Chargeback reason codes
Find the code printed on your dispute notice. Each page lists the evidence that code accepts, why each item matters, and the reasons sellers most often lose it. The checklists are free. Rules checked 2026-09, with sources.
49 codes covered by the builder. Codes we do not cover are listed too, and say so.
Type the code from your notice, or what the dispute is about. Searching does nothing else: nothing is sent anywhere and nothing is recorded.
Showing all 60 codes.
Visa
- 10.4Other fraud, card-absent environment
- 13.1Merchandise or services not received
- 13.2Cancelled recurring transaction
- 13.3Not as described or defective merchandise
- 13.5Misrepresentation
- 13.6Credit not processed
- 13.7Cancelled merchandise or services
- 13.4Counterfeit merchandise
- 11.3No authorisation
- 11.2Declined authorisation
- 12.5Incorrect amount
- 12.6.1Duplicate processing
- 12.6.2Paid by other means
- 12.1Late presentment
- 12.3Incorrect currency
- 12.7Invalid data
- 10.1EMV liability shift, counterfeit fraudnot covered
- 10.2EMV liability shift, non-counterfeit fraudnot covered
- 10.3Other fraud, card-present environmentnot covered
- 13.8Original credit transaction not acceptednot covered
- 13.9Non-receipt of cash or load transaction valuenot covered
Mastercard
- 4853Cardholder dispute
- 4855Goods or services not provided
- 4837No cardholder authorisation
- 4863Cardholder does not recognise, potential fraud
- 4841Cancelled recurring or digital goods transaction
- 4860Credit not processed
- 4834Point-of-interaction error
- 4808Authorisation-related chargeback
- 4859Addendum, no-show or ATM dispute
- 4854Cardholder dispute, not elsewhere classified
- 4870Chip liability shiftnot covered
- 4871Chip and PIN liability shiftnot covered
- 4849Questionable merchant activitynot covered
Amex
- C08Goods or services not received, or only partly received
- C31Goods or services not as described
- C32Goods or services damaged or defective
- C05Goods or services cancelled
- C02Credit not processed
- C04Goods or services returned or refused
- C28Cancelled recurring billing
- C14Paid by other means
- F24No cardmember authorisation
- F29Card not present
- A02No valid authorisation
- A01Charge amount exceeds authorisation amount
- A08Authorisation approval expired
- P05Incorrect charge amount
- P08Duplicate charge
- P07Late submission
- P23Currency discrepancy
- R13No replynot covered
- F30EMV counterfeitnot covered
- F31EMV lost, stolen or never receivednot covered
PayPal
- Item Not ReceivedBuyer says the item never arrived
- Significantly Not As DescribedBuyer says the item is significantly not as described
- Unauthorised transactionBuyer says they did not authorise the payment
- Duplicate paymentBuyer says they paid twice for one order
- Credit not processedBuyer says an agreed refund never arrived
- Billing agreement cancelledBuyer says a recurring payment continued after cancelling