. Each chargeback claim is given a reason code, which helps explain to merchants the reason for the dispute. Let’s say you got a Visa chargeback with reason code 13. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. Chargeback guide 4 may 2021 189 supporting documents. 0 to 5. . FRAUD. Summary of Changes, 10 May 2016. 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. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. . Across the four major credit card networks (i. 1. Payment Capture. Each reason code has its own set of regulations regarding: Proper and. Ethoca alerts can prevent chargebacks before they hit your bank account. The newer system is designed to. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Network Processing ® ©instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. All chargebacks start with a customer making a purchase in person, in an app, or online. . People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. Here’s how your store can prevent and deal with chargebacks. Thus, the easiest way to prevent chargeback reason code 75 from being. Under the new VCR process, there will be 4 dispute categories: Fraud, Authorization, Processing Errors and Consumer Disputes. The implication is that the merchant is at fault. Each bank card network has its owner list of reason codes banks must prefer from. Chargeback Guide28 April 2016. Which is meant to know the reason for the dispute. For a Mastercard late presentment chargeback to be valid, all the following conditions must apply: The cardholder’s account must be permanently closed. Step 2: Customer initiates the chargeback. Credit not processed for cancelled or returned goods and services 2. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect. The reason code may not necessarily reflect the actual reason for the chargeback, but you ought to respond to it based on the provided chargeback code. Step 1: The cardholder disputes a charge. Paymentology will submit the chargeback using the appropriate chargeback reason code. Your request for a chargeback reversal has been reviewed. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. This would be filed using reason code 12. The chargeback is ordered by the bank that issued the consumer's payment card. . 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. 4999: Domestic Chargeback Dispute. Pages 100+ Identified Q&As 7. 2. Depending on the reason code, chargeback disputes may have different time limits. A chargeback happens when a customer requests for a transaction to be. The chargeback transfers funds from the acquirer to the issuer. Reason Code 03. In this article, we'll cover some of the major changes that Mastercard has made to chargebacks in recent years, starting with several. . Reason code:. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. The existing 22 chargeback reason codes will be replaced by new reason codes and grouped into 4 categories: 1. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. Encrypt transmission of cardholder data. Cardholder Disputes. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. The third digit indicates the specific reason within this category. . What is a chargeback time limit? The chargeback response. 4. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. 10. 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. Consider Deadlines. Otherwise, the acquiring bank sends a chargeback notification. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. However, the return request is invalid, as the customer does not have a. The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. 2. 4999 - Domestic Chargeback Dispute (Europe region only) The issuer may use this reason code when a dispute is possible under domestic rules, but doesn’t meet another chargeback categorisation. . Text of Chargeback Guide. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. 2 chargeback if you override a declined, referral, or pickup authorization message, but process the transaction anyway. Sent them an email saying that you would like to request a chargeback for the duplicate transaction; quoting MasterCard Chargeback Reason Code 4999. . To obtain additional information, the issuing bank sends a retrieval request to the merchant’s bank. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. There are 151 chargeback reason codes across the four major card networks. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Always swipe the card once in the direction of the arrow shown on the reader. Friendly fraud. Others require banks to wait for a certain period before they can issue a chargeback. The shorthand description is “Domestic Chargeback Dispute (Europe Region Only). . 3 Fraud – Card-Present Environment. Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that includedClearing. 11, 16. 5000–5599. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. [noun]/* rēzən kōd /. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. . Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that included instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Reason Code Reason Code North-America Reason Description; 4540: F29:. Reason codes vary by card brand. Major card networks including Visa,. Check the chargeback reason code. chargeback: The buyer filed a chargeback with the credit card issuer. Printer-friendly version; Login to post. This provided a number of insights into the typical. 6, "Chargeback Reasons" Added requirements for each Chargeback Reason code. 4800–4999. Once you know why a chargeback happened, you can start building a case to address the claims that were made. The cardholder claims they were charged multiple times for a single transaction. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. All card brands have their own number of codes). After the introduction of Visa Claims Resolution, Visa set the goal of resolving all disputes in less than 31 days. ECM monitors first presentment chargebacks regardless of reason code or transaction type. “It’s a lot tougher with Mastercard because they only use four main codes. Upon<br />Visa chargeback reason codes. 4846 — Incorrect Currency Code. 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. While the format of chargeback reason codes varies depending on the card network, all codes are alphanumeric. MCC 5815 — Digital Goods: Media (Books,. UA02 Fraud – Card Not Present Transaction. This is commonly caused by either true fraud or friendly fraud. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. The chargeback will remain and your account will not be credited. 6). Some credit card companies also include a short phrase describing the code and chargeback. 2. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. M49 Vehicle Rental – Theft or Loss of Use. The program focuses on small ticket and digital goods merchant fraud transactions. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. 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. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. That suggests that in the times when merchants are compelled to file a dispute, most of the time they will prevail. Include any terms relevant to the transaction, including return, cancellation and. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. 4 falls under the “Processing Errors” category. By entering your email, you agree to receive marketing emails from Shopify. Many subscription payment disputes are made under code 13. Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that includedDescription of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingVisa Chargeback Reason Codes. Chargeback codes Last updated: August 16, 2023 Below you'll find a list of chargeback codes along with an explanation of what each one means, covering both. The most comprehensive guide to chargeback reason codes. 1 Goods and Services Related Issues 1. 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. Auto Write Off. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. 4860 Credit Not Processed. Subsection5. Date Option. “Visa has 28 different reason codes. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. Listed as American Express reason code 193, Visa reason code 83, MasterCard reason code 4863, and Discover reason code 6040, customers file fraudulent chargebacks when they believe fraud has occurred. 4999 Domestic Chargeback Dispute (Europe Region Only) ‹ Chargebacks 101 up. Find your dispute ticket by choosing between the “Open” and “Closed” tabs. MASTERCARD. Reason codes are important to help merchants address recurring. Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. This guide covers the chargeback cycle, the roles and responsibilities of the parties involved, and the specific chargeback codes and time frames for each card program. Chargeback reason codes have changed. EN. Here’s how. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. . 4 disputes through Verifi’s Order Insight®, which ChargebackHelp clients are integrated with already under CBH+Deflect . Chargebacks were introduced as a form of consumer protection against. 1 Quick Reference Lead. This extra step can be frustrating for Card Members and lead to lost sales. \. BIO 101. Try Shopify free for 3 days, no credit card required. TB. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. ) has its own reason code system, so sellers should carefully check the card used for the transaction. Acquirer Use of Message Reason Code 7623. . Discover uses unique codes to explain those reasons to merchants. UA06 Fraud – Chip and PIN Transaction. Summary of Changes, 10 May 2016 This document reflects changes made since the 28 April 2016 publication. Timeframe: Under card network rules, a cardholder has up to 120 calendar days from the settlement date to initiate a chargeback (depending on the chargeback reason code). The codes for each card brand are listed below along with the recommended documentation to provide. Chargeback Reason Codes. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. Batch chargeback process. Reason code: Explanation: 4853 - Cardholder Dispute:Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. 63 Failed Travel Merchant-Intra-EEA and Domestic EuropeanChargeback Reason Codes. . Some crucial examples of specific documents used as compelling evidence are as follows: Delivery confirmation of the order; Conversations with the customer; Verification codes (AVS, Authorization, Card Security Code, 3D Secure 2. ProfNewt2605. 2. Ideally, the chargeback reason code will determine the type of evidence you share. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Only an issuer can initiate the chargeback process. Level 4/Phase 4: Arbitration. 1, 5 January 2016. Section5. Each of these situations was given an alphanumeric identification code called a chargeback reason code, which is meant to explain the reason for the dispute. Reason Code Reason Code North-America Reason Description; 4540: F29:. The shorthand description is “Late Presentment. ”. Fraudulent Activity. 3:. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. Step 2: Customer initiates the chargeback – After the customer reviews their credit card statement at the. eco_warrior Posts: 563 Forumite. 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. Field name: reasonCode. F01. All chargebacks start with a customer making a purchase in person, in an app, or online. #9. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. 196 Chargeback Reason Codes, Chip Liability Shift Chargebacks—Mastercard Europe ATM Transactions (Mastercard, Maestro, and. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Multiple Authorization Requests. 1 EMV Liability Shift 10. Once you receive this notification, you have 11 days to submit a response. . Learn the details, the cause, how to respond and how to prevent Mastercard Reason Code 4999 Domestic Chargeback Dispute (Europe) . 46 4. 08. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. . Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. 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. The most comprehensive guide to chargeback reason codes. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Merchants can find a. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. 5700–7299. A payment capture is the legally binding point at which transactional funds move from a cardholder's account into a merchant’s account. . 4853 – Cardholder Dispute – Credit Posted as a Purchase. GraphQL Docs & Tools. . Click on “report a problem” and select the transaction in question. Arbitration Chargeback/1442 Message - MasterCard. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involving 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. Summary of Changes, 10 May 2016 This document reflects changes made since the 28 April 2016 publication. Network Processing ® © instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. MasterCard: Reason Code 4859 Services not rendered. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. “Late Presentment” is a reason code description for three of the four card brands (reason code 12. 11, 16. Mastercard chargeback reason code 4999 falls under the “Point-of-Interaction Error” category. Train the staff on how to handle credit, debits, and reversal. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involving 10. 4853 Cardholder Dispute. 3. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involving instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. It covers. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. Merchants. There are several types of chargeback reason codes that can be used, including the following: 1. . WEX began issuing chip cards in Q4, 2020. Eventually the existing chargeback reason codes won't be used and will be removed from this guide. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. In short: capture is the point at which you get paid for a sale. Network Processing ® © These mandates often involve changes to the transaction process, the addition or removal of certain chargeback reason codes, or changes to the various phases and deadlines involved in the chargeback process. Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that includedThe chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. 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. Discover. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. 190 Acquirer Use of Message Reason Code 7627-No MAC Provided. Description: Reason Code: Explanation: Incorrect Card Number: American Express P01, P22; Discover IN; Mastercard 4808; Visa 12. Feel free to submit topic suggestions, questions or requests for advice to:. Not only do you need to know how long the timeline is, but you also need to know when the clock. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involving The new reason codes follow a format of two digits, a period, then a third digit. Effective for Transactions completed on or after 15 April 2016, A Transaction for which Authorization was obtained after a Decline Response was received for the same purchase. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. 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. There are two parts to this. A chargeback happens when a customer requests for a transaction to be reversed. Goods or Services Not Provided. 1: Fraud (10) EMV Liability Shift Counterfeit Fraud: 10. Below is a list of Mastercard chargeback codes used in eCommerce. pdf), Text File (. Reason code: Explanation: 4853 - Cardholder Dispute:The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. 2. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. . The transaction amount and authorization number (ARN. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. 3 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. American Express is incentivized to keep their customers happy. Vendors that do not. 196 related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. Unlike other. [noun]/* kə • stə • mər • di • spyo͞ot/. 16 Chargeback Reason Code 71 – Declined Authorization. 11, 16. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. 190 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2These chargebacks occur to resolve chargeback-related disputes between network members. Description of Change Where to Look Incorporated the changes annoAdded the following fields - Store ID, Credit Card Chargeback Reason Code. 10. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). 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 andWhen that happens, the issuing bank will gather evidence from the customer and assign a reason code to the chargeback based on the card issuer. So the company has more incentive to side with customer during cardholder. 11, 16. M01 Chargeback Authorization. It depends on the chargeback reason code associated with the dispute. For example, some reason codes offer cardholders over a year to file. 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: Fraud—Card-Absent Environment. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. BIO. The main chargeback reasons look like this: Malicious fraud. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. Reason. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. [noun]/kän takt ləs pā mənt frôd/. Thanks for following the Chargeback Gurus blog. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. It is a valuable resource for anyone involved in the payments industry. Wenn Sie informiert werden, dass ein Chargeback vorliegt, heißt dies, dass die Transaktion vom Karteninhaber storniert wurde. Retail Outlet Services. Double-check calculations and transactions before finalizing them. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. Time limit - 120 days for ISSUER/CARDHOLDER and 30 days for ACQUIRER/MERCHANT. MasterCard Chargeback Reason Codes MasterCard uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors. Each chargeback received a numeric code which is known as the “reason code”. 4859 Addendum, No-show, or ATM Dispute. A chargeback happens when a customer requests for a transaction to be reversed. Please note that each card network (MasterCard, VISA, American Express, etc. Chargeback Guide (PDF) - MasterCard. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. There are four general chargeback code categories: Fraud; Quality; Clerical; Technical; Fraud. This comprehensive guide covers everything from chargeback reason codes to recurring payments and digital goods. Chargeback reason codes. Nachstehend haben wir für Sie die häufigsten Ursachen mit ihren sogenannten Reason Codes aufgelistet. Protect cardholder data. EMV has been a mostly global standard since 2004. . There are over 80 unique return codes, each representing a different return type. While creating the reason codes, the bank asks the customer about the reason for dispute and then assigns a code. Visa Chargeback Codes: 30: Services not provided or Merchandise not received : 41: Cancelled recurring transaction : 53: Not as Described or Defective merchandise : 57:. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. By entering your email, you agree to receive marketing emails from Shopify. Be sure you understand the cardholder’s claim. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive.