When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. 6: Duplicate processing/Paid by other means. 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 a Mastercard late presentment chargeback to be valid, all the following conditions must apply: The cardholder’s account must be permanently closed. 9905. 2. 3. It depends on the chargeback reason code associated with the dispute. Maestro. 4 Other Fraud Card Absent. Cardholders can find loopholes in chargeback process, including illegal use of reason code C02 to their advantage. Learn about the different chargeback reason codes and what they mean. The issuing bank collects evidence from the customer and categorizes the chargeback using the appropriate, card network-specific, reason code. This does not include an AuthorizationIf the dispute involves a non-Visa card, the dispute can be paused for up to 72 hours for the merchant to respond. Each bank card network has its owner list of reason codes banks must prefer from. Solutions. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. Visa chargeback reason code 11. 7 RBI Penalty (Reason Code - 1065/ AC & AT RBI Compensation is settled today on manual basis RBI Compensation is completely automated. Credit not processed. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andVisa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. 5%. Reason Code 53 Re-presentment Conditions. Complete Listing of Check 21 Return Codes. 08. C04 = Goods/Services returned or refused. If you believe you have received an ACH return in error, you can contact your bank. The EMV SRC system can use device information to pull customer and card information through the system and automatically verify the customer. "Acceptable Reason Codes" has the meaning set out in section 2. ”. Categories for reason codes have changed over the years, especially because of the increasing number of. have 20 days to respond. C02. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. 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. 31. A well-structured rebuttal letter should address the chargeback reason code, clearly explaining why the cardholder's dispute is not legitimate and why the funds should be returned to you. MasterCard: Reason Code 4859 Services not rendered. 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 cardholders to choose from. Code 10. For example, 'R04' indicates that an invalid account number was. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. As expected, chargeback reason codes exemplified consumer sentiment. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. This involves the cardholder’s bank serving as a mediator, rather than eBay. 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. M01 Chargeback Authorization. This definitive guide includes the chargeback reason codes from each of the four major card networks. 7 RBI Penalty (Reason Code - 1065/ AC & AT RBI Compensation is settled today on manual basis RBI Compensation is completely automated. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). A reason code is how banks categorize the reason for a chargeback. have 20 days to respond. If more information is needed, you’ll either receive an Inquiry or a Chargeback. 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. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Complete Guide to Visa Compelling Evidence Update CE 3. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. The reason_code field lists the reason code the issuing bank has assigned to the chargeback. 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. A payment capture is the legally binding point at which transactional funds move from a cardholder's account into a merchant’s account. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. 800. AMEX CODE. Step #2 | Report the Scam to PayPal. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. Fight; Prevent; Recover; Predict; Success Story; Resources. 04/09/14 Discover: DC, U02. Categories for reason codes have changed over the years, especially because of the increasing number of. Process Flow for P2M:- Issuer Banks: Can raise chargeback with reason code 1065 (If customer is expecting compensation for non-fulfilment of goods/services. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. 2 is the result of receiving a declined authorization but going ahead with the transaction anyway. Receive the Chargeback. The implication is that the merchant is at fault. Reason Code 11. Note: Fraud is generally the most common chargeback dispute reason. 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. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. Include any terms relevant to the transaction, including return, cancellation and. Collect Compelling Evidence. Chargeback Reason Codes 62 and 4862 are issued when a merchant fails to compare the first four digits of the embossed account number on the card with the pre-printed digits below the embossed number for a card-present transaction or receives an authorization without the transmission of the entire magnetic stripe. * Introducing Compelling Evidence: An updated policy to help ease Disputes and reduce Chargebacks. The main chargeback reasons look like this: Malicious fraud. Scenario 2. School Yeshiva University; Course Title BUS MISC; Uploaded By KidGorilla7385. Reason Code 03. Chargebacks. Fight; Prevent;. This is a relatively common. C02 Incorrect routing/transit number (visible in the SSR eCheck NOC report). 6). The charge you submitted did not receive a valid authorization approval code for the amount of the. Scenario 1 — upfront chargeback. The cardholder alleges they never received the products or services. ”. Existing merchant customers: Call us at 1-800-451-5817, 24 hours a day, 7 days a week. 7. Section5. 1. The chargeback reason code. 975. For instance, if the customer claims unauthorized purchase, your letter should cite evidence, such as an IP address matching previous purchases, to support. Reason Code 04. R03 – Unable to locate account or no account. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. Amex Cardmember Dispute Chargeback Reason Codes C02 — Credit Not Processed. CODE: DESCRIPTION: A01: Charge Amount Exceeds Authorization Amount. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. Each code begins with 'R' followed by a two digit number. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. You should be. Contact us here or call us at 1. Code 4807: Fraudulent Card-Present Transaction. Common reason codes Mastercard. Administrative returns (R02, R03, R04): 3%. resolved via the chargeback management process and within timeframes. FR6 Partial Immediate Chargeback Program. For this reason, you must document all debit and credit card transactions and adhere to the strict rules set by the card networks. Merchants who believe they have received an invalid chargeback under reason code 11. But cardholders and merchants have different time limits. Late Presentment Rules: Mastercard. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Overall returns (all codes): 15%. Once filed, the merchant generally has 20 days to respond. Friendly fraud. You’ll put that reason code, the transaction amount and authorization number, and state that the. 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. Typical chargeback reason codes are: DA: Disputed amounts DD: Unearned (disallowed) discount amount Note. Common reason codes Mastercard. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. The Fintech Times. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. 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. Chargeback fees. Check out these codes under their fraud category. Please refer to chapter 5 for more information. Field name: reasonCode. Visa ® has launched the CE 3. You can learn more about each one by visiting the Mastercard Chargeback Guide. ”. 2: 10: Fraud:2. The actual underlying cause of this chargeback is. Solution. Take the time to note the following dispute reason codes for Visa. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. Written by Chargeback Gurus. Card Enrolled for 3-D Secure VS Card Not Enrolled for 3-D Secure. R02 – Account closed. Specify the invoice date and net due date to assign to chargebacks. This definitive guide includes that chargeback reason colors from each of the four major card networks. Credit not processed for cancelled or returned goods and services 2. The shorthand description is “Canceled Recurring Billing. For more information on these and other updates, check out our complete chargeback reason. Each reason code has certain standards of proof and evidence associated with it that determine whether the chargeback is valid or not. Photos, signatures, emails and other evidence that will help build your case. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Discover. There is a USD 25 limit for the First Chargeback (Reason Code 22). The chargeback initially results in the debit or credit card charge being reversed and the funds that you received for the payment being returned to the customer. EMV Liability Shift Non-Counterfeit Fraud. Goods / Services Damaged or Defective. Number two: Product Not Received chargebacks. Chargeback Reason Codes by Network - 2023 Guide. Once filed, the merchant generally has 20. What Are Chargeback Reason Codes?. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. 4853 – Cardholder Dispute – Credit Not Processed. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. 4853 – Cardholder Dispute – Credit Not Processed. The system does not accept blank as a value, even if it is defined in the user defined code table. Be sure you understand the cardholder’s claim. If the available information indicates that the customer dispute is a valid one, American Express will automatically debit your merchant account for the amount of the disputed transaction and will send you a chargeback notification for you to review. The shorthand description is “Credit Not Processed. Visa assesses the following fines, as specified in the table below, to a U. 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. com. Below is a list of Mastercard chargeback codes used in eCommerce. These are all the known American Express chargeback codes. Knowing these codes is vital for merchants to understand the reason for chargebacks and how to manage them. “American Express Chargeback Reason Codes | Sift”. Each network’s reason codes, however, can beVisa Chargeback Reason Codes. It's essential to respond within the. All reason codes. Unlike other. Any chargeback that is received without a reason code will be assigned a default code of 53. In short: capture is the point at which you get paid for a sale. This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. The newer system is designed to. And we have another way to help. Q. 4853 – Cardholder Dispute – Credit Posted as a Purchase. That said, looking up purchases using this number can make it easier to provide info following an. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. Transaction not authorised – the Card Issuing Company is stating that an authorisation code was required for the transaction, but it was not obtained. Category. Visa. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. Click the Update Chargeback link to edit the chargeback details. The goal is to reduce. Visa also overhauled its system of chargeback reason codes. )A chargeback reason code is just what it sounds like: A code indicating the reason a charge was disputed and a chargeback occurred. 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. Reference these when rebutting cardholder disputes at your small business. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. Category: Description. Effective for Transactions completed on or after 15 April 2016, A Transaction for which Authorization was obtained after a Decline Response was received for the same purchase. You can learn more about each one by visiting the Mastercard Chargeback Guide. Card issuers are in the process of enrolling all cards issued to cardholders to participate in 3-D Secure. Each code refers to one of the specific rationales that card networks consider legitimate reasons for a customer dispute. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. 998:In short: yes. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Unauthorized returns (R05, R07, R10, R29, R51): 0. chargeback management with an easy to use online system. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. Here are the two possible scenarios: 1. Reason Code. S. Discover: Reason Code 4755 Non-receipt of goods or services. These codes can help a merchant with an inquiry or chargeback reversal. Chargeback Reason Key by Network - 2023 Guide. Example: 25. In fact, 91. Reason Codes A chargeback reason code is a distinctive two-to-four-character combination of letters and numbers issued by the involved bank to identify why a dispute was initiated. All ACH return reason codes consist of the letter “R” followed by two. 1: 10: Fraud: EMV Liability Shift Non-counterfeit Fraud: 10. Amex: A02: No Authorization/Invalid Approval Code: 120: Authorization: Amex: A08: Authorization Approval Code Expired: 120: Authorization: Amex: C02: Credit Not Processed: 120: Cardholder. Implementing fraud preventing practices and going for illegal chargebacks is the best way to keep the business safe. • Proof that merchandise was shipped to a positive AVS-confirmed address (response ofThe customer regrets their purchase. Step 2: Customer initiates the chargeback. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Process Flow for P2M:- Issuer Banks: Can raise chargeback with reason code 1065 (If customer is expecting compensation for non-fulfilment of goods/services. Section5. A01 = Charge amount exceeds authorisation amount. Once filed, the merchant generally has 20 days to respond to 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. 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. Less than 20% of merchants noted a slight decline in Visa chargebacks after VCR, while over 55% reported no decline in chargebacks. An XCK entry may be returned up to 60 days after its settlement date. ” Here the cardholder is. A chargeback occurs when a charge on a customer’s account is reversed. Multiple Authorization Requests. As a merchant, you face the brunt of chargeback losses. The cardholder claims they were charged multiple times for a single transaction. Learn the details, the cause, how to respond and how to prevent American Express Reason Code C02 Credit Not Processed . Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. There are many reasons why a chargeback occurs, with over 100 reason codes listed across the major credit card brands. List of NACHA ACH Return Codes. Step 4: Card Network Collects Dispute Information. The assigned chargeback reason code outlines why a customer submitted the dispute. 3. Chargeback reason codes. Improve chargeback-resolution time. Additionally, one clearing transaction. ”. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. This could result from a bank buying another bank, which would cause routing numbers to change. Only an issuer can initiate the chargeback process. But, it could be up to 540 days, in some situations. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. The third digit indicates the specific reason within that category. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. WEX began issuing chip cards in Q4, 2020. As part of its move to support card-not-present merchants and airlines, Visa made changes to the compelling evidence requirements for four key reason codes: Reason Code 30: Services Not Provided or Merchandise Not Received. And according. Chargeback Reason Codes / American Express / C02 – Credit Not Processed Reason Code C02 Category Cardmember Disputes DESCRIPTION Why did I receive this chargeback? The cardholder claims you were supposed to provide a refund, but a credit hasn’t been applied to the card yet. 1. This provided a number of insights into the typical. The cardholder was expecting a full or partial credit from the merchant that was never received. On that note, below are some vendor missteps that could result in Visa reason code 13. A chargeback reason code is a number that helps to inform a hotel why a chargeback was filed. Amex Dispute Codes 2 address the specific dispute reason with the documents you send. 3 falls under the “Consumer Disputes” category. 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. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. EMV Liability Shift Counterfeit Fraud. Read on for the complete guide to dealing with chargebacks. Not only do you need to know how long the timeline is, but you also need to know when the clock. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. In that way, winning one dispute may help prevent the next chargeback to come after it. g. There are over 80 unique return codes, and each one represents a different type of return. Reason code 4808 – Authorization-Related Disputes; Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift; Reason code 4834 – ATM Dispute; Chargebacks filed with these reason codes are supported by a great deal. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. The shorthand description is “Goods/Services Damaged or Defective. The chargeback system was designed as a last resort; only to be used in specific situations. 3: Goods or services were not received: C08: RG: 4855: 13. ACH return code R13 indicates the transaction includes an invalid ACH routing number. CE 3. About American Express chargeback reason codes. Status: Status Details: Disputing on Your Behalf. 1 EMV Liability Shift 10. Here’s a look at the reason codes for the same scenario from the major credit card companies: Visa: Reason Code 30 Services not provided or merchandise not received. Braintree Support Articles. This definitive guide comes that chargeback reason codes from jeder of of four majority card networks. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. For example, suppose a cardholder filed a case about an order processing issue, and you disputed the chargeback. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. ”. Once you receive this notification, you have 11 days to submit a response. Below are some examples of more common reason codes. Solutions. Mastercard: Reason Code 4859 Service not rendered. 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. AMEX C02 Credit not Processed Cancelled/Returned by Cardholder YES YESAmerican Express chargeback reason code C28 falls under the “Card Member Disputes” category. 5158. Another thing you should bear in mind is that the card brand involved in the dispute can also change the reason code to suit new developments. Categories For Reason Codes. Duplicate Processing - 81“Visa has 28 different reason codes. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. These disputes are commonly referred to as friendly fraud. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Check the chargeback reason code. As we touched on earlier, chargebacks can happen due to technical errors. United States. About American Express chargeback reason codes. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. A chargeback happens when a customer requests for a transaction to be reversed. It depends on the chargeback reason code associated with the dispute. 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. 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. Click on “report a problem” and select the transaction in question. 7 Best Practices in Chargeback Mitigation Enable your teams to prevent disputes with our list of best practices. Chargeback Reason Codes Page 2 of 5. If the merchant has a signature showing that the order was delivered, or evidence that the. 0, these guidelines guarantee merchant protections from certain categories of disputes. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. Support; Login. 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). Chargeback reason code 10. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. 2. If you get a chargeback,. Simplify reason codes; Let’s look at each of these objectives a little more closely. manual processing by uploading chargeback documents instantly. R04 – Invalid account number. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. Visa Chargeback Reason Codes • 30: Services Not Provided or Merchandise Not Received • 41: Cancelled Recurring Transaction • 53: Not as Described or Defective Merchandise • 57: Fraudulent Multiple Transactions Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Fortunately, chargeback reason codes make it easy for merchants to understand the cause of chargebacks. A Complete Listing of all American Express Chargeback Reason Codes Prohibited Business Types American Express Tools That Help Prevent Chargebacks. 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 organizes their chargeback codes by categories. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. 634. Scenario 2. Once filed, the merchant generally has 20. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. Chargeback reason code. ”. Summary of Changes, 13 December 2018Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. The Time Frame charts in this guide indicate the reason codes, allowable time frames for chargeback processing and type. Valid Values/Format: 22 - First Chargeback Handling Fee. The cardholder alleges they never received the products or services. 45. Paid by alternate means and card. paper processing and mailing costs. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. Use this resource to prevent and fight chargebacks with greater accuracy. Chargeback Reason Code . 15, 2021. Managing Reason Code 62 chargebacks. Simple Order API; Virtual Terminal; Secure Acceptance - Hosted. Mastercard also considers some chargeback reason codes to be indisputable. Either the acquiring or issuing bank could initiate the chargeback. The aim of CE 3. C02: No Credit Received: A credit has not been applied to cardholders account for either: goods/services. Dubbed "Compelling Evidence 3. F02. Mastercard Chargeback Reason Code 71: Disputed Amount. M10 Vehicle Rental – Capital Damages. Credit not processed. Fraud filters are tools you can add to your e-commerce website to prevent potentially fraudulent orders from processing in your. chargeback management with an easy to use online system. The cardholder initiates contact with their bank or credit union to file a dispute. American Express . Some credit card companies also include a short phrase describing the code and chargeback. There are two parts to this. Chargeback. C18 – “No Show” or CARDeposit Cancelled. Because you have not met Seller Protection performance requirements , the transaction will be reversed. The reason for the dispute was false or inaccurate. Batch chargeback process. 3 falls under the “Authorization” category. The shorthand description is “Goods/Services Canceled. There are plenty of reasons as to why this would happen, hence the many. S. The following chargeback reason codes are related to EMV: Visa: 10.