0. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. To. Level 3/Phase 3: Second presentment, second chargeback, or pre-arbitration. Please note that the most common Chargeback reason code for Allocation disputes is 10. Current Reason Code New VCR Reason Code 70(1) 11. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Updated these Visa Chargeback Codes: 30, 62, 85. Discover Chargeback Reason Codes Explained. 5: Visa Fraud Monitoring Program. Acquirer Use of Message Reason Code 7623. M49 Vehicle Rental – Theft or Loss of Use. Look below the surface. The main chargeback reasons look like this: Malicious fraud. These are the phases: Level 1/Phase 1: Retrieval request or first presentment. Reason Codes A chargeback reason code is a distinctive two-to-four-character combination of letters and numbers issued by the involved bank to identify why a dispute was initiated. It is subject to change and may not include every currently known dispute reason code. UA05 Fraud – Chip Counterfeit Transaction. 1Chargeback. 1, 5 January 2016. non_receipt: The buyer claims they didn't get the goods or services. After the issuing bank’s unsuccessful attempt to identify the transaction for the cardholder, the chargeback process begins. Our article covers the most common chargeback codes, including what they mean, how to prevent them, and how to dispute them if necessary. ” This reason indicates a merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, but submitted the. . If you need additional information, visit the additional resources provided at the bottom of this page or at Chargeback. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. non_receipt: The buyer claims they didn't get the goods or services. 5%. Say Goodbye to. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingThe Fintech Times. So the company has more incentive to side with customer during cardholder. However, the 30 day waiting period can be waived if you’ve. Level 2/Phase 2: Chargeback. It is associated with a chargeback reason code, and it is specific per Card Scheme. 4853 – Cardholder Dispute – Credit Not Processed. Here’s how your store can prevent and deal with chargebacks. Chargeback reason codes apply to disputes, between a cardholder (customer) and a merchant, when the dispute has escalated to a chargeback. Level Up Your Chargeback Disputes with Social Media Clues. Most processors will verify that an authorization approval was issued, in which case this type of. 1. Specify the invoice date and net due date that you want the system to assign to chargebacks. 1. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature) Merchants who believe they have received an invalid chargeback under reason code 11. 1002 - Cardholder disputes billed amount. Visa chargeback reason codes are used to categorize the reasons for a chargeback. 1: Use the corresponding dates from the invoice. 1. Unlike other. From there, the merchant can look up the code to figure out what the dispute is about. 9808 info@chargebacks911. 2 chargebacks are frequently caused by customers forgetting to cancel a subscription before the next billing and then going to their bank to try to get their money back. Code. One of three things will happen: The issuer rules in your favor: Your representment case validates the original transaction. The shorthand description is “Card Recovery Bulletin or Exception File. In fact, 91. It balances out the process and gives merchants the much-needed opportunity to influence the progression of a dispute before it becomes a fully-fledged chargeback. 2 EMV Liability Shift. Values are: Blank: Use the receipt G/L date. 4841 Canceled Recurring or Digital Goods Transactions. . 71 (1) 11. ”. 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. Chargeback reason codes 71 and 4808 are caused when merchants ignore a declined authorization response from the issuer and attempt one of the following actions:. 1. the requested documentation, your account will be debited. Specifically, these updates only pertain to transactions that are charged back after Oct. CR . Example: 25. Every time a merchant processes a transaction, they are supposed to send an. Visa Chargeback Codes — removed retired codes. Reason. 3: Goods or services were not received: C08: RG: 4855: 13. This reason code is used when the cardholder claims that their card was used fraudulently without their permission. 72 - No Authorization. Chargebacks—Maestro POS Transactions—added information to the section, Proper Use of Intra-European Message Reason Code 4808, about theStep #2 | Report the Scam to PayPal. A Merchant Outlet is identified in the Global Merchant Chargeback Monitoring Program if it meets or exceeds all of the following monthly performance activity levels:. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. Visa chargeback reason code 72 falls under the “Authorization” category. Updated August 23, 2023. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Unfortunately, the final decision in such cases comes down to the issuing bank, and not. The cardholder claims they were charged multiple times for a single transaction. This can be transaction receipts, proof of. Either the acquiring or issuing bank could initiate the. 02/10/16 Added Debit Chargeback Reason Codes. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. Updated: Valid values updated. FR4 Immediate Chargeback Program. She later changes her mind and cancels her order for which she didn’t receive the code. 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. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. The newer system is designed to. This extra step can be frustrating for Card Members and lead to lost sales. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. You can learn more about each one by visiting the Mastercard Chargeback Guide. The second main. Each of these causes has a designated “reason code,” and banks assign the appropriate code to. There are multiple situations in which this can occur. Visa uses the four main categories to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing 71: Declined Authorization. Chargebacks from all three categories can show . In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. A reason code is how banks categorize the reason for a chargeback. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Multiple Authorization Requests. 4859 Addendum, No-show, or ATM Dispute. Card Recovery Bulletin Authorization Visa Code: 11. The card network then notifies the merchant’s acquiring bank about the chargeback and passes along all the collected information. 2 Added chapter providing information about the DiscoverIf a dispute has a strong enough basis to warrant a chargeback, Discover will send a chargeback notice to the merchant along with the reason code for the chargeback. Versions Affected: v5, v6. Visa and Mastercard are both card schemes. com Europe. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. Of course, some of these inquiries will still inevitably progress to the chargeback phase. 2 Declined Authorization 72(1) 11. FR2 Fraud Full Recourse Program. 2. 7 Message Reason. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. ” This code indicates that the merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, and submitted the transaction anyway. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. Chargeback Reason Codes. 2. 13. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Combined the Authorization-related Chargebackssection into chargeback reason code 4808(Authorization-related Chargeback) as announcedin the Global Operations Bulletin No. 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. 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. 10. many chargeback reason codes that exist today. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Chargeback. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. ” This code indicates that the merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card”. These chargebacks occur to resolve chargeback-related disputes between network members. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. New Code per Visa update. UA05 Fraud – Chip Counterfeit Transaction. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. September 2011: 5. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. ”. The Takeaway It can be difficult and frustrating to put a stop to a transaction, just because the POS terminal cannot read the card or your authorization. Chargeback. Knowing these codes can help you dispute chargebacks more effectively. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a chargeback. 196 Further information at page PSR-564, 11. Retrieval Request/ Copy request Reason Codes. If the customer’s story matches. [1] Sift. Chargeback reason code 11. Download our 100+ page comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. 1. Chargeback Reason Code 30 - Services Not Provided or Merchandise Not Received The chargeback time limit is calculated based on one of the following: 120 calendar days after the transaction processing date 120 calendar days after the last date the cardholder expected to receive the goods or services (not to exceed 540 days of the transaction. Attachment A: Copy of the customer's transaction on xx/xx/xxxx using a credit card ending in XXXX. For example, 10. These chargebacks occur to resolve chargeback-related disputes between network members. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. Reason Code 53 re-presentments must be. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. Each major credit card company has its own. 11, 16. Friendly fraud is challenging for merchants because it’s tough to diagnose. 4 Other Fraud Card Absent. The chargeback initially results in the debit or credit card charge being reversed and the funds that you received for the payment being returned to the customer. (4. This scenario applies when the arbitration was raised by either the. Mastercard Chargeback Reason Codes. 71%) Cancel Recurring Billing 17. There are over 80 unique return codes, each representing a different return type. 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. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. Not recognizing your billing descriptor on a statement. Specify the default reason code that you want the system to assign when you enter a chargeback amount. Discover chargeback reason code 7030. The list of chargeback reason codes in this article is organized by card brand and type of dispute. 71 (2) Compliance. 15, 2021. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Fortunately, by submitting a response to chargebacks coded as fraud, you can win the chargeback and regain the transaction value. Here's a list of all the current Visa reason codes: Chargeback Code. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. October 25, 2023. Effective for Transactions completed on or after 15 April 2016, A Transaction for which. Visa Reason Codes Quick Reference Guide Author: TD Canada TrustMastercard Chargeback Guide is a comprehensive document that explains the rules and procedures for resolving disputes between cardholders, merchants and issuers. 1: Use the corresponding dates from the invoice. This ranges anywhere from roughly 60 to 90 days after purchase. 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. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. This code tells you why the customer or bank initiated the dispute. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. ACH 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. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Chargeback reason codes apply to disputes, between a cardholder (customer) and a merchant, when the dispute has escalated to a chargeback. It is very similar to: Mastercard's 4853- Defective/Not as Described Reason Code. Upfront Chargeback If we determine we have sufficient information to pursue a Chargeback, we may debit your account up front. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. The issuing bank will then pass on the chargeback to the merchant. November 5, 2023. This is commonly caused by either true fraud or friendly fraud. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Acquirer Use of Message Reason Code 7623. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Visa chargeback reason codes are used to categorize the reasons for a chargeback. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. Chargeback Reason Code. 38%. 2. The merchant did not receive any returned merchandise. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. FR6 Partial Immediate Chargeback Program. Visa chargeback reason codes. Auto Write Off. When a chargeback request is filed a chargeback reason code is assigned to the claim. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. 71: Declined Authorization: 72: No Authorization Obtained: 73: Expired Card: 74: Late Presentment: 75: Cardholder Does Not Recognize the Transaction: 76: Incorrect Transaction Code: 77:. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Mastercard Chargeback Reason Code 73: Duplicate Transaction. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. Declined Authorization Authorization Visa Code: 11. This chargeback occurs when merchants do not adequately provide currency information. For each reason code, a definition isChargeback reason code 10. There are two parts to this. The separation of the Return ReasonCredit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. Eligible Chargeback Reason Codes . Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. If the merchant continues to bill the customer, the customer may file a chargeback with American Express under Reason Code 71. While the updates have been published, they do not go into effect until Oct. 7: Defective goods and services: C32: RM: 13. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. 195 Acquirer Use of Message Reason Code 7627. Visa chargeback reason code 11. In 2021, the main update was the streamlining of their list of chargeback reason codes—consolidating them into a few numeric codes, each holding a text description distinguishing it from the others. Other Ineligible Transactions Under Reason Code 62, Condition 2 . A chargeback happens when a customer requests for a transaction to be reversed. In the case of friendly fraud, that reason could be completely invalid and. Assemble Your Evidence. Overall returns (all codes): 15%. 6 Duplicate Processing/Paid by Other Means. At Visa they used to receive reason code 98. If the order was genuinely not as described, then the cardholder has a case. Description: Reason code for applying handling fee. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. Responding to chargebacks. For example, Mastercard has a code which indicates a ‘consumer dispute. Not remembering the original purchase. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. Based on the information provided, Paymentology will investigate the transaction being disputed. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. MasterCard does not have a reason code that exactly matches Visa’s 80. Fraud. According to Nilson, 56% of global card transactions were done on Visa in 2015. About American Express chargeback reason codes. Discover: Reason Code 4755 Non-receipt of goods or services. processed the transaction correctly. 6: Duplicate processing/Paid by other means. These companies can also handle the entire representment process. Reason codes are very crucial to assist. Visa Chargeback Reason Code 71: Declined Authorization Description The card issuer received a transaction for which authorization was declined. For more tips to Manage Chargeback Caused by Processing Errors and avoid reason code 71, contact Chargeback Expertz. Spot these types of chargebacks using the below reason codes. S. Early Warning: Reaching a chargeback ratio of 0. 1. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. At Visa they used to receive reason code 98. For the sake of simplicity and standardization, card networks like Visa created a breakdown of the acceptable causes for a customer to dispute a charge by filing a chargeback. UA01 Fraud – Card Present Transaction. Code. Say Goodbye to Chargeback Fraud with Our Ultimate Prevention Guide. Required Authorization Not Obtained. Shopify Payments Chargeback Reason Code #2: Transaction UnrecognizedChargeback Reason Codes List for American Express. The issuing bank reviews the information. Reason Code Reason Code North-America Reason Description; 4540: F29: Card Not Present (fraud). Chargeback. 4860 Credit Not Processed. When a chargeback request is filed a chargeback reason. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardChargeback reason codes are one piece of evidence you can use to make your case. . chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. As we touched on earlier, chargebacks can happen due to technical errors. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Reason code 83 represents a chargeback categorized as. These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. Chargeback fraud, in particular, accounts for 30 percent of total. 4 spec (Section 8. “It’s a lot tougher with Mastercard because they only use four main codes. 2 Declined Authorization. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. These are only a handful of common Visa chargeback reason codes. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. 4634. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. Chargebacks are something every business wants to avoid, as they can. This will be referenced in the chargeback notice you received. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect. This reason code is issued when the card issuer receives a transaction for which authorization had been declined. Friendly fraud. 3. 6). For perspective, the next highest. Vantage HouseEthoca alerts can prevent chargebacks before they hit your bank account. 1001 - Cardholder does not recognize the transaction. 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. 3: Goods or services were not as described: C31: RM: 13. 1 falls under the “Processing Errors” category. ; Resources. Cardholder can dispute transaction up until Day 90 for reason code 4808 on MasterCard (see Appendix for details), Day 60 for reason codes 4801 and 4802 (see Appendix for details). Visa Chargeback Reason Codes. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. 4? Visa chargeback reason code 12. There is no one-size-fits-all when fighting chargebacks. 2 - Declined Authorization. F02. Chargebacks911, 2022 Chargebacks Costs. 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. If you need additional information, visit the additional resources provided at the bottom of this page or at Chargeback. 10. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)What is Visa chargeback reason code 11. S. Exploring Visa Chargeback Reason Code 12. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Thus, the easiest way to prevent chargeback reason code 75 from being filed is. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. They can also be caused by a merchant failing to process a cancellation promptly. In that way, winning one dispute may help prevent the next chargeback to come after it. Card Recovery Bulletins and Exception Files are documents created by Visa that list credit. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. EMV has been a mostly global standard since 2004. Chargeback time frames - A specific period during which a chargeback can be raised. The remaining 71% of these losses are counted as “friendly fraud” – the cardholder simply doesn’t recall the transaction and just needs clarification. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how to prevent disputes in the future. This provided a number of insights into the typical. 11. Reason codes for chargebacks are assigned by issuing banks at the time of their creation, depending on the nature of their occurrence. Chargeback reason code 11. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. Either way, the end result is an unauthorized transaction that results in a chargeback. NEW. Visa chargeback reason codes. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Administrative returns (R02, R03, R04): 3%. Each card network maintains reason codes to cover all the disputes that qualify for. Reason codes vary by card brand. 4. 755. Mastercard Chargeback Reason Code 71: Disputed Amount. Chargeback reason codes. Added the following fields - Store ID, Credit Card Chargeback Reason Code. 3 - No Authorization. Dec 6, 2021 — Betty's bank issued the chargeback for $9. Billing issues: Duplicate billing, incorrect amount billed, or promised refund never issued. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. Chargeback reason code 75 is issued when a card issuer receives a complaint from a cardholder stating that the name of the merchant that. Reason Code 76 – Incorrect. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. Betty's issuing bank assigned chargeback reason code 10. The customer regrets their purchase. The chargeback reason code 53 is a very common reason code. This information should be based on the Visa chargeback reason codes assigned to the case. After the withdrawal, the bank will create a chargeback reason code, meaning why they made the chargeback, and electronically transfer all the. [noun]/* kə • stə • mər • di • spyo͞ot/. What is Visa chargeback reason code 11. There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other Chargeback Categories. If the order was genuinely not as described, then the cardholder has a case. Reason Code 11. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. 4632. Legacy Code: 71. There are dozens of reasons why cardholders and issuers dispute transactions. 3. 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. A chargeback can happen when a customer initiates a transaction dispute. The difference is that, while a Code 83 designates a chargeback where an authorization request was not submitted, a Code 71 results from processing a transaction for which authorization was. Sift’s Visa chargeback reason code guide features every single Visa reason code, its description, expert insights, and real world examples. Merchant must provide proof of authorization. At this stage,. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. 2: 10: Fraud:6.