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. Cardholders can dispute digital goods transactions of $25 or less (or the equivalent in local currency) if certain purchase controls were not put. Eligible Chargeback Reason Codes . Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. Reason Code 30: Services Not Provided or Merchandise Not Received Reason Code 41: Cancelled Recurring Transaction. • Rule changes for chargeback reason codes involving unjust enrichment associated with credits issued before or after a chargeback and/or after a second presentment. 4 – Counterfeit. Get your completes guide to Mastercard reason rules, containing all the detailed contact, chargeback time limitations, and select important information you needing. MASTERCARD 4854 CardholderDispute-Not List of Chargeback Reason Codes. Click on “report a problem” and select the transaction in question. All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. We’ll Handle the Chargebacks. Auto Write Off. Check with the issuing banks to determine what time limits may apply to you. To provide a successful chargeback representment case, Visa and other credit card companies allow (indeed, they urge) merchants to provide compelling evidence to support their case. EN. Proof you have already refunded the transaction and credited the cardholder’s account. 7: Defective goods and services: C32: RM: 13. Report. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. 675 Proper Use for New Presentments 676 Intra European Message Reason Code 4855 from BIO 101 at Collège April-Fortier. The following table lists the Visa chargeback reason codes and their descriptions. Level 3/Phase 3: Second presentment, second chargeback, or pre-arbitration. Updated Disputes/Chargeback Policy Coming April 2024Here are some steps you can take to handle chargeback requests: 1. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. Author: Isaac Lambert. Please see the below “cheat sheet” for the new 4 byte reason codes. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Category. It can range from 60 to 120 days from the billing date. 2. • Require cardholder letter or email as supporting documentation in first chargebacks for chargeback reason code 4863 (Cardholder Does Not Recognize). Try Shopify free for 3 days, no credit card required. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. American Express . Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. If you're contesting a chargeback, you'll need solid evidence. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other. Mastercard Chargeback Reason Code 71: Disputed Amount. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Discover Chargeback Reason Codes Explained. Field name: reasonCode. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. Each chargeback comes with a code that designates the reason it was filed. S. Knowing these codes can help you dispute chargebacks more effectively. UA05 Fraud – Chip Counterfeit Transaction. 7 downloads 2 Views 352KB Size. But, merchants should be aware that, eventually, everyone will be required to use the new designations. These mandates often involve changes to the transaction process, the addition or removal of certain chargeback reason codes, or changes to the various phases and deadlines involved in the chargeback process. Although Mastercard's chargeback time limits are fairly strict, there are some exceptions or conditions that can alter that timeframe. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. One of the following: • 4808 Authorization-related Chargeback • 48XX. Protect cardholder data. TRINIDAD, Respondentsmessage. It depends on the chargeback reason code associated with the dispute. 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. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. 4854: Not Elsewhere Classified (U. com. . Mastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Chargeback Management System рrоvidеѕ merchants with descriptions оf thе chargeback аnd suggested tips, tools аnd documentation tо fight thе charge. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Step 2: Customer initiates the chargeback – After the customer reviews their credit card statement at the end of. Reason Code Description External Category; 108: The remitter account is debited but the beneficiary account was not credited: Chargeback Raise: 109: The remitter bank customer still disputes that the beneficiary account is not credited: Pre-arbitration Raise: 121: TCC has been raised but the customer still complaining that Beneficiary a/c is. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. Cardholder Disputes. REQUEST A DEMO. In the case of friendly fraud, that reason could be completely invalid and. If your issuing bank agrees with your claim, they will contact the merchant’s bank to notify them of the disputed charge. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. Additionally, one clearing transaction. In general, this means the cardholder was not happy with a purchase and blames the merchant. 3: Goods or services were not received: C08: RG: 4855: 13. Below is a simple set of instructions, based on different situations: If the transaction was verified using SCA ( 3D Secure ): provide this proof. 16, 2021. . Written by Chargeback Gurus. Values are: Blank: Use the draft G/L date. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. Information on proper voice authorization procedures may be needed for ‘referral’ responses. Availability Date: October 24th, 2021. Specify the invoice date and net due date that you want the system to assign to chargebacks. Visa Chargeback Reason Codes. This code collects all the. chargeback. 4. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. The following chargeback reason codes are related to EMV: Visa: 10. Chargeback Reason Code. Summary of Changes, 10 May 2016. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. 1 Quick Reference Lead. Chargeback reason code. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. That suggests that in the times when merchants. Issuer Review; Allocation. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. Written by Chargeback Gurus. MasterCard’s Corporate Purchasing Department Account Program does not have rights for the following message reason codes: 4835 — Card Not Valid or Expired. 3 falls under the “Consumer Disputes” category. The most popular type of disputes of the chargeback category. The first thing you should do when you receive a chargeback notification is to check the reason code that the card issuer assigns to the dispute. . There is a USD 25 limit for the First Chargeback (Reason Code 22). FR2 Fraud Full Recourse Program. 7. Include any terms relevant to the transaction, including return, cancellation and. The new reason codes follow a format of two digits, a period, then a third digit. 542 Interregional Message Reason Code 4880-Late Presentment. This can provide important information to fight the dispute. Discover. 4807 – Warning Bulletin File. Once you know why a chargeback happened, you can start building a case to address the claims that were made. , American Express, Discover, MasterCard, and Visa), there are 151 chargeback reason codes. . . This can be transaction receipts, proof of. Chargebacks911 A #chargeback filed under Mastercard reason code 4854 refers to a situation where a customer is unhappy with a purchase or transaction,. The transaction amount and authorization number (ARN. txt) or read book online for free. 4. Credit card chargebacks occur when a customer has a chargeback dispute and decides to question a charge on their credit card statement with their Credit Card Company or issuing bank. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. What is Mastercard chargeback reason code 4855? Mastercard chargeback reason code 4855 falls under the “Cardholder Disputes” category. Reason Codes A chargeback reason code is a distinctive two-to-four-character combination of letters and numbers issued by the involved bank to identify why a dispute was initiated. ”. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. S. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. 13. 1 EMV Liability Shift 10. 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. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. Chargebacks Explained;. 4854. In most cases, you will have 20-45 days in which to respond to a chargeback. Each bank card network has its owner list of reason codes banks must prefer from. This liability shift essentially provides merchants. 3. 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—QuestionableWith an eCommerce transaction, 3-D Secure technology works like an online PIN code. These are only a handful of common Visa chargeback reason codes. 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. These codes fit into four categories:. View the entire list or search for any chargeback reason code. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. Every chargeback comes with a reason code. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. 543 Message Reason Codes for Intra-European and Inter. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. Both EFM and ECM measure compliance at the MID level. 4855 – Goods or Services Not Provided. Invalid Installment Acceleration. Visa chargeback reason codes. 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. MasterCard uses the four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors (which MasterCard refers to as Point-of-Interaction Errors). When that happens, the issuing bank will gather evidence from the customer and assign a reason code to the chargeback based on the card issuer. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. Card Number: Alphanumeric: The first 6 digits, followed by. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible MASTERCARD 4802 Requested/Required Item. Fraud-related Chargeback Counter Exceeds Threshold. EMV has been a mostly global standard since 2004. Assemble Your Evidence. 4846 — Incorrect Currency Code. Reason Code Number. 7. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. FAQ: What remains Chargeback Representment? TIPS. 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. Unlike other. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. View full document 10. 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. The list of chargeback reason codes in this article is organized by card brand and type of dispute. Visa Chargeback Reason Codes. Dispute Category. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. Mastercard Reason codes fall under four categories. Example: 25. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. 4855. Text of Chargeback Guide. Each card issuer follows their own standards for defining reason type, code and its format. 4854: Cardholder Dispute – Not Elsewhere Classified: Processing Error: NO: YES: MASTERCARD: 4855: Non-Receipt of Merchandise: Non-Receipt of Goods or. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. 4853 – Cardholder Dispute – Credit Not Processed. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. View 225 Download 6. About American Express chargeback reason codes. Step 1: The cardholder disputes a charge. 13. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. Chargeback Reason Code. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. 2. Encrypt transmission of cardholder data. 31. Reason Code: Numeric: Code for the chargeback request (see below). What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. 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. Understand the reason for the chargeback. For example, the merchant bills the cardholder in installments. In some circumstances, Mastercard allow consumers to reverse a credit card transaction by filing a chargeback. FAQ: What is Chargeback. Braintree Support Articles. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. This ranges anywhere from roughly 60 to 90 days after purchase. Many subscription payment disputes are made under code 13. Response Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). Which fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. 1: Use the corresponding dates from the invoice. 598 Proper Use for Acquirer’s Second Presentment. . Learn the details, the cause, how to respond and how to prevent Mastercard Reason Code 4854 Cardholder Dispute Not Classified Elsewhere (US) . A chargeback is a reversal of funds following a debit or credit card purchase, set in motion when the customer files a dispute over the charge with their bank or credit card provider. 00 EUR as a Withdrawal fee. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. 6. . UA01 Fraud – Card Present Transaction. 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. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. When filing a chargeback, the issuing bank chooses a reason code from the list for the applicable card network. [noun]/* kə • stə • mər • di • spyo͞ot/. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. Updated: 10 May 2016. This definitive guide comes that chargeback reason codes from jeder of of four majority card networks. 4853 – Cardholder Dispute – Goods or Services Not Provided. 4853 Cardholder Dispute. “It’s a lot tougher with Mastercard because they only use four main codes. The actual underlying cause of this chargeback is. The way you manage chargebacks depends on your account setup. Chargebacks911 offers the most comprehensive chargeback management system available,. Specifically, these updates only pertain to transactions that are charged back after Oct. Region Only) Cardholder has made an unsuccessful good-faith effort to resolve a dispute with the card acceptor that involves goods or services, and the dispute reflects a claim or defense authorized. 4534. Visa Chargeback Codes: 30: Services not provided or Merchandise not received : 41: Cancelled recurring transaction : 53: Not as Described or Defective merchandise : 57:. This may be done by either the merchant or the issuing bank. But that doesn’t make them any less frustrating. Using the same link provided above, contact PayPal to report the scam. 10. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. For example, 10. During this process, the representative of the institution examines the reasons’ list. The reason code. Mastercard uses code 4854 for disputes around installment billing. e. Steps to Prevention. Obtain your complete guide to Mastercard motive codes, including all the detailed information, chargeback set limits, and other important information you need. Administrative returns (R02, R03, R04): 3%. Request for Information. This chargeback will include a description that provides additional information: Digital Goods $25 or Less. Chargeback Reason Codes. Chargebacks Explained;Chargeback Reason Codes. Solution Case Studies Partners Company Blog Resources Data & Compliance FAQ See It In Action. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardHere are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. 3 Fraud – Card-Present Environment. Products. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. . If the order was genuinely not as described, then the cardholder has a case. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. Documentation must be a direct result of cardholder communication. the Airline cancelled the original ticket; That credit for duplicate charges was completed or multiple<br />. Chargeback Reason Codes Card Type Reason Reason Text Chargeback Category Preventable Reversible Code DISCOVER 4502 IC-Illegible Sales Data Request forEventually the existing chargeback reason codes won't be used and will be removed from this guide. About American Express chargeback reason codes. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Collège April-Fortier. 1. Chargeback /Dispute; Merchant Response. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Duplicate Processing - 81If your chargeback ratio is high [i. Replace 48XX with the valid chargeback message reason code. 2. . France saw a drop of roughly 50% during the same period. What is Visa chargeback reason code 13. The issuer is still limited to processing the chargeback within 120 calendar days of the transaction’s Central Site Business Date. Chargeback reason codes are one piece of evidence you can use to make your case. It is important to note that these are the general time limits. 6, "Chargeback Reasons" Added requirements for each Chargeback Reason code. These may impact the dispute time limits. 4854: Cardholder disputes - Not classified in other category (US cardholders only) 4855:The Mastercard chargeback reason codes were condensed down in 2016, like the processed that Visa just underwent with Visa Claims Resolving. For best results, your chargeback win rate should be as close to 100% as possible. Solution. For details on how to receive notifications of chargebacks, accept or dispute them, and submit evidence to. One of. 4854 – Cardholder Dispute for the US; 4853 – Cardholder Dispute; Visa. . S. The third digit indicates the specific reason within that category. S. ” This reason code has been retired by Mastercard, but it was used when the cardholder did not receive the goods or services they purchased. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. As a merchant, your focus should be on finding and retaining customers--not chargebacks. Learn about the different chargeback reason codes and what they mean. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. Take the time to note the following dispute reason codes for Visa. Either the acquiring or issuing bank could initiate the. . Chargeback reason codes have changed. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. Unfortunately, the final decision in such cases comes down to the issuing bank, and not. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. Additional Remedies Acquirers can use the following second presentment message reason codes to submit a Second Presentment/1240 for message reason code 4854. Processing recurring payments increases your susceptibility to chargebacks. Code: Category: Description: 10. The codes for each card brand are listed below along with the recommended documentation to provide. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. 4854: Cardholder Dispute—Not Elsewhere Classified (U. 3. 600 Valid Installment. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Across open networks and include account numbers sent over email, instant messaging, text, or chat. Last updated: October 15, 2019 . 1: Fraud (10) EMV Liability Shift Counterfeit Fraud: 10. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. 4854: Cardholder Dispute-Not Elsewhere Classified: 4855: Goods or Services Not Provided: 4859: Addendum, No-show, or ATM Dispute: A chargeback is the potential outcome of a disputed credit or debit card transaction. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. Any type of recurring billing scenario can lead to. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. From there, a merchant can accept the chargeback or take action through the representment process to attempt to have the chargeback reversed. Chargeback Base Codes by Network - 2023 Guide. Batch chargeback process. 4860 Credit Not Processed. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. This means providing evidence that will undermine the cardholder’s claim. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. 379 U. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. Overview. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. Visa, MasterCard, and American Express all list compelling evidence by reason code. 4841 Canceled Recurring or Digital Goods Transactions. These codes are notoriously inaccurate; in fact, first-party fraud is predicated on reason codes being inaccurate. Chargeback reason codes Jérôme Alimondo Cohen /token 30 March 2023 13:46; National Visa, national and international MasterCard; International Visa; Each chargeback comes with a numerical code that identifies the reason for the chargeback. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. Visa has recently announced changes to its chargeback rules. Type. Description: Reason code for applying handling fee. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback. The customer regrets their purchase. The terminal action codes are in Table 122 of the 4. BIO 101. Following is the list of Chargeback Reason Codes used by MasterCard: MasterCard Chargeback Reason Codes Reason Code: Category: Description:. Reason Code. Valid Values/Format: 22 - First Chargeback Handling Fee. Chargebacks are almost always initiated by customers, but businesses can request them as well (although this doesn’t happen often). 598 Correct Installment Amount. MASTERCARD CHARGEBACK REASON CODE 4854 De**ion Media Required Cardholder Dispute-Not Elsewhere Classified (U. 28 April 2016 Updated: 10 May 2016. Chargeback. compliance process depending on whether a chargeback right exists. Cyber-criminals have benefited from on-line banking (OB), regardless of the extensive research on financial cyber-security. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. Account Number Not On File. The merchandise was as described or was not defective. 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. It could apply for merchandise or services being different than described, or disputes involving counterfeit goods (just to name a few examples). Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. If the customer’s story matches.