Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. 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. Any chargeback that is received without a reason code will be assigned a default code of 53. Please refer NPCI OC- 93 for details. Chargeback Reason Codes by Network - 2023 Guide. The chargeback process can last from one month to six months. 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. However, they don’t address the reason why that chargeback was issued in the first place. Responding to Mastercard Reason Code 4853 Chargebacks. Each network’s reason codes, however, can beVisa Chargeback Reason Codes. REQUEST A DEMO. 2. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. reason_description: string. 3: Goods or services were not received: C08: RG: 4855: 13. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. 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. Fight; Prevent;. Chargeback Reason Code . C08 – Goods / Services Not Received or Only Partially Received. Visa chargeback reason codes. Visa Chargeback Reason Codes; MasterCard Chargeback. C18 – “No Show” or CARDeposit Cancelled. The chargeback reason code. 4. Return fraud happens when consumers bring an item (or items) back to you to request a refund in the form of store credit or cash. Be sure to send your supporting . This means that the cardholder is claiming that they canceled their order for the merchant’s goods or services, but the merchant did not provide a refund. Improve chargeback-resolution time. ) A no-nonsense summary of evidence that proves transaction is legit. American Express Chargeback Reason Codes. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. Increasing Costs and Draining Internal Resources. CE 3. Chargeback Reason Codes by Network - 2023 Guide. Reason Code C02 Category Cardmember Dispute Claim The cardholder claims the merchant was to issue a refund, but the amount hasn’t been credited to the card. These are only a handful of common Visa chargeback reason codes. Written by Chargeback Curators. 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. There are multiple situations in which this can occur. A02 = No valid authorisation. At Visa they used to receive reason code 98. Most reason codes apply to any merchant, regardless of what’s being sold. FIGHT What compelling evidence is needed to respond? AMEX CODE A08 (Chargeback) CATEGORY Authorization AMEX CODE C02 (Chargeback) CATEGORY Authorization DESCRIPTION Authorization Approval Expired What it means The authorization has expired before the transaction was submitted. CODE: DESCRIPTION: A01: Charge Amount Exceeds Authorization Amount. Once you hear from us, you’ll . About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. Chargeback reason codes. Either the acquiring or issuing bank could initiate the. AMEX C02 Credit not Processed Cancelled/Returned by Cardholder YES YES American Express chargeback reason code C28 falls under the “Card Member Disputes” category. United States. Offer shipment and delivery tracking. 2. R02 Account is closed, R03 No account on file, R04 Invalid account number. The network hasn't wholly disallowed some old codes. Contact us here or call us at 1. Code description a01 charge exceeds authorization. 4853 – Cardholder Dispute – Goods or. • Updated support documentation for Paid Through Other Means (ISO 4515 / C14). Fraud: Fraudulent Transaction: P08: Processing Error: Paid By Other. A notification of change (NOC) occurs when the bank sending funds notifies the bank receiving funds that some portion of the once-valid information has changed. Take the time to note the following dispute reason codes for Visa. A01 | A02 | A08. Visa ® has launched the CE 3. Chargeback Reason Coded by Network - 2023 Guide. In fact, 91. You’ll put that reason code, the transaction amount and authorization number, and state that the. 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. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. These are all the known American Express chargeback codes. supporting documents that might reverse the. Number two: Product Not Received chargebacks. If the merchant has a signature showing that the order was delivered, or evidence that the. To help you identify what happened, look up the code you received for the dispute below. This reason code means that the cardholder claims that they were billed for lodging services that they had already canceled. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. What is a chargeback? Learn about chargebacks and find valuable tips and information on retrieval requests and prevention at WellsFargo. Chargeback reason codes can change with new information. Cardholder-Activated Terminal (CAT) 3 Device. Visa Chargeback Life Cycle. Chargeback Reason Codes and Descriptions. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. For example, 'R04' indicates that an invalid account number was. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. 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. Complete Guide to Visa Compelling Evidence Update CE 3. Clerical C02 – Credit Not Processed. R07 – Authorization revoked by customer. ACH return code R13 indicates the transaction includes an invalid ACH routing number. The shorthand description is “Transaction Not Recognized. Reason codes are important to help merchants address recurring. Note. Reason Code 53: Not as Described or Defective Merchandise. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. About American Express chargeback reason codes. Visa groups its chargeback codes into four. 1 Allocation Fraud and Authorization related chargebacks will be processed through an automated workflow. Check the chargeback reason code. Here are some chargeback reason codes by card type. For card-present transactions, clearly disclose the cancellation policy on the transaction receipt. ”. Reason. For this reason, you must document all debit and credit card transactions and adhere to the strict rules set by the card networks. 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. You must tailor your representment case — including the compelling evidence — to the reason code under. Visa chargeback reason code 75 falls under the “Consumer Disputes” category. ACH Return Codes. Or contact your account manager. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. Choose the representment amount. Other Fraud—Card Present Environment. Chargeback Base Codes by Network - 2023 Guide. Each chargeback reason has its own, individual prevention techniques. • Removed reason code 4840 (Fraudulent Processing of Transactions) Chapter 1—General Information. Dec 6, 2021 — Betty's bank issued the chargeback for $9. 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. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. Status: Status Details: Disputing on Your Behalf. A Complete Listing of all American Express Chargeback Reason Codes Prohibited Business Types American Express Tools That Help Prevent Chargebacks. 4 Fraud – Card-Absent Environment. How do you use reason codes? A chargeback often has a reason code associated with it. There are over 80 unique return codes, and each one represents a different type of return. Articles; Chargeback Reason Codes;. The merchandise was as described or was not defective. 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. 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 Quick Reference Lead. Process Flow for P2M:- Issuer Banks: Can raise chargeback with reason code 1065 (If customer is expecting compensation for non-fulfilment of goods/services. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). Midigator has created a database of reason codes. Investigate suspicious orders. 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. As expected, chargeback reason codes exemplified consumer sentiment. Amex chargeback reason code C02 is applied when issuing bank gets a notice from the cardholder that merchandise was returned, but merchant hasn’t refunded, or credit hasn’t. *These networks do not have specific reason codes assigned to dispute; however, any retrieval that is received without a reason code will be assigned a default code of 1. Overall returns (all codes): 15%. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. VCR Dispute Reason Code 10. UA05 Fraud – Chip Counterfeit Transaction. com. most common reason codes for recurring merchants include: 7. 1 Goods and Services Related Issues 1. chargeback: The buyer filed a chargeback with the credit card issuer. Solutions. 10. 1. Accessed October 17, 2022. PCI DSS v3. School Yeshiva University; Course Title BUS MISC; Uploaded By KidGorilla7385. 4 (Other Fraud - Card Absent Environment), which is under the fraud category. 975. Chargeback Reason Codes. Question: How soon after I submit a pr enotification can I submit a live entry (debit or credit)? These chargebacks occur to resolve chargeback-related disputes between network members. Below is a list of Mastercard chargeback codes used in eCommerce. The reason_description field lists the chargeback reason. C31 – Goods / Services Not As Described. C02 Incorrect routing/transit number (visible in the SSR eCheck NOC report). The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. the requested documentation, your account will be debited. ”. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. You must tailor your representment case — including the compelling evidence — to the reason code under. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. Code 10. Q. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. A chargeback happens when a customer requests for a transaction to be reversed. In most cases, you will have 20-45 days in which to respond to a chargeback. It depends on the chargeback reason code associated with the dispute. American Express chargeback reason code C05 falls under the “Card Member Disputes” category. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. EMV Liability Shift Counterfeit Fraud. If you get a chargeback,. The most comprehensive guide to chargeback reason codes. 16 Chargeback Reason Code 71 – Declined Authorization. At Visa they used to receive reason code 98. Mastercard also considers some chargeback reason codes to be indisputable. 2, below. MasterCard: Reason Code 4859 Services not rendered. ”. About American Express chargeback reason codes. This definitive guide includes the chargeback reason codes from each of the four major card networks. Field name: reasonCode. Existing merchant customers: Call us at 1-800-451-5817, 24 hours a day, 7 days a week. The Fintech Times. 4. C14 = Paid by other means. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. C02: Credit not processed: C04: Goods / services returned or. Additionally, Amex uses a fifth "Miscellaneous" category. Not only do you need to know how long the timeline is, but you also need to know when the clock. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. Accessed October 31, 2022. This scenario applies when the arbitration was raised by either the. American Express . That definitive guide included the chargeback reason codes from each of the quad larger card connectivity. Chargeback Reason Codes Card Type Reason Reason Text Chargeback Category Preventable Reversible Code DISCOVER 4502 IC-Illegible Sales Data Request forThe 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. The way you manage chargebacks depends on your account setup. What are the odds a merchant will “win” the chargeback dispute? The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. 998:In short: yes. RDFI, at its discretion, returns an XCK entry. Note. American Express chargeback reason code C31 falls under the “Card Member Disputes” category. Each card network maintains reason codes to cover all the disputes that qualify for. 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. Payment capture comes after authorization; at this point, the payment is effectively "settled," and the transaction is over. Write a chargeback rebuttal letter (with sample template) 8 Ways to Prevent Chargebacks. C14 – Paid by Other Means. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. This can be transaction receipts, proof of. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. 265. There are several reasons why many merchants turn a blind eye to suspected return fraud. On that note, below are some vendor missteps that could result in Visa reason code 13. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. Versions Affected: v5, v6. When a card is declined, it is in your best interest to accept that answer and either cancel the transaction or ask for a different form of payment. Fight; Prevent; Recover; Technical. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Fraud filters are tools you can add to your e-commerce website to prevent potentially fraudulent orders from processing in your. If more information is needed, you’ll either receive an Inquiry or a Chargeback. Chargeback time limits vary widely depending on the issuing bank, and the chargeback code or reason. Description. American Express: Reason Code C08 Goods or services. Chargeback time frames - A specific period during which a chargeback can be raised. American Express uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors as well as two additional. The chargeback process can last from one month to six months. 4. Refocus on the Customer Experience. ” Here the cardholder is claiming that you were supposed to provide them with a refund, but no credit has been applied to their account. 18167 US Highway 19 N Clearwater, FL 33764 877. Knowing these codes is vital for merchants to understand the reason for chargebacks and how to manage them. 1: goods not received. 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. Availability Date: October 24th, 2021. Pages 124 This preview shows page 90 - 93 out of 124 pages. ”. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. Visa Code # MasterCard Code # Reason. Following is the list of Chargeback Reason Codes used by American Express (AMEX): AMEX Chargeback Reason Codes Reason Code: Category: Description: A02: Request for Information: No Authorization: C02: Cancelled/Returned by Cardholder: Credit not Processed: FR2: Fraud: Fraudulent. Question: Where can I find a complete listing of Check 21 return codes? Answer: You can find the current official listing on page 38 of FRB Services' "Image Cash Letter Customer Documentation" at. Those reasons are explained through the corresponding reason codes. Written by Chargeback Gurus. If more information is needed, you’ll either receive an Inquiry or a Chargeback. Please refer to chapter 5 for more information. 1. 10. We’ll make a decision about reversing the Chargeback. 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. 3 is the less common version for card-present transactions. 2 Compliance CasesWhat are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. Discover is a credit. Blog and Articles; Success Stories; Chargeback Reason Codings; DUMPSTER Look-up;. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. View the entire list or search for any chargeback reason code. g. About American Express chargeback reason codes. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. The customer returned a product or service, but a credit was never processed by the merchant. manual processing by uploading chargeback documents instantly. The shorthand description is “Credit Not Processed. C04 – Goods / Services Returned or Refused. Chargeback Reason Code . What is Visa chargeback reason code 11. 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. Merchants who believe they have received an invalid chargeback under reason code 11. 2. 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. Card Enrolled for 3-D Secure VS Card Not Enrolled for 3-D Secure. C02: Credit Not Processed: C04: Goods/Services. 3? Visa chargeback reason code 13. Reason Codes. C02 = Credit not processed. Discover: Reason Code 4755 Non-receipts of goods or services. And according. “It’s a lot tougher with. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. 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. All ACH return reason codes consist of the letter “R” followed by two. 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. This definitive guide comes that chargeback reason codes from jeder of of four majority card networks. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. Visa assesses the following fines, as specified in the table below, to a U. R05 – Unauthorized debit to consumer account using Corporate SEC code. It also applies when a customer claims they tried to cancel. The new reason codes follow a format of two digits, a period, then a third digit. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. processed the transaction correctly. 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. Unlike your response to other chargeback types, which is mostly determined by the particular circumstances and may require taking different actions, your response to a Reason Code 75 is quite. American Express: Reason Code C08 Goods or services. This definitive guide includes that chargeback reason colors from each of the four major card networks. Visa assesses the following fines, as specified in the table below, to a U. 3 falls under the “Authorization” category. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—QuestionableOlder time limits for disputes vary based on reason code; in many cases buyers have 120 days after a purchase to file a chargeback. 265. Additionally, Amex uses a fifth "Miscellaneous" category. Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A purchase occurs. Time Frames by Chargeback Type and Reason Code. The transaction stands incomplete and funds are not secured. Chargeback fees. S. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. Then it chooses the most applicable code for a. Unlike other. If you get a chargeback,. The reason code may not reflect the true reason for the chargeback. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. 104. C02 – Credit (or partial credit) Not Processed; C04- Goods/Services Returned or Refused; C05 – Goods. C02 – Credit Not Processed. 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. 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 chargeback: 1. The client will send this dispute to Paymentology’s Global support team via email – [email protected] reason codes are an abbreviated way of offering a basic explanation for the chargeback. CARDeposit is a long-running American Express program. A recent Javelin study reports that fraud and chargeback management consumes. Unauthorized returns (R05, R07, R10, R29, R51): 0. ”. The chargeback can be for the total transaction amount or a lesser amount. Contact ChargebackHelp and we can have you sleeping better at night by improving your dispute protection in very short order. Responding to Mastercard Reason Code 4853 Chargebacks. Dispute Condition Description Dispute Condition Code Category Code Category Code Description; EMV Liability Shift: 10. Which is meant to know the reason for the dispute. R02 – Account closed. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Category. Once filed, the merchant generally has 20 days to respond to the chargeback. Card Type Reason Code. 1: 10: Fraud: EMV Liability Shift Non-counterfeit Fraud: 10. The invalid ACH routing number may be the result of a simple typo or may indicate an incorrect routing number was provided. A reason code helps explain why a transaction was disputed. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. You can attempt to work with the customer on a resolution and potentially have the chargeback reversed. There is a USD 25 limit for the First Chargeback (Reason Code 22). The cardholder may be the customer or the someone who lent their card to a friend or relative. Click on the Chargeback Reason Code drop-down menu, the user can change the. The good news for those using Shopify Payments, the hundreds of reason codes and buckets them into eight. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. The main chargeback reasons look like this: Malicious fraud. To subscribe and learn more about the free online chargeback management system, or contact Chase Paymentech Client Services at 1. S. UA01 Fraud – Card Present Transaction. FAQ: What remains Chargeback Representment? TIPS. A reason code is how banks categorize the reason for a chargeback. ”. 2. Process Flow for P2M:- Issuer Banks: Can raise chargeback with reason code 1065 (If customer is expecting compensation for non-fulfilment of goods/services. 16, 2021. The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type. Fight; Prevent; Recover; Resources. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. 5158. This provided a number of insights into the typical. What you need to do in such a case is to dispute the transaction and request a chargeback from American Express. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. American Express chargeback reason code C02 falls under the “Card Member Disputes” category. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. 08. What Are Chargeback Reason Codes?. It's essential to respond within the. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 0 is to make the chargeback process more efficient, transparent, and fair. Merchants. Mastercard: Reason Code 4859 Service not rendered. Additionally, Amex uses a fifth "Miscellaneous" category. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. We used 3DS to authenticate this purchase and obtained AVS and CVV match codes at authorization (page 2). C02 Credit not processed; C04 Goods/services returned or refused; C05 Goods/services canceled;Chargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. This liability shift essentially provides merchants. There are over 80 unique return codes, each representing a different return type. 0" or CE3. 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. Simple Order API; Virtual Terminal; Secure Acceptance - Hosted. Amex Dispute Codes The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. 60 due to merchandise, fees, overhead, and other sources of loss. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. CB CD (chargeback reason code) Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. Amex Cardmember Dispute Chargeback Reason Codes C02 — Credit Not Processed. Reason Code 03. Once filed, the merchant generally has 20.