Chargeback codes

Debit To Account

ADJM

The chargeback has been issued, and your account has been debited.

Auto Representment

AUTO

The chargeback was received, but the bank automatically represented it for specific reasons, e.g., the transaction was already refunded before the chargeback ws received.

Issuer Reversal

CBRV

The chargeback was reversed/canceled by the issuing bank.

Evidence Under Review

RPDR

You have provided the required evidence and Checkout.com has forwarded this to card scheme.

Case Lost

RPDL

You have lost the dispute.

Case Won

RPDW

You have won the dispute.

Arbitration Review

ARBR

The case has been escalated to arbitration upon your request, supported by your rebuttal letter/other additional evidence.

Arbitration Won

ARBW

You have won the arbitration case.

Arbitration Lost

ARBL

You have lost the Arbitration case. Your account will be debited the arbitration fee.

10.1

EMV Liability Shift Counterfeit Fraud
A cardholder has disputed the transaction, claiming that either a fraudster or an unwitting participant authorized the transaction without the cardholder's knowledge. The cardholder may also claim that a counterfeit card authorized a transaction from his or her account.

A signed sales receipt with imprint or swipe.

10.2

EMV Liability Shift Non-Counterfeit Fraud
The cardholder believes that the fraudulent activity originated with the EMV terminal. He or she may claim you were negligent in spotting the fraudulent activity.

Provide correct documentation to prove your EMV terminal had no relation to the disputed transaction. Some examples include your MID and the payment gateways that you use to process transactions.

10.3

Fraud – Card Present Environment
The cardholder never authorized or participated in a Card Present environment transaction. Or a fraudulent transaction was completed in a Card Present environment using an account number for which no valid card was issued or is outstanding, and no authorization was obtained.

A signed sales receipt with a valid imprint or swipe. If merchant participates in the CVV2 in lieu of imprint program, the signed draft and CVV2 certification letter are required at draft retrieval in order to protect the merchant.

10.4

Fraudulent Transaction – Card Absent Environment
The cardholder did not authorize or participate in a transaction conducted in a Card Not Present environment. OR A fraudulent transaction was completed in a Card Not Present environment using an account number where no valid card was issued or is outstanding, and no authorization was obtained.

Invoice with ship to/bill to addresses matching, AVS results of X or Y, and signed proof of delivery. If T&E, proof that the sale was a properly processed “no show” transaction.

10.5

Visa Fraud Monitoring Program
Visa notified the issuer that the Visa Fraud Monitoring Program identified the transaction and the issuer has not successfully charged back the transaction using another reason code.

No reversal rights except for credit issued.

11.1

Card Recovery Bulletin
The transaction was below the merchant's floor limit, and an authorization was not obtained. On the date of the transaction, the account number appeared in the Card Recovery Bulletin for the Visa Region where the merchant is located (All excluding US Domestic).

Auth code along with date and amount of authorization, if other than the transaction date and amount.

11.2

Declined Authorization
Authorization was declined and merchant completed the transaction.
If the authorization response was “decline”, “pick-up” or “referral” and a key-entered
or
voice authorization code was obtained and a counterfeit card was used, the sale may be charged back.

Auth code along with date and amount of authorization, if other than the transaction date and amount.

11.3

No Authorization
Transaction exceeds the floor limit, and an authorization was not obtained on the transaction, or
Transaction is an online check card transaction or an original adjustment.

Auth code along with date and amount of authorization, if other than the transaction date and amount.

11.3

Service Code Violation
Authorization was not obtained for a Magnetic-Stripe read Transaction on a Visa Electron Card or on a Visa Card in a registered mandatory positive Authorization (X2X Service Code) account range, excluding U.S. Domestic Transactions.

Date and amount of authorization, if other than the transaction date and amount.

12.1

Late Presentment
The transaction was not processed within the required time-limit, and the account used was not in a positive status on the date the chargeback was processed.
or
The transaction date was more than 180 days before the processing date.

Limited reversal rights: Permitted only if credit was issued or if proof can be presented that the sale was processed within the allotted time.

12.2

Incorrect Transaction Code
The transaction processing code used has caused the cardholder to suffer a financial loss. For example, if a full credit processed does not fully offset the debit on a cardholder’s card account (due to fluctuation in exchange rate), the latter may use this chargeback reason code to recover the financial loss.

A signed sales receipt with imprint or swipe for all transactions involved in the dispute and a written rebuttal to explain why the cardholder is not due credit.

12.3

Incorrect Currency
This chargeback involves the use of an incorrect currency.

Provide evidence and authorization details that indicates consent was given to the merchant, and that the currency is correct.

12.4

Non Matching Account Number
Transaction did not receive Authorization and was processed using an Account Number that does not match any on the Issuer's master file or an Original Credit was processed using an Account Number that does not match any on the Issuer's master file.

Sales receipt and proof of authorization by issuer.

12.5

• Incorrect Transaction
  Amount or Account Number*
  Used under any of the following circumstances:
  • merchant processed an incorrect transaction amount
  • merchant processed an account number that did not match the one on the transaction receipt
  • cardholder’s transaction receipt contains an addition or transposition error
  • transaction receipt was altered without cardholder permission

A signed sales receipt with imprint or swipe to show that cardholder agreed to the amount or that card number was correct. Written rebuttal if amount was altered after cardholder signed the receipt.

12.6.1

Duplicate Processing
A single transaction was presented two or more times to the issuer for the same cardholder account number, similar transaction amounts and similar clearing data. If the same transaction was processed by different acquirers, the issuer is required to dispute the transaction that posted last.
For express payment service (EPS) or small ticket transactions, the amounts must be the same.

Two different, signed (if possible) receipts or invoices. If sales receipt does not contain detail of items purchase, include an itemized list. For EPS and Small Ticket transactions, signatures aren’t required, just detail of what was purchased.

12.6.2

Altered Amount / Paid by Other Means
A sale posted to the cardholder’s credit card account; however, the cardholder can prove that he paid by an alternative means. Alternative means can be cash, check, a sale to a different credit card, or a sale to a debit card.

A written rebuttal addressing the cardholder’s claim and any supporting documentation to prove the case such as proof that credit was issued or that each transaction is different (i.e., different merchandise).

12.7

Invalid Data
No Authorization or Invalid Data for Authorization

Provide evidence that an authorization was provided by the cardholder.

13.1

• Services Not Provided or
  Merchandise Not Received*
  Cardholder did not receive, due to merchant’s unwillingness or inability:
  • Services
  • Shipped merchandise or merchandise that was to be received at the point of sale and was not.
  • Merchandise delivered at the agreed-upon location or by the agreed-upon date
  • Airline or passenger rail tickets order via Mail/Phone or on-line

Documentation to prove that the cardholder received the services or merchandise, or proof that credit was issued.

13.2

Cancelled Recurring
Transaction

• The sale resulted from a recurring transaction or pre-authorized health care transaction and:
• the issuer receives a complaint from the cardholder that payment of a recurring transaction or pre-authorized health care transaction was canceled prior to or on the transaction date; or
• a previous transaction, resulting from the same written authorization was charged back and such authorization was not expressly renewed by the cardholder; or
• the issuer receives a complaint from the cardholder that (i) the recurring transaction amount was not within the range of amounts pre-authorized by the cardholder on the recurring transaction order form or
• (ii) the merchant was to notify the cardholder prior to processing each recurring transaction, and
• the cardholder did not receive written notification of the charge from the merchant postmarked at least 10 days prior to the transaction date, or
• the merchant sent written notification of the charge at least 10 days prior to the transaction date but the cardholder responded denying consent for the change to be posted to his/her account; or
• the cardholder's account was canceled and/or is closed and previous notice was provided to the acquirer or the merchant that the account number was not be honored.

A written rebuttal addressing the cardholder’s claim and any supporting documentation (i.e. contract that shows cancelation requirements).

13.3

• Not as Described or
  Defective Merchandise*
  Goods or services received were not as described on the transaction receipt or other documentation presented to the cardholder or,
  if a Mail/Phone Order or on-line purchase, as described by the merchant or,
  the merchandise was received damaged, defective or otherwise unsuitable for the purpose sold.
  Cardholder must attempt to return the merchandise or resolve the dispute before contacting his bank.

A detailed written rebuttal addressing the cardholder’s claim (point by point) and any supporting documentation to prove the case. Rebuttal must address what steps were taken to resolve the complaint before it became a chargeback.

13.4

Counterfeit Merchandise
The cardholder claims that the purchased merchandise was counterfeit.

Provide proof that the purchased merchandise is authentic, and that the cardholder knew of its quality during the transaction.

13.5

Misrepresentation
The cardholder claims the purchased good/service was misrepresented during the transaction.

Provide proof that all representation of purchased good/service was, and is, accurate during the transaction.

13.6

Credit Not Processed
The merchant issued a credit transaction receipt or refund acknowledgement but the transaction was not processed through interchange, or
The cardholder returned merchandise or canceled a sale but did not receive a credit receipt or refund acknowledgement.

A written rebuttal addressing the cardholder’s claim and any supporting documentation to prove the case, such as a signed contract, return policy, or proof of proper disclosure. If credit has been issued, a statement/proof that credit issued belongs to transaction in question.

13.7

Cancelled Merchandise/Services
The cardholder claims that the merchant had charged him or her for a merchandise/service that was canceled.

Provide proof that the disputed transaction was not canceled, and that the cardholder did not give any demand to cancel said transaction.

13.8

Original Credit Transaction Not Accepted

Provide evidence of either the transaction receipt or other records to prove that the merchant properly disclosed a limited return or cancelation policy at the time of the transaction.

13.9

Non-Receipt of Cash or Merchandise
Cardholder completed an ATM or TravelMoney transaction but received only partial funds or no funds.

ATM audit log.

4807

Warning Bulletin File
A transaction was not previously authorized with an approval response as specified in the MasterCard Authorization System Manual and the account number was listed in the MasterCard Electronic Warning Bulletin file on the date of the transaction for the region in which the transaction was acquired.

Date and amount of authorization, if other than the transaction date and amount.

4808

Authorization Related Chargeback:

1. Requested/Required Authorization Not Obtained
   e.g., The authorization was declined.
2. Warning Bulletin File
3. Account Number Not on File

1 & 2. Date and amount of authorization, if other than the transaction date and amount.

3, A signed sales receipt with imprint or swipe. If card-not-present transaction, date of authorization if different from transaction date.

4812

Account Number Not on File
A transaction was presented with an account number that does not match any account number on file.

A signed sales receipt with imprint or swipe. If card-not-present transaction, date of authorization if different from transaction date.

4831

Transaction Amount Differs
Cardholder states that he or she was billed an incorrect amount.

Signed sales receipt or documentation proving that an addition error has not occurred.

4834

Point-Of Interaction Error

1. Duplicate Processing
   The cardholder or the issuer.
2. Transaction Amount Differs
3. Late Presentment
4. Correct Transaction Currency Code Not Provided

1, Two different, signed receipts (signature not required) or invoices if sale draft does not. If receipt does not contain detail of items purchased, include an itemized list or invoices.

2, Signed sales receipt or documentation proving that an addition error has not occurred.

3, The sales receipt and/or date and amount of the authorization if other than the transaction date.

4, Documentation proving that the correct currency was used to settle the sale.

4837

No Cardholder Authorization
The cardholder states, in writing, that neither he, she, nor anyone authorized by him or her engaged in the transaction or,
A face-to-face transaction took place using a once valid, unexpired, revoked account number and the issuer can certify in writing that the unexpired physical card is not outstanding because it was recovered, destroyed, or both.

A signed and swiped/imprinted sales receipt. If card-not-present transaction, invoice with bill to/ship to addresses, AVS results signed proof of delivery (signed pod good to have but not required.)

4840

Fraudulent Processing of Transactions
The cardholder states in writing that neither he, she, nor anyone authorized by the cardholder was still in the possession and control of all valid cards at the time of the transaction, and the cardholder admits to at least one legitimate transaction at a given card acceptor location, but denies knowledge of one or more additional unauthorized transactions at that same card acceptor location.

Signed sales receipts or invoices on all transactions and a detailed rebuttal describing the difference in the sales, or any additional information as to why cardholder did make both transactions (ie rebate or gift needed two separate receipts)

4841

Cancelled Recurring Transaction
NOTE: It must be a payment without an end-date in order to qualify as a recurring transaction (i.e. an insurance premium, computer service, or a book-of-the-month club).
The card acceptor continued to bill a cardholder after receiving notification of cancelation from the cardholder or issuer or
the issuer listed the cardholder’s account information on the Recurring Payment Cancelation Service (RPCS) and notified the acquirer.

A written rebuttal addressing the cardholder's claim and any supporting documentation to prove the case (ie: contract).

4842

Late Presentment
The issuer may use message reason code 4842 if the account is permanently closed and the Central Site Business Date is:

• More than seven calendar days after the transaction date and the transaction was completed with electronically recorded card information (whether card-read or key-entered)
• More than 30 calendar days after the transaction date, and:
• The transaction was completed with manually recorded card information (whether imprinted or handwritten).
  The Central Site processing date is more than 30 calendar days after the transaction date and the account is statused by one of the following codes:
• C-Credit problem
• F-other fraud (lost/stolen/never received)
• X-counterfeit card
• O-Account closed
  NOTE: A payment transaction must be presented in clearing within one business day of the authorization date. 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.

The sales receipt and/or date and amount of the authorization if other than the transaction date.

4846

Correct Transaction Currency Code Not Provided
The acquirer did not transmit the correct transaction currency code for the currency in which the transaction was completed or,
The transaction occurred in a dual currency environment and a transaction currency is not specified on the TID.
No Specified Currency on TID. If no currency indicator is specified on the transaction receipt, the currency which is legal tender in the country where the transaction took place is the original transaction currency.

Documentation proving that the correct currency was used to settle the sale.

4849

Questionable Merchant Activity
An acquirer processed a transaction for a card acceptor that later was listed in a MasterCard Global Security Bulletin for violating section 9.14.1 in the MasterCard Bylaws and Rules or section 8.4 in the Security Rules and Procedures manual.
The issuer must have properly reported the transaction to SAFE with one of the following fraud codes:

• 00 = Lost Fraud
• 01 = Stolen Fraud
• 04 = Counterfeit Card Fraud
• 06 = Card Not Present Fraud
• 07 = Multiple Imprint Fraud

No reversal rights except for credit issued. The card acceptor in question was not listed in the MasterCardGlobal Security Bulletin. The transaction did not occur within the period specified

4850

Installment Billing Dispute
A cardholder account has been inaccurately posted with a debit instead of a credit as a result of an incorrect transaction code or keying error (i.e. credit posted as a retail sale).

A copy of the TID or other documentation showing that the cardholder agreed to the number of installments and amount processed, or proof that the acquirer corrected the discrepancy that led to the dispute.

4853

Cardholder Dispute

1. Defective/Not as Described
2. Cancelled Recurring Transaction
3. Non-receipt of Merchandise
4. Services Not Rendered
5. Credit Not Processed

1, A detailed written rebuttal addressing the cardholder's claim (point by point) and any supporting documentation to prove the case. Rebuttal must address what steps the merchant took to resolve the complaint before it became a chargeback.
2, A written rebuttal addressing the cardholder's claim and any supporting documentation to prove the case (ie: contract).
3, Documentation to prove that the cardholder received the merchandise (e.g, signed proof of delivery) or proof that credit was issued.
4, Documentation to prove that the cardholder received the services, or proof that credit was issued.
5, A written rebuttal addressing the cardholder's claim and any supporting documentation to prove the case. (e.g, goods/services has been used by cardholder)

4854

Cardholder Dispute-Not Elsewhere Classified (U.S. Region Only)
Cardholder has made an unsuccessful good-faith effort to resolve a dispute with the card acceptor that involves goods or services, and the dispute reflects a claim or defense authorized against issuers or creditors according to federal, state, or local truth-in-lending laws.

A detailed written rebuttal addressing the cardholder's claim (point by point) and any supporting documentation to prove the case. Rebuttal must address what steps the merchant took to resolve the complaint before it became a chargeback.

4855

Goods or Services Not Provided
The cardholder or his or her authorized representative did not receive goods that were to be shipped or delivered.

Documentation to prove that the cardholder received the merchandise or proof that credit was issued.

4859

Addendum, no-show, or ATM Dispute
Cardholder disputes a transaction for one of the following reasons:

• Cardholder received none or only part of an ATM cash disbursement (not applicable in cases of alleged fraud).
• Cardholder is disputing a “no-show” hotel charge from a card acceptor that participates in the MasterCard Guaranteed Reservations Service.
• Cardholder is disputing any subsequent transaction representing an addendum to any valid transaction from the same card acceptor.

Documentation to prove that the cardholder received the services, or proof that credit was issued.

4860

Credit Not Processed
Issuer received a letter of complaint from a cardholder stating that a card acceptor has not posted a credit to his or her account or that the card acceptor posted a credit and reduced the amount of the credit due without proper disclosure.

A written rebuttal addressing the cardholder's claim and any supporting documentation to prove the case.

4863

Cardholder Does Not Recognize-Potential Fraud
Cardholder claims that he or she does not recognize a face-to-face transaction appearing on their statement and the issuer made a good-faith effort to identify the transaction for the cardholder.
The issuer may use message reason code 4863 for all non–face-to-face (Card Not Present) transactions if:

• The cardholder claims that he or she does not recognize the transaction appearing on the cardholder statement.

A signed sales receipt with imprint or swipe. If card-not-present transaction, invoice, AVS results, CVV2 results, and signed proof of delivery. Documentation that would further identify the transaction.

4870, 4871

Counterfeit transaction/Chip liability shift/Chip/PIN liability shift

The cardholder did not participate in the transaction (a fraudster made a duplicate or counterfeit copy of the card). Applicable to card-present transactions only.

n/a

4999

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.

Documentation to support that the disputed transaction has been completed in accordance to applicable domestic rule.

6003

Chargeback documentation

6006

Cardmember claims fraud

6008

Cardmember requests copy bearing signature

6013

Documentation previously sent is illegible/ incomplete

6014

Unrecognised transaction

6016

Personal information

4507

Incorrect transaction amount or primary account number presented

4512

Multiple Processing

4513

Credit not presented

4515

Paid through other means

4516

No reply to disputes enquiry letter

4517

Insufficient or unclear reply to disputes enquiry letter

4521

Invalid authorisation

4523

Unassigned Cardmember Account Number

4526

Missing signature

4527

Missing imprint

4530

Currency Discrepancy

4534

Multiple ROCs

4536

Late Presentment

4540

Card not present

4544

Cancelation of recurring goods/services

4553

Not as Described

4554

Goods/Services ordered but not received

4750

Car Rental Charge Non-Qualified or Unsubstantiated

4752

Credit/debit presentment error

4754

Local regulatory/legal dispute

4755

No Valid Authorization

4758

Expired/not yet valid card

4763

Fraud full recourse

4798

Fraud Liability Shift – Counterfeit

4799

Fraud Liability Shift - Lost/Stolen

A01

Charge Amount Exceeds Authorization Amount

A02

No Valid Authorization

A08

Authorization Approval Expired

F10

Missing Imprint (requires Inquiry prior to Chargeback)

F22

Expired or Not Yet Valid Card

F24

No Card Member Authorization (requires Inquiry prior to Chargeback)

F29

Card Not Present

F30

EMV Counterfeit

C02

Credit (or partial credit) Not Processed

C04

Goods/Services Returned/Refused

C05

Goods/Services Cancelled

C08

Goods/Services Not received

C14

Paid by Other Means

C18

“No Show” or CARDeposit Cancelled

C28

Cancelled Recurring Billing

C31

Goods/Services Not as Described

C32

Goods/Services Damaged or Defective

M10

Vehicle Rental - Capital Damages

M49

Vehicle Rental - Theft or Loss of Use

P01

Unassigned Card Number

P03

Credit Processed as Charge

P04

Charge Processed as Credit

P05

Incorrect Charge Amount

P07

Late Submission

P08

Duplicate Charge

P22

Nonmatching Card Number

P23

Currency Discrepancy

R03

Insufficient Reply (requires Inquiry prior to Chargeback)

R13

No Reply (requires Inquiry prior to Chargeback)

M01

Chargeback Authorization (requires Inquiry prior to Chargeback)

FR2

Fraud Full Recourse Program

FR4

Immediate Chargeback Program

FR6

Partial Immediate Chargeback Program

A02

Acquirer Stand-In Processing Errors

A03

Required Authorization Not Obtained

A05

Card Not Valid or Expired

A06

Unissued Account Number

A07

Incorrect Charge type Provided in Authorization Request

B21

Requested Digitized Copy of the Charge Form Not Received

B22

Wrong Document Received for Retrieval Request

B23

Requested Digitized Copy of the Charge Form Not Legible

B24

Charge Older Than Thirty Days

B25

Duplicate Charge

B26

Alternate Settlement Currency Incorrect Exchange Rates

B27

Incorrect Currency

C41

Key Entered Fraudulent Charge

C42

Card Not Present Fraudulent Charge

C43

Skimming Counterfeit Fraudulent Charge

C44

Manual Counterfeit Fraudulent Charge

C46

Multiple Charges at Service Establishment Fraudulent Transaction

C47

Unsigned Fraudulent Transactions

C48

Card Not Present Fraudulent Transaction

C49

Cardmember Activated Transaction

C50

Suspect Service Establishment – No Response to the Suspected Fraudulent Service Establishment Report

C51

Suspect Service Establishment–Terminated Service Establishment

D61

Altered Charges

D62

Service Not Received

D63

Merchandise Not Received

D64

Additional Amounts on Settled Charges

D65

Credit Processed as a Charge

D66

Credit Not Processed

D67

Cardmember Paid by Other Means

D68

No Show Charges

D69

Cancelled Recurring Transaction

D70

Unsigned Charges

D71

Non Receipt of Cash (ATM)

4502

Illegible Sales Data

4534

Duplicate Processing

4541

Recurring Payments

4542

Late Presentation

4550

Credit/Debit Posted Incorrectly

4553

Cardholder Disputes Quality of Goods or Services

4554

Not Classified

4586

Altered Amount

4753

Invalid Cardholder Number

4755

Non-Receipt of Goods or Services

4757

Violation of Operating Regulations

4863

Authorization Noncompliance

7001

Fraud - Card Present Transaction

7030

Fraud - Card Not Present Transaction

8002

Credit Not Processed

501

No Authorization /Non - JCB Card

Documentation to show that the transaction was authorized online by the issuer with an authorization number

503

Expired JCB Card

Documentation to show that the transaction was authorized online by the issuer with an authorization number

521

Transaction Exceeds Floor Limit

Documentation to show that the transaction was authorized online by the issuer with an authorization number

522

Authorization Declined

Documentation to show that the transaction was authorized online by the issuer with an authorization number

523

Incorrect Cardnumber

Documentation to show that the transaction was authorized online by the issuer with an authorization number

541

Illegible Item

Documentation to show that a legible and correct transaction data was provided to cardmember.

547

JCB Card on Stop List

Documentation to show that the transaction was authorized online by the issuer with an authorization number

581

Split Sale

Documentation to show that the transaction was authorized online by the issuer with an authorization number

516

Non-Receipt of Requested Item

Documentation to show that a legible and correct documentation were sent with the fulfilment.

517

Requested Copy Illegible

Documentation to show that a legible and correct documentation were sent with the fulfilment.

580

Non-Receipt of T&E Document

Documentation to show that a legible and correct documentation were sent with the fulfilment.

537

No Show Dispute

Copy of cancelation and refund policy. Documentation to proof the correct processing of the No show charge, or evidence showing that the charge is not in connection to No show.

538

Advance Deposit

Copy of cancelation and refund policy. Documentation showing that cardholder did not cancel according to cancelation policy and that the cancelation/refund policy was properly disclosed to the cardholder at the beginning of purchase.

544

Canceled Recurring Transaction

Copy of cancelation and refund policy. Documentation showing that cardholder did not cancel according to cancelation policy and that the cancelation/refund policy was properly disclosed to the cardholder at the beginning purchase. Copy of usage log showing use of service after date of claimed cancelation.

546

Unauthorized Purchase

Documentation showing cardholders involvement and authorization of the transaction.

502

Cardmember Dispute

Documentation as applicable. Copy of cancelation and refund policy. Documentation showing that the cancelation/refund policy was properly disclosed to the cardholder at the beginning purchase. Evidence showing that the merchandise/service was received by the cardholder e.g. delivery receipt signed by cardholder. Evidence showing that the description of goods on order form/invoice was delivered, accepted and signed for by the cardholder. Copy of e-mail communications with cardholder.

513

Credit Not Received

Copy of cancelation and refund policy. Documentation showing that cardholder did not cancel according to cancelation policy and that the cancelation/refund policy was properly disclosed to the cardholder at the beginning purchase. Proof that credit was processed, if applicable.

526

No Signature

Copy of card present sale slip signed by the cardholder or verified with PIN.

527

No Imprint

Copy of card present sale slip signed by the cardholder or verified with PIN.

534

Unauthorized Multiple Transaction

Copy of two card present sale slips signed by the cardholder or verified with PIN.

554

Non-Receipt of Merchandise

Evidence showing that the merchandise/service was received by the cardholder e.g. delivery receipt signed by cardholder. Evidence showing that the description of goods on order form/invoice was delivered, accepted and signed for by the cardholder.

583

Paid by Other Means

Documentation proving that the merchant did not receive payment by other means.

507

Incorrect Transaction Amount

Documentation showing that the cardholder authorized the amount charged.

510

Mispost

Documentation showing that the cardholder authorized the amount charged.

512

Duplicate Processing

Copies of two different transaction documents showing different merchandise or service.

524

Addition Error

Documentation proofing the correct addition and that the cardholder authorized the amount charged.

525

Altered Amount

Documentation showing that the cardholder authorized the amount charged.

536

Late Submission

Proof that the transaction was processed within the presentment timeframe rules.

545

Incorrect ECI

Documentation showing the cardmembers authorization of the ECI transaction.

582

Domestic Transaction

Evidence showing the transaction to be International.