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Dispute reason codes

The tables below include the reason codes you might receive when a dispute occurs. Those reasons codes are returned by the issuers/card schemes and mapped to different dispute reason categories.

Credit not processed

SchemeCodeDescription
Visa13.6Credit not processed
Mastercard4853Cardholder Dispute: Credit not processed
Mastercard4860Credit not processed
Mastercard75Credit not received

Duplicate charge

SchemeCodeDescription
Visa12.6Duplicate Processing/Paid by Other Means
Mastercard4831Transaction amount differs
Mastercard4834Cardholder debited more than once for the same goods or services
Mastercard73Duplicate transaction

Fraudulent

SchemeCodeDescription
Visa10.4Other Fraud-Card Absent Environment
Visa10.5Visa Fraud Monitoring Program
Mastercard4837No Cardholder Authorization
Mastercard4849Questionable Merchant Activity / Mastercard Rule 3.7 Violation for Coercion Claim
Mastercard74No Cardholder Authorization

Product not received

SchemeCodeDescription
Visa13.1Merchandise/ Services Not Received
Mastercard4841Canceled Recurring or Digital Goods Transactions
Mastercard4853Cardholder Dispute: Digital Goods Purchase of USD 25 or Less / “No-Show” Hotel Charge
Mastercard4855Goods or Services Not Provided
Mastercard79Goods or Services Not Provided

Product unacceptable

SchemeCodeDescription
Visa13.3Not as Described or Defective Merchandise/ Service
Mastercard4853Cardholder Dispute: Goods or Services Were Either Not as Described or Defective

Not recognized

SchemeCodeDescription
Mastercard4863Cardholder Does Not Recognize—Potential Fraud

Cancelled products

SchemeCodeDescription
Visa13.2Cancelled Recurring
Visa13.7Cancelled Merchandise/Service
Mastercard4841Canceled Recurring or Digital Goods Transactions
Mastercard4853Cardholder Dispute of a Recurring Transaction

Misrepresentation

SchemeCodeDescription
Visa13.5Misrepresentation

Counterfeit

SchemeCodeDescription
Visa13.4Counterfeit Merchandise