Cardholder dispute. All rights reserved. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The chargeback can be for the total transaction amount or a lesser amount. These codes fit into four categories:. without a reason code will be assigned a default code of 1. 4: 4863 It’s also important to note that any chargebacks involving Mastercard’s reason code 4834 (Point of Interaction Error) will see the chargeback filing timeframe reduced from 120 days to 90 days. These numeric codes are varied by card network but serve. for chargeback reason code 4863 (Cardholder Does Not Recognize). The list of chargeback reason codes in this article is organized by card brand and type of dispute. Bhimrao Ambedkar Mahavidyalaya. Pre-arbitration will replace second chargebacks for the following reason codes: Discover Chargeback Reason Codes Explained. 4 4837 4863. Excessive Chargebacks: The merchant exceeded established chargeback thresholds. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. 4863 – Cardholder Does Not Recognize – Potential Fraud: 120 days. Try Shopify free for 3 days, no credit card required. Combined the Authorization-related Chargebackssection into chargeback reason code 4808(Authorization-related Chargeback) as announcedin the Global Operations Bulletin No. The cardholder claims not to recognize a card-not-present transaction. Dispute Code. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. For more details feel free to contact Chargeback Expertz at +1 855-465-4723and get. Fraud-related Chargebacks • FNS Counter Exceeds 25 Fraud-Related Chargebacks. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Here’s how reason codes make it easy for you to check the status of your disputes or chargebacks: Mastercard Chargeback Reason Codes Demystified. For more details feel free to contact Chargeback Expertz at +1 855-465-4723and get. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. Discover Card Chargeback and Dispute Rules. The total volume in US dollars of Mastercard payments that result in fraudulent chargebacks (net fraud volume) calculated by dispute reason code (reason code 4837 and 4863) The fraud-count-to-transaction ratio (fraud chargeback rate) The ratio of 3DS Mastercard payments to all Mastercard paymentssuch as no authorization approval code received. 5 (1050) (Visa) Card-not-present fraud: 10. The reason code used to describe the dispute will determine the chargeback time limit. Mastercard chargeback reason code 4860: Credit Not Processed covers situations where the cardholder claims they are due a credit, but believes the merchant did not provide it. Proof the transaction occurred prior to the card’s expiration date. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. That’s because customers often use the. For example, 10. There are also specific return time frames, which can differ. 6. 4863 – Cardholder Does Not Recognize—Potential Fraud; 4870 – Chip Liability Shift; 4871 –. Summary of Changes, 13 December 2018Everything You Need to Know (2023) Shopify POS has everything you need to sell in person, backed by everything you need to sell online. Wenn Sie informiert werden, dass ein Chargeback vorliegt, heißt dies, dass die Transaktion vom Karteninhaber storniert wurde. Documentation must be a direct result of cardholder communication. There are multiple situations in which this can occur. Phase 4. [noun]/* kə • stə • mər • di • spyo͞ot/. 6 Reason Code 4855 UK—Goods or Services Not Provided, removed GBP 10 minimum value Summary of Changes ©2011–2015. Such chargeback is treated as a priority by. VCR tables (Figures 1 and 2) map the old Reason Code to its new Reason Code. Since it is such a popular reason code, a logical assumption would be that eliminating it would have a significant impact on the ecosystem. 2. Like (0) Hello, For MasterCard disputes (not on. Visa Chargeback Reason Codes. 4860 Credit Not Processed. However, the 30 day waiting period can be waived if you’ve. A successful 3-D Secure transaction is protected against the following CNP chargeback codes:. 2. for chargeback reason code 4863 (Cardholder Does Not Recognize). 6. message. As chargeback time limits get shorter and shorter, automated technology will become more and more valuable. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. First presentment fraud chargebacks include those with chargeback reason codes 4837 (No cardholder Authorization) and 4863 (Cardholder does not recognize — potential fraud). How to test a dispute. 4: Other Fraud — Card Absent Environment: 10. Across open networks and include account numbers sent over email, instant messaging, text, or chat. An informal poll of webinar participants found that 89% have experienced an increase in call-center volumes during the pandemic. 4863: Cardholder does not recognize – Potential Fraud. The win. for chargeback reason code 4863 (Cardholder Does Not Recognize). Lack of proper chargeback reason codes. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. The client will send this dispute to Paymentology’s Global support team via email – support@paymentology. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)for chargeback reason code 4863 (Cardholder Does Not Recognize). Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. Cardholder Dispute — Defective Merchandise / Not as Described. 4853 Cardholder Dispute. Specify the default reason code to. George found her mother’s card lying around so he decided to. Categories for reason codes have changed over the years, especially because. Expedited Dispute Resolution forms will not be allowed. 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. 4853. contract and any other information that will assist cardholder in identifying the transaction, or proof that a credit was processed. Reason Code 4863 - Cardholder Does Not Recognize/Potential Fraud. 02/10/16 Added Debit Chargeback Reason Codes. Summary of Changes, 13 December 2018UA01 Fraud – Card Present Transaction. The issuer submitted more than 25 chargebacks in aggregate involving the same account (as defined above) for message. 1: EMV Liability Shift: 10. The reason codes are grouped into several broad. Listed as American Express reason code 193, Visa reason code 83, MasterCard reason code 4863, and Discover reason code 6040, customers file fraudulent chargebacks when they believe fraud has occurred. The chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. UA02 Fraud – Card Not Present Transaction. Choose the representment amount. MC 4807 Warning Bulletin File. It covers topics such as chargeback rights, time frames, reason codes, arbitration and compliance. The chargeback reason code. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Proof that a positive response was obtained. 5. Each chargeback received a numeric code which is known as the “reason code”. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Each code has a different timeline. Chargeback Rate (fraud Reason code only) Fraud Chargeback Amount 3DS Mastercard payment; Excessive: Minimum of 1,000 e-commerce Mastercard payments: 0. Discover: Reason Code 4755 Non-receipt of goods or services. Chargebacks with the following reason codes are requested due to fraudulent activity. The most comprehensive guide to chargeback reason codes. 5. Values are: Blank: Use the receipt G/L date. Nothing immediately identifies a chargeback as being the result of first-party misuse. R03 Insufficient Reply. Credit 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. Consumer Disputes Fraud Categories [D1]– Chargeback reason codes can, for the most part, be divided into four unofficial categories: Fraud, Authorization,. Reason code 4840 (Fraudulent Processing of Transactions) can no longer be used. </sub> Detailed Chargebacks Reason Codes List for Mastercard. MasterCard Chargeback Reason Codes. . M49 Vehicle Rental – Theft or Loss of Use. 11/03/15 Updated these MasterCard Chargeback Codes: 08, 12, 31, 34, 42, 53, 55, 59, 60, 70, 71. 4863: Cardholder Does Not Recognize – Potential Fraud (US Only) 4870: Chip Liability Shift: 4871: Chip & PIN Liability Shift: 4905: Invalid Acquirer Reference Data on Second Presentment:Chargebacks. Documentation must be a direct result of cardholder communication. 13 Example 13—Message Reason Code 4863—Cardholder Does Not. EUR/USD 5 per chargeback for each chargeback over 300. In this case, the customer files for the pre-compliance chargeback (aka reason code 98). 4 Fraud – Card-Absent Environment. Summary of Changes, 13 December 2018Reason code 4837: Fraud related chargeback or no cardholder authorization. 6. 2:. 4 (1040) (Visa) Card-not-present fraud: F24. Mastercard. Request for Information. Documentation must be a direct result of cardholder communication. 4 Fraud – Card-Absent Environment. Mastercard Reason codes fall under four categories. Chargebacks filed using legacy reason code 4863 (“Cardholder Does Not Recognize — Potential Fraud”) were also subject, but this reason code has been retired and is no longer used. Reason code 4840 (Fraudulent Processing of Transactions) can no longer be used. It is a valuable resource for anyone involved in the payments industry. 5: 4870: Card not present at the time of transaction: F29: UA06: 10. Be transparent about your products. Download our. 1=1010,. However, just because a chargeback is coded with a fraud or no authorization reason code does not mean true fraud has. Chargeback reason codes used to categorize fraudulent chargebacks include American Express reason code 193, Visa reason code 83, MasterCard reason code 4863, and Discover reason code 6040. This reason code may not be used for: Properly. 5. The win. ” Whereas, ECM monitors first presentment. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. MasterCard time limits vary depending on the applicable reason code. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. Protect cardholder data. Expedited dispute resolution forms are no longer allowed. 4: 4863 4863: Cardholder does not recognize. Mastercard limits issuers’ chargeback rights for Reason Code 4863–Cardholder Does Not Recognize. Level 3/Phase 3: Second presentment, second chargeback, or pre-arbitration. 12, 1 December 2015, Authorization-related Chargeback Sections Combined. - Cardholder Does Not Recognize, Potential Fraud. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. The following are reason codes for the same scenario: Visa: Reason Code 30 Services not provided or merchandise not received. 3. Lastly, two of Mastercard’s existing reason codes are no longer valid: 4840 – Fraudulent Processing of Transactions; 4863 – Cardholder Does Not. Improve chargeback-resolution time. There are two parts to this. 4860 Credit Not Processed. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. 3. What is a chargeback. As such, it is limited to merchants in the following merchant category codes (MCCs): MCC 5735 — Record Stores. Chargeback reason codes used to categorize fraudulent chargebacks include American Express reason code 193, Visa reason code 83, MasterCard reason code 4863, and Discover reason code 6040. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and believes that the transaction was fraudulent. Each code has a different timeline. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. Documentation must be a direct result of cardholder communication. Code 4837 chargebacks are most often caused by either a fraudster making a purchase with stolen payment credentials or a cardholder failing to recognize a legitimate charge. Reason. section into chargeback reason code 4808 (Authorization-related Chargeback) as announced in the Global Operations Bulletin No. A chargeback happens when a customer requests for a transaction to be. Mastercard is reducing the chargeback filing time frame specifically for issuers from 120 to 90 days, in cases involving Mastercard chargeback reason code 4834 (Point of Interaction Error). Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. 4: Counterfeit Europay, Mastercard, or Visa (EMV) card: F30: UA05 or UA06: 10. Expedited Dispute Resolution forms will not be allowed. 1:. Only use EMV-compliant terminals. Visa, Mastercard, and other leading card companies each have their own respective set of codes for this purpose. FR2 Fraud Full Recourse Program. Write a chargeback rebuttal letter (with sample template) 8 Ways to Prevent Chargebacks. Set forth below are the sole chargeback reason codes pursuant to which you may be eligible for Chargeback Protection, subject to all of the terms and conditions contained herein. 6. FRAUD. Nachstehend haben wir für Sie die häufigsten Ursachen mit ihren sogenannten Reason Codes aufgelistet. Now we are very familiar with the word ‘Chargebacks’ from the expert at Chargeback Expertz. 10. 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. ” Currently, merchants can already prevent many 10. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. 3. MC 4808 Requested/Required Authorization Not Obtained. Simplify reason codes; Let’s look at each of these objectives a little more closely. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. Documentation must be a direct result of cardholder communication. Older time limits for disputes vary based on reason code; in many cases buyers have 120 days after a purchase to file a chargeback. 4808: Requested/Required Authorization Not Obtained. All Fraud-related 57,75,83,93,81 4863,4837, Chargebacks 4840,4847 If the transaction was processed as 3D secure . S. Example: 4863. Chargebacks with code 4836 were easy to file and hard to contest, meaning the code was commonly misused by cardholders and issuers. Always submit an authorization request, no matter the transaction amount. Banks, however, categorize chargebacks or disputes depending on the card used when a chargeback occurs. The MasterCard SecureCode global liability shift prevents Issuers from initiating chargebacks based on reason code 4837 and 4863 when: enrolled. 3: Card-Present Environment. Each MasterCard chargeback reason code has its own designated time limit within which it must be initiated. Cardholder letter, email or a form will also be required for Disputes reason codes involving Digital Goods and. Chargeback. MC 4812 Account Number Not on File. Here’s how reason codes make it easy for you to check the status of your disputes or chargebacks: Mastercard Chargeback Reason Codes Demystified. 4847. pdfOverview, Chargeback Message Reason Codes, First Chargeback: MTI 1442 Removed section numbers, reorganized sections to focus on chargeback reasonsReason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. 4863: Cardholder Does Not Recognize: 4870: Chip Liability Shift: 4871: Chip/PIN Liability Shift: 4807: Warning Bulletin File. 4:. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directlyOne of such changes is that chargeback reason code 4863 (Cardholder Does Not Recognize—Potential Fraud) will be eliminated deleted from the revised chargeback rules on or after 17 April 2020. These are the phases: Level 1/Phase 1: Retrieval request or first presentment. a monthly basis regardless of reason code and transaction type. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. How many chargeback reason codes exist? There are 151 reason codes across the four major card networks. Take the time to note the following dispute reason codes for Visa. But, it could be up to 540 days, in some situations. 4840. The cardholder denies participating in the transaction you processed. Reason Code Description; 10. Let us now get information about the basic explanation about MasterCard Chargeback Reason Codes. Chargeback reason American Express reason code Discover reason code Visa reason code Mastercard reason code; Card wasn't present at the time of transaction: F29: UA01: 10. This reason code may not be used for: Properly identified Mastercard SecureCode, Masterpass by Mastercard, and Digital Secure Remote Payment (DSRP) transactions (including any subsequent transaction related to the. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. 4871 – Chip/PIN Liability Shift – Lost/Stolen/Never Received Issue (NRI) Fraud . Specify the invoice date and net due date to assign to chargebacks. section into chargeback reason code 4808 (Authorization-related Chargeback) as announced in the Global Operations Bulletin No. View the entire list of reason codes below or search. Always submit an authorization request, no matter the transaction amount. 4807 – Warning Bulletin File. Not as Described or Defective Merchandise 83 4837 F29 UA02 30 4855 C08 RG 41 4841 C28 AP 85 85 4860 4860 C02 C02 RN2 RN2 75 4863. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and believes that the transaction was fraudulent. Below is a list of Mastercard chargeback codes used in eCommerce. The following table lists the Visa chargeback reason codes and their descriptions. After the issuing bank’s unsuccessful attempt to identify the transaction for the cardholder, the chargeback process begins. 4863: Cardholder Does Not Recognize—Potential Fraud: Fraud: 4870: Chip Liability Shift: Fraud: 4871: Chip/PIN Liability Shift: Fraud: 4807: Warning. Updated Disputes/Chargeback Policy Coming April 2024Chargeback Reason Codes. Those reasons codes are returned by the issuers/card schemes and mapped to different dispute reason categories. com on 5/26/2016. Visa, MasterCard, and American Express all list compelling evidence by reason code. Documentation must be a direct result of cardholder communication. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. Chargeback reason code 4853 can be used to indicate disputes where the cardholder simply claims that the merchant never delivered on what was promised. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. List of Chargeback Reason Codes. Documentation must be a direct result of cardholder communication. 5:The following message reason codes designate chargebacks resulting from issues related to customer disputes: Response Time Frame. 4863: Cardholders Does Not. Description. 4:. If left empty, the chargeback will be considered non-fraudulent. Phase 3. By entering your email, you agree to receive marketing emails from Shopify. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. Summary of Changes, 13 December 2018The reason codes – 4863 (MasterCard), R04 (AmEx) and AA (Discover) can help you get more details related to it. The time limit for issuers to instigate a first chargeback are calculated based off the Central Site Business Date (the processing date of the first presentment) and are usually 60, 90, or 120 days in duration. 4 4863 4837 5967 7995 6051 4829 MC Other Fraud-Card Absent Environment No cardholder authorization Cardholder does not recognize - Potential fraud This value indicates the cardholder was authenticated by the issuer withMost Common Chargeback Reason Codes #3: Order Significantly Not as Described. Others require banks to wait for a certain period before they can issue a chargeback. 1 Minimum Chargeback Amount; subsequent sections are renumbered In 6. , American Express, Discover, MasterCard, and Visa), there are 151 chargeback reason codes. Reason Code 2713. For example, some reason codes offer cardholders over a year to file. Be sure you understand the cardholder’s claim. REASON CODE 4863 REASON CODE 41 & REASON CODE 85: REVIEW YOUR BOOKKEEPING TO ENSURE THAT CANCELLATIONS AND REFUNDS ARE INITIATED IN A TIMELY. 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. for chargeback reason code 4863 (Cardholder Does Not Recognize). 4863: Cardholder Does Not Recognize—Potential Fraud: Cancelled products. As we touched on earlier, chargebacks can happen due to technical errors. The full removal of the functionality is planned for April The idea is that merchants and issuers can 2021. Doc Preview. M01 Chargeback Authorization. Reason Code: Numeric: Code for the chargeback request (see below). 0: Updated report version from 1. 1 chargeback: 1. Chargebacks are almost always initiated by customers, but businesses can request them as well (although this doesn’t happen often). Chargebacks may happen for a variety of reasons: the most common are returns of goods, cancelled services, quality disputes or processing errors, and fraud. Note : For message reason code 4863 (Cardholder Does Not Recognize—Potential Fraud),. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. Having heard from her, the bank decides to put a chargeback on the merchant under the Reason Code 4863: Cardholder doesn’t Recognize- Potential Fraud. For MasterCard reason code 4853, provide documentation to support that the chargeback is remedied or invalid through one of the following: The transaction was not a recurring. Reason Code 04. Cardholder Disputes. 4863: Cardholder Does Not Recognize—Potential Fraud: None: Fraud: 4870: Chip Liability Shift: None: Fraud: 4871: Chip/PIN Liability Shift: None: Fraud. 0. At their core, false declines are legitimate transactions that get blocked on the suspicion of fraud without any fraud actually occurring. When any Chargeback occurs, that will be identified by the specific code. MasterCard and Visa will rule in favor of the. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. You’ll want to carefully review all chargeback reason codes so you are familiar with. 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. By entering your email, you agree to receive marketing emails from Shopify. Include the scheme specific reason code, for example 4863 for `Cardholder does not recognize - Potential Fraud`. 3. 5. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. Pages 100+ Identified Q&As 7. Hi Evan, I believe the reason that UCAF transactions are proceeding to RC 4863 is because of this When rule in the RCA path. A chargeback is the potential outcome of a disputed credit or debit card transaction. There are several scenarios where a customer may reasonably expect a payment reversal. 2 Compliance CasesChargeback reason code. The third digit indicates the specific reason within that category. 4863 Cardholder does not recognize - potential fraud (US Only) 4870 Chip Liability Shift; 4871 Chip/PIN Liability Shift;for chargeback reason code 4863 (Cardholder Does Not Recognize). Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. A new 4 byte reason code will be used moving forward. 6. 1 = EMV-Liability Shift counterfeit. 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. 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. 3 Conditions. They may have returned an item, for example, or perhaps were billed for a service. 5. 2: EMV Liability Shift Non-Counterfeit Fraud: 10. 5. Chargeback-Verfahren. 02/10/16 Added Debit Chargeback Reason Codes. 3. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. The total volume in US dollars of Mastercard payments that result in fraudulent chargebacks (net fraud volume) calculated by dispute reason code (reason code 4837 and 4863) The fraud-count-to-transaction ratio (fraud chargeback rate) The ratio of 3DS Mastercard payments to all Mastercard payments1. Code Reason (for Visa) 10. The cardholder denies participating in the transaction you processed. Proof you have already refunded the transaction and credited the cardholder’s account. Updated August 23, 2023. High Level Visa Chargeback Dispute Flow. 13 Example 13—Message Reason Code 4863—Cardholder Does Not RecognizeReason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. Expedited Dispute Resolution forms will not be allowed. In this case, the cardholder doesn’t. Chip liability shift. Chargeback Reason Codes /. Credit card chargebacks occur when a customer has a chargeback dispute and decides to question a charge on their credit card statement with their Credit Card Company or issuing bank. section into chargeback reason code 4808 (Authorization-related Chargeback) as announced in the Global Operations Bulletin No. 5. Reverseau. Different card networks have different reason code systems. 4. Nearly 40% have seen call-center volumes jump 25 to 50%. Only an issuer can initiate the chargeback process. Point of Interactions Errors. 1: EMV Liability Shift Counterfeit Fraud: 10. Ethoca Eliminator is integrated into. It. For more information on reason codes, see Chargeback Guidelines. Transaction unauthorized make up 30% of all chargeback reason codes. Let’s say you got a Visa chargeback with reason code 13. Terms and conditions.