Please see the below “cheat sheet” for the new 4 byte reason codes. Expedited Dispute Resolution forms will not be allowed. France saw a drop of roughly 50% during the same period. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. There are four primary phases to a Visa dispute: After Visa. The best way to counter them is to know them deeply. Description: Reason code for applying handling fee. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. 2 EMV Liability Shift. Common reason codes Mastercard. About American Express chargeback reason codes. By entering your email, you agree to receive marketing emails from Shopify. pdf), Text File (. Only an issuer can initiate the chargeback process. 7: Defective goods and. A chargeback can happen when a customer initiates a transaction dispute. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. The chargeback reason codes below explain why this happened. Issuer Review; Allocation. 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. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. A08 Authorization Approval Expired. As. This code collects all the. AT Authorization Noncompliance. There are 151 chargeback reason codes across the four major card networks. the requested documentation, your account will be debited. Code Reason (for Visa) 10. Additionally, Amex uses a fifth "Miscellaneous" category. It is caused by things like beliefs, opinions, morals, regrets, fear, and confusion. These codes can help a merchant with an inquiry or chargeback reversal. Discover. #9. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. Description. 4 falls under the “Processing Errors” category. Each chargeback is assigned a reason code that explains the justification for the chargeback. Request for Information. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. There is a USD 25 limit for the First Chargeback (Reason Code 22). It gets worse. Consumer Disputes. The shorthand description is “Late Presentment. By entering your email, you agree to receive marketing emails from Shopify. From there, the merchant can look up the code to figure out what the dispute is about. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. 9% with at least 100 total disputes. C04 — Goods/Services Returned or Refused The customer returned a product or service, but a credit was never processed by the merchant. Chargeback prevention strategies vary based on the reason for the. Time Frames by Chargeback Type and Reason Code The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type. Use this resource to prevent and fight chargebacks with greater accuracy. Discover - RG Non-Receipt of Goods, Services, or Cash. This is a fairly common chargeback reason that can. You will lose your case if it’s the wrong one. On that note, below are some vendor missteps that could result in Visa reason code 13. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective; American Express Reason Code C05 – Goods/Services Canceled; However, some reason codes are highly specific and apply only to a certain type of product, such as: Visa Reason Code 13. The third digit indicates the specific reason within that category. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. If you've determined the chargeback is meritless, and you know the reason code, below are the five stages of an effective chargeback representment. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. Having a Lax Attitude Toward Industry Rules & Regulations. The chargeback process can last from one month to six months. Each bank card network has its owner list of reason codes banks must prefer from. Most commonly the payer is a consumer. The issuing bank collects evidence from the customer and categorizes the chargeback using the appropriate, card network-specific, reason code. 3:Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. It's essential to respond within the. Click on “report a problem” and select the transaction in question. Updated Disputes/Chargeback Policy Coming April 20244853 – Cardholder Dispute – Credit Not Processed. Chargeback. FR4: Immediate Chargeback Program FR6: Partial Immediate Chargeback Program The Ultimate Dispute Management Resource. Amex Dispute Codes 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. See the definitions of the various chargeback codes you maybe receive during the chargeback process. With the right compelling evidence,. The reason for the dispute was false or inaccurate. Submitted: The response has been sent and the issuer is. 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. 4 Section . Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. EMV has been a mostly global standard since 2004. A reason code will be provided. Shopify has four status categories for chargebacks and inquiries: Open: No response has been sent yet and evidence can still be added. Invalid Reasons for a. The incorrect amount being charged. There are several reasons why many merchants turn a blind eye to suspected return fraud. MASTERCARD. Take the time to note the following dispute reason codes for Visa. The good news for those using Shopify Payments, the hundreds of reason codes and buckets them into eight. 3? Visa chargeback reason code 11. This definitive guide comes that chargeback reason codes from jeder of of four majority card networks. Chargeback. FR4: Immediate Chargeback Program. 3: Goods or services were not as described: C31: RM: 13. Unfortunately, it is pretty challenging to prevent friendly fraud. 3. EMV has been a mostly global standard since 2004. 1. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. Goods and services not as described or cardholder received defective goods or services 3. 7 • A transaction has been processed against a card number that is invalid because it does not exist, has not been assigned to an active cardholder account, or is otherwise incorrect. To subscribe and learn more about the free online chargeback management system, or contact Chase Paymentech Client Services at 1. The cardholder does not recognize the Merchant. American Express. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. Check with the issuing banks to determine what time limits may apply to you. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. 2 EMV Liability Shift Non-Counterfeit Fraud 10. 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 recurringChargeback or chargeback dispute: A claim against a transaction initiated by a customer with their bank, resulting in a forced payment reversal. One catch is that CE3. Reason Code 11. This can be a little confusing; Visa uses the term “dispute” in place of the term “chargeback. Check with the issuing banks to determine what time limits may apply to you. 0" or CE3. The chargeback initially results in the debit or credit card charge being reversed and the funds that you received for the payment being returned to the customer. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Documentation must be a direct result of cardholder communication. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. But if RDR receives a dispute about a Visa card transaction, it will instead consult the ruleset provided by the. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. 1: EMV Liability Shift Counterfeit Fraud: 10. The shorthand description is “Immediate Chargeback Program. 3. FR4: Fraud: Immediate Chargeback Program: This is a program that allows American Express to process any dispute immediately as cardholder. Acquirer Use of Message Reason Code 7623. 4 –. What is American Express chargeback reason code FR4? American Express chargeback reason code FR4 falls under the “Inquiry/Miscellaneous” category. 0 is to make the chargeback process more efficient, transparent, and fair. 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. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. • Removed reason code 4840 (Fraudulent Processing of Transactions) Chapter 1—General Information. FR4: Immediate Chargeback Program: American Express: Inquiry/Miscellaneous: FR6: Partial Immediate Chargeback Program: Discover: Fraud: UA01: Fraud – Card Present. Name (*) Email (*)Chargeback. Accessed October 31, 2022. The chargeback is ordered by the bank that issued the consumer's payment card. 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. But, merchants should be aware that, eventually, everyone will be required to use the new designations. Amex 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. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. This can happen to merchants in a high-risk credit card processing category. 4808 Authorization-Related Chargeback. Review your credit card processor’s policies to understand its chargeback dispute process. These are only a handful of common Visa chargeback reason codes. Here’s how. Charge Amount Exceeds Authorization Amount. The. Moreover, there are other two categories to handle the Amex chargeback: inquiry and chargeback programs. Summary of Changes, 13 December 2018Return fraud happens when consumers bring an item (or items) back to you to request a refund in the form of store credit or cash. These are all the known American Express chargeback codes. Chargeback Code: Type: Processing Error: P01: Unassigned Card Number: P03: Credit Processed as Charge: P04: Charge Processed as Credit: P05: Incorrect. 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. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. This definitive guide includes the chargeback rationale codes from each of to four major card networks. Chargebacks. While the updates have been published, they do not go into effect until Oct. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. For example, 10. So don’t spend another second worrying about chargebacks. You’ll earn Membership Rewards points, which you can redeem for any transactions. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Standard Threshold: Reaching a chargeback ratio of 0. 1. pdf - Free download as PDF File (. Additionally, Amex uses a fifth "Miscellaneous" category. paper processing and mailing costs. However, the return request is invalid, as the customer does not have a legitimate right to a refund for one reason or another. Reason Code North-America: Canada and United States of America; Reason Code:. Chargeback Reason Code. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. Notification of Fraud. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. 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. The issuer investigates. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. 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 recurringChargeback or chargeback dispute: A claim against a transaction initiated by a customer with their bank, resulting in a forced payment reversal. FR4: Immediate Chargeback Program: FR6: Partial Immediate Chargeback Program: F10: Missing Imprint: F14: Missing Signature: F24: No Cardmember Authorization: F29: Card Not Present:. “American Express Chargeback Reason Codes | Sift”. Ethoca alerts can prevent chargebacks before they hit your bank account. Availability Date: October 24th, 2021. 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. A02 No Valid Authorization. Understanding these codes is essential because they'll guide your response strategy. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. Visa ® has launched the CE 3. That said, looking up purchases using this number can make it easier to provide info following an. Always swipe the card once in the direction of the arrow shown on the reader. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Merchants who believe they have received an invalid chargeback under reason code 11. List of Chargeback Reason Codes. 3. For example, Mastercard has a code which indicates a ‘consumer dispute. 1. Versions Affected: v5, v6. Never swipe a card back and forth or at an angle, as it may cause the reader to misread the stripe. The third digit indicates the specific reason within this category. FR4: Fraud: Immediate Chargeback Program: This is a program that allows American Express to process any dispute immediately as cardholder. Codes are not often shared between issuers which means it can be difficult to remember the details of each. The win rate for this particular reason code is extremely slim because they generally refer to fraud issues. Solution. By entering your email, you agree to receive marketing emails from Shopify. Note: Fraud is generally the most common chargeback dispute reason. If the available information indicates that the customer dispute is a valid one, American Express will automatically debit your merchant account for the amount of the disputed transaction and will send you a chargeback notification for you to review. that the transaction was either approved online by the issuer or offline by the chip. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. chargeback: The buyer filed a chargeback with the credit card issuer. Authorizations. Chargebacks have both short and long-term ramifications for merchants. If you believe you have received an ACH return in error, you can contact your bank. Each time a consumer files a chargeback, the merchant is hit with a fee ranging from $20 to $100 per transaction. Try Shopify free for 3 days, no credit card required. Reason codes. The existing 22 chargeback reason codes will be replaced by new reason codes and grouped into 4 categories: 1. This will be referenced in the chargeback notice you received. non_receipt: The buyer claims they didn't get the goods or services. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. 3 falls under the “Consumer Disputes” category. . A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. American Express chargeback reason codes REASON ODE ENCYCLOPEDIA sift. How To Win. Cardholders and card issuers can place disputes on transactions for a variety of reasons including product returns, defects, cancelled reservations, and card processing errors. Chargeback reason codes. This ranges anywhere from roughly 60 to 90 days after purchase. 0. 975. 4: Fraud—Card-Absent Environment. Though the credit card networks have a vast choice of codes, loopholes still happen. 1 Merchandise/ Services Not Received. It’s even more frustrating if you don’t understand what the chargeback code means. 10 Tips to Prevent Fashion Chargebacks. 11. 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. The network hasn't wholly disallowed some old codes. reasonable and that the transaction did not exceed this amount range. Customer Dispute. 1 Card Recovery Bulletin or Exception File. The major card networks have unique reason code systems, and banks use separate tools. This can be transaction receipts, proof of. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. Learning about each of the chargeback reason codes can help you dispute them. These are only a handful of common Visa chargeback reason codes. 6: Credit not. The charge was flagged by the Amex Fraud Full Recourse Program. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. 3. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. 60 due to merchandise, fees, overhead, and other sources of loss. American Express reason code 155, Visa reason code 30, MasterCard reason code 4855, and Discover reason code 4755 are all specific reason codes for Shopify payment chargebacks. Having a Lax Attitude Toward Industry Rules & Regulations. 4812 Account Number Not On File. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. Jan 2020_Chargeback Reason Code Encyclopedia - Free download as PDF File (. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. 4807 Warning Bulletin File. Please refer to chapter 5 for more information. 10201. . Visa chargeback reason codes. Dispute Condition Description Dispute Condition Code Category Code Category Code Description; EMV Liability Shift: 10. There are a variety of issues that can serve as the root causes of a chargeback, ranging from fraud to improper card processing to dissatisfaction with the quality of the goods or services provided. 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. The tickets were held at the box office, and no signature, swipe or imprint. 2 Declined Authorization. The cardholder does not recognize the Merchant. Chargebacks are a problem that is growing worse across the board, and gas station. 1 Merchandise/ Services Not Received. Reason. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. Here are some chargeback reason codes by card type. 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. 101. American Express uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors as well as two additional categories, Inquiry/Miscellaneous and Chargeback Programs, to classify just a handful of reason codes. 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. Depending on the reason code, chargeback disputes may have different time limits. Discover is a credit card network and an issuing bank—just like American Express. ” This reason code is used when a cardholder disputes a transaction, and the merchant is currently enrolled in the American Express. What is Visa chargeback reason code 11. The cardholder may be the customer or the someone who lent their card to a friend or relative. The new reason codes follow a format of two digits, a period, then a third digit. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Each network’s reason codes, however, can beWith an eCommerce transaction, 3-D Secure technology works like an online PIN code. FR4 FR6 M01 M10 P01 P03 P04 P05 P07 P08 P22 P23 R03 R13 Select a code to see the details QUICK REFERENCE Time to respond: 20 days from date of chargeback. 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. “ Chargeback Fraud Threat Growing as 65% of Chargebacks911’s Respondents Reported an Increase in 2022 “. 105. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. C02 | C04 | C05 | C08 | C14 | C18 | C28 | C31. But friendly fraud is much more ambiguous. Therefore, 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. 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. 1. 9905. What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. How you respond is determined by the chargeback reason code: Embed This Graphic. This merchant program allows Amex to process disputes as soon as a cardholder files a chargeback. Assemble Your Evidence. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. As a merchant, your focus should be on finding and retaining customers--not chargebacks. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. Stage 1: First Chargeback. The first two digits indicate which category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. com. 0. An invalid chargeback is defined as an unnecessary or non-compliant payment dispute — a chargeback that shouldn’t have happened. “Visa has 28 different reason codes. Choose “chargeback and inquiry status” from the drop-down menu. Chargeback time frames - A specific period during which a chargeback can be raised. 65% with at least 75 total disputes. A reason code is how banks categorize the reason for a chargeback. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. Here the cardholder is claiming that you were supposed to provide them with a refund, but no credit has been applied to their account. The chargeback transfers funds from the acquirer to the issuer. 3. Every chargeback comes with a reason code. You should be. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. Assemble Your Evidence. 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. To obtain additional information, the issuing bank sends a retrieval request to the merchant’s bank. 1? Visa chargeback reason code 12. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. 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. FR4:. 3 No Authorization. Based on the information provided, Paymentology will investigate the transaction being disputed. If more information is needed, you’ll either receive an Inquiry or a Chargeback. This involves the cardholder’s bank serving as a mediator, rather than eBay. Batch chargeback process. FR4: Fraud: Immediate Chargeback Program: This is a program that allows American Express to process any dispute immediately as cardholder. Spot these types of chargebacks using the below reason codes. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. The reason_code field lists the reason code the issuing bank has assigned to the chargeback. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. Merchants. Documentation must be a direct result of cardholder communication. That’s 50% more time than what the major card networks allow. PCI DSS v3. F02. Truth is, only 30% of chargebacks involve criminal fraud. Scenario 1 — upfront chargeback. 1 Different workflows Disputes will be routed in two different workflows, called Allocation and Collaboration. txt) or read online for free. Mastercard has plans to follow suit. for chargeback reason code 4863 (Cardholder Does Not Recognize). Contact us here or call us at 1. 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). By entering your email, you agree to receive marketing emails from Shopify. Explanation. Encrypt transmission of. Reference these when rebutting cardholder disputes at your small business. Overview. Blog and Featured; Success Stories; Chargeback Reasoning Codes; BIN Look-up; eGuides and Reports;. Analyze your chargeback data. Typical reason codes are: BD: Bad debt DC: Damaged goodsOftentimes, the reason code assignment is based on limited knowledge and insight. View the entire list of reason codes below or search. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. SolutionsVisa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. 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. It makes sense that merchants would use any tool they can to prevent payment reversals, especially when it comes to true fraud. In this case, the customer files for the pre-compliance chargeback (aka reason code 98). Visa recently shortened chargeback time limits from 45 days to 30. ”. . Reason codes are important to help merchants address recurring. Once filed, the merchant generally has 20 days to respond to the chargeback. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. You can see a reason code 11. 11. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andAccording to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. 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 system does not accept blank as a value, even if it is defined in the user defined code table. Reason Code 53 Re-presentment Conditions. Paymentology will submit the chargeback using the appropriate chargeback reason code. Reason Codes Category 4: Processing Errors. Scenario 1 — upfront chargeback.