Representment Documentation. 4841 Canceled Recurring or Digital Goods Transactions. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Common return codes in this category include:Step #2 | Report the Scam to PayPal. CE 3. Duplicate Processing - 81The 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. (Visa chargeback reason code 10. 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. Fight; Prevent;. Then, the crook attempts to trick the victim into disclosing personal account information (account number, routing information, SSN, etc. Company. without a reason code will be assigned a default code of 1. Visa chargeback reason codes. Time Limit (Acquirer/Merchant) 20 Days. This can be a little confusing; Visa uses the term “dispute” in place of the term “chargeback. Additionally, Amex uses a fifth "Miscellaneous" category. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. The cardholder claims they were charged multiple times for a single transaction. For example, Mastercard has a code which indicates a ‘consumer dispute. Categories For Reason Codes. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. 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. Categories for reason codes have changed over the years, especially because of the increasing number of. Reason. Save fulfillment costs, prevent chargebacks, the improve customer satisfaction. Visa, MasterCard, and American Express all list compelling evidence by reason code. ; eventCode: CHARGEBACK. Select a tab to see the possible. A chargeback occurs when a charge on a customer’s account is reversed. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Save fruition charges, prevent chargebacks, and. 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. About. Reason Code 11: Merchant Collusion: The merchant participated in fraudulent collusive activities. “Visa has 28 different reason codes. You have submitted a transaction to us for an invalid or otherwise incorrect cardholder account number, and we are unable to identify the correct. Standard Threshold: Reaching a chargeback ratio of 0. List of NACHA ACH Return Codes. If you have already. Early Warning: Reaching a chargeback ratio of 0. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. Reason Code 03. 4853 Cardholder Dispute. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. The newer system is designed to. The main chargeback reasons look like this: Malicious fraud. Maestro. 1 Late Presentment: P03 Credit Processed as Charge:Chargeback reason codes are one piece of evidence you can use to make your case. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. 196Learn about the different chargeback reason codes and what they mean. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRR 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. The reason_description field lists the chargeback reason. the Chargeback. A chargeback happens when a customer requests for a transaction to be reversed. Scenario 1 — upfront chargeback. To win a chargeback dispute as a merchant, you must have evidence that is compelling enough to persuade the cardholder’s bank to reevaluate the case. 3: Goods or services were not as described: C31: RM: 13. 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. None, although there is a $0. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. 36. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. Knowledge of such codes can help businesses file a chargeback dispute successfully. If the order was genuinely not as described, then the cardholder has a case. This involves the cardholder’s bank serving as a mediator, rather than eBay. Banks, however, categorize chargebacks or disputes depending on the card used when a chargeback occurs. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. When a customer decides to dispute a charge made to their debit or credit card, it is referred to as a chargeback. 4 applies to eCommerce, whereas code 10. Step 2: Customer initiates the chargeback. ACH return codes identify the reason an ACH payment was returned by the recipient's bank. You can learn more about each one by visiting the Mastercard Chargeback Guide. You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. But, merchants should be aware that, eventually, everyone will be required to use the new designations. 1. Check with the issuing banks to determine what time limits may apply to you. Additionally, Amex uses a fifth "Miscellaneous" category. 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. Visa chargeback reason code 11. MasterCard does not have an equivalent reason code. In that way, winning one dispute may help prevent the next chargeback to come after it. Each bank card network has its owner list of reason codes banks must prefer from. P01: Non-Matching Account Number: 120: Authorization: Amex: P03: Credit Posted as a Card Sale: 120:These are only a handful of common Visa chargeback reason codes. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. This may seem unnecessary, but if you don’t clarify this, your letter may cause some. The existing 22 chargeback reason codes will be replaced by new reason codes and grouped into 4 categories: 1. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Chargeback reason codes have changed. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. Reason code Description; P01: Unassigned Card Number: P03: Credit Processed as Charge: P04: Charge Processed as Credit: P05: Incorrect Charge Amount: P07: Late. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. CODE DESCRIPTION A01 CHARGE EXCEEDS AUTHORIZATION AMOUNT A02 NO VALID. P03 – Credit Processed as Charge. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. It also has a multiplier effect that extends damages well beyond the amount of the disputed charge in question. The cardholder contacts their bank to explain the situation and ask that the bank reverse the transaction. 2: 10: Fraud:You can check on the status of your dispute by following these steps: Login to your Chime mobile app. A chargeback is the potential outcome of a disputed credit or debit card transaction. Feel free to submit topic suggestions, questions or requests for advice to:. 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. Protect cardholder data. These codes are broken down into five different category. Amex. There are two types of invalid chargebacks. 1. Credit not processed for cancelled or returned goods and services 2. 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. Vantage Housemost common reason codes for recurring merchants include: 7. While creating the reason codes, the. 16, 2021. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. P07 – Late Submission. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). 3: Goods or services were not as described: C31: RM: 13. Also, remember that the time frame for your response includes any processing required by the acquirer. 4512:There are dozens of reasons why cardholders and issuers dispute transactions. While the updates have been published, they do not go into effect until Oct. Credit Processed as Charge. Code 10. Once filed, the merchant generally has 20 days to respond. Be sure you understand the cardholder’s claim. One catch is that CE3. The following are some examples: Visa Reason Code 13. 0 represents the first rules change of its kind that specifically provides merchants with the opportunity to reverse the fraud status applied to a transaction associated by reason code 10. Write a chargeback rebuttal letter (with sample template) 8 Ways to Prevent Chargebacks. 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:Merchants who believe they have received an invalid chargeback under reason code 12. 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. Dubbed. 60 due to merchandise, fees, overhead, and other sources of loss. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. When one cardholder initiates a dispute with their issuing bank, a. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. Specifically, these updates only pertain to transactions that are charged back after Oct. Cost. On the home screen, tap “Disputes. Always swipe the card once in the direction of the arrow shown on the reader. By entering your email, you agree to receive marketing emails from Shopify. Additionally, Amex uses a fifth "Miscellaneous" category. Receiving a damaged product. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Each card issuer follows their own standards for defining reason type, code and its format. It also regulates the way banks must respond to consumer complaints and sets limits on liability for lost or stolen debit cards. 3. Improve chargeback-resolution time. 6: Duplicate processing/Paid by other means. In most cases, the bank chooses a course of action based on information the cardholder provides. 2. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. Additionally, one clearing transaction. It is important for the merchant to know about the American Express Chargeback. A reason code is a numeric code that describes the cause behind a chargeback dispute. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. Dispute Condition Description Dispute Condition Code Category Code Category Code Description; EMV Liability Shift: 10. 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. Paid by alternate means and card. 5 Visa Fraud Monitoring Program. 1 Different workflows Disputes will be routed in two different workflows, called Allocation and Collaboration. P01. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Visa is planning to shake up the chargeback process with new compelling evidence rules for fraud disputes with Reason Code 10. Find your dispute ticket by choosing between the “Open” and “Closed” tabs. P01: Unassigned Card Number: P03: Credit. ; Chargeback Prevention Alerts Decide customer disputes quickly before they become chargebacks. Section5. The terminal action codes are in Table 122 of the 4. Upfront Chargeback If we determine we have sufficient information to pursue a Chargeback, we may debit your account up front. Built with a single, intuitive console, Sift’s end-to-end solution eliminates the need for disconnected tools, single-purpose software, and incomplete insights that drain operational resources. New Visa CE 3. Administrative returns (R02, R03, R04): 3%. The aim of CE 3. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. 3. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. Merchants who believe they have received an invalid chargeback under reason code 13. 65 fee for uploading scanned documents. 4854 Cardholder Dispute—Not Elsewhere Classified (U. Dec 6, 2021 — Betty's bank issued the chargeback for $9. Technical. com Europe. P05 – Incorrect Charge Amount. non_receipt: The buyer claims they didn't get the goods or services. Chargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. chargeback: The buyer filed a chargeback with the credit card issuer. Card Issuer. 3 –. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. Dispute. Date Option. 3 falls under the “Authorization” category. 1 Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. What is Visa chargeback reason code 13. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. What follows is a quick reference guide for all the current reason codes for each of the four major credit card networks: Visa, Mastercard, American Express, and Discover. Chargeback Code: Type: Processing Error: P01: Unassigned Card Number: P03: Credit Processed as Charge: P04: Charge Processed as Credit: P05: Incorrect. 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. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. The cardholder alleges they never received the products or services. Read on for the complete guide to dealing with chargebacks. Each card issuer follows their own standards for defining reason type, code and its format. You can be inducted into both programs at the same time. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. ; Here is an. Try Shopify free for 3 days, no credit card required. While the format of chargeback reason codes. In simple words, the chargeback reason code provides the reason why you are dealing with a chargeback. Analyzing chargeback the alert information via heaps. Typical chargeback reason codes are: DA: Disputed amounts. ”. R02 – Account closed. Chargeback . P01: Unassigned C/M Account Number:. Reason code Description; P01: Unassigned Card Number: P03: Credit Processed as Charge: P04: Charge Processed as Credit: P05: Incorrect Charge Amount: P07: Late Submission: P08: Duplicate Charge: P22: Non-Matching Card Number: P23: Currency Discrepancy M01 — Chargeback Authorization. Code. The reason codes are grouped into several broad. Late Submission. For instance, if the customer claims unauthorized purchase, your letter should cite evidence, such as an IP address matching previous purchases, to support. 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 andA TC40 data claim occurs when a customer makes a fraud claim against a merchant. Mastercard: Reason Code 4859 Service not rendered. Having a Lax Attitude Toward Industry Rules & Regulations. United States. Chargeback Prevention Alerts Reset my arguments quickly before it become chargebacks. The R01 ACH return code simply means that the bank account you requested payment from didn’t have the funds necessary to cover the payment. 2. Not recognizing your billing descriptor on a statement. Responding to Mastercard Reason Code 4853 Chargebacks. When a SEPA chargeback occurs, we will notify you by sending a webhook. Amex. Chargeback. . 31. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing. One Point Reason Code: CODE Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing date of. Amex. p01 Unassigned Card Number. A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. 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. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. many chargeback reason codes that exist today. P08 – Duplicate Charge. If a dispute is filed with Discover and a ticket retrieval request is sent, the merchant has just five calendar days to respond with. Incorrect Charge Amount. Take the time to note the following dispute reason codes for Visa. Fine Period - month 2 or 3. Before the cardholder can file a chargeback, they must give a reason to their card provider. These are all the known American Express chargeback codes. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. The shorthand description is “No Authorization. 4 Fraud – Card-Absent Environment. Visa anticipates that changes to the required up-front information will help eliminate the back-and-forth between merchant, acquirer, and issuer, intending to result in a quicker chargeback resolution time for our merchants. Encrypt transmission of. ”. 39 or refused. Region Only) 4855 Goods or Services Not Provided. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Transaction unauthorized make up 30% of all. R07 – Authorization revoked by customer. Contact ChargebackHelp and we can have you sleeping better at night by improving your dispute protection in very short order. Q. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. Once filed, the merchant generally has 20 days to respond to the chargeback. 00 in chargebacks. P01 Unassigned Card Number . It can range from 60 to 120 days from the billing date. 3: Goods or services were not received: C08: RG: 4855: 13. Amex Chargeback Reason Code P01: Unassigned Card Number Description The buyer’s bank found incorrect or mismatched account number with the posted. Reason codes are important to help merchants address recurring. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. The chargeback reason code. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. the Chargeback. That suggests that in the times when merchants. Switch to Visa MasterCard American Express Discover. Updated: Valid values updated. 4853 – Cardholder Dispute – Credit Posted as a Purchase. While the reason code may not reflect the true reason for the chargeback, you must respond to the chargeback based on the code provided. ). They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. ’Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. 4. 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. Try Shopify free for 3 days, no credit card required. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. 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. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type of chargeback. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. This will be referenced in the chargeback notice you received. Now, compliance cases go through Visa Resolve Online (VROL). Further information at page PSR-564, 11. Amex Processing Errors Chargeback Reason Codes P01 — Unassigned Card Number. When you add it all up, the average chargeback costs more than double the amount of the disputed transaction. . P03 – Credit Processed as Charge. The following chargeback reason codes are related to EMV: Visa: 10. Note. 15, 2021. To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. Over the last three years, so-called friendly fraud has become the number-one source of fraud as reported by merchants are forced to deal with. Solutions. P01 Non-Matching Account Number P02 Non-Matching Acct No for returned item P03 Debit Posted as a Credit P04 Credit Posted as a SaleAmerican 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. ) A no-nonsense summary of evidence that proves transaction is legit. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. What is Visa chargeback reason code 12. What is the chargeback reason code? The reason code is an alphanumeric 2 to 4-digit code provided by the issuing bank that identifies the reason for the dispute. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. 4: Fraud—Card-Absent Environment. Supporting Documents You could potentially reverse a Chargeback by providing the. Supporting Documents You could potentially reverse a Chargeback by providing the necessary supporting The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Chargeback. Solution. An ACH dispute results in a chargeback for the business that processed the payment. For details on how to receive notifications of chargebacks, accept or dispute them, and submit evidence to. 3. Reason Code 10: Violation of Standards: The merchant was in violation of one or more of the card network’s regulations. Visa chargeback reason codes. 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. 3: Goods or services were not as described: C31: RM: 13. 7: Defective goods and services: C32: RM: 13. American Express: Reason Code C08 Goods or services. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect. 1 What compelling evidence is needed to respond? Your chargeback response must include at least one of the following items: If the card number was correct, provide a copy of the card imprint, a copy of the charge record from the terminal that electronically read the card number, or proof you received an authorization approval. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. Here’s how your store can prevent and deal with chargebacks. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. dispute successfully and on time, we’ll undo the Chargeback. Then, apply calculations and chart your results. With VCR regulations, the risk of breaching fraud-to-sales thresholds increases. 2. Depending on the reason code, chargeback disputes may have different time limits. Thanks for following the Chargeback Gurus blog. Chargeback reason codes identify the general reason behind a chargeback. in time or with the requested documentation, the Chargeback will stand. In-Depth Analytics Name which real reasons for transaction disputes and solve issues along their source. ” -This reason code is. Clerical Knowing these codes is vital for merchants to understand the reason for chargebacks and how to manage them. Refocus on the Customer Experience. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. The keys to this are improved communication, enhanced customer satisfaction measures, and effective dispute resolution when necessary. 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. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Reason Code 53 re-presentments must be. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. Which fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). P01. The cardholder initiates contact with their bank or credit union to file a dispute. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. There are over 80 unique return codes, and each one represents a different type of return. For example, let’s say you attempt to debit (or deduct) $100 from your customer’s bank account, but they only had. Category. These chargebacks occur to resolve chargeback-related disputes between network members. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. ; reason: Reason for the chargeback. Each code corresponds to an issue or problem.