2. 3: Other Fraud — Card Present Environment: 10. These codes are established by the payment brands to categorize the incoming dispute requests by reason. Chargeback Reason Codes List for Visa. 0 as it does for 3-D Secure 1. About Mastercard chargeback reason codes. 1 EMV Liability Shift Counterfeit Fraud 81(3) 10. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. Another downside is that chargebacks on annual subscriptions. The shorthand description is “Goods/Services Damaged or Defective. The shorthand description is “Declined Authorization. Good news: Visa is working to improve the chargeback process by altering some of its rules regarding intentional cardholder misuse. 2 falls under the “Processing Errors” category. 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. With that process, the payment service provider directly credits a payment to the cardholder's account. In the case where goods or services are to be delivered, Cardholders can disputeAccording to G2, Authorize. 1. ©The following tables list Visa’s Reason Codes and time limits for processing a chargeback. A CVV2 code is a 3-digit code located on the back of a Visa credit, debit, or prepaid card. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. All of Visa’s existing reason codes were condensed into four key groupings: fraud, authorization errors, processing errors, and customer disputes. Updated Visa Reason Codes. The charge you submitted did not receive a valid authorization approval code for the amount of the charge. There are some exceptions on the cardholder’s side, though. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Products. This may affect dispute. Visa doesn’t publish a fee schedule as comprehensive as other networks, but there is usually a $10-50 fee per each chargeback. Visa has developed a list of best practices to be used until any new global rules go into effect. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. 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. Mastercard Chargeback Reason Code 73: Duplicate Transaction. Q. 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. Friendly fraud occurs when a customer accidentally or deliberately files a chargeback on a legitimate transaction, instead of trying to first obtain a refund from the merchant. Pre-arbitration will replace second chargebacks for the following reason codes:This is Visa’s list of high risk MCCs: 5962 - Direct Marketing—Travel-Related Arrangement Services;. In the case of reason code 11. 00 Approved and completed successfully; 01 Refer to. Chargeback Reason Code List - U. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. VISA 62 Counterfeit Transaction Fraud NO YES VISA 70 Card Recovery Bulletin or Exception FileReason Code 02. ” This code indicates the cardholder is claiming that the descriptions of the products or services they purchased were vague, inaccurate, or insufficient, and they feel. 3 Other Fraud – Card Present Environment 83(1) 10. People request chargebacks for all kinds of reasons—some sinister (like friendly fraud), some because the item they bought never arrived. 1. Type. 1 — EMV. Phase 4. Either the acquiring or issuing bank could initiate the. 1: The chargeback time limits may be altered if the resources were assumed to deliver after the execution time period of the payment also. 10/21/14 Updated Chargeback Time Frames: Added Reason Code 05; Addendum Reason Code PM; Changed TF time frame from 120 days to 540 days. Fortunately, all major credit card networks provide clear information regarding chargeback reason codes. Chargeback or a Request For Information (RFI) 2 The Scheme screens the chargeback, rejects it if issuer hasn’t met technical requirements for the reason code used, otherwise it is passed on to Worldpay (RFIs are usually passed on) 3 Worldpay receives Chargeback or Retrieval request or an RFI and notifies you via EMIS, WPG, or an alert fromRead the Chargeback Advice letter carefully. • For Visa Collaboration reason codes (RC 12. Time limits vary by card network and reason code, though, so you should look into the specific terms tied to the reason code. 5. Chargebacks911 can create a customized solution to fit your specific. Reason . Chargebacks911® offers the industry’s only data-driven, fully managed solution for chargebacks. 6. the transaction adjustment date for an ATM cash disbursement or PIN-authenticated debit transaction. Section 2: Card-Present Transactions: Requirements and best practices. This code applies when a transaction is not deposited within the timeframe designated by Visa (see chart below). Tollbooths and hotels, to use one. ”. many chargeback reason codes that exist today. American Express, Discover (and Diners Club International, which it owns) use a combination of numerals and letters. Now, 10. Select a tab to see the possible. This reason code is accompanied by a fraudulent reason code (UA). 4846. 13. Reason Code (Condition #) New Dispute Condition. ” This reason code indicates that the merchant processed a transaction using the wrong transaction code. The most common Visa Reason codes include 10. . A list of key Visa policies for merchants is also included. 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. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. Visa Chargeback Reason Code 10. Below is a list of all the major reason codes you will see from chargebacks resulting from criminal fraud, friendly fraud or merchant error. So, at this juncture, we join our clients on conference calls with the banks to explain the reasons why the chargeback should be approved, citing chapter and verse to justify our position. Obtain your complete guide toward and new Visa reason codes, including all the detailed information, chargeback type limits, and other important informations you necessity. 1 – CBK: Late Presentment 12. The new codes, which can be found in our reason code guide, start with a two-digit number indicating which of Visa's four dispute categories it falls into: 10 — Fraud; 11 — Authorization; 12 — Processing Errors; 13 — Consumer Disputes; The Visa Claims. #5: Excessive FraudChargeback 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 TRRFriendly fraud. Friendly fraud was actually the #1 fraud threat concerning merchants in 2021. Chapter 4: American Express Chargeback Reason Codes. The first two digits indicate which category the reason code falls under:. 7 — Cancelled Merchandise/Services. For your reference, here's a list of chargeback reason codes for Visa, Mastercard, Discover, and Amex. The shorthand description is “Card Recovery Bulletin. 7. Some of the reasons why the order did not reach the cardholder can be as follows: The merchant did not provide the services;Visa Dispute Reason Codes. In these summary reports, each Chargeback. The key is finding the right partner. This should include notation that indicates the specific reason for the chargeback. Reason Codes Category 4: Processing Errors. Mastercard Reason Code 4807 – Warning Bulletin File chargebacks should be filed under code 4808. Note the. There are plenty of reasons as to why this would happen, hence the many. Non-Receipt of Information Chargeback Reasons. 30 (1) 13. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. Visa Chargeback Reason Codes In Effect April 2018. Disputes related to Chargeback Reason Code 93, “Merchant Fraud Performance Program”, are excluded from program monitoring. With VCR regulations, the risk of breaching fraud-to-sales thresholds increases. Fortunately, all major credit card networks provide clear information regarding chargeback reason codes. The goal is to reduce ‘friendly’ fraud chargebacks, helping sellers protect more of their hard-earned revenue. Which fraud reason codes will be included in EMV Liability Shift? How are Lost/Stolen transactions affected? A. 3 applies when a cardholder claims a charge—made in a card-present environment—was. chargebacks, even on cases where you accept liability. Visa Chargeback Reason Code 13. Reason Code 02: Common Point of Purchase: Account data is stolen from the card-present merchant and used with other merchants. Additionally, the corresponding fraud report must be accurately identified as Fraud Type 4—Counterfeit, and acquirers have a representment right if the fraudCharge-back Reason Codes VISA ® 10. The fact that this reason code lumps together three different possible causes can make it extremely confusing. message. As you dive into a reason. Chargeback Reason Codes List for Visa. Thanks for following the Chargeback Gurus blog. 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. 3. 1 — EMV Liability Shift Counterfeit Fraud; Visa Chargeback Reason Code 10. Discover. 2, it’s simple and straight-forward: The merchant attempts in any way to force, circumvent, or override a declined authorization. If the cardholder provides a sufficient explanation, the issuer may choose not to reverse the chargeback. The issuer will also claw back the disputed amount from the acquirer. As you can see above, VISA breaks things down in a manner that helps banks and merchants alike know exactly why a chargeback was initiated. Credit Posted as a Purchase chargebacks, for example, at. 2: Canceled Recurring Transaction, is used when a cardholder claims a recurring transaction was processed illegitimately. Visa Chargeback Reason Codes: List & Tips for Merchants REASON CODE CATEGORIES Fraud 10. Section 7: Chargeback Reason Codes: Detailed information on the reason codes for the most common types of chargebacks that merchants receive . 3 Changed Discover Reason Codes to match what is shown in the UI. Accessed October 31, 2022. Reason Code 80: Incorrect Transaction Amount or Account. Exceptions to Visa Chargeback Time Limits. Expedited Dispute Resolution forms will not be allowed. Merchant processed transaction below floor limit without authorization. F02. The fact is, that this type of reason code is typically harder to fight than other types of chargebacks. 1: Merchandise/services not received Visa uses this reason code when a customer claims they didn’t receive the goods or services they ordered from your business. Discover: Reason Code 4755 Non-receipts of goods or services. Reason codes vary by card brand. Clearly differentiate between card-present and card-absent transactions by noting mail. 10. 3:The following tables show the Stripe categories for each card network’s dispute reason codes. 6 – Credit Not Processed. Retrieval Request/ Copy request Reason Codes. Summary of Changes, 13 December 2018About Visa chargeback reason codes. 1? Visa chargeback reason code 11. Visa Chargeback Reason Codes;. ; This chargeback can be. 0 initiative to update compelling evidence requirements for dispute reason code 10. Which is meant to know the reason for the dispute. Chargebacks. 7? Visa chargeback reason code 12. Visa has four different common codes for fraud and nine for consumer disputes. This code is unique—at least currently—in that Visa has since split it into two separate categories: 12. Thus, the easiest way to prevent chargeback reason code 75 from being. 196message. Chargeback Reason Code 62—Counterfeit fraud pertains to the EMV liability shift. Visa chargeback reason code 12. VISA. Go to Midigator®. From mid April 2023, Visa will enforce the Visa Compelling Evidence 3. Visa’s fraud reason codes list dispute reasons from 10. ” This code indicates that the cardholder claims the merchant processed a recurring billing transaction after they had submitted a cancellation request or. If a merchant responds to a chargeback in full compliance with the initiative guidelines, Visa guarantees the chargeback will be overturned. 4808: This code can refer to: Account Number Not on File. The shorthand description is “Counterfeit Transaction. 0 rule changes take effect. Company. Chargebacks may otherwise be rejected for a variety of reasons. 1 – Other Fraud – Card Recovery Bulletin 11. 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. Discover: Reason Code 4755 Non-receipt of goods or services. 1 EMV Liability Shift Counterfeit Fraud 81(3) 10. Visa’s Reason Codes follow a format of two digits, a period, and a third digit. About Visa chargeback reason codes. Next to Standard webhook select the edit webhook icon . For a full list of the new Visa chargeback reason codes and their corresponding dispute categories, please visit the Moneris chargebacks page. S. Removed these Discover Chargeback Codes: AL, CA, IC, IS, NC, SV, U03, UNR. The Complete Chargeback Reason Codes List. © Visa chargeback reason codes, for example, are numerals with decimals. What Are Chargeback Reason Codes? Chargeback reason codes are a set of numbers and letters indicating why a. 2 Cancelled Recurring Transaction. CHARGEBACK REASON CODESTo avoid redundancy and confusion, we’ll use Visa’s chargeback reason codes as an example. 1, which covers duplicate processing errors, and 12. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. 2 – CBK: Incorrect Transaction CodeMasterCard chargeback reason code 4540. The implication is that the merchant failed to deliver the goods or services, but this reason. 0 standard that has specific defense requirements for chargebacks with this reason code. The shorthand description is “Invalid Data. Without 3D Secure Liability shift, it is difficult to challenge the dispute. Under Visa’s previous chargeback rules, merchants could contest a reason code 10. American Express: Reason Code C08 Goods or services. A WORD OF WARNING: MATCH reason codes are not the same as chargeback reason codes. In simple terms, an Electronic Commerce Indicator (ECI) is basically a 3-D Secure response code. 5 Removed unused Visa (60) and Discover (4580) Chargeback Codes Added Section 1. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Use this guide as a quick resource for Visa chargeback reasons at a glance. Chargeback reason encrypted were created to standardize the list of acceptable reasons why a bank may file a credit card chargeback or debit chargeback on their customer’s behalf. 1. With the overhaul of their reason code system, Visa divided reason. This list was generated 5/4/2022. Every merchant is subject to chargebacks, but your MCC can be a significant factor in what chargeback reason codes can be used against you and what compelling evidence can be used to fight them. Reason code 13. Chapter 5: Mastercard Chargeback. Now, compliance cases must be submitted through Visa Resolve Online (VROL). Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. 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. For example, reason code 10. The Visa chargeback reason codes regelung gone adenine major recondition in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. 7 – Cancelled Merchandise / Services. The following Visa chargeback code maps are organized by category, as defined by Visa. Other Programs to Know About. Visa has responded by creating Compelling Evidence 3. Whenever a card used in a transaction is declined, the sale should be terminated. Mastercard has plans to follow suit. This code was phased out under the Visa Claims Resolution initiative. SECOND_CHARGEBACK. the Airline cancelled the original ticket; That credit for duplicate charges was completed or multiple<br />. Issuers will not have the ability to submit lost/stolen fraud chargebacks for chip-on-chip (contact or contactless) AFD transactions. Phase 3. Learn more about chargeback reason codes here: Chargeback Reason Codes: List & Tips for Merchants Acquirer Use of Message Reason Code 7623. 1 is an updated version of legacy reason code 74, which was phased out under the Visa Claims Resolution initiative. You can find the meaning of their response codes by looking them up directly on the Visa and Mastercard developer center pages. In order to limit incoming disputes, Visa’s subscription rules affect the following:• Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Reason Code 53 Re-presentment Conditions. The newer system is designed to. Message. . These codes tell you why the transaction is disputed. At Visa they used to receive reason code 98. PCI DSS v3. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. Visa Chargeback Reason Code 13. 4854 Cardholder Dispute—Not Elsewhere Classified (U. The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason. 0. 1 falls under the “Processing Errors” category. When one cardholder initiates a dispute with their issuing bank, a. 1 falls under the “Authorization” category. CE 3. See the charts below for the full listing. In these situations, a merchant’s billing descriptor is simply not recognized by the customer. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. 2, which specifically deals with transactions billed by other means. 4: Fraud—Card-Absent Environment. 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. There are several types of Mastercard chargeback reason codes, each with its own unique set of circumstances. Learn about chargeback reason codes. Below is a list of chargeback reason codes from all of the following credit card networks: Visa Chargeback Codes Mastercard Chargeback Codes American. 5 and, more or less, associate the dispute with an issue related to a stolen credit card. 1:Reason codes are alphanumeric codes that provide the justification for granting a chargeback. We combine advanced, proprietary machine learning with human expertise, developing customized strategies to manage chargebacks and fraud. 3 No AuthorizationChargeback reason code 11. F01. Let’s explore chargeback reason codes from the four leading credit card brands in the United States: Visa, Discover, Mastercard, and American Express. 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 created by the major. This standard only applies to chargebacks with Visa reason code 10. American Express. The situation described by Visa chargeback reason code 13. 2: Declined Authorization: 11. Visa chargeback reason code 62 falls under the “Fraud” category. 1: EMV Liability Shift Counterfeit Fraud: 10. For each reason code, a definition isSome costs come directly from Visa and are set by the network. This code applies when customers claim they never received the merchandise or services they purchased. Here the payment service provider is pulling funds from the cardholder. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. 4: Other Fraud — Card Absent Environment: 10. Request for Information. Only an issuer can initiate the chargeback process. ”. Both AFTs and OCTs are often used in concert with one another. Mastercard Chargeback Reason Code 70: Chip Liability Shift. American Express chargeback reason code C42. A chargeback reason code is a 2-to-4-digit alphanumeric code given by the issuing bank tangled in a chargeback. eCommerce grew too fast for the payments industry to respond. Laundering: The merchant carried out transactions without a legitimate cardholder’s involvement. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature)Mastercard only counts card-not-present, eCommerce transactions for which a chargeback is filed using reason code 4837 (“No Cardholder Authorization”). Stripe Category. This code applies when valid authorization for a transaction. We know the reason codes and chargeback guidelines. Reason Code 03. The same is true of all chargeback reason codes. Chargeback . For a more detailed explanation, as well as a list of Visa’s individual codes, please refer to our guide on chargeback reason codes . Using our e-commerce fraud prevention tools, we help lower friendly fraud costs and chargeback rates, but also reduce gift card and coupon abuse, and promote secure login authentication. This chargeback reason code was retired by Visa in April 2018. When a chargeback is filed, a bank selects the code that best fits the reason a chargeback was filed. How Visa CE 3. Under reason code 85, the minimum transaction amount required to initiate chargeback should be at least $25. Visa chargeback reason code 75 is filed as an honest mistake. The CTR is the number of Visa chargebacks received by the Acquirer for a Merchant in a calendar month divided by the number of the Merchant’s Visa sales Transactions in the same month acquired by that Acquirer. 5 Proven Tactics to Win Chargebacks as a Merchant. 5 falls under the “Consumer Disputes” category. Mastercard: Reason Code 4859 Service not rendered. In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Claims Resolution. Reason codes are very crucial to assist. ” This reason indicates a merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, but submitted the. Code Description; 10. 1 - Card Recovery Bulletin; 11. Reason Code 03: Laundering: The merchant processed transactions that did not involve a bona fide cardholder. Chargebacks. Now, compliance cases go through Visa Resolve Online (VROL). ”. What is a reason code? 3. st comply, to help ensure the security of confidential cardholder information. Code 12. The case will be removed from the Chargeback Queue Worklist and your ‘accept’A list of key Visa policies for merchants is also included . Explanation. 9), the acquirer has 24 days to respond to the. A blacklist is much like blocking a number on your phone. It covers topics such as chargeback rights, time frames, reason codes, arbitration and compliance. The shorthand description is “Misrepresentation. Multiple fees can be attached to each claim, and they add up quickly. Chargeback Analyst, you can make informed decisions about which Chargebacks to dispute and how to do so successfully. Visa chargeback reason codes, for example, are numerals with decimals. Visa Chargeback Reason Codes. 2 Other Fraud – Card Present Environment 81(1) 10. Discover: Reason Code 4755 Non-receipts of goods or services. 1 Quick Reference Lead. For perspective, the next highest. Survey data from the 2019 Chargeback Field Report found that 82% of merchants surveyed believed that the Visa Claims Resolution process had “little to no impact on chargeback management. The Authorization chargeback reason codings system underwent a major overhaul on April 2018 as part of their new Visa Claims Decision (VCR) initiative. 13. As mentioned earlier, the given reason for a chargeback may be far different from the actual reason. 2. Code. Reason Code 04: Excessive Chargebacks: The merchant breached predetermined chargeback thresholds: Reason Code 05: Excessive Fraud: The merchant breached predetermined fraud-to-sales dollar volume thresholds: Reason Code 06: Currently unused--Reason Code 07: Fraud Conviction: One of the business's owners. Each chargeback comes with a code that designates the reason it was filed. Visa, for example, has reason codes: 11. Despite this being considered sufficient proof to reverse the chargeback, issuers occasionally rejected the claims, leaving the merchant liable for the. Again, banks should not really be using 4807. Transaction was approved by the Issuer knowing that the authentication data failed verification and was not reliable. Visa chargeback Reason code 85 is applied when issuing bank gets a notice from card owner that merchandise was return, but merchant hasn’t refunded, and credit hasn’t appeared on bank statement. Less than 20% of merchants noted a slight decline in Visa chargebacks after VCR, while over 55% reported no decline in chargebacks. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. For example, 10. Below is a comprehensive list of the most common Mastercard chargeback reason codes and their explanations, along with prevention strategies you can implement to reduce the likelihood of chargebacks. Fraud Reason Codes Current Reason Code New VCR Reason Code 62(2) 10. Chargeback Code Chargeback Reason; 10. The shorthand description is “Declined Authorization. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. Cardholder can dispute transaction up until Day 90 for reason code 4808 on MasterCard (see Appendix for details), Day 60 for reason codes 4801 and 4802 (see Appendix for details). Card Sub-Type ISO Country Codes Benchmark Currency Codes Currency Codes Action Code (actionCode) - UPDATED ACTION CODE - OLD Point Of Service Data. Paymentology will submit the chargeback using the appropriate chargeback reason code . 13. Step 04 | Chargeback Transmitted to Acquirer. Section 2: Card-Present Transactions: Requirements and best practices. For. An Independent Sales Organization, or ISO, is a specialized third-party company that sells and manages credit card processing services outside of a bank or other financial institution. Visa Chargeback Reason Code 85. This might mean that the merchant submitted a batch of. Mastercard has the second largest payment network in the world after Visa. Condition 13. PDF 39 KB June 16, 2010. Visa Credit Card Dispute Process. That definition is pretty broad and vague on its own, though. This chargeback occurs when merchants do not adequately provide currency information. The shorthand description is “Warning Bulletin File. 4: Other Fraud – Card-Absent Environment in April 2023, in an effort to lower the rate of friendly fraud. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). If using any other currency than this, it should be equivalent to the specified amount. Some of these reason codes are specifically designated to apply to authorization-related issues. Chargeback reason codes vary but it all means the same thing - refund. Chargeback Reason Code Quick Reference Guide. Code Category Description; 10. Card Recovery Bulletin Authorization Visa Code: 11. This entity is known as the acquirer). 1 – CBK: EMV Liability Shift Counterfeit Fraud 10. Invalid Reasons for a DisputeThe 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. 4870 – Chip Liability Shift. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. Friendly fraud. 7 (previously legacy reason code 85, condition 2) is part of the updated version reason codes that were phased out under the Visa Claims Resolution initiative. Chargeback reason code 10. . FR6 Partial Immediate Chargeback Program. 1 is an updated version of legacy reason code 30, which was phased out under the Visa Claims Resolution initiative. Compelling Evidence 3.