. MasterCard has been issued a global liability shift program for E-commerce transactions. Book a demo with one of our chargeback specialists today. Visa has recently announced changes to its chargeback rules. Category. 11/03/15 Updated these MasterCard. 4849: Questionable Merchant Activity: 4870: EMV Chip Liability. #9. Reason Code: Numeric: Code for the chargeback request (see below). 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. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. Category. Reason code: Explanation: 11. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directly from a Mastercard compliance determination. Mastercard Chargeback Reason Code 4849: Questionable Merchant Activity. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). Time Limit. 4849. 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. 1 Proper Use of Message Reason Code 4849. 11, 16 November 2015, Elimination. 4849 - Questionable merchant activity: The transaction violates Mastercard’s rules or was listed in a Mastercard Global Security Bulletin. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. ”. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. MasterCard time limits vary depending on the applicable reason code. Overview. Reason Code. The network plans to reduce response times even further to just 20 days in the near future. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “AN removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directly from a Mastercard compliance determination. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). 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. The Visa Digital Goods Merchant Fraud Monitoring Program is effective as of April 1, 2023. Dispute. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “AN3. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “AN Reason Code: Description: 4837: No Cardholder Authorization : 4849: Questionable Merchant Activity: 4854: Cardholder Dispute - Not Elsewhere Classified (U. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. Learn about the different chargeback reason codes and what they mean. Region Only) 4855 Goods or Services Not Provided. Let’s say you got a Visa chargeback with reason code 13. Reason Code. The sales receipt and/or date and amount of the authorization if other than the transaction date. These mandates often involve changes to the transaction process, the addition or removal of certain chargeback reason codes, or changes to the various phases and deadlines involved in the chargeback process. Chargeback Expertz’s system is designed to defend the eCommerce Business against all types of Fraud and Threats. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directly from a Mastercard compliance determination. Chargeback Message Reason Code 4901. Duplicate Processing. 22. VCR Dispute Reason Code 10. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. Global Security Bulletin No. Partners. However, they don’t address the reason why that chargeback was issued in the first place. Compare account numbers. 4 spec (Section 8. 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 Code 4849—Questionable Merchant Activity as announced in the Global Operations Bulletin No. However, the 30 day waiting period can be waived if you’ve. Partners. Mastercard Chargeback Reason Code 4855: Goods or Services Not Provided. By entering your email, you agree to receive marketing emails from Shopify. Message. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Category. 4859 Addendum, No-show, or ATM Dispute. A reason code is a numeric code that describes the cause behind a chargeback dispute. Summary of Changes, 13 December 2018 The following are changes with the most recent publication of this document. Include any terms relevant to the transaction, including return, cancellation and. Here’s how. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “ANHow many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. 1: EMV Liability Shift Counterfeit Fraud:. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “ANAcquirer Use of Message Reason Code 7623. Recent Posts. 1 - Card Recovery Bulletin. 4808: This code can refer to: Account Number Not on File. Mastercard Chargeback Reason Code 4846: Correct Transaction Currency Code Not Provided. S Region only). A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. Even with chargebacks using other reason codes. There are over 80 unique return codes, each representing a different return type. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “ANremoving certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directly from a Mastercard compliance determination. Chargeback reason code 4849 applies to transactions that are listed in Mastercard Announcements under GMAP. Specify the invoice date and net due date to assign to chargebacks. ”. 4808 Multiple Authorization Requests . 4853 Cardholder Dispute. 2: 10: Fraud:compliance process depending on whether a chargeback right exists. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “AN 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. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Encrypt transmission of cardholder data. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Chargeback Reason Codes Page 2 of 5. MasterCard Chargeback Reason Code 4849 - Questionable Merchant Activity. 2:. See Full PDF Download PDF. 4871 – Chip/PIN Liability Shift – Lost/Stolen/Never Received Issue (NRI) Fraud. The most significant category of reason codes is. 4846: Correct Transaction Currency Code Not Provided 4849: Questionable Merchant Activity 4850: Installment Billing Dispute 4853: Cardholder. 3: Not as Described. See more ideas about alert, merchant account, stupid videos. 4870 – Chip Liability Shift. 3. 4849: Questionable Merchant Activity: Fraud: 4863: Cardholder Does Not Recognize—Potential Fraud: Fraud: 4870: Chip Liability Shift: Fraud: 4871:. 4. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. The claim often, but not always, involves automated teller machines (ATMs). Fraud. The Merchant Reviews the Partial Chargeback Claim. Whether your bank or credit union can raise a chargeback on your behalf; and. If you believe you have received an ACH return in error, you can contact your bank. the time frame applicable for the chargeback reason code chosen. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “ANremoving certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directly from a Mastercard compliance determination. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Partners. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. By entering your email, you agree to receive marketing emails from Shopify. 196 10. During this process, the representative of the institution examines the reasons’ list. Chargeback prevention strategies vary based on the reason for the. Description. 4849: Questionable Merchant Activity: 4863: Cardholders Does Not Recognize—Potential Fraud: 4870: Chip Liability Shift : 4871: Chip/PIN Liability Shift:Chargeback Message Reason Code 4901. Chargeback reason codes are one piece of evidence you can use to make your case. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. 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. 3 Fraud – Card-Present Environment: F29 Card Not Present: UA06 Fraud – Chip and PIN Transaction:For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. Blog. Reason Code 4849—Questionable Merchant Activity as announced in the Global Operations Bulletin No. Card Issuer. MasterCard’s Corporate Purchasing Department Account Program does not have rights for the following message reason codes: 4835 — Card Not Valid or Expired. 45 days. But cardholders and merchants have different time limits. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. 4860 Credit Not Processed. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. Mastercard uses a four-digit numbering scheme for its chargeback reason codes. Chargeback Message Reason Code 4901. Reason Code. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. A reason code will be provided. This chargeback will include a description that provides additional information: Digital Goods $25 or Less. Code. AMERICAN EXPRESS; CODE: DESCRIPTION: A01: Charge Amount Exceeds Authorization Amount. A reason code or a chargeback reason code is a string of symbols (numbers and letters). MasterCard Chargeback Reason Code 4849 — Questionable Merchant Activity. Category. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. It is mandatory to send this field if you async status update is chargeback. pdf), Text File (. The 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. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. The shorthand description is “Chip/PIN Liability Shift. UA02 Fraud – Card Not Present Transaction. 4846 — Incorrect Currency Code. Data Integrity Monitoring Program. TIME LIMIT 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. In simple terms, Mastercard Chargeback Reason Code 4859 — No Show/Addendum/ATM Dispute refers to situations where a customer claims the services purchased from a merchant were not fulfilled. 2. Reason Code 4849—Questionable Merchant Activity as announced in the Global Operations Bulletin No. 1: Fraud (10) EMV Liability Shift Counterfeit Fraud: 10. The time limit for issuers to instigate a first chargeback are calculated based off the Central Site Business Date (the processing date of the first presentment) and are usually 60, 90, or 120 days in duration. 4849: Questionable Merchant Activity. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. Updated the Questionable Merchant Activity chargeback with claims of coercion. 4849: Questionable merchant activity. Reason code 83 represents a chargeback categorized as. Valid chargeback reason codes are defined in UDC 03B/CB. Knowing these codes can help you dispute chargebacks more effectively. Related Papers. It is subject to change and may not include. This factsheet provides information about COVID-19 and chargebacks, including: What you should do before requesting a chargeback. 3. The most popular type of disputes of the chargeback category. It is important to note that these are the general time limits. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. However, it is important to note that this reason code is based on the reason given by the customer to their bank. Overall returns (all codes): 15%. C08. Account Number Not On File. Complaint reason_code values include: not_as_described: The buyer claims that the goods or services received differ from the merchant's description of the goods or services. For example, Mastercard has a code which indicates a ‘consumer dispute. 4812. Discover chargeback reason code 7030. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directly from a Mastercard compliance determination. 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. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directly from a Mastercard compliance determination. . Visa. com Dispute reason codes. Take the time to note the following dispute reason codes for Visa. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. It depends on the chargeback reason code associated with the dispute. ”. The cardholder may be the customer or the someone who lent their card to a friend or relative. 120 Days. Chargeback Message Reason Code 4901. Chargeback reason code 4849 applies to transactions that are listed in Mastercard Announcements under GMAP. There are dozens of reasons why cardholders and issuers dispute transactions. Mastercard uses a four-digit numbering scheme for its chargeback reason codes. Older time limits for disputes vary based on reason code; in many cases buyers have 120 days after a purchase to file a chargeback. Updated the Questionable Merchant Activity chargeback with claims of coercion. About Careers Contact. "Acceptable Reason Codes" has the meaning set out in section 2. Chargeback Reason Codes / Mastercard / 4849 – Questionable Merchant Activity – Global Merchant Audit Program (GMAP) Dispute Code 4849 Category Fraud Message System. Reason codes. 2. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. This chargeback will include a description that provides additional information: Digital Goods $25 or Less. While creating the reason codes, the. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. Global Security Bulletin No. ) A no-nonsense summary of evidence that proves transaction is legit. 4: “Other Fraud. ’chargeback: The buyer filed a chargeback with the credit card issuer. 4808 Cardholder. reason code information. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. Reason Code. Chargebacks can pile up your expenses and. Solution. Fraud. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. MasterCard Chargeback Reason Codes. View the entire list or search for any chargeback reason code. While creating the reason codes, the bank asks the customer about the reason for dispute and then assigns a code. Tap “>” beside the charge to see an accurate timeline view of the disputed transaction. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. 5%. Date Option. Updated the following columns - card type, response due date. Let’s. Here the cardholder is claiming that you were supposed to provide them with a refund, but no credit has been applied to their account. Solution. 4849. 2 min read. Description. A chargeback happens when a customer requests for a transaction to be reversed. How to Recognize and Report BOPIS Fraud Attempts. A Mastercard chargeback reason code is a code number that’s assigned to one or more specific chargeback issues when a Mastercard is declined. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. With an eCommerce transaction, 3-D Secure technology works like an online PIN code. 4849 - Questionable Merchant Activity. Each card issuer follows their own standards for defining reason type, code and its format. 4807 Warning Bulletin . Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related. Collect Compelling Evidence. . Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. Specify the default reason code to. 4849 – Questionable merchant activity. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for. Time Limit. 11, 2 November 2015, RevisedA chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. 4849: Suspicious Merchant Activity: 4863: Cardholder Does Not Recognize—Potential Fraud: 4859: Addendum, No-show, or ATM. The issuing bank will then pass on the chargeback to the merchant. For example, some reason codes offer cardholders over a year to file. To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. Reason Code North-America: Canada and United States of America; Reason Code: All other countries;. MasterCard Chargeback Reason Code 4849 - Questionable Merchant Activity Description. Questionable. However, the 30 day waiting period can be waived if you’ve. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. Every chargeback is filed with a reason code that identifies the given reason for the dispute. Some 90% of merchants said “cardholder abuse of the chargeback process” was a leading concern for their business. Shift (Reason Code 4871) section. Summary of Changes, 13 December 2018 The following are changes with the most recent publication of this document. Anyone filing a chargeback request should know this, as transactions outside this period’s bounds cannot be reversed via chargeback. Sobald wir eine Chargeback-Meldung erhalten, leiten wir diese unmittelbar an Sie weiter. Authorisation. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. 4. 0: Changed report name from Downloadable Dispute Report to Case Report. 1 - Card Recovery Bulletin. MasterCard has established different reason codes that categorize chargebacks, including fraudulent activity, authorization and processing errors, and customer disputes. message. Updated the Questionable Merchant Activity chargeback with claims of coercion. 3. 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. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. Reason Code Reason Code Description Timeframe; 4808: Authorization-related Chargeback: 90 calendar days: 4853: Cardholder dispute: 120 calendar days: 4837/4849/4870/4871: Fraud - No cardholder authorization - Questionable merchant activity - Chip liability shift - Chip liability shift - Lost/Stolen/ Never Received Issue (NRI) fraud : 120. It balances out the process and gives merchants the much-needed opportunity to influence the progression of a dispute before it becomes a fully-fledged chargeback. Each code corresponds to an issue or problem. Global Security Bulletin No. 4807 – Warning Bulletin File. Chargeback prevention strategies vary based on the reason for the. 3. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. Each chargeback received a numeric code which is known as the “reason code”. [noun]/* kə • stə • mər • di • spyo͞ot/. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. And according. 4 Other Fraud Card Absent. 45 days. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “ANChargeback Message Reason Code 4901. These reason codes, which involve chargeback and fraud activity on an account, are the most common reasons for being added to. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. Solution Case Studies Partners Company Blog Resources Data & Compliance These reason codes are divided into three categories depending on the supposed cause of a chargeback: consumer disputes, processing error, or fraud. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. 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 TRRThe chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Chargeback Guide. Reason. The following chargeback reason codes are related to EMV: Visa: 10. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible Claim. 5, 16 May 2016. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. As such, it is limited to merchants in the following merchant category codes (MCCs): MCC 5735 — Record Stores. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. On that note, below are some vendor missteps that could result in Visa reason code 13. 4: Fraud—Card-Absent Environment. Chargeback Guide. As we touched on earlier, chargebacks can happen due to technical errors. 4849. website - Codes Category 4: Processing Errors. Description of Change Where to Look Incorporated the changes annoShopify Payments Chargeback Reason Code #5: Product Not Delivered. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. Duplicate Processing - 81Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. A chargeback is filed for this reason when an acquirer bank processed a transaction for a credit card accepted and later recognized in the list of Mastercard violation. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. The post below contains legacy information pertaining to the formerly-common Visa chargeback reason code 75. This list was generated 5/4/2022. A reference for dispute reason codes, divided by dispute event category. 11, 2 November 2015, RevisedCombined the Authorization-related Chargebackssection into chargeback reason code 4808(Authorization-related Chargeback) as announcedin the Global Operations Bulletin No. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. The reason for such chargeback (Non-Receipt of Goods or Services) is when a customer claims that they have paid for the items, but have not… 2 min read · Nov 2, 2017 Edward_Willmon Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. Skip to content. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. Chargeback reason code. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. MasterCard Chargeback Reason Code 4849 — Questionable Merchant Activity. Auto Write Off. About Careers Contact. At Visa they used to receive reason code 98. Nachstehend haben wir für Sie die häufigsten Ursachen mit ihren sogenannten Reason Codes aufgelistet. 11, 2 November 2015, RevisedMastercard only counts card-not-present, eCommerce transactions for which a chargeback is filed using reason code 4837 (“No Cardholder Authorization”). Code. In other words: if you want to prevent forking over more revenue in the end due to chargeback fees, a simple, easy refund policy is the right way to go. May 2011: 5. In simple terms, VCR introduced five definitive changes to the dispute resolution process: The timeframe for merchant response was shortened from 45 days to 30 days. Each code has a different timeline. 120 calendar days after the service. In simple words, the chargeback reason code provides the reason why you are dealing with a chargeback. Always swipe the card once in the direction of the arrow shown on the reader. Thanks for following the Chargeback Gurus blog. 4849 – Questionable Merchant Activity – Questionable Merchant Audit Program (QMAP).