Chargeback Reason Codes

The possible codes that a user can dispute a purchase with

🧾 Chargeback Reason Codes & Fraud Flags

This table outlines chargeback reason codes across Visa, Mastercard, and Amex with descriptions and fraud-related indicators.

Code	Reason	Description	Fraud Flag
10.1	EMV Liability Shift Counterfeit Fraud	Counterfeit chip card not processed as chip transaction at POS	✅
10.2	EMV Liability Shift Non-Counterfeit Fraud	Fraud blamed on merchant’s EMV terminal	✅
10.3	Other Fraud: Card-Present	Fraudulent transaction using the actual card	✅
10.4	Other Fraud: Card-Absent	Unauthorized transaction without physical card	✅
10.5	Visa Fraud Monitoring Program	Flagged by Visa's fraud monitoring	✅
11.1	Card Recovery Bulletin	Transaction not authorized; account in Card Recovery Bulletin	✅
11.2	Declined Authorization	Declined authorization, but transaction still processed	❌
11.3	No Authorization	No authorization or incorrect authorization submitted	✅
12.1–13.9	Various Non-Fraud Transaction Errors	Includes late presentment, duplicate processing, incorrect data, or customer complaints (goods/services)	❌
37 / 49 / 4837	No Cardholder Authorization	Cardholder denies authorizing transaction	✅
4870 / 4871	EMV Chip Liability Shift	Fraudulent chip transaction processed incorrectly	✅
4808	Authorization Related	Several cases of authorization failure or terminal issues	✅ / ❌
4834	Point of Interaction Errors	Includes duplication, invalid currency, late presentment, ATM disputes	❌
4849	Questionable Merchant Activity	Violates Mastercard rules or flagged on security lists	❌
4853–4854	Goods Not as Described / Installment Disputes	Claims around quality, contracts, or installment charges	❌
F24 / F29 / F30 / F31	Amex Fraud Codes	Claims of unauthorized or counterfeit card use	✅
A02 / NA / AT	Authorization Failures	No authorization or invalid method	✅
UA01–UA11	Discover Fraud Indicators	Range of card-present and card-absent fraud environments	✅
Others	(e.g., duplicate, canceled, no credit, quality issues)	Generally customer or merchant-side issues not related to fraud	❌

✅ What Is a Fraud Flag?

A fraud flag (✅) means the reason code is considered fraud-related by the card network. These are often used in machine learning models and chargeback protection filters to classify transaction risk.

Codes without fraud flags (❌) may still result in chargebacks but are not attributed to fraud by default.

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To reduce chargeback risk, always pass detailed transaction and user data using Coinflow’s Chargeback Protection SDK.

Updated 4 months ago