Modified on: Wed, 15 Apr, 2020 at 9:11 AM. ↩ Back to Directory. Sunday, November 23, 2014 If your business accepts credit or debit cards, you already know the unfortunate truth – chargebacks happen. According to Nilson, 56% of global card transactions were done on Visa in 2015. However, for simplification, they are divided into eight categories:. A Visa chargeback reason code is a number that identifies the reason why a cardholder disputed a transaction that led to a chargeback. 3: Goods or services were not as described: C31: RM: 13. which was an increase of. Card Number: Alphanumeric: The first 6 digits, followed by. Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. com 14. 9 is slightly narrower in scope. com. 13. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. 4846. The shorthand description is “Insufficient Reply. F01. 13. Chargeback reason code 13. 1:You’ll want to carefully review all chargeback reason codes so you are familiar with the very detailed regulations. A chargeback can be initiated up to 120 days—but not more than 540 days—of one of the following events: The date the transaction was processed. 4, 13. This reason code is given when the customer claims that they were entitled to a credit/refund, but never received it. For example, you might get a chargeback on a Mastercard purchase where the reason code is "4853: Goods or services not provided. Support; Login. the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date) The dispute timeline can be based on one of two start dates. underlying your chargeback. 3. The date the services were cancelled. 3, 13. 11. 2 falls under the “Consumer Disputes” category. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. American Express chargeback reason code C42. 3: Goods or services were not as described: C31: RM: 13. Non-Receipt of Dough or Auslastung Transaction Value. VCR Dispute Reason Code 10. 2: Cancelled Recurring: 13. Chargeback Reason Codes. Visa Chargeback Life Cycle. Mastercard: n/a This chargeback is caused by Authorization. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Learn more about Visa reason codes. The aforementioned chargeback occurred on January 19, 20. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. Incorrect Transaction Code. There are over 80 unique return codes, and each one represents a different type of return. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Transaction is not eligible for Reason Code 75 (cardholder does not recognize. 1. The chargeback applies to the following scenarios: The. Actions: This is where you respond to a case. No Authorisation. Having a Lax Attitude Toward Industry Rules & Regulations. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. Dispute network reason codes categorization . Wait Time Limits for Cancelled Merchandise/Services (Dispute Condition 13. Here’s a look at the reason codes for the same scenario from the major credit card companies: Visa: Reason Code 30 Services not provided or merchandise not received. Always ask for authorization regardless of the transaction amount. 13. For more information on how we communicate with you through the Chargeback process, please visit. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. S. 8 – Original Credit Transaction Not Accepted. 1, 13. The dispute timeline can be based on one of two start dates. This means that Visa reason code 13. 13. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. 6 Credit Not Processed . Be careful with the chargeback reason code assigned by the card issuer and focus on contesting that code. Make sure qualified cancellation and non-renewal requests are fulfilled promptly. A business facing chargebacks may see an increase in its chargeback ratio and chargeback penalty fees. Batch chargeback process. 52%). 5: Misrepresentation. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. 1 -. 13 in 2019 and $2. A chargeback happens when a customer requests for a transaction to be reversed. 5 Misrepresentation; 13. Be careful not to process canceled or voided transactions. 9 – Non-Receipt of Cash or Load Transaction Value. . Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. 6 – Credit Not Processed. 2, and 13. A chargeback with a 4841 MasterCard reason code? That would indicate the customer cancelled their subscription but was charged anyway. The codes also appear on financial reporting associated with disputes. Merchants who believe they have received an invalid chargeback under reason code 12. 2: Cancelled Recurring Transaction: 13. This category includes transactions disputed due to fraud:. With that said, you still need to understand the reason codes with any chargebacks from Amex. Updated Disputes/Chargeback Policy Coming April 2024Please note that the most common Chargeback reason code for Allocation disputes is 10. Bank of America issues both. 1) Retrieval Request Reasons and Reason Codes. Excessive Fraud: The merchant’s sales volume thresholds for the ratio of fraud to sales were exceeded. For example, 10. 4846. Code. Administrative returns (R02, R03, R04): 3%. 9), the acquirer has 24 days to respond to the. The claim often, but not always, involves automated teller machines (ATMs). 4: Counterfeit Merchandise: 13. The good news is that most of these invalid claims are disputable by the merchant. 3: Added maximum length information for the following: Claimant Email Address Claimant Name Credit Card Chargeback Reason Code Dispute Amount Seller Protection Payout Amount: October. 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. The shorthand description is “Misrepresentation. compliance process depending on whether a chargeback right exists. Visa /. 3 is the less common version for card-present transactions. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,When a cardholder files a chargeback, the issuer attaches a reason code to the transaction. A01 A02 A08 C02 C04 C05 C08 C14 C18 C28 C31 C32 F10 F24 F29 F30 Charge Amount Exceeds Authorization Amount No Valid Authorization. This provided a number of insights into the typical. 7, 60, C02, RN2: Merchandise/Services Not Received : 13. A08 Authorization Approval Expired. UA02 Fraud – Card Not Present Transaction. About American Express chargeback reason codes. CHARGEBACK REASON CODES“Reason Code”. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for. 13. Whatever the case, the merchant has either made a mistake or forgotten to include. What is Visa chargeback reason code 10. Visa also overhauled its system of chargeback reason codes. 3? Visa chargeback reason code 11. 7: Defective goods and services: C32: RM: 13. The tickets were held at the box office, and no signature, swipe or imprint. 9 – Non-Receipt of Cash or Load Transaction Value. Expedited Dispute Resolution forms will not be. Description of Change Where to Look An acquirer can create a second presentment when the acquirer either (a) believes the issuer’s chargeback did not fulfill the requirements of the chargeback reason code or (b) can provide information that addresses the original reason for the dispute. Step #2 | Report the Scam to PayPal. The date the merchandise was returned. 9 is slightly narrower in scope. Each card network maintains reason codes to cover all the disputes that qualify for. Chargebacks. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. If the customer has claimed a chargeback on the grounds that the item they ordered did not arrive (chargeback reason code is 13. The following is an overview of what those. 3. Chargebacks with the following reason codes are requested due to fraudulent activity. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. 3. 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. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. 2 – Cancelled Recurring 13. Second Presentment Condition The acquirer can provide evidence to support one of the following: • The goods or services were provided. UA01 Fraud – Card Present Transaction. When one cardholder initiates a dispute with their issuing bank, a. Originally filed under legacy reason code 85 (condition 3), this code applies when a credit transaction was not accepted, usually for one of two reasons: The cardholder did not accept the credit. Chargeback Guide • 13 December 2018 2. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)In this post, you will find the most common chargeback reason codes for card-absent (card-not-present) Visa transactions. indicate which category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. EMV Liability Shift Counterfeit Fraud. Thanks for following the Chargeback Gurus blog. 2. New Visa CE 3. Technical. Code. . Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. It doesn’t help matters that travel is a high risk industry for credit card payments and with 100+ reason codes across all issuers, making sense of them all is a challenge. Take action on cardholder requests to terminate recurring transactions in good time. A reason code is an alphanumeric code that explains the reason behind the dispute. Chargeback reason code 13. 3? Visa chargeback reason code 13. 196For a list of all values for reason and chargebackReasonCode fields, refer to Dispute reason codes. Chargeback reason code 12. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. 0 rule changes take effect April 15,. The situation described by Visa chargeback reason code 13. Consumers have the right to file disputes for Visa reason code 13. 85 (3) Credit Not Processed. Based on the information provided, Paymentology will investigate the transaction being disputed. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. 13. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. Visa Chargeback Reason Codes. 3. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. For example, the cardholder may have been billed. 62. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims. 6 deals with chargebacks stemming from a credit not being processed. Reason Code 13. ” This code indicates that the cardholder claims the. 3. You can receive a chargeback with the code 13. Which chargeback reason codes are you familiar with? The interviewer may ask this question to assess your knowledge of chargeback reasons. 2 Declined Authorization. How long can the issuer wait to file a dispute? The dispute timeline can be based on one of two start dates. UA05 Fraud – Chip Counterfeit Transaction. The situation described by Visa chargeback reason code 13. What is Visa chargeback reason code 13. Chargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. If the merchant has a signature showing that the order was delivered, or evidence that the. This code applies when a transaction was processed without acquiring authorization…but the card used in the transaction was listed in the Visa Card Recovery Bulletin (CRB). Updated August 23, 2023. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. Description of Change Where to Look Appendix F—Transaction Identification60. Discover - RM Cardholder Disputes Quality of Goods or Services. This code was phased out under the Visa Claims Resolution initiative. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRR What is Visa Reason Code 13. , as a result of a legitimate purchase of the Driving Manual from our online store drivingmanual. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. Description of Change Where to Look Appendix F—Transaction IdentificationLast updated: October 15, 2019 . 1 EMV Liability Shift. Chargeback time limits vary depending on the reason for the dispute. Chargeback Reason Codes /. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRRfor chargeback reason code 4863 (Cardholder Does Not Recognize). Process reversals and credits promptly. You should be. Click on “report a problem” and select the transaction in question. At their core, false declines. But there are certain circumstances in which a merchant can pursue representment on a chargeback with this reason code. Reason Code 03. Now, compliance cases go through Visa Resolve Online (VROL). 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. Visa Claims Resolution (VCR) is Visa’s new dispute (chargeback) program that aims to address. The list of chargeback reason codes in this article is organized by card brand and type of dispute. Visa has grouped its chargeback reason codes into four dispute categories: Category 10: Fraud. Web reports and delimited file reports now reflect theHow long can the issuer wait to file a dispute? The dispute timeline can be based on one of two start dates. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. There are dozens of reasons why cardholders and issuers dispute transactions. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. NACHA Return Codes. Using our e-commerce fraud prevention tools, we help lower friendly fraud costs and chargeback rates, but also reduce gift card and coupon abuse, and promote secure login authentication. Chargeback reason codes can be confusing and complicated. Contact us here or call us at 1. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. Reason code 13. High Level Visa Chargeback Dispute Flow. It applies when a cardholder participated in an ATM cash withdrawal, but. 13. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. Chargeback reason code 13, "Incorrect Transaction Amount or Account Number," occurs when the transaction amount or account number presented by the merchant does not match the actual amount or account number authorized by the cardholder. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. Try Shopify free for 3 days, no credit card required. Reason Code Reason Description; 13. A TC40 data claim occurs when a customer makes a fraud claim against a merchant. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. 5%. 4 applies to eCommerce, whereas code 10. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. Both EFM and ECM measure compliance at the MID level. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. 1 falls under the “Consumer Disputes” category. Partners. Chargeback Representment. Documentation must be a direct result of cardholder communication. Kount’s chargeback experts expect. 13. 3 Changed Discover Reason Codes to match what is shown in the UI. Rupay Cardholder Dispute Chargeback Reason Codes. The date on the credit receipt. 1 - Merchandise/Services Not Received), you can refute this with evidence that the package was delivered. Each code corresponds to a specific issue or problem the customer has experienced with the purchase. Visa Chargeback reason code 13. 4 Other Fraud Card Absent. 9 – Non-Receipt of Cash or Load Transaction Value. What is Visa chargeback reason code 12. 8 Original Credit Transaction Not Accepted. Both apply only to ATM transactions, but reason code 13. Reason Code 81: Fraud. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. Each chargeback is assigned a reason code that explains the justification for the chargeback. 11. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. A cover letter The list of chargeback reason codes in this article is organized by card brand and type of dispute. AUSTRALIAN MERCHANT CHARGEBACK REASON CODES 4507 Incorrect Transaction Amount Or Primary Account 04 Number (PAN) Presented. 4 is an updated version of legacy reason code 77, which was phased out under the Visa Claims Resolution initiative. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. Please be advised that starting April 13, 2018, Visa has implemented several changes to the chargeback rules and regulations (VCR). 3. Examples include false advertisement and a merchant falsifying the quality of the purchased good/service. Inform the cardholder when you issue the credit. When a chargeback is for the full amount of the original transaction, any ATM access fee may be included in the chargeback amount. 13. This code applies when a. Because dispute #91827364 was submitted with reason code 13. Modern manufacturing technology has made it easier than ever to make convincing, high-quality. There are tricks you might use to circumvent an undesirable authorization message, such as not requesting authorization at all, or making multiple attempts on a declined card. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. The shorthand description is “Merchandise/Service Not Received. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. #9. Processing recurring payments increases your susceptibility to chargebacks. 2. com The new reason codes follow a format of two digits, a period, then a third digit. the date on the credit transaction receipt. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. MasterCard chargeback reason code 4540. 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. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. Discover: Reason Code 4755 Non-receipts of goods or services. View the entire list or search for any chargeback reason code. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. Visa has recently announced changes to its chargeback rules. September 28, 2023 | 12 min read Chargeback Fees. 3 – Not as Described or Defective Merchandise/ Services 13 . 2 – Cancelled Recurring 13 . 2: Cancelled Recurring Transaction: Merchant must refund the cardholder for the cancelled recurring transaction. REASON ODE ENCYCLOPEDIA sift. 2 – Cancelled Recurring Transaction:. Dispute Category. 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. 7 — Cancelled Merchandise/Services. High Level Visa Chargeback Dispute Flow. Process a canceled guaranteed reservation properly. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. These dispute must be processed no later than 120 calendar days from either:The chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. Reason codes are longer, up to 6 characters, and include decimal points. 7 – Cancelled Merchandise / Services. Retrievals (Debit Mastercard and Europe Dual Acquirer). In this post, you will find the most common chargeback reason codes for card-absent (card-not-present) Visa transactions. Chapter 2 1. There are several scenarios where this might happen. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. 6. Multiple Authorization Requests. Standard Threshold: Reaching a chargeback ratio of 0. 3: Not as Described. Excessive Fraud: The merchant’s sales volume thresholds for the ratio of fraud to sales were exceeded. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. 11. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. Other Fraud – Card Present Environment. Declined Authorization Authorization Visa Code: 11. 6 – Credit Not Processed. ©Either the dispute must be processed within 120 calendar days of: the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date), or. 3. FR4 Immediate Chargeback Program. 5?. Time Frames by Chargeback Type and Reason Code The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type. underlying your chargeback. 2. 3. To represent a chargeback, you need to resubmit the transaction and include a rebuttal of the cardholder’s claims and documented evidence that proves your case. 3 falls under the “Authorization” category. 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. 4: Counterfeit Merchandise: 13. 65% with at least 75 total disputes. 7: Defective goods and services: C32: RM: 13. If you do perform a key-entered transaction, make a manual imprint of the card. ” This reason code indicates that the merchant processed a transaction without first obtaining a correct and valid authorization approval. It's essential to respond within the. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. In theory, the reason code explains why the bank reversed the transaction. 2 Compliance Cases'luhfw fruuhvsrqghqfh wr wkh dssursuldwh hpdlo edvhg xsrq wkh uhdvrq frgh ri wkh lvvxh olvwhg ehorz <rx pd frpelqh lvvxhv iru gliihuhqw uhdvrq frghv lq wkh vdph fruuhvsrqghqfh rqo li wkh hpdlo ghvwlqdwlrq lv wkh vdph <rx pd. 9 – Non-Receipt of Cash or Load Transaction Value. 5 –Reason Codes Category 4: Processing Errors. 6 — Credit Not Processed. Reason Code 13. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. The date of the reservation or event. 3. Contact ChargebackHelp and we can have you sleeping better at night by improving your dispute protection in very short order. Spot these types of chargebacks using the below reason codes. Under Additional Settings > Risk select the edit icon . A reason code is how banks categorize the reason for a chargeback. Discover. 14. Description of Change Where to Look Appendix F—Transaction IdentificationReason Code – 10. 4812 Account Number Not On File. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. ACH return codes and explanations for R01 – R33 returns. Chapter 2: Average chargeback rates; Chapter 3: Chargeback Reason Codes Guide; Chapter 4: American Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Reason Codes; Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9:. the date the customer was told the merchandise was counterfeit (but not to exceed 540 days of the original transaction processing date)About American Express chargeback reason codes. Visa Chargeback Reason Code 13. The issuer may then review the reason code, and find that there was information which the merchant left out or falsified. Clearly and concisely communicate your cancellation policy and make it. Visa chargeback reason codes are used to categorize the reasons for a chargeback. 1? Chargeback reason code 11. 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. ”. Cancelled Recurring. 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. 10. 3, which indicates a disputed transaction that the cardholder. " If you can look up the order and confirm via the shipping tracking number that it was indeed delivered to the customer (and signed for), you have a slam-dunk case to fight that chargeback. 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. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. The shorthand. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date) However, if the customer returned merchandise or. During this process, the representative of the institution examines the reasons’ list. 1 13. With that said, you still need to understand the reason codes with any chargebacks from Amex. Discover chargeback reason code 7030. the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date) However, if the customer returned merchandise or. 4:. However, it is important to note that this reason code is based on the reason given by the customer to their bank. Reason Code 07. 5 – Incorrect Amount 12 . American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network.