Merchants who still swipe chip cards instead of the chip reader could wind up paying for any fraud on those transactions. Back in October of 2015, the payment networks changed who pays for counterfeit card fraud. Before that date, the banks and card issuers covered those costs. After that date, when a customer hands you […]
Visa Response Code 10.2 is a chargeback response code for chip card transactions that aren’t handled during face-to-face sales. It kicks in whenever a customer shows up with a working chip card but the transaction is run as a magnetic-stripe swipe or is manually keyed instead of going through the chip reader like it should. […]
Visa’s Reason Code 10.4 is probably one of the most frustrating and expensive types of chargeback disputes that online merchants run into – this particular fraud code shows up whenever cardholders claim they never gave permission for a transaction to happen in the first place – and we’re talking about any situation where the physical […]
Reason code 10.5 should make any merchant sit up and pay attention because it means an enrollment in Visa’s Fraud Watching Program. This is a warning that your fraud levels have crossed into dangerous territory and your payment processing privileges are now in jeopardy. Code 10.5 shows up after your merchant account has developed what […]
Reason code 11.3 disputes happen when customers feel that the products or services they received don’t match what was first advertised or have arrived in damaged condition. This whole situation becomes even more frustrating because this particular type of chargeback happens more frequently than other dispute categories that merchants see. Along with that lost money […]
Late presentment has to be one of the most preventable chargeback problems merchants run into. It’s also one of the most expensive mistakes you can make. These reason codes are about transactions that sit around too long before settlement turn from what should be normal scheduled sales into automatic liability problems that chip away at […]
Visa Reason Code 12.5 chargebacks have been steadily draining thousands of dollars from merchant accounts every month, and the especially frustrating part is that most of these losses are completely avoidable when merchants know what to watch for. Cardholders usually review their monthly statement and find the wrong amount on their card, get confused or […]
Customers who pay for something and never receive what they ordered have the right to file a dispute under Visa’s reason code 13.1 – this code covers situations where somebody paid for merchandise or a service but never actually got it delivered. Out of all the different chargeback reasons out there, it’s probably the simplest […]
Mastercard
Authorization failures hurt merchant profits every day and Mastercard’s reason code 4808 is one of the main culprits – this chargeback code applies when transactions either don’t have the right authorization approval or when they go over the approved amount without the cardholder’s permission. Merchants who try to process declined transactions or add large tips […]
Discover
Discover’s IC chargeback reason code creates problems for merchants when the receipt quality is poor. The process is fairly easy but very frustrating – blurry, faded, or unreadable transaction receipts during the dispute resolution mean automatic chargeback losses. The validity of the original sale doesn’t matter at all. One illegible receipt can turn a completely […]
Discover
Discover’s IN chargeback reason code gets triggered when there’s a problem with the card number itself – like invalid numbers, unassigned numbers or just plain wrong numbers that have somehow made it through your authorization system. Manual entry mistakes are usually the biggest culprit and this gets worse during those busy periods when staff are […]
Discover
LP chargebacks kick in when you send the transaction after the card network’s cutoff time, so if you wait too long to process the payment after you deliver your service or ship a product, expect a chargeback that’s very hard to win. Most card networks give you 10 calendar days from the original transaction date […]
Discover
The N code is a Discover chargeback reason code that comes up when cardholders say they never got the physical merchandise they ordered and paid for. This type of dispute can be downright tough for merchants because it’s possible to lose the payment and the merchandise – even when everything was handled correctly. E-commerce businesses […]
Discover
NA disputes happen after a cardholder files a complaint with Discover because their account got charged, but the ATM never actually gave them their cash. It’s a frustrating situation where the customer walks away empty-handed, and their bank account shows that the withdrawal went through anyway. For merchants who run ATMs or process these transactions, […]
Discover
The NC code is Discover’s catch-all chargeback reason for disputes that don’t fit neatly into their standard categories, and it’s one of the more frustrating codes you’ll see because it gives you no quick clue about what went wrong with the transaction. When an NC code shows up, you’re left without much input. The dispute […]
Discover
Discover’s “Processing Error” code is for transactions that go through for an invalid card number. It’s fairly rare but they can be devastating – your business can become responsible for the entire financial loss if a transaction goes through with an invalid card number. These errors almost always signal deeper problems in your payment systems […]
Discover
RG chargebacks are one of the most expensive problems for merchants. Cardholders contact their bank and claim they never got what they paid for and it doesn’t matter if it’s a physical product they ordered online, a file they downloaded or even a service they bought. Merchants then get hit with an immediate fund reversal […]
Discover
Discover’s RM quality discrepancy code is a problem for merchants because it can affect them where they’re most vulnerable (their profit margins and account health) this chargeback reason code gets triggered when cardholders claim that the products or services they received didn’t meet their expectations and it creates one of the most subjective dispute categories […]
Discover
RN chargeback reason codes are Discover-specific disputes that most merchants can usually stay away from pretty easily – so they become especially frustrating when they actually happen. This type of chargeback usually costs businesses more money than almost any other dispute they’ll see. Customers file these chargebacks when they believe they never got the refunds […]
Discover
SV is Discover’s particular chargeback reason code that triggers whenever customers complain about services that weren’t delivered as promised. Service providers can lose thousands of dollars every time customers win disputes over charges for services that apparently never showed up. This code shows up in all kinds of industries from hotels and restaurants to software […]
Discover
UA fraud codes are one of the top chargeback problem for merchants. These reason codes come up whenever a customer claims that a transaction was unauthorized. They can cause money losses fast while putting your entire merchant account in danger. Fraud disputes on transactions receive either UA01 for card-present disputes or UA02 for card-not-present situations. […]
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