While technically functional, it is being consolidated into 4853, and therefore should not be used. If you have the proper documentation and receipts ready, follow these simple steps to dispute the chargeback in Merchant Direct. To do that, take a look at the most common Visa ® and Mastercard ® chargeback reason codes for services: According to data obtained in the annual Year in Chargebacks report, the biggest threat for services is fraud. Visa Chargeback Reason Code 53 – Not as Described or Defective Merchandise; MasterCard Reason Code 4853—Cardholder Dispute—Defective/Not as Described; One goal of the MasterCard rule appears to be providing customer recourse for ongoing interrupted services. 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. Chargebacks Explained;Message Reason Code. This reason code covers the following scenarios: Reason Code Description;. Merchandise that arrived damaged, defective, or otherwise unsuitable for use would be labeled with reason code 4853 by Mastercard. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. When this occurs, Moneris will send the merchant a "Sales Draft Request" or. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Look for the Chargeback tab. 1. Cardholder Dispute: Digital Goods Purchase of USD 25 or Less / “No-Show” Hotel Charge. The time limit for issuers to instigate a first chargeback are calculated based off the Central Site Business Date (the processing date of the first presentment) and are usually 60, 90, or 120 days in duration. Global Operations Bulletin No. 13 Example 13—Message Reason Code. For more information about chargebacks filed with this reasoning, please see reason code 4853, subcategory Credit Not Processed. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. 246 5. Note: Mastercard has discontinued the use of reason code 4855, merging it into code 4853. merchants the ability to respond more quickly and resolve (or win) the dispute before suffering losses. Note: Mastercard has discontinued the use of reason code 4850, merging it into code 4853. Acquirer Use of Message Reason Code 7623. What are Chargeback Reason Codes? Chargeback reason codes are issued by the bank when a customer files for a chargeback. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. 4853 Cardholder disputes - Services / merchandise defective or not as described; 4854 Cardholder disputes - Not. (Reason Code 13. All chargebacks start with a customer making a purchase in person, in an app, or online. View the entire list or search for any chargeback reason code. Installment Billing Dispute. Chargeback can only be requested under specific circumstances known as 'reason codes', as determined by guidelines set by American Express, Mastercard or Visa. The card issuer must wait at least 30 calendar days from the date the cardholder returned the merchandise, before charging back the transaction. 4853: Goods not as described/defective. A recurring transaction is a payment card charge that automatically reoccurs on a. You cannot refer the customer to the manufacturer if the product is defective or damaged. MasterCard’s Corporate Purchasing Department Account Program does not have rights for the following message reason codes: 4835 — Card Not Valid or Expired. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. A reason code is how banks categorize the reason for a chargeback. 4846 = Incorrect currency or transaction code. 6. MasterCard time limits vary depending on the applicable reason code. " If you can look up the order and confirm via the shipping tracking number that it was indeed delivered to the customer (and signed for), you have a slam-dunk case to fight that chargeback. 9, 1 September 2016. 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. This reason code covers the following scenarios: Reason Code Description; 4853:. Code 4853: Defective Merchandise or Services. Chargeback reason codes identify the general reason behind a chargeback. Reason Code. consumer dispute chargebacks are filed under reason code 4853. Cardholder Disputes. 4808 Required Authorization Not Obtained. 6 falls under the “Processing Errors” category. But, merchants should be aware that, eventually, everyone will be required to use the new designations. Following the Mastercard dispute guidelines, consumer dispute chargebacks are filed under reason code 4853 - Cardholder Dispute. . Chapter 2: Average chargeback rates; Lecture 3: Chargeback Reason Codes Leaders; Chapter 4: Yank Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Reason Codes; Choose 6: Us Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback. MasterCard Chargeback Manual outlines requirements for supporting document(see attachment) when reasserting a chargeback after Representment. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. It is subject to change and may not include every currently known dispute reason code. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. Reason codes are important to help merchants address recurring. 12 Example 12—Message Reason Code 4853—Cardholder Dispute. Chargeback Reason Codes /. Global Operations Bulletin No. Chargeback reason code 4853: Cardholder Dispute applies to situations in which a customer feels they have been cheated or misled. Merchants who process recurring payments should be aware of this chargeback reason. 9, 1 September 2016. 4853: Canceled recurring transaction. The Mastercard chargeback reason codes were condensed down in 2016, like the processed that Visa just underwent with Visa Claims Resolving. Mastercard chargeback reason code 4853: Goods/Services Not Provided covers disputes where a customer claims a merchant didn't deliver as promised. Mastercard Reason Code 4853 – Digital Goods Purchase of $25 or Less,. Company. Chargeback Message Reason Code 4901. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. Reference these when rebutting cardholder disputes at your small business. Chargeback Base Codes by Network - 2023 Guide. Written over Chargeback Gurus. 4853: Goods or Services Not Provided: Mastercard: Cardholder Disputes: 4853: No-Show Hotel Charge: Mastercard: Cardholder Disputes: 4853: Addendum Dispute:60. While creating the reason codes, the bank asks the customer about the reason for dispute and then assigns a code. Mastercard. eCommerce. 7: Defective goods and services: C32: RM: 13. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. Get your complete guide to Mastercard reason codes, included all the detailed information, chargeback time limitings, or other important information it need. . Dispute Chargeback (Reason Code 4853). Notes. Global Operations Bulletin No. Product/service not received. Get our complete guide to Mastercard purpose codes, including all the detailed information, chargeback time limits, also various important information to need. Retry after 8 days. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. See full list on chargebackgurus. 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. 4853: Merchandise/Services Not as Described: 4854: Cardholder Dispute Not Elsewhere Classified (US Only) 4855: Non-receipt of Merchandise: 4856: Defective Merchandise:There is a USD 25 limit for the First Chargeback (Reason Code 22). Here are just a few of the most common Mastercard chargeback reason codes, as well as potential solutions for handling them. MasterCard usage choose main categories to organize hers reason codes: Authority, Card Member Disputes, Fraud, and Processing Fallacies (which MasterCard refers to as Point-of-Interaction Errors). Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. 13 Example 13—Message Reason Code. Level 3/Phase 3: Second presentment, second chargeback, or pre-arbitration. 6. 4 chargebacks. Cardholder Dispute Chargeback - 4853 Sub-categories. Cardholder Dispute Chargeback - 4853 Sub-categories. Mastercard is in the process of updating chargeback management regulations. 4846. Chargeback Message Reason Code 4901. Take, for example, that the customer said the order was undelivered. This definitive guide comprise which chargeback reason encrypted with apiece of the four greater bill networks. Chargeback Message Reason Code 4901. Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program”, are excluded from program monitoring. 4807 Warning Bulletin. Chargeback reason codes. Time Limit. For more information on these and other updates, check out our complete chargeback reason. Chargeback Message Reason Code 4901. Prevented; Recover; Tools. If you see the “Upload” tab is available, you can upload documents relevant to the case. Visa. Solutions. Clearly and concisely communicate your terms and conditions for. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. Technical. Case Studies. Reason Code 4853. It can also apply when the merchant processed a recurring billing charge after the issuer requested cancelation. As part of its processing structure, Mastercard categorizes chargebacks into four main categories:. Dispute Code. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. . The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. 4859 Addendum, No-show, or ATM Dispute. Each code corresponds to a specific issue or problem the customer has experienced with the purchase. message. Level 4/Phase 4: Arbitration. Product unacceptable chargebacks are represented by American Express reason code C31, Visa reason code 53, MasterCard reason code 4853, or Discover reason code 4553. Step 2: Customer initiates the chargeback. Each reason code has certain standards of proof and evidence associated with it that determine whether the chargeback is valid or not. The most comprehensive guide to chargeback reason codes. 5. Below are some examples of more common reason codes. These are the phases: Level 1/Phase 1: Retrieval request or first presentment. ”. Acquirer Use of Message Reason Code 7623. 1: EMV Liability Shift Counterfeit Fraud: 10. This code would also apply to products which do not match the color, quantity, quality, or size of the description. Chargeback Reason Coded by Network - 2023 Guide. TIME LIMIT How long. 4853: Issuer Dispute of a Recurring Transaction: 4853:. Blog and Articles; Success Stories; Chargeback Reason Codes; BIN Look-up; eGuides the Reports; Webinars; Knowledgebase; Online; Partners. Visa chargeback reason code 83 falls under the “Fraud” category. Code 4837 chargebacks are most often caused by either a fraudster making a purchase with stolen payment credentials or a cardholder failing to recognize a legitimate charge. 6. . Fight; Prevent; Get; Assets. Legacy. 1 Quick Reference Lead. Authorisation. 3 – Defective. . They shouldn't exceed 540 days from the transaction date. com on 5/26/2016. 4853. 13 Example 13—Message Reason Code. reason code information. 3: Goods or services were not as described: C31: RM: 13. The code can be used in multiple specific. PCI DSS v3. . Chargeback Message Reason Code 4901. In. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback. 4855. 12 Example 12—Message Reason Code 4853—Cardholder Dispute. Merchants who receive a chargeback for a transaction placed with a Mastercard card may encounter reason code 4855, which indicates a disputed transaction that the cardholder does not believe they should be responsible for paying. The reasons for chargebacks can be due to errors made by the merchant in the submission of their credit card transactions, non-authorized transactions and disputes from cardholders. . 12 Example 12—Message Reason Code 4853—Cardholder Dispute. Chargeback Reason Codes / Mastercard / 4853 – Cardholder Dispute – Goods or Services Not Provided Dispute Code 4853 Category Cardholder Dispute Message System Dual. 6. 6. Midigator is a technology company dedicated to removing the complexity of payment disputes. Get your complete escort to Mastercard cause codes, including all the precise information, chargeback time limits, press different important information you need. Blog. Card networks send these codes to merchants to indicate why a. the date the service was canceled, or. . 12 Example 12—Message Reason Code 4853—Cardholder Dispute. The cardholder claims an installment charge made to their account was incorrect. NB: This chargeback reason was previously known as 4855. Fraudulent. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a. Replaced Chapter 6—Compliance Procedures, with Chapter 5—Compliance Case Filing. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback applies to the claim. 246 5. Chargebacks Explained;Mastercard chargeback reason code 4853: Credit Posted as a Purchase applies to disputes where a cardholder claims a debit should have been posted a credit. 4853 - Cardholder Dispute, Defective/Not as Described. 4808 Expired Chargeback Protection Period. A chargeback is the potential outcome of a disputed credit or debit card transaction. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. Visa Chargeback Reason code 53 is based on claims from card owners that the merchandise was defective, or not same as on the online. This reason code indicates that the cardholder is disputing the transaction as a duplicate charge. Match case Limit results 1 per page. 4853: Cardholder Dispute: 4841: Canceled Recurring or Digital Goods Transactions : 4854: Cardholder Dispute—Not Elsewhere Classified (U. Mastercard 4853 – Cardholder dispute. Reason Code Description; 4853: Services not provided/Merchandise not received. The chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. Visa chargeback reason code 12. 4853: Cardholder Dispute – Defective / Not as Described: 4854: Cardholder Dispute – Not Elsewhere Classified (U. 5. Chargeback reason code 4853 is used to designate “Cardholder Disputes,” or disputes involving transactions that a customer claims are incorrect in some way. 246 5. Get to complete guide to Mastercard reason codes, including all the detailed news, chargeback time limits, and diverse significant information you needs. [MasterCard Reason Codes 4853, 4855, 4859;. What are Chargeback reason codes and what do they mean? Support Go to Zai. A chargeback reason code can offer merchants a lot of information, including which chargebacks you should fight and how to rework your return policy. These time limits are established to ensure prompt resolution of disputes and prevent unnecessary delays. A chargeback is a transaction that is disputed by a cardholder or issuer. Build & Submit a Representment Case in 4 StepsChargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. There are also a series of dates: Disputed date - This is the date the transaction in dispute took place. 9, 1 September 2016. The sales receipt and/or date and amount of the authorization if other than the transaction date. 3 – Not As Described or Defective Merchandise/Services; Mastercard Reason Code 4853 – Goods or Services Not Provided; American Express Reason Code C08 – Goods/Services Not Received or Only Partially Received; Other reason codes are specific and only applicable to certain types of. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a chargeback. 4853 – Cardholder Dispute – Credit Not Processed . Chargeback message reason code 4853 (Cardholder Dispute) governs dispute resolution for most scenarios that will arise from COVID-19-related disputes. While the format of chargeback reason codes. . 5. 13 Example 13—Message Reason Code. 6. Chargeback reason codes are an abbreviated way of offering a basic explanation for the chargeback. 4855 – Goods or Services Not Provided. 13. Evidence to show the exchange and transfer of BINARY currency completed including the relevant timestamped blockchain. Replaced Chapter 5—Arbitration Procedures, with Chapter 4—Arbitration Case Filing. This umbrella category can be applied to multiple specific situations, many of which had their own specific codes at one time. Replaced Chapter 6—Compliance Procedures, with Chapter 5—Compliance Case Filing. Chargeback Code Chargeback Reason; 10. Each chargeback claim is given a reason code, which helps explain to merchants the reason for the dispute. The reasons for chargebacks can be due to errors made by the merchant in the submission of their credit card transactions, non-authorized transactions and disputes from cardholders. 6. Time Limit. Mastercard Chargeback Reason Codes | Sift - Mastercard Reason Code 4853 Goods or. 4853. For example, the merchant bills the cardholder in installments. 6 | Mastercard Reason Code 4853. 1: Fraud (10) EMV Liability Shift Counterfeit Fraud: 10. 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 4853: Not as Described or Defective Merchandise. It is mandatory to send this field if you async status update is chargeback. Fight; Prevent; Recover; Predict; Success Story; Resources. 246 5. Chargeback reason code 4853 can be used to indicate disputes where the cardholder claims that unauthorized purchases were made from a digital account with a merchant (among other conditions). This authoritative guide includes the chargeback reason key from each from the four major card netz. 6. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. F02. 2 - EMV Liability Shift Non-Counterfeit Fraud. Find the case which you want to counter. 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. 6. This broad umbrella category includes an array of chargeback causes. The implication is that the merchant failed to put adequate purchase controls on the account when it was set up. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity Chargeback can only be requested under specific circumstances known as 'reason codes', as determined by guidelines set by American Express, Mastercard or Visa. ” Chargeback reason code 4853 can be used to indicate cases involving hotels or other temporary lodging establishments where a customer claims that the hotel charged an undeserved fee to the cardholder’s bill. 9, 1 September 2016. Replaced Chapter 5—Arbitration Procedures, with Chapter 4—Arbitration Case Filing. 6. Steps to Prevention. Mastercard – 4853 Cardholder Dispute of a Recurring Transaction American Express – C28 Canceled Recurring Billing Discover – AP Recurring Payments The. 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 andMastercard is in the process of updating chargeback management regulations. Note: Mastercard has discontinued the use of reason code 4859, merging it into code 4853. 2. 0 download. To take advantage of these new advice codes, merchants and their acquirers must learn to recognize the new data values and their meanings and use them. . 1 - EMV Liability Shift Counterfeit Fraud ; Condition 10. This reason code is assigned to consumers wishing to file a chargeback for defective product. Chargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. the date the service was canceled, or. The cardholder may be the customer or the someone who lent their card to a friend or relative. Either the chargeback must be processed within 120 calendar days of: the date on the credit documentation, or. Dispute Code. Cardholders can file disputes starting from the transaction date, or the merchandise delivery date, service cancellation date, or when the services were ended. This includes, but is not limited to: • Goods or Services Not Provided • Goods or Services Were Either Not as Described or Defective • Credit Not Processed • Failed Travel Merchant. This reason code covers the following scenarios: Reason Code Description;. It will be incorporated into code 4853. Chargeback Reason Encryption The Ultimate Guide; BIN Lookup Find a Card's Exhibition Bank; ROI Tool The Cost concerning Chargebacks; Resource Hubs. Chargeback Reason Codes Page 2 of 5. consumer dispute chargebacks are filed under grounds codes 4853 - Cardholder Dispute. 12 Example 12—Message Reason Code 4853—Cardholder Dispute. 13 Example 13—Message Reason Code. Mastercard /. 246 5. Merchant refuses as the policy doesn’t accept returns after 30 days. Your first step is to identify the chargeback reason code, which is a kind of shorthand that indicates why the transaction is being disputed. 4850. A chargeback is the reversal of a previously cleared transaction; the cardholder’s account is credited with the amount of the sale and the merchant’s account is debited. As we touched on earlier, chargebacks can happen due to technical errors. 6. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. This list was generated 5/4/2022. Code 4808 refers to authorization-related chargebacks. Code 13. Can Reason Code 4859 Chargebacks Be Prevented? Reason Code 4859 was a favorite of friendly fraudsters, possibly because the claims are so easy to make. 2713 (Invalid Chargeback) Supporting Documents. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. " Dear [Name of Recipient], I write this rebuttal letter contesting chargeback [number] for [dollar amount]. Every chargeback raised is done so with a reason code assigned to indicate why it was raised in the first place, these differ between networks, below we will dive into the most common codes across Visa and Mastercard. Chargeback reason code 4853 can be used to indicate cases where the issuer has previously filed a chargeback for a disputed recurring transaction. . Digital Goods $25 or less. Mastercard chargeback reason code 4853: Digital Goods $25 or Less covers cases where digital goods were bought without adequate purchase controls. Code: Category: Description: 10. 6. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the cardholder's account. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. - Counterfeit Goods. 4853 – Cardholder Dispute – Addendum Dispute. ©Chargeback reason code 4853 is one of the numeric labels assigned by banks to each customer dispute, indicating the given reason for the claim. S. 13 Example 13—Message Reason Code. Our all-in-one e-commerce fraud prevention solution helps e-commerce companies reduce chargeback overheads while streamlining transactions for legitimate users. All but two fall under Mastercard chargeback reason code 4853 (Cardholder Disputes): Reason Code 4808 Authorization-Related Chargeback The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Chargeback Message Reason Code 4901. What are Chargeback reason codes and what do they mean? Support Go to Zai. Make the terms of your subscription clear. Payment method Payment amount Dispute reason code triggered Dispute code category. 55 (Non-receipt of Merchandise) on Debit Mastercard transactions. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputesA reason code or a chargeback reason code is a string of symbols (numbers and letters). Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Get your complete guide to Mastercard reason codes, including all aforementioned detailed information, chargeback time limits, and other important information yours must. Region Only) 4855 Goods or Services Not Provided. Below are the top causes of chargebacks including the reason codes established by leading credit card companies: Customer Dissatisfaction: Cardholder did not receive the items/service purchased, the products/services were not as described and/or product (s) was damaged or otherwise defective. 4 applies to eCommerce, whereas code 10. 6. Global Operations Bulletin No. 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. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37This definitive guide comes that chargeback reason codes from jeder of of four majority card networks. The terms may be different, but the process remains fairly unchanged. 246 5. Following the Mastercard dispute guidelines, consumer dispute chargebacks are filed under reason code 4853 - Cardholder Dispute. A chargeback is initiated by the issuing bank, either at the request of the cardholder or when the issuing bank sees the need to do so. Deferred Chargeback Raise: 128: Chargeback on Fraudulent Transaction: Fraud Chargeback Raise:With Phase 1, Mastercard requires more information from issuers before filing a chargeback. 4853: Cardholder dispute of a recurring transaction. The Mastercard dispute reason code 4853 Cardholder dispute is a relatively new reason code which is raised when the cardholder contacted their issuer claiming that one of the following dispute reasons is applicable: Services not provided/Merchandise not received. . Mastercard /. What is Visa chargeback reason code 13. . 120 Days. 4808 – Authorization-Related Chargeback – Cardholder-Activated Terminal (CAT) 3 Device. </sub> Detailed Chargebacks Reason Codes List for Mastercard. 1 -. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. Cardholder claims the merchant. List and additional information about all reason codes by card brand.