The U. Standard Threshold: Reaching a chargeback ratio of 0. American Express chargeback reason code C31 falls under the “Card Member Disputes” category. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized face-to-face. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. 12. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. 5: Visa Fraud Monitoring Program. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. VCR Dispute Reason Code 10. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. It balances out the process and gives merchants the much-needed opportunity to influence the progression of a dispute before it becomes a fully-fledged chargeback. 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. message. Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. UA05 Fraud – Chip Counterfeit Transaction. 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. Return fraud happens when consumers bring an item (or items) back to you to request a refund in the form of store credit or cash. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. UA06 Fraud – Chip and PIN Transaction. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. They can also be caused by a merchant failing to process a cancellation promptly. 3: Goods or services were not received: C08: RG: 4855: 13. Card networks send these codes to merchants to indicate why a chargeback has been filed. Counterfeit Fraud Chargeback Condition All of the following: • The cardholder contacted the issuer. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Whenever an incorrect account number is processed, or the. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. 2. com But it’s important that you make sure: your full case ID is detailed in the document name and the subject. 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. Only an issuer can initiate the chargeback process. Reason codes vary by card brand. Knowing these codes can help you dispute chargebacks more effectively. 54 - Expired Card. Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. While the format of chargeback reason codes. Chargebacks. 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 . This code indicates the merchant made a swiped or keyed transaction with a counterfeit card rather than scanning the EMV chip. Mastercard chargeback reason code 4871 is one of the numeric labels assigned by banks to customer disputes, indicating the given reason for the claim. Cardholder-Activated Terminal (CAT) 3 Device. Updated the following columns - card type, response due date. Always ask for authorization regardless of the transaction amount. American Express is incentivized to keep their customers happy. The first thing to understand is that not all chargebacks are the same. The shorthand description is “Late Presentment. 18167 US Highway 19 N Clearwater, FL 33764 877. 00. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. What are the odds a merchant will “win” the chargeback dispute? The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. This list was generated 5/4/2022. 51 - Insufficient Funds. Proof you have already refunded the transaction and credited the cardholder’s account. Cause. 41 Reason Code 72: No Authorization. ; Help Center Find answers to common questions about Midigator’s technology,. S. 3 is the less common version for card-present transactions. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. Next, the issuer passes along all information about the dispute, including the chargeback reason code, to the card network. While there are many chargeback reason codes, all chargebacks fall into one of three categories: Step 4: Card Network Collects Dispute Information. Documentation must be a direct result of cardholder communication. 2 falls under the “Processing Errors” category. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. 70: Account Number on Exception File: 71: Declined Authorization: 72: No Authorization Obtained: 73: Expired Card: 74:Mastercard chargeback reason code 4871 is one of the numeric labels assigned by banks to customer disputes, indicating the given reason for the claim. Visa Chargeback Reason Code 70: No Verification/Exception File Description The buyer’s bank received a transaction that was below the merchant floor limit and. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. Each card network maintains reason codes to cover all the disputes that qualify for. Acquirer Use of Message Reason Code 7623. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. The sales receipt and/or date and amount of the authorization if other than the transaction date. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Ethoca alerts can prevent chargebacks before they hit your bank account. 12. Tim Tynan. M49 Vehicle Rental – Theft or Loss of Use. It was originally just one facet of legacy reason code 81. 1 occurs when the merchant didn’t request authorization (typically because the amount was below the floor limit), and the account number was listed in the Card Recovery Bulletin. Information on proper voice authorization procedures may be needed for ‘referral’ responses. This reason code is assigned when. 70% + 10¢ Visa Credit Card. Transaction Amount: Decimal 0. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. Chargeback Representment. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. For each reason code, a definition isReason codes. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. 11, 16. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. 1=1010,. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment). 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. When one cardholder initiates a dispute with their issuing. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. . The merchant didn’t: Issue a refund for canceled or returned merchandise. This will be referenced in the chargeback notice you received. 4 is an updated version of legacy reason code 77, which was phased out under the Visa Claims Resolution initiative. UA02 Fraud – Card Not Present Transaction. 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. In the case of friendly fraud, that reason could be completely invalid and. 1Chargeback Reason Codes by Industry. ” This indicates a transaction was processed using a card that Visa listed as stolen or counterfeit. By understanding the reason behind the chargeback, you can gather the necessary evidence to support your case effectively. 0 is to make the chargeback process more efficient, transparent, and fair. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. Each card issuer follows their own standards for defining reason type, code and its format. If the chargeback is in the customer’s favor, the bank reverses the transaction and debits the business’s acquiring bank instead of crediting itA dispute often has a reason code associated with it. The aim of CE 3. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. Other reasons for a “not as described” chargeback can include merchandise that was damaged or defective. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. 0 rule changes take effect April 15,. Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment) 2. SecureCode also includes another important benefit just for merchants: if fraud is reported on a transaction that was authenticated with SecureCode. Not remembering the original purchase. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. With an eCommerce transaction, 3-D Secure technology works like an online PIN code. For example, some reason codes offer cardholders over a year to file. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. The first liability shift went into effect in October 2015 and covered almost all card-present transactions except for those that take place at ATMs and gas pumps. non_receipt: The buyer claims they didn't get the goods or services. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Older time limits for disputes vary based on reason code; in many cases buyers have 120 days after a purchase to file a chargeback. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. Below are the top causes of chargebacks including the reason codes established by leading credit card companies: Customer Dissatisfaction: Cardholder did not receive the items/service purchased, the products/services were not as described and/or product (s) was damaged or otherwise defective. 0 initiative to update compelling evidence requirements for dispute reason code 10. This chargeback occurs when goods and services did not obtain authorization for the particular transaction exceeding the goods and service’s Floor Limit. So don’t spend another second worrying about chargebacks. Here's a list of all the current Visa reason codes: Chargeback Code. Here are just a few of the most. The list of chargeback reason codes in this article is organized by card brand and type of dispute. American Express chargeback reason code C42. Reason codes are very crucial to assist. 3: Goods or services were not as described: C31: RM: 13. These may impact the dispute time limits. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. Visa Chargeback Reason Codes; MasterCard. MasterCard does not have an equivalent reason code. It can range from 60 to 120 days from the billing date. Early Warning: Reaching a chargeback ratio of 0. Early Warning: Reaching a chargeback ratio of 0. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. For example, 'R04' indicates that an invalid account number was provided. If you leave this processing. 2: Canceled Recurring Transaction, is used when a cardholder claims a recurring transaction was processed illegitimately. 0 & above Screen Resolution To make the best use of URCS, we recommend a monitor of 1024x768 pixels or higher,. 5 Visa Fraud Monitoring ProgramThe chargeback debit usually occurs a few days after you receive the NoC. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. compliance process depending on whether a chargeback right exists. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. With that said, you still need to understand the reason codes with any chargebacks from Amex. 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 general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. Reason Code 81: Fraud. By entering your email, you agree to receive marketing emails from Shopify. ECM monitors first presentment chargebacks regardless of reason code or transaction type. 3: Goods or services were not received: C08: RG: 4855: 13. The reason code. Visa chargeback reason code 75 is filed as an honest mistake. 6. Specifically, these updates only pertain to transactions that are charged back after Oct. This chargeback occurs when merchants do not adequately provide currency information. For example, 10. 2 Merchants who believe they have received an invalid chargeback under reason code 13. Take the time to note the following dispute reason codes for Visa. Values are: Blank: Use the receipt G/L date. 4853 – Cardholder Dispute – Goods or. If you believe you have received an ACH return in error, you can contact your bank. France saw a drop of roughly 50% during the same period. 2 falls under the “Processing Errors” category. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. A few reason codes allow for shorter timeframes. Each code begins with 'R' followed by a two digit number. Step #2 | Report the Scam to PayPal. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. 2. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Cardholder can dispute transaction up until Day 90 for reason code 4808 on MasterCard (see Appendix for details), Day 60 for reason codes 4801 and 4802 (see Appendix for details). Chargeback reason codes identify the general reason behind a chargeback. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. A chargeback is a reversal of funds following a debit or credit card purchase, set in motion when the customer files a dispute over the charge with their bank or credit card provider. Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)There are over 80 unique return codes, and each one represents a different type of return. Card Recovery Bulletin Authorization Visa Code: 11. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. New Visa CE 3. 9% with at least 100 total disputes. 11, 16. 2 EMV Liability Shift. . Technical. 70. ”. The shorthand description is “EMV Liability Shift Counterfeit Fraud. FR4 Immediate Chargeback Program. A new 4 byte reason code will be used moving forward. Department of the Treasury publishes Check 21 Return Codes. Chargeback reason code 13. 4. All ACH return reason codes consist of the letter “R” followed by two. ”. Ethoca alerts can prevent chargebacks before they hit your bank account. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. 4: Other Fraud – Card-Absent Environment. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Chargeback Reason Codes. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. The transaction should have been terminated. Overall returns (all codes): 15%. M01 Chargeback Authorization. You may know that every dispute you receive is attached to a chargeback reason code. The most comprehensive guide to chargeback reason codes. At Visa they used to receive reason code 98. Process a canceled guaranteed reservation properly. There are many chargeback codes that MasterCard uses in order to organize and streamline its chargeback process. 70. The following are some examples: Visa Reason Code 13. Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10: Arbitration; Chapter 11: Fraud filters; How to Create the Best Chargeback Responses. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. Which is meant to know the reason for the dispute. Chargeback reason code 75 is issued when a card issuer receives a complaint from a cardholder stating that the name of the merchant that. . This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. The Allocation workflow applies to any chargeback assigned a “Fraud” or “Authorization”. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. 0. Everyone has had the experience of buying. The customer is claiming that this purchase was not authorized. Chargeback reason code 10. High-Risk (Excessive): Reaching a chargeback ratio of. There are plenty of reasons as to why this would happen, hence the many. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. American Express . What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. The reason code should clue you in to which documents are needed. 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. Chargeback Guide (PDF) - MasterCard. While the format of chargeback reason codes varies depending on the card network, all codes are. Try Shopify free for 3 days, no credit card required. 1. While the format of chargeback reason codes varies. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. 634. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. Mastercard Chargeback Reason Codes. Merchant processed transaction below floor limit without authorization. MasterCard: Reason Code 4859 Services not rendered. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Chargeback reason code 12. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. Also, just like American Express, Discover functions as both a card network and an. Description. For example, most cardholders can only file a chargeback within 120 calendar days of the initial transaction. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Chargeback reason code 13. In that case, Chargeback Reason Codes is a set of alphanumeric. R13 No Reply. of all chargebacks recovered. FR4 Immediate Chargeback Program. 1 Quick Reference Lead. Also, remember that the time frame for your response includes any processing required by the acquirer. The charge you submitted did not receive a valid authorization approval code for the amount of the. 65%: 4. Depending on the code, that could mean gathering proof of authorization, signed receipts, proof of delivery, email correspondence and/or the cardholder’s IP address with transaction date and time for online purchases. VISA CHARGEBACK REASON CODE 70 De*****ion Media Required No Verification/Exception File Merchant completed a transaction after receiving a negative account number verification, or An authorization was not required, but the account number was listed on the Exception File with a pick-up response and the merchant did not obtain. This ranges anywhere from roughly 60 to 90 days after purchase. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. 1: Various content edits. Code 13. Discover: Reason Code 4755 Non-receipt of goods or services. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. 2 Compliance CasesThe good news is, the chargeback reason code should give you a great indication of where to start. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. Specify the default reason code to. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Updated Disputes/Chargeback Policy Coming April 2024Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. Visa chargeback reason code 70 falls under the “Authorization” category. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. Each card network has their own set of chargeback policies and reason codes, and they frequently change them. Consumer disputes, including processing errors. com shows that more than a. 3. Encrypt transmission of cardholder data. These codes are established by the payment brands to categorize the incoming dispute requests by reason. ”. The purpose of reason codes is to help merchants realize the intent of a consumer’s dispute; however, if they are attempting to obtain goods/services for free, they do not provide any meaning. Thus, the easiest way to prevent chargeback reason code 75 from being filed is to use a billing descriptor that is easily recognizable. It covers topics such as chargeback rights, time frames, reason codes, arbitration and compliance. Description of Change Where to Look Updated Chip Liability Shift table elements Second Presentment Condition bullet #2, Supporting Documents and DE 72. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. Use this guide as a quick resource for Visa chargeback reasons at a. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. M10 Vehicle Rental – Capital Damages. Responding to Mastercard Reason Code 4853 Chargebacks. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. 00, an authorization should be requested for $70. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. What is a chargeback fee? A chargeback fee is a non-negotiable fee, charged to merchants each time they receive a chargeback. Chargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. 1: Use the corresponding dates from the invoice. 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. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Each code begins with 'R' followed by a two digit number. The newer system is designed to. 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. 7: Defective goods and services: C32: RM: 13. Dec 6, 2021 — Betty's bank issued the chargeback for $9. 7 falls under the “Consumer Disputes” category. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Floor limits are typically specified in merchant processing agreements, and the exception file is part of the merchant banks or the merchant account providers transaction. Chargeback. This chargeback may be inverted, if the merchant provides sufficient information such as the transaction date, a valid authorization code or a proof that a credit was issued. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. Reason Code 53 re-presentments must be. for chargeback reason code 4863 (Cardholder Does Not Recognize). Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. This provided a number of insights into the typical causes of subscription chargebacks by industry: Computer Software : Cancelled Services was the most common chargeback reason code, which is troubling because these should be easily avoidable disputes. If a dispute has a strong enough basis to warrant a chargeback, Discover will send a chargeback notice to the merchant along with the reason code for the chargeback. 110. 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 Mastercard chargeback reason code 4870 falls under the “Fraud” category. Chargebacks with the following reason codes are requested due to fraudulent activity. ©Updated August 23, 2023. Under Visa Claims Resolution, the Visa dispute process is split into two different tracks, each with its own requirements. For example, a debit may have been processed instead of a credit, or a credit processed instead. 3. But, merchants should be aware that, eventually, everyone will be required to use the new designations. This provided a number of insights into the typical. There are some exceptions on the cardholder’s side, though. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. 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. 2. Check the chargeback reason code. 1=1010,. Mastercard Chargeback Guide is a comprehensive document that explains the rules and procedures for resolving disputes between cardholders, merchants and issuers. In fact, the same thing could be said of other chargeback reason codes, too. The standard chargeback process involves eight steps: Retrieval request: The card-issuing bank requests that the acquiring bank provide additional information for a given transaction. Here are some chargeback reason codes by card type. Oftentimes, the reason code assignment is based on limited knowledge and insight. Both EFM and ECM measure compliance at the MID level. Some of the reasons why the order did not reach the cardholder can be as follows: The merchant did not provide the services;Reason Code 53 Re-presentment Conditions. Valid chargeback reason codes are defined in UDC 03B/CB.