chargeback reason code 13. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. chargeback reason code 13

 
1 and Note on page 14 Chapters 1 and 2 Chapter 1 1chargeback reason code 13  Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy

For American Express; For Visa; For Mastercards; Chargeback Reason Codes List for American Express Make sure qualified cancellation and non-renewal requests are fulfilled promptly. Below are some examples of more common reason codes. Every dollar lost to fraud costs companies $3. 4 falls under the “Consumer Disputes” category. 5 is part of the updated Visa reason codes that were phased out under the Visa Claims Resolution initiative. 5, B. Visa /. com. Dispute Code. Actions: This is where you respond to a case. Include your merchant account ID, transaction ID, a short case summary, and the chargeback amount in your response. 4841 Canceled Recurring or Digital Goods Transactions. If you do perform a key-entered transaction, make a manual imprint of the card. The problem continues to grow out of control with each year. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Here's one example of a rebuttal letter you might write for a chargeback with a reason code indicating "merchandise not received. 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. 3: Goods or services were not as described: C31: RM: 13. 7) Chargeback Reason Codes Page 1 of 5 Card Type Reason Code Reason Text Chargeback Category Preventable Reversible MASTERCARD 4802 Requested/Required Item Illegible or Missing Request for Information YES YES MASTERCARD 4803 Documentation received was invalid/incomplete Request for Information YES YES The chargeback reason code. 1=1010,. Consider Deadlines. 5 – Misrepresentation. 11. 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. A08 Authorization Approval Expired. “Visa has 28 different reason codes. Visa chargeback reason code 13. Once you know why a chargeback happened, you can start building a case to address the claims that were made. Each card company has its own set of codes that indicate the specific reason that a cardholder initiated a dispute. 2: Canceled Recurring Transaction, is used when a cardholder claims a recurring transaction was processed illegitimately. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. 7: Defective goods and services: C32: RM: 13. 8 – Original Credit Transaction Not Accepted. Visa Merchant Official Documentation. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. 5, 53, C31, C32, RM : Credit Not Processed: 13. com. Mastercard: n/a This chargeback is caused by Authorization. In this post, you will find the most common chargeback reason codes for card-absent (card-not-present) Visa transactions. The chargeback reason codes below explain why this happened. The most common Visa Reason codes include 10. Discover. • For Visa Collaboration reason codes (RC 12. 7: Defective goods and services: C32: RM: 13. This category includes transactions disputed due to fraud:. We are writing to dispute the $1980 chargeback with the chargeback reason code 30 Services Not Provided or Merchandise Not Received. You must also explain why the chargeback. This means that if a merchant issues a refund in response to an alert, and it still results in a chargeback, the management company will refund the alert fee. Discover - RM Cardholder Disputes Quality of Goods or Services. To return the originalReference in the SECOND_CHARGEBACK webhook: Log in to your Customer Area; Go to Developers > Webhooks. MASTERCARD. 9 was previously covered by legacy Visa reason code 90. Chargeback Rebuttal Letter Samples. 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. The chargeback applies to the following scenarios: The. 2 Added chapter providing information about the DiscoverIf the customer canceled services or returned the merchandise, they should allow 15 calendar days to pass before filing a dispute. AT Authorization Noncompliance. 3 falls under the “Authorization” category. ”. Contact us here or call us at 1. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. Next to Standard webhook select the edit webhook icon . Chargeback prevention strategies vary based on the reason for the. Read the Chargeback Advice letter carefully. Visa Merchant Official Documentation. 4 – Counterfeit Merchandise 13. UA02 Fraud – Card Not Present Transaction. 3: Item Not as Described or Defective Merchandise/Services 13. 4 Other Fraud Card Absent. ” This code indicates that the cardholder claims they returned merchandise or canceled their services with the merchant, but did not receive a refund. Solution. 5: Misrepresentation: 13. Learn the details, the cause, how to respond and how to prevent Visa Reason Code 13. 13. 1: The chargeback time limits may be. A02 No Valid Authorization. Chargeback Reason Codes Reason code are the first key to understanding the root causes . 1 applies when customers never receive. The networks say merchants have a 45-day response window, but the Chase credit card chargeback time limit for merchants is 39 days. What is Visa Reason Code 12. View the entire list or search for any chargeback reason code. The tickets were held at the box office, and no signature, swipe or imprint. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. Visa chargeback reason codes are used to categorize the reasons for a chargeback. The shorthand description is “Original Credit Transaction Not Accepted. On that note, below are some vendor missteps that could result in Visa reason code 13. ” This reason code means that the cardholder is disputing a. Reason Code 13. The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds: Reason Code. 2 for Visa and Reason Code 4850 for Mastercard). When disputing a chargeback, select the document(s) that support your case, attach. Take, for example, a reason code 4853 chargeback claiming that merchandise or services ordered were not received. 8 is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. All received credit card disputes include a reason code. Dispute network reason codes categorization . 14. This may be done by either the merchant or the issuing bank. Whenever an incorrect account number is processed, or the. Code 12 . How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. Inform the cardholder when you issue the credit. . 13. MasterCard chargeback reason code 4540. 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. In these situations, a merchant’s billing descriptor is simply not recognized by the. 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. Message. Of course, these codes can still change at any time. Unfortunately, most merchants don’t pay attention to these codes—and it’s. 6 Credit Not Processed . The problem continues to grow out of control with each year. Steps to Prevention. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. The cost of payment card fraud has increased by 60% over the last decade, and is expected to increase significantly post Covid-19. 196For a list of all values for reason and chargebackReasonCode fields, refer to Dispute reason codes. 2 falls under the “Consumer Disputes” category. Chargebacks from all three categories can show . Condition 13. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. 6. Issuers must wait 15 calendar days from the credit transaction receipt date before initiating a dispute, unless doing so would cause the dispute to exceed the time limit. 4846. While the format of chargeback reason codes varies depending on the card network, all codes are alphanumeric. The following are some examples: Visa Reason Code 13. 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. Learning More about Visa Chargeback Reason Code 13. This code applies when customers. Chargeback Reason Codes by Industry. If you’re using the Online Dispute Management System, you will find the dispute reason codes on both the Level 1 and 2 screens. Non-Receipt of Dough or Auslastung Transaction Value. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. 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. The good news is that most of these invalid claims are disputable by the merchant. Visa chargeback reason code 13. Chargeback Guide • 13 December 2018 4. How long can the issuer wait to file a dispute? The dispute timeline can be based on one of two start dates. ECM monitors first presentment chargebacks regardless of reason code or transaction type. 5: Misrepresentation The cardholder claims the purchased good/service was misrepresented during the transaction. Identity theft and account breaches in which the merchant is the victim,. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. com 14. During this process, the representative of the institution examines the reasons’ list. This return reason code may only be used to return XCK entries. VCIPayments; NMI;. Mastercard. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. Reason Code: Numeric: Code for the chargeback request (see below). A chargeback can be initiated up to 120 days—but not more than 540 days—of one of the following events: The date the transaction was processed. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. 58%) Goods/Services Not Received (5. A cover letter The list of chargeback reason codes in this article is organized by card brand and type of dispute. Having a Lax Attitude Toward Industry Rules & Regulations. Understand EasyPayDirect's chargeback reason codes with our comprehensive guide. As we touched on earlier, chargebacks can happen due to technical errors. 4527 Missing Imprint 13 4530 Currency Discrepancy 14 4534 Multiple. Standard Threshold: Reaching a chargeback ratio of 0. What is Visa chargeback reason code 10. Under Additional Settings > Risk select the edit icon . Chargeback reason code 4853 can be used to indicate cases in whic the merchant failed to cancel a recurring payment (when requested by the cardholder). Visa Chargeback Reason Codes Mastercard Chareback Reason Code; 30: Services Not Provided or Merchandise Not Received 57: Fraudulent Multiple Transactions 62: Counterfeit Transactions 81: Fraud- Card-present environment 83: Fraud- Card-absent environment 13. 9 — Non Receipt of Cash or Load Transaction Value. VCR Dispute Reason Code 10. 1, for example, means the product was never received or provided. 1 to RC 13. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. 7) Currently, when cardholders contact their issuing bank to file a. 00 EUR as a Withdrawal fee. When you receive a dispute, a reason code will be assigned by the bank who issued the customer’s card. 10. Illegal Transactions: The merchant handled unlawful transactions. 1. Discover uses unique codes to explain those reasons to merchants. M49 Vehicle Rental – Theft or Loss of Use. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. The third digit. 1 is an updated version of legacy reason code 30, which was phased out under the Visa Claims Resolution initiative. The situation described by Visa chargeback reason code 13. 3: Goods or services were not received: C08: RG: 4855: 13. The shorthand description is “No Reply. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. For each reason code, a definition is The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Reason Code 13. message. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Cardholder-Activated Terminal (CAT) 3 Device. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. 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. Based on the information provided, Paymentology will investigate the transaction being disputed. 5?. 13. Declined Authorization Authorization Visa Code: 11. 4 Funding Process. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. Merchants who receive a chargeback for a transaction placed with a Visa card may encounter reason code 13. Documentation must be a direct result of cardholder communication. 3: Not as Described or Defective Merchandise/Services: 13. When they do, you’ll be given an. What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. 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 What is Visa Reason Code 13. The shorthand description is “Merchandise/Service Not Received. 3 falls under the “Authorization” category. ©Either the dispute must be processed within 120 calendar days of: the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date), or. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Paymentology will submit the chargeback using the appropriate chargeback reason code. Wait Time Limits for Cancelled Merchandise/Services (Dispute Condition 13. But some representative examples demonstrate how the compelling evidence should be matched to the reason code. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested item illegible: 07: Warning Bulletin File: 08: Requested/Required Authorization Not Obtained: 12: Account Number Not on File: 31: Transaction Amount Differs: 34:What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. Second Presentment Condition The acquirer can provide evidence to support one of the following: • The goods or services were provided. Visa chargeback reason code 13. By entering your email, you agree to receive marketing emails from Shopify. 6 – Credit Not Processed;Previously, Visa expected the disputing member to start the dispute by filing a pre-compliance chargeback under reason code 98 (now obsolete). 0. 3, which indicates a disputed transaction that the cardholder. 4: Counterfeit Merchandise:. FR6 Partial Immediate Chargeback Program. Dispute Code. It’s even more frustrating if you don’t understand what the. 4 is an updated version of legacy reason code 77, which was phased out under the Visa Claims Resolution initiative. Published: December 13, 2022. 2 – Cancelled Recurring Transaction:. Chargeback reason code 13. Reason codes are longer, up to 6 characters, and include decimal points. Visa - 13. 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. 4808: This code can refer to: Account Number Not on File. ”. Visa has grouped its chargeback reason codes into four dispute categories: Category 10: Fraud. Reason Code 14. 3 – Not as Described or Defective Merchandise/ Services 13. The list of chargeback reason codes in this article is organized by card brand and type of dispute. com, 13. 4527 Missing Imprint 13 4530 Currency Discrepancy 14 4534 Multiple. Visa chargeback reason code 13. Visa classifies disputes into four. 40 in 2016, according to LexisNexis. Example 1: Visa Reason Code 13. Chargeback Guide • 13 December 2018 4. 13. AT Authorization Noncompliance. Table of Contents. Automated Clearing House return codes, reasons, and details. NACHA Return Codes. 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 period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. List of 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. the date the customer received the merchandise or services (but not to exceed 540 days of the original transaction processing date) The dispute timeline can be based on one of two start dates. Chapter 2: Average chargeback rates; Chapter 3: Chargeback Reason Codes Guide; Chapter 4: American Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Reason Codes; Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9:. 11, 16. Chapter 2: Average chargeback rates; Chapter 3: Chargeback Reason Codes Guide; Chapter 4: American Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Reason Codes; Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9:. Acquirer Use of Message Reason Code 7623. The situation described by Visa chargeback reason code 13. 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. There are four primary phases to a Visa dispute: After Visa adopted VCR processes, most card networks altered their dispute cycles to be more in line with that used by Visa. Documentation must be a direct result of cardholder communication. Visa’s chargeback reason code 13. Be careful not to process canceled or voided transactions. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. Under the new VCR process, there will be 4 dispute categories: Fraud, Authorization, Processing Errors and Consumer Disputes. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 4: Counterfeit Merchandise: 13. Then, the crook attempts to trick the victim into disclosing personal account information (account number, routing information, SSN, etc. Try Shopify free for 3 days, no credit card required. Visa Chargeback Reason Codes. The following chargeback reason codes are related to EMV: Visa: 10. Make sure qualified cancellation and non-renewal requests are fulfilled promptly. Spot these types of chargebacks using the below reason codes. 13. 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. Take the time to note the following dispute reason codes for Visa. Thanks for following the Chargeback Gurus blog. As you can see above, VISA breaks things down in a manner that helps banks and merchants alike know exactly why a chargeback was initiated. Discover chargeback reason code 7030. 5 is part of the updated Visa reason codes that were phased out under the Visa Claims Resolution initiative. Cause. **NOTE: As of April 13, 2018, Visa has officially retired chargeback reason code 75. 1. Going back to our Reason Code C08 response, there are two modifiers that affect the evidence presented. 4812 Account Number Not On File. As you can see above, VISA. 10. However, the 30 day waiting period can be waived if you’ve. Visa Merchant Official Documentation. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. 11. An XCK entry may be returned up to sixty days after its Settlement Date. The shorthand description is “Insufficient Reply. Documentation must be a direct result of cardholder communication. 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. 8. 62. From COVID-19 to Hurricane Season: Disaster Preparedness for. 4859 Addendum, No-show, or ATM Dispute. Accepting recurring transactions is enough cause for acquiring banks and processors to label you as a “high-risk” merchant. 9 is slightly narrower in scope. for chargeback reason code 4863 (Cardholder Does Not Recognize). 7, 60, C02, RN2: Merchandise/Services Not Received : 13. This code applies when a cardholder claims to have returned merchandise or cancelled services, but the credit did not appear on the cardholder’s monthly. 2. Visa Chargeback Reason Codes. What is Visa Reason Code 13. Chargeback Reason Codes. 6? Chargeback reason code 13. 0, these guidelines guarantee merchant protections from certain categories of disputes. 4 = Counterfeit merchandise 13. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). 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. The date of the reservation or event. With that said, you still need to understand the reason codes with any chargebacks from Amex. 3. Rupay Cardholder Dispute Chargeback Reason Codes. min . 4860 Credit Not Processed. This can happen due to a variety of reasons, such. Under the legacy Visa Chargeback system, there are 22 chargeback reason codes (And remember, this is just for Visa. 4, 13. The sales receipt and/or date and amount of the authorization if other than the transaction date. Commonly selected actions include Dispute/Reverse Chargeback or Accept Chargeback. Free Download. underlying your chargeback. Merchants who believe they have received an invalid chargeback under reason code 12. All card brands have their own number of codes). The Chargeback Reason Codes are alphanumeric key codes provided to the merchant and that comes along with the chargeback request. ) A no-nonsense summary of evidence that proves transaction is legit. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. The Visa chargeback reason codes systematischer underwent a major overhauls in April 2018 as part of their new Visa Claims Determination (VCR) initiative. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. 9 Non-Receipt of Cash or Load Transaction Value;. Use clear and consistent billing descriptors. 2: Cancelled Recurring: 13. 13. EMV Liability Shift Counterfeit Fraud. 975. 00 EUR as a Withdrawal fee. As such, it’s best to work with a professional chargeback mitigation company. 2. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. 1. 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. 3 – Defective or Not as Described Service or Merchandize. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,When a cardholder files a chargeback, the issuer attaches a reason code to the transaction. Learn in detail about the dispute reason codes and documents required for representation. M01 Chargeback Authorization. November 2, 2023 | 13 min read Managing Merchant Chargebacks. Process reversals and credits promptly. In those. UA06 Fraud – Chip and PIN Transaction. It could also prevent cardholders from abusing this chargeback reason code directly after their purchase, especially in cases where services were rendered within the 30-day wait period. What is Visa chargeback reason code 13. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. 1 -. 81. . ” This code indicates that the. The acquirer or payment service provider then provides the information to the merchant. This indicates that the merchant has failed to respond to a transaction inquiry before the deadline elapsed. Please note that the most common Chargeback reason code for Allocation disputes is 10. Bank of America issues both Mastercard- and Visa-branded cards, so the exact requirements may vary depending on the Mastercard reason code or Visa reason code . This indicates that the merchant didn't respond to an inquiry properly. Visa announced changes to the following reason codes: Reason code 1350 Misrepresentation –an Issuer may initiate a Dispute under this reason code if the dispute applies to a transaction in a card-absent environment where merchandise or. Reason Code 53: Not as Described or Defective Merchandise. Updated Disputes/Chargeback Policy Coming April 2024Please note that the most common Chargeback reason code for Allocation disputes is 10. Multiple Authorization Requests. What are chargeback reason codes? Issuers send chargebacks to the merchant’s acquiring bank with a reason code to communicate what caused it. 1 - Merchandise/Services Not. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Previous Chargeback Reason Code. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. #9. The dispute timeline can be based on one of two start dates. Visa ® has launched the CE 3. Depending 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. Check the chargeback reason code. Chargeback reason code 12. 13. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. 5 – Incorrect Amount 12 . 2, and 13. These codes are typically provided to the merchant through their payment processor, and understanding them is crucial for minimizing returns and improving payment processing. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. FR2 Fraud Full Recourse Program. However, if the credit transaction receipt is dated, the issuer must let at least 15 calendar days pass before initiating a dispute. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Stripe maps each network code into one of eight categories, based on the general claim and the evidence you need to submit to effectively challenge that type of claim. High Level Visa Chargeback Dispute Flow. 6 falls under the “Consumer Disputes” category. 3: Not as Described or Defective Merchandise/ Services: 13. American Express often sends inquiries to merchants, through their acquiring banks, to gather more information about a. 3. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Excessive Fraud: The merchant’s sales volume thresholds for the ratio of fraud to sales were exceeded. Clearly and concisely communicate your cancellation policy and make it. 4808 Authorization-Related Chargeback.