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). 2: No Authorization Legacy Code: 71. Type. But why do they happen? 4 common types of hotel chargebacks. MasterCard does not have a reason code that exactly matches Visa’s 80. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. About Discover chargeback reason codes. 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. All chargebacks start with a customer making a purchase in person, in an app, or online. As soon as a customer requests a chargeback, their bank will reach out to the business’s bank and give them a heads-up that the chargeback has been requested. EMV chip cards can be used in combination with PIN. Retrieval: A request initiated by a customer for more information about a charge. While the updates have been published, they do not go into effect until Oct. Save finalize leaders includes the chargeback good codes off each of the four major card networks. Then it chooses the most applicable code for a. ACH disputes pertain to various parties involved in an ACH transaction, which is an electronic funds transfer facilitated. This list was generated 5/4/2022. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. 1. 6: Duplicate processing/Paid by other means. 4. up under any number of different chargeback . Solution. Proof the transaction was. AP Canceled Recurring Transaction. The transaction amount is re-charged to the cardholder’s account, and the funds go back into your bank account. Essentially, even a $50 chargeback can become $125 with all the extra fees. Book a demo with one of our chargeback specialists today. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. / Card-Not-Present Environment RM Quality Discrepancy UA05 Fraud / Counterfeit Chip Transaction RN2 Credit Not Received UA06 Fraud / Chip-and-Pin Transaction >Not Classified UA10 Request Transaction Receipt (Swiped Card Transactions) NC Not. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. 5. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. Fight; Hinder; Recover; Resources. UA06 - Fraud – Chip and PIN Transaction. There be dozens of reasons why cardholders and employers dispute transactions. Some consumer disputes are legitimate complaints about an order that doesn’t go as planned. Key-in your chargeback ground code also get a detailed explanation the what it means, how to fight of chargeback, or wherewith to prevent. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. Articles;The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. Examples of compelling evidence that you may submit in response to a chargeback with this reason code include: Proof you submitted the card security code with the authorization request and the issuer authorized the transaction, even if the code was a mismatch or the code wasn’t verified. A reason code helps explain why a transaction was disputed. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. Values are: Blank: Use the draft G/L date. Partial Immediate Chargeback Program; NOTE: If you receive one of the above chargeback reason codes and aren’t aware of being in a fraud monitoring program, contact your payment processor. Download this sample Chargeback Rebuttal Letter. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. You must tailor your representment case — including the compelling evidence — to the reason code under. 1 = EMV-Liability Shift counterfeit. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. While the format of chargeback reason codes. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from card• Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. This indicates that the merchant didn't respond to an inquiry properly. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. At Visa they used to receive reason code 98. Here finalizing user includes the chargeback reason codes from either of the foursome major card networks. 103. UA06. There are a variety of issues that can serve as the root causes of a chargeback, ranging from fraud to improper card processing to dissatisfaction with the quality of the goods or services provided. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,This definitive guide containing the chargeback reason user from each of the quad major card networks. One catch is that CE3. Here’s how. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Depending on the reason code, chargeback disputes may have different time limits. UA06: Fraud / Chip-and-Pin Transaction: UA10: Request. Solution. Learn which strategies to use as you fight and prevent consumer disputes by reason encipher. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. 265. Below is a list of Mastercard chargeback codes used in eCommerce. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. The list of chargeback reason codes in this article is organized by card brand and type of dispute. A08 Authorization Approval Expired. Let's Talk (833) 643-6387. com Europe. Code UA06 chargebacks are often caused by a fraudster with a stolen credit card targeting a merchant who doesn't have chip-and-PIN compatible payment terminals or convincing a merchant to bypass PIN entry. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. 2? Visa chargeback reason code 12. 1: Use the corresponding dates from the invoice. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. 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. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. The majority includes leader to chargeback reason codes. 5. 4 Fraud – Card-Absent Environment. Paymentology will submit the chargeback using the appropriate chargeback reason code. UA06 Fraud – Chip and PIN Transaction; UA02 Fraud – Card Not Present Transaction; UA01. Make sense of chargeback reason codes using our directory. This process is called. 103. The shorthand description is “Insufficient Reply. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. This scenario applies when the arbitration was raised by either the. 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. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. 4 Ways to Fight Chargebacks: Gather compelling evidence. Discover uses unique codes to explain those reasons to merchants. [1] Sift. It depends on the chargeback reason code associated with the dispute. 11. New Visa CE 3. 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. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Here’s how your store can prevent and deal with chargebacks. 10. Although, this fraud detection tool works after the transaction has come completed. AT Authorization Noncompliance . 0 only applies to reason code 10. Merchants who believe they have received an invalid chargeback under reason code 12. Chargeback Base Codes by Network - 2023 Guide. Consumer Disputes. Otherwise, the acquiring bank sends a chargeback notification. 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. A refund is directly from merchant to cardholder, whereas a chargeback involves the bank and an investigation of the transaction. It's essential to respond within the. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. Once filed, the merchant generally has 20 days to respond. Partnerships; Integrations; About. Chargeback Reason Codes by Industry. In most cases, though, cardholders have 120 days after the original purchase date to dispute the charge. Clerical The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. 7. reason code information. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. According to one study, the average chargeback ratio for the travel industry is 0. Protect stored cardholder data. 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. Before the cardholder can file a chargeback, they must give a reason to their card provider. 4: 4863 Discover Chargeback Reason Codes Explained. The reason_code field lists the reason code the issuing bank has assigned to the chargeback. That most comprehensive guide at chargeback reason keys. Either the acquiring or issuing bank could initiate the chargeback. And, each code has unique compelling evidence requirements if you choose to fight. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. 10. ”. Most banks, however, extend the benefit of the doubt to their customers and will allow the chargeback in most cases, so long as the. Analyze chargeback and alert data until dozens of metrics. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. The cardholder initiates contact with their bank or credit union to file a dispute. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. There are tricks you might use to circumvent an. The assigned chargeback reason code outlines why a customer submitted the dispute. The most comprehensive guide to chargeback reason encryption. Fraud – Chip and PIN Transaction. High-Risk (Excessive): Reaching a chargeback ratio of. As soon as a customer requests a chargeback, their bank will reach out to the business’s bank and give them a heads-up that the chargeback has been requested. The newer system is designed to. 8/7/18 Updates to Debit Chargeback Reason Codes. Updated August 23, 2023. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,Chargeback. A new 4 byte reason code will be used moving forward. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. Visa chargeback reason code 75 is filed as an honest mistake. For each reason code, a definition is Chargeback Chargeback reason codes can be confusing, especially since each >> card network has their own designations. Chargeback Reason Codes by Mesh - 2023 Guide. UA06 Fraud: Chip and PIN Transaction . Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Card Brand Code Description Days to Dispute Dispute Category;. reason codes. Reason Code 12. 10. UA06: Fraud - Chip and PIN Transaction: UA11: Cardholder Claims Fraud: American Express Chargeback Reason. 1. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. American Express chargeback reason code C42. 4. In short, chargebacks are costly. Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. You could also end up submitting the wrong evidence, which will cost you time, money, and standing with the bank. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. Proof you used Address Verification Service to validate. Chargebacks911® can help your business manage all aspects of chargeback reason codes, using proprietary technologies and experience. 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. Each chargeback is assigned a reason code that explains the justification for the chargeback. Chargeback. Even if the. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Reason Code 11. A chargeback filed due to buyer’s remorse is a prime case. Reason Code UA06 Category Fraud Claim The cardholder possesses a PIN-preferring credit card, but your POS is either not PIN-enabled or allows the shopper to bypass the PIN entry. It’s easy to feel overwhelmed by chargebacks. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. Step 1: The cardholder disputes a charge. Contact us here or call us at 1. It gets worse. Chargeback prevention strategies vary based on the reason for the dispute. If Verify+ detects a mismatch or other dubious operation, the company will notify thou. 4: . Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. 1. Respond to invalid disputes. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Chargeback Reason Codes by Network - 2023 Orientation. 0) Digital usage logs; ContractsThe CB Reason represents the default reason for marking the transaction as a chargeback, but this default value can be changed. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. 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. Pre-arbitration (pre-arb): When the customer challenges a chargeback won by the business for a second time. American Express – Consumer Disputes: C02 – Credit Not Processed C04 – Goods or. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. Chargebacks: Your Guide to Reducing Hassle and Cost. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. 3 No Authorization. All ACH return reason codes consist of the letter “R” followed by two. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. Now, compliance cases go through Visa Resolve Online (VROL). The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. Fight; Prevent; Recover; Resource. 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 A reason code or a chargeback reason code is a string of symbols (numbers and letters). Visa Chargeback Codes. 1. 102. 4 Fraud – Card-Absent Environment:These reason codes are divided into three categories depending on the supposed cause of a chargeback: consumer disputes, processing error, or fraud. Midigator has created a database of reason codes. Chargeback Reason Codes by Network - 2023 Guide. 9905. A number of factors contribute to a high chargeback ratio. Therefore, it is essential for merchants to have a clear. Read on for the complete guide to dealing with chargebacks. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Other Fraud—Card Absent Environment. Specify the default reason code to. Dubbed "Compelling Evidence 3. Submitted: The response has been sent and the issuer is. Solutions. 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. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. Try Shopify free for 3 days, no credit card required. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. 1. Discover - RG Non-Receipt of Goods, Services, or Cash. 0. Reason codes are important to help merchants address recurring. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 350 E Street, Suite 200 Santa Rosa, CA 95404. Chargeback reason codes. The reason code. 3 MasterCard Retrieval Reason Codes. . A chargeback happens when a customer requests for a transaction to be reversed. Chargeback . Issuer Review; Allocation. They’re projected to cost merchants nearly $118 billion every year by 2023. Fight;. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. When one cardholder initiates a dispute with their issuing bank, a. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. 0" or CE3. Be sure you understand the cardholder’s claim. 4512:chargeback management with an easy to use online system. In most cases, the bank chooses a course of action based on information the cardholder provides. 11, 16. by Colin O'Keefe Apr 16, 2022 Discover Chargeback Reason Codes Explained Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. Learn about the different chargeback reason codes and what they mean. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. Stage #1: Awareness - be aware of the chargeback response time limitUnfortunately, it is pretty challenging to prevent friendly fraud. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Most commonly the payer is a consumer. manual processing by uploading chargeback documents instantly. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. Once you submit the documentation to Wave, our Disputes Resolution Team will work on the case, and submit the required information to the bank on your behalf. Both EFM and ECM measure compliance at the MID level. Write customer-friendly policies. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. Visa chargeback reason code 11. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. EMV chip cards can be used in combination with PIN entry to validate the cardholder’s identity and prevent fraudulent transactions. Visa Code # MasterCard Code # Reason. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. 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. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. 10/10/16 Updated: Add. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. If you've determined the chargeback is meritless, and you know the reason code, below are the five stages of an effective chargeback representment. This definitive guide includes the chargeback reason codes coming each of the four greater menu networks. As we touched on earlier, chargebacks can happen due to technical errors. Additionally, Discover uses a fifth "No Classified" category. As chargeback time limits get shorter and shorter, automated technology will become more and more valuable. Mastercard also considers some chargeback reason codes to be indisputable. In the case of friendly fraud, that reason could be completely invalid and. ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. 104. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. Reason codes. Duplicate Processing - 81There are over 80 unique return codes, and each one represents a different type of return. 3 is the less common version for card-present transactions. 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. Analyze your chargeback data. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. A chargeback happens when a customer requests for a transaction to be. 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. Different card networks have different reason code systems. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. EMV Liability Shift Non-Counterfeit Fraud. Learn which strategies to application the you battle and prevent consumer litigation by cause code. The cardholder alleges they never received the products or services. 3. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Blog and Articles; Success Stories; Chargeback Reason Codes; BIN Look-up; eGuides the Reports; Webinars; Knowledgebase; Online; Partners. Based on the information provided, Paymentology will investigate the transaction being disputed. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. Unauthorized returns (R05, R07, R10, R29, R51): 0. Discover Reason Code UA06 – Fraud: Chip and PIN Transaction; American Express Reason Code FR2 – Fraud Full Recourse Program. Number two: Product Not Received 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. EMV Liability Shift Counterfeit Fraud. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. Chargeback Reason Key by Network - 2023 Guide. 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. Click the Update Chargeback link to edit the chargeback details. When you receive notification of a chargeback, the first thing you want to do is look up the reason code. In Merchant News and Info, Credit Card Processing Chargebacks are a part of business life. 4853 – Cardholder Dispute – Credit Posted as a Purchase. 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. 1. Spot these types of chargebacks using the below reason codes. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. 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. pdf), Text File (. Key-in is chargeback reason key and get a detailed explanation of what i means, how to fight the chargeback, also how to prevent disputes in the future. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. Find chargeback reason codes are divided into three categories:. Discover Chargeback Reason Codes. The most comprehensive guide to chargeback reason codes. These codes are broken down into five different category. UA06: Fraud/Chip-and-Pin Transaction. Those reasons are explained through the corresponding reason codes. 105. Reason codes are important to help merchants address recurring. Discover Chargeback Reason Codes Fraud UA01 Fraud – Card Present Transaction UA02 Fraud – Card Not Present Transaction UA05 Fraud – Chip Counterfeit Transaction UA06. Card 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. Each bank card network has its owner list of reason codes banks must prefer from. Chargeback or chargeback dispute: A claim against a transaction initiated by a customer with their bank, resulting in a forced payment reversal. IN. A reason code is how banks categorize the reason for a chargeback. By entering your email, you agree to receive marketing emails from Shopify. 2. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. Reason codes vary by card brand. Mastercard Chargeback Reason Code 71: Disputed Amount. ) A no-nonsense summary of evidence that proves transaction is legit. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. View the entire list below or search for any reason code. And according. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. Use order validation and prevention alerts. 1 Merchandise/ Services Not Received. These are only a handful of common Visa chargeback reason codes. 102. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. 4. The incorrect amount being charged. 2 chargeback if you override a declined, referral, or pickup authorization message, but process the transaction anyway. #9. Complete Guide to Visa Compelling Evidence Update CE 3. 15, 2021. Every chargeback has a reason code associated with it. ©Click “filter orders”.