The Sift Digital Trust & Safety Platform does what other fraud tools can’t, patented technology delivers. Card networks send these codes to merchants to indicate why a chargeback has been filed. 8 Added American Express chargeback information Chapter 3 1. Through 2021, we. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. MasterCard - 4855 Goods or Services Not Provided. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. In the event of alleged criminal fraud or merchant error, the code returned. 4 spec (Section 8. 3 falls under the “Authorization” category. 4863: Cardholder does not recognize. Invalid or Expired Card : 37 : Fraud Transaction No. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. It could apply for merchandise or services being different than described, or disputes involving counterfeit goods (just to name a few examples). 3. Which is meant to know the reason for the dispute. The reason code specifies why the chargeback was initiated. : The act of challenging any claim over the. Summary of Changes, 13 December 2018Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. 4846. Category. High Level Visa Chargeback Dispute Flow. The third digit indicates the specific reason within that category. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. message. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andVisa Chargeback Life Cycle. They utilize bank identification numbers in the range between 34*. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. There are several reasons why many merchants turn a blind eye to suspected return fraud. The chargeback transfers funds from the acquirer to the issuer. Check the chargeback reason code. Most reason codes apply to any merchant, regardless of what’s being sold. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Always print and double-check the account number on all phone and mail orders. Visa ® has launched the CE 3. 10. There are two parts to this. Vantage HouseThe issuing bank collects evidence from the customer and categorizes the chargeback using the appropriate, card network-specific, reason code. 1 to RC 11. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. 60 due to merchandise, fees, overhead, and other sources of loss. Region Only) 4855 Goods or Services Not Provided. 100007:With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. . And if the merchandise was returned for late delivery, the issuer should wait 15 days after the return of the merchandise before filing a chargeback. Codes are not often shared between issuers which means it can be difficult to remember the details of each. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Provide exemplary customer service. Cause. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. Documentation must be a direct result of cardholder communication. [noun]/* kre • dǝt • kard • dis • pyōōt/. Summary of Changes, 20 November 2017 This document reflects changes made since the last publication. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. This situation can occur when a merchant accidentally enters. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some instances. . Reason code 4842 (Late Presentment) was retired. [1] Sift. 100007: 400* INVALID_REQUEST: Message reason code invalid for this chargeback - Contactless. 3: Goods or services were not received: C08: RG: 4855: 13. The transaction amount is re-charged to the cardholder’s account, and the funds go back into your bank account. 4, MasterCard 4837, AMEX F29, Discover UA02, and so on). Chargeback reason codes have changed. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. Recurring billing transactions are a frequent source of conflict, disputes, and. Overall returns (all codes): 15%. Knowing these codes can help you dispute chargebacks more effectively. 4. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. UA02 Fraud – Card Not Present Transaction. A chargeback happens when a customer requests for a transaction to be reversed. F01. Cancelled Recurring. Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. 2. Visa Chargeback Reason Codes. 1 Different workflows Disputes will be routed in two different workflows, called Allocation and Collaboration. without a reason code will be assigned a default code of 1. Learn about the different chargeback reason codes and what they mean. This will be referenced in the chargeback notice you received. A chargeback happens when a customer requests for a transaction to be reversed. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not Received Non-Receipt of Goods or Services NO YES VISA 41 Canceled Recurring Transaction Cancelled/Returned by CardholderThe chargeback reason code. • For Visa Allocation reason codes (RC 10. A chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. Review your credit card processor’s policies to understand its chargeback dispute process. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. 23 = item exceeds dollar limit. The cardholder files a chargeback via their bank. UnionPay is a payment method available worldwide, but very popular in APAC countries. The most comprehensive guide to chargeback reason codes. 1 Merchandise/Services Not Received . Mastercard will eliminate dispute Reason Code 63 “Cardholder Does Not Recognize”. Paymentology will submit the chargeback using the appropriate chargeback reason code. EMV has been a mostly global standard since 2004. Always use the correct cardholder verification method—signature, PIN, etc. The major card networks have unique reason code systems, and banks use separate tools. Fight; Prevent;. Chargeback The cardholder acknowledges they engaged in a transaction yet is unhappy, dissatisfied with the experience or tried to cancel in advance and is attempting to be refunded. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. If you're contesting a chargeback, you'll need solid evidence. A chargeback occurs when a customer disputes a charge from your business on their credit or debit card. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. The customer regrets their purchase. This can be transaction receipts, proof of. The reason code may not reflect the true reason for the chargeback. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. Dispute Best Practices Guide Overview This guide includes: An overview of authorization and transaction processing An overview of retrievals and chargebacks Reason code guidelines for all. mastercard chargeback reason code 37. That's why we've created this guide, which goes over what reason codes are and how they help fight chargebacks and includes up-to-date lists of the reason codes for all the major US card networks. F24. Based on the information provided, Paymentology will investigate the transaction being disputed. Always print and double-check the account number on all phone and mail orders. 37. Merchants will no longer receive a credit when the First Chargeback Response is sent to the issuing bank for review; however, an adjustment will be. Different card networks have different reason code systems. 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. To help you identify what happened, look up the code you received for the dispute below. This may be done by either the merchant or the issuing bank. #9. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. 0. The first thing to understand is that not all chargebacks are the same. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. 3. A chargeback happens when a customer requests for a transaction to be. Any chargeback that is received without a reason code will be assigned a default code of 53. Description. . ”. According to Nilson, 56% of global card transactions were done on Visa in 2015. The card scheme receives the chargeback and forwards it to the acquirer. Reason Code 37 not allowed when merchant supports UCAF: 100007: 400* INVALID_REQUEST: Reason code 37 is not allowed for AFD transactions with CAT Level 2. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. The newer system is designed to make it easier and. Date Option. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. Several reason codes fall under this heading, and it is important to differentiate between chargebacks with reason code 4870 (Chip Liability Shift) from those with reason code 4871 (Chip Liability Shift Lost/Stolen/Never. The shorthand description is "'No Show’ or CARDeposit Canceled. The separation of the Return Reason Cardholder Disputes. This chargeback will include a description that provides additional information: Digital Goods $25 or Less. About Visa chargeback reason codes. In that way, winning one dispute may help prevent the next chargeback to come after it. 6 General update and rebranding. Try Shopify free for 3 days, no credit card required. Each code corresponds to an issue or problem. Many subscription payment disputes are made under code 13. For example, Mastercard has a code which indicates a ‘consumer dispute. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. For perspective, the next highest. This code tells you why the customer or bank initiated the dispute. Overall returns (all codes): 15%. 1042. However, the return request is invalid, as the customer does not have a legitimate right to a refund for one reason or another. Reason codes are important to help merchants address recurring. Below is a list of Mastercard chargeback codes used in eCommerce. 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. 1. At Visa they used to receive reason code 98. These chargebacks occur to resolve chargeback-related disputes between network members. 75 for every $1. Dispute Best Practices Guide Overview This guide includes: An overview of authorization and transaction processing An overview of retrievals and chargebacks Reason code guidelines for all. Auto Write Off. The card scheme receives the chargeback and forwards it to the acquirer. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 Only chargebacks with the following reason codes are eligible for Chargeback Protection: Reason Code. Now, compliance cases go through Visa Resolve Online. F02. For example, a debit may have been processed instead of a credit, or a credit processed instead. API status is evidence_required and chargeback code is ADJM. ”. A new 4 byte reason code will be used moving forward. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. 1. If you believe you have received an ACH return in error, you can contact your bank. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. Reason code 4870 refers to the broad category designated “No Cardholder Authorization. Merchants who believe they have received an invalid chargeback under reason code 13. You must designate the write-off reason code for the system to use when you activate the automatic write-off feature. Each card network maintains reason codes to cover all the disputes that qualify for. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Use this guide as a quick resource for Visa chargeback reasons at a. 4846 — Incorrect Currency Code. Acquirer Use of Message Reason Code 7623. 0 : Unknown/Unspecified : 1 : Non-Receipt of Requested Item. Product/service not received. After the introduction of Visa Claims Resolution, Visa set the goal of resolving all disputes in less than 31 days. The case is now closed. Always swipe the card once in the direction of the arrow shown on the reader. Reason codes are meant to tell merchants why a cardholder requested a Mastercard chargeback. 3? Visa chargeback reason code 13. This can include. 4% decrease: Algeria: 3. What is Visa chargeback reason code 12. But cardholders and merchants have different time limits. Description of Change Where to Look • Increasing the CVM Limits in St. CARDeposit is a long-running American Express program. For example, a code might cite a high utilization rate of available credit as the. The implication is that the merchant is at fault. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. Clearly differentiate between card-present and card-absent transactions by noting mail, phone, and internet. 1 – EMV Liability Shift 10. In fact, the same thing could be said of other chargeback reason codes, too. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. Acquirer Use of Message Reason Code 7623. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. Attachment A: Copy of the customer's transaction on xx/xx/xxxx using a credit card ending in XXXX. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. com Europe. Merchants who believe they have received an invalid chargeback under reason code 13. Both EFM and ECM measure compliance at the MID level. 1. Now, compliance cases must be submitted through Visa Resolve Online (VROL). The mapping is defined by the scheme/institution. ”. . 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. This process is called a chargeback. Spot these types of chargebacks using the below reason codes. 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. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. 10. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. Get access to thousands of forms. (Amex) No cardmember authorization. For details on how to receive notifications of chargebacks, accept or dispute them, and submit evidence to. The following are some examples: Visa Reason Code 13. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. 4853 – Cardholder Dispute – Credit Not Processed. 1: Use the corresponding dates from the invoice. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. ; Resources. It gets worse. But don't worry – we're here to help! Here are some important terms to keep in mind: : A claim against a charge, initiated by a customer with their bank. 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. Built with a single, intuitive console, Sift’s end-to-end solution eliminates the need for disconnected tools, single-purpose software, and incomplete insights that drain operational resources. Take the time to note the following dispute reason codes for Visa. 2. What is Visa chargeback reason code 12. Specify the invoice date and net due date to assign to chargebacks. Only use EMV-compliant terminals. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Braintree Support Articles. 37 = forged and counterfeit warranty breach. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. It can range from 60 to 120 days from the billing date. 0 is to make the chargeback process more efficient, transparent, and fair. Follow the Rules. It was originally just one facet of legacy reason code 81. While there are many chargeback reason codes, all chargebacks fall into one of three categories:Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. There are two parts to this. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. 1001 - Cardholder does not recognize the transaction. The scammer claims to be from the bank, and is seeking to confirm a specific transaction, which the victim denies. 4 is part of the updated Visa reason codes that were phased out under the Visa Claims Resolution initiative. Below are some examples of more common reason codes. Accessed October 31, 2022. Get Form. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Compare account numbers. The good news is that most of these invalid claims are disputable by the merchant. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. Visa Merchant Official Documentation. 1 Merchandise/ Services Not Received. Dispute reason code triggered Dispute code category Card expiry date; Visa. 4 to this dispute, indicating the purchase was fraudulent in a card-not-present environment. Additional findings the company reported. 04/09/14 Discover: DC,. 54 - Expired Card. 634. 11, 16. The same is true of all chargeback reason codes. 10. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. The claim often, but not always, involves automated teller machines (ATMs). The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. Visa chargeback reason code 11. Summary of Changes, 13 December 2018Discover Chargeback Reason Codes Explained. Mastercard. These codes are currently defined within the ANSI X9. Description of Change Where to Look AN 1193—Revised Standards for the Chip LiabilityCode 13. Chargeback fees can start at US$25 and go up from there. 4 Other Fraud Card Absent. 196 Reason Codes Category 4: Processing Errors. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. “American Express Chargeback Reason Codes | Sift”. Card issuers and card networks deem certain chargeback codes to be nearly indisputable by merchants, and as a result, a merchant can be charged a fee of up to $500 by card networks for submitting a dispute of such chargebacks. You can learn more about each one by visiting the Mastercard Chargeback Guide. The Late Presentment chargeback rights and language were moved from chargeback reason code 4834 (Point of Interaction Errors) to reason code 4808 (Authorization-Related Chargebacks). Expedited Dispute Resolution forms will not be allowed. 4. Use clear and consistent billing descriptors. 1. The shorthand description is “No Authorization. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. For more information on these and other updates, check out our complete chargeback reason. Additionally, a chargeback reason code is provided that describes the specific case in more detail. 4835. The Solution. The tickets were held at the box office, and no signature, swipe or imprint. Submitted: The response has been sent and the issuer is. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. But, merchants should be aware that, eventually, everyone will be required to use the new designations. 4837. This specific code applies when a cardholder reports that the actual merchandise received was counterfeit, and can back up that claim with documentation from a reliable, professional third party. Set Up Custom Reason Codes; Update Order Status; Payment Currency Types;. 4835. This code applies when either the transaction was processed using an incorrect account number, or the transaction itself was not authorized. 2022 Visa Chargeback. If a customer makes a chargeback request on the basis that he or she has not authorised the transaction, the customer's bank will charge the transaction back to the merchant’s bank. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. The shorthand description is “Goods/Services Not as Described. They usually have up to 120 days after purchase to dispute a charge, though some card schemes allow up to 365 days. 02 =altered/fictitious item. For educational purposes, here is an overview of the general chargeback process with most major processors: Step 1: A purchase occurs – All chargebacks start with a customer making a purchase, either in-person, in-app or online. 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. Review your credit card processor’s policies to understand its chargeback dispute process. 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. Cardholder-Activated Terminal (CAT) 3 Device. You are notified of the chargeback and can choose to either accept the chargeback or dispute it. For first chargebacks,. Write customer-friendly policies. 4 Funding Process. ”. Reason code 83 represents a chargeback categorized as. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. You cannot effectively fight chargebacks until you identify which of these three things is actually responsible. 4859 Addendum, No-show, or ATM Dispute. Time Limit in Calendar Days. Reference these when rebutting cardholder disputes at your small business. Batch chargeback process. The initial release of this standard does not add, remove or change any Return Reason Codes. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. 1 to RC 13. Chargeback Reason Codes All received credit card disputes include a reason code. The most popular type of disputes of the chargeback category. What is chargeback reason code 37? No cardholder authorization (37) What is a reason code? Reason codes, also called score factors or adverse action codes, are numerical or word-based codes that describe the reasons why a particular credit score is not higher. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. M49 Vehicle Rental – Theft or Loss of Use. The main chargeback reasons look like this: Malicious fraud. A reason code is an alphanumeric code that explains the reason behind the dispute. Code 4837 chargebacks are most often caused by either a fraudster making a purchase with stolen payment credentials or a cardholder failing to recognize a legitimate charge. Some credit card companies also include a short phrase describing the code and chargeback. However, the 30 day waiting period can be waived if you’ve. 4855. A chargeback can happen when a customer initiates a transaction dispute. Check with the issuing banks to determine what time limits may apply to you. UA06 Fraud – Chip and PIN Transaction. UnionPay is very popular in China, Macau, Hong Kong, and Singapore. ; Help Center Find answers to common questions about Midigator’s technology,. 6). Type. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. 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. Oftentimes, the reason code assignment is based on limited knowledge and insight. FR4 Immediate Chargeback Program. 3. A smarter, simpler way to stop fraud. 1003 - Transaction Supporting Document (TSD) needed. As with claims, the transaction ID, invoice ID, buyer name and email, transaction amount and date, and reason for dispute are all listed. The bank can then reverse the transaction, deducting the funds from your account and returning them to the cardholder's account. 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. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. There are two common causes of code 10. 1. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. MasterCard Chargeback Reason Codes MasterCard uses four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. The issuing bank will then pass on the chargeback to the merchant. Chargeback Reason Codes Page 2 of 5. Your chargeback response must include at least one of the following items: Proof the transaction was authorized and the valid card was not an EMV chip card. Solutions. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. 4. a chargeback or a debit. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. All chargebacks start with a customer making a purchase in person, in an app, or online. 3), the acquirer has 18 days to respond to the dispute • For Visa Collaboration reason codes (RC 12. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. Status Details: We have reviewed the case. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. 2 Compliance CasesUse fallback options—like manually entering transaction data—as a last resort. 4 is an updated version of legacy reason code 77, which was phased out under the Visa Claims Resolution initiative. Only an issuer can initiate the chargeback process. 6. reason_description: string. At Visa they used to receive reason code 98. The separation of the Return ReasonMastercard will eliminate dispute Reason Code 63 “Cardholder Does Not Recognize”. puts the burden of proof back on the consumer and/or Issuer to “prove” or substantiate the reason for the chargeback. This chargeback reason code is also referred to as “Point-of-Interaction” Errors.