customer regrets their purchase. However, don’t expect to eliminate it altogether. Some disputes are filed because an unauthorized third party used the card, but many consumers dispute their own transactions for one reason or another. It can range from 60 to 120 days from the billing date. 2. Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10: Arbitration; Chapter 11: Fraud filters; How to Create the Best Chargeback Responses. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. Write a chargeback rebuttal letter (with sample template) 8 Ways to Prevent Chargebacks. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. The tickets were held at the box office, and no signature, swipe or imprint. Technical. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. 9 Interchange 127 1. 4854 Cardholder Dispute—Not Elsewhere Classified (U. See the list of reason codes below: Card Network. September 2011: 5. 7. All chargebacks start with a customer making a purchase in person, in an app, or online. Duplicate Processing - 81The issuing bank listens to the cardholder’s claim and determines whether it constitutes a valid reason to grant a chargeback. They can also be caused by a merchant failing to process a cancellation promptly. 5 billion lost in 2020. The issuer reviews the case, assigns a reason code, and initiates the chargeback. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. Receivable’s lets you enter a chargeback against a credit memo or an on-account credit memo only if they have a. This can provide important information to fight the dispute. 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 CardholderThe situation grows more tenuous when you realize most of those chargebacks were likely the result of friendly fraud. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. Try Shopify free for 3 days, no credit card required. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. . There are several reasons why many merchants turn a blind eye to suspected return fraud. Code 70: Co-Op Allowance. Code. The newer system is designed to. Also, just like American Express, Discover functions as both a card network and an. Merchants can find a. R13 No Reply. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. This chargeback occurs when merchants do not adequately provide currency information. This scenario applies when the arbitration was raised by either the. Following the Mastercard dispute guidelines, consumer dispute chargebacks are filed under reason code 4853 - Cardholder Dispute. Preventing Mastercard Reason Code 4837 Chargebacks. Chargeback Reason Codes Visa. Acquirer Use of Message Reason Code 7623. This is now an obsolete reason code, and issuers have been instructed to use code 4808 instead. Terms and conditionsHow you respond is determined by the chargeback reason code: Embed This Graphic. About Careers Contact. It can range from 60 to 120 days from the billing date. For example, suppose a cardholder filed a case about an order processing issue, and you disputed the chargeback. ACH disputes pertain to various parties involved in an ACH transaction, which is an electronic funds transfer facilitated. 196Chargeback reason codes can change with new information. This would be filed using reason code 12. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. The old-fashioned way of determining the root causes of your chargebacks involves comparing. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. . 4 – Counterfeit MerchandiseChargeback Reason Codes Page 2 of 5. 10. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. Chargeback fees are designed to cover the bank’s overhead for processing chargebacks. . The third digit indicates the specific reason within that category. Merchants who believe they have received an invalid chargeback under reason code 13. It is associated with a chargeback reason code, and it is specific per Card Scheme. Chargeback Reason Codes All received credit card disputes include a reason code. At Visa they used to receive reason code 98. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Ethoca alerts can prevent chargebacks before they hit your bank account. Prevent chargebacks. Chargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. R03 Insufficient Reply. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback. Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. By entering your email, you agree to receive marketing emails from Shopify. If you believe you have received an ACH return in error, you can contact your bank. That said, looking up purchases using this number can make it easier to provide info following an. Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive . Be sure to communicate with the customer and their bank professionally and courteously. United States. Friendly Fraud Dispute caused by accidental or deliberate chargeback abuse. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. This authoritative guide includes the chargeback reason key from each from the four major card netz. Responding to a chargeback request. 104. Code 72: Labor and Handling (Ticketing/Re-Ticketing)Every chargeback comes with a reason code. Chargeback reason codes have changed. Equally, U. 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. If a customer makes a chargeback request on the basis that he or she has not authorised the transaction, the customer's bank will charge the transaction back to the merchant’s bank. Today, it’s one of the most widely used codes, but Pullen said that’s because agents often slap it on. April 2018_Chargeback Reason Code Encyclopedia. The cardholder may be the customer or the someone who lent their card to a friend or relative. Chargeback: Used when a deduction must be settled with a chargeback. 43 EST. Review the code to learn the reason for the chargeback and any other pertinent details. There are multiple situations in which this can occur. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective; American Express Reason Code C05 – Goods/Services Canceled; However, some reason codes are highly specific and apply only to a certain type of product, such as: Visa Reason Code 13. 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. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. The most popular type of disputes of the chargeback category. 1001 - Cardholder does not recognize the transaction. AP Asia Pacific (AP) CEMEA Central Europe, Middle East, and Africa (CEMEA)Updated August 23, 2023. For example, 100 e-commerce first presentment fraud chargebacks in the current month divided by 10,000 e-commerce transactions in theThe most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. Date Updated: Oct 17 2022 TABLE OF CONTENTS What Are Chargeback Reason Codes? Importance of Chargeback Reason Codes Chargeback Reason Code Categories The Complete Chargeback Reason Codes. 18167 US Highway 19 N Clearwater, FL 33764 877. Required Authorization Not Obtained. . M49 Vehicle Rental – Theft or Loss of Use. The actual underlying cause of this chargeback is. Chargeback . TC40 data is used to inform banks and card networks when a merchant has an outstanding fraud. SP: Short payment. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. Return fraud happens when consumers bring an item (or items) back to you to request a refund in the form of store credit or cash. American Express chargeback reason code C02 falls under the “Card Member Disputes” category. 3 – Incorrect Currency 12 . Reason Code. Examples are: DA: Disputed amounts. Click on the Chargeback Reason Code drop-down menu, the user can change the. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. 1 – EMV Liability Shift 10. . The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type of chargeback. If your business never experiences a chargeback, you’ll never have to pay this fee. You can request a chargeback from the bank that issued the card If: The transaction was unauthorized. CD: Credit/Debit Posted Incorrectly: CR: Canceled reservation. In the world of chargebacks, card networks almost always side with cardholders. What is a chargeback time limit? The chargeback response. 1. Step #2 | Report the Scam to PayPal. Chargeback Reason Codes by Industry. Always ask for authorization regardless of the transaction amount. Responding to Mastercard Reason Code 4853 Chargebacks. Specifically, these updates only pertain to transactions that are charged back after Oct. . Stage #1: Awareness - be aware of the chargeback response time limitVisa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. S. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. A merchant error chargeback is a chargeback caused by an error on the part of the merchant, such as non-delivery, damaged goods, etc. There are also specific return time frames, which can differ. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. If the bulk of reason codes your business sees are fraud-related and you lose these chargebacks after submitting compelling evidence, true fraud problems are present. Disputes with this reason code are still limited to a 120-day filing window. 4 Ways to Fight Chargebacks: Gather compelling evidence. 2 Compliance CasesReason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. ISD technology lets you fight chargebacks based on the true reason, not just the reason code. 7. Specify the default reason code to. Based on this, you can. You can email us at: disputeresponses@barclays. 3: Goods or services were not as described: C31: RM: 13. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Choose the representment amount. AP Asia Pacific (AP) CEMEA Central Europe, Middle East, and. 4 (Other Fraud – Card Absent Environment). You should place a Code 10 call when. This reason code is accompanied by a fraudulent reason code (UA). transactions with a CPD before 1 October 2017. 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. A reason code is how banks categorize the reason for a chargeback. The reason code. Usually, the reason codes will fall. AP Asia Pacific (AP) CEMEA Central Europe, Middle East, and Africa (CEMEA)About American Express chargeback reason codes. The shorthand description is “Warning Bulletin File. 10. Reason codes vary by card brand. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. There are several different methods for obtaining a credit card payment reversal. However, they don’t address the reason why that chargeback was issued in the first place. Visa Chargeback Life Cycle. 502 DM-REFUSED DEBIT VENDOR-DOCK REFUSAL AP Forms, Invoice Shortage Dispute 503 DM-PAY/CAN BOOK INV IN & OUT PO CANCEL AP Forms, Invoice Shortage Dispute 504 DM-DUP INV DM-DUPLICATE INVOICE AP Forms, Invoice Shortage Dispute 505 DM-T. 3. . Instead of relying on individuals within your organization to route paper or emailed invoices to the appropriate AP desk, an automated solution would scan the invoice. Here’s how your store can prevent and deal with chargebacks. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. All chargebacks start with a customer making a purchase in person, in an app, or online. The charge is reversed and goes back to your credit card. One of the manufacturers--Toy House maintains only 30 internal reason codes to. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. Products. Purpose: Use the vendor charge back function in CWSerenade to track the return of merchandise to a vendor for credit. With that said, you still need to understand the reason codes with any chargebacks from Amex. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code F29, which indicates an unauthorized transaction that the cardholder does not believe they should be responsible for paying. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. 2022 Visa Chargeback. 02/10/16 Added Debit Chargeback Reason Codes. Retrieval Request/ Copy request Reason Codes. Chargeback reason codes are codes used to categorize the reason for the dispute. Here the cardholder is claiming that you were supposed to provide them with a refund, but no credit has been applied to their account. Mastercard Chargeback Reason Code 70: Chip Liability Shift. 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. However, Visa is the largest card brand in both the United States and the world. The major card networks (Visa, Mastercard, Discover, and American Express) established these codes to clearly identify the reason a chargeback was. This means that if a merchant issues a refund in response to an alert, and it still results in a chargeback, the management company will refund the alert fee. ) Contracts. Other Fraud—Card Absent Environment. . Reason Codes: 08 / 20 / 71 / 72 A card was used either before or after its valid date Never process a transaction on a card prior to, or after, the valid date. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. 29 Reason Code 30: Services Not Provided or Merchandise Not. Friendly fraud is challenging for merchants because it’s tough to diagnose. Vantage HouseREQUEST A DEMO. 6: Credit not. The authorized transaction was for goods or services that the merchant did not deliver as per a contract, receipt, or some other written. In simple terms, Mastercard Chargeback Reason Code 4859 — No Show/Addendum/ATM Dispute refers to situations where a customer claims the services purchased from a merchant were not fulfilled. Our technologies enable merchants to identify the source of disputes, then deploy the right solution to deliver immediate results. Otherwise, the Discover card chargeback time limit starts at the transaction processing date. This ranges anywhere from roughly 60 to 90 days after purchase. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. 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—QuestionableIf you respond in good time, in certain circumstances, we may be able to defend the chargeback for you – even if your chargeback notification says that you’ve already been debited. PCI DSS v3. So don’t spend another second worrying about chargebacks. 0: Updated report version from 1. Discover 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. In that way, winning one dispute may help prevent the next chargeback to come after it. These are outlined below: 1. 10. The new Visa CE 3. However, the return request is invalid, as the customer does not have a legitimate right to a refund for one reason or another. AP Canceled Recurring Transaction; AW Altered Amount; CD Credit Posted as Card Sale; DP Duplicate Processing; IC Illegible Sales Data;It’s vital that you know the chargeback’s reason code so you can properly craft your response. Solution. Blog and Articles; Success Stories; Chargeback Reason Codes;. You must designate the write-off reason code for the system to use when you activate the automatic write-off feature. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. Discover Chargeback Reason Codes Explained. Must be set up in Oracle Receivables. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback, AP automation is an approach to the AP process that involves using software solutions to create an efficient, digitized workflow for receiving, reviewing, and paying invoices. processed the transaction correctly. However, for simplification, they are divided into eight categories: Fraudulent activity; Authorization issues;. 1 – Merchandise/ Services Not Received 13 . 1 for Visa transactions, or reason code 4834 for Mastercard. See moreWhat causes code AP chargebacks? Code AP chargebacks are often caused by a merchant failing to process a cancellation request from a customer or by a. Check with the issuing banks to determine what time limits may apply to you. You can create multiple chargebacks against each transaction, for positive or negative amounts. This provided a number of insights into the typical. reason code group can be utilized for analysis and segmentation purposes. In representment, the merchant provides evidence to the issuing bank based on the chargeback reason code. FAQ: What is Chargeback Representment?. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. ”. . Fight; Hinder; Recover; Resources. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. Jan 2020_Chargeback Reason Code Encyclopedia - Free download as PDF File (. 1 Original Credits 126 1. A chargeback happens when a customer requests for a transaction to be reversed. Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive . 1Chargeback agency rollup code CASE NUMBER 12 20 NUM/9 CASE-NO Unique numeric identifier for each case RECORD TYPE 21 21 NUM/1 REC TYPE Appropriate record type 1 – SUMMARY. If they succeed, the issuing bank will reverse the chargeback and return. 7: Defective goods and services: C32: RM: 13. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. Updated Visa Reason Codes. Code 12 . 2. 5 – Incorrect Amount 12 . American Express chargeback reason code C42. A chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. 11/03/15 Updated these MasterCard. Can it be disputed? In order to identify the reason a customer disputed a charge, it can be helpful to examine the reason code on the chargeback. Post Views: 2,142. Verify that the processing options are set up appropriately for discounts, chargebacks, write-offs, and deductions, as well as for any type input codes that you allow. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. com Europe. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. Reason codes are very crucial to assist. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. The chargeback transfers funds from the acquirer to the issuer. Chargeback Reason Codes by Network - 2023 Orientation. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. Try Shopify free for 3 days, no credit card required. Additionally, one clearing transaction. Chapter 2 1. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. Chargeback Reason Codes. That's why we've created this guide, which goes over what reason codes are and how they help fight chargebacks and includes up-to-date lists of the reason codes for all the major US card networks. Reason Code 53 Re-presentment Conditions. Overall returns (all codes): 15%. "And if the merchandise was returned for late delivery, the issuer should wait 15 days after the return of the merchandise before filing a chargeback. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 2. Code 63: BOL Addressed to Wrong Location. Customer Dispute. 3. Visa chargeback reason code 75 is filed as an honest mistake. Fri 24 Nov 2023 05. 3. All of Visa’s existing reason codes were condensed into four key groupings: fraud, authorization errors, processing errors, and customer disputes. Multiple Authorization Requests. Discover Cardholder Dispute Chargeback Reason Codes AA — Cardholder Does Not Recognize The consumer files a dispute claiming that they do not recognize. By entering your email, you agree to receive marketing emails from Shopify. This process is called a chargeback. reasonable and that the transaction did not exceed this amount range. “American Express Chargeback Reason Codes | Sift”. The CB Reason represents the default reason for marking the transaction as a chargeback, but this default value can be changed. A dispute often has a reason code associated with it. For example, if a store or distribution center receives 40 cases but the invoice is for 45 cases, a Code 22 will be issued for the 5 outstanding cases. 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. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831. But cardholders and merchants have different time limits. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. RMA:. The claim often, but not always, involves automated teller machines (ATMs). Here are some chargeback reason codes by card type. 1002 - Cardholder disputes billed amount. There are several types of chargeback reason codes that can be used, including the following: 1. Previous Page. Reason Codes: 22 / 23 / 32 / 35. If the order was genuinely not as described, then the cardholder has a case. most common reason codes for recurring merchants include: 7. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. 4853 – Cardholder Dispute – Goods or Services Not Provided. 1 = EMV-Liability Shift counterfeit. CLAIM DEBIT VNDR-AP APPLIED CARRIER CLAIM AP Forms,. Last updated: October 15, 2019 . Claim. In simple terms, VCR introduced five definitive. Message. In Oracle Receivables you can create a chargeback against transactions to which you are applying a receipt. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. 6: Duplicate processing/Paid by other means. While every card system has its own particular exceptional arrangement of chargeback reason codes, the categories are fundamentally very similar. 10. Unauthorized returns (R05, R07, R10, R29, R51): 0. *These networks do not have specific reason codes assigned to dispute; however, any retrieval that is received without a reason code will be assigned a default code of 1. The shorthand description is “Authorization Noncompliance. 3: Goods or services were not received: C08: RG: 4855: 13. • process inventory transfers and, optionally, adjust the inventory “off the books”. 7: Defective goods and services: C32: RM: 13. 6). It is subject to change and may not include every currently known dispute reason code. This is a fairly common chargeback reason that can. Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. You may have to pay the chargeback fees if the dispute is successful, ranging from $15 to $100. Values are: Blank: Use the draft G/L date. Now chargeback responses need to contain evidence that proves the cardholder’s identity was verified. Every chargeback has a reason code associated with it. Not remembering the original purchase. 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.