Chargeback reason code guides

One plain-English guide per reason code the DisputeDraft generator covers: what the code means, the evidence that matters, and how to respond on Stripe, PayPal, Shopify or Etsy.

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Visa

• Visa 10.4Other Fraud – Card-Absent Environment
• Visa 11.3No Authorization
• Visa 12.6.1Duplicate Processing
• Visa 13.1Merchandise/Services Not Received
• Visa 13.2Cancelled Recurring Transaction
• Visa 13.3Not as Described or Defective Merchandise/Services
• Visa 13.6Credit Not Processed
• Visa 13.7Cancelled Merchandise/Services

Mastercard

• Mastercard 4834Point-of-Interaction Error (Duplicate Charge)
• Mastercard 4837No Cardholder Authorization
• Mastercard 4841Cancelled Recurring Transaction
• Mastercard 4853Cardholder Dispute – Not as Described/Defective
• Mastercard 4855Goods or Services Not Provided
• Mastercard 4860Credit Not Processed
• Mastercard 4863Cardholder Does Not Recognize

American Express

• American Express C02Credit Not Processed
• American Express C08Goods/Services Not Received
• American Express C28Cancelled Recurring Billing
• American Express C31Goods/Services Not as Described
• American Express C32Goods/Services Damaged or Defective
• American Express F24No Card Member Authorization
• American Express F29Card Not Present (Fraud)
• American Express P08Duplicate Charge

Discover

• Discover AADoes Not Recognize
• Discover DPDuplicate Processing
• Discover RGNon-Receipt of Goods or Services
• Discover RMQuality Dispute / Not as Described
• Discover RN2Credit Not Received
• Discover UA02Fraud – Card Not Present

These guides are general information, not legal advice. Networks revise their reason codes, so always follow the code and deadline on your processor's dispute notice.