Dispute Reason Codes - Envisso Integration Hub

Reason codes provided by payment networks for disputes. Use these to populate the reason_code column in the disputes file.

Visa

Reason Code	Dispute Type	Details
10.1	Fraud	EMV Liability Shift Counterfeit Fraud
10.2	Fraud	EMV Liability Shift Non-Counterfeit Fraud
10.3	Fraud	Other Fraud — Card Present Environment
10.4	Fraud	Other Fraud — Card Absent Environment
10.5	Fraud	Visa Fraud Monitoring Program
11.1	Authorization	Card Recovery Bulletin
11.2	Authorization	Declined Authorization
11.3	Authorization	No Authorization
12.1	Processing Errors	Late Presentment
12.2	Processing Errors	Incorrect Transaction Code
12.3	Processing Errors	Incorrect Currency
12.4	Processing Errors	Incorrect Account Number
12.5	Processing Errors	Incorrect Amount
12.6.1	Processing Errors	Duplicate Processing
12.6.2	Processing Errors	Paid by Other Means
12.7	Processing Errors	Invalid Data
13.1	Consumer Disputes	Merchandise/Services Not Received
13.2	Consumer Disputes	Cancelled Recurring
13.3	Consumer Disputes	Not as Described or Defective Merchandise/Services
13.4	Consumer Disputes	Counterfeit Merchandise
13.5	Consumer Disputes	Misrepresentation
13.6	Consumer Disputes	Credit Not Processed
13.7	Consumer Disputes	Cancelled Merchandise/Services
13.8	Consumer Disputes	Original Credit Transaction Not Accepted
13.9	Consumer Disputes	Non-Receipt of Cash or Load Transaction Value

Mastercard

Reason Code	Dispute Type	Details
4808	Authorization	Warning Bulletin File
4808	Authorization	Authorization-Related Chargeback
4808	Authorization	Account Number Not on File
4808	Authorization	Required Authorization Not Obtained
4808	Authorization	Expired Chargeback Protection Period
4808	Authorization	Multiple Authorization Requests
4808	Authorization	Cardholder-Activated Terminal (CAT) 3 Device
4834	Processing Errors	Point of Interaction Error
4834	Processing Errors	Transaction Amount Differs
4834	Processing Errors	Late Presentment
4834	Processing Errors	Point-of-Interaction Currency Conversion
4834	Processing Errors	Duplication/Paid by Other Means
4834	Processing Errors	ATM Disputes
4834	Processing Errors	Loss, Theft, or Damages
4837	Fraud	No Cardholder Authorization
4849	Fraud	Questionable Merchant Activity
4870	Fraud	EMV Chip Liability Shift
4871	Fraud	EMV Chip/PIN Liability Shift
4853	Consumer Disputes	Cardholder Dispute of a Recurring Transaction
4853	Consumer Disputes	Goods or Services Not Provided
4853	Consumer Disputes	No-Show Hotel Charge
4853	Consumer Disputes	Addendum Dispute
4853	Consumer Disputes	Credit Not Processed
4853	Consumer Disputes	Goods/Services not as Described or Defective
4853	Consumer Disputes	Digital Goods $25 or less
4853	Consumer Disputes	Counterfeit Goods
4853	Consumer Disputes	Transaction Did Not Complete
4853	Consumer Disputes	Credit Posted as a Purchase
4854	Consumer Disputes	Cardholder Dispute Not Classified Elsewhere
4850	Other	Installment Billing Dispute (Participating Countries Only)
4999	Other	Domestic Chargeback Dispute (Europe Region Only)

American Express

Reason Code	Dispute Type	Details
A01	Authorization	Charge Amount Exceeds Authorization Amount
A02	Authorization	No Valid Authorization
A08	Authorization	Authorization Approval Expired
F10	Fraud	Missing Imprint
F14	Fraud	Missing Signature
F24	Fraud	No Card Member Authorization
F29	Fraud	Card Not Present
F30	Fraud	EMV Counterfeit
F31	Fraud	EMV Lost/Stolen/Non-Received
FR2	Fraud	Fraud Full Recourse Program
FR4	Fraud	Immediate Chargeback Program
FR6	Fraud	Partial Immediate Chargeback Program
C02	Consumer Disputes	Credit Not Processed
C04	Consumer Disputes	Goods/Services Returned or Refused
C05	Consumer Disputes	Goods/Services Cancelled
C08	Consumer Disputes	Goods/Services Not Received
C14	Consumer Disputes	Paid by Other Means
C18	Consumer Disputes	”No Show” or CARDeposit Cancelled
C28	Consumer Disputes	Cancelled Recurring Billing
C31	Consumer Disputes	Goods/Services Not as Described
C32	Consumer Disputes	Goods/Services Damaged or Defective
P01	Processing Errors	Unassigned Card Number
P03	Processing Errors	Credit Processed as Charge
P04	Processing Errors	Charge Processed as Credit
P05	Processing Errors	Incorrect Charge Amount
P07	Processing Errors	Late Submission
P08	Processing Errors	Duplicate Charge
P22	Processing Errors	Non-Matching Card Number
P23	Processing Errors	Currency Discrepancy
R03	Other	Insufficient Reply
R13	Other	No Reply
M01	Other	Chargeback Authorization
M10	Other	Vehicle Rental — Capital Damages
M49	Other	Vehicle Rental — Theft or Loss of Use

Discover

Reason Code	Dispute Type	Details
UA01	Fraud	Fraud — Card Present Transaction
UA02	Fraud	Fraud — Card Not Present Transaction
UA05	Fraud	Fraud — Chip Counterfeit Transaction
UA06	Fraud	Fraud — Chip and PIN Transaction
UA10	Fraud	Request Transaction Receipt (swiped card transactions)
UA11	Fraud	Cardholder Claims Fraud (swiped transaction, no signature)
NA	Authorization	No Authorization
DA	Authorization	Declined Authorization
AT	Authorization	Authorization Non-Compliance
EX	Authorization	Expired Card
IN	Processing Errors	Invalid Card Number
LP	Processing Errors	Late Presentation
5	Consumer Disputes	Good Faith Investigation
AA	Consumer Disputes	Does Not Recognize
AP	Consumer Disputes	Recurring Payments
AW	Consumer Disputes	Altered Amount
CD	Consumer Disputes	Credit/Debit Posted Incorrectly
DP	Consumer Disputes	Duplicate Processing
IC	Consumer Disputes	Illegible Sales Data
NF	Consumer Disputes	Non-Receipt of Cash from ATM
PM	Consumer Disputes	Paid by Other Means
RG	Consumer Disputes	Non-Receipt of Goods, Services, or Cash
RM	Consumer Disputes	Cardholder Disputes Quality of Goods or Services
RN2	Consumer Disputes	Credit Not Processed
DC	Other	Dispute Compliance
NC	Other	Not Classified

Diner’s Club

Reason Code	Dispute Type	Details
A02	Authorization	Authorization Processing Errors
A06	Processing Errors	Unissued Account Number
B24	Processing Errors	Late Presentation
B25	Consumer Disputes	Duplicate Charge
B26	Consumer Disputes	Alternate Settlement Currency Incorrect Exchange Rates
B27	Processing Errors	Incorrect Currency
C41	Fraud	Fraud — Card Present Transaction
C42	Fraud	Fraud — Card Not Present Transaction
C46	Fraud	Multiple Charges at Service Establishment Fraudulent Transaction
C50	Fraud	Suspect Service Establishment — No Response to the Suspected Fraudulent
C51	Fraud	Suspect Service Establishment — Terminated Service Establishment
C53	Fraud	Fraud — Chip Card Counterfeit Transaction
C54	Fraud	Fraud — Lost or Stolen Chip and PIN Card Transaction
D61	Consumer Disputes	Altered Amount
D62	Consumer Disputes	Non-Receipt of Goods or Services, Cycle A
D65	Processing Errors	Incorrect Transaction Type
D66	Processing Errors	Credit Not Processed
D67	Consumer Disputes	Cardmember Paid by Other Means
D69	Consumer Disputes	Cancelled Recurring Transaction
D70	Other	Cardmember Does Not Recognize
D71	Consumer Disputes	Non-Receipt of Cash (ATM)

JCB

Reason Code	Dispute Type	Details
548	Fraud	IC Liability Shift
546	Fraud	Unauthorized Purchase
534	Fraud	Unauthorized Multiple Transactions
527	Fraud	Missing Imprint
526	Fraud	Missing Signature
501	Authorization	Non-JCB Card
503	Authorization	Expired JCB Card
522	Authorization	Authorization Declined
547	Authorization	JCB Card on Stop List
521	Authorization	Transaction Exceeds Floor Limit
581	Authorization	Split Sale
510	Processing Error	Mis-Post
525	Processing Error	Altered Amount
507	Processing Error	Incorrect Transaction Amount
536	Processing Error	Late Presentment
512	Processing Error	Duplicate Processing
583	Processing Error	Paid by Other Means
524	Processing Error	Addition Error
545	Processing Error	Incorrect ECI
582	Processing Error	Domestic Transaction
502	Consumer Disputes	Card-Member Dispute
537	Consumer Disputes	No Show Dispute
538	Consumer Disputes	Advance Deposit
513	Consumer Disputes	Credit Not Processed
554	Consumer Disputes	Non-Receipt of Merchandise
555	Consumer Disputes	Non-Receipt of Cash at ATM
544	Consumer Disputes	Cancelled Recurring Transaction
516	Other	Non-Receipt of Requested Item
517	Other	Requested Copy Illegible
541	Other	Illegible Item

China UnionPay

US Only

Reason Code	Dispute Type	Details
UA05	Fraud	Fraud/Counterfeit Chip Transaction
UA06	Fraud	Fraud/Chip-and-Pin Transaction
UA01	Fraud	Fraud/Card Present Environment
UA02	Fraud	Fraud/Card-Not-Present Environment
UA10	Fraud	Request Transaction Receipt (swiped card transactions)
UA11	Fraud	Cardholder claims fraud (swiped transaction, no signature)
AT	Authorization	Authorization Non-compliance
DA	Authorization	Declined Authorization
NA	Authorization	No Authorization
EX	Authorization	Expired card
LP	Processing Error	Late Presentment
CD	Processing Error	Credit Posted as Card Sale
IN	Processing Error	Invalid Card Number
AW	Processing Error	Altered Amount
PM	Processing Error	Paid by Other Means
DP	Processing Error	Duplicate Processing
PI	Processing Error	Point-of-Interaction Error
RG	Consumer Dispute	Non-Receipt of Goods or Services
AP	Consumer Dispute	Canceled Recurring Transaction
RM	Consumer Dispute	Quality Discrepancy
NC	Consumer Dispute	Not Classified
RN2	Consumer Dispute	Credit Not Processed
IC	Consumer Dispute	Illegible Sales Data
AA	Consumer Dispute	Cardholder Does Not Recognize
NF	Consumer Dispute	Non-Receipt of Cash from ATM

Non-US Only

Reason Code	Dispute Type	Details
4515	Fraud	Cardholder Denies the Transaction
4562	Fraud	Counterfeit Card
4547	Fraud	Hot Card List
4803	Fraud	Risk Merchant
4514	Fraud	Fraudulent Multiple Transactions
4522	Authorization	Declined Authorization
4508	Authorization	Exceeds Limited or Authorized Amount
4532	Processing Error	Credit Not Processed
4536	Processing Error	Late Presentment
4512	Processing Error	Duplicate Processing
4806	Processing Error	Paid by Other Means
4502	Consumer Dispute	Transaction was Settled but Cash/Goods/Services were not Received
4507	Consumer Dispute	Cardholder Dispute — Transaction Amount Differs
4544	Consumer Dispute	Cancelled Transaction

​Visa

​Mastercard

​American Express

​Discover

​Diner’s Club

​JCB

​China UnionPay

​US Only

​Non-US Only

Visa

Mastercard

American Express

Discover

Diner’s Club

JCB

China UnionPay

US Only

Non-US Only