All chargebacks start with a customer making a purchase in person, in an app, or online. 6). If the order was genuinely not as described, then the cardholder has a case. Everyone has had the experience of buying. 3 Fraud – Card-Present Environment. These reason codes. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. Provide Explanation Give a clear overview of the documents you’re submitting, address the specific dispute reason, provide any changes made to the original purchase/agreement and explain the steps you’ve taken to resolve the dispute. Then it chooses the most applicable code for a. 3 DUE DATE American Express chargeback reason code C31 falls under the “Card Member Disputes” category. Duplicate Processing - 81Depending on the chargeback, the required evidence might consist of transaction receipts, particular authorization response codes, proof of delivery, correspondence with the customer, or any number of other specific documents. 5%. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. In the world of chargebacks, card networks almost always side with cardholders. Time Frames by Chargeback Type and Reason Code. Specify the invoice date and net due date to assign to chargebacks. Be careful not to process canceled or voided transactions. 00 EUR as a Withdrawal fee. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. This chapter covers how to find the real reason for a chargeback – including the three basic causes that are behind every single claim. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. Reason codes are important to help merchants address recurring. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. • Clarified support required to request a Chargeback Reversal for Cancelled recurring billing (ISO 4544/C28). If you receive a chargeback, it is imperative to review the provided reason code so you can take actionable steps to avoid future chargebacks, especially for the same reason. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. However, Visa is the largest card brand in both the United States and the world. With that said, you still need to understand the reason codes with any chargebacks from Amex. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from card Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. without a reason code will be assigned a default code of 1. It depends on the chargeback reason code associated with the dispute. Reason Codes Category 4: Processing Errors. for chargeback reason code 4863 (Cardholder Does Not Recognize). Description. Authorization. 4 to this dispute, indicating the purchase was fraudulent in a card-not-present environment. ”. 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). Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Code. Chargeback reason code 10. Merchants can fight chargebacks through a process called representment. Date Updated: Oct 17 2022 TABLE OF CONTENTS What Are Chargeback Reason Codes? Importance of Chargeback Reason Codes Chargeback Reason Code Categories The Complete Chargeback Reason Codes. 4846. 5 Categories of Visa Chargeback Reason Codes. The Allocation workflow applies to any chargeback assigned a “Fraud” or “Authorization”. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Thanks for following the Chargeback Gurus blog. Please note that the most common Chargeback reason code for Allocation disputes is 10. 2. Reason codes are very crucial to assist. 0 rule changes take effect April 15,. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Eligible Chargeback Reason Codes . Both Visa and MasterCard use special Reason Codes to designate chargebacks resulting from a late deposit of credit card transactions. However, the 30 day waiting period can be waived if you’ve. High-Risk (Excessive): Reaching a chargeback ratio of. Reasons why chargebacks happen. resolved via the chargeback management process and within timeframes. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. Merchants in the credit repair industry can fight chargebacks by keeping thorough records, including signed service agreements, invoices, receipts, and records of any communication with customers. Chargeback reports can help merchants identify opportunities to increase efficiency, improve processes, and prevent future. 1 chargeback: 1. Step 1: The cardholder disputes a charge. Summary of Changes, 13 December 2018REQUEST A DEMO. What is Visa chargeback reason code 12. American Express chargeback reason code C42. C28 – Cancelled. 4860 Credit Not Processed. The time limit for Reason Code 90 is 45 calendar days from the transaction processing date. But, merchants should be aware that, eventually, everyone will be required to use the new designations. 3: Not as Described or Defective Merchandise/Services A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. 0. To do so, they must provide evidence to the issuing bank that the. This code applies when valid authorization for a transaction was. Reason Code 53 re-presentments must be. 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. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. 26% - the number of chargebacks that result from undelivered orders. The system does not accept blank as a value, even if it is defined in the user defined code table. e. 5 Visa Fraud Monitoring Program. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. The assigned chargeback reason code outlines why a customer submitted the dispute. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. Category. Visa also overhauled its system of chargeback reason codes. Stop order fulfillment so cost of goods isn’t lost. EMV Liability Shift Counterfeit Fraud. Spot these types of chargebacks using the below reason codes. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. A chargeback happens when a customer requests for a transaction to be reversed. ️ Provide a better customer experience. 1. Proof you have already refunded the transaction and credited the cardholder’s account. domestic transactions, the dispute timeline can be based on one of two start dates. UA02 Fraud – Card Not Present Transaction. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. How you respond is determined by the chargeback reason code: Embed This Graphic. Also, just like American Express, Discover functions as both a card network and an. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. 1 – Merchandise/Services Not Received; Mastercard Reason Code 4853 – Goods or Services Not as Described or Defective;. 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. However, you’re not alone; they create headaches for many players within the Mastercard ecosystem. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. 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 TRR 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. ”. But, it could be up to 540 days, in some situations. One of two things will happen next. Standard Threshold: Reaching a chargeback ratio of 0. The cardholder claims they were charged multiple times for a single transaction. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing Try Shopify free for 3 days, no credit card required. Card Brand Code Description. C14 Paid by Other Means C15 Paid by other means/voucher provided C16 Billing out side of US and Canada C17 Card no valid in US C18 Canceled trans/no showTry Shopify free for 3 days, no credit card required. Dispute Category. A chargeback happens when a customer requests for a transaction to be reversed. 2 falls under the “Processing Errors” category. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. 12. Chargeback codes Last updated: August 16, 2023 Below you'll find a list of chargeback codes along with an explanation of what each one means, covering both. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. Additionally, Amex uses a fifth "Miscellaneous" category. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831 Transaction Amount Differs 4834 Duplicate. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some instances. [1] Sift. 02/10/16 Added Debit Chargeback Reason Codes. A reason code is how banks categorize the reason for a chargeback. A chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. Here are some chargeback reason codes by card type. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. 76 - Incorrect Currency or Transaction Code or * Domestic. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. Reason codes. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. 1. 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. The most common cause, though, is that the cardholder initially paid for a transaction with a Visa card, then decided to use. The merchant did not receive any returned merchandise. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. American Express: Reason Code C08 Goods or services. If a chargeback is issued, the cardholder’s bank reverses the fraudulent charge by giving them a provisional credit. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Inform your acquirer of the date that the credit was issued. the requested documentation, your account will be debited. C08 = Goods/Services not received or only partially received. 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. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. Here’s a step-by-step guide: Step 1: Get notification and login. 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. 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 first thing you should do when you receive a chargeback notification is to check the reason code that the card issuer assigns to the dispute. For all other transactions, the maximum amount of. C14 – Paid by Other Means. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. Also, remember that the time frame for your response includes any processing required by the acquirer. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. Chargeback Report. 2. In most cases, you will have 20-45 days in which to respond to a chargeback. 1 Merchandise/Services Not Received . S. Also, just like American Express, Discover functions as both a card network and an. “It’s a lot tougher with Mastercard because they only use four main codes. 0 hour of labor. com Europe. 1. It’s generally more efficient to take a proactive stance when it comes to chargeback management. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Receive the Chargeback. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Chargeback Reason Codes by Industry. “American. Chargeback. Reason codes vary by card brand. The transaction amount and authorization number (ARN. Ethoca alerts can prevent chargebacks before they hit your bank account. A02 = No valid authorisation. How to Manage ‘Late Presentment’ Chargebacks. 'luhfw fruuhvsrqghqfh wr wkh dssursuldwh hpdlo edvhg xsrq wkh uhdvrq frgh ri wkh lvvxh olvwhg ehorz <rx pd frpelqh lvvxhv iru gliihuhqw uhdvrq frghv lq wkh vdph fruuhvsrqghqfh rqo li wkh hpdlo ghvwlqdwlrq lv wkh vdph <rx pd. ; Help Center Find answers to common questions about Midigator’s technology,. Additionally, Amex uses a fifth "Miscellaneous" category. The customer regrets their purchase. The cardholder may be the customer or the someone who lent their card to a friend or relative. In fact, for every dollar lost to chargebacks in 2019, the average merchant lost an additional $2. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud. • Clarified support required to request a Chargeback Reversal for Credit not processed (ISO 4513) / Goods/ services returned or refused (C04). C14: Paid by Other Means: C18 “No Show” or CARDeposit. Yes. The cost to diagnose the C1214 code is 1. The new reason codes follow a format of two digits, a period, then a third digit. M49 Vehicle Rental – Theft or Loss of Use. This can provide important information to fight the dispute. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. A chargeback is the potential outcome of a disputed credit or debit card transaction. ”. Luckily, our reason code directory makes is a bit simpler to make sense of issuer codes. Always differentiate between card-not-present and card-present. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. Chargeback reason code 11. The most popular type of disputes of the chargeback category. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. C02 – Credit Not Processed. 4853 – Cardholder Dispute – Goods or Services Not Provided. Goods / Services Damaged or Defective. 1? Chargeback reason code 11. Card Recovery Bulletin Authorization Visa Code: 11. Identify issues within 24 hours of a cardholder dispute, rather than waiting. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Below is a list of Mastercard chargeback codes used in eCommerce. 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. Reason. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. There are dozens of reasons why cardholders and issuers dispute transactions. 3: Goods or services were not as described: C31: RM: 13. In all, there are four major categories of Chargeback Reason Codes. Less than 20% of merchants noted a slight decline in Visa chargebacks after VCR, while over 55% reported no decline in chargebacks. Complete Guide to Visa Compelling Evidence Update CE 3. Mastercard Chargeback Reason Code 71: Disputed Amount. A truly effective chargeback management strategy must encompass prevention as well as disputing cases of friendly fraud. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. F02. Each card issuer follows their own standards for defining reason type, code and its format. 1. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. Visa chargeback reason code 75 is filed as an honest mistake. Discover: Reason Code 4755 Non-receipt of goods or services. It is subject to change and may not include every currently known dispute reason code. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. This can be cash, check, or some other type or brand of payment card. Chargeback Code Authorization Errors; A01: Charge Amount Exceeds Authorization Amount: A02: No Valid Authorization: A08: Authorization Approval Expired:. C08 – Goods / Services Not Received or Only Partially Received. A chargeback report is a periodic report that compiles key chargeback stats to track trends and identify correlations between disputes and other business data. 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. Once filed, the merchant generally has 20. Common Point of Purchase: Data stolen from a merchant’s system is used to make fraudulent transactions. non_receipt: The buyer claims they didn't get the goods or services. Friendly fraud. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Click the Update Chargeback link to edit the chargeback details. Some payment service providers like PayPal and Stripe have their own reason codes as well. Mastercard also considers some chargeback reason codes to be indisputable. Reason Description; 4515: C14: Paid through Other Means:Learn about the different chargeback reason codes and what they mean. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. • Removed reason code 4840 (Fraudulent Processing of Transactions) Chapter 1—General Information. Code. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. Chargeback Request for Information Notification of Fraud ACH Direct Debit American Express Based on the region in which you have set up American Express, you will receive reason codes from one of these columns: Reason Code North-America: Canada and United States of America Reason Code: All other countries Fraud Authorization Processing Errors Reason Code C14 Category Cardmember Dispute Claim The cardholder claims you charged their card for a transaction they paid through other methods. The diagnosis time and labor rates at auto repair shops vary depending on the location, make and model of the. Paid by Other Means. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how to prevent disputes in the future. 10. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. Under Set Order Status, select None, Refund, or Chargeback. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. The notifications can help merchants stop chargebacks before they count against them. New Visa CE 3. Learn the details, the cause, how to respond and how to prevent. 2. 60 due to merchandise, fees, overhead, and other sources of loss. C14 Paid by Other Means; C18 “No Show” or CARDeposit Canceled; C28 Canceled Recurring Billing;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. While there are many chargeback reason codes, all chargebacks fall into one of three categories: A new 4 byte reason code will be used moving forward. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. 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 TRRChargeback reason codes are one piece of evidence you can use to make your case. For all other transactions, the maximum amount of. Updated Disputes/Chargeback Policy Coming April 2024American Express chargeback reason code C18 falls under the “Card Member Disputes” category. Victims apply for a legitimate-sounding work-from-home position, but are required to buy a laptop or other equipment. It can range from 60 to 120 days from the billing date. Other Fraud—Card Present Environment. 1 falls under the “Processing Errors” category. Overall returns (all codes): 15%. MasterCard does not have an equivalent reason code. ”. Then, they charge the merchant this credit amount to compensate for the bank’s loss, plus a. By entering your email, you agree to receive marketing emails from Shopify. The date the merchandise was returned. 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. Updated the following columns - card type, response due date. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Those reasons are explained through the corresponding reason codes. If one of your customers issues a chargeback through their bank, you have the chance to dispute it and win back the funds. Each code corresponds to an issue or problem. chargeback: The buyer filed a chargeback with the credit card issuer. Region Only) 4855 Goods or Services Not Provided. Chargeback Reason Codes Page 2 of 5. Reason code encyclopedia Your comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. 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. 3? Visa chargeback reason code 13. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Chapter 4: American Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Reason Codes; Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses;. This reason code is used when the cardholder claims that their card was used fraudulently without their permission. 4. Administrative returns (R02, R03, R04): 3%. The chargeback can be for the total transaction amount or a lesser amount. Please refer to chapter 5 for more information. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. Message. If your chargeback ratio is high [i. 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. Encrypt transmission of. Chargeback Reason Codes Retrieval Reason Codes 78 Int'l only Service Violation Code Discover 4541 AP 4586 AW 4755 RG 4553 RM 8002 RN2 Altered Amount Non-Receipt of Goods or Services0Cardholder Disputes Quality of Goods or Services MasterCard;45 Days from the central processing date of the transaction120 Days from the central processing. C14:. Invalid Reasons for a Dispute Updated August 23, 2023. Scenario 2. Scenario 1 — upfront chargeback. Explanation. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. 3 No Authorization. American Express is incentivized to keep their customers happy. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. A02 – No Valid Authorization. What is Visa chargeback reason code 12. United States;. About American Express chargeback reason codes. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. Mastercard: Reason Code 4859 Service not rendered. 4532-Damaged and/or. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. 3: Goods or services were not received: C08: RG: 4855: 13. See moreAmerican Express chargeback reason code C14 falls under the “Card Member Disputes” category. This chargeback will include a description that provides additional information: Digital Goods $25 or Less. 3: Goods or services were not received: C08: RG: 4855: 13. 2. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. 104. Merchants who believe they have received an invalid chargeback under reason code 13. 105. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Using the same link provided above, contact PayPal to report the scam. The charge you submitted did not receive a valid authorization approval code for the amount of the. Use this guide as a quick resource for Visa chargeback reasons at a. Invalid Reasons for a DisputeUpdated August 23, 2023. C02 = Credit not processed. 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. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. Merchant must provide proof of authorization. Reason Code 53: Not as Described or Defective Merchandise.