चार्जबैक रीज़न कोड
कार्ड नेटवर्क, श्रेणी और समय सीमा के अनुसार विवाद रीज़न कोड का खोजने योग्य संदर्भ।
Visa
| कोड | कारण | श्रेणी | समय सीमा |
|---|---|---|---|
| 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
| कोड | कारण | श्रेणी | समय सीमा |
|---|---|---|---|
| 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
| कोड | कारण | श्रेणी | समय सीमा |
|---|---|---|---|
| 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
| कोड | कारण | श्रेणी | समय सीमा |
|---|---|---|---|
| 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 |
चार्जबैक रीज़न कोड के बारे में
हर चार्जबैक के साथ एक रीज़न कोड होता है जो बताता है कि कार्डधारक ने भुगतान पर विवाद क्यों किया। कोड जानने से पता चलता है कि कौन सा सबूत जमा करना है: डिलीवरी न मिलने पर डिलीवरी का प्रमाण, क्रेडिट प्रोसेस न होने पर रिफ़ंड रिकॉर्ड, या फ्रॉड दावों के लिए ऑथराइज़ेशन और 3-D Secure डेटा। समय सीमाएँ सामान्य मान हैं; सटीक समय सीमा के लिए अपने एक्वायरर समझौते की जांच करें।
FAQ
सबसे आम चार्जबैक कोड कौन सा है?
ऑनलाइन व्यापारियों के लिए Visa 10.4 और Mastercard 4837 जैसे कार्ड-नॉट-प्रेज़ेंट फ्रॉड कोड सबसे आम हैं।