Card scheme reason codes

4837

Fraud

No cardholder authorisation

4870

Fraud

Chip liability shift

4871

Fraud

Chip liability shift – lost/stolen/NRI fraud

4849

Fraud

Questionable merchant activity

4808

Fraud

Required authorisation not obtained

4807

Fraud

Warning bulletin

4812

Fraud

Account number not on file

4834

Processing error

Point-of-interaction error

4831

Processing error

Transaction amount differs / incorrect transaction amount

4846

Processing error

Correct transaction currency code not provided

4842

Processing error

Late presentment

4853

Consumer dispute

Consumer dispute

4855

Consumer dispute

Goods or services not provided

4859

Consumer dispute

Addendum/no show/dispute

4841

Consumer dispute

Canceled recurring or digital goods

4860

Consumer dispute

Credit not received

10.1

Fraud

EMV liability shift counterfeit fraud

10.2

Fraud

EMV liability shift counterfeit fraud

10.3

Fraud

Other fraud – card present environment

10.4

Fraud

Other fraud – card present environment

10.5

Fraud

Visa fraud monitoring program

11.1

Authorisation

Card recovery bulletin

11.2

Authorisation

Declined authorisation

11.3

Authorisation

No authorisation / late presentment

12.1

Processing error

Late presentment (no longer active)

12.2

Processing error

Incorrect transaction code

12.3

Processing error

Incorrect currency

12.4

Processing error

Incorrect account number

12.5

Processing error

Incorrect amount

12.6.1

Processing error

Duplicate processing

12.6.2

Processing error

Paid by other means

12.7

Processing error

Invalid data

13.1

Consumer dispute

Merchandise/service not received

13.2

Consumer dispute

Cancelled recurring transaction

13.3

Consumer dispute

Not as described/defective

13.4

Consumer dispute

Counterfeit merchandise

13.5

Consumer dispute

Misrepresentation

13.6

Consumer dispute

Credit not processed

13.7

Consumer dispute

Cancelled merchandise / services

13.8

Consumer dispute

Original credit transaction not accepted

4516/R13

Retrieval request

Request for support not fulfilled – no response to a copy/retrieval request.

4517/R03

Retrieval request

Request for support illegible/incomplete – illegible or incomplete response to copy/retrieval request.

4527/F10

Fraud

Missing imprint – transaction disputed and no card imprint obtained.

4534

Fraud

Multiple rocs – multiple transactions without cardholder’s permission.

4540/F29

Fraud

Card not present – transaction without physical presence of the card.

4755/F24

Fraud

No cardmember/valid authorisation – no valid authorisation & cardholder denies transaction.

4763/FR2

Fraud

Fraud full recourse – transaction on a previously closed card.

4798/F30

Fraud

Fraud liability shift – counterfeit – chip card not properly used.

4799

Fraud

Fraud liability shift – lost/stolen/non-received – transaction on lost/stolen card, chip not used

4521/A02

Authorisation

Invalid authorisation – transaction processed without valid or proper authorisation.

A01

Authorisation

Charge amount exceeds authorisation amount – charged more than authorised.

F22

Authorisation

Expired or not yet valid card – card expired or not active.

4507/P05

Processing error

Incorrect transaction amount or pan presented – amount or card number errors.

4512/P08

Processing error

Multiple processing – duplicate charges for the same service/product.

4523/P01/P22

Processing error

Unassigned cardmember account number – incorrect card number used.

4530/P23

Processing error

Currency discrepancy – charged in a different currency than chosen.

4536/A08/P07

Processing error

Late presentment – expired authorisation code used.

4752/P03/P04

Processing error

Credit/debit presentment error – errors involving refund vs sale/reversal.

4513/C02

Consumer dispute

Credit not presented – refund promised or due but not received.

4515/C14

Consumer dispute

Paid through other means – cardholder claims they paid by another method.

4544/C28

Consumer dispute

Cancelation of recurring goods/services – cardholder withdrew recurring payment authorisation.

4553/C31/C32

Consumer dispute

Not as described or defective – product/service not as described or damaged.

4544/C08

Consumer dispute

Goods/services not received

4750

Consumer dispute

Car rental charges non-qualified or unsubstantiated

4754

Consumer dispute

Local regulations/legal dispute

C04

Consumer dispute

Goods/services returned/refused

C05

Consumer dispute

Good/service cancelled

4514

Fraud

Fraudulent multiple transactions

4515

Fraud

Cardholder denies the transaction

4562

Fraud

Counterfeit card

4803

Fraud

Risk merchant

4547

Fraud

Hot card list

4503

Authorisation

Dispute on debit adjustment or debit adjustment collection

4536

Authorisation

Late presentment

4508

Authorisation

Exceeds limited or authorised amount

4522

Authorisation

Declined authorisation

4558

Authorisation

Verification for transaction certificate

4559

Retrieval chargeback

Transaction certificate and relevant calculation data cannot be provided

4502

Processing error/consumer dispute

Transaction was settled but good/service were not received

4532

Processing error/consumer dispute

Refund not processed

4544

Processing error/consumer dispute

Canceled transaction

4507

Processing error/consumer dispute

Transaction amount differs

4512

Processing error/consumer dispute

Duplicate processing

4806

Processing error/consumer dispute

Paid by other means

A02

Authorisation

Authorisation processing error

A06

Authorisation

Unissued account number

B24

Processing error

Late presentment

B25

Processing error

Duplicate charges

B27

Processing error

Incorrect currency

C41

Fraud

Fraud – card present transaction

C42

Fraud

Fraud - card not present transaction

C46

Fraud

Multiple charges at service establishment fraudulent transaction

C50

Fraud

Suspect service establishment - no response to the suspect fraudulent service establishment report

C53

Fraud

Chip card counterfeit transaction

C54

Fraud

Fraud - lost or stolen chip and pin card transaction

D61

Consumer dispute

Altered amount

D62

Consumer dispute

Non-receipt of goods or services

D65

Consumer dispute

Incorrect transaction type

D66

Consumer dispute

Credit not processed

D67

Consumer dispute

Cardmember paid by other means

D69

Consumer dispute

Canceled recurring transaction

D70

Consumer dispute

Cardmember does not recognize

501

Authorisation

Non-JCB card

503

Authorisation

Expired JCB card

523

Processing error

Incorrect card number

541

Processing error

Illegible item

521

Processing error

Transaction exceeds floor limits

547

Fraud

JCB card on stop list

581

Fraud

Split sale

507

Fraud

Incorrect transaction amount

510

Fraud

Mispost

512

Fraud

Duplicate processing

524

Fraud

Addition error

525

Consumer dispute

Altered amount

536

Consumer dispute

Late submission

545

Consumer dispute

Incorrect ECI

582

Consumer dispute

Domestic transaction

502

Consumer dispute

Cardmember dispute (defective merchandise, service not rendered, not as described)

513

Consumer dispute

Credit not received

527

Consumer dispute

No imprint

534

Consumer dispute

Unauthorised multiple transactions

554

Consumer dispute

Non-receipt of merchandise

583

Consumer dispute

Paid by other means

516

Retrieval failure

Non-receipt of requested item

517

Retrieval failure

Request copy illegible

537

Travel & entertainment chargeback

No show disputes

538

Travel & entertainment chargeback

Advance deposit

544

Card not present chargeback

Cancelled recurring transaction

546

Card not present chargeback

Unauthorised purchase

548

Card not present chargeback

IC liability shift