1 Quick Reference Lead. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Chargebacks happen when a customer disputes a transaction and requests a refund. paper processing and mailing costs. 1 Purpose of This Guide 1. ”. Lucia to 135 XCD • Increasing the CVM Limits in Sint Maarten (Dutch Part) to 90 ANG Chapter 2: Average chargeback rates; Chapter 3: Chargeback Reason Codes Guide; Chapter 4: American Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Reason Codes; Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10. ”. 11. Once the 16-digit virtual card number is generated, tap “accept. Card Absent - Fraud Dispute: 10. Reason. ”. The shorthand description is “Warning Bulletin File. The role your bank or credit union plays in the chargeback process. Expedited Dispute Resolution forms will not be allowed. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and believes that the transaction was fraudulent. Accepting recurring transactions is enough cause for acquiring banks and processors to label you as a “high-risk” merchant. There are four primary phases to a Visa dispute: After Visa adopted VCR processes, most card networks altered their dispute cycles to be more in line with that used by Visa. Chargebacks911 can create a customized solution to fit your specific. Learn more about Mastercard chargeback reason codes. 4841 Canceled Recurring or Digital Goods Transactions. The chargeback transfers funds from the acquirer to the issuer. 4808 - Authorization Related Chargeback. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. e. Chapter 2: Average chargeback rates. American Express chargeback reason code C02 falls under the “Card Member Disputes” category. The newer system is designed to. Reason codes are very crucial to assist. For perspective, the next highest. Time Limit in Calendar Days. [noun]/cē • vē • vē • tö • kōd/. American Express Chargeback Reason Codes 32 Appendix F Discover Chargeback Reason Codes 41 . In most cases, these fees are non-refundable and must be paid, even if the merchant proves the dispute was. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. Any of those things could easily result in a recurring billing chargeback ( Reason Code 13. American Express and Discover don’t have as many brand-supported chargeback prevention tools as Mastercard and Visa. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. ”. ”. This cannot change once the value is set. Visa, Mastercard and Maestro each have their own set of reason codes for chargeback cases. Reason Code: Numeric: Code for the chargeback request (see below). ECM monitors first presentment chargebacks regardless of reason code or transaction type. This code is used when the cardholder claims that they returned merchandise, but the merchant did not provide them with a refund or replacement. 3 Training Options 2 LIFECYCLE OF A TRANSACTION 2. If you believe you have received an ACH return in error, you can contact your bank. pdf from ACC 103 at Stevens-Henager College. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. Stop fraud, break down data silos, and lower friction with Sift. Updated Merchant Rights for these MasterCard Codes: 37, 63. ” This code indicates the cardholder placed an authorized card-present transaction with a merchant but received one or more additional non-authorized transactions within the next fifteen minutes. 1, which covers duplicate processing errors, and 12. The EFTA was first enacted in 1978. ”. It may also be used if the. The shorthand description is “Transaction Not Recognized. Chargebacks were originally initiated as a means of providing consumer protection from fraud. The cardholder files a chargeback because the credit card was expired at the time of the transaction. This reason code means that the cardholder is claiming that the merchant never provided the goods or services that they paid for. We say the given reason because it may or may not reflect the true reason. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. providing the credit card information is the rightful cardholder, nor is it an unconditional promise or guarantee that you as a merchant will not be subject to a chargeback or a debit. 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. 4866: Fraud Chip Card Counterfeit Transaction: A cardholder is claiming that they did not authorise or participate in a transaction that you processed. The small business’ guide to credit card chargeback codes. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Visa chargeback reason code 53 falls under the “Consumer Disputes” category. 1 Chargeback Requirements 5 CHARGEBACK PROCESS Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. 4 Fraud – Card-Absent Environment. The third digit indicates the specific reason within that category. Expedited Dispute Resolution forms will not be allowed. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Today, there are several other reasons why chargebacks occur. The shorthand description is “No Cardholder. This would be filed using reason code 12. 4808: Authorization not obtained Here, the charge did not go through because of authorization issues. Accidents happen, and it’s. Appendix Laser Chargeback Reason Codes 23 13. A02 No Valid Authorization. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. 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 andMastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. Card networks send these codes to. UA05 Fraud – Chip Counterfeit Transaction. The financial impact of fraud and chargebacks becomes greater during a recession. Changes to “no cardholder. wessneijder • • 6 yr. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. 75: Cardholder does not recognize transactions. This guide is updated regularly to reflect the latest rules and. Each card company has its own chargeback reason codes. 83: Fraudulent Mail/Telephone/eCommerce Transaction. Mastercard chargeback reason code 4870 is one of the numeric labels assigned by banks to each customer dispute, indicating the given reason for the claim. 4808: This code can refer to: Account Number Not on File. R21 Late Chargeback Response R22. Prevent Chargeback Issuances. A chargeback occurs when a customer disputes a charge from your business on their credit or debit card. Chargeback Reason Codes. 1. We’ll start with the bad news: Chargebacks increase by over 20% each year. . This will hit merchants the hardest, as they will bear nearly two-thirds of those losses. 4, 37, F29, U02: Cancelled Recurring: 13. Transaction Amount: Decimal 0. ” This code indicates that a counterfeit chip-and-pin card was used to make a purchase from a merchant who didn't follow the proper procedure for chip-and-pin. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. Reason code explanations can be found on MasterCard's website. 1 Purpose of This Guide 1. This means providing evidence that will undermine the cardholder’s claim. Expedited Dispute Resolution forms will not be allowed. 4% decrease: Algeria: 3. An example of a chargeback is when a credit card holder contacts their bank to dispute a charge that was made on their account without their permission. In fact, 91. This helps you keep your Mastercard chargeback rate low, which will reduce your operating costs and keep your processing rights secure. After the introduction of Visa Claims Resolution, Visa set the goal of resolving all disputes in less than 31 days. 4, 13. A02 No Valid Authorization. Mastercard will reduce the time frame to file a chargeback for reason code 4834 (Point of Interaction Error) from 120 days to. 2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. 29. Use this guide as a resource to quickly identify a chargeback reason code from Mastercard. 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. In 2020, MasterCard revised their chargeback rules and eliminated the “second chargeback” step. In fraud cases, the cardholder’s liability is limited by law to $50 for a credit card transaction. Of course, many banks offer “zero-liability” cards to cardholders, meaning the bank protects the cardholder from any loss. 10. It is associated with a chargeback reason code and it is specific per Card Scheme. The customer’s card issuer has declined the transaction and requested that your customer’s card be retained. 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. 2, which specifically deals with transactions billed by other means. For example, Goods or Services Not Provided was once legacy reason. Processing recurring payments increases your susceptibility to chargebacks. FR2 Fraud Full Recourse Program. 4846. Representment Documentation. Reason Code 03. These codes are notoriously inaccurate; in fact, first-party fraud is predicated on reason codes being inaccurate. In the Mastercard chargeback process, an issuer can escalate a dispute and file a Pre-Arbitration case. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. Credit card fraud is a big problem for eCommerce merchants, leading to many true. 3: Not as described or defective. This code collects all the. Chapter 6: Visa Chargeback Reason Codes. Only chargebacks with the following reason codes are eligible for Chargeback Protection: Reason Code: Definition: 10. Code 4807 was used to cover various authorization-related. 51% + 10¢ Visa Rewards Traditional: 1. . Mastercard Chargeback Reason Code 70: Chip Liability Shift. The most effective chargeback professionals can deliver customized solutions for chargeback management with every facet of your dispute process. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. 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. 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. 1. This chargeback will include a description that provides additional information: Digital Goods $25 or Less; Cardholders can dispute digital goods transactions of $25 or less (or the equivalent in local currency) if certain purchase controls were not put. Step 2 | Identify the Reason Code. The following reason codes require compelling evidence: Fraudulent transaction (83) Fraud/card absent environment (1040) Merchandise/services not received (1310) Code 4807: Fraudulent Card-Present Transaction. Appendix Maestro Chargeback Reason Codes 22 12. Merchants will still have 45 days to respond to chargebacks and 30 days to respond to retrievals. Each chargeback is assigned a reason code that explains the justification for the chargeback. chargeback management with an easy to use online system. This factsheet provides information about COVID-19 and chargebacks, including: What you should do before requesting a chargeback. 4 MasterCard is eliminating Reason Code 02 – ‘Required Information Illegible or Missing’ Ch. The merchandise was as described or was not defective. 4 MasterCard Reason Code 08 will be renamed to ‘Authorization-Related Chargeback’ Ch. The sales receipt and/or date and amount of the authorization if other than the transaction date. 4863: Cardholder Does Not Recognize—Potential FraudThe chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Overall returns (all codes): 15%. 80% + 10¢ Visa. for chargeback reason code 4863 (Cardholder Does Not Recognize). Response Code: 37 - Contact Acquirer Security Department, Retain Card. This is perhaps the most common claim associated with disputes and chargebacks. Chargeback is the process of a bank sending a back a debit or credit card transaction through Visa, MasterCard, Amex, etc. 4 – Counterfeit Merchandise, which applies only to physical products. 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. Reason Codes: 23 / 37 / 61 / 83 Account numbers do not match After swiping a card, if the card number displayed does not match the number embossed on the face ofDo you want to know how to handle chargebacks as a merchant? Download the Mastercard Chargeback Guide - Merchant Edition, a comprehensive resource that explains the chargeback process, the reasons, the time frames, and the best practices to prevent and dispute chargebacks. The reason is simple: unlike larger rivals like Visa and Mastercard, American Express serves as an issuing bank and provides payment-processing services to merchants. How to test a dispute. 4: Other Fraud–Card-Absent Environment. Expedited Dispute Resolution forms will not be allowed. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. In fact, CNP fraud now accounts for a staggering 80% of all fraudulent transactions in the US. It takes more effort to convert 25 cards to cash, each valued at $20, than one gift card valued at $500. 1 for Visa transactions, or reason code 4834 for Mastercard. UA06 Fraud – Chip and PIN Transaction. The act serves as the legal basis for the chargeback process. It’s not unreasonable, though; after all, if you’re the common denominator. Reason code 37 is not allowed for AFD transactions with CAT Level 2. Description of Change Where to Look • Increasing the CVM Limits in St. chargeback: The buyer filed a chargeback with the credit card issuer. The shorthand description is “Goods/Services Damaged or Defective. What is Mastercard chargeback reason code 4807? Mastercard chargeback reason code 4807 falls under the “Authorization” category. 37%: 72. The shorthand description is “Declined Authorization. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. You must keep in mind, though: the reason code seldom gives the full story behind the chargeback. Mastercard chargeback reason code 4841 falls under the “Cardholder Disputes” category. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. The bank or credit card provider will issue a reason code based on any of these four categories based on the cardholder’s claim when they challenge a transaction and initiate a dispute. During an economic recession, the average percentage of revenue lost to a fraudulent transaction increases by 39%. 1 Transaction Flow 2. mastercard chargeback reason code 37. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. 7 Violation for Coercion Claim. The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds: Reason Code 06: Currently unused--Reason Code 07: Fraud Conviction: One of the business's owners was convicted of criminal fraud: Reason Code. The better news: Merchants have the option to challenge said chargebacks and, when successful, reclaim money lost. 4812 Account Number Not On File. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Mastercard Visa Transaction modifiers Support and contact information 02 03 04 32 46 58 71 86 Contents. The code can be used in multiple specific situations, many of which had their own individual codes at one time. 6. Cardholder Disputes. It allows an independent third party (card network) to review the case and make a. chargeback reason codes REASON ODE ENCYCLOPEDIA sift. Ready to Start Preventing. 2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. 1 Revised some Mastercard Chargeback Reason Codes/descriptions. Check out how easy it is to complete and eSign documents online using fillable templates and a powerful editor. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. In the early 1990s, the biggest fraud challenge was the rapid rise of payment fraud via counterfeit transactions. This type of chargeback reason could be named differently across the different card schemes (some examples: Visa 10. 1 to RC 11. The small business’ guide to credit card chargeback codes. In some cases, the agency will have no recourse for disputing a chargeback initiated by MasterCard or Visa. All received credit card disputes include a reason code. F02. Acquirer Use of Message Reason Code 7623. Acquirer Use of Message Reason Code 7623. Each chargeback comes with a code that designates the reason it was filed. Administrative returns (R02, R03, R04): 3%. Paymentology will submit the chargeback using the appropriate chargeback reason code. MCC 5815 — Digital Goods: Media (Books,. MasterCard chargeback reason code 4540. The key is finding the right partner. Use this guide as a quick resource for Visa chargeback reasons at a. Reason codes. 6. The high-value transactions and advance bookings common in travel also contribute to a higher risk of chargebacks. Credit card fraudsters have some new tricks up their sleeves. 195 Acquirer Use of Message Reason Code 7627. 1 EMV Liability Shift Counterfeit Fraud 81(3) 10. Reason codes 30, 53, 81, 83: Evidence such as. Card networks send these codes to merchants to indicate why a chargeback has been filed. R03 Insufficient Reply. The issuer generates a claim, then transmits it to the merchant’s acquirer, as well as to Visa, as a means of noting all reported fraud incidents tied to the merchant. 100007:. includes a Retrieval Request Reason Code providing additional information concerning the cause of the request and in some cases, the required documentation (see Table 2-1 and Table 2-2). ”. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. The most relevant Mastercard chargeback codes for the majority of merchants can be broken down into four main categories—authorization, cardholder. • For Visa Allocation reason codes (RC 10. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and. 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. Some acquirers, processors or PSPs may just provide the last two digits of the reason code in their data reporting, as that is all that is needed to distinguish between the reason codes and recognize the chargeback description. Documentation must be a direct result of cardholder communication. 4 –. 11. 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. September 2011: 5. It can range from 60 to 120 days from the billing date. If a merchant does not submit the required pieces of compelling evidence, it is unlikely that the card brands will rule in the merchant’s favor. Disputes are a chargeback category. M10 Vehicle Rental – Capital Damages. MasterCard uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and. That doesn’t count sales involving debit and prepaid cards, which add nearly $2 billion more to the total. 2025—Mastercard Rebranding of the Recurring Payment Cancellation Service” that included. MasterCard Chargeback Reason Codes. mastercard dispute form. Only use EMV-compliant terminals. A payment capture is the legally binding point at which transactional funds move from a cardholder's account into a merchant’s account. The shorthand description is “No Reply. 1 applies when the issuing bank receives the same transaction more than one time. 5158. 0. Responding to Mastercard Reason Code 4853 Chargebacks. Visa chargeback reason code 13. This can happen if the card was actually. Each of these causes has a designated. Reason Code Reason Description; 4752: Does not Recognize: The cardholder claims that they do not recognize the transaction and states that they did not authorise the charge to their credit card. The average chargeback fee is around $25. Visa chargeback reason code 30 falls under the “Consumer Disputes” category. 5 Visa Fraud Monitoring Program. An example of a chargeback is when a credit card holder contacts their bank to dispute a charge that was made on their account without their permission. Combine card acceptance rules compliance with the latest technology to shift fraud liability is the number one method to prevent. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. 4849 – Questionable Merchant Activity – Mastercard Rule 3. The Mastercard Dispute Resolution Initiative is designed to improve the process of handling credit card disputes, reduce the time it takes to resolve them, and prevent many illegitimate disputes from being filed. Reason Code 04. Travel & Hospitality. “Non Fraudulent” ChargebackDepending on the circumstances, chargeback fees typically vary anywhere between $5 and $100 per incident. 44%: 58. What Are Chargeback Reason Codes? Chargeback reason codes identify the general reason behind a chargeback. American Express chargeback reason code R13 falls under the “Inquiry/Miscellaneous” category. The use of this reason code indicates that the merchant did not obtain authorization approval for a transaction, or that the authorization request was sent after the transaction date. Each reason code has its own regulations set by the relevant card scheme. Chargebacks. Mastercard Chargeback Reason Codes. It is a valuable resource for anyone involved in the payments industry. These codes tell you why the transaction is disputed. Detecting Credit Card Fraud: 15 Steps to Follow for Safer, More Secure Transactions. What is Mastercard chargeback reason code 4812? Mastercard chargeback reason code 4812 falls under the “Authorization” category. 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 and Mastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. mastercard chargeback reason code 37. Thursday, February 10, 2022. 4% decrease:. 5 Visa Fraud Monitoring Program Authorization Reason Codes. 4859 Addendum, No-show, or ATM Dispute. Yes, it’s possible to win a reversal on a. 3: Incorrect Currency. It depends on the chargeback reason code associated with the dispute. Mastercard chargeback codes are broken up into many categories, but there are four that relate most to merchants: Authorization-related. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. It’s even more frustrating if you don’t understand what the chargeback code means. A credit card dispute (or chargeback) occurs when a cardholder registers a formal complaint against a merchant regarding a. Mastercard is one of the world’s most widely accepted forms of payment, with over 190 million merchants accepting the card globally. 4, MasterCard 4837, AMEX F29, Discover UA02, and so on). The cardholder initiates contact with their bank or credit union to file a dispute. Chargeback reason codes have changed. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. To provide a successful chargeback representment case, Visa and other credit card companies allow (indeed, they urge) merchants to provide compelling evidence to support their case. Chargeback reason code 4853/Credit Not Processed applies to situations where customers claim they are owed a refund or other credit that has not appeared, but do not feel the issue being resolved by the merchant. This code indicates that the merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, and submitted the transaction anyway. “It’s a lot tougher with. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. F02. Credit card authorization is a notification given by a credit or debit card issuer (i. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. United States; 18167 US Highway 19 N; Clearwater, FL 33764; 877. 2 Chargeback Timeframes for MasterCard Note: days are calendar days, not business days Timeframe Activity Day 0 Acquirer processes transaction. Also, as the largest credit card network in the world, Visa are within their rights to dictate rules within their network. What is Mastercard chargeback reason code 4849? Mastercard chargeback reason code 4849 falls under the “Fraud” category. 3 No Authorization. A few select Mastercard chargeback reason codes have different Masteracrd chargeback time limits. 11, 16. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. 0: Changed report name from Downloadable Dispute Report to Case Report. 2 Declined Authorization. The client will send this dispute to Paymentology’s Global support team via email – [email protected] chargeback reason code for Mastercard: 4855 Goods or Services Not Provided 120* 45 MasterCard Chargeback Reason Code 4855 Time Limit Modifiers. The shorthand description is “Services Not Provided or Merchandise Not Received. There are two important time limits to be aware of when it comes to Discover chargebacks: the first is the time limit for filing a chargeback, and the second is the time limit for responding to a chargeback claim or ticket retrieval request. The shorthand description is “Warning Bulletin File. Monitoring programs temporarily suspended; July – October 2019. For a debit card, the fraud liability is $500 if reported within 60 days. 16, 2021. The typical claim under this reason code would be that. If the merchant attempts to force a transaction through after the presentment window, the bank may respond with a “late presentment” chargeback. MASTERCARD Dispute Reason Codes. Reason Code Description. Chargebacks are a reality of running a small business, and a. This second chargeback is what was commonly referred to as a “pre-arbitration chargeback. Take the time to note the following dispute reason codes for Visa. The second is friendly fraud, where a cardholder falsely claims a legitimate charge was unauthorized. 3 Other Fraud – Card Present Environment 83(1) 10. 70% + 10¢ Visa Credit Card: Keyed Rate (card not present) Visa Credit Basic: 1. . 2, 41, C28, AP: Not as Described: 13. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. Amex continues to operate as both a card network and a bank. Chargebacks. The chargeback reason codes below explain why this happened. Using the same link provided above, contact PayPal to report the scam. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate. R13 No Reply.