> ## Documentation Index > Fetch the complete documentation index at: https://docs.envisso.com/llms.txt > Use this file to discover all available pages before exploring further. # Dispute Reason Codes > Reason codes used for disputes across major card networks. Reason codes provided by payment networks for disputes. Use these to populate the `reason_code` column in the [disputes file](/sending-files/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 |