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
| Scheme | Code | Description |
|---|---|---|
| Visa | 13.6 | Credit not processed |
| Mastercard | 4853 | Cardholder Dispute: Credit not processed |
| Mastercard | 4860 | Credit not processed |
| Mastercard | 75 | Credit not received |
Duplicate charge
| Scheme | Code | Description |
|---|---|---|
| Visa | 12.6 | Duplicate Processing/Paid by Other Means |
| Mastercard | 4831 | Transaction amount differs |
| Mastercard | 4834 | Cardholder debited more than once for the same goods or services |
| Mastercard | 73 | Duplicate transaction |
Fraudulent
| Scheme | Code | Description |
|---|---|---|
| Visa | 10.4 | Other Fraud-Card Absent Environment |
| Visa | 10.5 | Visa Fraud Monitoring Program |
| Mastercard | 4837 | No Cardholder Authorization |
| Mastercard | 4849 | Questionable Merchant Activity / Mastercard Rule 3.7 Violation for Coercion Claim |
| Mastercard | 74 | No Cardholder Authorization |
Product not received
| Scheme | Code | Description |
|---|---|---|
| Visa | 13.1 | Merchandise/ Services Not Received |
| Mastercard | 4841 | Canceled Recurring or Digital Goods Transactions |
| Mastercard | 4853 | Cardholder Dispute: Digital Goods Purchase of USD 25 or Less / “No-Show” Hotel Charge |
| Mastercard | 4855 | Goods or Services Not Provided |
| Mastercard | 79 | Goods or Services Not Provided |
Product unacceptable
| Scheme | Code | Description |
|---|---|---|
| Visa | 13.3 | Not as Described or Defective Merchandise/ Service |
| Mastercard | 4853 | Cardholder Dispute: Goods or Services Were Either Not as Described or Defective |
Not recognized
| Scheme | Code | Description |
|---|---|---|
| Mastercard | 4863 | Cardholder Does Not Recognize—Potential Fraud |
Cancelled products
| Scheme | Code | Description |
|---|---|---|
| Visa | 13.2 | Cancelled Recurring |
| Visa | 13.7 | Cancelled Merchandise/Service |
| Mastercard | 4841 | Canceled Recurring or Digital Goods Transactions |
| Mastercard | 4853 | Cardholder Dispute of a Recurring Transaction |
Misrepresentation
| Scheme | Code | Description |
|---|---|---|
| Visa | 13.5 | Misrepresentation |
Counterfeit
| Scheme | Code | Description |
|---|---|---|
| Visa | 13.4 | Counterfeit Merchandise |