Discover chargeback reason code 7030. ”. 1. Updated Disputes/Chargeback Policy Coming April 2024Last updated: October 15, 2019 . F02. This is a code taken from the card scheme’s published list, which identifies why the issuer filed the dispute: Visa Chargeback Reason Codes. 71% of digital commerce losses result from chargeback fraud and friendly fraud. The transaction amount is re-charged to the cardholder’s account, and the funds go back into your bank account. 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. up under any number of different chargeback . • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. This will be referenced in the chargeback notice you received. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. Chargeback reason codes 71 and 4808 are caused when merchants ignore a declined authorization response from the issuer and attempt one of the following actions:. 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. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. reason code information. If you need additional information, visit the additional resources provided at the bottom of this page or at Chargeback. Chargeback . According to our research, friendly fraud will represent six out of every ten chargebacks filed in North America by 2023. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRR Issuer ACS unavailable - Visa generated CAVV. . Both EFM and ECM measure compliance at the MID level. Sometimes, customers get wrongly debited due to manual data entry errors by the merchant’s team. Chargebacks were introduced as a form of consumer protection against. Pre-arbitration gives the acquirer and issuer. On xx/xx/xxxx, we received a chargeback under the reason code 11. ). If they think it does, they assign it a reason code and credit the funds back to the cardholder’s account. ’Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. Chargeback. UA06 Fraud – Chip and PIN Transaction. For example, Visa reason code 83 is one of the reason codes with several modifiers with which it’s associated. 1. Response to retrieval request: Based on the information provided, the acquiring and issuing banks resolve the dispute, if possible. 71 (1) Declined Authorization. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. While there are many chargeback reason codes, all chargebacks fall into one of three categories: The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)What is Visa chargeback reason code 11. The following scenarios can also result in code 12. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. What is Visa chargeback reason code 12. Try Shopify free for 3 days, no credit card required. 5%. 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. 11. 6: Duplicate processing/Paid by other means. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. There are two parts to this. A Merchant Outlet is identified in the Global Merchant Chargeback Monitoring Program if it meets or exceeds all of the following monthly performance activity levels:. The aforementioned chargeback occurred on January 19, 20. All ACH return reason codes consist of the letter “R” followed by two numbers (R01, R12, R22, etc. Acquirer Use of Message Reason Code 7623. Technical. ” This reason indicates a merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, but submitted the. 11, 16. Visa Chargeback Codes — removed retired codes. Chargebacks. . These codes are broken down into five different category. REQUEST A DEMO. 4 Other Fraud—Card Absent Environment – a common friendly fraud reason code, especially when the cardholder doesn’t recognize the transaction on their statement. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. 10. Our article covers the most common chargeback codes, including what they mean, how to prevent them, and how to dispute them if necessary. Feel free to submit topic suggestions, questions or requests for advice to:. Cancelled Recurring Billing - 71 is an American Express Chargeback Reason Code that merchants and e-commerce sellers should be aware of. Updated these Discover Chargeback Codes: U05, U06. The standard chargeback process involves eight steps: Retrieval request: The card-issuing bank requests that the acquiring bank provide additional information for a given transaction. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. After an authorization request is declined, the merchant forces the transaction through, typically by key-entering it, without making another authorization request. reason code information. Not only that, but a higher win rate may incentivize banks to conduct greater due diligence before filing a chargeback in the future. Accessed October 31, 2022. [MasterCard Reason Codes 4853, 4855, 4859;. If the customer’s story matches. For each reason code, a definition isChargeback reason code 10. They control the respective networks through which transactions involving Visa- and Mastercard-branded cards are processed, but. Each chargeback received a numeric code which is known as the “reason code”. R03 Insufficient Reply. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. Friendly fraud is challenging for merchants because it’s tough to diagnose. Code 10. 'luhfw fruuhvsrqghqfh wr wkh dssursuldwh hpdlo edvhg xsrq wkh uhdvrq frgh ri wkh lvvxh olvwhg ehorz <rx pd frpelqh lvvxhv iru gliihuhqw uhdvrq frghv lq wkh vdph fruuhvsrqghqfh rqo li wkh hpdlo ghvwlqdwlrq lv wkh vdph <rx pd. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Each chargeback received a numeric code which is known as the “reason code”. [noun]/* kə • stə • mər • di • spyo͞ot/. This reason code indicates that the merchant processed a transaction using the wrong transaction code. ©Visa uses chargeback Reason Code 80 to designate chargebacks resulting from processing transactions where either the account number or the transaction amount posted with the card issuer does not match the one shown on the sales receipt. 2? Visa chargeback reason code 11. Services industry for image exchange and the creation of IRDs. In 2021, 43 percent of companies identified customer service delays as a top reason for their increase in chargebacks. Chargebacks—Maestro POS Transactions—added information to the section, Proper Use of Intra-European Message Reason Code 4808, about theStep #2 | Report the Scam to PayPal. This does not include an AuthorizationVisa’s Reason Code 71 can be confused with Reason Code 83, as in both a chargeback results from a failure to obtain an authorization approval. The main chargeback reasons look like this: Malicious fraud. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. About Visa chargeback reason codes. 4841 Canceled Recurring or Digital Goods Transactions. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. However, the 30 day waiting period can be waived if you’ve. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Retrieval Request/ Copy request Reason Codes. 6. A reason code is an alphanumeric code that explains the reason behind the dispute. To submit your documents to Wave, use the link in the chargeback notification email, or reply to the email. A chargeback happens when a customer requests for a transaction to be reversed. This list was generated 5/4/2022. UA05 Fraud – Chip Counterfeit Transaction. When alerted about a potential chargeback, businesses can reach out to the customer promptly to understand and address their concerns. io Search the Chargeback Reason Code Database. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. Each code corresponds to an issue or problem. What is Visa chargeback reason code 11. Visa chargeback reason codes are used to categorize the reasons for a chargeback. To avoid this, issuers can identify their chip cards using the Service Code field with a first byte value of 2 or 6. Here’s how your store can prevent and deal with chargebacks. 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. Each of these causes has a designated “reason code,” and banks assign the appropriate code to. A chargeback is the potential outcome of a disputed credit or debit card transaction. 2 Compliance CasesWEX began issuing chip cards in Q4, 2020. The sales receipt and/or date and amount of the authorization if other than the transaction date. ” This code indicates that the merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card”. MasterCard does not have an equivalent reason code. The terminal action codes are in Table 122 of the 4. Check with the issuing banks to determine what time limits may apply to you. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. A dispute often has a reason code associated with it. Protect stored cardholder data. A new 4 byte reason code will be used moving forward. 196 Further information at page PSR-564, 11. However, it is important to note that this reason code is based on the reason given by the customer to their bank. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardChargeback reason codes are one piece of evidence you can use to make your case. Each major credit card company has its own. 10. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. Versions Affected: v5, v6. Merchants who believe they have received an invalid chargeback under reason code 13. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. 4 Section . There is a USD 25 limit for the First Chargeback (Reason Code 22). However, they don’t address the reason why that chargeback was issued in the first place. 196Further information at page PSR-564, 11. 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. Every time a merchant processes a transaction, they are supposed to send an. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. The chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. Either the acquiring or issuing bank could initiate the. [1] Sift. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Acquirer Use of Message Reason Code 7623. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some. Make sure your entire team is on the same page. 4 chargebacks:The customer can raise a dispute against any transaction. Field name: reasonCode. In fact, 91. These are the phases: Level 1/Phase 1: Retrieval request or first presentment. New Code per Visa update. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Once you hear from. The newer system is designed to. What are the odds a merchant will “win” the chargeback dispute? The true odds depend on the strength of the compelling evidence and the chargeback reason code itself. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. ©Chargeback codes Last updated: August 16, 2023 Below you'll find a list of chargeback codes along with an explanation of what each one means, covering both. Chargeback reason codes can change with new information. The Merchant Reviews the Partial Chargeback Claim. If you did not receive the email, open Mave, Wave’s automated chatbot, and. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. 3: Goods or services were not as described: C31: RM: 13. Chargeback Reason Codes. This code is used when a cardholder cancels a recurring transaction but is subsequently billed again by the merchant. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Reason. You can learn more about each one by visiting the Mastercard Chargeback Guide. Chargeback Code Authorization Errors; A01: Charge Amount Exceeds Authorization Amount: A02: No Valid Authorization: A08: Authorization Approval Expired: Chargeback Code: Type: Fraud: F10* Missing Imprint: F14* Missing Signature: F22: Expired or Not Yet Valid Card:Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involving-1,014. Understanding these codes is essential because they'll guide your response strategy. For the sake of simplicity and standardization, card networks like Visa have created a breakdown of the acceptable causes for a customer to dispute a credit card charge by filing a chargeback. non_receipt: The buyer claims they didn't get the goods or services. The tickets were held at the box office, and no signature, swipe or imprint of the card was obtained when the tickets were released. Description of Change Where to Look Updated Chip Liability Shift table elements Second Presentment Condition bullet #2, Supporting Documents and DE 72. Here’s how your store can prevent and deal with chargebacks. Current Reason Code New VCR Reason Code 70(1) 11. Chargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. Category. Visa Reason Codes Quick Reference Guide Author: TD Canada TrustMastercard Chargeback Guide is a comprehensive document that explains the rules and procedures for resolving disputes between cardholders, merchants and issuers. 4. non_receipt: The buyer claims they didn't get the goods or services. . Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature) Merchants who believe they have received an invalid chargeback under reason code 11. Chargeback. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. The most comprehensive guide to chargeback reason codes. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. November 5, 2023. With the chargeback code in hand, the merchant can now review the transaction. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Overall returns (all codes): 15%. With that said, you still need to understand the reason codes with any chargebacks from Amex. Merchants may face chargeback fees, and excessive chargebacks may result in fines or termination of merchant services. In other words: if you want to prevent forking over more revenue in the end due to chargeback fees, a simple, easy refund policy is the right way to go. . Step 1: Identify the Source. Reason codes vary by card brand. 16 Chargeback Reason Code 71 – Declined Authorization. Administrative returns (R02, R03, R04): 3%. The separation of the Return ReasonCredit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. 1001 - Cardholder does not recognize the transaction. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. For more information on these and other updates, check out our complete chargeback reason. Chargeback reason codes. 4630 . See full list on chargeflow. 3 No Authorization. Say Goodbye to Chargeback Fraud with Our Ultimate Prevention Guide. At this stage,. 1002 - Cardholder disputes billed amount. Region Only) 4855 Goods or Services Not Provided. Valid Values/Format: 22 - First Chargeback Handling Fee. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. 71 Authorization Request Declined 72 No Authorization 73 Expired Card 74 Late Presentment71: Declined Authorization. Mastercard: n/a This chargeback is caused by Authorization. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. This list was generated 5/4/2022. Description of Change Where to Look Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that includedEach card network has their own set of chargeback policies and reason codes, and they frequently change them. 1. The right to reason codes: When a card issuer files a chargeback, they must attach a reason code that identifies the grounds for the dispute. 6). Chargeback. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. EMV Liability Shift Non-Counterfeit Fraud. You must designate the write-off reason code for the system to use when you activate the automatic write-off feature. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. Chargeback time frames - A specific period during which a chargeback can be raised. Chargeback prevention strategies vary based on the reason for the. High Level Visa Chargeback Dispute Flow. The issuing bank reviews the information. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingThis could include showing that the chargeback was for a different amount than the original transaction or that the reason for the chargeback is incorrect. Maestro. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. The tickets were held at the box office, and no signature, swipe or imprint. 4 Counterfeit goods . Reason Code 04. 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. ; Resources. Authorization Category Codes. 1 primarily suggests a delivery lapse by the merchant. 1 falls under the “Authorization” category. 2: Incorrect Transaction Code. This chargeback is the consequence of a merchant’s attempt to circumvent or override a declined authorization response, which can be done through. The terms may be different, but the process remains fairly unchanged. 2134. Specify the invoice date and net due date to assign to chargebacks. 11, 16. 4630 . 4633 . 4: . Each card issuer follows their own standards for defining reason type, code and its format. The remaining 71% of losses come from chargeback fraud and friendly fraud. Effective for Transactions completed on or after 15 April 2016, A Transaction for which Authorization was obtained after a Decline Response was received for the same purchase. These codes are currently defined within the ANSI X9. There are a number of. Effective for Transactions completed on or after 15 April 2016, A Transaction for which. MASTERCARD Reason Code Description 01 Requested Transaction Data Not Received 02 Requested\Required information illegible or missing 07 Warning Bulletin File 08 Requested\Required authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing 71: Declined Authorization. instead of chargeback reason codes Chapter 3—Dual Message System Chargebacks, Overview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed all references to chargeback message reason code 4802—Requested/Required Information Illegible or Missing as announced in Global Security Bulletin No. Reason . 1. 33 (-2. 4 applies to eCommerce, whereas code 10. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. Upfront Chargeback If we determine we have sufficient information to pursue a Chargeback, we may debit your account up front. About Visa chargeback reason codes. The shorthand description is “Declined Authorization. Reason Code. 4. Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment) 2. Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. This ranges anywhere from roughly 60 to 90 days after purchase. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. Mastercard Chargeback Reason Code 70: Chip Liability Shift. Reason code 13. 4. 2 is an updated version of legacy Visa reason code 71, which was phased out under the Visa Claims Resolution initiative. Level 2/Phase 2: Chargeback. 4630 . F02. Chargeback reason codes have changed. Visa uses chargeback reason code 75 to designate chargebacks caused by non-recognition of a credit card transaction by the cardholder. ©UA01 Fraud – Card Present Transaction. Examples, processing a transaction even after the subscription is cancelled, defective items delivered, non-delivery of sold goods and so on. 71% of digital commerce losses result from chargeback fraud and friendly fraud. 10. If the order was genuinely not as described, then the cardholder has a case. Chargeback reason code 11. The customer regrets their purchase. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. It balances out the process and gives merchants the much-needed opportunity to influence the progression of a dispute before it becomes a fully-fledged chargeback. ©UA01 Fraud – Card Present Transaction. “ Chargeback Fraud Threat Growing as 65% of Chargebacks911’s Respondents Reported an Increase in 2022 “. Level 3/Phase 3: Second presentment, second chargeback, or pre-arbitration. Unfortunately, the final decision in such cases comes down to the issuing bank, and not. Fight; Prevent;. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. The shorthand description is “Declined Authorization. Cardholder Disputes. 7: Defective goods and services: C32: RM: 13. Visa chargeback reason codes. If you believe you have received an ACH return in error, you can contact your bank. 7 - Bulletin File. However, Visa is the largest card brand in both the United States and the world. Reference these when rebutting cardholder disputes at your small business. 1 is the successor to the older reason code 30, which was replaced as part of the Visa Claims Resolution initiative. Each chargeback reason code has specific rules and documentation requirements. Reason Code. If the order was genuinely not as described, then the cardholder has a case. The merchandise was as described or was not defective. The claim often, but not always, involves automated teller machines (ATMs). In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. . A chargeback happens when a customer requests for a transaction to be reversed. message. The reason codes are grouped into several broad. It is a valuable resource for anyone involved in the payments industry. 3 is an updated version of legacy reason code 53, which was phased out under the Visa Claims Resolution initiative. Please note that the most common Chargeback reason code for Allocation disputes is 10. Chargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. compliance process depending on whether a chargeback right exists. Specifically, these updates only pertain to transactions that are charged back after Oct. This scenario applies when the arbitration was raised by either the. Chargeback prevention alerts provide an opportunity for businesses to engage with customers in a proactive and customer-centric manner. By understanding the reason behind the chargeback, you can gather the necessary evidence to support your case effectively. Reason codes vary by bank networks (card association), but fall into four general categories: 1. Mastercard Collaboration will be a step in the right direction. What is the “Zelle Chargeback” Process? So, there’s technically no such thing as a “Zelle chargeback. 3 No Authorization. When one cardholder initiates a dispute with their issuing. Fraud. 2 Declined Authorization. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andprenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Explanation. Unauthorized returns (R05, R07, R10, R29, R51): 0. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. 2 falls under the “Processing Errors” category. Chargeback reason codes apply to disputes, between a cardholder (customer) and a merchant, when the dispute has escalated to a chargeback. These chargebacks occur to resolve chargeback-related disputes between network members. The number of in. Which is meant to know the reason for the dispute. 13. So don’t spend another second worrying about chargebacks. Level Up Your Chargeback Disputes with Social Media Clues. 10. 38%. Reason Code: Description: 17: Cash Dispute-ATM Only: 30: Cardholder Disputed Amount (U. George goes to an ice cream place and orders bars for all his friends. Specify the default reason code to. 71: Authorization Request Declined / Declined Authorization: 72: No Authorization / Transaction Exceeds Floor Limit: 73: Expired Card: 74: Late Presentment: 75: Cardholder Does Not Recognize the Transaction: 76: Incorrect Transaction Code: 77: Non Matching Account Number: 78: Ineligible Transaction (International only) 79: Requested Transaction. . They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. Mastercard: n/a This chargeback is caused by Authorization. NR . M49 Vehicle Rental – Theft or Loss of Use. American Express chargeback reason code R03 falls under the “Inquiry/Miscellaneous” category. The shorthand description is “Declined Authorization.