Chargeback Reason Codes

A complete reference guide for Visa, Mastercard, Amex, and Discover chargeback
reason codes what each one means, why it was filed, and what evidence wins it

Reason
Card Network
Category
Reason Code
American Express Reason Code A01
Authorization Issue
A01
American Express Reason Code A02
Authorization Issue
A02
American Express Reason Code A08
Authorization Issue
A08
American Express Reason Code C02
Credit Not Processed
C02
American Express Reason Code C04
Consumer Dispute
C04
American Express Reason Code C05
Consumer Dispute
C05
American Express Reason Code C08
Item Not Received
C08
American Express Reason Code C14
Duplicate Processing
C14
American Express Reason Code C18
Consumer Dispute
C18
American Express Reason Code C28
Consumer Dispute
C28
American Express Reason Code C31
Not As Described
C31
American Express Reason Code F10
Fraudulent
F10
American Express Reason Code F14
Fraudulent
F14
American Express Reason Code F24
Fraudulent
F24
American Express Reason Code F29
Fraudulent
F29
American Express Reason Code F30
Fraudulent
F30
American Express Reason Code M10
Consumer Dispute
M10
American Express Reason Code M11
Consumer Dispute
M11
American Express Reason Code P01
Processing Error
P01
American Express Reason Code P03
Processing Error
P03
American Express Reason Code P04
Processing Error
P04
American Express Reason Code P05
Processing Error
P05
American Express Reason Code P07
Processing Error
P07
American Express Reason Code P08
Duplicate Processing
P08
American Express Reason Code P22
Processing Error
P22
American Express Reason Code P23
Processing Error
P23
American Express Reason Code R03
Processing Error
R03
Discover Reason Code AA
Fraudulent
AA
Discover Reason Code AP
Fraudulent
AP
Discover Reason Code AT
Processing Error
AT
Discover Reason Code CA
Consumer Dispute
CA
Discover Reason Code IC
Processing Error
IC
Discover Reason Code NA
Processing Error
NA
Discover Reason Code NC
Item Not Received
NC
Discover Reason Code NF
Consumer Dispute
NF
Discover Reason Code NR
Item Not Received
NR
Discover Reason Code PM
Duplicate Processing
PM
Discover Reason Code RM
Not As Described
RM
Discover Reason Code RN2
Credit Not Processed
RN2
Discover Reason Code RN4
Credit Not Processed
RN4
Discover Reason Code RT
Duplicate Processing
RT
Discover Reason Code SR
Consumer Dispute
SR
Discover Reason Code TF
Processing Error
TF
Discover Reason Code UA01
Fraudulent
UA01
Discover Reason Code UA02
Fraudulent
UA02
Discover Reason Code UA05
Fraudulent
UA05
Discover Reason Code UA06
Fraudulent
UA06
Mastercard Reason Code 4807
Fraudulent
4807
Mastercard Reason Code 4808
Authorization Issue
4808
Mastercard Reason Code 4812
Authorization Issue
4812
Mastercard Reason Code 4831
Processing Error
4831
Mastercard Reason Code 4834
Duplicate Processing
4834
Mastercard Reason Code 4837
Fraudulent
4837
Mastercard Reason Code 4840
Fraudulent
4840
Mastercard Reason Code 4841
Consumer Dispute
4841
Mastercard Reason Code 4842
Processing Error
4842
Mastercard Reason Code 4846
Processing Error
4846
Mastercard Reason Code 4849
Fraudulent
4849
Mastercard Reason Code 4850
Processing Error
4850
Mastercard Reason Code 4853
Not As Described
4853
Mastercard Reason Code 4854
Consumer Dispute
4854
Mastercard Reason Code 4855
Item Not Received
4855
Mastercard Reason Code 4857
Consumer Dispute
4857
Mastercard Reason Code 4858
Consumer Dispute
4858
Mastercard Reason Code 4859
Item Not Received
4859
Mastercard Reason Code 4860
Credit Not Processed
4860
Mastercard Reason Code 4862
Fraudulent
4862
Mastercard Reason Code 4863
Fraudulent
4863
Mastercard Reason Code 4870
Fraudulent
4870
Mastercard Reason Code 4871
Fraudulent
4871
Visa Reason Code 10.1
Fraudulent
10.1
Visa Reason Code 10.2
Fraudulent
10.2
Visa Reason Code 10.3
Fraudulent
10.3
Visa Reason Code 10.5
Fraudulent
10.5
Visa Reason Code 11.1
Authorization Issue
11.1
Visa Reason Code 11.2
Authorization Issue
11.2
Visa Reason Code 11.3
Authorization Issue
11.3
Visa Reason Code 12.1
Processing Error
12.1
Visa Reason Code 12.2
Processing Error
12.2
Visa Reason Code 12.3
Processing Error
12.3
Visa Reason Code 12.4
Processing Error
12.4
Visa Reason Code 12.5
Processing Error
12.5
Visa Reason Code 12.6.1
Duplicate Processing
12.6.1
Visa Reason Code 12.6.2
Duplicate Processing
12.6.2
Visa Reason Code 12.7
Processing Error
12.7
Visa Reason Code 13.2
Consumer Dispute
13.2
Visa Reason Code 13.3
Not As Described
13.3
Visa Reason Code 13.4
Not As Described
13.4
Visa Reason Code 13.5
Consumer Dispute
13.5
Visa Reason Code 13.6
Credit Not Processed
13.6
Visa Reason Code 13.7
Consumer Dispute
13.7
Visa Reason Code 13.8
Consumer Dispute
13.8
Visa Reason Code 13.9
Item Not Received
13.9

Stop chasing evidence.
Start winning your money back.

Flat monthly fee, keep 100% of what you win.

Get started with Trace
Trace Chargeback Management Logo
Sign up on Shopify
→
Sign up on Stripe
→
Product
Trace DisputesAI-Drafted ResponsesDirect Submission
integrations
StripeShopifyWooCommerceZapierView all integrations
resources
BlogFAQ'sChargeback Savings
CalculatorSupport
LEGAL
PrivacyTermsRefundHelp
LLMS.TXT
Get an AI summary of this page
©2026 Ember Labs, LLC
Contact us