If you did not receive the email, open Mave, Wave’s automated chatbot, and. 3 applies when a cardholder claims a charge—made in a card-present environment—was. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. underlying your chargeback. Here's a list of all the current Visa reason codes: Chargeback Code. For example, some reason codes offer cardholders over a year to file. #4 step: The issuer assigns a chargeback reason code. Processing Errors Category Codes. With that said, you still need to understand the reason codes with any chargebacks from Amex. Visa groups its chargeback codes into four main categories—fraud, authorization, processing errors, and customer disputes. A dispute often has a reason code associated with it. The chargeback reason code 53 is a very common reason code. 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. A CSC is a three or four digit number printed (not embossed) on a credit card. Chargeback Reason Codes. 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. Code. Specify the invoice date and net due date that you want the system to assign to chargebacks. non_receipt: The buyer claims they didn't get the goods or services. Make sure the evidence you include and the claims you make are relevant to the chargeback reason code, the product purchased, the cardholder’s claims, the type of transaction processed, etc. Chargebacks. Below is a list of Mastercard chargeback codes used in eCommerce. 4 Other Fraud Card Absent. the Chargeback. 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. UA02 Fraud – Card Not Present Transaction. What is Visa chargeback reason code 11. Each chargeback is disputed by a specific reason code. F02. Only an issuer can initiate the chargeback process. Reason Code Reason Code North-America Reason Description; 4540: F29: Card Not Present (fraud). If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. They control the respective networks through which transactions involving Visa- and Mastercard-branded cards are processed, but. 2. reason code information. For example, a debit may have been processed instead of a credit, or a credit processed instead. com . Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. The difference is that, while a Code 83 designates a chargeback where an authorization request was not submitted, a Code 71 results from processing a transaction for which authorization was. At Visa they used to receive reason code 98. Spot these types of chargebacks using. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingThis could include showing that the chargeback was for a different amount than the original transaction or that the reason for the chargeback is incorrect. EMV Liability Shift Non-Counterfeit Fraud. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. Description of Change Where to Look Updated Chip Liability Shift table elements Second Presentment Condition bullet #2, Supporting Documents and DE 72. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. . Carefully analyze the reason provided by the cardholder for the chargeback. Reason Code: Description: 17: Cash Dispute-ATM Only: 30: Cardholder Disputed Amount (U. If more information is needed, you’ll either receive an Inquiry or a Chargeback. By 2023, the average cost of a single chargeback is expected to be $190, based on a $90 average transaction value. ) A no-nonsense summary of evidence that proves transaction is legit. chargeback: The buyer filed a chargeback with the credit card issuer. 4630 . Visa chargeback reason codes. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. The shorthand description is “Insufficient Reply. F02. This may be done by either the merchant or the issuing bank. The aim of CE 3. Each card network maintains reason codes to cover all the disputes that qualify for. 2 falls under the “Authorization” category. chargeback: The buyer filed a chargeback with the credit card issuer. NEW. Category. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Fraudulent Activity. S. Each chargeback reason code has specific rules and documentation requirements. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and believes that the transaction was fraudulent. There are 151 chargeback reason codes across the four major card networks. The list of chargeback reason codes in this article is organized by card brand and type of dispute. 33 (-2. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. 18167 US Highway 19 N Clearwater, FL 33764 877. 6 Duplicate Processing/Paid by Other Means. Reason Code. 3: Goods or services were not received: C08: RG: 4855: 13. 4630 . 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. 4. The Reason Code is a number that represents the reason for an action in the chargeback process. Using the same link provided above, contact PayPal to report the scam. For example, if the chargeback reason is. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. According to research, actual fraud or online shoplifters accounts for only 29-30% of total fraud losses for e-commerce which is a criminal fraud. Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable. Fraud. The shorthand description is “Declined Authorization. Unfortunately, the final decision in such cases comes down to the issuing bank, and not. 71%) Cancel Recurring Billing 17. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. The shorthand description is “Incorrect Transaction Code. Once you hear from. This will be referenced in the chargeback notice you received. 2 falls under the “Authorization” category. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. 4853 – Cardholder Dispute – Credit Posted as a Purchase. [MasterCard Reason Codes 4853, 4855, 4859; Visa. Clerical Reason Code 71: Declined Authorization. At Visa they used to receive reason code 98. ” This reason code is used when a transaction is posted to the wrong account number. However, it also encompasses scenarios like. It is subject to change and may not include every currently known dispute 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. Mastercard Chargeback Reason Code 71: Disputed Amount. By entering your email, you agree to receive marketing emails from Shopify. For the sake of simplicity and standardization, card networks like Visa created a breakdown of the acceptable causes for a customer to dispute a charge by filing a chargeback. At this stage,. Specify the default reason code that you want the system to assign when you enter a chargeback amount. It may be complicated, though. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Friendly fraud is challenging for merchants because it’s tough to diagnose. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Although there have not been major updates to Mastercard’s chargeback rules in 2022, there were a few notable changes in 2021. Chargeback reason code. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. PRICE code. non_receipt: The buyer claims they didn't get the goods or services. Visa uses the four main categories to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. 3 No Authorization. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. The most comprehensive guide to chargeback reason codes. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. 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. '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. 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 71: Declined Authorization. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. This reason code is assigned to consumers wishing to file a chargeback for defective product. Download our 100+ page comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Description. 3 is the less common version for card-present transactions. Every chargeback is filed with a reason code that identifies the given reason for the dispute. The chargeback reason code is important in determining the evidence you need to provide to successfully win the chargeback dispute. Once you know why a chargeback happened, you can start building a case to address the claims that were made. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a chargeback. Customer Dispute. Values are: Blank: Use the receipt G/L date. Legacy Code: 71. 16 Chargeback Reason Code 71 – Declined Authorization. To facilitate the RuPay members in raising and resolving a dispute on a transaction which had previously been cleared by RuPay, RuPay has defined the rules and guidelines for the dispute management process in this manual. Visa chargeback reason code 12. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. Learn more about Visa. ”. 16, 2021. Merchant processed transaction below floor limit without authorization. Chapter 2 1. 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. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. 4 applies to eCommerce, whereas code 10. Declined Authorization Authorization Visa Code: 11. A reason code is an alphanumeric code that explains the reason behind the dispute. 1: goods not received. Shared Deposits Only) 70: Chip Liability. A “No Authorization” code chargeback can also be the. 7 Message Reason. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. 71%) CMC Crypto 200. The terms may be different, but the process remains fairly unchanged. Either the acquiring or issuing bank could initiate the chargeback. 3? Visa chargeback reason code 13. Discover is a credit card network and an issuing bank—just like American Express. Chargeback . 1. These fraud tools are designed to warn users of potentially fraudulent transactions, letting users stop and reject untrustworthy transactions. Most common causes for Reason Code 71. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. 0: Changed report name from Downloadable Dispute Report to Case Report. 1, 5 January 2016. There are over 80 unique return codes, each representing a different return type. Check with the issuing banks to determine what time limits may apply to you. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. This reason code indicates that the merchant processed a transaction without first obtaining a correct and valid authorization approval. The good news is that most of these invalid claims are disputable by the merchant. Now, compliance cases go through Visa Resolve Online (VROL). The chargeback process can last from one month to six months. To avoid this, issuers can identify their chip cards using the Service Code field with a first byte value of 2 or 6. By entering your email, you agree to receive marketing emails from Shopify. Share this graphic on your website or blog. The transaction amount and authorization number (ARN. There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other Chargeback Categories. 2: 10: Fraud:6. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. 2? Visa chargeback reason code 11. The number of in. What are the odds a merchant will “win” the chargeback dispute? The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. This simply means that the product or service is defective or not as per the commitment of the merchant. In fact, 91. 2 is an updated version of legacy Visa reason code 71, which was phased out under the Visa Claims Resolution initiative. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. reason code information. Depending on the reason for the chargeback, your evidence needs to prove you: verified the identity of the shopper. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. 00 EUR as a Withdrawal fee. #9. A Charge is Disputed * We’ll work directly with the Card Member and try to resolve the case before reaching out to you. A chargeback happens when a customer requests for a transaction to be reversed. 2 is an updated version of legacy Visa reason code 71, which was phased out under the Visa Claims Resolution initiative. Legacy code as currently displayed in the AWC. 5 Proven Tactics to Win. 1: Use the corresponding dates from the invoice. 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. 4853 – Cardholder Dispute – Goods or Services Not Provided. “ Chargeback Fraud Threat Growing as 65% of Chargebacks911’s Respondents Reported an Increase in 2022 “. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. reason code information. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. Acquirer Use of Message Reason Code 7623. 1002 - Cardholder disputes billed amount. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Visa chargeback reason code 11. 7: Defective goods and services: C32: RM: 13. When alerted about a potential chargeback, businesses can reach out to the customer promptly to understand and address their concerns. Added the following fields - Store ID, Credit Card Chargeback Reason Code. CM . M01 Chargeback Authorization. Each bank card network has its owner list of reason codes banks must prefer from. ”. Authorization related Chargeback: 4834:. The right to reason codes: When a card issuer files a chargeback, they must attach a reason code that identifies the grounds for the dispute. Chargeback reason codes apply to disputes, between a cardholder (customer) and a merchant, when the dispute has escalated to a chargeback. Feel free to submit topic suggestions, questions or requests for advice to:. This scenario applies when the arbitration was raised by either the. Date Option. Discover: Reason Code 4755 Non-receipt of goods or services. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. Once you receive this notification, you have 11 days to submit a response. Mastercard Chargeback Reason Code 70: Chip Liability Shift. 16. Code 4807: Fraudulent Card-Present Transaction. This code is used when a cardholder cancels a recurring transaction but is subsequently billed again by the merchant. The issuing bank will then pass on the chargeback to the merchant. 15, 2021. Cardholder Disputes. chargeback: The buyer filed a chargeback with the credit card issuer. Visa chargeback reason code 71 falls under the “Authorization” category. . Technical. . This extra step can be frustrating for Card Members and lead to lost sales. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. However, they don’t address the reason why that chargeback was issued in the first place. The remaining 71% of losses come from chargeback fraud and friendly fraud. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. . Exploring Visa Chargeback Reason Code 12. Click on “report a problem” and select the transaction in question. ”. UA02 Fraud – Card Not Present Transaction. Are there any new Reason Code changes? Yes, Visa has provided a new list of Reason Codes and Conditions. Cancelled Recurring Billing - 71 is an American Express Chargeback Reason Code that merchants and e-commerce sellers should be aware of. FR4 Immediate Chargeback Program. 4863: Cardholder does not recognize. Example: 25. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. The Merchant Reviews the Partial Chargeback Claim. Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive . For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. , as a result of a legitimate purchase of the Driving Manual from our online store drivingmanual. Here’s how. MasterCard does not have an equivalent reason code. 196Further information at page PSR-564, 11. Other Ineligible Transactions Under Reason Code 62, Condition 2 . Download our 100+ page comprehensive guide to reason codes, modifiers, time limits, and compelling evidence. 1? Visa chargeback reason code 12. Let’s say you got a Visa chargeback with reason code 13. Visa chargeback reason code 71 falls under the “Authorization” category. This is commonly caused by either true fraud or friendly fraud. This is a code taken from the card scheme’s published list, which identifies why the issuer filed the dispute: Visa Chargeback Reason Codes. Chargeback fraud, in particular, accounts for 30 percent of total. Each of these causes has a designated “reason code,” and banks assign the appropriate code to. Visa chargeback reason code 72 falls under the “Authorization” category. Batch chargeback process. 4512:Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. We are writing to dispute the $1980 chargeback with the chargeback reason code 30 Services Not Provided or Merchandise Not Received. We’ve all been there as an eCommerce owner: you excitedly ship out a $1,500 order to a customer, and then a few weeks later you’re notified that the customer has opened a chargeback dispute. Use this guide as a quick resource for Visa chargeback reasons at a. Chargebacks from all three categories can show . 4850: Installment Billing Dispute: List of reason codes supported by Pega Smart Dispute for Issuers in Maestro are as following: Reason codes in Maestro. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. 2 Compliance CasesWEX began issuing chip cards in Q4, 2020. 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. The transaction amount is re-charged to the cardholder’s account, and the funds go back into your bank account. ECM monitors first presentment chargebacks regardless of reason code or transaction type. Specify the default reason code to. Visa Chargeback Reason Code 10. The following chargeback reason codes are related to EMV: Visa: 10. Fraudulent TransactionsHere are some chargeback reason codes by card type. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. The network hasn't wholly disallowed some old codes. There are five main categories of Visa chargeback reason codes: Fraudulent Transactions, Authorization Issues, Processing Errors, Consumer Disputes, and Other Chargeback Categories. Multiple Authorization Requests. 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. 2 Added chapter providing information about the DiscoverIf a dispute has a strong enough basis to warrant a chargeback, Discover will send a chargeback notice to the merchant along with the reason code for the chargeback. The customer is claiming that this purchase was not authorized. Authorization Category Codes. Make sure you differentiate between card-absent and card-present transactions during clearing by noting internet phone, or mail orders. “Visa has 28 different reason codes. 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. 71% of digital commerce losses result from chargeback fraud and friendly fraud. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. com . There are plenty of reasons as to why this would happen, hence the many. 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. Chargeback stands If you don’t reply in time or with the right documentation, the Chargeback will stand. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. PRICE Code Send Dispute . The cardholder claims they were charged multiple times for a single transaction. The merchant did not receive any returned merchandise. It’s even more frustrating if you don’t understand what the chargeback code means. Skip to content. Chargebacks were introduced as a form of consumer protection against. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. 2 Declined Authorization 72(1) 11. 4: Other Fraud–Card-Absent Environment. Required Authorization Not Obtained. Reason code 83 represents a chargeback categorized as. The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. 16, 2021. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. While the format of chargeback reason codes. 83 (2) 12. up under any number of different chargeback . Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. In 2021, the main update was the streamlining of their list of chargeback reason codes—consolidating them into a few numeric codes, each holding a text description distinguishing it from the others. Note: Fraud is generally the most common chargeback dispute reason. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. All of Visa’s existing reason codes. Supporting Documents You could potentially reverse a Chargeback by providing the. Current Reason Code New VCR Reason Code 70(1) 11. The list of chargeback reason codes in this article is organized by card brand and type of dispute. For each reason code, a definition isChargeback reason code 10. A dispute often has a reason code associated with it. 3 falls under the “Authorization” category. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity Goods / Services Damaged or Defective. Each card. 1. For the sake of simplicity and standardization, card networks like Visa have created a breakdown of the acceptable causes for a customer to dispute a credit card charge by filing a chargeback. 755. If you do perform a key-entered transaction, make a manual imprint of the card. 2 EMV Liability Shift. . • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Friendly fraud is now reportedly the #1 fraud attack source that merchants have to deal with. The portion of fraud taking place in mobile channels jumped in 2021, more than tripling from 8% of US retail fraud in 2020 to 27% in 2021. . For each reason code, a definition is 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 5 Categories of Visa Chargeback Reason Codes. Responding to Mastercard Reason Code 4853 Chargebacks. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. 11, 16. Early Warning: Reaching a chargeback ratio of 0. Chargeback Reason Codes List for Visa Chargeback Code Chargeback Reason 30 Services Not Provided or Merchandise Not Received 41 Cancelled Recurring Transaction 53 Not as Described or Defective Merchandise 57 Fraudulent Multiple Transactions 62 Counterfeit Transaction 71 Declined Authorisation 72 No Authorisation 73 Expired Card 74 Late. Chargeback reason codes are what tell a merchant why a customer is disputing a charge. What is Visa Reason Code 13. This is up from #5 in 2019. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)What is Visa chargeback reason code 11. 4. For example, 10. 2. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involving2. To avoid chargebacks under Reason Code. This indicates that the merchant didn't respond to an inquiry properly. Here’s how your store can prevent and deal with chargebacks. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback. 3: Goods or services were not as described: C31: RM: 13. Chargeback Reason Code. Here are some chargeback reason codes by card type. 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 YES5 Categories of Visa Chargeback Reason Codes.