4 chargeback by showing at least one transaction from any time period in which the IP address, email address, physical address, and telephone number match the details of the disputed transaction. R03 Insufficient Reply. About American Express chargeback reason codes. Non-fraud reason codes represent customer disputes with product or services, shipping problems, and recurring billing chargebacks. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Different card networks have different reason code systems. com; Europe; Vantage House;chargebacks, even on cases where you accept liability. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. If you believe you have received an ACH return in error, you can contact your bank. Build & Submit a Representment Case in 4 StepsChargeback reason code 12. Declined Authorization Authorization Visa Code: 11. Reason Code 03. M10 Vehicle Rental – Capital Damages. Specifically, these updates only pertain to transactions that are charged back after Oct. 7: Defective goods and services: C32: RM: 13. Chargeback time frames - A specific period during which a chargeback can be raised. We say the given reason because it may or may not reflect the true reason. Use fallback options—like manually entering transaction data—as a last resort. Mastercard created Mastercom to make the chargeback process run more smoothly and allow merchants to respond to certain inquiries, called retrieval requests, which precede. The codes for each card brand are listed below along with the recommended documentation to provide. Mastercard Chargeback Reason Code 71: Disputed Amount. 4 spec (Section 8. The following tables show the Stripe categories for each card network’s dispute reason codes. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. Additionally, one clearing transaction. 1 Quick Reference Lead. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. Learn what each reason code means, how to fight chargebacks, and how to prevent disputes from Visa and other card networks. Each bank card network has its owner list of reason codes banks must prefer from. 3. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. However, since that time, the cardholder’s account has been closed. Chargeback Reason Codes All received credit card disputes include a reason code. 2, below. Though the credit card networks have a vast choice of codes, loopholes still happen. 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. Code 10. 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 is. M49 Vehicle Rental – Theft or Loss of Use. Fraud. Chargeback Reason Codes The Discover chargeback reason codes list is just as extensive as the other major US card schemes, despite being the youngest and smallest. The implication is that the merchant is at fault. 1. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. Like other parts of the process, learning all the types and exceptions of chargeback time limits will take a lot of effort and money. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Fraud. Credit and debit card issuers developed. The bank can then reverse the transaction, deducting the funds from your account and returning them to the cardholder's account. Either the acquiring or issuing bank could initiate the. Your first step is to identify the chargeback reason code, which is a kind of shorthand that indicates why the transaction is being disputed. . Mastercard Authorization Chargeback Reason CodesAbout Mastercard chargeback reason codes. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. . 6). The same is true of all chargeback reason codes. There are several scenarios where a customer may reasonably expect a payment reversal. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. Chargeback reason code 4853 can be used to indicate cases involving hotels or other temporary lodging establishments where a customer claims that the hotel charged an undeserved fee to the cardholder’s bill. M01 Chargeback Authorization. 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 is valid. There are two parts to this. A “No Authorization” code chargeback can also be the. Unauthorized returns (R05, R07, R10, R29, R51): 0. Chargeback alerts are a dispute prevention product provided by a chargeback management specialist. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Visa uses a numeric scheme for its chargeback reason codes. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. Chargeback Reason Codes: 5 Things For Merchants to Know 1. ” This reason code indicates that the cardholder is disputing the credit card transaction because they provided payment via some other method, such as cash, check. The newer system is designed to. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. Mastercard uses a four-digit numbering scheme for its chargeback reason codes. 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 is valid. ”. Understanding chargeback time limits is a critical part of recovering revenue, though. 1 is an updated version of legacy reason code 30, which was phased out under the Visa Claims Resolution initiative. . WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Depending on whether the documentation is required or not, Paymentology will submit these chargebacks on the client’s behalf. You're not legally required to have a written policy in place to accept returns. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. Please refer to chapter 5 for more information. . How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. To simplify this process, the situations that may qualify for a chargeback are broken down into designated “reason codes. Products. Visa groups its various reason codes into several broad dispute categories. In some circumstances, Mastercard allow consumers to reverse a credit card transaction by filing a chargeback. This is commonly caused by either true fraud or friendly fraud. [noun]/* fren • dlē • frôd • /. 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 is valid. Authorization chargebacks represent disputes related to authorization issues. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. This process is called a chargeback. These codes tell you why the transaction is disputed. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback. Chargeback Reason Codes by Industry. Chargeback Reason Codes The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. . A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. Before starting your Disputes API integration, make sure that you: Understand the disputes process. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. 6 is an updated version of legacy reason code 85, which was phased out under the Visa Claims Resolution initiative. 6). Even though there aren’t any state or federal laws mandating return policies, many states in the US have very strict guidelines regarding returns. These codes are currently defined within the ANSI X9. This code tells you why the customer or bank initiated the dispute. About Mastercard chargeback reason codes. The terminal action codes are in Table 122 of the 4. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. Reason codes give merchants information about the cause of a chargeback and what evidence. ACH Return Codes. Chargeback reason code 13. 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). This may be done by either the merchant or the issuing bank. 1. This second chargeback is what was commonly referred to as a “pre-arbitration chargeback. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. 4808: This code can refer to: Account Number Not on File. message. Reason codes categories Authorization. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Below are some examples of more common. The Allocation workflow applies to any chargeback assigned a “Fraud” or “Authorization”. 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. Some reason codes are easy to verify. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 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. Before you begin. . Any chargeback that is received without a reason code will be assigned a default code of 53. What is Visa chargeback reason code 12. Alerts providers work closely with banks to ensure that merchants using the service receive advance notice of impending chargebacks. Typical chargeback reason codes are: DA: Disputed amounts DD: Unearned (disallowed) discount amount Note. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Chargeback reason code 10. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Every chargeback has a reason code associated with it. 1 is an updated version of legacy reason code 74, which was phased out under the Visa Claims Resolution initiative. Chargeback Reason Codes. Chargeback reason codes are meant to help you understand the cause for the chargeback and determine the best way to validate the original transaction. These are only a handful of common Visa chargeback reason codes. A Shopify chargeback occurs when a cardholder contacts the bank about. 6. Or fill in the chargeback form because it seems easier than contacting the merchant directly. F02. This will help you tailor your response. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Explanation. The most comprehensive guide to chargeback reason codes. Identifying the chargeback. Each bank card network has its owner list of reason codes banks must prefer from. M49 Vehicle Rental – Theft or Loss of Use. About American Express chargeback reason codes. reason code information. Mastercard chargeback reason codes are four numerals without decimals. About Visa chargeback reason codes. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. The Chargeback Reason Code Format. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. ; Know the scenarios when Adyen automatically handles disputes on your behalf. 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 TRREvery chargeback comes with a reason code. 6. American Express has its own set of chargeback reason codes, and they refer to situations that correspond to Visa and Mastercard reason codes you may already be acquainted with. . Find this type of chargeback with the below reason codes. RM Cardholder Disputes Quality of Goods or Services. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. 3 is the less common version for card-present transactions. Chargeback reason code 12. facebook. Discover Chargeback Reason Codes Explained. Chargeback reason code 12. 4 Other Fraud Card Absent. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Some credit card companies also include a short phrase describing the code and chargeback. The chargeback process is mandated by law in the United States. Required Authorization Not Obtained. Pursuant to an Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and edition banks must reverse a disputed deal if aforementioned cardholder’s claim is valid. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. With this information, you can determine the root causes of your chargebacks and take. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. About Visa chargeback reason codes. If a customer asks to use another form of payment after the Visa card transaction has been processed, credit from the original. For a late presentment chargeback to be valid, the following conditions must apply: The cardholder’s account must be permanently. With the overhaul of their reason code system, Visa divided reason. The following are reason codes. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCardVisa specifies 46 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, Consumer Disputes, and Processing Errors. Some legacy codes are no longer supported by a chargeback reason. This code applies when a cardholder disputes a charge, and the merchant is informed by the processor that there is a problem with the transaction currency code. Simply search for your Visa chargeback reason codes, and learn why the chargeback was issued. Many subscription payment disputes are made under code 13. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Visa chargeback reason code 13. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. How Can I Fight Shopify Chargebacks? Inside or outside of Shopify, the basic approach for fighting chargebacks is fairly straightforward: Find out the reason for the chargeback, as identified by the chargeback reason code; Determine the appropriate evidence necessary to prove the transaction should be upheld; Represent the charge. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputesMastercard chargeback reason code 4871 is one of the numeric labels assigned by banks to customer disputes, indicating the given reason for the claim. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Mastercard Chargeback Reason Code 73: Duplicate Transaction. The network. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. With that said, you still need to understand the reason codes with any chargebacks from Amex. 1 chargeback: 1. For the sake of simplicity and standardization, card networks like Visa created a breakdown of the acceptable causes for a customer to dispute a charge by filing a chargeback. It is associated with a chargeback reason code, and it is specific per Card Scheme. . It depends on the chargeback reason code associated with the dispute. . There will always be people who attempt to take advantage of the system, no matter how faithfully merchants follow the rules. . By taking the action advised by Mastercard’s logic, merchants and acquirers will be more likely to receive an authorization approval. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 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. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. However, the 30 day waiting period can be waived if you’ve. You must tailor your representment case — including the compelling evidence — to the reason code under. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. If a chargeback is requested as a direct result of the quality of the sold item, the chargeback will have one of the following reason codes. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. If the order was genuinely not as described, then the cardholder has a case. 196 WEX began issuing chip cards in Q4, 2020. 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 is valid. It could apply for merchandise or services being different than described, or disputes involving counterfeit goods (just to name a few examples). Visa, Mastercard and Maestro each have their own set of reason codes for chargeback cases. Visa specifies 46 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, Consumer Disputes, and Processing Errors. When one cardholder initiates a dispute with their issuing bank, a. 2. “Cleaning up that ecosystem of chargeback reason code so that we can start to define really what’s going on will be helpful,” Painter explained. 2: Incorrect Transaction Code. We say the given reason because it may or may not reflect the true reason. . Chargeback reason code 10. Some payment service providers like PayPal and Stripe have their own reason codes as well. The chargeback transfers funds from the acquirer to the issuer. . The two codes related to a merchant’s reply (or lack thereof) to an inquiry begin with R, and the code indicating the merchant authorized the chargeback begins with M. Please note that the most common Chargeback reason code for Allocation disputes is 10. Updated Disputes/Chargeback Policy Coming April 2024A chargeback with reason code 4834 may refer to disputes in which the cardholder participated in an ATM cash withdrawal, but claims to have not received part—or all—of the cash amount requested. . The problem continues to grow out of control with each year. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. A chargeback with reason code 4834 may refer to disputes in which the merchant failed to present the transaction within the required timeframe. The implication is that the merchant failed to put adequate purchase controls on the account when it was set up. Code 10. 3 is the less common version for card-present transactions. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. 2. However, banks assign reason codes based on cardholders’ claims. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. Any time. Reason Code 12. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. However, it's a bad idea not to do so. Chargeback reason code 4853: Cardholder Dispute applies to situations in which a customer feels they have been cheated or misled. You should code appropriately to handle all codes applicable to the transactions you use. . Chargeback reason code 4837: No Cardholder Authorization applies in situations where customers claim a card transaction was unauthorized, but do not feel the issue can be resolved through the merchant. What is Visa chargeback reason code 12. President Lyndon B. This is commonly caused by either true fraud or friendly fraud. 5%. For a Point-of-Interaction Currency Conversion dispute to be valid, one of the following conditions must apply: The cardholder claims they were not given the option of choosing the currency in which they wanted. Chargeback reason code 4853 No-Show Dispute is one of the numeric labels assigned by banks to each customer dispute, indicating the given reason for the 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 is validWhile the updates have been published, they do not go into effect until Oct. First-party misuse can happen for many different reasons. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. Chargebacks with the following reason codes are requested due to fraudulent activity. Under Visa Claims Resolution, the Visa dispute process is split into two different tracks, each with its own requirements. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. 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. 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. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. Feel free to submit topic suggestions, questions or requests for advice to:. 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. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. 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. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet phone, or mail orders. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a chargeback. 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 is. It can range from 60 to 120 days from the billing date. com. To represent a chargeback, you need to resubmit the transaction and include a rebuttal of the cardholder’s claims and documented evidence that proves your case. Acquirer Use of Message Reason Code 7623. However, for simplification, they are divided into eight categories:. linkedin. The ultimate purpose of a chargeback reason code is to explain to the merchant why a chargeback was filed. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,The chargeback reason codes below explain why this happened. While there are many chargeback reason codes, all chargebacks fall into one of three categories: American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. List of Chargeback Reason Codes. Each reason code has its own set of regulations regarding: Proper and. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a. For example, transactions. Learn more about Mastercard chargeback reason codes. 3: Goods or services were not as described: C31: RM: 13. Reason codes identify why the chargeback was issued. Use this guide as a resource to quickly identify a chargeback reason code from Mastercard. Discover uses unique codes to explain those reasons to merchants. Reason Codes Category 4: Processing Errors. In the case of friendly fraud, that reason could be completely invalid and. This process is called representment. This provided a number of insights into the typical. supporting documentation in first chargebacks for chargeback reason code 4863 (Cardholder Does Not Recognize). Administrative returns (R02, R03, R04): 3%. . If the dispute involves a non-Visa card, the dispute can be paused for up to 72 hours for the merchant to respond. 11, 16. Chargebacks911® can help businesses manage all aspects of chargeback reason codes, with proprietary. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. The case will be removed from the Chargeback Queue Worklist and your ‘accept’You'll learn about the major categories of chargeback reason codes: fraud, authorization errors, processing errors, customer disputes; You'll learn about the usual types of chargeback reason codes due to fraud (not authorised or recognised transactions, fraudulent processing, monitored merchant or monitored card, the EMV liability shift); You. Identifying the. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. . Attentive, accommodating, 24/7 customer service can work wonders to help you avoid chargebacks from disgruntled customers. This can provide important information to fight the dispute. Reason. Time Frames by Chargeback Type and Reason Code. 4 applies to eCommerce, whereas code 10. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Mastercom is Mastercard’s dispute management platform, which merchants can access via API connections enabled by their acquirer or payment processor. Chargeback reason code 10. RN2 Credit Not Processed. 4853 Cardholder Dispute. Use standard authorization criteria with Issuer - not eligible for chargebacks: 1: CAVV failed verification (authentication) - Issuer approves authorization:. Region Only) 4855 Goods or Services Not Provided. While creating the reason codes, the bank asks the customer about the reason for dispute and then assigns a code. M10 Vehicle Rental – Capital Damages. . By offering timely. Reason codes are alphanumeric codes that provide the justification to awarding a chargeback. 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). The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type. Chargeback companies can assist merchants in navigating these processes, and work with them to develop a comprehensive chargeback prevention strategy. FR2 Fraud Full Recourse Program. 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 is valid. Visa. When one cardholder initiates a dispute with their issuing. . [noun]/* kə • stə • mər • di • spyo͞ot/. The letter indicates the category the reason code falls under: A for Authorization, C for Cardmember Dispute, F for Fraud, and P for Processing Errors. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. 9808; [email protected] is an updated version of legacy Visa reason code 81, which was phased out under the Visa Claims Resolution initiative.