Merchants can find a. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. What is Visa chargeback reason code 12. This code is unique—at least currently—in that Visa has since split it into two separate categories: 12. Cardholder Disputes. These chargebacks occur to resolve chargeback-related disputes between network members. Responding to Mastercard Reason Code 4853 Chargebacks. F02. Encrypt transmission of cardholder data. This cannot change once the value is set. Cause. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. 3. Once you submit the documentation to Wave, our Disputes Resolution Team will work on the case, and submit the required information to the bank on your behalf. The chargeback process can last from one month to six months. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. Dispute Category. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400:. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. Paymentology will submit the chargeback using the appropriate chargeback reason code. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. 5158. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. ”. ; Resources. 96%: 0. France saw a drop of roughly 50% during the same period. For best results, your chargeback win rate should be as close to 100% as possible. Cancel a timeshare within 12 days of the receipt or contract date. 2. Return fraud happens when consumers bring an item (or items) back to you to request a refund in the form of store credit or cash. 4837. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. An ACH dispute results in a chargeback for the business that processed the payment. Expedited Dispute Resolution forms will not be allowed. By entering your email, you agree to receive marketing emails from Shopify. A chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. Reason Code Reason Code North-America Reason Description; 4540: F29: Card Not Present (fraud). For example, the merchant bills the cardholder in installments. Any chargeback that is received without a reason code will be assigned a default code of 53. Recurring billing transactions are a frequent source of conflict, disputes, and. Across open networks and include account numbers sent over email, instant messaging, text, or chat. Those reasons are explained through the corresponding reason codes. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. Chargeback Reason Code 30 - Services Not Provided or Merchandise Not Received The chargeback time limit is calculated based on one of the following: 120 calendar days after the transaction processing date 120 calendar days after the last date the cardholder expected to receive the goods or services (not to exceed 540 days of the transaction. F02. The first thing to understand is that not all chargebacks are the same. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). That suggests that in the times when merchants. 4 (1040) (Visa) Card-not-present fraud. 5 (1050) (Visa) Card-not-present fraud: 10. These codes are notoriously inaccurate; in fact, first-party fraud is predicated on reason codes being inaccurate. 6. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Include any terms relevant to the transaction, including return, cancellation and. It is associated with a chargeback reason code, and it is specific per Card Scheme. 1. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Analyze your chargeback data. Reason Code 37 not allowed when merchant supports UCAF: 100007: 400* INVALID_REQUEST: Reason code 37 is not allowed for AFD transactions with CAT Level 2. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 — Updated Special Notes. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. 195 Acquirer Use of Message Reason Code 7627. Everyone has had the experience of buying. 6. 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. Here’s how. ”. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. The mapping is defined by the scheme/institution. Reason codes vary by card brand. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Dispute network reason codes categorization . The terminal action codes are in Table 122 of the 4. 4835. Also, remember that the time frame for your response includes any processing required by the acquirer. Provide exemplary customer service. Use clear and consistent billing descriptors. 2 falls under the “Processing Errors” category. Summary of Changes, 13 December 2018Discover Chargeback Reason Codes Explained. Never swipe a card back and forth or at an angle, as it may cause the reader to misread the stripe. 48. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. Issuer Review; Allocation. Nevertheless, you must respond to the chargeback based on the given code. 1. Updated Disputes/Chargeback Policy Coming April 2024A dispute often has a reason code associated with it. 3. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. Consider Deadlines. Reason Codes: 23 / 37 / 61 / 83 Account numbers do not match After swiping a card, if the card number displayed does not match the number embossed on the face of the card, ask for a different form of payment. According to Nuapay, UK businesses saw payment decline rates increase by an average of 37% following the enforcement of SCA rules. Administrative returns (R02, R03, R04): 3%. The incorrect amount being charged. Invalid or Expired Card : 37 : Fraud Transaction No. 265. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. The existing 22 chargeback reason codes will be replaced by new reason codes and grouped into 4 categories: 1. UA05 Fraud – Chip Counterfeit Transaction. We’ve all been there as an eCommerce owner: you excitedly ship out a $1,500 order to a customer, and then a few weeks later you’re notified that the customer has opened a chargeback dispute. 2 Added chapter providing information about the DiscoverChargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing. 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). The codes for each card brand are listed below along with the recommended documentation to provide. UA02 Fraud – Card Not Present Transaction. Mastercard will eliminate dispute Reason Code 63 “Cardholder Does Not Recognize”. The cardholder files a chargeback via their bank. And according to The True Cost of Fraud report by LexisNexis, businesses end up paying $3. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. 2. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. Because there are many reasons for which customers may file a chargeback, Discover issues an accompanying chargeback reason code with each chargeback. You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. 100187 and ANSI X9. Reason code 4870 refers to the broad category designated “No Cardholder Authorization. If the order was genuinely not as described, then the cardholder has a case. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. It's essential to respond within the. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested. For example, 10. A reason code will be provided. 10. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Date Option. Based on the information provided, Paymentology will investigate the transaction being disputed. For example, 10. Visa chargeback reason code 11. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. (Amex) No cardmember authorization. The chargeback applies to the following scenarios: The. 3? Visa chargeback reason code 13. Specify the invoice date and net due date to assign to chargebacks. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. The reason code may not reflect the true reason for the chargeback. At this stage,. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. 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. For first chargebacks,. According to a study released by Juniper Research, ecommerce businesses were projected to lose roughly $20 billion in 2021 due to fraud, an 18% increase over the $17. The following tables show the Stripe categories for each card network’s dispute reason codes. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. These chargeback reason codes are broken down into four categories: fraud, authorization, processing errors, and service disputes. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. The Late Presentment chargeback rights and language were moved from chargeback reason code 4834 (Point of Interaction Errors) to reason code 4808 (Authorization-Related Chargebacks). Having a Lax Attitude Toward Industry Rules & Regulations. If the dispute is successful, funds are taken from your merchant account and a strike is made against your business. The list of chargeback reason codes in this article. Reason Code. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type of chargeback. This involves the cardholder’s bank serving as a mediator, rather than eBay. 4853 – Cardholder Dispute – Goods or Services Not Provided. ”. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. If a merchant does not submit the required pieces of compelling evidence, it is unlikely that the card brands will rule in the merchant’s favor. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. Your first step is to identify the chargeback reason code, which is a kind of shorthand that indicates why the transaction is being disputed. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. If the chargeback is in the customer’s favor, the bank reverses the transaction and debits the business’s acquiring bank instead of crediting itOne catch is that CE3. Reference these when rebutting cardholder disputes at your small business. 1 falls under the “Processing Errors” category. Dispute Category. 37: Filing notes: Type: Varchar; Unique: No; Blanks: Yes; Max length: 4000 characters; This is free form text about the Filing Reasons. This may be blank if there is not formal coding for reasons (for example some direct debits), in which case the Dispute Reason column should be consulted. ”. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Services industry for image exchange and the creation of IRDs. Click “add filter”. Protect cardholder data. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. 9808 info@chargebacks911. 4860 Credit Not Processed. . Create this form in 5 minutes! Use professional pre-built templates to fill in and sign documents online faster. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Card networks send these codes to merchants to indicate why a chargeback has been filed. 16, 2021. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. Region Only) 4855 Goods or Services Not Provided. The good news for those using Shopify Payments, the hundreds of reason codes and buckets them into eight. 57 - Transaction Not Permitted to Cardholder. MasterCard: Reason Code 4859 Services not rendered. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. 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. 4. The card scheme receives the chargeback and forwards it to the acquirer. The most relevant Mastercard chargeback codes for the majority of merchants can be broken down into four main categories—authorization, cardholder. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. The sales receipt and/or date and amount of the authorization if other than the transaction date. About American Express chargeback reason codes. See the SNAD filing reason codes section for valid values. 100007: 400* INVALID_REQUEST: Message reason code invalid for this chargeback - AFD EDIT. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). As reason about the case in table is marked " Unauthorized payment. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. 1 chargeback: 1. 00 EUR as a Withdrawal fee. 1002 - Cardholder disputes billed amount. The transaction amount and authorization number (ARN. Complete Guide to Visa Compelling Evidence Update CE 3. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. The merchant processed a transaction the cardholder wasn't a part of. 4853 – Cardholder Dispute – Credit Not Processed. 4846 — Incorrect Currency Code. Take the time to note the following dispute reason codes for Visa. 10. Chargeback Reason Codes All received credit card disputes include a reason code. Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. R03 Insufficient Reply. Use order validation and prevention alerts. Reason codes are important to help merchants address recurring. 37 No Cardholder Authorization 40 Fraudulent Processing of Transactions. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. ) A no-nonsense summary of evidence that proves transaction is legit. Each card network has their own set of chargeback policies and reason codes, and they frequently change them. This reason code indicates the cardholder had reason to believe they were going to receive a refund, but no credit to their account has been processed. Compile Relevant Evidence: Review the documentation you've gathered and select the pieces of evidence that directly counter the cardholder's claim. A new 4 byte reason code will be used moving forward. many chargeback reason codes that exist today. 4855. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. 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 is valid. Only use EMV-compliant terminals. “Visa has 28 different reason codes. Compare account numbers. Shopify has four status categories for chargebacks and inquiries: Open: No response has been sent yet and evidence can still be added. 4853 Cardholder Dispute. In fact, 91. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. By entering your email, you agree to receive marketing emails from Shopify. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. Chargeback The cardholder acknowledges they engaged in a transaction yet is unhappy, dissatisfied with the experience or tried to cancel in advance and is attempting to be refunded. Step 01 | Identify the Reason Code. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. 3. This means providing evidence that will undermine the cardholder’s claim. United States. But cardholders and merchants have different time limits. Learn more about Visa reason codes. For Visa disputes, the reason code also dictates which workflow the case will take. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. When a cardholder has an issue with a transaction, they can contact their bank to dispute the charge. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. F01. Dispute Best Practices Guide Overview This guide includes: An overview of authorization and transaction processing An overview of retrievals and chargebacks Reason code guidelines for all. API status is evidence_required and chargeback code is ADJM. Reason code 83 represents a chargeback categorized as Fraud – Card Not Present (CNP) Transaction. The network hasn't wholly disallowed some old codes. 08. If you did not receive the email, open Mave, Wave’s automated chatbot, and. 11, 16. In simple terms, Mastercard Chargeback Reason Code 4859 — No Show/Addendum/ATM Dispute refers to situations where a customer claims the services purchased from a merchant were not fulfilled. This situation can occur when a merchant accidentally enters. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. The shorthand description is “Invalid Data. While counterfeit card fraud remained the most popular method of criminal attack, it was closely followed by card-not-present (CNP) fraud. Duplicate Processing - 81Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. The following reason codes require compelling evidence: Fraudulent transaction (83) Fraud/card absent environment (1040) Merchandise/services not received (1310) What does transaction response code 37 - Contact Acquirer Security Department, Retain Card mean? 25/11/2016. Retrieval Request/ Copy request Reason Codes. The newer system is designed to. Braintree Support Articles. Mastercard. There are two parts to this. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and believes that the transaction was fraudulent. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. MasterCard - 4855 Goods or Services Not Provided. Reason codes are meant to tell merchants why a cardholder requested a Mastercard chargeback. 1003 - Transaction Supporting Document (TSD) needed. 100007:. They can also be caused by a merchant failing to process a cancellation promptly. 2. 51 - Insufficient Funds. Visa chargeback reason code 12. Submitted: The response has been sent and the issuer is. One of three things will happen: The issuer rules in your favor: Your representment case validates the original transaction. The reason code may not necessarily reflect the actual reason for the chargeback, but you ought to respond to it based on the provided chargeback code. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. Now, 10. . This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. These are only a handful of common Visa chargeback reason codes. 634. But don't worry – we're here to help! Here are some important terms to keep in mind: : A claim against a charge, initiated by a customer with their bank. These fees are nonrefundable, even if the merchant ultimately beats the chargeback. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet, phone, or mail orders. A chargeback is the potential outcome of a disputed credit or debit card transaction. : The act of challenging any claim over the. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. 0 rule changes take effect April 15,. This reason code is assigned to consumers wishing to file a chargeback for defective product. Receive the Chargeback. 24 = not authorized. However, the return request is invalid, as the customer does not have a legitimate right to a refund for one reason or another. chargeback reason codes. At Visa they used to receive reason code 98. Reason Code 04. 1. These are only a handful of common Visa chargeback reason codes. 3 applies when a cardholder claims a charge—made in a card-present environment—was. Attachment A: Copy of the customer's transaction on xx/xx/xxxx using a credit card ending in XXXX. The separation of the Return Reason Cardholder Disputes. 5%. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Nevertheless, you must respond to the chargeback based on the given code. 2. A chargeback happens when a customer requests for a transaction to be reversed. See more10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. The case is now closed. Summary of Changes, 20 November 2017 This document reflects changes made since the last publication. 0. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. This will be referenced in the chargeback notice you received. Required Authorization Not Obtained. Reason Code 04. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback. A Shopify chargeback occurs when a cardholder contacts the bank about. Chargeback companies can assist merchants in navigating these processes, and work with them to develop a comprehensive chargeback prevention strategy. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. From there, the merchant can look up the code to figure out what the dispute is about. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. What is Visa chargeback reason code 12. The card scheme receives the chargeback and forwards it to the acquirer. 4 Other Fraud Card Absent. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Through 2021, we. Values are: Blank: Use the receipt G/L date. 60 due to merchandise, fees, overhead, and other sources of loss. Visa chargebacks can be a major inconvenience for merchants. The newer system is designed to make it easier and. 196 Reason Codes Category 4: Processing Errors. Code 4807: Fraudulent Card-Present Transaction. 6. The Allocation workflow applies to any chargeback assigned a “Fraud” or “Authorization”. Respond to invalid disputes. Message. 1 Merchandise/ Services Not Received. Learn about the different chargeback reason codes and what they mean. Credit Card Dispute. If you believe you have received an ACH return in error, you can contact your bank. To help you identify what happened, look up the code you received for the dispute below. Here’s how your store can prevent and deal with chargebacks. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. This process is called a chargeback. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. This scenario applies when the arbitration was raised by either the. Several reason codes fall under this heading, and it is important to differentiate between chargebacks with reason code 4870 (Chip Liability Shift) from those with reason code 4871 (Chip Liability Shift Lost/Stolen/Never. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. 7 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. 2022 Visa Chargeback. 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. 1 EMV Liability Shift 10. Helpful items may include, but are not limited to: 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. mastercard chargeback reason code 37. A chargeback occurs when a customer disputes a charge from your business on their credit or debit card. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. 4 is part of the updated Visa reason codes that were phased out under the Visa Claims Resolution initiative. You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. Definition. VCR Dispute Reason Code 10. Visa Chargeback Codes — removed retired codes. Try Shopify free for 3 days, no credit card required. Thanks for following the Chargeback Gurus blog.