Chargeback Reason Codes
The complete reference guide to chargeback reason codes across all major card networks.
What Are Chargeback Reason Codes?
When a customer disputes a credit card transaction, the card network assigns a reason code that explains why the chargeback was filed. Think of it as a short explanation that tells you what went wrong.
Each card network (Visa, Mastercard, American Express, and Discover) has its own set of reason codes. While the codes are different, they generally fall into similar categories:
- Fraud - The cardholder claims they didn't authorize the transaction
- Authorization - Issues with getting proper approval for the transaction
- Processing Errors - Mistakes made when processing the payment
- Consumer Disputes - Problems with products, services, or refunds
Understanding these codes helps you respond effectively to chargebacks and prevent them from happening in the first place.
Visa Chargeback Reason Codes
Visa's Visa Claims Resolution (VCR) system categorizes all reason codes into four categories, making it easier for merchants to identify dispute types and implement targeted response strategies.
Fraud
5 reason codes
Authorization
3 reason codes
Processing Errors
7 reason codes
Consumer Disputes
9 reason codes
Stop chargebacks before they happen
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