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Chargeback Reason Codes
Visa, Mastercard and Amex chargeback reason codes — Visa Claims Resolution conditions, Mastercard’s current chargeback types and legacy codes, and Amex codes — with time limits, pre-arb deadlines and key evidence.
Follows Visa Claims Resolution · Mastercard Chargeback Guide · Amex dispute reason codesVisa 10–13; Mastercard 4808, 4834, 4837, 4849, 4853, 4870, 4871 plus legacy codes·verified Oct 2026· double-checked Oct 2026— condition names, categories and issuer time limits cross-checked against scheme and acquirer guides; contested mappings and single-source limits marked on the page
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Showing 24 of 24 codes
Acquirer: 30 days to respond to a dispute (your acquirer sets a shorter deadline for you). Time limit = the issuer’s limit to raise the dispute, usually from the processing date. Limits and remedies change with each rules edition — check the scheme’s current guide or your acquirer.
| Code | Name | Category | Time Limit | Pre-Arb | Key Evidence |
|---|---|---|---|---|---|
10.1 | EMV Liability Shift Counterfeit Fraud Counterfeit copy of a chip card used at a terminal that is not chip-capable | Fraud | 120 days | 30 days | Proof the chip was read (or the terminal was chip-capable and the card was not a chip card) |
10.2 | EMV Liability Shift Non-Counterfeit Fraud Lost, stolen or never-received PIN-preferring chip card used at a terminal that is not chip-and-PIN capable | Fraud | 120 days | 30 days | Proof of a chip-and-PIN transaction at a PIN-capable terminal |
10.3 | Other Fraud – Card-Present Environment Cardholder says they did not authorize a card-present transaction | Fraud | 120 days | 30 days | Proof the card was present (chip read or imprint) and the cardholder took part |
10.4 | Other Fraud – Card-Absent Environment Cardholder says they did not authorize a card-not-present transaction | Fraud | 120 days | 30 days | 3-D Secure authentication; Compelling Evidence 3.0 (two earlier undisputed transactions with matching device or IP data) |
10.5 | Visa Fraud Monitoring Program Issuer dispute on a transaction Visa identified under its fraud monitoring program (VFMP, folded into VAMP in April 2025) | Fraud | 120 days | N/A | Very limited: e.g. a credit was already processed |
11.1 | Card Recovery Bulletin Card was on the Card Recovery Bulletin and the transaction was not authorized | Authorization | 75 days | 30 days | Authorization approval for the transaction |
11.2 | Declined Authorization Transaction processed after the authorization was declined | Authorization | 75 days | 30 days | Proof of an approved authorization |
11.3 | No Authorization Transaction processed without a required authorization | Authorization | 75 days | 30 days | Authorization approval code |
12.1 | Late Presentment Transaction presented after the Visa time limit and the account is no longer in good standing | Processing Error | 120 days | 30 days | Proof the transaction was presented within the Visa time limit |
12.2 | Incorrect Transaction Code A credit processed as a debit, a debit as a credit, or a credit refund processed instead of a reversal | Processing Error | 120 days | 30 days | Proof the correct transaction code was used |
12.3 | Incorrect Currency Transaction currency differs from the one agreed, or DCC without the cardholder’s choice | Processing Error | 120 days | 30 days | Proof the cardholder agreed to the currency (e.g. DCC choice) |
12.4 | Incorrect Account Number Transaction processed to an incorrect account number | Processing Error | 120 days | 30 days | Proof the correct account number was used |
12.5 | Incorrect Amount Amount processed differs from the amount on the receipt or agreed | Processing Error | 120 days | 30 days | Receipt or record showing the correct amount |
12.6 | Duplicate Processing / Paid by Other Means Same transaction processed more than once (12.6.1), or paid by another method too (12.6.2) | Processing Error | 120 days | 30 days | Proof each transaction is separate, or that no other payment was received |
12.7 | Invalid Data Authorization obtained with invalid or incorrect data (e.g. wrong MCC or date) | Processing Error | 120 days | 30 days | Proof the authorization data was correct |
13.1 | Merchandise/Services Not Received Cardholder did not receive the goods or services (limit counts from the expected delivery date, at most 540 days) | Consumer Dispute | 120 days | 30 days | Delivery confirmation, signature, tracking, proof services were provided |
13.2 | Cancelled Recurring Transaction Merchant charged a recurring transaction after the cardholder cancelled | Consumer Dispute | 120 days | 30 days | Proof the cancellation was not received or the cardholder kept using the service |
13.3 | Not as Described or Defective Merchandise/Services Goods or services did not match the description, or were damaged or defective | Consumer Dispute | 120 days | 30 days | Proof the item matched the description; return refused or not attempted |
13.4 | Counterfeit Merchandise Cardholder received counterfeit goods | Consumer Dispute | 120 days | 30 days | Proof of authenticity |
13.5 | Misrepresentation Merchant misrepresented the terms of sale | Consumer Dispute | 120 days | 30 days | Proof the terms of sale were accurate and disclosed |
13.6 | Credit Not Processed Merchant agreed a refund but did not process it (limit counts from the credit voucher date) | Consumer Dispute | 120 days | 30 days | Proof the credit was issued, or that no credit is due |
13.7 | Cancelled Merchandise/Services Cardholder returned goods or cancelled services and no credit was issued | Consumer Dispute | 120 days | 30 days | Proof the return or cancellation policy was disclosed and not followed |
13.8 | Original Credit Transaction Not Accepted Recipient did not accept the original credit transaction (push payment) | Consumer Dispute | 120 days | 30 days | Proof the OCT was accepted |
13.9 | Non-Receipt of Cash or Load Transaction Value Cardholder did not receive cash from an ATM, or the full value of a load transaction | Consumer Dispute | 120 days | 30 days | ATM journal or proof the value was loaded |
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