Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 3. EMV Liability Shift Counterfeit Fraud. Global chargeback volume topped 615 million cases in 2021, and was estimated to cost merchants nearly $117 billion in revenue. The usual period that card networks will accept chargeback disputes is up to 120 days from the date of the settlement for the charge. A chargeback can happen when a customer initiates a transaction dispute. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. Additionally, Amex uses a fifth "Miscellaneous" category. If more information is needed, you’ll either receive an Inquiry or a Chargeback. Download this sample Chargeback Rebuttal Letter. Shopify has four status categories for chargebacks and inquiries: Open: No response has been sent yet and evidence can still be added. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. 1UA01 Fraud – Card Present Transaction. Look below the surface. 10. 4 – Other Fraud, Card-Absent Environment; Mastercard 4837 – No Cardholder Authorization American Express F24 – No Cardmember Authorization; Discover UA02 – Fraud: Card Not Present TransactionAmerican Express Chargebacks / Disputes. Reason Code F24: No Cardmember Authorization. American Express reason code 155, Visa reason code 30, MasterCard reason code 4855, and Discover reason code 4755 are all specific reason codes for Shopify payment chargebacks. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. Each credit card network has its own list of reason codes banks must choose from. American Express Chargebacks / Disputes. Our research suggests that friendly fraud will represent 61% of all chargebacks by 2023. Having a Lax Attitude Toward Industry Rules & Regulations. A new 4 byte reason code will be used moving forward. The most significant category of reason codes is fraud. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim. Merchants can analyze the root causes of their chargebacks by examining the reason code of the chargeback and their own records regarding the purchase in question. Click the Update Chargeback link to edit the chargeback details. 6). Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. The first two digits indicate what category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. Retrieval: A request initiated by a customer for more information about a charge. Feel free to submit topic suggestions, questions or requests for advice to:. F24: Fraud - No Cardholder Knowledge: 120: Fraud: Amex: F29: Fraudulent Transaction - Card Not Present: 120: Fraud:Updated August 23, 2023. One of two things will happen next. Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive . 3: Goods or services were not as described: C31: RM: 13. The most comprehensive guide to chargeback reason codes. 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. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. 1? Visa chargeback reason code 12. American Express Chargeback Reason Codes have four main categories, those are Fraud, Authorization, Processing Error, Card Member Disputes and Miscellaneous. Once filed, the merchant generally has 20. 1 chargeback: 1. Submitted: The response has been sent and the issuer is. Check the chargeback reason code. Chargeback Reason Codes Visa. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. A good chargeback return policy will, at a minimum, include. Solutions. Visa ® has launched the CE 3. A dispute often has a reason code associated with it. It’s even more frustrating if you don’t understand what the chargeback code means. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). Issued the credit but did not deposit it with its processing bank in time for it to appear on the cardholder’s next statement. This extra step can be frustrating for Card Members and lead to lost sales. Then, prepare compelling evidence which may include process for consumer identification, emails or phone calls about the order, POD - tracking numbers that confirm delivery, etc. 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. Written by Chargeback Gurus. Card Member cancelled, refused or returned goods and/or. Other Fraud—Card Present Environment. R03 Insufficient Reply. 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 codes are what tell a merchant why a customer is disputing a charge. The cardholder claims they were charged multiple times for a single transaction. FAQ: What is Chargeback Representment?. The chargeback reverses a money transfer from the consumer's bank account, line of credit, or credit card. Discover: Reason Code 4755 Non-receipt of goods or services. 101. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. Following the prompts. 4 Other Fraud Card Absent. Those reasons are explained through the corresponding reason codes. Expired Chargeback Protection Period. Codes are not often shared between issuers which means it can be difficult to remember the details of each. American Express Chargebacks / Disputes. 04/09/14 Discover: DC, U02. Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. A reason code is an alphanumeric code selected from a predetermined list by the issuing bank to indicate the reason the cardholder gave for requesting a chargeback. Reason . Additionally, Amex uses a fifth "Miscellaneous" category. Here’s how. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. Check with the issuing banks to determine what time limits may apply to you. Offer shipment and delivery tracking. 3. Fight;. . many chargeback reason codes that exist today. See the list of reason codes below: Card Network. A chargeback guarantee is a service provided by third-party vendors that protects merchants against the financial impact of chargebacks. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. Check the reason code on the chargeback. Code 4807: Fraudulent Card-Present Transaction. Each chargeback reason has its own, individual prevention techniques. Specify the default reason code to. Values are: Blank: Use the draft G/L date. Terms and conditions. • 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. ’If your chargeback ratio is high [i. CARDeposit is a long-running American Express program. The most significant category of reason codes is. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. These codes are notoriously inaccurate; in fact, first-party fraud is predicated on reason codes being inaccurate. Step 1: The cardholder disputes a charge. A Product Not Delivered chargeback means the customer believes they did not receive the goods or services they purchased. The actual underlying cause of this chargeback is. This can provide important information to fight the dispute. Fight; Prevent; Recover; Technical. Fraud. 7: Defective goods and services: C32: RM: 13. Written over Chargeback Gurus. 4512: Duplicate Processing:About American Express chargeback reason codes. Below is a list of Mastercard chargeback codes used in eCommerce. Reference these when rebutting cardholder disputes at your small business. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. 08. This ranges anywhere from roughly 60 to 90 days after purchase. Here are the two possible scenarios: 1. Common reason codes Mastercard. Step 1: Identify the Source. Step #2 | Report the Scam to PayPal. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. Chargeback Base Codes by Network - 2023 Guide. Fine Period - month 2 or 3. A reason code is an alphanumeric code that explains the reason behind the dispute. This chargeback reason code was retired by Visa in April 2018. She therefore, disputes the amount under the Reason Code F29: Card Not Present. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. FR6 Partial Immediate Chargeback Program. The merchandise was as described or was not defective. Solution. Chargeback reason code. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. In this instance, the cardholder claims a misrepresentation of the order they received, such as a defect, damage, counterfeit, or incomplete merchandise. Only chargebacks with the following reason codes are eligible for Chargeback Protection: Reason Code. Fraud (10)& Authorization (11)Aforementioned definitive guide includes and chargeback reason codes from each of the four major bill networks. Most reason codes apply to any merchant, regardless of what’s being sold. Vantage House“Visa has 28 different reason codes. F01. Other Ineligible Transactions Under Reason Code 62, Condition 2 . Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. Get definitive guide includes the chargeback reason codes from all of the to majority card networks. A “No Authorization” code chargeback can also be the. Then it chooses the most applicable code for a. 1 = EMV-Liability Shift counterfeit. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. P22 – Non-Matching Card Number. Under Set Order Status, select None, Refund, or Chargeback. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. P03 – Credit Processed as Charge. Fight; Hinder; Recover; Resources. If the chargeback stems from the use of non-EMV readers, for example, the merchant should implement compliant terminals. Knowledge of such codes can help businesses file a chargeback dispute successfully. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. ”. For example, 10. To do so, you should open your Wallet app and tape “Apple Card. Additionally, Amex uses a fifth "Miscellaneous" category. According to data published by ThreatMetrix, nearly 20% of all attempted transactions in the travel industry are identified as fraud attacks: Every travel vertical stands to lose revenue due to online. Here are some chargeback reason codes by card type. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. This chargeback reason code can be avoided by ensuring that returns are processed promptly and accurately, and that the customer is informed of any credits issued. In that way, winning one dispute may help prevent the next chargeback to come after it. American Express chargeback reason codes are divided into five categories: authorization, cardmember disputes, fraud, processing errors, and miscellaneous. A reason code is how banks categorize the reason for a chargeback. You’ll put that reason code, the transaction amount and authorization number, and state that the. Paymentology will submit the chargeback using the appropriate chargeback reason code. FAQ: What is Chargeback. The most common fraud-related reason codes are: Visa 10. Code. This chargeback occurs when merchants do not adequately provide currency information. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. Chargeback Code Authorization Errors; A01: Charge Amount Exceeds Authorization Amount: A02: No Valid Authorization: A08: Authorization Approval Expired:. Chargeback codes Chargeback codes Last updated: August 16, 2023 Below you'll find a list of chargeback codes along with an explanation of what each one. Chargeback reason codes have changed. However, Visa is the largest card brand in both the United States and the world. Blog and Featured; Success Stories; Chargeback Reasoning Codes; BIN Look-up; eGuides and Reports;. The third digit indicates the specific reason within this category. Chargebacks can pile up your expenses and. Goods/Services Not Received or Only Partially Received. Updated Disputes/Chargeback Policy Coming April 2024The issuing bank collects evidence from the customer and categorizes the chargeback using the appropriate, card network-specific, reason code. Fine Period - month 1 1 Acquirer receives Excessive Fraud Activity Notification 2. 3 falls under the “Authorization” category. There are several useful benefits of chargeback prevention alerts: Reduce chargeback rates by about 20-30% to help prevent chargeback threshold breaches. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. If a no-authorization claim is based on merchant activity, there are steps the merchant should take to avoid a recurrence. They only bill customers during a dispute if there is compelling evidence to show the cardholder’s account is in the wrong. The process for filing a chargeback the grounds for doing so, and the chargeback reason codes used, can change frequently. According to the 2022 Chargeback Field Report, global costs associated with chargebacks will have skyrocketed in recent years. While there are many chargeback reason codes, all chargebacks fall into one of three categories:What are chargeback reason codes? Mike Conway 2021-03-04T20:56:54+00:00. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. Typical chargeback reason codes are: DA: Disputed amounts DD: Unearned (disallowed) discount amount Note. Each bank card network has its owner list of reason codes banks must prefer from. Protect cardholder data. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. Reason Code 53 re-presentments must be. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. Info Us; In and. Reason Code. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. ©Shopify Payments Chargeback Reason Code #5: Product Not Delivered. 4 applies to eCommerce, whereas code 10. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. In fact, for every dollar lost to chargebacks in 2019, the average merchant lost an additional $2. The third digit indicates the specific reason within that category. Carefully analyze the reason provided by the cardholder for the chargeback. Spot these types of chargebacks using. Company. At Visa they used to receive reason code 98. What is Visa chargeback reason code 13. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. Code Reason (for Visa) 10. For example, your trading name on the receipt differs to that on their statement. It is associated with a chargeback reason code, and it is specific per Card Scheme. F30 – EMV Counterfeit. 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Here finalizing user includes the chargeback reason codes from either of the foursome major card networks. 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. Otherwise, the acquiring bank sends a chargeback notification. If you don’t reply in time or with . The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. txt) or read online for free. The specific guarantee terms and reimbursement procedures will. Discover Chargeback Reason Codes Explained. Summary of Changes, 13 December 2018Code 10. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Once filed, the merchant generally has 20 days to respond to the chargeback. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. Card issuers and card networks deem certain chargeback codes to be nearly indisputable by merchants, and as a result, a merchant can be charged a fee of up to $500 by card networks for submitting a dispute of such chargebacks. Assemble Your Evidence. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. 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. Chargeback reason code. F24 - No Cardholder (Card Member) Authorization (All other countries 4534) Reason. Valid Values/Format: 22 - First Chargeback Handling Fee. But cardholders and merchants have different time limits. If the order was genuinely not as described, then the cardholder has a case. Every time a merchant processes a transaction, they are supposed to send an. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. As expected, chargeback reason codes exemplified consumer sentiment. Be sure to communicate with the customer and their bank professionally and courteously. New Visa CE 3. A chargeback is the potential outcome of a disputed credit or debit card transaction. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. Click on “report a problem” and select the transaction in question. The assigned chargeback reason code outlines why a customer submitted the dispute. P22 – Non-Matching Card Number. 103. Reason. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. Collect Compelling Evidence. You submitted the. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. Provide Explanation Give a clear overview of the documents you’re submitting, address the specific dispute reason, provide any changes made to the original purchase/agreement and explain the steps you’ve taken to resolve the dispute. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Also, remember that the time frame for your response includes any processing required by the acquirer. [1] Sift. Chargeback Reason Coded by Network - 2023 Guide. As we touched on earlier, chargebacks can happen due to technical errors. A Charge is Disputed * We’ll work directly with the Card Member and try to resolve the case before reaching out to you. F24: No Cardmember Authorization: F29: Card Not Present: F30: EMV Counterfeit: M01: Chargeback Authorization: P01:. Technical. The merchant did not receive any returned merchandise. Each card issuer follows their own standards for defining reason type, code and its format. Thanks for following the Chargeback Gurus blog. This reason code indicates that the merchant. UA06 Fraud – Chip and PIN Transaction. Tips for an effective chargeback return policy. Read the Chargeback Advice letter carefully. Chargeback reason code 75 is issued when a card issuer receives a complaint from a cardholder stating that the name of the merchant that. Cardholders can dispute digital goods transactions of $25 or less (or the equivalent in local currency) if certain purchase controls were not put. Any of those things could easily result in a recurring billing chargeback ( Reason Code 13. American Express Chargebacks / Disputes. GraphQL Docs & Tools. For details on how to receive notifications of chargebacks, accept or dispute them, and submit evidence to. Select a tab to see the possible. If the conflict can be settled, the acquiring and issuing banks do so. But friendly fraud is much more ambiguous. Visa recently shortened chargeback time limits from 45 days to 30. ”. There are also third-party tools available to conduct advanced analysis. M49 Vehicle Rental – Theft or Loss of Use. Different card networks have different reason code systems. With the right compelling evidence,. Solution. The shorthand description is “Goods/Services Not as Described. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. pdf), Text File (. Visa chargeback reason code 72 falls under the “Authorization” category. A chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. Each card network maintains reason codes to cover all the disputes that qualify for. Added the following fields - Store ID, Credit Card Chargeback Reason Code. American Express Chargebacks / Disputes. For perspective, the next highest. The following chargeback reason codes are related to EMV: Visa: 10. 15, 2021. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. If you don’t reply in time or with . Amex Dispute Codes Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. 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. “Credit Not Processed,” the reason code for unreceived refunds, accounted for 12% of consumer disputes at the height of the pandemic. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. The reason code. To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. This reason code indicates that the merchant processed a transaction without first obtaining a correct and valid authorization approval. As chargeback time limits get shorter and shorter, automated technology will become more and more valuable. 3. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. P07 – Late Submission. FR2 Fraud Full Recourse Program. American Express chargeback reason code C42. Visa chargeback reason code 11. com Europe. Articles; Chargeback Reason Codes;. The transaction amount and authorization number (ARN. Either the acquiring or issuing bank could initiate the. 634. American Express Chargebacks / Disputes. F24. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 RequestedRequired information illegible or missing. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. A few other common reason codes for Visa include late presentment; non-receipt of cash from ATM; invalid data; EMV liability shift non-counterfeit fraud; no authorization; canceled merchandise and fraud related to stolen cards on the card recovery bulletin. 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. 75 for every $1. Other Fraud—Card Present Environment. The aim of CE 3. Reason Code 81: Fraud. 2. Once you receive this notification, you have 11 days to submit a response. reason codes. To avoid this, issuers can identify their chip cards using the Service Code field with a first byte value of 2 or 6. If the cardholder is using the chargeback process incorrectly — a practice commonly referred to as “friendly” fraud — the information provided to the bank. When you do the math, you are looking at a $5,000 penalty per month, along with a chargeback fee of $15-$30 per chargeback, and all the other associated costs. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. Other reason codes address entirely understandable reasons for cutting a merchant off from their credit card processor, like participating in money-laundering schemes, colluding with other merchants to fix prices or. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. A reason code is a numeric code that describes the cause behind a chargeback dispute. Documentation must be a direct result of cardholder communication. This can. 103. Click on the Chargeback Reason Code drop-down menu, the user can change the. The major card networks have unique reason code systems, and banks use separate tools. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code F29, which indicates an unauthorized transaction that the cardholder does not believe they should be responsible for paying. Visa chargeback reason codes. The number of in-person fraud attacks attempted in the UK has dropped by 69% since 2004. There are tricks you might use to circumvent an undesirable authorization message, such as not requesting authorization at all, or making multiple attempts on a declined card. When one cardholder initiates a dispute with their issuing bank, a. ) A no-nonsense summary of evidence that proves transaction is legit. These chargebacks occur to resolve chargeback-related disputes between network members. When you receive a chargeback request, respond promptly with any relevant information or evidence that supports your case. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. 1: Use the corresponding dates from the invoice. F24: No Card Member Authorization:. Reason code 83 represents a chargeback categorized as. The good news is that most of these invalid claims are disputable by the merchant. It is mandatory to send this field if you async status update is chargeback. Change of Chargeback Reason to an Authorization-related Chargeback Replace ‘Change of Reason within the Cardholder Dispute Chargeback’ with this section. Batch chargeback process. First Chargeback failed: Reason Code 4837 not allowed under “issuer auths, they own” chargeback rules: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for authorized CAT transactions: 100001: 400: INVALID_REQUEST: First Chargeback failed: Reason Code 4863 not allowed for. 3 –. Thus, the easiest way to prevent chargeback reason code 75 from being. 3. The customer regrets their purchase. Once you hear from. The other two chargeback reasons can be traced to very obvious causes — criminal activity and merchant mistakes. ; Help Center Find answers to common questions about Midigator’s technology,. Spot these types of chargebacks using the below reason codes. 2 – EMV Liability Shift Non-Counterfeit Fraud. Authorization Reason Codes. 5 (1050) (Visa) Card-not-present fraud. 2. This will be referenced in the chargeback notice you received. How you respond is determined by the chargeback reason code: Embed This Graphic. The time limits for responding to a chargeback also vary based on the card scheme and the chargeback reason code. R13 No Reply.