”. This data is used to detect stolen cards, identify unauthorized users, and thwart fraud attempts before a transaction can be processed. Once you hear from us, you’ll . such as a stolen card or identity theft. MATCH Reason Code Description; 01: Account Data Compromise An occurrence that results, directly or indirectly, in the unauthorized access to or disclosure of Account data. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue. What is Visa chargeback reason code 11. 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. This chargeback reason code was retired by Visa in April 2018. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. If the card wasn’t counterfeit, provide proof the POS processed a chip card transaction. The list of chargeback reason codes in this article is organized by card brand and type of dispute. Section5. American Express Chargeback Reason Codes: The American Express reason code system is divided into same four subheadings used by Visa, along with an additional “Miscellaneous” category. supporting documents that might reverse the. Use the horizontal scroll bar and arrows to view more details about each case. Linda finds it difficult to use the product as decides to dispute the transaction in the hope of winning the chargeback under the Reason Code C32: Goods/Services Damaged or Defective. What is Visa chargeback reason code 11. Mastercard Chargeback Reason Code 70: Chip Liability Shift. UA02 Fraud – Card Not Present Transaction. Reason. All American Express chargebacks (that had a successful retrieval request response) All Discover chargebacks (that had a successful retrieval request response) All Mastercard chargebacks (except reason codes 4808, 4870, 4871, and 4834) All Visa collaboration disputes; The following is a high-level overview of the process used in. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. 4 falls under the “Processing Errors” category. Required Authorization Not Obtained. It is important to check the time limit in chargeback reason codes because it determines how long a cardholder has to initiate a chargeback after a transaction has taken place. Charge Amount Exceeds Authorization Amount. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue. If the cardholder claims to have refused delivery, provide proof that the goods or services were accepted. R13 No Reply. 5? Visa chargeback reason code 12. American Express cardholders have 120 days from the date of the transaction to file a chargeback, whereas merchants only have 20 days to respond to an. 5 falls under the “Processing Errors” category. 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. American Express Chargeback Reason Codes: The American Express reason code system is divided into same four subheadings used by Visa, along with an additional “Miscellaneous” category. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the. She tries to reach to the merchant but is unable to due to lack of descriptor, so she decides to put a dispute on the account under the Reason Code F10: Missing Imprint. But cardholders and merchants have different time limits. What is Visa chargeback reason code 71? Visa chargeback reason code 71 falls under the “Authorization” category. 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. Scenario 2. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Address Verification Service, or AVS, is one of the most widely used payment card fraud prevention tools among merchants in the US. Crypto recovery is a process that parallels chargebacks for credit cards and wire recalls for bank transfers. 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. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. REASON ODE ENCYCLOPEDIA sift. Discover chargeback reason code CD falls under the “Services” category. 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. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. It is important for the merchant to know about the. Take the time to note the following dispute reason codes for Visa. If you lose your credit card or notice unauthorized charges on it, you can cancel it, contact the bank that issued the credit card and have your charges reversed and returned to you. Most such requests are made to. About Discover chargeback reason codes. According to Nilson, 56% of global card transactions were done on Visa in 2015. Based on the region in which you have set up American Express, you will receive reason codes from one of these columns:. About Discover chargeback reason codes. What is Visa chargeback reason code 41?. July 2011 Chargeback and Exception Processing Guide 3 The Chargeback Cycle The chargeback cycle generally takes place in four basic phases:. Reason Codes Category 4: Processing Errors. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. 6. About American Express chargeback reason codes. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. American Express uses unique codes to explain those reasons to merchants. When going for the American Express Merchant Services, you should gather as much information related to chargeback as possible. That is especially important if you made a card-not-present. 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. 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. For example, your trading name on the receipt differs to that on their statement. 4, 12. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. The alphanumeric code utilizes a letter to represent the section. have 20 days to respond. Code 4812 was used for transactions processed against invalid. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. 1: EMV Liability Shift Counterfeit Fraud: 10. 1 Case number: The unique number that is allocated by American Express to each individual enquiry or chargeback. He still submits it hoping to the charge approved, however, receives a chargeback under the Reason Code A08: Expired Authorization Approval. 6:. When a chargeback occurs, merchants have 30 days to initiate a representment request. American Express gives businesses only 20 days; Discover has a window of 20 days; Equally important is the need to understand why a chargeback has been initiated, which means you have to have at least a cursory knowledge of chargeback reason codes. Be aware that Cartes Bancaires chargebacks with reason code 45 are not defendable. The list of chargeback reason codes in this article is organized by card brand and type of dispute. Based on the region in which you have set up American Express, you will receive reason codes from one of these columns:. Simply click on the blue reason and code on any line item and a detailed description of the reason will appear. Section5. He orders a pair but delivery he finds out that it isn’t as per the description of. George goes to a convenience store and buys a sandwich. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. American Express Chargeback Reason Codes Fraud F10 Missing Imprint F14 Missing Signature F24 No Card Member Authorization F29 Card Not Present F30 EMV. American Express chargeback reason codes are divided into five. This code indicates that the cardholder claims a charge was posted to their account that was actually supposed to be a credit. This chapter provides information about the Discover Card chargeback process. American Express Chargeback Reason Codes. Each chargeback reason has its own, individual prevention techniques. Ideally, you want in prevent chargebacks in the first place over properly utilizing anti-fraud tools and gift easy cancellations. What is Mastercard chargeback reason code 4854?. Check Card A bank card that can be used with a PIN at an ATM or without a PIN at the point of sale, also known as an offline. Mastercard, and American Express. A01: Charge amount exceeds authorization amount. Region Only) 4855 Goods or Services Not Provided. Appendix A, "Terminology" This appendix provides definitions of various terms used in this guide. American Express Chargeback Reason Codes. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. American Express cardholders have 120 days since the date of the transaction in file a chargeback, whereas merchants only have 20 days to get to an examination. Second, like Discover American Expresses uses alpha-numeric chargeback reason codes. If the merchant has incomplete or missing signature, accept the chargeback. P03 – Credit Processed as Charge. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 1 Quick Reference Lead. American Express Chargeback Reason Codes. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. For Mastercard, the time limit is 45 days per phase, and with American Express, the response time frame is only 20 days per phase. What is Mastercard chargeback reason code 4860?. On the Initiate Retrieval request screen, the following chargeback reason codes are displayed in the Chargeback reason list: Chargeback Reasons. Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. Card Network Reason Code Detail; VCR Dispute Reason Code 10. FR6 Partial Immediate Chargeback Program. What is Mastercard chargeback reason code 4840?. M10 Vehicle Rental – Capital Damages. Pay Attention to Reason Codes. American Utter Chargeback Reason CodesWhat stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. ; Resources. Bitcoin Chargeback; Amazon Chargebacks; Google Pay Chargeback; Do You Need a CashApp Chargeback? What Is a Chargeback? Types of Chargebacks; Chargeback Reason Codes; Debit & Credit Card Disputes; The Chargeback Process; Chargebacks by Card Companies. 2: EMV Liability Shift Non-Counterfeit Fraud 10. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. 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. As both a card network the an issuer, American Express specifies 34 reason codes under the browse of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Category. ”. Mastercard chargeback reason codes are four numerals without decimals. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. How To Win. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. 104. About Discover chargeback reason codes. Be aware that Cartes Bancaires chargebacks with reason code 45 are not defendable. A Chargeback will be processed if: your reply is insufficient; you do not reply on time; or you authorize us. The alphanumeric. DESCRIPTION. His mom later finds out an unknown charge on her account and calls. What is Visa chargeback reason code 85? Visa chargeback reason code 85 falls under the “Consumer Disputes” category. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. 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. If the cardholder claims to have returned merchandise or cancelled. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. Be aware that Cartes Bancaires chargebacks with reason code 45 are not defendable. Reason. 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. What is Visa chargeback reason code 13. American Express. About Discover chargeback reason codes. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. American Express Draft Retrieval Reason Codes 19 Appendix E American Express Chargeback Reason Codes 32 Appendix F Discover Chargeback Reason Codes 41 . The American Express chargeback process starts with a Request for Information (RFI). Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 6124277. American Express chargeback reason codes REASON ODE ENCYCLOPEDIA sift. 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. Issuer is informed that the. Additionally, Amex uses a fifth "Miscellaneous" category. ” October 2022 Codes Reference Guide Region Codes on page 219 There have been new additions and deletions to the Region Codes table. What is Visa chargeback reason code 10. What is Mastercard chargeback reason code 4831?. EXIDRL–IKVFDLIONCFKNQLOFC AMEX CODE A01. PCI DSS v3. What is Mastercard chargeback reason code 4870?. About American Express chargeback reason codes. 4. What is Visa chargeback reason code 12. Call American Express Card Authorisations and report any suspicious Cards or Cardmembers. Learn more about American Express chargeback time limitsAutomate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. Hi, I searched for the info in the web and found that for American Express cards the M38 = Offset adjustment. Your chargeback response must include at least one of the following items: If the goods or services provided are the same as what was promised, provide copies of the written descriptions made available at the time of the purchase. What is Visa chargeback reason code 13. 2? Visa chargeback reason code 11. ”. The alphanumeric code uses a letter to denote the section, then a number to identify the specific reason; for example, “No Cardmember Authorization” is. Each American Express reason code has its own required documents needed to complete a chargeback reversal. Amex Authorization Chargeback Reason Codes A01 —. Amex Chargeback Reason Code FR2: Fraud Full Recourse Program Description. ”. 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. In certain cases American Express may issue an Upfront Chargeback. 6, "Chargeback Reasons" Added requirements for. chargeback reason code. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. And we know banks and credit cards. 1?. have 20 days to respond. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. In certain cases American Express may issue an Upfront Chargeback. Your chargeback response must include at least one of the following items: If you have proof the goods or services were not damaged or defective, provide evidence to refute the cardholder’s claim. What is Visa chargeback reason code 12. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Description. The two tables are displayed one above the other by default, showing the Adjustments. When you make an Amex chargeback claim, one of three things can happen. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. Code. The shorthand description is “Credit/Debit Processed Incorrectly. PP-004-815-667-339 Reason for Dispute: Other Chargeback Reason Code: M38 . MyChargeBack is a registered trademark and a trading name of Cactil LLC, registered in Delaware, USA under company registration no. When merchandise is picked up from your establishment, the American Express card should be presented, a valid signature, and imprint or swipe of the card obtained. P04 – Charge Processed as Credit. 101. P22 – Non-Matching Card Number. Send Me My Free Paperback Book! Back chargeback and pre-arbitration phases are not a standard practice with American Express. F09. Updated Disputes/Chargeback Policy Coming April 2024 Chargeback protection and potential incremental sales volume This. 6 falls under the “Consumer Disputes” category. Every chargeback has a reason code associated with it. Code 4807 was used to cover various authorization-related. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. If the merchandise or services provided were defective, provide proof. R03 Insufficient Reply. ”. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. Reason Code Reason Description; 45: Fraud -Disputed transaction:About Discover chargeback reason codes. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. Each American Express reason code has its own required documents needed to complete a chargeback reversal. , 1-800-528-4800), or online via their website or mobile app. The reason code of the RFI specifies why the cardholder disputed the transaction. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. P22 – Non-Matching Card Number. P04 – Charge Processed as Credit. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. (ACH) support article if you are looking for ACH Return Codes. Visa, Mastercard, American Express, Discover and Diners Club, and all other card networks, provide cardholders with chargeback rights. 8?. And, each code has unique compelling evidence requirements if you choose to fight. 6. Chargeback Reason Codes for AMEX. P05 – Incorrect Charge Amount. The shorthand description is “Other Fraud: Card-Absent Environment. Disputes with this reason code are still limited to a 120-day filing window. American Express received. What is Visa chargeback reason code 12. A Merchant Outlet is identified in the Global Merchant Chargeback Monitoring Program if it meets or exceeds all of the following monthly performance activity levels:. So, at this juncture, we join our clients on conference calls with the banks to explain the reasons why the chargeback should be approved, citing chapter and verse to justify our position. has disputed the transaction. American Express. 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. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. This could be due to a variety of reasons, such as technical issues, human error, or delays in shipping or receiving goods. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. Moreover, there are other two categories to handle the Amex chargeback: inquiry and chargeback programs. With that said, you still need to understand the reason codes with any chargebacks from Amex. Once filed, the merchant. 05 – Good Faith Investigation Chargeback;american express chargeback codes 21 REASON CODE 4554 Goods And Services Not Received (continued) Requirements to The Merchant may also submit one of following items as Compelling challenge a dispute Evidence: (continued) ° Evidence that links the person who received the goods or services to the Card Member, e. C‚A DFDLIONCFKNQLOFC. How To Win. The card’s service code specifies that the card is invalid for the transaction type. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks. What is Visa chargeback reason code 10. Each card scheme has its own time limits for chargeback disputes, which can range from 60 to 120 days from the transaction date. com 4. Looking for the opportunity his daughter Nia slips out his card and shops for her Prom night. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. P03 – Credit Processed as Charge. 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 most comprehensive guide to chargeback reason codes. Use the horizontal scroll bar and arrows to view more details about each case. M01 Chargeback Authorization. ; Resources. 102. Call Merchant Customer Services for further assistance. 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 is valid. You can learn more about each one by visiting the Mastercard Chargeback Guide. The most comprehensive guide to chargeback reason codes. ”. Discover and American Express both issue their own credit cards. If you have already processed a refund for the transaction in question, provide. In most cases, American Express cardholders can file a chargeback up to 120 days after the transaction occurs. com 14. 2?. American Express. But sometimes chargebacks happen anyway, both it’s important to understand what to expectant. ”. F10. This is a kind of identification service done by Amex when it receives a cardholder’s dispute based on actual fraud. American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. ; Resources. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. 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. If a Cardmember questions a transaction on their statement, we may contact you to get some further information on the transaction. Visa Chargebacks;. If more information is needed, you’ll either receive an Inquiry or a Chargeback. 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. They do so because they have come to rely on the state-of-the-art forensic blockchain tools that MyChargeBack employs, as well as the analyses we compile that trace the path that cryptocurrency takes through the blockchain. 4. Thus, the easiest way to prevent chargeback reason code 75 from being. 4 — Other Fraud: Card-absent. INQUIRY A notification you receive if a Cardmember disputes a charge from your business and we cannot resolve it using the documents we have on file. American Express. Visa and American Express, in most cases, give merchants 20 days. Overview. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. The start date for that window can vary, though. 1Here is what a chargeback response should look like for American Express Reason Code C08, when the transaction was made in a CNP environment and digital goods were purchased: Page 1: Summary of evidenceLike American Express, Discover may or may not send an inquiry before filing a chargeback, in which case merchants have 20 days to respond. If the merchant feels the chargeback has been issued in error, there is the opportunity for a chargeback reversal. Chargeback Reason Codes List for American Express. Pega Foundation for Healthcare. Code Reason (for American Express) A01: Charge Amount Exceeds Authorization Amount: A02: No Valid Authorization: A08: Authorization Approval Expired: C02: Credit Not Processed: C04: Goods / Services Returned or Refused: C05: Goods / Services Cancelled: C08:American Express Reason Code C14. 2 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. You’ll earn Membership Rewards points, which you can redeem for any transactions. American Express Chargebacks / Disputes. If the merchant provided illegible copy and an enquiry is related to a fraud. The most comprehensive guide to chargeback reason codes. Or, the cardholder tried to cancel the transaction but was unable to. About Discover chargeback reason codes. documents before the deadline. FR4 Immediate Chargeback Program. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Fraud Chargeback Codes: 10. Each card network—Visa, Mastercard, American Express, and Discover—defines and maintains their own unique set of reason codes, which are applied to disputes by the banks that issue credit and debit cards under their brands. 7? Visa chargeback reason code 12. Description. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of Fraud, Not. The shorthand description is “Declined Authorization. Removed Revolution Card section and retired reason codes. 4808: This code can refer to: Account Number Not on File. About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. ” • Clarified that the timeframe in Argentina is five (5) days. 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 is valid. American Express Chargeback Clock Limits: The 2023 Guide. One of the best things a merchant can do to keep their customers happy. The most comprehensive guide to chargeback reason codes. What is Visa chargeback reason code 53?. 103. Documentation SetAmerican Express Chargebacks / Disputes. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. An easy way to check the status of your Disputes or Chargebacks is to log into your Merchant account at americanexpress. has disputed the transaction. American Express Reason Code C02. American Express cardholders have 120 days from the date of the transaction to file a chargeback, whereas merchants only have 20 days to respond to an inquiry. The card is in a registered positive authorization account range (service code X2X). About American Express chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Chapter 3: Chargeback Reason Codes Guide; Chapter 4: American Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Reason Codes; Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10:. Only send batches one time. Reason Code 12. Based on the region in which you have set up American Express, you will receive reason codes from one of these columns:.