Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. This code tells you why the customer or bank initiated the dispute. . The request is usually made when the cardholder is disputing a charge on their credit. This can be the result of intentional merchant fraud, but it is more likely to be an honest mistake. Unauthorized returns (R05, R07, R10, R29, R51): 0. A well-structured rebuttal letter should address the chargeback reason code, clearly explaining why the cardholder's dispute is not legitimate and why the funds should be returned to you. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. . Refer to Understanding disputes for a high level flow, and to Chargeback guidelines for scheme-specific information. Or fill in the chargeback form because it seems easier than contacting the merchant directly. . Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. The Merchant requested Authorisation for the Transaction, but it was declined or reversed, and the Merchant. This provided a number of insights into the typical. When you receive notification of a payment dispute or chargeback you may see a code listed with it. About Visa chargeback reason codes. Any chargeback that is received without a reason code will be assigned a default code of 53. 4: Fraud—Card-Absent Environment. 5 is part of the updated Visa reason codes that were phased out under the Visa Claims Resolution initiative. You can learn more about each one by visiting the Mastercard Chargeback Guide. While creating the reason codes, the bank asks the customer about the reason for dispute and then assigns a code. facebook. The cardholder claims they were charged multiple times for a single transaction. Reason Code 04. Whenever a card used in a transaction is declined, the sale should be terminated. Visa uses a numeric scheme for its chargeback reason codes. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. ” 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. The major card networks (Visa, Mastercard, Discover, and American Express) established these codes to clearly identify the reason a chargeback was. 5 Categories of Visa Chargeback Reason Codes. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. You must contact your Relationship Manager for information about the. 3 is the less common version for card-present transactions. Knowing these codes can help you dispute chargebacks more effectively. Credit Posted as a Purchase chargebacks, for example, at. Cardholder-Activated Terminal (CAT) 3 Device. Chargeback reason code 13. 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. 3: Goods or services were not as described: C31: RM: 13. The short answer is “no. 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. What are chargeback reason codes? It’s an alphanumeric string of text provided by an issuing bank following a chargeback that describes the reason for the. Learn how to interpret Mastercard chargeback reason codes, the codes that tell merchants why cardholders requested a chargeback. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not Received Non-Receipt of Goods or Services NO YES VISA 41 Canceled Recurring Transaction Cancelled/Returned by CardholderIn the case of reason code 11. PCI DSS v3. These may impact the dispute time limits. 6: Duplicate processing/Paid by other means. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. In most cases, the bank chooses a course of action based on information the cardholder provides. For the time being, however, merchants should be aware that banks may still use the legacy code. 5 can be disputed. To represent a chargeback, you need to resubmit the transaction and include a rebuttal of the cardholder’s claims and documented evidence that proves your case. This code applies when a transaction is not deposited within the timeframe designated by Visa (see chart below). These dispute must be processed no later than 120 calendar days from either:What is a Reason Code? Each chargeback and retrieval request bears a reason code, established by the payment brands. 4853 Cardholder Dispute. 2. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. What Are Chargeback Reason Codes? Chargeback reason codes identify the general reason behind a chargeback. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. A dispute or chargeback retrieval request is a request from a cardholder to the card issuer for a copy of the original transaction receipt. Use this guide as a resource to quickly identify a chargeback reason code from Mastercard. Mastercard chargeback reason code 4834 applies for a specific type of customer payment dispute. Services industry for image exchange and the creation of IRDs. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. Chargeback reason code 11. . “At the end. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not Received Non-Receipt of Goods or Services NO YES VISA 41 Canceled Recurring Transaction Cancelled/Returned by CardholderIn the case of reason code 11. 16, 2021. Chargeback fees can start at US$25 and go up from there. Statistics from Juniper Research estimate that online sellers will have lost $130 billion to online fraud between 2018 and 2023. This extra step can be frustrating for Card Members and lead to lost sales. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with. A chargeback is a transaction reversal resulting from a credit card payment dispute. 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. RN2 Credit Not Processed. 4: Other fraud: Card-absent environment: VCR Dispute Reason Code 13. 4 chargeback by showing at least one transaction from any time period in which the IP address, email address, physical address, and telephone number match the details of the disputed transaction. The main chargeback reasons look like this: Malicious fraud. In fact, the same thing could be said of other chargeback reason codes, too. RG Non-Receipt of Goods, Services, or Cash. Mastercom is Mastercard’s dispute management platform, which merchants can access via API connections enabled by their acquirer or payment processor. Some payment service providers like PayPal and Stripe have their own reason codes as well. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. In this case, the customer files for the pre-compliance chargeback (aka reason code 98). The implication is that the merchant failed to put adequate purchase controls on the account when it was set up. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. The list of chargeback reason codes in this article. Only an issuer can initiate the chargeback process. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. 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 is valid. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Make sure customers know how to reach you and that they always get a quick response—leaving a message from an unhappy customer unanswered is always an invitation to a chargeback. . About American Express chargeback reason codes. . Quality. About American Express chargeback reason codes. Which is meant to know the reason for the dispute. Goods / Services Damaged or Defective. Chargeback reason code 4853 can be used to indicate cases where the issuer has previously filed a chargeback for a disputed recurring transaction. Please note that the most common Chargeback reason code for Allocation disputes is 10. Learn more about chargeback reason codes Chargeback Time Limits: One More Thing to Worry About. 2 EMV Liability Shift Non-Counterfeit Fraud: Mastercard: 4870 - Chip Liability Shift 4871 - Chip/PIN Liability Shift: Discover: UA05 - Fraud Chip Card Counterfeit 4871 - Fraud Chip and Pin Transaction:About Visa chargeback reason codes. Now, 10. The first global company fully dedicated to helping merchants combat post-transactional fraud, Cb911 safeguards over 2. The ultimate purpose of a chargeback reason code is to explain to the merchant why a chargeback was filed. If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. Mastercard chargeback reason codes are four numerals without decimals. Visa’s rules allow merchants to fight chargebacks by presenting the charge a second time along with evidence supporting its legitimacy. Simply search for your Visa chargeback reason codes, and learn why the chargeback was issued. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Major card networks including Visa, MasterCard, Discover and American Express have different reason code systems. 4 spec (Section 8. Retry after 10 days. The Chargeback Reason Code Format. What Are the Time Limits for Mastercard Chargeback. Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable Transaction is not eligible for Reason Code 75 or 83: 9Depending on the chargeback, the required evidence might consist of transaction receipts, particular authorization response codes, proof of delivery, correspondence with the customer, or any number of other specific documents. Here is what each one means: R01 – Insufficient Funds: The account holder did not have enough money in their account to cover the transaction. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. To help you identify what happened, look up the code you received for the dispute below. If a chargeback is requested as a direct result of the quality of the sold item, the chargeback will have one of the following reason codes. For instance, if the customer claims unauthorized purchase, your letter should cite evidence, such as an IP address matching previous purchases, to support. Build & Submit a Representment Case in 4 StepsChargeback reason code 12. Friendly fraud. Johnson officially made TILA a law in 1968. 7. About Visa chargeback reason codes. Mastercard uses a four-digit numbering scheme for its chargeback reason codes. Chargeback representment is won or lost based on the quality and relevance of the evidence you provide. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. About Visa chargeback reason codes. The ultimate purpose of a chargeback reason code is to explain to the merchant why a chargeback was filed. This can provide important information to fight the dispute. Chargeback reason codes are one piece of evidence you can use to make your case. The specific guarantee terms and reimbursement procedures will. Assemble Your Evidence. Discover uses unique codes to explain those reasons to merchants. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the checkout. We say the given reason because it may or may not reflect the true reason. United States; 18167 US Highway 19 N; Clearwater, FL 33764; 877. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your chargeback reason codes can provide you with insights into what types of disputes are causing you the most trouble. When you get a chargeback, it means that the funds from a completed transaction are being taken out of your merchant account and returned to the cardholder. Reason codes vary by card brand. Duplicate Processing - 81How many chargeback reason codes are there? Among the four major credit card networks, there are a total of 151 reason codes. Reason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputesMastercard chargeback reason code 4871 is one of the numeric labels assigned by banks to customer disputes, indicating the given reason for the claim. . Cardholder Disputes. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. The following tables show the Stripe categories for each card network’s dispute reason codes. The chargeback system was designed as a last resort; only to be used in specific situations. 6). 2, it’s simple and straight-forward: The merchant attempts in any way to force, circumvent, or override a declined authorization. Chargeback reason code 4853 can be used to indicate cases involving hotels or other temporary lodging establishments where a customer claims that the hotel charged an undeserved fee to the cardholder’s bill. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—QuestionableThe Truth in Lending Act, or TILA, serves as a safeguard for consumers in their interactions with lenders and creditors. 7 Violation for Coercion Claim. If you believe you have received an ACH return in error, you can contact your bank. Chargeback representment succeeds when you can present your rebuttal concisely and substantiate. 6 General update and rebranding. Use fallback options—like manually entering transaction data—as a last resort. Each bank card network has its owner list of reason codes banks must prefer from. Visa uses a numeric scheme for its chargeback reason codes. “Visa has 28 different reason codes. It might be possible that the customer. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. 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. eCommerce grew too fast for the payments industry to respond. Before you begin. Visa uses a numeric scheme for its chargeback reason codes. This umbrella category can be applied to multiple specific situations, many of which had their own specific codes at one time. . It can also refer to situations where the cardholder’s account has been debited more than once for the same transaction. You can see a reason code 11. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. Simply search for your Visa chargeback reason codes, and learn why the chargeback was issued. 634. About Visa chargeback reason codes. Even though there aren’t any state or federal laws mandating return policies, many states in the US have very strict guidelines regarding returns. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. Chargeback Reason Code 13. Each reason code has its own regulations set by the relevant card scheme. . . AMERICAN EPRESS CARGEBACK CODES 10 REASON CODE 4521 Invalid Authorisation Chargeback Reason Any of the following reasons: 1. Reason Code 12. At Visa they used to receive reason code 98. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. While there are many chargeback reason codes, all chargebacks fall into one of three categories:American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. A “No Authorization” code chargeback can also be the. Some reason codes are easy to verify. Providing evidence of one of the following has a high likelihood of proving a dispute invalid and overturning the chargeback: Evidence Dashboard. It could apply for merchandise or services being different than described, or disputes involving counterfeit goods (just to name a few examples). We say the given reason because it may or may not reflect the true reason. This specific code applies when a cardholder reports that the actual merchandise received was counterfeit, and can back up that claim with documentation from a reliable, professional third party. 1 falls under the “Processing Errors” category. Invalid Reasons for a DisputeFraud reason codes are those indicating disputes regarding fraudulent activity, authorization discrepancies, and EMV liability shift issues. Reason codes are very crucial to assist merchants to. A TC40 data claim occurs when a customer makes a fraud claim against a merchant. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Code 10. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. One catch is that CE3. Chargeback Reason Codes; BIN Lookup; ROI Tool; Company. Consumer Disputes. Chargeback reason code 4853 No-Show Dispute is one of the numeric labels assigned by banks to each customer dispute, indicating the given reason for the claim. Reason codes give merchants information about the cause of a chargeback and what evidence. The format depends on the credit card company. Find this type of chargeback with the below reason codes. F01. This code applies when a transaction was processed without acquiring authorization…but the card used in the transaction was listed in the Visa Card Recovery Bulletin (CRB). The reason code is accompanied by its description on. Visa chargeback reason codes are used to categorize the reasons for a chargeback. F02. You must tailor your representment case — including the compelling evidence — to the reason code under. . ” This reason code indicates that the cardholder is disputing the credit card transaction because they provided payment via some other method, such as cash, check. . This code applies when valid authorization for a transaction was required but not obtained, and the merchant processed the transaction anyway. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). Reason codes are alphanumeric codes that provide the justification for granting a chargeback. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. The terminal action codes are in Table 122 of the 4. A dispute often has a reason code associated with it. Chargeback reason code 10. Chargeback reason code 10. Visa Chargeback Reason Codes; MasterCard. Each of these causes has a designated “reason code,” and banks assign the appropriate code to. 1. If the merchant is not EMV-compliant, the liability for a fraudulent transaction shifts from the card issuer to the actual merchant. All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. The reason codes are grouped into several broad. 6? Chargeback reason code 13. Share your cancellation policy, note that it was displayed prominently, and show that the cardholder agreed to the terms at the time of the purchase. You should code appropriately to handle all codes applicable to the transactions you use. 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 is validWhile the updates have been published, they do not go into effect until Oct. 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 is valid. 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. Discover is a credit card network and an issuing bank—just like American Express. 4846. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute. . 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. It was originally just one facet of legacy reason code 81. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. 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 is valid. F02. Over a decade later, our exclusive data-driven platform provides true end-to-end chargeback prevention and remediation technology. In theory, reason codes help merchants. American Express. . The separation of the Return ReasonChargeback reason code 13. twitter. 4859 Addendum, No-show, or ATM Dispute. Chargebacks911® can help your business manage risk from Visa chargeback reason code 10. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. Fraudulent TransactionsA reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. 2. About Visa chargeback reason codes. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. IC Illegible Sales Data. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. This code is unique—at least currently—in that Visa has since split it into two separate categories: 12. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. If you do perform a key-entered transaction, make a manual imprint of the card. Find out the differences between the reason codes, how. Chargeback Reason Codes. Chargeback Reason Codes The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Multiple Authorization Requests. ©Some new codes do not have legacy counterparts and should be coded 0 – Unknown/Unspecified. com; Europe; Vantage House;chargebacks, even on cases where you accept liability. This code applies when a transaction is not deposited within the timeframe designated by Visa (see chart below). Overview. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 4849 – Questionable Merchant Activity – Questionable Merchant Audit Program (QMAP) 4863 – Cardholder Does Not Recognize – Potential Fraud. The aim of CE 3. Visa. Each bank card network has its owner list of reason codes banks must prefer from. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. To simplify this process, the situations that may qualify for a chargeback are broken down into designated “reason codes. Now, 10. . Chargeback Reason Codes: 5 Things For Merchants to Know 1. 3 applies when a cardholder claims a charge—made in a card-present environment—was. The most comprehensive guide to chargeback reason codes. Chargeback reason code 12. In simple terms, Mastercard Chargeback Reason Code 4859 — No Show/Addendum/ATM Dispute refers to situations where a customer claims the services purchased from a merchant were not fulfilled. American Express, Discover (and Diners Club International, which it owns) use a combination of numerals and letters. 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. A retrieval request—sometimes called a “soft chargeback”—is a method of obtaining a copy of the paperwork to validate a transaction. Thanks for following the Chargeback Gurus blog. 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. This broad umbrella category includes an array of chargeback causes. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardVisa Claims Resolution consolidated the company’s previous roster of chargeback reason codes into four fundamental dispute categories: Fraud; Authorization; Processing Errors; Consumer Disputes; The reason codes are broken up into general, related categories. Identifying the chargeback. . When a chargeback is filed, a bank selects the code that best fits the reason a chargeback was filed. 4: Other Fraud–Card-Absent Environment. FR2 Fraud Full Recourse Program. Chargeback Reason Codes All received credit card disputes include a reason code. In order to compile the right kind of evidence, you need to know what justification the cardholder gave to the bank for requesting a chargeback. Visa reason code 13. Now, compliance cases must be submitted through Visa Resolve Online (VROL). Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. 180 First Chargeback: MTI 1442. Chargebacks with the following reason codes are requested due to fraudulent activity. Administrative returns (R02, R03, R04): 3%. 18167 US Highway 19 N Clearwater, FL 33764 877. A chargeback with reason code 4834 may refer to disputes involving Dynamic Currency Conversion (DCC) at the point of the interaction. The card networks will often spell out exactly what evidence you need to successfully represent a chargeback. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. But if RDR receives a dispute about a Visa card transaction, it will instead consult the ruleset provided by the. RuPay Card holder Dispute Chargeback Reason Codes: 1) Retrieval Request Reasons and Reason Codes. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. We say the given reason because it may or may not reflect the true reason. Visa Fraud Chargeback Reason Codes 10. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Fraud. supporting documentation in first chargebacks for chargeback reason code 4863 (Cardholder Does Not Recognize). Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a chargeback. This is commonly caused by either true fraud or friendly fraud. Oftentimes, the reason code assignment is based on limited knowledge and insight. Message. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. They make it easier for originating and receiving financial institutions to spot and communicate payment failures. The chargeback process can last from one month to six months. The aim here was to streamline the list of reason codes, and make it. Acquirer Use of Message Reason Code 7623. With this information, you can determine the root causes of your chargebacks and take. For each reason code, a definition is provided along with the merchant’s actions—or failure to act—that may have caused the chargeback,The chargeback reason codes below explain why this happened. This broad umbrella category includes an array of chargeback causes. Chargeback. FR6 Partial Immediate Chargeback Program. The implication is that the merchant is at fault. 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 is. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 4860 Credit Not Processed. For a no-show reason code to apply. United States. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Chargeback reason code 11. 1. With this information, you can determine the root causes of your chargebacks and take. 634. M10 Vehicle Rental – Capital Damages. This Chargeback Reason Code has to do with all authorization issues, such as when someone makes a. 00 EUR as a Withdrawal fee. 7 Updated format All 1. Invalid chargebacks from Visa chargeback Reason Code 13. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF).