Accessed October 17, 2022. S. 2? Visa chargeback reason code 12. that the transaction was either approved online by the issuer or offline by the chip. Case Studies. Upon no assistance she decides to put a dispute on the charge under the Reason Code UA10: Request Transaction Receipt for Swiped Card Transaction. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. 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. Linda ordered a laptop and got transaction authorization code. "You should maintain dispute templates for each reason code and include your intent to fight the chargeback and why. Chargebacks were introduced as a form of consumer protection against. The cardholder is claiming that they did not authorize or participate in the transaction. Immediate Chargeback Program: American Express: Inquiry/Miscellaneous: FR6: Partial Immediate Chargeback Program: Discover: Fraud: UA01: Fraud – Card Present. 975. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. View the entire list or search for any chargeback reason code. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. 3? Visa chargeback reason code 13. 65% with at least 75 total disputes. M10 Vehicle Rental – Capital Damages. Reason Code. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. Articles;Share your cancellation policy, note that it was displayed prominently, and show that the cardholder agreed to the terms at the time of the purchase. 9905. To avoid this, issuers can identify their chip cards using the Service Code field with a first byte value of 2 or 6. 5. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. Description. pdf), Text File (. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. Visa Chargeback Reason Code 83: Explained. 2 Compliance CasesCredit 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. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Decline code 05 means “Do not honor” the purchase. UA05: Fraud – Chip Counterfeit Transaction: UA06:. Each card scheme has its own time limits for chargeback disputes, which can range from 60 to 120 days from the transaction date. UA06. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. 1 chargeback: 1. Updated Disputes/Chargeback Policy Coming April 2024Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. American Express: Reason Code C08 Goods or services. It is used when a cardholder disputes a transaction that was made in a card-not-present (CNP) environment, such as an online or over-the-phone purchase. After the introduction of Visa Claims Resolution, Visa set the goal of resolving all disputes in less than 31 days. Specify a code from UDC 00/PS that indicates the. SU: Spread unapplied amount. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. FAQ: What is Chargeback. By entering your email, you agree to receive marketing emails from Shopify. Fraud. Accessed October 17, 2022. What Are Chargeback Reason Codes?. About American Express chargeback reason codes. Chargeback . George goes grocery shopping where he makes a purchase of around $100. High-Risk (Excessive): Reaching a chargeback ratio of. The shorthand description is “Insufficient Reply. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. 2 falls under the “Processing Errors” category. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37Card 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. Visa Chargeback Reason Codes. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. txt) or read online for free. Look below the surface. 15, 2021. This definitive guide includes the chargeback reason codes from each of the four major card networks. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. 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. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. This code indicates an unauthorized charge was made to a chip-and-PIN card in a card-present transaction. However, a truly effective strategy must involve both prevention and disputing cases of friendly fraud. for chargeback reason code 4863 (Cardholder Does Not Recognize). The sales person accidently approves the transaction without. Some of the reasons why the order did not reach the cardholder can be as follows: The merchant did not provide the services;Step 1: The cardholder disputes a charge. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. UA06 Fraud: Chip and PIN Transaction. paper processing and mailing costs. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Dec 6, 2021 — Betty's bank issued the chargeback for $9. The cardholder may also claim that a counterfeit card authorized a transaction from his or her account. 4. Category. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. manual processing by uploading chargeback documents instantly. Retrieval Request/ Copy request Reason Codes. It gets worse. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. UA05 Fraud: Chip Card Counterfeit Transaction . Chargeback reason code 10. As. The assigned chargeback reason code outlines why a customer submitted the dispute. It was originally just one facet of legacy reason code 81. These are only a handful of common Visa chargeback reason codes. PCI DSS v3. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. It can range from 60 to 120 days from the billing date. Another thing you should bear in mind is that the card brand involved in the dispute can also change the reason code to suit new developments. com. The charge submitted represents an amount in excess of the approval code received. 265. A “No Authorization” code chargeback can also be the. Recurring billing transactions are a frequent source of conflict, disputes, and. Visa. Upgrade to EMV-compliant terminals. Fraud/Counterfeit Chip Transaction. Mastercard Chargeback Reason Code 71: Disputed Amount. Discover. underlying your chargeback. A chargeback is the potential outcome of a disputed credit or debit card transaction. compliance process depending on whether a chargeback right exists. Mastercard has plans to follow suit. 3. 4807 Warning Bulletin File. Learn which strategies to use because she fight and prevent consumes disputes with reason code. At Visa they used to receive reason code 98. For example: The cardholder states that the quality of the product is not as described. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,2. Chargebacks. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. The client will send this dispute to Paymentology’s Global support team via email – [email protected]: No Authorization. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. Cause. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. 4. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. Reason codes are created by the major. Reason codes are important to help merchants address recurring. Articles; Chargeback Reason Codes;. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. 3 applies when a cardholder claims a charge—made in a card-present environment—was. The shorthand description is “Credit Not Processed. Visa chargeback reason code 12. Authorization Noncompliance. As both a credit card network and issuing bank, Discover places significant emphasis on customer satisfaction when handling cardholder disputes. Either the acquiring or issuing bank could initiate the chargeback. Chargeback Reason Codes / Discover / UA05 – Fraud: Chip Card Counterfeit Transaction Reason Code UA05 Category Fraud Dispute DESCRIPTION Why did I receive this chargeback? The cardholder has a chip card and someone made a counterfeit copy of it. Reason code 4808 – Authorization-Related Disputes;. The list of chargeback reason codes in this article is organized by card brand and type of dispute. As part of its move to support card-not-present merchants and airlines, Visa made changes to the compelling evidence requirements for four key reason codes: Reason Code 30: Services Not Provided or Merchandise Not Received. ”. F01. It should be on the checkout page near the submit. The following chargeback reason codes are related to EMV: Visa: 10. Chargeback Reason Codes by Lan - 2023 Guide. This extra step can be frustrating for Card Members and lead to lost sales. [1] Sift. txt) or read online for free. Code Reason (for Visa) 10. In simple terms, VCR introduced five definitive changes to the dispute resolution process: The timeframe for merchant response was shortened from 45 days to 30 days. 4 Other Fraud Card Absent. Fraudulent TransactionsYour first step is to identify the chargeback reason code, which is a kind of shorthand that indicates why the transaction is being disputed. Discover 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. 16, 2021. 4: 4863 These reason codes are divided into three categories depending on the supposed cause of a chargeback: consumer disputes, processing error, or fraud. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2. Step 2: Customer initiates the chargeback – After the customer reviews their credit card statement at the. Check the chargeback reason code. The merchant didn’t seek an authorization request before completing the transaction. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Additionally, one clearing transaction. 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. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. 2 is an updated version of legacy Visa reason code 81, which was phased out under the Visa Claims Resolution initiative. The most comprehensive guide to chargeback cause codes. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. The UA18 is the sub-Reason Code of UA10, is assigned by Discover Card Network where a dispute initiated as a UA10 Retrieval Request and Discover Card Network finds that the transaction receipt provided by the merchant is not a valid one. Retrieval Request/ Copy request Reason Codes. Either the acquiring or issuing bank could initiate the. F02. American Express chargeback reason code C18 falls under the “Card Member Disputes” category. On that note, below are some vendor missteps that could result in Visa reason code 13. Paymentology will submit the chargeback using the appropriate chargeback reason code. 60. Visa, MasterCard, and American Express all list compelling evidence by reason code. However, for simplification, they are divided into eight categories: Fraudulent activity; Authorization issues;. 1002 - Cardholder disputes billed amount. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. Discover. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. Otherwise, the acquiring bank sends a chargeback notification. Check the chargeback reason code. View the entire list of reason codes below or search. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. The cardholder claims that they did not. This is a fairly common chargeback reason that can. Both EFM and ECM measure compliance at the MID level. Chargeback. The shorthand description is "'No Show’ or CARDeposit Canceled. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. 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. The cardholder may also claim that a counterfeit card authorized a transaction from his or her account. Chargeback Reason Codes. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 10. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. American Express . In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. Specify the default reason code from UDC 03B/CB to assign when you enter a chargeback amount. The product or service did not match its description. 1004 - For fraud /dispute investigation or legal/ regulatory issues. 4865 PM 4864 NF Non-Receipt of Case from ATM-Cancelled Recurring Digital Goods Transaction Cardholder Dispute 4866 UA05 4867 UA06&Fraud Chip Card Counterfeit Tranaction Fraud Chip and. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. Prevented; Recover; Tools. About Discover chargeback reason codes. Category. This reason code is used when a cardholder claims that the merchant charged them for a different amount than what they agreed to pay. Chargeback Reason Codes 53 and 4853 may be issued for one of the following reasons: The merchant sent the wrong merchandise to the customer. 4 Ways to Fight Chargebacks: Gather compelling evidence. UA05 - Fraud Chip Card Counterfeit 4871 - Fraud Chip and Pin Transaction: 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 10. 102. Noted the roll up of reason codes 41, 55, 59 and 60 into 53 along with 53’s name change Chapter 4 Added invalid chargeback note for AFD for MCC5542 Chapter 4 Noted the roll up of reason codes 41, 55, 59 and 60 into 53 along with 53’s name change Chapter 4 Changed the name to reason code 53 and 59 Chapter 4Code 4807: Fraudulent Card-Present Transaction. The cardholder may be the customer or the someone who lent their card to a friend or relative. The cardholder initiates contact with their bank or credit union to file a dispute. The network plans to reduce response times even further to just 20 days in the near future. Codes are not often shared between issuers which means it can be difficult to remember the details of each. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. But, merchants should be aware that, eventually, everyone will be required to use the new designations. 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:A dispute often has a reason code associated with it. Merchants can find a. The majority includes leader to chargeback reason codes. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. This can provide important information to fight the dispute. Other Ineligible Transactions Under Reason Code 62, Condition 2 . Merchants who believe they have received an invalid chargeback under reason code 13. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. Get which strategies to use as you struggling the impede consumer disputes to reason code. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. Understanding Visa’s New 2023 Chargeback Rule: Compelling Evidence 3. Multiple Authorization Requests. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. The shorthand description is “Goods/Services Not as Described. 04/09/14 Discover: DC, U02. Reason Code 11. The good news is that most of these invalid claims are disputable by the merchant. UA05 - Fraud Chip Card Counterfeit 4871 - Fraud. This ranges anywhere from roughly 60 to 90 days after purchase. This list was generated 5/4/2022. In most cases, you will have 20-45 days in which to respond to a chargeback. news & updates. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. About American Express chargeback reason codes. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Try Shopify free for 3 days, no credit card required. If the merchant has a signature showing that the order was delivered, or evidence that the. During this process, the representative of the institution examines the reasons’ list. The chargeback reason code. When a customer decides to dispute a charge made to their debit or credit card, it is referred to as a chargeback. 3? Visa chargeback reason code 11. Fine Period - month 1 1 Acquirer receives Excessive Fraud Activity Notification 2. Feel free to submit topic suggestions, questions or requests for advice to:. Chargeback reason codes can be confusing, especially since each. 4853 – Cardholder Dispute – Goods or Services Not Provided. 5158. youtube. Read the Chargeback Advice letter carefully. ; Help Center Find answers to common questions about Midigator’s technology,. Fight;. 6). You must tailor your representment case — including the compelling evidence — to the reason code under. Reason Code 81: Fraud. Chargeback Reason Codes (03B/CB) You must assign a chargeback reason code (03B/CB) to explain the reason for entering chargeback for the invoice. Early Warning: Reaching a chargeback ratio of 0. 634. There are dozens of reasons why cardholders and issuers dispute transactions. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. 6. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. The list of chargeback reason codes in this article. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. That definitive guide included the chargeback reason codes from each of the quad larger card connectivity. April 2018_Chargeback Reason Code Encyclopedia. What is Visa chargeback reason code 11. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. 4 to this dispute, indicating the purchase was fraudulent in a card-not-present environment. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. 1. AP Canceled Recurring Transaction. Dispute. . The shorthand description is “Credit Not Processed. reasonable and that the transaction did not exceed this amount range. Thanks for following the Chargeback Gurus blog. 105. 1 chargeback: 1. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. 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. Blog additionally Articles; Success Stories; Chargeback Reason Keys; BIN Look-up; eGuides and Reports;. The transaction amount and authorization number (ARN. This definitive guide includes the chargeback reason codes coming each of the four greater menu networks. Proof you used Address Verification Service to validate. Then it chooses the most applicable code for a. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Reason Code UA05 : Fraud/Chip Counterfeit Transaction ↩ Back to Directory Dispute Card Issuer Discover Reason Code UA05 Category Fraud Claim The cardholder claims their. The terminal action codes are in Table 122 of the 4. Reason Codes Category 4: Processing Errors. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. 3. Here the cardholder is claiming that you were supposed to provide them with a refund, but no credit has been applied to their account. 5, and all aspects of chargeback reason codes, with proprietary. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. EMV Liability Shift Non-Counterfeit Fraud. This definitive guide includes the chargeback rationale codes from each of to four major card networks. This claim strongly suggests that the merchant processed a stolen card on a payment. 2 Authorization Your for Original. UA05 – Fraud: Chip Card Counterfeit Transaction. 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 is validStep #2 | Report the Scam to PayPal. Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program”, are excluded from program monitoring. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. Articles;Steps to Prevention. The business has the chance to refute the chargeback. 9808 [email protected] Categories of Visa Chargeback Reason Codes. Solution. AMERICAN EXPRESS; CODE: DESCRIPTION: A01: Charge Amount Exceeds Authorization Amount. Chargeback Reason Codes; Chargeback Reason Codes. ”. 2. Step #2 | Report the Scam to PayPal. Read on for the complete guide to dealing with chargebacks. Let’s say you got a Visa chargeback with reason code 13. EMV has been a mostly global standard since 2004. Visa Chargeback Reason Codes; MasterCard. Research and familiarize yourself with the specific chargeback reason codes used by your industry or payment processor. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. 2 – EMV Liability Shift Non-Counterfeit Fraud. This definitive guide includes that chargeback reason colors from each of the four major card networks. UA05 - Fraud – Chip Counterfeit. The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type of chargeback. UA05 – Deception: Chip Card Counterfeit Transaction; UA06 – Fraud: Chipp and PIN Billing; Discover Chargeback Reason Codes. But cardholders and merchants have different time limits. A cardholder claims that they did not receive the service or merchandise they ordered. Solutions. There are two parts to this. Such definitive guide includes the chargeback reasoning codes from each of and four major card networks. 4853 – Cardholder Dispute – Goods or Services Not Provided. Card networks send these codes to merchants to indicate why a chargeback has been filed. 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 is validChargeback representment is the process through which merchants can submit evidence to prove that a chargeback is illegitimate. Chargeback Reason Codes and Descriptions. About Visa chargeback reason codes. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Standard Threshold: Reaching a chargeback ratio of 0. Everyone has had the experience of buying. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. 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). You should be. Reason Code 03. What is Visa Reason Code 11. If you fulfilled the cancellation request but the cardholder continued to use the services, provide documentation that proves the charge covers services used after the cancellation. Click on “report a problem” and select the transaction in question. 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. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. About Visa chargeback reason codes. REASON CODE CATEGORIES. Additionally, Discover uses a fifth "No Classified" category. To obtain additional information, the issuing bank sends a retrieval request to the merchant’s bank. Review your credit card processor’s policies to understand its chargeback dispute process. One of three things will happen: The issuer rules in your favor: Your representment case validates the original transaction. About American Express chargeback reason codes. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. The actual underlying cause of this chargeback is. Use this resource to prevent and fight chargebacks with greater accuracy. Then you can research the transaction to see if the chargeback appears to be valid or not. 2 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Midigator has created a database of Discover reason codes. 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. 4 spec (Section 8. 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. UA01 Fraud: Card Present Transaction. 4: 4863 Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. ↩ Back to Directory. Solution.