Chargeback reason codes

Selling on Shopify? See Shopify Payments dispute types.

Visa

• Visa 10.4 — Other Fraud — Card-Absent Environment
• Visa 11.3 — No Authorization
• Visa 12.5 — Incorrect Amount
• Visa 12.6.1 — Duplicate Processing
• Visa 12.6.2 — Paid by Other Means
• Visa 13.1 — Merchandise / Services Not Received
• Visa 13.2 — Cancelled Recurring Transaction
• Visa 13.3 — Not as Described or Defective Merchandise/Services
• Visa 13.6 — Credit Not Processed
• Visa 13.7 — Cancelled Merchandise / Services

Mastercard

• Mastercard 4837 — No Cardholder Authorization
• Mastercard 4863 — Cardholder Does Not Recognize — Potential Fraud
• Mastercard 4808 — Authorization-Related Chargeback
• Mastercard 4834 — Point-of-Interaction Error (e.g. duplicate processing, incorrect amount)
• Mastercard 4853 — Cardholder Dispute (not received, not as described, cancelled recurring, credit not processed)
• Mastercard 4855 — Goods or Services Not Provided
• Mastercard 4841 — Cancelled Recurring or Digital Goods Transactions
• Mastercard 4807 — Warning Bulletin File (legacy)
• Mastercard 4812 — Account Number Not on File (legacy)
• Mastercard 4831 — Transaction Amount Differs (legacy)
• Mastercard 4840 — Fraudulent Processing of Transactions (legacy)
• Mastercard 4842 — Late Presentment (legacy)
• Mastercard 4846 — Correct Transaction Currency Code Not Provided (legacy)
• Mastercard 4849 — Questionable Merchant Activity
• Mastercard 4850 — Installment Billing Dispute
• Mastercard 4854 — Cardholder Dispute — Not Elsewhere Classified (US region, legacy)
• Mastercard 4859 — Addendum, No-Show or ATM Dispute (legacy)
• Mastercard 4860 — Credit Not Processed (legacy)
• Mastercard 4870 — Chip Liability Shift
• Mastercard 4871 — Chip / PIN Liability Shift — Lost, Stolen or Never-Received Card

Amex

• Amex F29 — Card Not Present (fraud)
• Amex F24 — No Card Member Authorization
• Amex C08 — Goods / Services Not Received or Only Partially Received
• Amex C28 — Cancelled Recurring Billing
• Amex C31 — Goods / Services Not as Described
• Amex C02 — Credit Not Processed
• Amex C05 — Goods / Services Cancelled
• Amex P08 — Duplicate Charge
• Amex A01 — Charge Amount Exceeds Authorization Amount
• Amex A02 — No Valid Authorization
• Amex A08 — Authorization Approval Expired
• Amex C04 — Goods / Services Returned or Refused
• Amex C14 — Paid by Other Means
• Amex C18 — "No Show" or CARDeposit Cancelled
• Amex C32 — Goods / Services Damaged or Defective
• Amex F10 — Missing Imprint
• Amex F14 — Missing Signature
• Amex F30 — EMV Counterfeit
• Amex F31 — EMV Lost / Stolen / Non-Received
• Amex FR2 — Fraud Full Recourse Program
• Amex FR4 — Immediate Chargeback Program
• Amex FR6 — Partial Immediate Chargeback Program
• Amex M01 — Chargeback Authorization
• Amex M10 — Vehicle Rental — Capital Damages
• Amex M49 — Vehicle Rental — Theft or Loss of Use
• Amex P01 — Unassigned Card Number
• Amex P03 — Credit Processed as Charge
• Amex P04 — Charge Processed as Credit
• Amex P05 — Incorrect Charge Amount
• Amex P07 — Late Submission
• Amex P22 — Non-Matching Card Number
• Amex P23 — Currency Discrepancy
• Amex R03 — Insufficient Reply
• Amex R13 — No Reply

Discover

• Discover UA02 — Fraud — Card Not Present Transaction
• Discover AA — Does Not Recognize
• Discover RG — Non-Receipt of Goods, Services or Cash
• Discover RM — Cardholder Disputes Quality of Goods or Services
• Discover AP — Cancelled Recurring Payments
• Discover RN2 — Credit Not Received
• Discover DP — Duplicate Processing

DisputeDesk provides general information and document preparation help. It is not legal advice, and we do not guarantee any dispute outcome — the card issuer decides. Reason-code names and rules change; always check the dispute details in your Stripe or Shopify dashboard and the card network's current rules.
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