Understanding CC Return Codes

Understanding Credit Card Return Codes

Allison Deuel

Aug 13, 2024

236

Visa
Reason Code	Reason	Description
10.1	EMV Liability Shift Counterfeit Fraud	The cardholder is claiming that they did not authorize or participate in a transaction that you processed. The terminal was not EMV compliant.
10.2	EMV Liability Shift Non-Counterfeit Fraud	The cardholder is claiming that they did not authorize or participate in a transaction that you processed. The terminal was not EMV compliant.
10.3	Other Fraud-Card Present Environment	The cardholder is claiming that they did not authorize or participate in a key-entered or unattended transaction conducted in a card-present environment.
10.4	Other Fraud-Card Absent Environment	The cardholder did not authorize or participate in a transaction conducted in a card-absent environment (such as internet, mail-order, phone-order, etc.).
13.1	Merchandise/Services Not Received	The cardholder claims that merchandise or services that they ordered were not received or that the cardholder canceled the order as the result of not receiving the merchandise or services by the expected delivery date (or merchandise was unavailable for pick-up).
13.2	Canceled Recurring	A recurring transaction was processed after it was canceled or that the cardholder's account was closed.
13.3	Not as Described or Defective Merchandise/Services	The cardholder claims the goods were not as described or disputes the quality of the merchandise or services.
13.4	Counterfeit Merchandise	The merchandise was identified as counterfeit by a third party.
13.5	Misrepresentation	The cardholder's bank received a notice from the cardholder claiming that the terms of the sale were misrepresented.
13.6	Credit not Processed	The cardholder's bank received a notice from the cardholder claiming that they received a credit or voided transaction receipt that has not been processed.
13.7	Canceled Merchandise/Services	The cardholder's bank received a notice from the cardholder stating that they returned merchandise or canceled services, but the credit has not appeared on the cardholder's Visa statement.
13.8	Original Credit Transaction Not Accepted	The original credit was not accepted.
Mastercard
Reason Code	Reason	Description
4837	No Cardholder Authorization	The cardholder states that they, nor anyone authorized by them, engaged in the transaction.
4840	Fraudulent Processing of Transactions	The cardholder claims that a fraudulent purchase was made while the card was in the cardholder's possession at the time of the transaction.
4849	Questionable merchant activity	The acquirer processed a transaction that was later was listed in a Mastercard Global Security Bulletin for violating GMAP, QMAP, or reported to SAFE.
4863	Cardholder does not recognize – Potential Fraud	The cardholder claims that they do not recognize the transaction and states that they did not authorize the charge to their credit card.
4870	Chip Liability Shift	The cardholder claims they were in possession of a valid card on the date of transaction but they did not authorize or participate in the transaction.
4871	Chip/PIN Liability Shift	The cardholder claims they were not in possession of a valid card on the date of transaction and they did not authorize or participate in the transaction.
4999	Domestic Chargeback Dispute (Europe region only)	The issuer can supply this message for a domestic chargeback that doesn't meet another chargeback categorization.
4841	Cancelled Recurring Transaction	A recurring transaction was processed after it was canceled or that the cardholder's account was closed.
4854	Not Elsewhere Classified (U.S. region only)	The cardholder claims they are unhappy with the goods or services provided and that they have been unable to resolve the situation.
4855	Non receipt of merchandise	The cardholder claims that merchandise or services that they ordered were not received or that the cardholder canceled the order as the result of not receiving the merchandise or services by the expected delivery date (or merchandise was unavailable for pick-up).
4860	Credit not Processed	The cardholder's bank received a notice from the cardholder claiming that they received a credit or voided transaction receipt that has not been processed.
6305	Cardholder does not agree with amount billed	The cardholder claims that the amount they agreed to pay differs from the amount charged.
4853	Purchase transaction did not complete.
4853	Credit posted as a purchase.
American Express
Reason Code	Reason	Description
F29	Card Not Present (fraud)	The cardholder denies participation in a mail; telephone or internet-type transaction.
FR2	Full recourse	A cardholder is claiming that they did not authorize or participate in a transaction that you processed.
F30	Fraud Liability Shift – Counterfeit	A cardholder is claiming that they did not authorize or participate in a transaction that you processed.
F31	Fraud Liability Shift – Lost/Stolen/Non-Received	A cardholder is claiming that they did not authorize or participate in a transaction that you processed.
F24	No Card Member Authorization	The cardholder denies participation in the charge submitted and you have failed to provide proof that the cardholder participated in the charge.
C14	Paid through Other Means	The cardholder provided proof of payment by another method.
-	Damaged and/or Defective Goods/Services	The cardholder disputes the quality of the merchandise or services.
C28	Cancellation of Recurring Goods/Services services	Cardholder claims that their account continues to be billed for recurring goods or services that they had previously canceled or revoked.
C08	Goods and Services Not Received	The cardholder claims that the goods or services that were purchased at your business have not been received.
-	Local Regulatory/Legal Dispute	The cardholder alleges that a law or regulation was not followed.
C02	No Credit Received	A credit has not been applied to cardholders account for either: goods/services canceled; an advance deposit/ payment or a no show reservation.
C04	Goods and Services not Received/Refused	The cardholder claims that the goods or services that were purchased at your business have not been received or have been refused.
C05	Goods Returned/Canceled	The cardholder claims that the goods/services ordered were canceled.
C31	Not as Described	The goods or services received from your business were either not as described by your business or the price should be lower than that claimed by your business.
C32	Damaged and/or Defective Goods/Services	The cardholder disputes the quality of the merchandise or services.
Discover
Reason Code	Reason	Description
4752	Does not Recognize	The cardholder claims that they do not recognize the transaction and states that they did not authorize the charge to their credit card.
4866	Fraud Chip Card Counterfeit Transaction	A cardholder is claiming that they did not authorize or participate in a transaction that you processed.
4867	Fraud Chip Card and PIN Transaction	A cardholder is claiming that they did not authorize or participate in a transaction that you processed.
7010	Fraud Card Present Transaction	A cardholder is claiming that they did not authorize or participate in a key-entered or unattended transaction conducted in a card-present environment.
7030	Fraud Card Not Present Transaction	The cardholder did not authorize or participate in a transaction conducted in a card-absent environment (such as internet, mail-order, phone-order, etc.).
4755	Non-Receipt of Goods or Services	The cardholder claims that the goods or services that were purchased at your business have not been received.
4553	Cardholder Disputes Quality of Goods or Services	The cardholder disputes the quality of the merchandise or services.
4541	Recurring Payment	Cardholder claims that their account continues to be billed for recurring goods or services that they had previously canceled or revoked.
8002	Credit Not Processed	A credit has not been applied to the cardholder's account for either: goods/services canceled; an advance deposit/ payment or a no show reservation.