Claim Adjustment Reason Codes - All . Visa chargeback reason codes. Chargeback Reason Coded by Network - 2023 Guide. Technical. 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. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. The Fintech Times. 4850. 4846 — Incorrect Currency Code. Recommend Documents. After the introduction of Visa Claims Resolution, Visa set the goal of resolving all disputes in less than 31 days. Nothing immediately identifies a chargeback as being the result of first-party misuse. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. Acquirer Reference Data (ARD) Does Not Match or is Invalid. The cardholder initiates contact with their bank or credit union to file a dispute. Your actions in response to such a chargeback will be determined by the particular circumstances, the most typical of which are described in the table below: If: Then: The transaction was cancelled and credit issued. 543 Proper Use of Interregional Message Reason Code 4880. Chargebacks. 4512: Although Mastercard's chargeback time limits are fairly strict, there are some exceptions or conditions that can alter that timeframe. . This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. Your response to chargeback Reason Codes 76 and 4850 will depend on the particular transaction circumstances and the actions you have taken (or not) so far: The correct transaction code was posted. Replace 48XX with the valid chargeback message reason code. Additionally, one clearing transaction. 4841 Canceled Recurring or Digital Goods Transactions. Articles; Chargeback Reason Codes;. The cardholder may be the customer or the someone who lent their card to a friend or relative. Chargeback Reason Codes by Industry. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. 7, "Compelling Evidence" Added Compelling Evidence policy that details incremental optional requirements that Merchants may provide to support Chargeback reversal requests. 3: Goods or services were not received: C08: RG: 4855: 13. “Visa has 28 different reason codes. Author: Isaac Lambert. The process is often troublesome; most times, reason codes do not show the actual basis why customer is disputing a transaction. Visa chargeback codes are broken up into four categories: Fraudulent activity; Authorization issues; Processing errors; Customer disputes; Fraudulent activity 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. • 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. 16, 2021. To generate a chargeback, the issuer must submit the First Chargeback / 1442 message with the applicable message reason. “ Chargeback Fraud Threat Growing as 65% of Chargebacks911’s Respondents Reported an Increase in 2022 “. Chargeback Guide. The following table lists the Visa chargeback reason codes and their descriptions. Updated August 23, 2023. 4834 . It’s generally more efficient to take a proactive stance when it comes to chargeback management. Time limit - 120 days for ISSUER/CARDHOLDER and 30 days for ACQUIRER/MERCHANT. Description: Reason code for applying handling fee. Step 01 | Identify the Reason Code. However, for simplification, they are divided into eight categories: Fraudulent activity; Authorization issues;. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. NIÑA JEWELRY MANUFACTURING OF METAL ARTS, INC. Reason Codes A chargeback reason code is a distinctive two-to-four-character combination of letters and numbers issued by the involved bank to identify why a dispute was initiated. Related Papers. 4850: Installment Billing Dispute: 4853: Visa Chargeback Reason Codes. 4850: Installment Billing Dispute: 4853: Cardholder Dispute-Defective/Not as Described: 4854: Cardholder Dispute-Not. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. These may impact the dispute time limits. C08. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831 Transaction Amount Differs 4834 Duplicate. The chargeback reason code. Chargeback reason codes have changed. Regardless, merchants must respond to the given reason code. Overview. By entering your email, you agree to receive marketing emails from Shopify. Specify the invoice date and net due date to assign to chargebacks. 4860. F02. See full list on chargebackgurus. 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. Some consumer disputes are legitimate complaints about an order that doesn’t go as planned. Cardholder Does Not Recognize - Potential Fraud (this reason code will be retired as a part of the 20. She then decides to put a dispute through her bank under the Reason Code 4850: Credit Posted as a Purchase. 4. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. Though the credit card networks have a vast choice of codes, loopholes still happen. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. Now, compliance cases go through Visa Resolve Online (VROL). In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. 3643. Visa chargeback reason code 75 is filed as an honest mistake. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. Managing Reason Code 41 chargebacks. The implication is that the merchant is at fault. The standard chargeback process involves eight steps: Retrieval request: The card-issuing bank requests that the acquiring bank provide additional information for a given transaction. For best results, your chargeback win rate should be as close to 100% as possible. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. U. Chargebacks are a major threat to businesses big and small. So don’t spend another second worrying about chargebacks. 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. Ideally, the chargeback reason code will determine the type of evidence you share. Now we are very familiar with the word ‘Chargebacks’ from the expert at Chargeback Expertz. The merchant agrees and explains that the refund would appear in 3-5 days on her bank statement. These numeric codes are varied by card network, but serve the same purpose. A reason code is how banks categorize the reason for a chargeback. 6: Credit not. None, although there is a $0. Collect Compelling Evidence. Discover is a credit card network and an issuing bank—just like American Express. Description of Change Where to Look. The most comprehensive guide to chargeback reason codes. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. 3: Goods or services were not as described: C31: RM: 13. “It’s a lot tougher with Mastercard because they only use four main codes. These codes fit into four categories: (10) Fraud: For transactions where no EMV chip was used, stolen payment card credentials were used or transactions were flagged by the Visa Fraud Program. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. The chargeback initially results in the debit or credit card charge being reversed and the funds that you received for the payment being returned to the customer. Field name: reasonCode. Eligible Chargeback Reason Codes . If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Dispute (Reason Code 4850) Corrected section references in all of the Acquirer Adjustment sections. 3. 7. Return fraud happens when consumers bring an item (or items) back to you to request a refund in the form of store credit or cash. Invalid Reasons for a DisputeExplaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. Appendix Laser Chargeback Reason Codes 23 13. Common reason codes Mastercard. Codes are not often shared between issuers which means it can be difficult to remember the details of each. Mastercard Reason Codes. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. Transaction unauthorized make up 30% of all chargeback reason codes. Case Studies. 3. Fraudulent transaction (AMD). Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program”, are excluded from program monitoring. It’s important to note that chargebacks can occur for reasons such as disputed transactions, insufficient funds, and duplicate transactions. Click on “report a problem” and select the transaction in question. Which is meant to know the reason for the dispute. 2 for Visa and Reason Code 4850 for Mastercard). The claim often, but not always, involves automated teller machines (ATMs). Reason Code Description. ” This reason code has been retired by Mastercard, but it was used when the cardholder did not receive the goods or services they purchased. 1 Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. If you believe you have received an ACH return in error, you can contact your bank. Card Number: Alphanumeric:. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. Amazon Pay will send you a notification email when you get a chargeback, which will include details such as the order number and reason code. . 93. Shared Deposits Summary of Changes, 16 January 2018 ©1988–2018. 4 applies to eCommerce, whereas code 10. It is estimated that every dollar lost (transaction amount) to a chargeback costs the business an estimated. 6, "Chargeback Reasons" Added requirements for each Chargeback Reason code. The impact of chargebacks on a business’ bottom line is significant. If you leave this processing. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. What Are the Time Limits for Mastercard Chargeback. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 1, 5 January 2016. Encrypt transmission of cardholder data. This code collects all the. Chargeback reason codes; Chargeback Reason Codes. REQUEST A DEMO. Documentation must be a direct result of cardholder communication. WEX began issuing chip cards in Q4, 2020. Domestic chargeback dispute (Europe region only) This reason code may be used by issuer where a dispute is available according to the applicable domestic rule, but cannot be processed under a different message reason code. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. These codes are 4855, 4841, 4850, 4863, 4837, etc. But, merchants should be aware that, eventually, everyone will be required to use the new designations. MasterCard 4850 Credit Posted as a Purchase<br />. From a merchant’s perspective, the greatest asset offered by 3DS is protection against liability in the event of fraud. 4850: Installment Billing Dispute: Point-of-Interaction Error: 4999: Domestic Chargeback Dispute (Europe Region Only) Point-of-Interaction Error: 4853:Chargeback reason codes tell merchants the reason the customer is disputing a charge, according to the information they provided to their bank. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. 3: Card-Present Environment. A reason code will be provided. 13. EMV has been a mostly global standard since 2004. Choose the representment amount. Chargeback reason codes. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Code 4807: Fraudulent Card-Present Transaction. Additional data from Mastercard shows that global chargeback volume reached 615 million in 2021. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Availability Date: October 24th, 2021. A dispute often has a reason code associated with it. Arbitration Chargeback. 4850. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. Reason Code North-America: Canada and United States of America; Reason Code: All other countries;. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. Credit card chargebacks occur when a customer has a chargeback dispute and decides to question a charge on their credit card statement with their Credit Card Company or issuing bank. This can provide important information to fight the dispute. Download PDF . The reason code used to describe the dispute will determine the chargeback time limit. Proprietary. 4859 Addendum, No-show, or ATM Dispute. These codes explain the reason why the chargeback was filed, and the reason the chargeback was approved. While the updates have been published, they do not go into effect until Oct. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. Each bank card network has its owner list of reason codes banks must prefer from. During this process, the representative of the institution examines the reasons’ list. It is a chargeback that occurs when a cardholder disputes a transaction and alleges that the merchant failed to use EMV-compliant equipment to process the payment. FR4 Immediate Chargeback Program. None. 4855: Goods or services not provided. ↩ Back to Directory. 4850. Time Limit. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. The most comprehensive guide to chargeback reason codes. However, the 30 day waiting period can be waived if you’ve. View the entire list or search for any chargeback reason code. The price of Order Insight alerts varies, but is often $8-$10 per deflected chargeback. There are also specific return time frames, which can differ. Having a Lax Attitude Toward Industry Rules & Regulations. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. When a customer decides to dispute a charge made to their debit or credit card, it is referred to as a chargeback. district just)Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. Reason Code. Chargeback Reason Codes All received credit card disputes include a reason code. 4853 – Cardholder Dispute – Goods or Services Not Provided. 1042. Cardholder Dispute-Defective/Not as Described. (Reason Code 4850) > Arbitration Case Filing-For Chargebacks Initiated On or Before 16 April 2020 > Acquirer Reference Data (ARD) Does Not Match or is Invalid Update section, row 18 (Merchant Type) Appendix F Transaction Identification Requirements > Payment Transactions Summary of Changes, 16 July 2020 ©1988–2020 Mastercard. There are multiple situations in which this can occur. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. The Merchant Reviews the Partial Chargeback Claim. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. Updated Disputes/Chargeback Policy Coming April 2024Chargeback Real Time Alerts; Chargebacks Representment; Analytical Reports; Partnership; Reason Codes. PCI DSS v3. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. Chargebacks911® can help your business manage all aspects of chargeback reason codes, using proprietary technologies and experience. However, Visa is the largest card brand in both the United States and the world. processed the transaction correctly. Please note that the most common Chargeback reason code for Allocation disputes is 10. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. A false decline on a credit card or debit transaction occurs when a legitimate card purchase is rejected by mistake. 5 chargebacks can be caused by the merchant charging an incorrect amount, a failure to disclose potential changes in the final transaction amount, or by a cardholder. Example: 25. Use this guide as a quick resource for Visa chargeback reasons at a. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Entry equal underwent from Permit Asserts Resolution. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. Europe Region Operations Bulletin No. txt) or read online for free. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. 1 Quick Reference Lead. 4853 – Cardholder Dispute – Credit Not Processed. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. 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. (11) Authorisation: IPM Arbitration Chargeback Message Reason Code. Merchants who believe they have received an invalid chargeback under reason code 13. S. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. Cost. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. 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. Reason codes are important to help merchants address recurring. The time limit for issuers to instigate a first chargeback are calculated based off the Central Site Business Date (the processing date of the first presentment) and are usually 60, 90, or 120 days in duration. For this reason, you must document all debit and credit card transactions and adhere to the strict rules set by the card networks. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. A chargeback happens when a customer requests for a transaction to be reversed. 4. Products. 7: Defective goods and services: C32: RM: 13. According to a chargeback report, the projected costs of chargeback for 2023 are estimated at $117 billion, with around $79 billion as merchant losses. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. 6. Thus, the easiest way to prevent chargeback reason code 75 from being. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. Auto Write Off. ” That sounds pretty specific, and to tell the truth…it is. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Chargeback Guide - Free ebook download as PDF File (. 4808: This code can refer to: Account Number Not on File. The cardholder reported that the goods or services received were not as described. In short: yes. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. . The reason codes are grouped into several broad. 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. Spot these types of chargebacks using the below reason codes. It’s even more frustrating if you don’t understand what the chargeback code means. MasterCard chargeback reason code 4540. There are plenty of reasons as to why this would happen, hence the many. com. Merchants can find a. American Express is incentivized to keep their customers happy. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 5%. Generally, the issuer can apply for first chargeback for applicable transaction within decided time frame for the chosen Chargeback Services with Reason Code. The code can be used in multiple specific situations, many of which had their own individual codes at one. 1Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Data Integrity Monitoring Program. Overall returns (all codes): 15%. Dispute (Reason Code 4850) Corrected section references in all of the Acquirer Adjustment sections. [MasterCard Reason Codes 4853, 4855, 4859; Visa. Chargeback Guide. Update Supporting Documents bullet list Single Message System Chargebacks > Chargeback Reason Codes > Cash Dispute-ATM Only Acquirer Representment (Second Presentment) Incorporated the changes announced in “AN 1550—Announcing the Retirement of SAFE. . pdf - Read online for free. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. . The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Deleted the Arbitration Case Filing section in all of the Acquirer Adjustment sections since an arbitration case filing can only follow a representment. Learn about the different chargeback reason codes and what they mean. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. 4515 . Responses to retrieval requests that are over 4 pages will. 543 Proper Use for Acquirer’s Second Presentment. Installment Billing Dispute. Batch chargeback process. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. Also, just like American Express, Discover functions as both a card network and an. Until the process is settled, chargebacks remain visible in your account. MONTECILLO and LIZA M. 0: Changed report name from Downloadable Dispute Report to Case Report. Proprietary. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. Lack of proper chargeback reason codes. In the case of friendly fraud, that reason could be completely invalid and. This reason code is accompanied by a fraudulent reason code (UA). Fraudulent Activity. Reference these when rebutting cardholder disputes at your small business. There are dozens of reasons why cardholders and issuers dispute transactions. While the format of chargeback reason codes. . . So, if a customer files an Amex chargeback, the company has good reason to side with their customer over the merchant. pdf), Text File (. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. Using the same link provided above, contact PayPal to report the scam. None. The chargeback transfers funds from the acquirer to the issuer. Code 4807: Fraudulent Card-Present Transaction. It is up to the senior management of your organization to make sure that the point-of-sale staff is adequately trained on the correct use of transaction codes to ensure proper credit and debit processing. Proprietary. Ethoca alerts can prevent chargebacks before they hit your bank account. 82 . Those reasons are explained through the corresponding reason codes. Duplicate Processing - 81However, they’re more and more often used as a loophole to commit fraud. FR2 Fraud Full Recourse Program. ) A no-nonsense summary of evidence that proves transaction is legit. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Visa chargeback reason codes. Processing recurring payments increases your susceptibility to chargebacks. Chargeback Reason Codes Reason code are the first key to understanding the root causes . Discover uses unique codes to explain those reasons to merchants. This is a list of possible reasons that. Visa ® has launched the CE 3. How to Prevent Visa Chargeback Reason code 53 - Visa Chargeback Reason code 53 is based on. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. 3 is the less common version for card-present transactions. underlying your chargeback. Most reason codes apply to any merchant, regardless of what’s being sold. The specific guarantee terms and reimbursement procedures will. 1. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. Card networks send these codes to merchants to indicate why a chargeback has been filed. Reason codes are alphanumeric strings of text provided in a chargeback notification as a means of explaining the cause for the dispute. 23 Message Reason Code 4850—Installment Billing Dispute (Participating CountriesOnly). 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. Code Reason (for Visa) 10. Any of those things could easily result in a recurring billing chargeback ( Reason Code 13. 2 Added chapter providing information about the DiscoverThere is a USD 25 limit for the First Chargeback (Reason Code 22). many chargeback reason codes that exist today. This extra step can be frustrating for Card Members and lead to lost sales. Chargeback reason code. As the name implies,. But, it could be up to 540 days, in some situations. Oftentimes, the reason code assignment is based on limited knowledge and insight. 0 is to make the chargeback process more efficient, transparent, and fair. According to our research, friendly fraud will represent six out of every ten chargebacks filed in North America by 2023. However. Chargeback Reason. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 4850 Credit posted as a purchase; 4853 Cardholder disputes - Services / merchandise defective or not as described;The time limit for issuers to instigate a first chargeback are calculated based off the Central Site Business Date (the processing date of the first presentment) and are usually 60, 90, or 120 days in duration. In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Compensation Resolution. MasterCard does not have a reason code that exactly matches Visa’s 80. Discover chargeback reason code 7030. Thanks for following the Chargeback Gurus blog. Summary of Changes, 10 May 2016. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. [noun]/* chahrj • bak • rə • pôrt/. For perspective, the next highest. 4853. The first two digits indicate which category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes.