Chargeback Reason Codes

Mastercard and Visa Chargeback Reason Codes

A Detailed Description of Mastercard and Visa Chargeback Reason Codes

Each chargeback is accompanied by a reason code. These numeric codes differ by card network, but all theoretically serve the same purpose: to describe the motivation behind the transaction dispute.


Visa Chargeback Reason Code 41

Chargeback Reason Code 41: Cancelled Recurring Transaction

Each of the major credit card companies have their own set of chargeback reason codes. These reason codes — like Visa chargeback reason code 41 — are used to explain the cardholder’s grievance and help the merchant understand what led to the chargeback.


Visa Chargeback Reason Code 53

Chargeback Reason Code 53: Not as Described or Defective Merchandise

Chargebacks are designed to give card users peace of mind while buying services and merchandise with their credit cards. Visa chargeback reason code 53 is one example of the explicit ways in which chargebacks protect consumers and ensure accountability of merchants.

friendly  fraud

Chargebacks and “Friendly” Fraud

The American Dream has long powered the aspirations of citizens with the idea that you can be whatever you want to be, work wherever you see fit, and succeed. Some might argue that with the growth of eCommerce,


Chargeback Reason Code 60

*UPDATE 2-18-15*

The payment processing industry is constantly evolving and changing. New technologies and policies can quickly make previous practices outdated.
As of April 2013, Visa has discontinued the use of Visa chargeback reason code 60.

price match scam

Walmart’s Price-Match Scam

Price-Match Scam Targets Retail Giants Walmart and Amazon

Since the popularity of eCommerce shopping has skyrocketed, brick-and-mortar stores have struggled to compete. Recently, Walmart found a creative way to stay one step ahead of Amazon—their primary competition.

key enteredtransactions

Reduce Key-Entered Transactions

Chargeback Prevention: Reduce Key-Entered Transactions

For business owners with a brick-and-mortar store, chargeback prevention is fairly easy. Chargeback rates tend to be much lower for transactions made at a physical store rather than online.


When to Make a Code 10 Call

Preventing Chargebacks with Code 10 Authorization Request

Credit card fraud can occur in both card-present and card-not-present transactions. Generally, card-present transactions, which occur face-to-face, have lower rates of fraud--which means that fewer chargebacks result.

marketing chargebacks

Marketing Causes Chargebacks

When Your Marketing Causes Chargebacks

Marketing is an essential element for any business's success, but an ineffective tactic can just as easily become a liability instead of an asset. It's important for businesses to understand how bad marketing causes chargebacks and revenue loss.

social media

Social Media and Chargebacks

The Correlation between Social Media and Chargebacks

Social media not only shapes the way we interact with friends, it also impacts the way we do business. For this reason, business owners and marketing professionals need to be aware of how social media can help or hinder chargeback management.