1 -. Originally filed under legacy reason code 85 (condition 3), this code applies when a credit transaction was not accepted, usually for one of two reasons: The cardholder did not accept the credit. Non-Receipt from Cash or Load Transaction Select. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. 8 is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. With that said, you still need to understand the reason codes with any chargebacks from Amex. Reason Code 53: Not as Described or Defective Merchandise. Depending on the chargeback, the required evidence might consist of transaction receipts, particular authorization response codes, proof of delivery, correspondence with the customer, or any number of other specific documents. Under Visa Claims Resolution, the Visa dispute process is split into two different tracks, each with its own requirements. 5 – Incorrect Amount 12 . You’ll put that reason code, the transaction amount and authorization number, and state that the chargeback is. FR4 Immediate Chargeback Program. Reason. Explore more ACH Return Codes. Customer Dispute. The assigned chargeback reason code outlines why a customer submitted the dispute. 5 – Misrepresentation. There are dozens of reasons why cardholders and issuers dispute transactions. The following tables show the Stripe categories for each card network’s dispute reason codes. The cardholder claims either that the merchandise was never. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. . Steps to Prevention. The shorthand description is “No Reply. Each card. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. The following are some examples: Visa Reason Code 13. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. It can range from 60 to 120 days from the billing date. 9, September 2015 Updates to 3. This may be done by either the merchant or the issuing bank. When you receive notification of a payment dispute or chargeback you may see a code listed with it. ” This code indicates that the. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. Updated the following reason codes: Wrong Amount or Date Paid with Other Method: September 2015: 7. Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. According the chargebacks911. Visa Reason Code 13. M10 Vehicle Rental – Capital Damages. However, if the credit transaction receipt is dated, the issuer must let at least 15 calendar days pass before initiating a dispute. 2: Cancelled Recurring Transaction:. Code 10. 4860 Credit Not Processed. 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. Incorrect Transaction Amount or Account Number - 13. In addition, you lose all the sunk costs that went into that sale: the marketing, sales,. 4808: This code can refer to: Account Number Not on File. Inform the cardholder when you issue the credit. 13. 3 is the less common version for card-present transactions. Products / Services 13. Chargeback Rebuttal Letter Samples. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. The chargeback reason code is 13. ECM monitors first presentment chargebacks regardless of reason code or transaction type. Reason codes are important to help merchants address recurring. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. The merchant didn’t: Issue a refund for canceled or returned merchandise. 6 – Duplicate Processing/ Paid by Other Means 12 . 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Use standard authorization criteria with Issuer retaining chargeback rights: 7: CAVV failed verification (attempt) – Issuer approves authorization:. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. 1. It could also prevent cardholders from abusing this chargeback reason code directly after their purchase, especially in cases where services were rendered within the 30-day wait period. Some of the most common ACH Reason Codes that merchants may encounter. The transaction amount and authorization number (ARN. Description. Discover chargeback reason code 7030. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. 13. 2 chargeback if you override a declined, referral, or pickup authorization message, but process the transaction anyway. 3 – Not as Described or Defective Merchandise/ Services; 13. The first thing you should do when you receive a chargeback notification is to check the reason code that the card issuer assigns to the dispute. For Visa disputes, the reason code also dictates which workflow the case will take. Merchant processed transaction below floor limit without authorization. Using the same link provided above, contact PayPal to report the scam. Declined Authorization Authorization Visa Code: 11. 1 - Merchandise/Services Not Received), you can refute this with evidence that the package was delivered. Under the legacy Visa Chargeback system, there are 22 chargeback reason codes (And remember, this is just for Visa. 00 EUR as a Withdrawal fee. Send notifications to customers updating them on the cancellation of their subscription and any amount that they owe. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. Accepting recurring transactions is enough cause for acquiring banks and processors to label you as a “high-risk” merchant. 13. AT Authorization Noncompliance. Card Recovery Bulletin Authorization Visa Code: 11. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. 5 Misrepresentation; 13. Invalid amount or currency conversion field overflow. 5 is part of the updated Visa reason codes that were phased out under the Visa Claims Resolution initiative. 10. What is American Express chargeback reason code R13? American Express chargeback reason code R13 falls under the “Inquiry/Miscellaneous” category. A TC40 data claim occurs when a customer makes a fraud claim against a merchant. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. A recurring transaction is a payment card charge that automatically reoccurs on a. Fraud. If the merchant has a signature showing that the order was delivered, or evidence that the. 1? Visa chargeback reason code 13. Then it chooses the most applicable code for a. Of course, these codes can still change at any time. 9 was previously covered by legacy Visa reason code 90. The shorthand description is “Late Presentment. Send a notification after you’ve cancelled the recurring payment. A reason code is an alphanumeric code that explains the reason behind the dispute. Chargeback reason codes. 1 primarily suggests a delivery lapse by the merchant. All received credit card disputes include a reason code. In these situations, a merchant’s billing descriptor is simply not recognized by the. 3? Visa chargeback reason code 11. Below are some examples of more common reason codes. Expedited Dispute Resolution forms will not be. 1 to 13. Paymentology will submit the chargeback using the appropriate chargeback reason code. 3: Not as Described or Defective Merchandise/Services: 13. Dispute Category. By entering your email, you agree to receive marketing emails from Shopify. This code applies when customers. Excessive Fraud: The merchant’s sales volume thresholds for the ratio of fraud to sales were exceeded. 13. 1 13. . Either the dispute must be processed within 120 calendar days of: the transaction processing date, or. What is Visa chargeback reason code 12. #9. 4812 Account Number Not On File. Documentation must be a direct result of cardholder communication. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. However, for simplification, they are divided into eight categories:. Partners. Chargeback Rebuttal Letter Samples. Visa - 13. Reason code 13. It's essential to respond within the. Dubbed "Compelling Evidence 3. Visa Chargeback reason code 13. Justt offers an end-to-end solution to help. 8 – Original Credit Transaction Not Accepted. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. 4 Counterfeit Merchandise; 13. ) A no-nonsense summary of evidence that proves transaction is legit. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. 2: Canceled Recurring Transaction, is used when a cardholder claims a recurring transaction was processed illegitimately. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims. Now, 10. As such, it’s best to work with a professional chargeback mitigation company. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. 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. Take the time to note the following dispute reason codes for Visa. To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. 7: Defective goods and services: C32: RM: 13. 12. The scammer claims to be from the bank, and is seeking to confirm a specific transaction, which the victim denies. What are Chargeback reason codes and what do they mean? Support. EMV Liability Shift Non-Counterfeit Fraud. Each chargeback is assigned a reason code that explains the justification for the chargeback. These reason codes explain the reason for the dispute. 3 – Not as Described or Defective Merchandise / Services. Computer Fraud and Abuse Act: 10 Must-Know Facts & Tips. 5 Miscellaneous editorial changes ThroughoutMerchants can analyze the root causes of their chargebacks by examining the reason code of the chargeback and their own records regarding the purchase in question. 6 | Mastercard Reason Code 4853. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. Visa chargeback reason code 13. Originally filed under legacy reason code 85 (condition 3), this code applies when a credit transaction was not accepted, usually for one of two reasons: The cardholder did not accept the credit. Reason Code 81: Fraud. The first is a catch-all for claims of fraud, while the others typically involve customer disputes. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. The cost of payment card fraud has increased by 60% over the last decade, and is expected to increase significantly post Covid-19. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. 9. 8 — Original Credit Transaction Not Accepted. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. 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. As part of its move to support card-not-present merchants and airlines, Visa made changes to the compelling evidence requirements for four key reason codes: Reason Code 30: Services Not Provided or Merchandise Not Received. 7 – Cancelled Merchandise / Services. A reason code is how banks categorize the reason for a chargeback. Modified on: Wed, 15 Apr, 2020 at 9:11 AM. 8. Region Only) 4855 Goods or Services Not Provided. What is Visa Reason Code 11. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. 7 — Cancelled Merchandise/Services. This means that Visa reason code 13. To represent a chargeback, you need to resubmit the transaction and include a rebuttal of the cardholder’s claims and documented evidence that proves your case. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. 9 is slightly narrower in scope. 8 = Original Credit Transaction not Acceptedfor chargeback reason code 4863 (Cardholder Does Not Recognize). Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. 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. Reason codes are created by the major. In most cases, you will have 20-45 days in which to respond to a chargeback. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRR What is Visa Reason Code 13. Description of Change Where to Look Appendix F—Transaction Identification60. There are two parts to this. 2. Chargeback reason codes are a list of common reasons why customers dispute charges on their credit card statements. Unauthorized returns (R05, R07, R10, R29, R51): 0. A cover letter The list of chargeback reason codes in this article is organized by card brand and type of dispute. Visa’s customer dispute reason codes list dispute reasons from 13. 1 Card Recovery Bulletin or Exception File. Whatever the case, the merchant has either made a mistake or forgotten to include. . Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks;. Multiple Authorization Requests. 13. ↩ Back to Directory. The codes for each card brand are listed below along with the recommended documentation to provide. chargeback reason codes REASON ODE ENCYCLOPEDIA sift. 7 if your customer has returned the merchandise. Reason Code 07. underlying your chargeback. 1 is an updated version of legacy reason code 30, which was phased out under the Visa Claims Resolution initiative. Visa now has 25 reason codes that fall within the four categories. The following is an overview of what those. Share your cancellation policy, note that it was displayed prominently, and show that the cardholder agreed to the terms at the time of the purchase. No Authorisation. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. 2 falls under the “Consumer Disputes” category. ”. You must also explain why the chargeback. 1. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. If you fulfilled the cancellation request but the cardholder continued to use the services, provide documentation that proves the charge covers services used after the cancellation. 13. Chargeback Guide • 13 December 2018 2. It could also prevent cardholders from abusing this chargeback reason code directly after their purchase, especially in cases where services were rendered within the 30-day wait period. Here’s a look at the reason codes for the same scenario from the major credit card companies: Visa: Reason Code 30 Services not provided or merchandise not received. 2: Cancelled Recurring: 13. Chargeback Reason Codes The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. For more information on how we communicate with you through the Chargeback process, please visit. Code. Web reports and delimited file reports now reflect theHow long can the issuer wait to file a dispute? The dispute timeline can be based on one of two start dates. Updated Disputes/Chargeback Policy Coming April 2024Please note that the most common Chargeback reason code for Allocation disputes is 10. 4807 Warning Bulletin File. What is Visa Reason Code 13. 1. Both apply only to ATM transactions, but reason code 13. About American Express chargeback reason codes. The reason code helps categorize the chargeback for the card network and issuing bank, and it also tells the merchant how they can fight the chargeback based on the corresponding reason for the transaction. Table of Contents. 9 is slightly narrower in scope. 4859 Addendum, No-show, or ATM Dispute. Chargeback Reason Codes Page 2 of 5. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. 4 is an updated version of legacy reason code 77, which was phased out under the Visa Claims Resolution initiative. The aforementioned chargeback occurred on January 19, 20. Febuary 2013: 7. 3 – Not as Described or Defective Merchandise/ Services 13. 14. These codes are established by the payment brands to categorize the incoming dispute requests by reason. 13. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. What is Visa Reason Code 13. For example, 10. Also, this reason code supersedes the. Reason Code 13. A new 4 byte reason code will be used moving forward. Chargeback Rules. Description of Change Where to Look An acquirer can create a second presentment when the acquirer either (a) believes the issuer’s chargeback did not fulfill the requirements of the chargeback reason code or (b) can provide information that addresses the original reason for the dispute. This provided a number of insights into the typical. Mastercard: n/a This chargeback is caused by Authorization. What is Visa chargeback reason code 10. The chargeback reason code is 13. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. Chargeback reason code 13. Required Authorization Not Obtained. Collaboration (12 and 13). 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Issuer Review;A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. 7) Chargeback Reason Codes Page 1 of 5 Card Type Reason Code Reason Text Chargeback Category Preventable Reversible MASTERCARD 4802 Requested/Required Item Illegible or Missing Request for Information YES YES MASTERCARD 4803 Documentation received was invalid/incomplete Request for Information YES YES The chargeback reason code. Notes The issuer may chargeback only the disputed amount. Published: December 13, 2022. Documentation must be. 8 functions as a reverse chargeback—it returns money to the merchant’s account that the merchant had intended to go to a cardholder. 7) Currently, when cardholders contact their issuing bank to file a. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)In this post, you will find the most common chargeback reason codes for card-absent (card-not-present) Visa transactions. 4846. Chargeback Guide • 13 December 2018 2. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. But there are certain circumstances in which a merchant can pursue representment on a chargeback with this reason code. The claim often, but not always, involves automated teller machines (ATMs). Documentation must be a direct result of cardholder communication. A08 Authorization Approval Expired. • For Visa Collaboration reason codes (RC 12. This code applies when a cardholder reports that the actual merchandise received (or service provided) differs greatly from the written or verbal description provided at the time of purchase. Improve chargeback-resolution time. 13. Once you know why a chargeback happened, you can start building a case to address the claims that were made. It is subject to change and may not include every currently known dispute reason code. ). 13. The problem continues to grow out of control with each year. Expedited Dispute Resolution forms will. Bank of America issues both Mastercard- and Visa-branded cards, so the exact requirements may vary depending on the Mastercard reason code or Visa reason code . 3, 13. Each card company has its own set of codes that indicate the specific reason that a cardholder initiated a dispute. 13. 3 Changed Discover Reason Codes to match what is shown in the UI. The good news is that most of these invalid claims are disputable by the merchant. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. which was an increase of. 1: Merchandise / Services Not Received: Consumer Disputes: 13. What is Visa chargeback reason code 11. Reason Code 07. Reason Code 05. About American Express chargeback reason codes. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. 3 No Authorization. 1 falls under the “Processing Errors” category. Documentation must be a direct result of cardholder communication. Both EFM and ECM measure compliance at the MID level. The reason code. Visa has grouped its chargeback reason codes into four dispute categories: Category 10: Fraud. . All ACH return reason codes consist of the letter “R” followed by two. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. The chargeback can be for the total transaction. ” 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. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. REASON ODE ENCYCLOPEDIA sift. Time Frames by Chargeback Type and Reason Code The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type. 97%. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. This indicates that the merchant has failed to respond to a transaction inquiry before the deadline elapsed. This means that if a merchant issues a refund in response to an alert, and it still results in a chargeback, the management company will refund the alert fee. A reason code or a chargeback reason code is a string of symbols (numbers and letters). Expedited Dispute Resolution forms will not be. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not Received Non-Receipt of Goods or Services NO YES VISA 41 Canceled Recurring Transaction Cancelled/Returned by CardholderThe chargeback reason code. The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds: Reason Code. 81. 2 Compliance Cases'luhfw fruuhvsrqghqfh wr wkh dssursuldwh hpdlo edvhg xsrq wkh uhdvrq frgh ri wkh lvvxh olvwhg ehorz <rx pd frpelqh lvvxhv iru gliihuhqw uhdvrq frghv lq wkh vdph fruuhvsrqghqfh rqo li wkh hpdlo ghvwlqdwlrq lv wkh vdph <rx pd. Click on “report a problem” and select the transaction in question. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. This code applies when customers claim to have a receipt from either a voided transaction or a credit, but the transaction hasn’t been processed. 1 - Merchandise/Services Not Received. Visa Chargeback Reason Codes. Complete Guide to Visa Compelling Evidence Update CE 3. 1001 - Cardholder does not recognize the transaction. American Express. This code applies when customers claim to have a receipt from either a voided transaction or a credit, but the transaction hasn’t been processed. Feel free to submit topic suggestions, questions or requests for advice to:. Kount’s chargeback experts expect. 13. 1 chargeback: 1. " Dear [Name of Recipient], I write this rebuttal letter contesting chargeback [number] for [dollar amount]. You cannot refer the cardholder to the manufacturer. Chargeback reason codes are a set of numbers and letters indicating why a customer is requesting a refund for a purchase. ” This code indicates the merchant made a swiped or keyed transaction with a counterfeit card rather than scanning the EMV chip. Reason Code Reason Description; 13. 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. Wait Time Limits for Cancelled Merchandise/Services (Dispute Condition 13. In the case of friendly fraud, that reason could be completely invalid and. Please be advised that starting April 13, 2018, Visa has implemented several changes to the chargeback rules and regulations (VCR). 4853 – Cardholder Dispute – Credit Posted as a Purchase. Acquirer Use of Message Reason Code 7623. 13. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. To maintain compliance with NACHA regulations, businesses that process ACH transactions must keep their rates of various return codes under certain thresholds, based on the previous 60 days of activity: Overall returns (all codes): 15%. Required Authorization Not Obtained. Having a Lax Attitude Toward Industry Rules & Regulations. Clearly and concisely communicate your cancellation policy and make it. 13. When disputing a chargeback, select the document(s) that support your case, attach. Unfortunately, the final decision in such cases comes down to the issuing bank, and not. 11. The shorthand. 13. Chargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. More importantly, the chargeback reason code determines how the merchant can fight that chargeback. PCI DSS v3. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Eligible Chargeback Reason Codes . Visa chargeback reason code 13. The shorthand description is “Cancelled Merchandise/Services. This specific code applies when a cardholder claims that the terms of the sale were in some way misrepresented. 4: Counterfeit Merchandise: 13. 4 is part of the updated Visa reason codes that were phased out under the Visa Claims Resolution initiative. The transaction amount and authorization number (ARN. 0. Spot these types of chargebacks using the below reason codes. For card-absent transactions, use all Visa tools, including AVS, CVV2, Visa Secure, and more, to reduce instances of fraud. Chargeback reason code 4853 can be used to indicate cases in whic the merchant failed to cancel a recurring payment (when requested by the cardholder). 4 Counterfeit Merchandise, we are providing the attached compelling evidence. Learning More about Visa Chargeback Reason Code 13. Unlocking the Potential of Merchant Category Codes (MCCs) Feb 13, 2023Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. Chargeback Guide • 13 December 2018 4. Unfortunately, it still counts as a chargeback, and may affect your chargeback ratio and cause you to incur chargeback fees. 9 was previously covered by legacy Visa reason code 90. What is Visa chargeback reason code 12. These codes are typically provided to the merchant through their payment processor, and understanding them is crucial for minimizing returns and improving payment processing.