The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. · 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that included removing certain restrictions from chargebackText of Chargeback Guide. Chargeback Guide (PDF) - MasterCard. ) A no-nonsense summary of evidence that proves transaction is legit. 4808: Requested/Required Authorization Not Obtained. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Chargeback Reason Codes, Chip Liability Shift Chargebacks—Mastercard Europe ATM Transactions (Mastercard, Maestro, and Cirrus), Message Reason Codes, Message. This change applies if the. 4512: Duplicate Processing:There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. 4870: Chip Liability Shift: 120 days: 4871: Chip/PIN Liability Shift. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,WEX began issuing chip cards in Q4, 2020. 1, 5 January 2016. 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. . 4:. 62 4870/4871 Counterfeit TransactionTop chargeback reason codes: Mastercard reason code. Authorization. 4 Other Fraud Card Absent. 26 Chapter 1: GeneralReason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift ; How can I actively prevent fraudulent chargebacks? Depending on your workflow or third-party integration use, it may curb chargeback risk to have your guest present payment upon pickup so that it can be processed by the more secure EMV chip. May 2011: 5. Sie haben dann mehrere Tage Zeit, diesen mit den entsprechenden Unterlagen anzufechten. 518 Transaction. MasterCard offers longer response from merchants, with up to 45 days to respond. If the chargeback stems from the use of non-EMV readers, for example, the merchant should implement compliant terminals. . How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. 4840 Fraudulent processing of transaction. A chargeback reason code is a 2-to-4-digit alphanumeric code chosen by the issuing bank from a predetermined list to reveal the reason the cardholder gave for requesting a chargeback. Which Mastercard chargeback reason codes were condensed down in 2016, like the processed that Visa just underwent with Passport Claims Dissolution. The merchant did not receive any returned merchandise. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. There is some precise chargeback reason codes, particularly for MasterCard holder :. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. As things. Each chargeback claim is given a reason code, which helps explain to merchants the reason for the dispute. The chargeback transfers funds from the acquirer to the issuer. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37Chargeback Guide (PDF) - MasterCard. 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. If your chargeback ratio is high [i. As things currently stand, when an issuer believes that their initial chargeback was valid and the evidence submitted with the second presentment did. 1: goods not received. Mastercard chargeback reason code 4871 is one of the numeric labels assigned by banks to customer disputes, indicating the given reason for the claim. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. But, it could be up to 540 days, in some situations. Type. Authorization. 4860 Credit Not Processed. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. EN. Reason Code Reason Code Description Timeframe; 4808: Authorization-related Chargeback: 90 calendar days: 4853: Cardholder dispute: 120 calendar days: 4837/4849/4870/4871: Fraud - No cardholder authorization - Questionable merchant activity - Chip liability shift - Chip liability shift - Lost/Stolen/ Never Received Issue (NRI) fraud : 120. Read on for the complete guide to dealing with chargebacks. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. 328 Proper Use for Acquirer’s Second Presentment. Square. The PCI-DSS compliance requirements are extremely detailed, but here’s. EMV LAIBILITY SHIFT- Counterfeit . The chargeback filing period for cardholders is usually 120 days. processed the transaction correctly. The acquirer receives the chargeback and debits the funds from the merchant’s account. The terminal action codes are in Table 122 of the 4. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. These frauds are sorted by codes 4870, 4871, 4837, etc. Mastercard chargeback codes fall in to four categories:. Most cases stemming from point-of-interaction errors allow 90 calendar days to file. 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. Chargeback Reason Codes Visa. Presentment • Believes the issuer’s chargeback did not fulfill the requirements of the chargeback reason code • Can provide information that addresses the original reason for the dispute A second presentment must be for the total chargeback amount or a lesser amount. Written by Chargeback Gurus. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Fraud. As we touched on earlier, chargebacks can happen due to technical errors. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. This means providing evidence that will undermine the cardholder’s claim. The<br /> transaction amount may be charged back one time by the issuer, either as<br /> a full chargeback amount, a partial chargeback amount, or multiple partial<br. Date Option. R03 Insufficient Reply. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. Replaced Chapter 1, Processing Procedures— MasterCard Dual Message System. Values are: Blank: Use the draft G/L date. If the order was genuinely not as described, then the cardholder has a case. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. 195 Acquirer Use of Message Reason Code 7627. Visa chargeback reason codes retrieved from Visa. Owned by Willi Von Borstel (Unlicensed) Last updated: Dec 08, 2015 by Former user (Deleted) Loading data. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. Reason Code Description External Category; 108: The remitter account is debited but the beneficiary account was not credited: Chargeback Raise: 109: The remitter bank customer still disputes that the beneficiary account is not credited: Pre-arbitration Raise: 121: TCC has been raised but the customer still complaining that Beneficiary a/c is. Chargeback Reason Codes, Chip Liability Shift Chargebacks—Mastercard Europe ATM Transactions (Mastercard, Maestro, and Cirrus), Message Reason Codes, Message. Intra-European Message Reason Code 4870-Chip Liability Shift. 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. Arbitration is the final. Goods / Services Damaged or Defective. S. or order no. F01. Mastercard has plans to follow suit. The cardholder claims either that the merchandise was never. Chargeback reason codes. 4837 — No Cardholder Authorization. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. Only by researching the disputed transaction and examining the true facts of the situation can you tell whether a chargeback is legitimate or not. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. F02. When one cardholder initiates a dispute with their issuing bank, a. Match case Limit results 1 per page. ”. 4:. It can range from 60 to 120 days from the billing date. September 2011: 5. . Refer to the following list for accepted values in the field chbk_reason_code. Get your complete guide to the new Visa reason codes, including all the. One catch is that CE3. 4863. The chargeback filing period for cardholders is usually 120 days. The Reason Code is a number that represents the reason for an action in the chargeback process. The chargeback reason code classifies the type of chargeback, the reason for why the . pdf from BIO 101 at Collège April-Fortier. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. FR2 Fraud Full Recourse Program. Time Limit Framework for Chargeback Reason Codes. Summary of Changes, 2 November 2017The issuer submitted more than 15 chargebacks in aggregate involving the same account (as defined above) for message reason codes 4837, 4840, 4870, or 4871. Learn how to minimize fraud risks and protect your business from financial losses. The changes in this fourth phase do not apply to the following reason codes: 4870 – Chip Liability Shift. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. See the list of reason codes below: Card Network. Issuers can only submit a chargeback on. Chargebacks may happen for a variety of reasons: the most common are returns of goods, cancelled services, quality disputes or processing errors, and fraud. For best results, your chargeback win rate should be as close to 100% as possible. It is a valuable resource for anyone involved in the payments industry. By entering your email, you agree to receive marketing emails from Shopify. 4870 Chip Liability Shift; 4871 Chip/PIN Liability Shift; 4999 Domestic Chargeback Dispute (Europe Region Only. . What is a chargeback time limit? The chargeback response. What Are Chargeback Reason Codes? Chargeback reason codes are a set of numbers and letters indicating why a customer is requesting a refund for a purchase. Get your complete guide to Mastercard reason codes, included all the detailed information, chargeback time limitings, or other important information it need. Reason Codes Category 4: Processing Errors. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. 4870 – Chip. With an eCommerce transaction, 3-D Secure technology works like an online PIN code. This cipher is chosen by examining the list of reason codes established due the card network for the payment card in question furthermore selecting the one that best matches the reason which cardholder gave for the conflicts. UA02 Fraud – Card Not Present Transaction. Chargeback Reason Codes All received credit card disputes include a reason code. The card scheme receives the chargeback and forwards it to the acquirer. Either the transaction was processed with a forged EMV chip card or the merchant processed a transaction. 2 Improper Use of Message Reason Code 4870 Added new bullet and updated Technical Fallback<br />. Sobald wir eine Chargeback-Meldung erhalten, leiten wir diese unmittelbar an Sie weiter. This reason code covers chargebacks related to the EMV liability shift, which leaves merchants liable for fraudulent transactions in which the card had an EMV chip, but the. 4870: Chip Liability Shift: 120 days: 4871: Chip/PIN Liability Shift. 1: Use the corresponding dates from the invoice. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some. Cirrus), Message Reason Codes, Message Reason Code 4870—Chip Liability Shift Summary of Changes, 20 November 2017. Dispute Reason: Fraud - 4837/4870/4871: Functional Category: FNS counter: Effective Date:. Fortunately, all major credit card networks provide clear information regarding chargeback reason codes. A reason code or a chargeback reason code is a string of symbols (numbers and letters). reason code information. . In 2020, MasterCard revised their chargeback rules and eliminated the “second chargeback” step. Learn more about Mastercard chargeback reason codes. Visa chargeback reason codes. 4870. Mastercard chargeback reason code 4870 falls under the “Fraud” category. Message reason code 4863 first chargebacks will be included in the FNS count once theFNS fraud chargeback count is two or greater. That’s 50% more time than what the major card networks allow. Europe Region Operations Bulletin No. 2. Time Limit in Calendar Days. For more information on these and other updates, check out our complete chargeback reason. Updated the following columns - card type, response due date. 4812: Account Number. 1 - Card Recovery Bulletin: The transaction was below your credit floor limit and was not authorised. Description of Change Where to Look Global Operations Bulletin No. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. 4870: EMV Chip Liability Shift: 4871: EMV Chip/PIN Liability. 1 = EMV-Liability Shift counterfeit. . When a fraudster places a transaction using stolen payment credentials, it may result in a true fraud chargeback under this reason code. For example, Mastercard has a code which indicates a ‘consumer dispute. . Match case Limit results 1 per page. Chargeback reason code. 4870 – Chip Liability Shift: 120 days. The Sift Digital Trust & Safety Platform does what other fraud tools can’t, patented technology delivers. For merchants at risk of exceeding important chargeback thresholds, this cost is often well worth it. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. pdf; of 571 /571. Chargeback Guide June 2020 - Free ebook download as PDF File (. This scenario applies when the arbitration was raised by either the. Mastercard Chargeback Guide is a comprehensive document that explains the rules and procedures for resolving disputes between cardholders, merchants and issuers. 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. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. The shorthand description is “Fraudulent Processing of Transactions. 2021. 4870: EMV Liability Shift. - Merchant does not provide a credit through Collaboration for two (2) transactions and credits for the remaining 13 transactions. 10. 4. Code 4837 chargebacks are most often caused by either a fraudster making a purchase with stolen payment credentials or a cardholder failing to recognize a legitimate charge. Chargeback-Verfahren. 1=1010, 10. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. Some credit card companies also include a short phrase describing the code and chargeback. 4807 – Warning Bulletin File. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. By understanding the reason behind the chargeback, you can gather the necessary evidence to support your case effectively. Reason Codes: 08 / 20 / 71 / 72 A card was used either before or after its valid date Never process a transaction on a card prior to, or after, the valid date. MasterCard ChargeBack Guide 20141030. Several reason codes fall under this heading; it is important to differentiate between chargebacks with reason code 4870 (Chip Liability Shift) vs. Older time limits for disputes vary based on reason code; in many cases buyers have 120 days after a purchase to file a chargeback. The Square Editorial Team is dedicated to telling. Visa flagged the transaction under the Fraud Monitoring Program, and the issuer has not filed a chargeback under another reason code. Message reason code 4863 first chargebacks will be included in the FNS count once the FNS fraud chargeback count is. 10. High Level Visa Chargeback Dispute Flow. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. Here’s how reason codes make it easy for you to check the status of your disputes or chargebacks: Mastercard Chargeback Reason Codes Demystified. Invalid Reasons for a DisputeM10 Vehicle Rental – Capital Damages. First Chargeback failed: Reason Code 4870 not allowed for “Mag Stripe” Service: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4870 not allowed for Chip to Chip Transactions under CLS: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Codes 4837 and 4863 not allowed for SecureCode Transactions: 100001: 400. Code 4871 chargebacks usually occur when a fraudster with a stolen credit card targets a merchant whose POS terminals don't support PIN entry or convinces the merchant to bypass the PIN requirement. Using the same link provided above, contact PayPal to report the scam. 3: Card-Present Environment. Controlling data access. S. This can provide important information to fight the dispute. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. So don’t spend another second worrying about chargebacks. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)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. 4802: Requested/Required Information Illegible or Missing. . 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. List and additional information about all reason codes by card brand. Account number not on file. On that note, below are some vendor missteps that could result in Visa reason code 13. Message. Definitions / Master card international. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. It is subject to change and may not include every currently known dispute reason code. 1 — EMV Liability Shift Counterfeit Fraud; Visa Chargeback Reason Code 10. 4870: Chip Liability Shift: None: Fraud: 4871: Chip/PIN Liability Shift: None: Fraud: 4807: Warning Bulletin File: None: Authorization: 4808. Managing vulnerability. Make sure customers know how to reach you and that they always get a quick response—leaving a message from an unhappy customer unanswered is always an invitation to a chargeback. Code 4808 refers to authorization-related chargebacks. 2 – EMV Liability Shift Non-Counterfeit Fraud. 10. These chargebacks occur to resolve chargeback-related disputes between network members. As chargeback time limits get shorter and shorter, automated technology will become more and more valuable. . All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. However, for simplification, they are divided into eight categories: Fraudulent activity; Authorization issues;. View Mastercard_Chargeback_Guide_4. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to. 4812. And according. Specify the invoice date and net due date to assign to chargebacks. 4870 Chip Liability Shift. Authorization. 4 spec (Section 8. The cardholder claimed to not have participated in or authorized a transaction. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. When a fraudster places a transaction using stolen payment credentials, it may result in a true fraud chargeback under this reason code. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. In other words, if you dispute the chargeback, the case may proceed directly to arbitration. Arbitration Chargeback/1442 Message - MasterCard. 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. Message reason code 4863 first chargebacks will be included in the FNS count once the FNS fraud chargeback count is two or greater. 2 — EMV Liability Shift Non-Counterfeit Fraud; Mastercard Chargeback Reason Code 4870 — Chip Liability Shift; Mastercard Chargeback Reason Code 4871 - Chip Liability Shift – Stolen Card; Amex Reason Code F30 — EMV Counterfeit Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. 1: EMV Liability Shift: 10. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. TB. Description. We would also like to see a user friendly way for merchants to report cardholders for felony theft and prosecution. . If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. The list of chargeback reason codes in this article is organized by card brand and type of dispute. Paymentology will submit the chargeback using the appropriate chargeback reason code . those with reason code 4871 (Chip Liability. 3. Visa Chargeback Reason Codes. “Visa has 28 different reason codes. 4880 . Chargebacks can be a costly part of accepting card payments and entail administrative. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. In simple terms, VCR introduced five definitive changes to the dispute resolution process: The timeframe for merchant response was shortened from 45 days to 30 days. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. EN. pdf from BIO 101 at Collège April-Fortier. The 4837 reason code allowed acquirers to provide alternate information when the originally-submitted payment information was incorrect. 11/03/15 Updated these MasterCard. . These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. Visa. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. 4853 – Cardholder Dispute – Credit Not Processed. UA01 Fraud – Card Present Transaction. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. 318 Interregional Message Reason Code 4870—Chip Liability Shift. 4860 Credit Not Processed. Some Mastercard reason codes (4808, 4870, 4871, and 4834) allow issuers to skip pre-arbitration and proceed immediately to arbitration. minimum chargeback amount of GBP 10 that is currently applicable in the United Kingdom for certain reason codes. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration chargeback. These are only a handful of common Visa chargeback reason codes. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Chargeback Guide28 April 2016. 4870. FRAUD. Please see the below “cheat sheet” for the new 4 byte reason codes. The use of this reason code indicates that the merchant did not obtain authorization approval for a transaction, or that the authorization request was sent after the transaction date. 2021. Click on “report a problem” and select the transaction in question. txt) or read book online for free. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831 Transaction Amount Differs 4834 Duplicate. 4807 – Warning Bulletin File. Acquirers may use message reason code 2870 (Chip Liability Shift) to invoke the chip liability shift as a final remedy to a chargeback initiated under message reason codes 4837 (No Cardholder Authorization). 02/10/16 Added Debit Chargeback Reason Codes. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. Chargebacks. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. Solutions available. 4853 – Cardholder Dispute – Goods or Services Not Provided. 4870: EMV Liability Shift. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. 4847. pdf), Text File (. 1 — EMV Liability Shift Counterfeit Fraud; Visa Chargeback Reason Code 10. 10. MasterCard ChargeBack Guide 20141030. PratikZanke. Removed 6. These numeric codes are varied by card network but serve. Each transaction or deal has a unique receipt no. Arbitration Chargeback/1442 Message - MasterCardCode 4807: Fraudulent Card-Present Transaction. To generate a chargeback, the issuer must submit the First Chargeback / 1442 message with the applicable message reason. Your chargeback response must include at least one of the following items: Proof the transaction was authorized and the valid card was not an EMV chip card. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. There are multiple claims such as. 6: Credit not. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. Transactions > Interregional Message Reason Code 4870—Chip Liability Shift > Proper Use of Interregional Message Reason Code 4870 Update first paragraph. Reason code: Explanation: 11. 1 chargeback: 1. 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. In the case of friendly fraud, that reason could be completely invalid and. 4863 Cardholder does not recognise. 9 Chargeback Message Reason Codes Updated wording in DE 72 (Data Record) section of table in section 3. 516 Improper Use of Intra-European Message Reason Code 4870. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Chargeback Guide (PDF) - MasterCard. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. 4:. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. This chargeback guide can be used as a sample guide when applying for credit card chargebacks. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. Create a manual or electronic imprint of each card-present transaction. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. 6). When any Chargeback occurs, that will be identified by specific code. This document reflects changes made since the 28 April 2016 publication. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. This could be due to a delay in processing the credit. 4: Fraud—Card-Absent Environment. This code collects all the. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. 4870 Chip Liability Shift; 4871 Chip/PIN Liability Shift; 4999 Domestic Chargeback Dispute (Europe Region Only). 26% - the number of chargebacks that result from undelivered orders.