This code applies when valid authorization for a transaction was. Using the same link provided above, contact PayPal to report the scam. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. A chargeback happens when a customer requests for a transaction to be reversed. CODE: DESCRIPTION: A01: Charge Amount Exceeds Authorization Amount. Merchants in the credit repair industry can fight chargebacks by keeping thorough records, including signed service agreements, invoices, receipts, and records of any communication with customers. C14 C18 C28 C31 C32 F10 F24 F29 F30 Charge Amount Exceeds Authorization Amount. What is Visa chargeback reason code 12. Visa’s chargeback reason code 13. 4807 – Warning Bulletin File. Once filed, the merchant generally has 20. 12. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. 2. Visa uses chargeback Reason Code 86 to designate chargebacks resulting when the card issuer receives a written complaint from the cardholder stating that the payment for the transaction at issue was made by other means, not with the credit card that was charged. 60 due to merchandise, fees, overhead, and other sources of loss. However, Visa is the largest card brand in both the United States and the world. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. M01 Chargeback Authorization. 08. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. 0 hour of labor. During this process, the representative of the institution examines the reasons’ list. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. 104. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. S. To do so, you should open your Wallet app and tape “Apple Card. 2 falls under the “Processing Errors” category. It’s even more frustrating if you don’t understand what the chargeback code means. The transaction amount is re-charged to the cardholder’s account, and the funds go back into your bank account. And if the merchandise was returned for late delivery, the issuer should wait 15 days after the return of the merchandise before filing a chargeback. 2. All ACH return reason codes consist of the letter “R” followed by two. 12. It comes into play when customers assert non-receipt of goods or services. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. Bank of America issues both Mastercard- and Visa-branded cards, so the exact requirements may vary depending on the Mastercard reason code or Visa reason code . Dispute Category. How you respond is determined by the chargeback reason code: Embed This Graphic. Also, just like American Express, Discover functions as both a card network and an. Unfortunately, the final decision in such cases comes down to the issuing bank, and not all. ”. Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. Specifically, these updates only pertain to transactions that are charged back after Oct. The most popular type of disputes of the chargeback category. The merchant processed a transaction the cardholder wasn't a part of. C14 Paid by Other Means; C18 “No Show” or CARDeposit Canceled; C28 Canceled Recurring Billing;American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. Now, compliance cases go through Visa Resolve Online (VROL). Values are: Blank: Use the receipt G/L date. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. By entering your email, you agree to receive marketing emails from Shopify. Some payment service providers like PayPal and Stripe have their own reason codes as well. ; Resources. Here’s a step-by-step guide: Step 1: Get notification and login. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. 103. This will be referenced in the chargeback notice you received. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. A major reason is that TC40 reports do not account for delivery failures or product quality disputes. American Express Chargebacks / Disputes. The Chargeback Reason Codes are alphanumeric key codes provided to the merchant and that comes along with the chargeback request. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Which is meant to know the reason for the dispute. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. The chargeback reason codes below explain why this happened. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. Updated Visa Reason Codes. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Additionally, Amex uses a fifth "Miscellaneous" category. Products. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. On that note, below are some vendor missteps that could result in Visa reason code 13. Mastercard Chargeback Reason Code 73: Duplicate Transaction. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. com. Depending on the bank, chargeback fees can range anywhere from $20 to $100. 4841 Canceled Recurring or Digital Goods Transactions. C05 – Goods / Services Cancelled. The diagnosis time and labor rates at auto repair shops vary depending on the location, make and model of the. 2 Compliance CasesVisa chargebacks can be a major inconvenience for merchants. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. Mastercard: n/a This chargeback is caused by Authorization. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. 4853 Cardholder Dispute. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. 99. One of three things will happen: The issuer rules in your favor: Your representment case validates the original transaction. Please see the below “cheat sheet” for the new 4 byte reason codes. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. This may be done by either the merchant or the issuing bank. You can learn more about each one by visiting the Mastercard Chargeback Guide. One thing that TC40 and SAFE reports cannot be used for is keeping tabs on chargebacks. The shorthand description is “Late Presentment. Chargeback reason code 11. 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. There are plenty of reasons as to why this would happen, hence the many. These chargebacks occur to resolve chargeback-related disputes between network members. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. For example, Mastercard has a code which indicates a ‘consumer dispute. By entering your email, you agree to receive marketing emails from Shopify. FR4 Immediate Chargeback Program. Below is a list of Mastercard chargeback codes used in eCommerce. Reason codes vary by card brand. Cardholder was charged for a transaction that was paid using an alternate form of payment. 2. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. 3? Visa chargeback reason code 13. The time limit for Reason Code 90 is 45 calendar days from the transaction processing date. ”. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. Managing Reason Code 41 chargebacks. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. Attempted to process transactions fraudulently. Cause The merchant Failed to void multiple transactions. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. United States. Thus, the easiest way to prevent chargeback reason code 75 from being. The chargeback system is built around reason codes, but as it turns out, those codes are notoriously inaccurate at showing the true source behind a claim. Reason Code 03. 1? Chargeback reason code 11. The cashier doesn’t realize that the payment went through and also accepted the debit card. 4 Other Fraud Card Absent. UniBul August 16, 2010 Credit Card Processing Blog 0 Comments. The diagnosis time and labor rates at auto repair shops vary. Reason Code 04. The victim is given a check to reimburse them for the cost of the purchase. Some credit card companies also include a short phrase describing the code and chargeback. Mastercard Chargeback Reason Code 71: Disputed Amount. Later, Linda realizes that both her cards were charged and in fear of her mother she goes ahead and disputes the charge on the credit card under the Reason Code C14: Paid by Other Means. 4 spec (Section 8. Paid by Other Means. chargeback reason codes REASON ODE ENCYCLOPEDIA sift. “American. However, it's advisable to respond to whatever reason code you received from the bank. 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. 0 is to make the chargeback process more efficient, transparent, and fair. Step 2: Find your case. If the available information indicates that the customer dispute is a valid one, American Express will automatically debit your merchant account for the amount of the disputed transaction and will send you a chargeback notification for you to review. The date the services were cancelled. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. 2. A01 – Charge Amount Exceeds Authorization Amount. According to Nilson, 56% of global card transactions were done on Visa in 2015. This reason code means that the cardholder claims that they were billed for lodging services that they had already canceled. Duplicate Processing - 81Depending on the chargeback, the required evidence might consist of transaction receipts, particular authorization response codes, proof of delivery, correspondence with the customer, or any number of other specific documents. Betty's issuing bank assigned chargeback reason code 10. This code applies when a transaction was processed without acquiring authorization…but the card used in the transaction was listed in the Visa Card Recovery Bulletin (CRB). Invalid Reasons for a DisputeUpdated August 23, 2023. Reason Code 81: Fraud. 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. There are set rules in place for Discover to streamline transaction disputes and chargeback disputes: Customers have 120 days to dispute a transaction. 4853 – Cardholder Dispute – Credit Not Processed. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. 42 - Late Presentment. Here’s a look at the reason codes for the same scenario from the major credit card companies: Visa: Reason Code 30 Services not provided or merchandise not received. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. In fact, for every dollar lost to chargebacks in 2019, the average merchant lost an additional $2. Amex Chargeback Reason Code C14: Paid by Other Means Description Cardholder complaints with his card issuer that he was willing to pay for a transaction with the credit card, and he did complete the transaction but at the same time he changed his mind and used other means to pay for the same transaction i. A chargeback happens when a customer requests for a transaction to be reversed. The codes for each card brand are listed below along with the recommended documentation to provide. CHARGEBACK REASON CODESThis 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. The incorrect amount being charged. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Updated Disputes/Chargeback Policy Coming April 2024American Express chargeback reason code C18 falls under the “Card Member Disputes” category. 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. Typical chargeback reason codes are: DA: Disputed amounts DD: Unearned (disallowed) discount amount Note. American Express reason code 155, Visa reason code 30, MasterCard reason code 4855, and Discover reason code 4755 are all specific reason codes for Shopify payment chargebacks. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. For all other transactions, the maximum amount of. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. non_receipt: The buyer claims they didn't get the goods or services. This can provide important information to fight the dispute. 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. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. What is Visa chargeback reason code 12. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. Cause. Reason Code North-America: Canada and United States of America; Reason Code: All other countries;. Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. Standard Threshold: Reaching a chargeback ratio of 0. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. 1=1010,. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. Visa Chargeback Reason Codes; MasterCard. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not Received Non-Receipt of Goods or Services NO YES VISA 41 Canceled Recurring Transaction Cancelled/Returned by CardholderCode 10. ”. Summary of Changes, 13 December 2018REQUEST A DEMO. The chargeback reason code provides distinctive information about the dispute category to both the acquirer and the merchant to help resolve the dispute. Receiving a damaged product. Eligible Chargeback Reason Codes . 10. 31. Spot these types of chargebacks using. 4 Funding Process. Reason code encyclopedia Your comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. Chargeback Reason Codes and Descriptions. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. [noun]/* kə • stə • mər • di • spyo͞ot/. The notifications can help merchants stop chargebacks before they count against them. Step 1: Identify the Source. Chapter 4: American Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Reason Codes; Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses;. Amex Chargeback Reason Code C14: Paid by Other Means Description Cardholder complaints with his card issuer that he was willing to pay for a transaction with the credit. TC40 and SAFE data also isn’t always reported before a chargeback is filed. Chargeback reason code. Clerical In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. FR6 Partial Immediate Chargeback Program. Try Shopify free for 3 days, no credit card required. 2 address the specific dispute reason with the documents you send. Not recognizing your billing descriptor on a statement. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. Look below the surface. The shorthand description is “Incorrect Account. Response M10 Vehicle Rental – Capital Damages. For example, 10. Download the Guide. Paid by Other Means. 3 –. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. With that said, you still need to understand the reason codes with any chargebacks from Amex. For best results, your chargeback win rate should be as close to 100% as possible. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. EXIDRL–IKVFDLIONCFKNQLOFC AMEX CODE A01What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. A reason code is how banks categorize the reason for a chargeback. Mastercard Reason codes fall under four categories. Download this sample Chargeback Rebuttal Letter. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). If the merchant has a signature showing that the order was delivered, or evidence that the. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. CARDeposit is a long-running American Express program. In simple terms, Mastercard Chargeback Reason Code 4859 — No Show/Addendum/ATM Dispute refers to situations where a customer claims the services purchased from a merchant were not fulfilled. domestic transactions, the dispute timeline can be based on one of two start dates. In addition to losing the amount that was. The cardholder couldn't recognize the purchase description on the billing statement. • Removed reason code 4840 (Fraudulent Processing of Transactions) Chapter 1—General Information. Under Visa Claims Resolution, the Visa dispute process is split into two different tracks, each with its own requirements. Learn the details, the cause, how to respond and how to prevent Visa Reason Code 13. Reason Codes 74. There are over 80 unique return codes, and each one represents a different type of return. Discover chargeback reason code 7030. American Express is incentivized to keep their customers happy. Time and Labor. Reason codes are very crucial to assist. These codes can help a merchant with an inquiry or chargeback reversal. Other Ineligible Transactions Under Reason Code 62, Condition 2 . A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. The chargeback process can last from one month to six months. Inform your acquirer of the date that the credit was issued. 9808 info@chargebacks911. 0: Changed report name from Downloadable Dispute Report to Case Report. Each card issuer follows their own standards for defining reason type, code and its format. Dec 6, 2021 — Betty's bank issued the chargeback for $9. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. 2. Administrative returns (R02, R03, R04): 3%. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. 2. Late Presentment Rules: Mastercard. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. 4 Funding Process. com 14. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. MasterCard does not have a reason code that exactly matches Visa’s 86. Additionally, one clearing transaction. Below is a list of Mastercard chargeback codes used in eCommerce. Managing Reason Code 57 chargebacks. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. ”. 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. To do so, they must provide evidence to the issuing bank that the. Reason Code 53 Re-presentment Conditions. Fraud (10)& Authorization (11)Here’s how reason codes make it easy for you to check the status of your disputes or chargebacks: Mastercard Chargeback Reason Codes Demystified. The reason code. This ranges anywhere from roughly 60 to 90 days after purchase. 16, 2021. Next, you can log in to your PayPal account and click on Open Cases in the Resolution Centre. Check the chargeback reason code. Both Visa and MasterCard use special Reason Codes to designate chargebacks resulting from a late deposit of credit card transactions. The reason codes are grouped into several broad. 3 falls under the “Consumer Disputes” category. The terminal action codes are in Table 122 of the 4. For perspective, the next highest. Batch chargeback process. With the right compelling evidence,. 5%. 105. Ethoca alerts can prevent chargebacks before they hit your bank account. As such, it’s best to work with a professional chargeback mitigation company. A family member used the card without the primary cardholder's knowledge. Discover Chargeback Reason Codes Explained. Step #2 | Report the Scam to PayPal. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. If a dispute is filed with Discover and a ticket retrieval request is sent, the merchant has just five calendar days to respond with. And according. Chargeback prevention alerts require you to monitor and respond to notifications within a short time frame, usually 24 to 72 hours. American Express. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. American Express uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors as well as two additional categories, Inquiry/Miscellaneous and Chargeback Programs, to classify just a handful of reason codes. The number one reason a merchant loses a chargeback dispute? Responding too late, followed by not responding according to the bank’s or card service’s specific requirements. ; Help Center Find answers to common questions about Midigator’s technology,. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. Reason Description; 4515: C14: Paid through Other Means:Here are the two possible scenarios: 1. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. 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. Either the acquiring or issuing bank could initiate the chargeback. This means the cardholder claims that they paid for their purchase with a different payment method, but the merchant charged their credit card anyway. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested item illegible: 07: Warning Bulletin File: 08: Requested/Required Authorization Not Obtained: 12: Account Number Not on File: 31: Transaction Amount Differs: 34:“Visa has 28 different reason codes. 1 chargeback: 1. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. Reason Code 53: Not as Described or Defective Merchandise. Merchants. Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program”, are excluded from program monitoring. Chargebacks were originally initiated as a means of providing consumer protection from fraud. However, the “recruiter” claims the equipment must be bought from a specific source at a provided Zelle address. While there are many chargeback reason codes, all chargebacks fall into one of three categories:101. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)About American Express chargeback reason codes. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. The customer is claiming that this purchase was not authorized. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Receive the Chargeback. Fraudulent Activity. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. 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. 00 EUR as a Withdrawal fee. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. Invalid Reasons for a Dispute Updated August 23, 2023. Time Frames by Chargeback Type and Reason Code. 18167 US Highway 19 N Clearwater, FL 33764 877. There are two parts to this. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. 5 Visa Fraud Monitoring Program. Click on the categories below to view the American Express chargeback reason codes and access tips to help manage each one. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. Chargeback reason codes were created to standardize the list of acceptable reasons why a bank may file a credit card chargeback or debit chargeback on their customer’s. 3. 15, 2021. Click on the Chargeback Reason Code drop-down menu, the user can change the. S. 3 Fraud – Card-Present Environment. Chargeback reports can help merchants identify opportunities to increase efficiency, improve processes, and prevent future. The EFTA was first enacted in 1978. 26% - the number of chargebacks that result from undelivered orders. Responding to Mastercard Reason Code 4853 Chargebacks. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. 2 - Incorrect Transaction Code. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. The cost to diagnose the C0114 code is 1. 2022 Visa Chargeback. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. Chargeback reason codes can be confusing and complicated. ”. But, it could be up to 540 days, in some situations. The business has the chance to refute the chargeback. Reason. Mastercard: Reason Code 4859 Service not rendered. C14. 0. For U. In all, there are four major categories of Chargeback Reason Codes. For all other transactions, the maximum amount of. 1. One of two things will happen next. Chargeback Reason Code Quick Reference Guide. 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. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Use clear and consistent billing descriptors. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. 3.