For example, the merchant bills the cardholder in installments. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. 4 Funding Process. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. This reason code is accompanied by a fraudulent reason code (UA). removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directlyDispute Reason: Fraud - 4837/4870/4871: Functional Category: FNS counter: Effective Date:. Time Limit. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Dual Message System Chargebacks—Fraud-related Chargebacks (Reason Codes 4837, 4840,It means the issuer has placed a stop or hold on a transaction. message. Chargebacks Explained;Understanding the various chargeback reason codes and the best ways to respond to them is the best way to stop fraudulent chargebacks in their tracks. 4855. Good preventive practices can reduce these. Mastercard chargeback reason code 4834 applies for a specific type of customer payment dispute. Deferred Chargeback Raise: 128: Chargeback on Fraudulent Transaction: Fraud Chargeback Raise:A chargeback is an adjustment to a merchant's account from a previous sales transaction. Discover: Reason Code 4755 Non-receipt of goods or services. Mastercard chargeback reason code 4831 falls under the “Point-of-Interaction Error” category. Verify the reason code and condition code are populated in the dropdowns. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directly• Remove conditions under chargeback reason 4837 (No Cardholder Authorization), which had allowed an acquirer to provide brand new. She therefore, disputes the amount under the Reason Code 4837: No Cardholder Authorization. pdf from BUS MISC at Yeshiva University. Dispute of the holder not classified in another CDG. A cardholder had control of their card and made a legitimate transaction and subsequent (disputed) transactions were made within 15 minutes. Verify the reason code and condition code are populated in. Friendly fraud occurs when a customer accidentally or deliberately files a chargeback on a legitimate transaction, instead of trying to first obtain a refund from the merchant. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37 What is Mastercard chargeback reason code 4837, no cardholder authorization, and how can you win it? Don’t waste time defending chargebacks, make your company more profitable by preventing them. g. While every card system has its own particular exceptional arrangement of chargeback reason codes, the categories are fundamentally very similar. 4837. 2 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Chargeback reason code. To take advantage of these new advice codes, merchants and their acquirers must learn to recognize the new data values and their meanings and use them as the. So the company has more incentive to side with customer during cardholder. Authorization. Chargeback reason codes Jérôme Alimondo Cohen /token 30 March 2023 13:46; National Visa, national and international MasterCard. 1: Missing signature: F14: UA02: 4840: 10. Using our e-commerce fraud prevention tools, we help lower friendly fraud costs and chargeback rates, but also reduce gift card and coupon abuse, and promote secure login authentication. Protected Chargeback Reason Codes: Visa USA: Credit & Debit Cards – Authentication & Attempts. To take advantage of these new advice codes, merchants and their acquirers must learn to recognize the new data values and their meanings and use them. . Reason Card Type Reason Code Description Merchant Action Code This chargeback occurs because of a dispute on an Airline sale involving allegedly fraudulent card transactions. 4837 - Without Cardholder Authorization. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. Posted on January 3, 2020 by Christine Speedy. 1 Chargebacks A chargeback is a rules-based mechanism, with time-sensitive workflows, that enables the issuer and the acquirer to determine the financial liability of a disputed transaction. ’Reason codes. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. 3. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. STAR Chargeback Reason Codes; Visa Chargeback Reason Codes; Network Limits; Published BIN Files; 🧭 Best Practices. It is mandatory to send this field if you async status update is chargeback. In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Compensation Resolution. • Remove conditions under chargeback reason 4837 (No Cardholder Authorization), which had allowed an acquirer to provide brand new. S. Understanding these codes can help merchants understand why chargebacks are being filed and how to prevent them in the future. As part of its processing structure, Mastercard categorizes chargebacks into four main categories:. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. A chargeback doesn’t have to be an all-or-nothing affair. Chargeback Reason Codes by Industry. While the updates have been published, they do not go into effect until Oct. 000%: 137,212,839 : PNUMastercard chargeback reason code 4837: No Cardholder Authorization claims cover merchant not approved of by cardholders or their authorized. 4837: No cardholder authorization. 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. 4837 – No Cardholder Authorization:. 1: Missing signature: F14: UA02: 4840: 10. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. According to Nilson, 56% of global card transactions were done on Visa in 2015. 4531 . 5 min ago L&T Slapped With Tax Penalty Of Rs 239 Crore; Check Details Here; 10 min ago Tata Technologies IPO: Strong GMP Ahead Of Rs 3,042 Crore Public Offer; 3 Reason Why To Subscribe. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Discover - UA02 Fraud – Card Not Present Transaction. 2. 4837: No Cardholder Authorization. Visa chargeback reason codes. A reason code or a chargeback reason code is a string of symbols (numbers and letters). Dispute reason code triggered Dispute code category Card expiry date; Visa. Each chargeback claim is given a reason code, which helps explain to merchants the reason for the dispute. 3. The cardholder may claim that the transaction was processed without proper authorization. The cardholder couldn't recognize the purchase description on the billing statement. ”. 4870 – Chip Liability Shift. Added new 3. Avoid this by not accepting. . ”. 01/2099. 13 Payday Loansfor Maestro Added additional use to chargeback message reason code 4841 in 6. 1 Among some of the most common Visa chargeback reason codes are Fraudulent Processing of Transactions (Reason Code 4837), Invalid Data (Reason Code 4775), Credit Not Processed (Reason Code 4834), and Goods/Services Not Provided (Reason Code 4863). Mastercard_Chargeback_Reason_Code_4837. Prior to to, Mastercard’s list of reason colored was long, convoluted, and confusing; currently there been fewer than ten different reason codes relevancy to majority merchants. 9, September 2015 Updates to 3. 4837. Chargeback /Dispute; Merchant Response. However, the 30 day waiting period can be waived if you’ve. , Visa uses a two-digit code;. Product/service not received. • Remove conditions under chargeback reason 4837 (No Cardholder Authorization), which had allowed an acquirer to provide brand new. 4840 - Fraudulent Processing of Transactions:Cause. Common Mastercard chargeback reason codes. For late presentments:“No Cardholder Authorization” (Visa Reason Code 72 or MasterCard Reason Code 4837) chargeback rights for this reason code are not available to issuers for transactions processed at ADMs where a PIN and full, unaltered card read data is transmitted because the PIN is a valid proxy for the cardholder’s signature. com. Experts at Chargebacks911 explained: “By working out a plan of action in advance, merchants can reduce the risk of chargebacks happening in the first place. Visa uses Reason Code 83, while MasterCard uses three separate Reason Codes: 4808, 4837 and 4847. You can also match the signature on the back of the card to. [noun]/* kə • stə • mər • di • spyo͞ot/. 4849 – Questionable Merchant Activity. Feel free to submit topic suggestions, questions or requests for advice to: win@chargebackgurus. M01 Chargeback Authorization. The use of this reason code indicates that the merchant did not obtain authorization approval for a transaction, or that the authorization request was sent after the transaction date. Global Security Bulletin No. 4837: No cardholder authorization. Reason Card Type Reason Code Description. Time Limit Framework for Chargeback Reason Codes. 8. The MasterCard SecureCode global liability shift prevents Issuers from initiating chargebacks based on reason code 4837 and 4863 when: enrolled. CHARGEBACK REASON CODES THE ENCYCLOPEDIA recover lost r e c o v eyour r yo u r l orevenue st revenue Table of. The list of chargeback reason codes in this article is organized by card brand and type of dispute. In the left navigation pane of your portal, click Reports to open the Report Browser. Any chargeback that is received without a reason code will be assigned a default code of 53. Reason Code. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. Acquirer Use of Message Reason Code 7623. A chargeback with reason code 4834 may refer to disputes in which the merchant failed to present the transaction within the required timeframe. Basically the Chargeback time frame include. 12. 2 – EMV Liability Shift Non-Counterfeit Fraud;. S. Discover is a credit card network and an issuing bank—just like American Express. This reason code means that the cardholder has disputed a charge. Uploaded By PratikZanke. Visa reason code; Invalid card number: F10: UA01: 4837: 10. • Remove conditions under chargeback reason 4837 (No Cardholder Authorization), which had allowed an acquirer to provide brand new. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Chargeback Related to Authorization: 4837: No Cardholder Authorization: 4841: Canceled Recurring or Digital Product Transaction. You are required to submit evidence to defend against the dispute. 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. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. 00 EUR as a Withdrawal fee. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. . MasterCard assigns a message reason code to each chargeback initiated by one of its card issuers. 4 Funding Process. Reason Code Reason Description; 4837: No Cardholder Authorization: The cardholder states that they, nor anyone authorised by them, engaged in the transaction. George buys a perfume through an online merchant. This may be done by either the merchant or the issuing bank. 4835. If you received a Chargeback Advice letter, it may give you case-specific requirements. Verify case lands on to the Review Inbound Chargeback screen. 4834 – Point-of-Interaction Error – ATM Dispute. 4842:. When this occurs, Moneris will send the merchant a "Sales Draft Request" or. This means that Chargeback Protection does not apply to payments you receive prior to enrolling in Chargeback Protection or payments you receive after your enrollment in Chargeback Protection ends. It covers topics such as chargeback rights, time frames, reason codes, arbitration and compliance. Generally, the issuer can apply for first chargeback for applicable transaction within decided time frame for the chosen Chargeback Services with Reason Code. Fraudulent. txt) or read online for free. Even though these codes are not detailed enough, they are crucial when it comes to successfully preventing and fighting chargebacks. 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. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. 4840 - Fraudulent. While the card network rules are clear that a chargeback cannot exceed the original transaction amount, there’s no rule that says that a chargeback can’t be filed for a lesser or partial amount. However, since that time, the cardholder’s account has been closed. Follow any formatting instructions and deadlines, and ensure you directly respond to the chargeback’s reason code. Description: Reason code for applying handling fee. Each card company has its own set of codes that indicate the specific reason that a cardholder initiated a dispute. Description. In the header of Dev Studio, in the Launch Portal list, select the portal in which you manage reports. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. Follow any formatting instructions and deadlines, and ensure you directly respond to the chargeback’s reason code. Batch chargeback process. After the issuing bank’s unsuccessful attempt to identify the transaction for the cardholder, the chargeback process begins. R13 No Reply. The shorthand description is “Authorization-Related Chargeback. Reason Code. 4837: No Cardholder Authorization 4840: Fraudulent Processing of Transactions 4849: Questionable Merchant ActivityMastercard chargeback reason code 4837: No Cardholder Authorization claims cover transactions not approved of by cardholders or their agents. Log in to Pega Smart Dispute for Issuer. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. All sale invoices. 4837: No Cardholder Authorization: 4849: Questionable Merchant Activity: 4870: EMV Chip Liability Shift: 4871: EMV Chip/PIN Liability Shift: Authorization: 4807: Warning Bulletin File: 4808:. Code. In some circumstances, Mastercard allow consumers to reverse a credit card transaction by filing a chargeback. The chargeback transfers funds from the acquirer to the issuer. She calls the merchant but he is unable to figure out the reason of the duplicate entries. Visa Chargeback Reason Codes. A successful 3-D Secure transaction is protected against the following CNP chargeback codes: Liability shif˜ conditions The Electronic Commerce Indicator (ECI) indicates the resul˜ of the authentication: Card Visa MC Code 10. This chargeback occurs when merchants do not adequately provide currency information. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 04/09/14 Discover: DC, U02. Transaction unauthorized make up 30% of all. Visa - 10. Please fill out the following fields to login: Email. 7: Defective goods and services: C32: RM: 13. First Chargeback failed: Reason Code 4870 not allowed for Chip to Chip Transactions under CLS: 100001: 400: INVALID_REQUEST: First Chargeback failed:. Application: Smart Dispute for Acquirers: Scheme Impact: MCOM:. 4842: Late presentment. 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 is valid. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directlyDownload Chargeback Guide. With the overhaul of their reason code system, Visa divided reason. 4 4837 4863. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. This category of fraudulent chargeback claims is represented with the following reason codes: AMEX - F29 Card Not Present. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. 4837. MasterCard’s Corporate Purchasing Department Account Program does. 4837 — No Cardholder Authorization. Mastercard Chargeback Reason Code 4837: No Cardholder Authorization Description A card-not-present transaction occurs when cardholder files a complaint that he/she. It is a valuable resource for anyone involved in the payments industry. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. 2 for Visa and Reason Code 4850 for Mastercard). If you have a reason to store, follow these requirements. Duplicate Processing. 7 Example 7—Message Reason Code 4837—No Cardholder Authorization. Now, compliance cases go through Visa Resolve Online (VROL). 1 = EMV-Liability Shift counterfeit. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. 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 is valid. 4837. If you interface with these endpoints, any Reason Code you come across will be listed below, and will provide context around API information like. 4840. One of two things could happen: The customer files a chargeback for only the amount of that one piece that was deemed unsatisfactory. 7: Defective goods and services: C32: RM: 13. 4853 – Cardholder Dispute – Goods or Services Not Provided. [noun]/* fren • dlē • frôd • /. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized face-to-face. Each code has a different timeline. 1, "Compelling Evidence for goods/services notTo apply for the Chargeback, the issuer must submit the First Chargeback or 1442 Message with the application Reason Code. 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. This type of chargeback reason could be named differently across the different card schemes (some examples: Visa 10. 4841 - Recurring transaction cancelled. The chargeback transfers funds from the acquirer to the issuer. 2=1020 etc. 36%) Visa. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directlyWhen the customer disputes a charge, the issuing bank then begins the chargeback process. 7: Defective goods and services: C32: RM: 13. 1 - EMV Liability Shift Counterfeit Fraud:. Request authorisation not obtained. • Remove conditions under chargeback reason 4837 (No Cardholder Authorization), which had allowed an acquirer to provide brand new. It. As a customer, depending upon your bank. Time Limit. API Reason Codes. 4847. 11, 16 November 2015, Elimination. 4837 – No Cardholder Authorization; 4840 – Fraudulent Processing of Transactions; 4849 –. 3. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. When a merchant fights a chargeback, they send their evidence to their acquirer, who verifies whether the evidence meets requirements before sending it on to the issuer for a decision. 4 (1040) (Visa) Card-not-present fraud: F24. Later in the week, George checks his account to find out an unknown transaction to an online accessory merchant. Visa Reason Code 10. See full list on chargebacks911. 2 falls under the “Processing Errors” category. 2: 10: Fraud:Mastercard Chargeback Reason Code 4837. 4 4863 4837 5967 7995 6051 4829 MC Other Fraud-Card Absent Environment No cardholder authorizationAutomated email notifications and alerts inform you when chargeback cases are above a particular dollar amount, reach certain points in the aging process or when additional information is required. 2 – EMV Liability Shift Non-Counterfeit Fraud;. Cardholder Disputes. Regarding April HotFix 83179, in the following scenario, should Smart Disputes allow a Fraud chargeback to be resubmitted using reason codes 4837/4870/4871? - 15 Fraud CB's are submitted - Merchant does not provide a credit through Collaboration for two(2) transactions and credits for the remaining 13 transactions - the two(2) transactions not credited are available to resubmit - the two(2. For disputed fraud or “no authorization” chargebacks, provide evidence that the cardholder was aware of and. Products. 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. The total volume in US dollars of Mastercard payments that result in fraudulent chargebacks (net fraud volume) calculated by dispute reason code (reason code 4837 and 4863). 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. This code is now obsolete, and issuers have been instructed to use code 4834 instead. 4837: No Cardholder Authorization: 120 days: 4840. Response Time Frame. 11, 16. 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. 7 Violation for Coercion Claim. The chargeback can be for the total transaction amount or a lesser amount. View Chargeback Reason Codes eBook. 11, 16. 4: Fraud—Card-Absent Environment. Watch on. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directly• Remove conditions under chargeback reason 4837 (No Cardholder Authorization), which had allowed an acquirer to provide brand new. Listed Cheaters Read Only Section, Lists All known Cheaters and Cheaters Details. 48. F24. Chargeback reason codes that most frequently result in friendly fraud are the card absent fraud reason codes like 10. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. 5, 16 May 2016. **We recommend only representing reason code 4837 if there is an Exact AVS Match. There are two parts to this. What tracking is a quick reference guide for all the current reason codes for anywhere a the four major credits card networks: Visa, Mastercard, Yank Express, also Discover. Mastercard Reason Codes Guide 2017. This reason code means that the cardholder has disputed a charge claiming didn't authorize it. 2:. 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. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or. Discover Chargeback Reason Codes Explained. MCOM – Representment fixes. 10. If your chargeback Win Rate is under 25%, it makes no sense to represent. 1 - EMV Liability Shift Counterfeit Fraud:. MasterCard - 4863 Cardholder Does Not Recognize - Potential Fraud. FR4 Immediate Chargeback Program. High Level Visa Chargeback Dispute Flow. 2:. 3 applies when a cardholder claims a charge—made in a card-present environment—was. 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. Valid Values/Format: 22 - First Chargeback Handling Fee. The chargeback reason code; Details that will allow your payment processor and the card issuer to identify the original transaction (ie. 60. 4807 – Warning Bulletin File. Fraud — Card Not Present The bulk of chargebacks come with reason code 83 or 4837. WHAT IS PCI COMPLIANCE? The PCI Data Security Standard represents a common set of industry tools and measurements to help ensure the safe handling of sensitive information. That's why we've created this guide, which goes over what reason codes. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. Since message reason code 4837 does not address issues related to nonreceipt of merchandise, the issuer’s first chargeback was invalid, it does not meet the prerequisites of message reason code 4837, which require the chargeback to include a cardholder letter stating that the transaction was not authorized. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directlyVisa chargeback codes. reason code information. ACH disputes pertain to various parties involved in an ACH transaction, which is an electronic funds transfer facilitated. 4837 – No Cardholder Authorization . The reason codes help merchants understand the reason for particular chargebacks and better tailor their responses to chargebacks. October 25, 2023. 4808. The former is Visa’s code indicating an. The fraud might have done accidently, while the consumer set out with intention to get something free. 4854. ”. FR2 Fraud Full Recourse Program. Missing signature. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. The assigned chargeback reason code outlines why a customer submitted the dispute. Updated: Valid values updated. Chargebacks filed using legacy reason code. Nacha Return Codes. For late presentments: 5. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. MasterCard time limits vary depending on the applicable reason code. 28. The shorthand description is “No Cardholder Authorization. Cardholder does not recognise. 4841: Canceled Recurring or Digital Goods Transaction. These chargebacks occur to resolve chargeback-related disputes between network members. A chargeback is the reversal of a previously cleared transaction; the cardholder’s account is credited with the amount of the sale and the merchant’s account is debited. There is a USD 25 limit for the First Chargeback (Reason Code 22). Pages 422 This preview shows page 305 - 309 out of 422 pages. 5 (1050) (Visa) Card-not-present fraud: 10. What is Mastercard chargeback reason code 4837, no. The EMV standard was created specifically to prevent the use of counterfeit. Mastercard chargeback reason code 4870 falls under the “Fraud” category. 4837: No Cardholder Authorize: 4849: Questionable Merchant Activity: 4870: EMV Chip Corporate Shift: 4871:. Each code corresponds to a specific issue or problem the customer has experienced with the purchase. Valid Values/Format: 22 - First Chargeback Handling Fee. Paymentology will submit the chargeback using the appropriate chargeback reason code . • Remove conditions under chargeback reason 4837 (No Cardholder Authorization), which had allowed an acquirer to provide brand new. Chargeback representment is the process through which merchants can submit evidence to prove that a chargeback is illegitimate. 3.