Chargeback Reason Code Lookup
Every major Visa, Mastercard, and Amex chargeback reason code — with win rates, required evidence, and the exact response strategy. Search by code or keyword.
Showing 29 of 29 reason codes
Fraud — Card-Absent Environment
I didn't authorize this transaction or my card was stolen.
Visa Fraud Monitoring Program
Issuer flagged the transaction under VFMP.
Declined Authorization
The issuer declined the authorization but the charge went through.
No Authorization
Merchant did not obtain authorization.
Duplicate Processing
The same transaction was charged twice.
Merchandise / Services Not Received
I never received the item or service.
Cancelled Recurring Transaction
I cancelled my subscription but was still charged.
Not as Described / Defective
The product/service was not as described or was defective.
Counterfeit Merchandise
The item is counterfeit.
Misrepresentation
The product or service was misrepresented.
Credit Not Processed
Merchant agreed to refund but never issued it.
Cancelled Merchandise
Merchandise was cancelled but charge was not refunded.
Original Credit Not Received
Cardholder never received a merchant-initiated credit.
Non-Receipt of Cash or Load Transaction Value
ATM/prepaid card load was not received.
No Cardholder Authorization
Cardholder did not authorize this transaction.
Cardholder Dispute (Generic)
Various — product not received, not as described, cancelled, etc.
Cardholder Dispute — Not Resolved
Tried to resolve with merchant but issue persists.
Goods or Services Not Provided
I never received the goods or services.
Addendum, No-Show, or ATM Dispute
Hotel no-show fee disputed, ATM withdrawal issue, or addendum charge.
Credit Not Processed
Merchant agreed to refund but never issued it.
Credit Not Processed
Expected credit/refund never posted.
Goods/Services Returned or Refused
I returned the item but got no refund.
Goods/Services Cancelled
Cancelled order before delivery.
No-Show or Cancelled Reservation
Hotel/rental no-show charge disputed.
Goods/Services Not as Described
Received item is not what was ordered.
Goods/Services Damaged or Defective
Item arrived damaged or defective.
Card Not Present Fraud
I didn't make this online/phone purchase.
EMV Counterfeit Fraud
Transaction processed without EMV chip.
Unassigned Card Number
Card number was not valid at time of charge.
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