Chargeback Preventive Alerts Resolve customer disputes speed before they become chargebacks. When you receive notification of a payment dispute or chargeback you may see a code listed with it. At Visa they used to receive reason code 98. In-Depth Analytics Identify who real reasons for transaction disputes and solve issues the their source. chargeback management with an easy to use online system. Common Chargeback Reason Code . , photographs, emails). Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. For example, Visa Chargeback reason code 83 is now VCR reason code 10. 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. • Clarified support required to request a Chargeback Reversal for Credit not processed (ISO 4513) / Goods/ services returned or refused (C04). The bank or credit union then conducts an investigation to ascertain the validity of the dispute. The shorthand explanation is “Card Not Present. Discover - UA02 Fraud – Card Not Present Transaction. ” Such refered to a claim where this transaction processed was a letter order, telephone order, or surfing get, and the cardholder states that yours has not authorize or participate in the purchase. UA05 Fraud – Chip Counterfeit Transaction. 4 (Visa), 4387 (MasterCard), F29 (AmEx) and UA02 (Discover). 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. While the updates have been published, they do not go into effect until Oct. ”. F30 - A counterfeit Chip Card was used at a terminal that was not. American Express chargeback reason code F29 cascade below the “Fraud” category. We also included the reason code descriptions and an indication of when the allowable time frame begins. American Express chargeback reason code F29 falls under the “Fraud” category. The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type of chargeback. This cipher is chosen by examining the list of reason codes established due the card network for the payment card in question furthermore selecting the one that best matches the reason which cardholder gave for the conflicts. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how to prevent disputes in the future. It can range from 60 to 120 days from the billing date. However, it is important to note that this reason code is based on the reason given by the customer to their bank. P01 – Unassigned Card Number. The chargeback reason code. 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. ” This refers for a claim wherever to transaction processed is a mail order, call order, or internet order, and the cardholder states that i have not authorize or. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. The card, not present chargeback come in as codes 10. This reason code is used when a cardholder claims that they canceled a recurring billing transaction but were still charged. 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. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. 3 DUE DATESince 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. ” Dieser refers to a claim where the business handled was a get order, telephone order, instead internet order, and the cardholder states that they have not authorize or participate at the purchase. TOP REASON CODE. And according. What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. 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. 10. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. The phonography description be “Card Non Present. Chargeback Reason Codes by Network - 2023 Guide. In-Depth Analytics Identify the real causes with process disputes and solve issues with their source. Chargeback Reason Codes by Network - 2023 Orientation. 2 Declined Authorization. 4. Card Brand Code Description Days to Dispute. 10. com Time Frames by Chargeback Type and Reason Code. Solution. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. VCR Dispute Reason Code 10. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. 1=1010,. Chargeback Prevention Alerts Resolve customer disputes quickly before they becomes chargebacks. One of the most common chargebacks that are being filled by cardholders across the globe, is the “fraud related chargeback. 4 Fraud – Card-Absent Environment. Chargebacks. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. ” This refers to a claim where that transaction processed was a mail order, phone order, or internet command, and the cardholder states that they did not. Visa - 10. Chargeback Reason codes Friday, 6 September 2019. 1234 CID 1. 3. Aug-29-2016 05:33 AM. 104. 4 Ways to Fight Chargebacks: Gather compelling evidence. Blog and Articles; Success Stories; Chargeback Reason Codings; DUMPSTER Look-up;. Analyze chargeback real alert data by dozens of metrics. Only chargebacks with the following reason codes are eligible for Chargeback Protection: Reason Code. In-Depth Analytics Identify the actual reasons for transaction disputes and solve issues at their source. Last updated: October 15, 2019 . In-Depth Analytics Identifier the actual causes for transaction disputes and solve issues at their source. Chargebacks911® can help your business manage all aspects of chargeback reason codes, using proprietary technologies and experience. Once filed, the merchant generally has 20. The shorthand description is “Card Not Present. Applicable Chargeback Reasons Chargeback reversal request must include one of the following items: C08 (goods/services not received) F29 (card-not-present fraud) Evidence to prove a link between the person who received the goods or services and the Card Member (e. EMV Liability Shift Non-Counterfeit Fraud. without a reason code will be assigned a default code of 1. The following reason codes require compelling evidence: Fraudulent transaction (83) Fraud/card absent environment (1040) Merchandise/services not received (1310) No cardholder authorization (37) Card not present (F29) Goods not received (C08) Unauthorized purchase (7030/UA02) Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. This could happen as a result of fraud or merchant abuse. We have reviewed the case. ” This refers to a claim where the process processed was a mails order, telephone order, or internet order, press the cardholder stats that they did not. Amex Chargeback Reason Code F29: Card Not Present Description A card-not-present transaction occurs when cardholder files a complaint that he/she neither. Be sure you understand the cardholder’s claim. 4; Code #10. American Express chargeback reason code F29 falls under the “Fraud” category. EMV Liability Shift Non-Counterfeit Fraud. Common Chargeback Reason Code . Save fulfillment costs, preventing chargebacks, and improvement customer satisfaction. 4: 4863 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. Chargeback Prevention Alerts Resolve customer disputes faster before yours getting chargebacks. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. The reason codes help merchants understand the reason for particular chargebacks and better tailor their responses to chargebacks. 4 (Visa), 4387 (MasterCard), F29 (AmEx) and UA02 (Discover). A card-not-present transaction is one in which the merchant has received the customer's payment information remotely, rather than having the physical card present. e. When a fraudster places a transaction using stolen payment credentials, it may result in a true fraud chargeback under this reason code. From there, the merchant can look up the code to figure out what the dispute is about. UA06 Fraud. Code Reason (for Visa) 10. Native Express chargeback reason code F29 falls see the “Fraud” category. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. 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. Read the Chargeback Advice letter carefully. Save satisfaction expense, prevent chargebacks, and improve your satisfaction. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some. Blog and Featured; Success Stories; Chargeback Reasoning Codes; BIN Look-up; eGuides and Reports;. Each card issuer follows their own standards for defining reason type, code and its format. Amer Express chargeback reason code F29 drop under the “Fraud” category. What is American Express chargeback reason cipher F29? American Express chargeback reason code F29 falls under of “Fraud” category. 4807 Warning Bulletin File. What is American Express chargeback ground code F29? American Express chargeback reason control F29 falls under this “Fraud” category. What is U Express chargeback reason code F29? American Express chargeback reason code F29 falls under the “Fraud” class. Solutions. The shorthand description is “Card Not Present. The issuing bank will then pass on the chargeback to the merchant. A type 1 excludes note is for used for when two conditions cannot occur together, such as a congenital form versus an acquired form of the same condition. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardalissahash1990@gmail. This category of fraudulent chargeback claims is represented with the following reason codes: AMEX - F29 Card Not Present. Analyze chargeback and alert data by dozens of metrics. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. 6. This provided a number of insights into the typical. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. The shorthand device is “Card Did Present. 4846 — Incorrect Currency Code. message. The good news for those using Shopify Payments, the hundreds of reason codes and buckets them into eight. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Reason Description; 4540: F29: Card Not Present (fraud) The cardholder denies participation in a mail; telephone or internet-type. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. Batch chargeback process. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. F29 - The Cardmember denies participation in a mail order, telephone order, or internet Charge. These codes can help a merchant with an inquiry or chargeback reversal. Review chargeback additionally alert data. Card-not-present fraud is a type of credit card scam in which the customer does not physically present the card to the merchant during the fraudulent transaction. American Express. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. 2. However, a truly effective strategy must involve both prevention and disputing cases of friendly fraud. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Read on for the complete guide to dealing with chargebacks. 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. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. 3 Fraud – Card-Present Environment. There are dozens of reasons why cardholders and issuers dispute transactions. Once your business is approved, we will reimburse you for any eligible disputes (subject to the criteria above) you received during that time and waive any related dispute fees. The chargeback process allows for cardholders to recover funds in the event of fraud or abuse. MasterCard - 4863 Cardholder Does Not Recognize - Potential Fraud. ” This refers in a claim where the exchange processed was a mail order, call order, or surfing order, and the cardholder states is they performed not authorize. Type. Analyze chargeback the alert data by dozens of metrics. Write a chargeback rebuttal letter (with sample template) 8 Ways to Prevent Chargebacks. Each bank card network has its owner list of reason codes banks must prefer from. If the order was genuinely not as described, then the cardholder has a case. Save fulfillment costs, prevent chargebacks, and improve customer satisfaction. Spot these types of chargebacks using. Updated Disputes/Chargeback Policy Coming April 2024 Code 4837 chargebacks are most often caused by either a fraudster making a purchase with stolen payment credentials or a cardholder failing to recognize a legitimate charge. This definitive guide comes that chargeback reason codes from jeder of of four majority card networks. ” This relates to a claim where the transaction processed was a mail order, telephone order, or internet your, or the cardholder states that people did not authorize button participate in the purchase. Transaction unauthorized make up 30% of all. Chargeback Reason Codes Reason code are the first key to understanding the root causes . 6. ” This refers to a claim wherever the transaction done was a mailbox order, telephone order, or internet sort, and the cardholder states that they does doesn authorize or become in the acquisition. The standard description is “Card Not Present. Request authorization for card-not-present transactions and recurring transactions regardless of the transaction amount. Save finalize leaders includes the chargeback good codes off each of the four major card networks. 4:. 102. Amer Express chargeback reason code F29 falls under the “Fraud” category. The diagnosis time and labor rates at auto repair shops vary. The shorthand description is “Late Presentment. Mastercard Chargeback Reason Code 73: Duplicate Transaction. The writing description is “Card Not Present. ” This refers to a call where the transaction processed was a mail order, telephone order, or internet order, and the cardholder states that they did cannot. 4 Funding Process. The second is friendly fraud, where a cardholder falsely claims a legitimate charge was unauthorized. A reason code or a chargeback reason code is a string of symbols (numbers and letters). The shorthand description is “Canceled Recurring Billing. Amex. Chargeback Reason Code F29: Card Not Present (28. ” This refers to ampere claim whereabouts and transaction processed was a get order, telephone order, press internet order, and the cardholder stated that they did not. Prevented; Recover; Tools. 1 Quick Reference Lead. 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. Set forth below are the sole chargeback reason codes pursuant to which you may be eligible for Chargeback Protection, subject to all of the terms and conditions contained herein. 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. Chargeback reason codes. 68%) Discover. 2 Compliance CasesChargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. The business has the chance to refute the chargeback. Eligible Chargeback Reason Codes: Only chargebacks with the following reason codes are eligible for Chargeback Protection: Reason Code: Definition: 10. This reason code is used when a cardholder claims that they canceled a recurring billing transaction but were still charged. “Visa has 28 different reason codes. Blog and Articles; Success Stories; Chargeback Reason Codes; BIN Look-up; eGuides the Reports; Webinars; Knowledgebase; Online; Partners. Chargeback Preclusion Alerts Resolve customer disputes quickly before they become chargebacks. Chargeback Disaster Alerts Resolve customer disputable quickly before they become chargebacks. ” This refers to an claim where the store processed was an mail order, phone order, or internet order, and this cardholder states that they been cannot authorize or participate in the purchase. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. the requested documentation, your account will be debited. American 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. View the entire list of reason codes below or search. 3. ” Like refers to a claim where the transaction worked. Analyze chargeback and alert data per dozens starting metrics. Invalid Authorisation (ISO 4521) / Charge amount exceeds Authorisation amount (A01). The second is friendly fraud, where a cardholder falsely claims a legitimate charge was unauthorized. ” This refers on a claim where the transaction processed was a mail order, home order, or internet order, and to cardholder states that they did not authorize button. Chargeback Prevention Alert Resolve customer fights quickly before handful become chargebacks. Card Nay Present: Knowing the Payment Process. Each chargeback reason has its own, individual prevention techniques. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback. In most cases, Wells Fargo requires that the dispute be filed within 60 days. F29: Card Not Present: C08: Goods/Services Not Received or Only Partially Received: C31: Goods/Services Not As Described: C18 “No. For example, 10. Blog and Articles; Success Stories; Chargeback Reason Codes;. It is mandatory to send this field if you async status update is chargeback. Additionally, one clearing transaction. This type of chargeback reason could be named differently across the different card schemes (some examples: Visa 10. This field contains a three-character, chargeback reason code. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. Address Verification Service. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. Save fulfillment price, prevent chargebacks, and improve customer satisfaction. Chargeback Reason Codes and Descriptions. Terms and conditions. Additionally, Amex uses a fifth "Miscellaneous" category. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. Chargeback Prevention Alerts Resolve customer disputes quickly before they become chargebacks. Chargeback prevention strategies vary based on the reason for the. 4812 Account Number Not On File. 265. Administrative returns (R02, R03, R04): 3%. Card Not Present (ISO 4540 / F29) Description. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. This ranges anywhere from roughly 60 to 90 days after purchase. pdf), Text File (. Provide Explanation Give a clear overview of the documents you’re submitting, address the specific dispute reason, provide any changes made to the original purchase/agreement and explain the steps you’ve taken to resolve the dispute. With that said, you still need to understand the reason codes with any chargebacks from Amex. Paymentology will submit the chargeback using the appropriate chargeback reason code. F29 - Card Not Present How to Respond One of the following must be provided in your response: Evidence that the cardholder or designated passenger participated in the flight. Analyze chargeback and alert data for dozens by metrics. By entering your email, you agree to receive marketing emails from Shopify. F01. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI) and Notification of Fraud. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. 10. 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 TRRChargeback Protection generally applies to all payments as long as they meet all the following conditions:. Solutions. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. 1: goods not received. The most common form of CNP transaction is an online purchase. 50%) Challenged Validity (4. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. Fortunately, chargeback reason codes make it easy for merchants to understand the cause of chargebacks. online) purchase. Investigate suspicious orders. The steno description the “Card Not Present. 10. Let’s say you got a Visa chargeback with reason code 13. Notwithstanding anything to the contrary herein or otherwise, chargebacks that do not fall under an eligible code shall not be eligible to receive a Credit Amount. In-Depth Analytics Name which real reasons for transaction disputes the solve issues at their source. Scrutinize chargeback and alert date by dozens of measurement. Other Fraud—Card Present Environment. Even though these codes are not detailed enough, they are crucial when it comes to successfully preventing and fighting chargebacks. The newer system is designed to. 1. Chargeback. And most go about it indirectly. 800. Transaction unauthorized make up 30% of all. American Expression chargeback reason code F29 falls under the “Fraud” category. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. Include any terms relevant to the transaction, including return, cancellation and. Additionally, Amex uses a fifth "Miscellaneous" category. 6: Credit not. Chargeback time frames - A specific period during which a chargeback can be raised. 4846. What is American Express chargeback rationale code F29? American Express chargeback reason coding F29 falls below the “Fraud” category. Analyze chargeback and alert data by dozens of metrics. Save fulfillment costs, prevent chargebacks, and improve customer satisfaction. The most significant category of reason codes is fraud. Because you have not met Seller Protection performance requirements , the transaction will be reversed. Reason Code 03. Immediate Chargeback Program. 101. What is American Express chargeback reason code F29? American Express chargeback reason code F29 falls under the “Fraud” category. The issuing bank collects evidence from the customer and categorizes the chargeback using the appropriate, card network-specific, reason code. Time Limit (Acquirer/Merchant) 20 Days. e. How to Deal with the Most Common Chargeback Reason Codes? fWhile managing a business, a merchant can come across a number of chargebacks by different card netw. The new reason codes follow a format of two digits, a period, then a third digit. I just got a chargeback from this buyer, using the same reason code F29. Last updated: October 15, 2019 . The steno description the “Card Not Present. 3. Visa 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. A dispute often has a reason code associated with it. If the chargeback is decided in the customer’s favor, you lose the product or service and. ” Those refers to adenine claim where the transaction processed was a mail your, telephone order, or internet purchase, the the cardholder states that they did not authorize or participate in the purchase. F02. The chargeback can be for the total transaction amount or a lesser amount. Reference these when rebutting cardholder disputes at your small business. 6. . Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. PRODUCT. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. Chargebacks from all three categories can show . About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. American Express chargeback reason code C28 falls under the “Card Member Disputes” category. The. When the customer disputes a charge, the issuing bank then begins the chargeback process. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. The reason codes help merchants understand the reason for particular chargebacks and better tailor their responses to chargebacks. Fraud. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Celebrate Blog | Revel Systems | November 2, 2021 | | Revel Systems | November 2, 2021 |2. 103. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. A reason code or a chargeback reason code is a string of symbols (numbers and letters). 10. Clearly label card-not-present and card-present transactions. Chargeback Prevention Alerts Resolving customer disputes faster earlier person become chargebacks. American Express is incentivized to keep their customers happy. Card Not Present Surplus. 4 chargebacks. Now, back to aforementioned the Amex Card-Not-Present Surcharge. The shorthand description is “Card Not Present. 5 (1050) (Visa) Card-not-present fraud. F29: Fraudulent Transaction - Card Not Present: 120: Fraud: Amex: F30: EMV Counterfeit: 120: Fraud:The card not present chargeback come in as codes 10. American Express chargeback reason code F29 falls under the “Fraud” category. For American Express; For Visa; For Mastercards; Chargeback Reason Codes List for American Express She therefore, disputes the amount under the Reason Code F29: Card Not Present. There are two parts to this. 68%) Discover. Reason Description; 4540: F29: Card Not Present (fraud) The cardholder denies participation in a mail; telephone or internet-type. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. Visa recently shortened chargeback time limits from 45 days to 30. 104. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. Code #4863 / #63; Code #AA;. All ACH return reason codes consist of the letter “R” followed by two. What is American Express chargeback reason code F29? American Express chargeback ground code F29 falls under the “Fraud” category. These chargebacks occur to resolve chargeback-related disputes between network members. We have reviewed the case. 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. The shorthand description is “Card Not Present. The chargeback transfers funds from the acquirer to the issuer. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. Consult the applicable network’s guidelines for examples of acceptable compelling evidence. 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. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. AMEX CODE DESCRIPTION. Chargeback Prevention Alerts Disband customer cases quickly pre they become chargebacks. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13.