Chargeback Reason-Code Lookup
Look up any active Visa Claims Resolution or Mastercard Mastercom reason code — trigger, defense evidence, and response deadline in one card. 22 codes total: 15 Visa, 7 Mastercard.
No codes match your search. Browse the full references: Visa VCR → Mastercard Mastercom →
Fraud
EMV Liability Shift — Counterfeit
Counterfeit card used at a non-EMV-capable terminal.
Fraud
EMV Liability Shift — Non-Counterfeit
Legitimate card used fraudulently at a non-EMV terminal.
Fraud
Other Fraud — Card-Present
Unauthorized in-person transaction (card-present fraud).
Fraud
Other Fraud — Card-Absent
Unauthorized card-not-present transaction. The highest-volume fraud code for e-commerce.
Fraud
VFMP (rolled into VAMP March 2025)
Disputes initiated via the former Visa Fraud Monitoring Program (VFMP).
Authorization
Card Recovery Bulletin
Transaction flagged via Card Recovery Bulletin.
Authorization
Declined Authorization
Transaction processed despite a declined authorization.
Authorization
No Authorization
No authorization requested, authorization expired, transaction amount exceeded authorization, or late presentment.
Processing Errors
Incorrect Transaction Code
Incorrect transaction code submitted in authorization.
Processing Errors
Incorrect Currency
Incorrect currency submitted.
Consumer Disputes
Item Not Received
Cardholder claims goods or services were not delivered or arrived late. High volume for marketplaces, digital goods, and logistics-heavy merchants.
Consumer Disputes
Cancelled Recurring
Transaction charged after the cardholder cancelled a recurring arrangement. High volume for SaaS and subscription operators.
Consumer Disputes
Not as Described or Defective
Merchandise defective or materially different from representation.
Consumer Disputes
Counterfeit Merchandise
Cardholder claims goods are counterfeit.
Consumer Disputes
Misrepresentation
False advertising or misrepresented transaction terms.
Authorization
Required Authorization Not Obtained
Disputes filed when no valid authorization was obtained, when the protection period has expired, or when multiple authorizations were incorrectly requested for a single transaction.
POI Error
POI Error
Processing errors at the point of transaction — duplicates, amounts that differ from the authorized value, transactions already settled by another method, and ATM-related issues.
Fraud
No Cardholder Authorization
Cardholder claims the transaction was unauthorized.
Cardholder Disputes
Cancelled Recurring Transaction or Digital Goods
Transaction charged after cardholder cancelled a recurring arrangement, or digital goods not delivered as described.
Cardholder Disputes
General Cardholder Dispute
Broad umbrella code — merchandise or services materially different from description, credit not processed, damaged goods, quality issues.
Cardholder Disputes
Goods or Services Not Provided
Cardholder claims goods or services were not delivered or not available.
Fraud
Chip Liability Shift
Counterfeit or altered chip card used at a terminal that did not correctly process the EMV chip.
Want the full framework, not just one code?
This tool targets "look up this code right now." For the narrative explanation of how the VCR and Mastercom workflows work end to end — categories, deadlines, monitoring programs, and 2024–2026 rule changes — read the full reference articles.
Reason-code definitions and timelines change — verify against your scheme documentation or acquirer portal before acting.