network stringclasses 4
values | code stringlengths 2 6 ⌀ | title stringlengths 8 65 | plain_english_meaning stringlengths 66 288 | response_deadline stringclasses 3
values | key_evidence stringlengths 92 327 | winnability_label stringclasses 3
values | source stringclasses 4
values |
|---|---|---|---|---|---|---|---|
Visa | 10.4 | Other Fraud — Card-Absent Environment | The cardholder says they did not authorize this card-not-present (online/phone) transaction. This is the most common e-commerce fraud chargeback. | 30 days | AVS (address) and CVV2 match results from the authorization; Device fingerprint / IP address matching the cardholder; Proof the customer logged in or used the product after purchase; Signed delivery confirmation to the billing/AVS-matched address; History of prior undisputed orders from the same cardholder | Highly winnable | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 10.3 | Other Fraud — Card-Present Environment | The cardholder disputes an in-person (card-present) transaction as fraudulent, claiming they did not authorize it at the point of sale. | 30 days | EMV chip read or contactless transaction record; Signed receipt or PIN-verified authorization; Terminal/POS logs showing the card was physically present; Photo or video evidence from the point of sale if available | Winnable with strong evidence | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 10.1 | EMV Liability Shift Counterfeit Fraud | A counterfeit card was used in person at a terminal that was not EMV chip-enabled, shifting fraud liability to the merchant. | 30 days | Proof the terminal was EMV chip-enabled and the chip was read; Transaction record showing chip (not magstripe) acceptance; Authorization and settlement records | Highly winnable | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 10.2 | EMV Liability Shift — Non-Counterfeit Fraud | A lost or stolen card was used in person at a terminal that was not EMV chip-enabled, shifting fraud liability from the issuer to the merchant. | 30 days | Proof the terminal was EMV chip-enabled and the chip was read (not a magstripe fallback); Transaction record confirming chip-on-chip acceptance; PIN-verified or contactless authorization record if applicable; Authorization and settlement records | Highly winnable | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 13.1 | Merchandise / Services Not Received | The cardholder paid but says they never received the merchandise or service by the expected date. | 30 days | Carrier tracking showing delivery to the cardholder address; Signed proof of delivery or photo confirmation; For digital goods: download/access logs with timestamps and IP; Order confirmation and the agreed delivery timeframe; Any customer messages acknowledging receipt | Winnable with strong evidence | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 13.2 | Cancelled Recurring Transaction | The cardholder says they cancelled a subscription or recurring billing but were charged anyway. | 30 days | Your cancellation policy and the terms the customer accepted at sign-up; Records showing no cancellation request was received before the billing date; Login / usage activity during the disputed billing period; Proof the renewal terms were clearly disclosed at checkout | Winnable with strong evidence | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 13.3 | Not as Described or Defective Merchandise | The cardholder received the item but claims it was defective or significantly different from how you described it. | 30 days | Your product/service description exactly as shown at checkout; Photos, specs, or QA records proving what shipped matched the listing; Terms, return policy, and refund policy the customer accepted; Communication history about any resolution offered | Winnable with strong evidence | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 13.5 | Misrepresentation | The cardholder claims the terms of the sale were misrepresented — common with free trials, hidden recurring charges, or undisclosed terms. | 30 days | Screenshots of the offer terms exactly as the customer saw them; Timestamped acceptance of terms / trial disclosure at checkout; Pricing and renewal disclosures shown before purchase | Winnable with strong evidence | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 13.6 | Credit Not Processed | The cardholder says you promised a refund or credit that never appeared on their statement. | 30 days | Processor refund confirmation with transaction/reference ID; Date the credit was issued and when it settled; Your refund / no-return policy the customer accepted; Communication showing whether a refund was actually owed | Often winnable | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 13.7 | Cancelled Merchandise / Services | The cardholder cancelled the order or returned the merchandise per policy but was still charged or not credited. | 30 days | Your cancellation / return policy as accepted at purchase; Records showing whether a valid cancellation or return occurred; Proof of any credit already issued, or that the cancellation was invalid | Winnable with strong evidence | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 12.5 | Incorrect Amount | The cardholder was charged an amount different from what they authorized. | 30 days | The authorized amount vs. the settled amount with order detail; Itemized receipt or invoice the customer agreed to; Proof of any tip, tax, or adjustment the customer authorized | Winnable with strong evidence | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 12.6.1 | Duplicate Processing | The cardholder says a single transaction was processed more than once. | 30 days | Distinct order IDs, auth codes, and line items for each charge; Proof each charge corresponds to a separate purchase; If a true duplicate, evidence the duplicate was already refunded | Often winnable | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 11.3 | No Authorization | The transaction was completed without obtaining the required authorization approval. | 30 days | Authorization approval code for the transaction; Records showing a valid authorization was obtained at the correct time | Winnable with strong evidence | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 11.1 | Card Recovery Bulletin | The transaction was authorized below the merchant floor limit (or without authorization) at a time the account was listed on the Card Recovery Bulletin / exception file, so a required check was skipped. | 30 days | Authorization approval code obtained for the transaction; Records showing the account was not flagged on the exception file at the time of sale; Proof the transaction was correctly authorized rather than processed below floor limit | Winnable with strong evidence | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 11.2 | Declined Authorization | The transaction was completed after the authorization request was declined (or was processed without a fresh approval), so a charge went through that the issuer had not approved. | 30 days | Authorization approval code showing the transaction was actually approved; Records that the charge was not force-posted after a decline; Proof a fresh, valid authorization was obtained at the time of sale | Winnable with strong evidence | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 12.1 | Late Presentment | The transaction was submitted for settlement outside the timeframe the network allows after authorization, and the issuer was unable to recover funds from the account by the time it cleared. | 30 days | Authorization date and settlement date showing the transaction was presented on time; Transaction processing records with timestamps; Proof the account was still in good standing when the transaction settled | Winnable with strong evidence | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 10.5 | Visa Fraud Monitoring Program | The transaction was flagged under the Visa Fraud Monitoring Program (VFMP), which lets issuers dispute card-absent transactions on accounts the program has identified for excessive fraud activity. | 30 days | AVS (address) and CVV2 match results from the authorization; Device fingerprint / IP address tied to the cardholder; Delivery confirmation to the verified address and proof of product use; Records that the order passed your fraud-screening controls | Winnable with strong evidence | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 13.4 | Counterfeit Merchandise | The cardholder claims the merchandise they received was counterfeit, and that a regulatory or governmental authority identified or seized it as counterfeit. | 30 days | Proof of authenticity or licensing for the merchandise (supplier invoices, brand authorization); The product description and listing the customer accepted at checkout; Documentation contradicting any claim that an authority identified the goods as counterfeit; Your return/refund policy and any resolution offered | Winnable with strong evidence | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 13.8 | Original Credit Transaction Not Accepted | The cardholder declines an Original Credit Transaction (a push payment/credit to their card) — for example because it is prohibited in their jurisdiction or they did not want to accept the funds. | 30 days | Records of the Original Credit Transaction and the cardholder agreement to receive it; Proof the credit was valid and permitted for the recipient and jurisdiction; Communication authorizing the push payment to the card | Winnable with strong evidence | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Visa | 13.9 | Non-Receipt of Cash or Load Transaction Value | The cardholder says they did not receive the cash they requested at a terminal (such as an ATM or cash-back transaction) or the value they expected from loading a prepaid account. | 30 days | Terminal / ATM dispense records and journal logs for the transaction; Proof the cash was dispensed or the prepaid value was loaded; Reconciliation records showing the account was funded correctly | Winnable with strong evidence | Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation |
Mastercard | 4837 | No Cardholder Authorization | The cardholder claims they did not authorize or participate in the transaction — Mastercard’s primary fraud chargeback. | 45 days | AVS and CVC2 match results from the authorization; Device fingerprint / IP address tied to the cardholder; Proof of product access or use after the purchase; Delivery confirmation to the verified address; Prior undisputed purchase history from the same cardholder | Highly winnable | Mastercard Chargeback Guide |
Mastercard | 4853 | Cardholder Dispute (Goods/Services Not as Described or Defective) | A broad consumer-dispute code: goods or services not received, not as described, defective, or a cancelled recurring charge. | 45 days | The product/service description the customer accepted; Proof of delivery or proof the item matched the description; Terms, cancellation, and refund policy accepted at purchase; Communication history about any resolution offered | Winnable with strong evidence | Mastercard Chargeback Guide |
Mastercard | 4855 | Goods or Services Not Provided | The cardholder paid but says the merchandise or service was never delivered or rendered. | 45 days | Carrier tracking showing delivery to the cardholder; Signed proof of delivery or digital access logs; Order confirmation and agreed delivery window | Winnable with strong evidence | Mastercard Chargeback Guide |
Mastercard | 4834 | Point-of-Interaction Error (Duplicate / Incorrect Amount) | A processing error — the cardholder was charged more than once or for an incorrect amount. | 45 days | Distinct order IDs and auth codes for each charge; Itemized totals matching the authorized amounts; Proof of refund if a genuine duplicate occurred | Often winnable | Mastercard Chargeback Guide |
Mastercard | 4841 | Cancelled Recurring or Digital Goods Transaction | The cardholder cancelled a recurring billing or digital subscription but was charged again. | 45 days | Renewal terms and cancellation policy accepted at sign-up; Records showing no cancellation request before the billing date; Usage / login activity during the disputed period | Winnable with strong evidence | Mastercard Chargeback Guide |
Mastercard | 4808 | Authorization-Related Chargeback | The transaction lacked a valid authorization, or the authorization was declined or expired. | 45 days | Valid authorization approval code for the transaction; Records the authorization was obtained and not expired at settlement | Winnable with strong evidence | Mastercard Chargeback Guide |
Mastercard | 4863 | Cardholder Does Not Recognize | The cardholder does not recognize the transaction on their statement (often a billing-descriptor confusion rather than true fraud). | 45 days | Clear billing-descriptor records matching your business name; Order details, receipt, and customer information; Proof the customer placed and received the order | Highly winnable | Mastercard Chargeback Guide |
Mastercard | 4870 | Chip Liability Shift — Counterfeit Fraud | A counterfeit card was used in a card-present transaction that was not processed via the EMV chip (for example a magstripe fallback on a chip-capable card), shifting counterfeit-fraud liability to the merchant. Mastercard's lost-or-stolen chip-liability variant is the separate code 4871. | 45 days | Proof the terminal was EMV-certified and the chip was read (not a magstripe fallback); Transaction record confirming chip-on-chip acceptance; Authorization log showing EMV data was transmitted in the authorization request | Highly winnable | Mastercard Chargeback Guide |
Mastercard | 4871 | Chip Liability Shift — Lost / Stolen / Never Received Fraud | Fraud occurred on a lost, stolen, or never-received card in a card-present transaction that was not completed with chip-and-PIN, shifting liability to the merchant. | 45 days | Records that the terminal was EMV chip-and-PIN certified and the chip was read; Proof PIN verification was performed at the point of sale; Transaction record showing chip (not magstripe) acceptance; Authorization and settlement records | Winnable with strong evidence | Mastercard Chargeback Guide |
Mastercard | 4812 | Account Number Not on File | The transaction was processed against a card account number that did not exist on the issuer’s file at the time of the transaction. | 45 days | Authorization approval code and the account number as submitted; Records showing the card number was entered and authorized correctly; Proof a valid authorization response was received for the account | Winnable with strong evidence | Mastercard Chargeback Guide |
Mastercard | 4850 | Installment Billing Dispute | In participating countries, the cardholder disputes an installment charge — for example claiming the installment plan was not what they agreed to, or that an installment was billed incorrectly. | 45 days | The installment plan terms the cardholder accepted at purchase; Schedule of installments and the amount due for the disputed billing; Records showing the installment was billed per the agreed schedule; Proof of any credit issued if an installment was billed in error | Winnable with strong evidence | Mastercard Chargeback Guide |
American Express | F29 | Card Not Present Fraud | The cardholder disputes a card-not-present transaction as fraudulent — Amex’s primary online fraud code. | 20 days | AVS and CID match results from the authorization; Device fingerprint / IP tied to the cardholder; Proof of delivery or product access after purchase; Prior undisputed order history from the cardholder | Highly winnable | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | C08 | Goods/Services Not Received or Only Partially Received | The cardholder paid but says they did not receive the goods or services, or received only part of the order. | 20 days | Carrier tracking with delivery confirmation; Digital access logs for non-physical goods; Order details and agreed delivery timeframe | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | C31 | Goods/Services Not as Described | The cardholder received the item but says it was materially different from what was described. | 20 days | The product description the customer accepted at checkout; Proof the delivered item matched the listing; Return/refund policy accepted at purchase | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | C02 | Credit Not Processed | The cardholder expected a credit or refund that was not processed. | 20 days | Processor refund confirmation and reference ID; Settlement date of the credit; Refund policy accepted by the customer (if no credit was owed) | Often winnable | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | C04 | Goods/Services Returned or Refused | The cardmember returned merchandise or refused delivery and claims a credit was not applied to their account. | 20 days | Your return and refund policy accepted at purchase; Proof the return did not meet your policy criteria, or that goods were not returned in acceptable condition; Refund confirmation and reference ID if a credit was already issued; Communication records about the return or refusal | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | C05 | Goods/Services Cancelled | The cardholder cancelled the order or service but was charged or not refunded. | 20 days | Cancellation policy accepted at purchase; Records of whether a valid cancellation occurred; Usage during the period billed, or proof of credit issued | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | P05 | Incorrect Charge Amount | The amount charged differs from the amount the cardholder authorized. | 20 days | Authorized vs. settled amount with itemized detail; Receipt or invoice the customer approved | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | P08 | Duplicate Charge | The cardholder says they were charged more than once for a single purchase. | 20 days | Distinct order IDs and auth codes for each charge; Proof each charge was a separate purchase; Refund proof if a genuine duplicate occurred | Often winnable | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | F10 | Missing Imprint | The cardholder disputes a transaction as fraudulent and Amex says no card imprint or equivalent record exists proving the card was present. | 20 days | Transaction record showing the card was read (chip, swipe, or contactless); Signed receipt or terminal record tying the card to the sale; Any imprint or point-of-sale capture of the card details | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | F14 | Multiple ROCs | The merchant submitted more than one Record of Charge (ROC) for the cardholder, and the cardholder denies participating in the additional charge records — saying they authorized one transaction, not the extra ones. | 20 days | A signed receipt or Record of Charge for the specific disputed charge; Proof each Record of Charge is a separate, authorized transaction (distinct order IDs, dates, or items); Evidence of a recurring or installment agreement if the extra charges were expected; Proof of any credit already issued if a genuine duplicate o... | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | F24 | No Cardmember Authorization | The cardholder acknowledges other purchases with you but says they did not authorize this specific transaction. | 20 days | AVS and CID match results from the authorization; Device fingerprint / IP tied to the cardholder; Proof of delivery or product access for this transaction; Prior undisputed order history from the same cardholder | Highly winnable | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | F30 | EMV Counterfeit Fraud | The cardholder denies a card-present transaction in which a counterfeit chip card was used, and the chip was not properly processed. | 20 days | Proof the terminal was EMV chip-enabled and the chip was read; Transaction record showing chip (not magstripe) acceptance; Authorization and settlement records | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | F31 | EMV Lost / Stolen / Non-Received Fraud | The cardholder denies a card-present transaction made with a lost, stolen, or never-received chip card that was not properly processed via the EMV chip. | 20 days | Proof the terminal was EMV chip-and-PIN certified and the chip was read; PIN verification record for the transaction; Authorization and settlement records | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | A01 | Charge Amount Exceeds Authorization Amount | The amount you billed was higher than the amount Amex authorized for the transaction. | 20 days | Authorization approval amount vs. the amount billed; Itemized record of any disclosed tip, tax, or adjustment; Proof the billed amount matched what the cardholder authorized | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | A02 | No Valid Authorization | You did not obtain a valid authorization — the charge was declined or the card had expired when the transaction was processed. | 20 days | Authorization approval code obtained at the time of sale; Records showing the card was valid and not expired; Proof the charge was not processed after a decline | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | A08 | Authorization Approval Expired | You submitted the transaction after the authorization approval had already expired. | 20 days | Authorization date and the settlement date showing the charge was timely; Records proving the transaction settled within the approval window; A fresh authorization if the original had aged | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | C14 | Paid by Other Means | The cardholder says they were billed on their Amex card for a purchase they already paid for by another method. | 20 days | Records showing the Amex charge corresponds to a distinct, unpaid purchase; Proof no other payment was applied to this same order; Itemized order and payment records | Often winnable | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | C18 | “No Show” or CARDeposit Cancelled | The cardholder says a lodging or reservation was cancelled, or that an expected credit for a CARDeposit charge was not received. | 20 days | Your cancellation / no-show policy as accepted at booking; Records showing whether a valid cancellation occurred within policy; Proof of any credit already issued, or that a no-show charge was valid | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | C28 | Cancelled Recurring Billing | The cardholder says they cancelled a recurring or subscription charge but were billed anyway. | 20 days | Subscription terms and recurring-billing disclosure accepted at sign-up; Records showing no cancellation request was received before the billing date; Login or usage activity during the disputed billing period; Renewal notification sent before the charge, if applicable | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | M10 | Vehicle Rental — Capital Damages | The cardholder disputes a charge you billed for capital damages to a rented vehicle. | 20 days | Rental agreement and the damage-liability terms the cardholder accepted; Documentation of the damage (inspection reports, photos, repair invoices); Proof the charged amount reflects the actual damage cost | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | M49 | Vehicle Rental — Theft or Loss of Use | The cardholder disputes a charge you billed for theft of, or loss of use of, a rented vehicle. | 20 days | Rental agreement and the theft / loss-of-use terms the cardholder accepted; Police report or incident documentation for the theft; Records substantiating the loss-of-use period and amount charged | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | R03 | Insufficient Reply | Amex requested more information about a transaction and you replied, but the documentation provided was not sufficient to resolve the inquiry. | 20 days | The complete transaction record Amex requested (receipt, order, delivery proof); A clear written response addressing each point in the inquiry; Supporting documentation specific to the disputed transaction | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
American Express | R13 | No Reply | Amex sent an inquiry about a transaction and did not receive a response within the required time, so the dispute proceeded by default. | 20 days | The complete transaction record Amex originally requested; A timely written response addressing the inquiry; Proof of the records supporting the transaction | Winnable with strong evidence | American Express Merchant Reference Guide and Dispute (Chargeback) documentation |
Discover | UD | Unauthorized / Disputed (Cardmember Does Not Recognize) | The Discover cardmember disputes the transaction as unauthorized or unrecognized. | 30 days | AVS and CID match results; Device / IP evidence tied to the cardmember; Delivery confirmation and proof of product use; Clear billing descriptor and order history | Highly winnable | Discover Network Dispute Rules and Reason Code documentation |
Discover | RG | Non-Receipt of Goods or Services | The Discover cardmember paid but says they never received the goods or services. | 30 days | Carrier tracking with delivery confirmation; Digital access logs for non-physical goods; Agreed delivery timeframe and order details | Winnable with strong evidence | Discover Network Dispute Rules and Reason Code documentation |
Discover | RM | Quality of Goods or Services (Not as Described) | The cardmember received the item but says its quality or description was misrepresented. | 30 days | Accurate product/service description accepted at checkout; Proof the delivered item matched the listing; Return/refund policy and any resolution offered | Winnable with strong evidence | Discover Network Dispute Rules and Reason Code documentation |
Discover | CD | Credit Not Processed | The cardmember expected a credit or refund that was never processed. | 30 days | Refund confirmation and reference ID; Settlement date of the credit; Refund policy if no credit was owed | Often winnable | Discover Network Dispute Rules and Reason Code documentation |
Discover | DP | Duplicate Processing | The cardmember says a single transaction was processed more than once. | 30 days | Distinct order IDs and auth codes for each charge; Proof each charge was a separate purchase; Refund proof for any genuine duplicate | Often winnable | Discover Network Dispute Rules and Reason Code documentation |
Discover | AP | Recurring Payments | The Discover cardmember disputes a recurring or subscription charge, typically claiming they cancelled or did not authorize the ongoing billing. | 30 days | Subscription terms and recurring billing disclosure accepted at sign-up; Cancellation policy and records showing no cancellation request was received before the billing date; Login or usage activity during the disputed billing period; Renewal notification sent before the charge, if applicable | Winnable with strong evidence | Discover Network Dispute Rules and Reason Code documentation |
Discover | AA | Does Not Recognize | The Discover cardmember does not recognize the transaction on their statement — a recognition dispute that often resolves once the merchant and purchase are identified. | 30 days | A clear billing descriptor and the merchant name shown to the cardmember; Order details, AVS/CID results, and device/IP tied to the cardmember; Delivery confirmation or proof of product use | Highly winnable | Discover Network Dispute Rules and Reason Code documentation |
Discover | null | No Authorization | The transaction was processed without obtaining a valid authorization — for example after a decline, or by bypassing the authorization request. | 30 days | Authorization approval code obtained at the time of sale; Records showing the charge was not processed after a decline; Proof a valid authorization response was received | Winnable with strong evidence | Discover Network Dispute Rules and Reason Code documentation |
Discover | IC | Illegible Sales Data | The sales data or receipt the merchant provided was illegible, so the transaction details could not be read to resolve the dispute. | 30 days | A clear, legible copy of the sales receipt or transaction record; Itemized order details and the amount charged; Any supporting documentation tied to the transaction | Winnable with strong evidence | Discover Network Dispute Rules and Reason Code documentation |
Discover | UA | Fraud — Cardmember Does Not Recognize / Unauthorized | The Discover cardmember claims the transaction was fraudulent or unauthorized — the merchant-facing fraud dispute code, with variants for card-present, card-not-present, and chip transactions. | 30 days | AVS and CID match results from the authorization; Device fingerprint / IP tied to the cardmember (card-not-present); EMV chip / PIN or signed receipt records (card-present); Delivery confirmation, proof of product use, and prior order history | Highly winnable | Discover Network Dispute Rules and Reason Code documentation |
Credit Card Chargeback Reason Codes (Visa, Mastercard, Amex, Discover)
A complete, plain-English reference for the active chargeback reason codes a merchant can receive across the four major card networks. Each code includes what it means, the response deadline, and the evidence that typically wins a dispute.
What's in it
64 active reason codes, one row each, with these fields:
| Field | Meaning |
|---|---|
network |
Visa, Mastercard, American Express, or Discover |
code |
The reason code as it appears on the dispute |
title |
The network's name for the code |
plain_english_meaning |
What the code actually means for the merchant |
response_deadline |
How long the merchant has to respond |
key_evidence |
The evidence that typically supports a response |
winnability_label |
A rough read on how defensible the dispute usually is |
source |
Where the code definition was drawn from |
What the data shows
The 64 active codes break down by network as: American Express 23, Visa 20, Mastercard 11, Discover 10. Retired codes are deliberately excluded, so nobody builds a response around a code that no longer exists.
A note on accuracy
The card network makes the final decision on every dispute. This dataset is a reference for understanding and preparing a response, not a guarantee of outcome.
License
Published under CC BY 4.0. Free to use, cite, or redistribute with attribution. Maintained by ChargebackKit (chargebackkit.app/reason-codes).
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