With the right compelling evidence,. Required Authorization Not Obtained. . It indicates that the merchant has not properly deposited the transaction amount within the card network’s acceptable time frame and a chargeback will be issued as a result. Either the acquiring or issuing bank could initiate the. While the format of chargeback reason codes varies depending on the card network, all codes are alphanumeric. Here’s how your store can prevent and deal with chargebacks. Reason Codes Category 4: Processing Errors. The list of chargeback reason codes in this article. This means providing evidence that will undermine the cardholder’s claim. Each code corresponds to an issue or problem. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Thanks for following the Chargeback Gurus blog. This document reflects changes made since the 28 April 2016 publication. Note. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. 0 only applies to reason code 10. Updated Visa Reason Codes. Chargebacks Explained;. You can check on the status of your dispute by following these steps: Login to your Chime mobile app. 1 A reason code or a chargeback reason code is a string of symbols (numbers and letters). Attach a copy of the statement (printscreen from the Internet banking might be the easiest). For example, the merchant bills the cardholder in installments. Chargeback codes Last updated: August 16, 2023 Below you'll find a list of chargeback codes along with an explanation of what each one means, covering both. Domestic Chargeback Dispute (Europe Region Only): A centrally acquired domestic transaction,. Visa anticipates that changes to the required up-front information will help eliminate the back-and-forth between merchant, acquirer, and issuer, intending to result in a quicker chargeback resolution time for our merchants. Below is a list of Mastercard chargeback codes used in eCommerce. You’ll put that reason code, the transaction amount and authorization number, and state that the. Fraudulent Activity. 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. 7. . Reason code 83 represents a chargeback categorized as. Versions Affected: v5, v6. 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. Check with the issuing banks to determine what time limits may apply to you. 15, 2021. . Subsection5. Updated these Visa Chargeback Codes: 30, 62, 85. The Chargeback Reason is fraud-related and the Chargeback Notice identifies that one of the below chargeback codes (each, an "Acceptable Reason Code") applies: Acceptable Reason Codes. This provided a number of insights into the typical. Chargeback reason code 75 is issued when a card issuer receives a complaint from a cardholder stating that the name of the merchant that. Description of Change Where to Look Corrected the calendar days for the AuTo help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. 11, 16. Ethoca alerts can prevent chargebacks before they hit your bank account. 4853 – Cardholder Dispute – Goods or Services Not Provided. Double-check calculations and transactions before finalizing them. Cause The merchant. Tap “View Details. View the entire list of reason codes below or search. Administrative returns (R02, R03, R04): 3%. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. 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. Learn the details, the cause, how to respond and how to prevent Mastercard Reason Code 4999 Domestic Chargeback Dispute (Europe) . The chargeback can be for the total transaction amount or a lesser amount. Reason Code 81: Fraud. 2. . instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Discover is a credit card network and an issuing bank—just like American Express. 0: Updated report version from 1. 1. Chargeback reason code 11. Discover. 2 Compliance CasesShopify Payments Chargeback Reason Code #5: Product Not Delivered. Acquirer Use of Message Reason Code 7623. It is subject to change and may not include every currently known dispute reason code. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)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. . Replaced Chapter 1, Processing Procedures— MasterCard Dual Message System. The shorthand description is “Incorrect Account. Terms and conditions. 5600–5699. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involving The new reason codes follow a format of two digits, a period, then a third digit. Description of Change Where to Look Corrected the calendar days for the AuThe problem continues to grow out of control with each year. Having a Lax Attitude Toward Industry Rules & Regulations. 6, "Chargeback Reasons" Added requirements for each Chargeback Reason code. Request for Information. Sent them an email saying that you would like to request a chargeback for the duplicate transaction; quoting MasterCard Chargeback Reason Code 4999. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. There are four general chargeback code categories: Fraud; Quality; Clerical; Technical; Fraud. Technical. Attach a copy of the statement (printscreen from the Internet banking might be the easiest). Summary of Changes, 10 May 2016. Try Shopify free for 3 days, no credit card required. 3? Visa chargeback reason code 13. Maestro. . Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Improve chargeback-resolution time. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). 11, 16. On the home screen, tap “Disputes. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. Chargebacks—Maestro POS Transactions—added information to the section, Proper Use of Intra-European Message Reason Code 4808, about the ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. However, Shopify has whittled down these 100+ reason. This guide is updated regularly to reflect the latest rules and. . That said, looking up purchases using this number can make it easier to provide info following an. 2 – EMV Liability Shift Non-Counterfeit Fraud. Each network’s reason codes, however, can beFurther information at page PSR-564, 11. 3: Goods or services were not received: C08: RG: 4855: 13. Code. Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that includedThe chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Reason code: Explanation: 4853 - Cardholder Dispute:The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Chargeback. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that includedClearing. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. Network Processing ® ©instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. REQUEST A DEMO. Across open networks and include account numbers sent over email, instant messaging, text, or chat. T01: We have provided proof that the ticket(s) were. 4999: Domestic Chargeback Dispute (Europe Region Only) Point-of-Interaction Error: 4853: Cardholder Dispute: Cardholder Disputes: 4841:Goods / Services Damaged or Defective. Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that included Clearing. In the distribution industry,. Learn the details, the cause, how to respond and how to prevent Mastercard Reason Code 4999 Domestic Chargeback Dispute (Europe) . 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. It is associated with a chargeback reason code, and it is specific per Card Scheme. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. 1: Fraud (10) EMV Liability Shift Counterfeit Fraud: 10. “American Express Chargeback Reason Codes | Sift”. The main chargeback reasons look like this: Malicious fraud. Chargeback reason codes. Simplify reason codes; Let’s look at each of these objectives a little more closely. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. Sobald wir eine Chargeback-Meldung erhalten, leiten wir diese unmittelbar an Sie weiter. What is Visa chargeback reason code 13. Bhimrao Ambedkar Mahavidyalaya. The existing 22 chargeback reason codes will be replaced by new reason codes and grouped into 4 categories: 1. 11, 16. 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. Step 1: The cardholder disputes a charge. . This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. 11, 16 November 2015, Elimination. The incorrect amount being charged. 11, 16. The transaction amount and authorization number (ARN. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvinginstead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Unauthorized returns (R05, R07, R10, R29, R51): 0. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. A chargeback is a reversal of funds following a debit or credit card purchase, set in motion when the customer files a dispute over the charge with their bank or credit card provider. These codes are given by the card issuer at the point of time that the customer disputes a given transaction. 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. Summary of Changes, 10 May 2016. 4: Fraud—Card-Absent Environment. They made a transaction with a counterfeit card at a non-EMV terminal. In short: capture is the point at which you get paid for a sale. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. These codes are notoriously inaccurate; in fact, first-party fraud is predicated on reason codes being inaccurate. 1. 2 EMV Liability Shift. 0 to 5. UA01 Fraud – Card Present Transaction. . chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Timeframe: Under card network rules, a cardholder has up to 120 calendar days from the settlement date to initiate a chargeback (depending on the chargeback reason code). 2 chargeback if you override a declined, referral, or pickup authorization message, but process the transaction anyway. Summary of Changes, 10 May 2016 This document reflects changes made since the 28 April 2016 publication. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingDescription of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvinginstead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. \. F01. Reason codes are very crucial to assist. However, the return request is invalid, as the customer does not have a. Description of Change Where to Look Incorporated the changes annoSummary of Changes, 13 December 2018 The following are changes with the most recent publication of this document. . Chargebacks are something every business wants to avoid, as they can. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. The cardholder has disputed the charge and you have been placed in the Partial Immediate Chargeback. Most commonly the payer is a consumer. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. 11, 16. Also, remember that the time frame for your response includes any processing required by the acquirer. 4999: Domestic Chargeback Dispute. This ranges anywhere from roughly 60 to 90 days after purchase. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. Chargebacks with the following reason codes have been requested due to fraudulent activity: Chargeback reason American Express reason code. 4846 — Incorrect Currency Code. All chargebacks start with a customer making a purchase in person, in an app, or online. Each of these situations was given an alphanumeric identification code called a chargeback reason code, which is meant to explain the reason for the dispute. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. 2. 16, 2021. Friendly fraud. 0. Multiple Authorization Requests. Message. Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that includedDescription of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingVisa Chargeback Reason Codes. . [noun]/* kə • stə • mər • di • spyo͞ot/. . . Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. The newer system is designed to. Fraud is the most common reason for a chargeback. 4999 Domestic Chargeback Dispute (Europe Region Only) Cardholder Disputes 4853 Cardholder Dispute 4841 Canceled Recurring or Digital Goods Transactions 4854. Visa chargeback reason codes. It covers. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. 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. Discover uses unique codes to explain those reasons to merchants. 3 falls under the “Consumer Disputes” category. To better be prepared for what the future might bring, we try to predict how hacking tools might evolve. . Reason code: Explanation: 4853 - Cardholder Dispute:Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. 4808: This code can refer to: Account Number Not on File. . This definitive tour containing the chargeback reason codes after each of the four major card networks. This list was generated 5/4/2022. . It is a valuable resource for anyone involved in the payments industry. Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that includedACH 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. Fewer chargeback reason codes. 5000–5599. Protect cardholder data. Please note that each card network (MasterCard, VISA, American Express, etc. Date Option. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Thus, the easiest way to prevent chargeback reason code 75 from being. Specify the invoice date and net due date to assign to chargebacks. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Contactless Payment Fraud. A Mastercard chargeback reason code is a code number that’s assigned to one or more specific chargeback issues when a Mastercard is declined. How you respond is determined by the chargeback reason code: Embed This Graphic. . If the merchant attempts to force a transaction through after the presentment window, the bank may respond with a “late presentment” chargeback. Stage 1: First Chargeback. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. 1. Immediately reverse erroneous or duplicate transactions or issue credits to cancel it. The good news for those using Shopify Payments, the hundreds of reason codes and buckets them into eight. Chargebacks are almost always initiated by customers, but businesses can request them as well (although this doesn’t happen often). Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. After the introduction of Visa Claims Resolution, Visa set the goal of resolving all disputes in less than 31 days. Chapter 2 1. Removed Revolution Card section and retired reason codes. 0: Changed report name from Downloadable Dispute Report to Case Report. Category. Chargeback Reason Codes by Industry. Chargeback Reason Codes - Visa and MasterCard Chargebeack reason codes with complete description and timeframes to dispute. 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. Upon<br />Visa chargeback reason codes. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. Do you want to know how to handle chargebacks as a merchant? Download the Chargeback Guide from Mastercard and learn the rules, procedures and best practices for managing disputes and preventing fraud. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that includedRequirements for issuers first chargeback acquirers. 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. Valid chargeback reason codes are defined in UDC 03B/CB. Visa categorizes these types of disputes as “first-party misuse” under their reason code 10. 11, 16. “It’s a lot tougher with Mastercard because they only use four main codes. A payment capture is the legally binding point at which transactional funds move from a cardholder's account into a merchant’s account. . Card issuers and card networks deem certain chargeback codes to be nearly indisputable by merchants, and as a result, a merchant can be charged a fee of up to $500 by card networks for submitting a dispute of such chargebacks. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. 4. Each chargeback comes with a code that designates the reason it was filed. One catch is that CE3. . Chargeback reason code. 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. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. 1. Which definitely guide includes the chargeback motive. eco_warrior Posts: 563 Forumite. Step #2 | Report the Scam to PayPal. Notification of Fraud. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. 46 4. The chargeback process can last from one month to six months. Summary of Changes, 13 December 2018 The following are changes with the most recent publication of this document. 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. 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. 1, 5 January 2016. Which is meant to know the reason for the dispute. Network Processing ® © instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Clearing. Vendors that do not. The system does not accept Blank as a value, even if it is defined in the UDC table. This guide covers the chargeback cycle, the roles and responsibilities of the parties involved, and the specific chargeback codes and time frames for each card program. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Section5. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. . non_receipt: The buyer claims they didn't get the goods or services. Read the Chargeback Advice letter carefully. 2 Added chapter providing information about the DiscoverChargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. But cardholders and merchants have different time limits. 04/09/14 Discover: DC, U02. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. Do you want to know how to handle chargebacks in India? Download the Chargeback Guide from Mastercard and learn about the rules, procedures, and best practices for resolving disputes. France saw a drop of roughly 50% during the same period. ) has its own reason code system, so sellers should carefully check the card used for the transaction. By entering your email, you agree to receive marketing emails from Shopify. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. FRAUD. Otherwise, the acquiring bank sends a chargeback notification. 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 andWhen that happens, the issuing bank will gather evidence from the customer and assign a reason code to the chargeback based on the card issuer. The codes for each card brand are listed below along with the recommended documentation to provide. For example, some reason codes offer cardholders over a year to file. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. Some credit card companies also include a short phrase describing the code and chargeback. This PDF document covers the rules, procedures, and best practices for resolving disputes and preventing fraud. 3 Changed Discover Reason Codes to match what is shown in the UI. Retail Outlet Services. Check the chargeback reason code. A reason code is how banks categorize the reason for a chargeback. Visa, MasterCard, and American Express all list compelling evidence by reason code. Otherwise, the bank may reject the transaction. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. The list of chargeback reason codes in this article is organized by card brand and type of dispute. American Express is incentivized to keep their customers happy. 4999: 12. Accessed October 31, 2022. Visa has recently announced changes to its chargeback rules. 4999 – Domestic Chargeback Dispute (Europe Region Only) Discover – Processing Errors: IN –. Text of Chargeback Guide. . While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Deleted Failure to Compare Signature table Compliance Case Filing, Time Frames andIssuer Use of Message Reason Code 7622. Visa chargeback reason code 75 is filed as an honest mistake. 2: 10: Fraud: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. . Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. 60. This chargeback occurs when merchants do not adequately provide currency information. Payment capture comes after authorization; at this point, the payment is effectively "settled," and the transaction is over. Auto Write Off. 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. Depending on the reason code, chargeback disputes may have different time limits. 1 chargeback: 1. 6). By entering your email, you agree to receive marketing emails from Shopify. . Older time limits for disputes. Most reason codes apply to any merchant, regardless of what’s being sold. 2. Compare account numbers. An ACH (Automated Clearing House) payment dispute is a situation in which one party involved in an ACH transaction raises a concern or disagreement over the legitimacy, accuracy, or authorization of the transaction. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. 3. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. These codes fit into four categories: (10) Fraud: For transactions where no EMV chip was used, stolen payment card credentials were used or transactions were flagged by the Visa Fraud Program. Immediate chargeback program. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. Time limit - 120 days for ISSUER/CARDHOLDER and 30 days for ACQUIRER/MERCHANT. . . R03 Insufficient Reply. . Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). . FR6. The cardholder claims they were charged multiple times for a single transaction. Immediately reverse erroneous or duplicate transactions or issue credits to cancel it. That suggests that in the times when merchants are compelled to file a dispute, most of the time they will prevail. There are multiple situations in which this can occur. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed.