Response The new reason codes follow a format of two digits, a period, then a third digit. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. Complete Guide to Visa Compelling Evidence Update CE 3. by Colin O'Keefe Apr 16, 2022 Discover Chargeback Reason Codes Explained Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. Vantage HousePlease note that the most common Chargeback reason code for Allocation disputes is 10. Retrieval: A request initiated by a customer for more information about a charge. That sounds like trouble, no matter where you’re standing. 2 EMV Liability Shift. By entering your email, you agree to receive marketing emails from Shopify. A reason code is an alphanumeric code that explains the reason behind the dispute. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. While the format of chargeback reason codes. 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. 8/7/18 Updates to Debit Chargeback Reason Codes. Solution. They usually have up to 120 days after purchase to dispute a charge, though some card schemes allow up to 365 days. The largest extensive guide in chargeback motive codes. Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. 3 MasterCard Retrieval Reason Codes. The Discover chargeback reason codes list is just as extensive as the other major US card schemes, despite being the youngest and smallest of the four. Written by Chargeback Gurus. About Discover chargeback reason codes. 4. 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. Chargeback time frames - A specific period during which a chargeback can be raised. The reason codes are grouped into several broad. Written over Chargeback Gurus. Below you can find out what the reason of the chargeback in question is by the card brand. 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. That said, looking up purchases using this number can make it easier to provide info following an. Discover uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. If the customer’s story matches. Reason codes are important to help merchants address recurring. 4: . When card holders discover a criminal accessed their credit card data and used it to make fraudulent purchases, the customer may file a chargeback to recoup their funds. Chargeback prevention strategies vary based on the reason for the dispute. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. txt) or read online for free. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. Provide exemplary customer service. 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. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Card networks send these codes to merchants to indicate. Solutions. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. 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 Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. Global chargeback volume reached 615 million cases last year. And. To subscribe and learn more about the free online chargeback management system, or contact Chase Paymentech Client Services at 1. Chargebacks have both short and long-term ramifications for merchants. SolutionsCode 4807: Fraudulent Card-Present Transaction. . The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). 1. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. Discover Chargebacks / Disputes. 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. 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. Feel free to submit topic suggestions, questions or requests for advice to:. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from card• Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Write customer-friendly policies. 0. Card Brand Code Description Days to Dispute Dispute Category;. Solutions. 350 E Street, Suite 200 Santa Rosa, CA 95404. 3. Code 10. Even though these codes are not detailed enough, they are crucial when it comes to successfully preventing and fighting chargebacks. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Now, compliance cases must be submitted through Visa Resolve Online (VROL). 4. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. The reason_code field lists the reason code the issuing bank has assigned to the chargeback. 7. IN. 6. Chargeback . So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. By entering your email, you agree to receive marketing emails from Shopify. Each. The cardholder alleges fraud relating to a Card Present chip card transaction, including a cash advance. This process is called. Both EFM and ECM measure compliance at the MID level. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. Otherwise, the acquiring bank sends a chargeback notification. Reference these when rebutting cardholder disputes at your small business. The chargeback reason code. UA06. 10. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal. In most cases, you will have 20-45 days in which to respond to a chargeback. This ranges anywhere from roughly 60 to 90 days after purchase. Reason Code UA06 Category Fraud Claim The cardholder possesses a PIN-preferring credit card, but your POS is either not PIN-enabled or allows the shopper to bypass the PIN entry. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. 3. Visa chargeback reason codes are used to categorize the reasons for a chargeback. 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. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. There are tricks you might use to circumvent an. Specify the invoice date and net due date that you want the system to assign to chargebacks. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. The list of chargeback reason codes in this article. pdf), Text File (. 105. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Reason codes vary by card brand. 41 4841 Cancelled Recurring Transaction 53 4853 Not as Described or Defective Merchandise 57 4840 Fraudulent Multiple Transactions 62 4870/4871 Counterfeit Transaction Being familiar with the potential chargeback reason codes gives recurringThere are plenty of reasons as to why this would happen, hence the many. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. Be transparent about your products. Categories For Reason Codes. Code UA06 chargebacks are often caused by a fraudster with a stolen credit card targeting a merchant who doesn't have chip-and-PIN compatible payment terminals or convincing a merchant to bypass PIN entry. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. 5158. Key-in is chargeback reason key and get a detailed explanation of what i means, how to fight the chargeback, also how to prevent disputes in the future. Under Set Order Status, select None, Refund, or Chargeback. Fraud – Chip and PIN Transaction. Code. 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. 0 is to make the chargeback process more efficient, transparent, and fair. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason. A chargeback happens when a customer requests for a transaction to be reversed. Chargeback reason code 75 is issued when a card issuer receives a complaint from a cardholder stating that the name of the merchant that. Reason Code 12. Solutions. 4512:chargeback management with an easy to use online system. Other Fraud—Card Absent Environment. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. PM 4864 NF Non-Receipt of Case from ATM-Cancelled Recurring Digital Goods Transaction Cardholder Dispute 4866 UA05 4867 UA06&Fraud Chip Card Counterfeit Tranaction Fraud Chip and. 10. 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. This list was generated 5/4/2022. Only an issuer can initiate the chargeback process. 0) Digital usage logs; ContractsThe CB Reason represents the default reason for marking the transaction as a chargeback, but this default value can be changed. However, it is important to note that this reason code is based on the reason given by the customer to their bank. Reason codes vary by card brand. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37When the customer disputes a charge, the issuing bank then begins the chargeback process. France saw a drop of roughly 50% during the same period. At the same time, your account is debited for the chargeback amount, and the. Once you receive this notification, you have 11 days to submit a response. Chargebacks, also called payment disputes, occur when a cardholder contacts their bank (card issuer) about a transaction and tries to get them to issue a reversal of funds. Chargeback Reason Codes by Network - 2023 Guide. See the list of reason codes below: Card Network. To submit your documents to Wave, use the link in the chargeback notification email, or reply to the email. Here’s how your store can prevent and deal with chargebacks. Accessed October 31, 2022. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Another downside is that chargebacks on annual subscriptions. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. American Express chargeback reason code C42. EMV Liability Shift Non-Counterfeit Fraud. A chargeback is the potential outcome of a disputed credit or debit card transaction. 12/19/16 Corrected document formatting for MasterCard Reason Code 37. Category. The cardholder may be the customer or the someone who lent their card to a friend or relative. This authoritative guide includes the chargeback reason key from each from the four major card netz. FAQ: What is Chargeback Representment? TIPS. If the conflict can be settled, the acquiring and issuing banks do so. But friendly fraud is much more ambiguous. May 2011: 5. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. 00 EUR as a Withdrawal fee. CODE DESCRIPTION. Step 1: Identify the Source. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Discover uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. message. One catch is that CE3. Fight; Prevent; Recover; Resource. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. Solutions. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Mastercard Chargeback Reason Code 71: Disputed Amount. 6. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. Once filed, the merchant generally has 20 days to respond. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. Solution. Chargeback Reason Encrypted by Lattice - 2023 Guided. Get your complete. The most comprehensive direct toward chargeback reason encryption. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some. High Level Visa Chargeback Dispute Flow. A new 4 byte reason code will be used moving forward. Inform your acquirer of the date that the credit was issued. many chargeback reason codes that exist today. FR6 Partial Immediate Chargeback Program. To win a chargeback dispute as a merchant, you must have evidence that is compelling enough to persuade the cardholder’s bank to reevaluate the case. Try Shopify free for 3 days, no credit card required. For a brief overview of chargeback reason codes, refer to the table below. Fortunately, chargeback reason codes make it easy for merchants to understand the cause of chargebacks. “It’s a lot tougher with Mastercard because they only use four main codes. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. United States; 18167 US Highway 19 N; Clearwater, FL 33764; 877. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. 1. 1 Merchandise/ Services Not Received. Save conformance costs, prevent chargebacks, real improve customer satisfy. As soon as a customer requests a chargeback, their bank will reach out to the business’s bank and give them a heads-up that the chargeback has been requested. ’Visa Chargeback Life Cycle. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. 2. Reasons codes are composed of alphanumeric text attached by a bank when there is a chargeback to explain the reason for the chargeback. This is different than a refund. For example, Mastercard has a code which indicates a ‘consumer dispute. 9% with at least 100 total disputes. 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. Choose the representment amount. Specify the invoice date and net due date to assign to chargebacks. Each chargeback is assigned a reason code that explains the justification for the chargeback. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. Chargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. EMV Liability Shift Non-Counterfeit Fraud. All chargebacks start with a customer making a purchase in person, in an app, or online. "Stage 1: First Chargeback. By understanding the reason behind the chargeback, you can gather the necessary evidence to support your case effectively. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. Chargeback Reason Key by Network - 2023 Guide. 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. Number two: Product Not Received chargebacks. “Visa has 28 different reason codes. 4: Other Fraud–Card-Absent Environment. 4 Ways to Fight Chargebacks: Gather compelling evidence. FAQ: What is Chargeback. If you leave this processing. The reason codes help merchants understand the reason for particular chargebacks and better tailor their responses to chargebacks. . 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. 4. Using the same link provided above, contact PayPal to report the scam. Save conformance costs, prevent chargebacks, real improve customer satisfy. The cardholder initiates contact with their bank or credit union to file a dispute. non_receipt: The buyer claims they didn't get the goods or services. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—QuestionableChargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. “American Express Chargeback Reason Codes | Sift”. High-Risk (Excessive): Reaching a chargeback ratio of. The business has the chance to refute the chargeback. 2 Authorization Your for Original. com Europe. 3. However, they don’t address the reason why that chargeback was issued in the first place. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. ” The Amadeus Xchange Payment platform is used by more than 100 airlines to analyze, manage and optimize their complex global payment flows, across multiple sales channels. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. If you've determined the chargeback is meritless, and you know the reason code, below are the five stages of an effective chargeback representment. The most comprehensive guide to chargeback reason encryption. As both a credit card network and issuing bank, Discover places significant emphasis on customer satisfaction when handling cardholder disputes. Every chargeback has a reason code associated with it. View the entire list below or search for any reason code. September 2011: 5. Discover is a credit card network and an issuing bank—just like American Express. On that note, below are some vendor missteps that could result in Visa reason code 13. This indicates that the merchant didn't respond to an inquiry properly. Updated August 23, 2023. EMV has been a mostly global standard since 2004. Learn which strategies to use like you fight and eliminate consumer disputes to reason cypher. All ACH return reason codes consist of the letter “R” followed by two. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. Written by Jenna Acquaviva. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. 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. 4853 – Cardholder Dispute – Goods or Services Not Provided. The sales receipt and/or date and amount of the authorization if other than the transaction date. Visa Code # MasterCard Code # Reason. Visa, MasterCard, and American Express all list compelling evidence by reason code. UA02 Fraud: Card Not Present Transaction. Download this sample Chargeback Rebuttal Letter. Fraud. 3 Fraud – Card-Present Environment. This code helps you identify the exact cause of the dispute. FAQ: What remains Chargeback Representment? TIPS. The business has the chance to refute the chargeback. 1. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. EMV Liability Shift Counterfeit Fraud. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Proof the transaction was card-not-present. 11. Chargeback or chargeback dispute: A claim against a transaction initiated by a customer with their bank, resulting in a forced payment reversal. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. FAQ: What is Chargeback Representment?. STEP #7: Bank Review & Decisioning. 4 Funding Process. 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. Most commonly the payer is a consumer. We’ll Handle the Chargebacks. to obtain an Authorization Response for the Card Transaction ii the receipt of a from BUS MISC at Yeshiva UniversityThese chargebacks occur to resolve chargeback-related disputes between network members. Noted the roll up of reason codes 41, 55, 59 and 60 into 53 along with 53’s name change Chapter 4 Added invalid chargeback note for AFD for MCC5542 Chapter 4 Noted the roll up of reason codes 41, 55, 59 and 60 into 53 along with 53’s name change Chapter 4 Changed the name to reason code 53 and 59 Chapter 4Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. 4: 4863 Goods / Services Damaged or Defective. Other Fraud—Card Absent Environment. Your actions in response to such a chargeback will be determined by the particular circumstances, the most typical of which are described in the table below: If: Then: The transaction was cancelled and credit issued. 4 Section . 16, 2021. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. The card scheme receives the chargeback and forwards it to the acquirer. If the order was genuinely not as described, then the cardholder has a case. Pre-arbitration (pre-arb): When the customer challenges a chargeback won by the business for a second time. Be sure you understand the cardholder’s claim. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. VCR Dispute Reason Code 10. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Some credit card companies also include a short phrase describing the code and chargeback. Then you can research the transaction to see if the chargeback appears to be valid or not. Pro Tip: Prepare a chargeback representment template that you can edit per incoming disputes, and be sure to include. New Visa CE 3. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. Merchants who believe they have received an invalid chargeback under reason code 13. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. 2 Added chapter providing information about the DiscoverA chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. Dubbed "Compelling Evidence 3. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. For example, 10. The list of chargeback reason codes in this article is organized by card brand and type of dispute. 6: Duplicate processing/Paid by other means. Clerical The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. Visa Chargeback Reason Codes; Chargeback Management Software; Chargeback Reason Codes; Credit Card Dispute Time Limit; Mastercard Reason Codes; Bank Identification Number; CONTACT. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. 2/12/18 Changes to Visa information for VCR Pgs. By combining our travel and payment information with Chargeback 911’s specialist service, the industry can automatically spot and efficiently resolve disputes. manual processing by uploading chargeback documents instantly. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Chargeback reason codes can be confusing, especially since each. 800. 1. Understand the reason for the chargeback. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Chargeback Alerts: Your Best Defense Against Chargebacks. 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. 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. Duplicate Processing - 81There are over 80 unique return codes, and each one represents a different type of return. Visa Chargeback Reason Codes. 0 initiative to update compelling evidence requirements for dispute reason code 10. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. Visa groups its various reason codes into several broad dispute categories. List and additional information about all reason codes by card brand. Merchants can find a. The issuing bank reviews the information.