ChargebackDesk · Reason codes

Chargeback reason code library

Every Visa, Mastercard, American Express, and Discover reason code an online seller is likely to see — what it means and which evidence story answers it. Free, no signup. Written for Stripe sellers of courses, software, downloads, and memberships.

Find your code first. In the Stripe Dashboard, open the dispute: Stripe shows its own reason (for example fraudulent). The card network's reason code is on the dispute where Stripe exposes it — in the API, look for payment_method_details.card.network_reason_code. The network code tells you exactly what the cardholder's bank claimed.

Networks revise their code lists. The names below follow each network's published lists; if your dispute shows a code that isn't here, the Stripe reason still points you to the right guide. Where Stripe's published category tables list a code, the "Related" guide follows Stripe; for the other codes, the link is our mapping, not Stripe's. Discover's full dispute rules aren't public, and in Stripe a Discover dispute may show a four-digit network code (for example 7030 for card-not-present fraud) rather than the two-letter codes listed below.

Search the library

Code, name, or keyword (e.g. "10.4", "recurring", "duplicate")

Code	Name	Type	Read
Visa 10.1	EMV Liability Shift Counterfeit Fraud	Fraud	Related: Fraudulent
Visa 10.2	EMV Liability Shift Non-Counterfeit Fraud	Fraud	Related: Fraudulent
Visa 10.3	Other Fraud — Card-Present Environment	Fraud	Related: Fraudulent
Visa 10.4	Other Fraud — Card-Absent Environment	Fraud	Full guide
Visa 10.5	Visa Fraud Monitoring Program	Fraud	No evidence accepted — see Stripe
Visa 11.1	Card Recovery Bulletin	Authorization	Related: General
Visa 11.2	Declined Authorization	Authorization	Related: General
Visa 11.3	No Authorization/Late Presentment	Authorization	Related: General
Visa 12.1	Late Presentment (older code; Stripe may still show it)	Processing error	Related: General
Visa 12.2	Incorrect Transaction Code	Processing error	Related: General
Visa 12.3	Incorrect Currency	Processing error	Related: General
Visa 12.4	Incorrect Account Number	Processing error	Related: General
Visa 12.5	Incorrect Amount	Processing error	Related: General
Visa 12.6.1	Duplicate Processing	Processing error	Full guide
Visa 12.6.2	Paid by Other Means	Processing error	Related: Duplicate processing
Visa 12.7	Invalid Data	Processing error	Related: General
Visa 13.1	Merchandise/Services Not Received	Consumer dispute	Related: Product not received
Visa 13.2	Cancelled Recurring Transaction	Consumer dispute	Related: Subscription canceled
Visa 13.3	Not as Described or Defective Merchandise/Services	Consumer dispute	Related: Product unacceptable
Visa 13.4	Counterfeit Merchandise	Consumer dispute	Related: Product unacceptable
Visa 13.5	Misrepresentation	Consumer dispute	Full guide
Visa 13.6	Credit Not Processed	Consumer dispute	Related: Credit not processed
Visa 13.7	Cancelled Merchandise/Services	Consumer dispute	Related: Credit not processed
Visa 13.8	Original Credit Transaction Not Accepted	Consumer dispute	Related: General
Visa 13.9	Non-Receipt of Cash at an ATM	Consumer dispute	Related: General
Mastercard 4808	Authorization-Related Chargeback	Authorization	Related: General
Mastercard 4834	Point-of-Interaction Error (incl. duplicate processing, paid by other means)	Processing error	Related: Duplicate processing
Mastercard 4837	No Cardholder Authorization	Fraud	Related: Fraudulent
Mastercard 4849	Questionable Merchant Activity	Fraud	Related: Fraudulent
Mastercard 4853	Cardholder Dispute (not received, not as described, credit not processed, recurring)	Consumer dispute	Related: Product unacceptable
Mastercard 4863	Cardholder Does Not Recognize — Potential Fraud (older code; Stripe may still show it)	Fraud	Related: Unrecognized
Mastercard 4870	Chip Liability Shift	Fraud	Related: Fraudulent
Mastercard 4871	Chip Liability Shift — Lost/Stolen/Never Received Issue (NRI) Fraud	Fraud	Related: Fraudulent
Mastercard 6341	Fraud-related code — Stripe lists it under Fraudulent	Fraud	Related: Fraudulent
Mastercard 4841	Canceled Recurring or Digital Goods Transactions — Stripe lists it under Subscription canceled (older code; Stripe may still show it)	Consumer dispute	Related: Subscription canceled
Mastercard 4855	Goods or Services Not Provided — Stripe lists it as "Transaction Did Not Complete" under Product not received (older code; Stripe may still show it)	Consumer dispute	Related: Product not received
Mastercard 4860	Credit Not Processed (older code; Stripe may still show it)	Consumer dispute	Related: Credit not processed
Mastercard 4831	Transaction Amount Differs (older code; Stripe may still show it)	Processing error	Related: General
Mastercard 4842	Late Presentment (older code; Stripe may still show it)	Processing error	Related: General
Amex F24	No Card Member Authorization	Fraud	Related: Fraudulent
Amex F29	Card Not Present	Fraud	Full guide
Amex F30	EMV Counterfeit	Fraud	Related: Fraudulent
Amex F31	EMV Lost/Stolen/Non-Received	Fraud	Related: Fraudulent
Amex C02	Credit Not Processed	Consumer dispute	Related: Credit not processed
Amex C04	Goods/Services Returned or Refused	Consumer dispute	Related: Credit not processed
Amex C05	Goods/Services Canceled/Not Received/Partially Received	Consumer dispute	Related: Credit not processed
Amex C08	Goods/Services Not Received or Only Partially Received	Consumer dispute	Related: Product not received
Amex C14	Paid by Other Means	Consumer dispute	Related: Duplicate processing
Amex C28	Canceled Recurring Billing/Goods Not as Described/Defective/Damaged	Consumer dispute	Full guide
Amex C31	Goods/Services Not as Described	Consumer dispute	Related: Product unacceptable
Amex C32	Goods/Services Damaged or Defective	Consumer dispute	Related: Product unacceptable
Amex P01	Unassigned Card Number	Processing error	Related: General
Amex P03	Credit Processed as Charge	Processing error	Related: General
Amex P04	Charge Processed as Credit	Processing error	Related: General
Amex P05	Incorrect Charge Amount	Processing error	Related: General
Amex P07	Late Submission	Processing error	Related: General
Amex P08	Duplicate Charge	Processing error	Related: Duplicate processing
Amex P22	Non-Matching Card Number	Processing error	Related: General
Amex P23	Currency Discrepancy	Processing error	Related: General
Amex R03	Insufficient Reply (Amex generally uses it when an inquiry reply lacks what was asked for)	Inquiry / program	Related: General
Amex R13	No Reply (Amex generally uses it when an inquiry goes unanswered)	Inquiry / program	Related: General
Amex M01	Chargeback Authorization	Inquiry / program	Related: General
Amex FR2	Fraud Full Recourse Program	Inquiry / program	Related: Fraudulent
Amex FR4	Immediate Chargeback Program	Inquiry / program	Related: General
Amex FR6	Partial Immediate Chargeback Program	Inquiry / program	Related: General
Discover UA01	Fraud — Card Present Transaction	Fraud	Related: Fraudulent
Discover UA02	Fraud — Card Not Present Transaction	Fraud	Full guide
Discover UA05	Fraud — Chip Counterfeit Transaction	Fraud	Related: Fraudulent
Discover UA06	Fraud — Chip and PIN Transaction	Fraud	Related: Fraudulent
Discover AA	Does Not Recognize	Fraud	Related: Unrecognized
Discover AP	Recurring Payments	Consumer dispute	Related: Subscription canceled
Discover RG	Non-Receipt of Goods, Services, or Cash	Consumer dispute	Related: Product not received
Discover RM	Cardholder Disputes Quality of Goods or Services	Consumer dispute	Related: Product unacceptable
Discover RN2	Non-Receipt of Credit	Consumer dispute	Related: Credit not processed
Discover AT	Authorization Noncompliance	Authorization	Related: General
Discover DA	Declined Authorization	Authorization	Related: General
Discover NA	No Authorization	Authorization	Related: General
Discover EX	Expired Card	Authorization	Related: General
Discover AW	Altered Amount	Processing error	Related: General
Discover CD	Credit Posted as Card Sale	Processing error	Related: General
Discover DP	Duplicate Processing	Processing error	Related: Duplicate processing
Discover IC	Illegible Sales Data	Processing error	Related: General
Discover IN	Invalid Card Number	Processing error	Related: General
Discover LP	Late Presentation	Processing error	Related: General
Discover PM	Paid by Other Means	Processing error	Related: Duplicate processing
Discover NC	Not Classified	Processing error	Related: General

Full guides so far

Visa 10.4 — Other Fraud — Card-Absent Environment

What Visa 10.4 means, the deadline that actually binds you in Stripe, the evidence that answers it, and how Compelling Evidence 3.0 works.

Visa 13.5 — Misrepresentation

The as-sold sales page and terms are the case. What to submit, what loses, and when to accept a 13.5 instead of fighting it.

Visa 12.6.1 — Duplicate Processing

Only two true stories win a duplicate dispute. How to tell which one you have, what to submit, and when to accept.

Amex F29 — Card Not Present

How Amex card-not-present fraud disputes work, why the inquiry stage matters, and the usage evidence that answers them.

Amex C28 — Cancelled Recurring Billing

The signup-era cancellation policy and this customer's cancellation record decide C28. What to submit, and when to accept instead.

Discover UA02 — Fraud — Card Not Present Transaction

How Discover card-not-present fraud disputes work, why the inquiry stage matters, and the usage evidence that answers them.

Guides by Stripe dispute reason

Stripe groups network codes into its own reasons. Each guide covers the evidence story behind the codes we map to it:

Fraudulent · Unrecognized · Subscription canceled
Product not received · Product unacceptable
Credit not processed · General · Duplicate

Check your dispute's evidence — free See a finished sample packet

Authorization and processing-error codes are often about your payment setup rather than evidence — when a code can't be answered with records, the right move is usually to accept and fix the cause. Our checker says so before you spend time on it.