Although each card network has its own chargeback reason codes, their end goal is the same: Clearly describe why a customer is disputing a transaction. FR6 Partial Immediate Chargeback Program. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. Arbitration Chargeback/1442 Message - MasterCard. ’prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. View Mastercard_Chargeback_Guide_4. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. The incorrect amount being charged. 16, 2021. Visa Chargeback Reason Code 10. Chargeback arbitration is a process in which disputing parties seek a verdict from an independent third party to settle a transaction dispute. Use this resource to prevent and fight chargebacks with greater accuracy. The merchandise was as described or was not defective. Though the credit card networks have a vast choice of codes, loopholes still happen. Last updated: October 15, 2019 . Monitoring and testing networks. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Duplicate Processing - 81The 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. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring transaction. Every card brand has a unique set of chargeback reason codes banks must choose from. Investigate suspicious orders. S. Issuers can only submit a chargeback on. Reason code 83 represents a chargeback categorized as. Message Reason Codes, Message Reason Code 4870—Chip Liability Shift. 5. 541 Interregional Message Reason Code 4860-Credit Not Received. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Permit just has with Visa Argues Resolution. The shorthand description is “Chip Liability Shift. 4863 Cardholder does not recognise. 4 Ways to Fight Chargebacks: Gather compelling evidence. R13 No Reply. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. Chip liability shift. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. Mastercard Reason codes fall under four categories. These mandates often involve changes to the transaction process, the addition or removal of certain chargeback reason codes, or changes to the various phases and deadlines involved in the chargeback process. By entering your email, you agree to receive marketing emails from Shopify. When a fraudster places a transaction using stolen payment credentials, it may result in a true fraud chargeback under this reason code. . Don’t assume representment is off limits just because the chargeback has a certain reason code. 4896 . Chargeback-Verfahren. For more information on these and other updates, check out our complete chargeback reason. This chargeback occurs when merchants do not adequately provide currency information. . 1, 3Each chargeback received a numeric code which is known as the “reason code”. These numeric codes are varied by card network but serve. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. Visa chargeback reason codes. . PCI DSS v3. 1: EMV Liability Shift: 10. EN. 4870 Chip Liability Shift; 4871 Chip/PIN Liability Shift; 4999 Domestic Chargeback Dispute (Europe Region Only). If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRR Below is a list of Mastercard chargeback codes used in eCommerce. 04/20/13 Visa and MC Retrieval Codes — removed retired codes MC Reason Code 37Chargeback Guide (PDF) - MasterCard. ECM monitors first presentment chargebacks regardless of reason code or transaction type. 5 Visa Fraud Monitoring Program. Chargeback Reason Codes Visa. Common reason codes Mastercard. 10. 11/03/15 Updated these MasterCard. It specifies the cause of dispute between the issuer and the merchant. Mastercard chargeback reason code 4871 is one of the numeric labels assigned by banks to customer disputes, indicating the given reason for the claim. A chargeback reason code is a 2-to-4-digit alphanumeric code chosen by the issuing bank from a predetermined list to reveal the reason the cardholder gave for requesting a chargeback. To better be prepared for what the future might bring, we try to predict how hacking tools might evolve. For example, the merchant bills the cardholder in installments. Fraud 4837 No Cardholder Authorization 4840 Fraudulent Processing of Transactions 4849 Questionable Merchant Activity 4863 Cardholder Does Not Recognize—Potential Fraud. 4870: Chip Liability Shift:. 2. Region Only) 4855 Goods or Services Not Provided. Articles; Chargeback Reason Codes;. It can range from 60 to 120 days from the billing date. The terminal action codes are in Table 122 of the 4. The new reason codes follow a format of two digits, a period, then a third digit. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. Square. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. Chargebacks can be a costly part of accepting card payments and entail administrative. Learn more about Mastercard chargeback reason codes. Make sure customers know how to reach you and that they always get a quick response—leaving a message from an unhappy customer unanswered is always an invitation to a chargeback. . 4837. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. The issuing bank assigns each case a code according to the consumer’s claim, and the merchant must adhere to the time limits for that specific code. Let us now get information about the basic explanation about MasterCard Chargeback Reason Codes. The issuing bank assigns each case a code according to the consumer’s claim, and the merchant must adhere to the time limits for that specific code. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. This reason code covers chargebacks related to the EMV liability shift, which leaves merchants liable for fraudulent transactions in which the card had an EMV chip, but the merchant processed the transaction without using it. Reason Code 53 re-presentments must be processed within 45 calendar days from the. Each chargeback needs to be managed on a case-by-case basis. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. The issuer may invoke the chip and the chip/PIN liability shift only with the first chargeback under message reason code 4870 and 4871. Visa Chargeback Reason Code 10. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. Download PDF Report. For example, 10. Mastercard has plans to follow suit. Chargeback reason code 4870 has to do with whether or not the merchant in question has installed and is using terminals that can accept EMV or “chip” payment cards. Summary of Changes, 2 November 2017Chargeback Reason Codes, Chip Liability Shift Chargebacks—Mastercard Europe ATM Transactions (Mastercard, Maestro, and Cirrus), Message Reason Codes, Message Reason Code 4870—Chip Liability Shift Summary of Changes, 20 November 2017Each chargeback received a numeric code which is known as the “reason code”. . About American Express chargeback reason codes. Visa chargeback reason code 75 is implemented when there is a transaction listed in billing statement and customer don’t. The reason codes are grouped into several broad. . MDR also retired reason code 4840 – Fraudulent Processing of Transactions. This chargeback guide can be used as a sample guide when applying for credit card chargebacks. 2 Improper Use of Message Reason Code 4870 Added new bullet and updated Technical Fallback<br />. Chargebacks Maestro POS Transactions Message Reason Codes for Interregional. Fraud (10)& Authorization (11)Chargeback Reason Code 30 - Services Not Provided or Merchandise Not Received The chargeback time limit is calculated based on one of the following: 120 calendar days after the transaction processing date 120 calendar days after the last date the cardholder expected to receive the goods or services (not to exceed 540 days of the transaction. Acquirer Use of Message Reason Code 7623. Steps to Prevention. 16October2015 ChargebackGuide Chapter 3—Message Reason Codes. Reason Code Description External Category; 108: The remitter account is debited but the beneficiary account was not credited: Chargeback Raise: 109: The remitter bank customer still disputes that the beneficiary account is not credited: Pre-arbitration Raise: 121: TCC has been raised but the customer still complaining that Beneficiary a/c is. minimum chargeback amount of GBP 10 that is currently applicable in the United Kingdom for certain reason codes. 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. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. e above 0. 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. Application: Smart Dispute for Acquirers: Scheme Impact: MCOM:. 4871. The issuing bank collects evidence from the customer and categorizes the chargeback using the appropriate, card network-specific, reason code. Time Limit. 1/2/2020. Chargeback Guide (PDF) - MasterCard. Regardless, merchants must respond to the given reason code. . Time Limit Framework for Chargeback Reason Codes. By entering your email, you agree to receive marketing emails from Shopify. You’ll want to carefully review all chargeback reason codes so you are familiar with the very detailed regulations. Reason Codes Category 4: Processing Errors. Values are: Blank: Use the draft G/L date. Chargeback prevention alerts require you to monitor and respond to notifications within a short time frame, usually 24 to 72 hours. 1: goods not received. com on 5/26/2016. merchants have been seeing large increases in chargebacks with Visa's liability shift code, Reason Code 62 (4870 or 4871 for MasterCard). 3. For chargeback reason code 4837 (No Cardholder Authorizations) second presentments, new information such as a merchant name, location, or dates will no longer be allowed as a potential remedy to this chargeback when a merchant’s information is a complete mismatch between the authorization and clearing. In some cases it can be upwards of 540 days, though, depending on. On the other hand, PayPal—which can serve as a credit card processor for merchants—allows buyers up to 180 days to file a claim. Chargeback Reason Codes / Mastercard / 4870 – Chip Liability Shift Dispute Code 4870 Category Fraud Message System Dual Message System DESCRIPTION Why did I. If the chargeback stems from the use of non-EMV readers, for example, the merchant should implement compliant terminals. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. 0. View 225 Download 6. 4: 4863 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. Second presentment: The following cycle of chargeback resolution occurs when the acquirer refutes the issuer’s first chargeback. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Chargeback Reason Codes by Industry. The following table lists the Visa chargeback reason codes and their descriptions. 4870 . 1 - Card Recovery Bulletin: The transaction was below your credit floor limit and was not authorised. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Replaced Chapter 1, Processing Procedures— MasterCard Dual Message System. As things. Mastercard chargeback reason code 4840 falls under the “Fraud” category. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. These errors are sorted by some of these codes: 4802, 4803, 4841. Offer shipment and delivery tracking. We want to clarify: this doesn’t imply that a transaction ID can reliably prevent chargebacks and fraud. Match case Limit results 1 per page. Each bank card network has its owner list of reason codes banks must prefer from. Post on 21. 4812: Account Number. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. FR2 Fraud Full Recourse Program. It covers topics such as chargeback rights, time frames, reason codes, arbitration and compliance. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. The<br /> transaction amount may be charged back one time by the issuer, either as<br /> a full chargeback amount, a partial chargeback amount, or multiple partial<br. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. Verify the reason code and condition code are populated in the dropdowns. pdf from BIO 101 at Collège April-Fortier. . Codes are not often shared between issuers which means it can be difficult to remember the details of each. Click below to request a free demonstration, and we’ll create a customized report showing exactly how much ROI you can expect. 1: Use the corresponding dates from the invoice. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. MasterCard time limits vary depending on the applicable reason code. Description. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. EMV LAIBILITY SHIFT- Counterfeit . Chargeback Guide 28 April 2016 Updated: 10 May 2016 TB Chargeback Guide - MasterCard Guide. The list of chargeback reason codes in this article is organized by card brand and type of dispute. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. . It is mandatory to send this field if you async status update is chargeback. Each transaction or deal has a unique receipt no. The Sift Digital Trust & Safety Platform does what other fraud tools can’t, patented technology delivers. 4840 Fraudulent processing of transaction. Mastercard Chargeback Reason Code 70: Chip Liability Shift. 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. Here’s how your store can prevent and deal with chargebacks. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. Either the transaction was processed with a forged EMV chip card or the merchant processed a transaction. ”. There are over 80 unique return codes, each representing a different return type. Read the Chargeback Advice letter carefully. Reason Code. There are 12 PCI DSS compliance requirements, broken up into six control objectives: Maintaining a secure network. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. 96 . There is some precise chargeback reason codes, particularly for MasterCard holder :. 6 Reason Code 4855 UK—Goods or Services Not Provided, removed GBP 10 minimum value Summary of Changes ©2011–2015. 4870/4871 Chip/PIN liability shift/ Counterfeit transaction. 0. 318 Interregional Message Reason Code 4870—Chip Liability Shift. ” This code indicates a counterfeit card was used to make a purchase from a card-present merchant who didn't scan the card's EMV chip. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Author: others. pdfOverview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed section numbers, reorganized sections to focus on chargeback reasonsNachstehend haben wir für Sie die häufigsten Ursachen mit ihren sogenannten Reason Codes aufgelistet. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. There are multiple claims such as. 4:. Let’s. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. Chargeback amount is equal to or less than the exceeded limited /authorised amount. These chargebacks will show up under reason codes that will, on first glance, appear legitimate. At Visa they used to receive reason code 98. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. MasterCard time limits vary depending on the applicable reason code. Chargebacks—Maestro POS Transactions—added information to the section, Proper Use of Intra-European Message Reason Code 4808, about the Proper Use of Interregional Message Reason Code 4860. 4870/4871: Chip/PIN liability shift/ Counterfeit transaction: 1. Message reason code 4863 first chargebacks will be included in the FNS count once the FNS fraud chargeback count is. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. Match case Limit results 1 per page. EMV service code must be 2XX or 6XX – if a value of 1XX has been authorized then this chargeback code could not be applied as the issuer has authorized a magnetic stripe transaction. 1 = EMV-Liability Shift counterfeit. Fraudulent processing of transaction. Lack of proper chargeback reason codes. But, it could be up to 540 days, in some situations. - Merchant does not provide a credit through Collaboration for two (2) transactions and credits for the remaining 13 transactions. 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. Reason codes. While the updates have been published, they do not go into effect until Oct. Each chargeback claim is given a reason code, which helps explain to merchants the reason for the dispute. Each transaction or deal has a unique receipt no. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. Cyber-criminals have benefited from on-line banking (OB), regardless of the extensive research on financial cyber-security. 4870: EMV Liability Shift. Understanding reason codes and associated representment requirements is. Thus, the easiest way to prevent chargeback reason code 75 from being. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. And many U. Generally, the issuer can apply for first chargeback for applicable transaction within decided time frame for the chosen Chargeback Services with Reason Code. Friendly fraud Mistreatment, neglect of customer. See Reason Codes for more. Multiple Authorization Requests. Learn more about Mastercard chargeback reason codes. Solutions available. 4 Fraud – Card-Absent Environment. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case. FRAUD 101. Chargebacks. 15, 2021. Some Mastercard reason codes (4808, 4870, 4871, and 4834) allow issuers to skip pre-arbitration and proceed immediately to arbitration. Reason code 4870 – Chip Liability Shift; Reason code 4871 – Chip & PIN Liability Shift How can I actively prevent fraudulent chargebacks? Depending on your workflow or third-party integration use, it may curb chargeback risk to have your guest present payment upon pickup so that it can be processed by the more secure EMV chip. Additionally, one clearing transaction. pdfOverview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed section numbers, reorganized sections to focus on chargeback reasons; of 418 /418. Chargebacks—Maestro POS Transactions—added information to the section, Proper Use of Intra-European Message Reason Code 4808, about the4870: Chip Liability Shift: 4871: Chip/PIN Liability Shift - Lost/Stolen/Never Received Issue 4808: Authorization related Chargeback: 4834: Point of Interaction Error: 4853: Cardholder Dispute: 4850: Installment Billing Dispute: List of reason codes supported by Pega Smart Dispute for Issuers in Maestro are as following: Reason codes in Maestro. Merchants should: Only use EMV-enabled terminals. Chargeback reason codes. 4870: Chip Liability Shift: 4871: Chip & PIN Liability Shift: 4905: Invalid Acquirer Reference Data on Second Presentment: Mastercard retrieval request reason codes. Authorization. 4853 – Cardholder Dispute – Goods or Services Not Provided. Required Authorization Not Obtained. - Merchant does not provide a credit through Collaboration for two (2) transactions and credits for the remaining 13 transactions. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. those with reason code 4871 (Chip Liability. This list was generated 5/4/2022. Chargeback reason codes identify the general reason behind a chargeback. 9% and 100 chargebacks per month], you can get into the excessive chargeback program, which can cause penalties of up to $50 per chargeback. 1: Use the corresponding dates from the invoice. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. 4870 – Chip Liability Shift: 120 days. Account number not on file. Mastercard chargeback reason code 4870 falls under the “Fraud” category. dispute has been requested by the customer and establishes the required elements necessary if a merchant is disputing the consumer’s claim. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. . Like traditional chargeback reason codes, an ACH return code indicates why the RDFI initiated the transaction reversal request. • Require cardholder letter or email as supporting documentation in first chargebacks for chargeback reason code 4863 (Cardholder Does Not Recognize). Issuer Review; Allocation. This reason code covers chargebacks related to the EMV liability shift, which leaves merchants liable for fraudulent transactions in which the card had an EMV chip, but the. Instead, ask for a different form of payment. EFM MONTHLY CRITERIA NUMBER OF E-COMMERCE TRANSACTIONS FRAUD CHARGEBACK AMOUNT FRAUD CHARGEBACK RATIO BASIS POINTS (BPS) 3DS UTILIZATION (EMV 3DS + DATA. 0 to 5. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. What Are Chargeback Reason Codes? Chargeback reason codes are a set of numbers and letters indicating why a customer is requesting a refund for a purchase. . FAQ: What remains Chargeback Representment? TIPS. The 4837 reason code allowed acquirers to provide alternate information when the originally-submitted payment information was incorrect. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. F01. • FNS Counter Exceeds 25 Fraud-Related Chargebacks. Each reason code has certain standards of proof and evidence associated with it that determine whether the chargeback is valid or not. . 518 Transaction. 3. 30. Another downside is that chargebacks on annual subscriptions. Arbitration is the final. These codes fit into four categories:. This code collects all the. UA02 Fraud – Card Not Present Transaction. 4870 - Chip Liability Shift. 4. In other words, if you dispute the chargeback, the case may proceed directly to arbitration. Cycle #2. Please see the below “cheat sheet” for the new 4 byte reason codes. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. . Intra-European Message Reason Code 4870-Chip Liability Shift. Time and Labor. But, merchants should be aware that, eventually, everyone will be required to use the new designations. All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Reason Code. Authorization. 4840. 4: 4863 Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. 2021. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. 10. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. 4:. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration chargeback. Chargeback Guide28 April 2016. 4870: EMV Chip Liability Shift: 4871: EMV Chip/PIN. Which Mastercard chargeback reason codes were condensed down in 2016, like the processed that Visa just underwent with Passport Claims Dissolution. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. Insist that every chip card should be inserted or tapped instead of swiped. Discover: Reason Code 4755 Non-receipt of goods or services. In order to fight a chargeback effectively, however, you'll need to know the reason code. Chargeback Reason Code. F02. txt) or read book online for free. Try Shopify free for 3 days, no credit card required. Authorisation. . Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. The Square Editorial Team is dedicated to telling. FR4 Immediate Chargeback Program. Proper Use for Intra-European Message Reason Code 4870. 4802: Requested/Required Information Illegible or Missing. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. ” Currently, merchants can already prevent many 10. ) A no-nonsense summary of evidence that proves transaction is legit. MasterCard ChargeBack Guide 20141030. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. Sift’s MasterCard chargeback reason code guide features every single MasterCard reason code, its description, expert insights, and real world examples. A reason code is how banks categorize the reason for a chargeback. As chargeback time limits get shorter and shorter, automated technology will become more and more valuable. Visa Chargeback Reason Codes. 4: 4863 Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. 2. Write a chargeback rebuttal letter (with sample template) 8 Ways to Prevent Chargebacks. Message reason code 4863 first chargebacks will be included in the FNS count once theFNS fraud chargeback count is two or greater. UA06 Fraud – Chip and PIN Transaction. Updated: 10 May 2016. Proof you have already refunded the transaction and credited the cardholder’s account. Once you know why a chargeback happened, you can start building a case to address the claims that were. Some credit card companies also include a short phrase describing the code and chargeback. May 2011: 5. EN. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it.