Chargeback-Reason-Codes

Durchsuchbare Referenz der Rückbuchungscodes nach Kartennetzwerk, Kategorie und Frist.

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Visa

Code	Grund	Kategorie	Frist
10.1	EMV Liability Shift Counterfeit Fraud A counterfeit chip card was used at a terminal that was not EMV-enabled, so liability shifts to the merchant.	Fraud	120 days
10.2	EMV Liability Shift Non-Counterfeit Fraud A lost or stolen chip card was used at a terminal that could not read the chip or verify the PIN.	Fraud	120 days
10.3	Other Fraud – Card-Present Environment The cardholder says they did not authorize a card-present transaction and no valid imprint or chip read exists.	Fraud	120 days
10.4	Other Fraud – Card-Absent Environment The cardholder did not authorize an online, phone or mail-order transaction. The most common fraud dispute in e-commerce.	Fraud	120 days
10.5	Visa Fraud Monitoring Program Visa flagged the transaction under its fraud monitoring program and the issuer filed a dispute.	Fraud	120 days
11.1	Card Recovery Bulletin The card was listed on the Card Recovery Bulletin and the merchant did not obtain authorization.	Authorization	75 days
11.2	Declined Authorization The transaction was processed even though authorization was declined.	Authorization	75 days
11.3	No Authorization Authorization was required but not obtained, or was obtained after the transaction.	Authorization	75 days
12.1	Late Presentment The transaction was submitted for settlement after the allowed time frame.	Processing Errors	120 days
12.2	Incorrect Transaction Code A credit was processed as a debit, a debit as a credit, or a refund was processed incorrectly.	Processing Errors	120 days
12.3	Incorrect Currency The currency submitted differs from the currency the cardholder agreed to.	Processing Errors	120 days
12.4	Incorrect Account Number The transaction was processed on an account number that does not match the card.	Processing Errors	120 days
12.5	Incorrect Amount The amount charged differs from the amount on the receipt or agreed amount.	Processing Errors	120 days
12.6.1	Duplicate Processing The same transaction was processed more than once.	Processing Errors	120 days
12.6.2	Paid by Other Means The cardholder paid for the purchase using another payment method.	Processing Errors	120 days
12.7	Invalid Data Authorization was obtained using invalid or incorrect data such as MCC or country.	Processing Errors	120 days
13.1	Merchandise / Services Not Received The cardholder did not receive goods or services that were paid for.	Consumer Disputes	120 days
13.2	Cancelled Recurring Transaction A recurring charge was processed after the cardholder cancelled.	Consumer Disputes	120 days
13.3	Not as Described or Defective Merchandise Goods or services did not match the description or were damaged or defective.	Consumer Disputes	120 days
13.4	Counterfeit Merchandise The cardholder received counterfeit goods.	Consumer Disputes	120 days
13.5	Misrepresentation The terms of sale were misrepresented by the merchant.	Consumer Disputes	120 days
13.6	Credit Not Processed The cardholder returned goods or cancelled a service but no refund was issued.	Consumer Disputes	120 days
13.7	Cancelled Merchandise / Services The cardholder cancelled according to the merchant policy and did not receive a credit.	Consumer Disputes	120 days
13.8	Original Credit Transaction Not Accepted The cardholder refused an original credit transaction or it was not allowed.	Consumer Disputes	120 days
13.9	Non-Receipt of Cash or Load Transaction Value Only part or none of the cash or prepaid load value was received.	Consumer Disputes	120 days

Mastercard

Code	Grund	Kategorie	Frist
4807	Warning Bulletin File The card number was listed in the Warning Bulletin and no authorization was obtained.	Authorization	45 days
4808	Authorization-Related Chargeback Authorization was required but not obtained, was declined, or expired.	Authorization	90 days
4812	Account Number Not on File The account number used does not exist at the issuer.	Processing Errors	45 days
4831	Transaction Amount Differs The cardholder was billed an amount different from the one agreed.	Processing Errors	120 days
4834	Point-of-Interaction Error Duplicate processing, paid by other means, incorrect currency or late presentment.	Processing Errors	120 days
4837	No Cardholder Authorization The cardholder states they did not authorize or participate in the transaction.	Fraud	120 days
4840	Fraudulent Processing of Transactions Multiple transactions were processed fraudulently using one card-present interaction.	Fraud	120 days
4841	Cancelled Recurring or Digital Goods A recurring transaction or digital goods charge continued after cancellation.	Consumer Disputes	120 days
4842	Late Presentment The transaction was presented after the permitted time limit.	Processing Errors	120 days
4846	Correct Transaction Currency Code Not Provided The merchant did not provide the correct currency code.	Processing Errors	120 days
4849	Questionable Merchant Activity The merchant was identified in a Mastercard fraud or questionable activity program.	Fraud	120 days
4853	Cardholder Dispute Goods or services not provided, not as described, defective, counterfeit or misrepresented.	Consumer Disputes	120 days
4855	Goods or Services Not Provided The cardholder paid but never received the goods or services.	Consumer Disputes	120 days
4859	Addendum, No-Show or ATM Dispute Disputes on addendum charges, hotel no-shows or ATM cash not dispensed.	Consumer Disputes	120 days
4860	Credit Not Processed A refund promised to the cardholder was not processed.	Consumer Disputes	120 days
4863	Cardholder Does Not Recognize The cardholder does not recognize the transaction on the statement.	Fraud	120 days
4870	Chip Liability Shift A counterfeit EMV card was used at a non-EMV terminal.	Fraud	120 days
4871	Chip/PIN Liability Shift A lost or stolen chip-and-PIN card was used at a terminal without PIN support.	Fraud	120 days
4999	Domestic Chargeback Dispute Used for disputes governed by domestic rules in certain regions.	Other	Varies

American Express

Code	Grund	Kategorie	Frist
A01	Charge Amount Exceeds Authorization The amount charged is greater than the amount authorized.	Authorization	120 days
A02	No Valid Authorization The charge was submitted without a valid approval.	Authorization	120 days
A08	Authorization Approval Expired The charge was submitted after the authorization expired.	Authorization	120 days
C02	Credit Not Processed The cardholder did not receive a credit they were owed.	Consumer Disputes	120 days
C04	Goods / Services Returned or Refused Goods were returned or refused but no credit was issued.	Consumer Disputes	120 days
C05	Goods / Services Cancelled The cardholder cancelled the order but was still charged.	Consumer Disputes	120 days
C08	Goods / Services Not Received The cardholder did not receive the goods or services.	Consumer Disputes	120 days
C14	Paid by Other Means The cardholder paid with another method.	Consumer Disputes	120 days
C18	No Show or CARDeposit Cancelled A lodging or car rental no-show charge after the reservation was cancelled.	Consumer Disputes	120 days
C28	Cancelled Recurring Billing Recurring billing continued after cancellation.	Consumer Disputes	120 days
C31	Goods / Services Not as Described What was delivered differs from what was described.	Consumer Disputes	120 days
C32	Goods / Services Damaged or Defective The goods or services were damaged or defective.	Consumer Disputes	120 days
F10	Missing Imprint The cardholder denies the charge and the card was not physically present or imprinted.	Fraud	120 days
F14	Missing Signature The cardholder denies the charge and no signature was obtained.	Fraud	120 days
F24	No Card Member Authorization The cardholder denies participating in the charge.	Fraud	120 days
F29	Card Not Present Fraud dispute on a mail, phone or internet order.	Fraud	120 days
F30	EMV Counterfeit Counterfeit chip card used at a non-EMV terminal.	Fraud	120 days
F31	EMV Lost / Stolen / Non-Received Lost or stolen chip card used at a non-EMV terminal.	Fraud	120 days
FR2	Fraud Full Recourse Program The cardholder denies the charge and the merchant is in the Fraud Full Recourse Program.	Fraud	120 days
FR4	Immediate Chargeback Program The merchant is in the Immediate Chargeback Program.	Fraud	120 days
FR6	Partial Immediate Chargeback Program The merchant is in the Partial Immediate Chargeback Program.	Fraud	120 days
M01	Chargeback Authorization The merchant authorized American Express to process a chargeback.	Other	Varies
P01	Unassigned Card Number The card number is not a valid American Express account.	Processing Errors	120 days
P03	Credit Processed as Charge A credit was submitted as a charge.	Processing Errors	120 days
P04	Charge Processed as Credit A charge was submitted as a credit.	Processing Errors	120 days
P05	Incorrect Charge Amount The amount submitted differs from the receipt.	Processing Errors	120 days
P07	Late Submission The charge was submitted too late.	Processing Errors	120 days
P08	Duplicate Charge The charge was submitted more than once.	Processing Errors	120 days
P22	Non-Matching Card Number The card number submitted does not match the approval.	Processing Errors	120 days
P23	Currency Discrepancy The charge was submitted in a different currency than agreed.	Processing Errors	120 days

Discover

Code	Grund	Kategorie	Frist
AA	Does Not Recognize The cardholder does not recognize the transaction.	Consumer Disputes	120 days
AP	Cancelled Recurring Transaction A recurring payment continued after cancellation.	Consumer Disputes	120 days
AW	Altered Amount The transaction amount was changed without consent.	Processing Errors	120 days
CD	Credit Posted as Card Sale A credit was processed as a sale.	Processing Errors	120 days
DP	Duplicate Processing The same transaction was processed twice.	Processing Errors	120 days
IC	Illegible Sales Data The sales slip or data is unreadable.	Processing Errors	120 days
LP	Late Presentation The transaction was submitted late.	Processing Errors	120 days
NA	No Authorization No valid authorization was obtained.	Authorization	120 days
NC	Not Classified A dispute that does not fit another reason code.	Other	120 days
PM	Paid by Other Means The cardholder paid another way.	Consumer Disputes	120 days
RG	Non-Receipt of Goods or Services The cardholder did not receive what was ordered.	Consumer Disputes	120 days
RM	Quality Dispute The goods or services were of unacceptable quality.	Consumer Disputes	120 days
RN2	Credit Not Received A promised credit was not processed.	Consumer Disputes	120 days
UA01	Fraud – Card Present Fraudulent card-present transaction.	Fraud	120 days
UA02	Fraud – Card Not Present Fraudulent card-not-present transaction.	Fraud	120 days
UA05	Fraud – Chip Counterfeit Counterfeit chip card used at a non-EMV terminal.	Fraud	120 days
UA06	Fraud – Chip and PIN Lost or stolen chip-and-PIN card used without PIN verification.	Fraud	120 days

Über den Chargeback-Reason-Codes

Jeder Chargeback enthält einen Reason Code, der erklärt, warum der Karteninhaber die Zahlung beanstandet hat. Der Code zeigt Ihnen, welche Nachweise Sie einreichen sollten: Liefernachweise bei Nichterhalt, Erstattungsbelege bei nicht verarbeiteter Gutschrift oder Autorisierungs- und 3-D Secure-Daten bei Betrugsvorwürfen. Die Fristen sind typische Werte; die genauen Fristen finden Sie in Ihrem Acquirer-Vertrag.

FAQ

Welcher Chargeback-Code ist am häufigsten?

Betrugscodes für Card-not-present-Zahlungen wie Visa 10.4 und Mastercard 4837 gehören bei Online-Händlern zu den häufigsten.