El Paso, TX 79998 FAX. This law did not. Chargeback Accounting. 4 chargebacks? Merchants can fight code 13. Through it, authorized users can look up transaction and cardholder details, along with other data for each dispute. they provided their credit or debit card details to a supplier of goods and services (usually over the phone or online), which the supplier used in a way the customer didn’t expect or authorise they asked their card issuer to refund them (through the ‘chargeback’ process) for an incorrect card transaction, but the card issuer hasn’t. Merchants can fight chargebacks through a process called representment. Square offers magnetic stripe, chip, and contactless card readers for accepting payments via debit and credit cards, Google Pay, Apple Pay, and QR code payments. Discover Chargeback Reason Codes Explained. The credit card company then debits the merchant’s account for the disrupted amount. Visa chargeback reason Code 10. The deadline for a Chase Bank customer to dispute a transaction is 60 days. 4853 – Cardholder Dispute – Credit Not Processed. 51 - Insufficient Funds. Be transparent about your products. Common reasons for disputes include:Visa Reason Code 13. How can merchants fight code 12. Merchant time limits have only one exception: if either party wants to escalate a dispute to arbitration, they must do so within 10 days. This tool is designed to aid in dispute resolution. Chargeback. 65 - Withdrawal limit exceeded: The transaction would exceed the. Chargeback fees are not based on the cost of the initial transaction, and they’re imposed by the bank. Additionally, there are instances when the AVS code does not apply to one credit card brand but does apply to another. The “Cardholder Number” is the series of digits used to identify the cardholder, issuer and card brand. 1 chargebacks? The acquirer or merchant has 30 days to respond to a chargeback filed under reason code 12. Visa - 10. Overdrafts also can damage your credit. These rights to revoke, charge back, and obtain refund terminate if and when a settlement for the item received by the bank is or becomes final. After. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Goods/Services Not Received or Only Partially Received. PayPal is one of the world’s largest and most recognizable payment companies. 1 Card Recovery Bulletin or Exception File. If they rule against the retailer, funds are returned to the cardholder. 6. It applies when a cardholder participated in an ATM cash withdrawal, but. Sometimes, eBay may determine on their own that a chargeback is invalid and dispute it regardless of the seller’s instructions, but when they do this the dispute fee is waived. 10. Step 4: Card Network Collects Dispute Information. From a merchant’s perspective, the greatest asset offered by 3DS is protection against liability in the event of fraud. 2. Most such requests are made to. Per your agreement with American Express, when you give a refund for a purchase made with the card, you must credit that card account. RuPay Card holder Dispute Chargeback Reason Codes: 1) Retrieval Request Reasons and Reason Codes. MasterCard: Reason Code 4859 Services not rendered. What causes code 10. Although they. Some credit card companies also include a short phrase describing the code and chargeback. The only exception is when the 15-days period exceeds the chargeback filing deadline. The credit card issuer—which could be their bank, Visa, Discover, Mastercard or American Express—will then assign a reason code to the chargeback claim. Under U. 11, 16 NovemberChargeback Reason Codes. 3 applies when a cardholder claims a charge—made in a card-present environment—was. facebook. In simple terms, a payment reversal is just what it sounds like: a reversal of a previous payment, most often referring to a credit card transaction. The Fair Credit Billing Act (FCBA) of 1974 created chargebacks. 20 days to present evidence proving chargeback is illegitimate. Oct 17, 2022Chargeback Code 83. 3: No Authorization 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 transaction by filing a chargeback. The merchant may be required to provide evidence the charge was legitimate in order to receive a reversal of the chargeback. The second is friendly fraud, where a cardholder falsely claims a legitimate charge was unauthorized. M01 Chargeback Authorization. Visa has its own set of chargeback reason codes. The credit card number used for a sale is not assigned to a valid account or cardholder. Start your 3-day free trial today! Try Shopify free for 3 days, no credit card required. AMERICAN EPRESS CARGEBACK CODES 6 REASON CODE 4513 Credit Not Presented Chargeback Reason Any of the following reasons: 1. 2 Declined Authorization. If a merchant runs into chargebacks throughout their business, everyone knows that it happens. Even if a merchant disputes a chargeback and wins, it still counts against their ratio. Will fluctuate depending on the claim The cardholder may also initiate this chargeback up to 365 days from the ordering date for the credit card transaction, Debit Card Transactions and Prepaid Identity Known Card Transactions. It was originally one of several possible scenarios covered by legacy Visa reason code 83. Discover is a credit card network and an issuing bank—just like 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. This is the name of the business responsible for the charge; often a shortened, yet still recognizable version of the “doing business as” (or “DBA”) name. Instead, the issuer withdraws the money from the merchant's. Canada reached $11. If a quick scan of your letter. The cost of payment. You won’t be. When the cardholder’s card is swiped or their chip is inserted into your EMV reader. However, card networks sometimes tailor these codes to better fit their specific needs. 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. The acquirer or merchant has 30 days to respond to a chargeback filed under reason code 13. 1, which covers duplicate processing errors, and 12. Credit card receipts contain key information about credit card purchases such as the name of the merchant and the date, time and amount of a transaction. You can also view your latest chargebacks. Canceled Recurring Billing. A chargeback is an action taken by a bank to reverse a payment and trigger a dispute resolution process. The Visa chargeback process is broken into phases. There are many reasons a consumer may file a return item chargeback. (833) 622-7283 Contact Us. 0, the data will be more accurate. The cardholder claimed. How a Credit Card Chargeback Affects Your Business. A dispute or chargeback retrieval request is a request from a cardholder to the card issuer for a copy of the original transaction receipt. . When they do, you’ll be given an. P04 — Charge. Address Verification Service response codes are returned by the credit card issuer in response to each AVS verification request. 4: Counterfeit Merchandise. Common reasons for disputes include: Visa Reason Code 13. Chargeback. 4 applies when a cardholder disputes a credit card charge made in a card-not-present environment. 2 Other Fraud – Card Present Environment 81(1) 10. Cardholders have the right to dispute part of a charge on. Under certain circumstances, Mastercard may allow consumers to reverse a payment card transaction by filing a. Fortunately, all major credit card networks. Authorization reversals, refunds, and chargebacks are all forms of payment reversals. • Section 4: Chargeback Reason Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive. The exact time frame will vary based on factors such as the reason code or the card network. Most commonly the payer is a consumer. Discover provides a dashboard called the Discover Network Dispute System. If you’ve received a credit card chargeback, Wave will contact you by email to notify you and provide details of your case, including the reason for the chargeback. 3 No Authorization. How can merchants fight code 4837 chargebacks? Merchants can fight code 4837 chargebacks by providing evidence that the charge was authorized, such as signed delivery confirmation or records showing the cardholder downloaded or used a digital purchase. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. 461 trillion in purchase volume in 2021. This is the name of the business responsible for the charge; often a shortened, yet still recognizable version of the “doing business as” (or “DBA”) name. Updated Oct 23, 2023. Of course, many banks offer “zero. ’ Well, what is it exactly? With Visa CE 3. A standard billing descriptor may include the merchant’s name. Fines exceeding $10,000 can also be levied against businesses where monthly chargeback rates go over a certain number. Retrieval Request/ Copy request Reason Codes. The cardholder claimed they didn’t receive the goods or services or only partially received the. Depending on the reason code, issuing bank, and credit card network, the entire. 4 Fraud – Card-Absent Environment. This code indicates that the merchant sent an authorization approval request for a transaction, received a “Decline” or “Pick Up Card” response, and submitted the transaction anyway. 10. 10. Specifically, the FBCA grants consumers the right to dispute such charges and caps their liability at $50. Start your 3-day free trial today! Try Shopify free for 3 days, no credit card required. The first is true fraud, where someone used stolen credit card or account information to make a purchase. app@chargebackexpertz. Even if a merchant disputes a chargeback and wins, it still counts against their ratio. For each reason code, a definition is The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Buyers and sellers trust Paypal because of its reputation for security and its. When Amazon Pay receives a chargeback claim, we email information to you about the chargeback, including the order number and the amount of the chargeback claim. They help categorize cardholder disputes and determine next steps, and they vary by card network. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. Thanks for following the Chargeback Gurus blog. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 265. 2 Chargebacks: Prevention and Response. So if you've paid for something on your debit card or for something on your credit. Chargeback reason codes are alphanumeric strings of digits created by the four card networks – Visa, Mastercard, American Express, and Discover – that help you. Card Member Dispute. But first, here are the two most common types of consumer chargeback fraud. ” Improving the chargeback system will be helpful to acquirers, not just merchants. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. What is Visa Reason Code 11. Learn which strategies to use as you fight and prevent consumer disputes by reason code. Here are some common chargeback scenarios often reported: 1. MCCs are assigned to merchants by credit card issuers. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). The chargeback reason code; The transaction amount and the chargeback amount; The action(s) already completed by the acquirer; The deadline for submitting representment documents;. A02 No Valid Authorization. Visa has four dispute categories, and a reason code from one of these four categories must be attached to each claim:. The chargeback process has been around for decades. The card networks know that most chargebacks represent negative customer experiences that can shake consumer confidence in the credit card payment system as a whole. As both a card network and an issuer, Discover specifies 26 reason codes under the categories of. Let’s look at the normal process of a chargeback: 1. Remember: A PayPal transaction dispute is an internal matter between two PayPal users, and a PayPal claim is handled by the company directly. Chargeback Reason Codes. 54 - Expired Card. Amex uses the same four main categories as Visa to organize its reason codes: Authorization, Card Member Disputes (which Visa refers to as Consumer Disputes), Fraud, and Processing Errors. 2022 Visa Chargeback. If they lose, the funds are taken away and the seller is charged a $20 dispute fee. The only resource you need to become an expert on chargebacks, customer. Card Member cancelled, refused or returned goods and/or services A chargeback is a return of money to a payer of a transaction, especially a credit card transaction. 6. This category of fraudulent chargeback claims is represented with the following reason codes: AMEX - F29 Card Not Present. 9 is slightly narrower in scope. Merchants need to understand the unique chargeback processes for each. You literally “re-present” the transaction to the bank and card network, along with evidence to support your claim. In broad terms, representment refers to the process of fighting a chargeback. Unfortunately, true fraud is not the only cause of chargebacks. The Credit Card Company; The credit card company is the organization that owns and supplies the credit card. It’s a process, one that can be lengthy and convoluted for all parties involved. Chargeback reason code 13. Friendly fraud. Credit Card Chargeback Time Constraints. Blog Read helpful tips, industry insights, and articles to create the most effective chargeback management strategy. 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. This guide shares an overview of chargebacks, how the dispute process works, and how to prevent them in your online store. The cardholder claimed they didn’t receive the goods or services or only partially received the order. Learn More about Discover Chargeback Reason Code NC: Not Classified A chargeback is a safety net designed for cardholder’s security. You can request a chargeback from the bank that issued the card If: The transaction was unauthorized. For a debit card, the fraud liability is $500 if reported within 60 days. The issuing bank received a claim from the cardholder, acknowledging that he or she participated in at least one. The American Express chargeback process begins with Amex issuing a chargeback, along with a reason code to explain the dispute to the merchant. Will fluctuate depending on the claim The cardholder may also initiate this chargeback up to 365 days from the ordering date for the credit card transaction, Debit Card Transactions and Prepaid Identity Known Card Transactions. 51 - Insufficient Funds. Chargeback fraud isn’t only a risk to the merchant. eCommerce grew too fast for the payments industry to respond. Merchants can sell in-person, online, over the phone, or out in the field. A Visa chargeback is a process by which a Visa cardholder disputes a transaction and requests a refund from the merchant through their issuing bank. They can go much higher, though, especially if your business is considered “high risk. Retrieval Request/ Copy request Reason Codes. A chargeback occurs when a customer disputes a charge from your business on their credit or debit card. Follow these links to learn more about the chargeback reason codes from each credit card company:. Chargebacks occur when a customer disputes a transaction with their credit card issuer, and the funds are returned to the customer. This primarily depends on the chargeback codes related to the dispute. We have issued a chargeback for a portion of theunauthorized submitted charge. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. A chargeback occurs when a customer questions a credit card transaction and asks their bank to reverse it. 4. The chargeback filing period for cardholders is usually 120 days. and Lisa Anthony. 65 - Exceeds Withdrawal Frequency Limit. A credit card chargeback is a bank-initiated payment reversal for a credit card purchase. The authorized transaction was for goods or services that the merchant did not deliver as per a contract, receipt, or some other written. 3. What is the chargeback reason code? The reason code is an alphanumeric 2 to 4-digit code provided by the issuing bank that identifies the reason for the dispute. It established that consumers are not obligated to pay for billing errors, unauthorized transactions, defective or missing goods, or fraudulent charges. FR6 Partial Immediate Chargeback Program. This transaction arises when an unauthorised person uses your card without permission to make an online, telephone or mail order purchase. A chargeback isn’t just a single event. 86% of chargebacks are probable cases of ‘friendly fraud. The list of situations that may warrant a chargeback is broken down into designated “reason codes. This chargeback may be reversed if you can supply an imprinted or swiped sales draft signed. The claim the cardholder is making here is that they did not authorize the transaction and are alleging their card was used fraudulently or that the merchant pushed a transaction through without. In 2020, Visa owned about 50% of the credit card market share in the United States alone. This extra step can be frustrating for Card Members and lead to lost sales. ” Improving the chargeback system will be helpful to acquirers, not just merchants. You can learn more about each one by vising their VISA Chargeback Management Guidelines resource. They may sometimes be referred to as Issuer Identification Numbers (IIN). It’s been a problem as long as credit cards themselves have existed. 1003 - Transaction Supporting Document (TSD) needed. Your comprehensive guide to chargeback reason codes, transaction modifiers, time limits, and compelling evidence for the four major card brands. Get your complete guide to Amex reason codes, including all the detailed information, chargeback time limits, and other important information you need. C08. A08 Authorization Approval Expired. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case Filing Incorporated the changes announced in “AN 1677—Revised Standards—Questionable Merchant Activity Chargebacks” that included removing certain restrictions from. If they rule against the retailer, funds are returned to the. Each of the major card brands, including Visa,. have experienced credit card fraud, and more than a third of all cardholders have been victimized by card fraud more than once. After the chargeback is initiated, the merchant will usually have between 7 and 21 days to respond with evidence. BINs are placed at the beginning of the card number, after the first digit, which is called. Feb 10, 2022Chargeback Reason Codes. In short: yes. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate. Chargeback Reason Codes > Chip Liability Shift > Issuer Chargeback > Chip Liability Shift Program for Domestic and Intraregional Transactions Chapter 5—Compliance Case. The merchant failed to ship the merchandise by the promised delivery date/time. 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. Next, the issuer passes along all information about the dispute, including the chargeback reason code, to the card network. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. Chargeback fees are assessed by acquirers and processors, so they can vary. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. According to my company's 2018 State of Chargebacks report, 28% of all merchants identified friendly fraud as their most common source of chargebacks, second only to card-not-present (criminal) fraud. With each chargeback, the customer’s bank specifies a reason code. In cases of credit card fraud, the cardholder’s liability is limited to no more than $50. While the risk of chargebacks may elevate your financial exposure, processing credit card payments is more critical than ever. Top chargeback fraud statistics. Credit cards, clocks, calendars and include numbers - 02, 01, 03, 21, 04, 24, 26, 30, 27, 29, 25, 28. Here’s how they work. This code indicates whether the billing address information provided by the customer matches the information on file with. Reason codes vary by bank networks (card association), but fall into four general categories: 1. The bank files a second chargeback based on new information from the cardholder or because of a change to the chargeback code. purchase receipts, account statements, written communication or cancellation of a direct debit). 623-444-3000 For fraud related disputes: (Overnight/Signature Required):Chargeback reason code: A standardized code that indicates the reason a charge was disputed and a chargeback occurred. Card Member received written acknowledgement from the Merchant for a Credit, but the Credit has not been applied to the Card Member’s Account. This factsheet provides information about COVID-19 and chargebacks, including:The most comprehensive guide to chargeback reason codes. Fill out a chargeback or dispute form. For example, gambling and direct marketing transactions. 4 chargebacks. In the distribution. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. Description. Transaction unauthorized make up 30% of all. 51 Pleasant St # 1072, Malden, MA 02148 +1 (888) 901-8653. The situation described by Visa chargeback reason code 13. Each card company has its. 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. There are several different methods for obtaining a credit card payment reversal. 5 Visa Fraud Monitoring Program Authorization Reason CodesThe issuing bank assigns each case a code according to the consumer’s claim, and the merchant must adhere to the time limits for that specific code. About 127 million people in the U. Visa, Mastercard, Discover and American Express all have unique chargeback reason codes. If the CID doesn’t match, merchants generally prompt the Card Member to re-enter it. When a customer files a credit card chargeback, a reason code will be supplied that explains the cause. When a chargeback happens, the bank withholds or withdraws funds from. This chargeback occurs when the cardholder does not recognize the transaction on their credit card statement. † Make sure the credit card presented is valid. About 127 million people in the U. Different networks may have different takes on what a merchant’s “primary” service or product line is, which means that a merchant can. Take the time to note the following dispute reason codes for Visa. Therefore, you should understand credit card chargeback merchant rights to ensure you protect your business from chargeback frauds whenever possible. accept responsibility for a charge on their credit card, or the issuing bank doesn’t receive an authorization approval code, for example. 2023-09-07. Chargebacks. 1 chargebacks if the charge was processed before the applicable deadline or if the cardholder has already been. Chargeback Guide - Mastercard. Chargeback Code Chargeback Reason; 10. Visa Reason Code 10. Visa chargeback codes explained. For example, if there was a scheduled delivery date for the order, then the timeframe starts on that date. Just like chargeback reason codes, each credit card brand has its own system of AVS codes. Credit Not Processed Applies to Reason Codes. government. S. Sift’s Visa chargeback reason code guide features every single Visa reason code, its description, expert insights, and real world examples. 800. “It’s a lot tougher with Mastercard because they only use four main codes. A chargeback is a reversal of funds after a customer has disputed a transaction with their credit card company. 2: EMV Liability Shift Non-Counterfeit Fraud Visa Chargeback Code. Code. The chargeback scheme is a body of practices built up. 0: 3DS2 is the technology behind automated fraud detection programs that compare over 100 data points to verify the buyer as the. Post Views: 1,028. This is a common mistake when processing a reversal. 1 chargebacks? Merchants can fight code 12. The issuer assigns a reason code to the chargeback. 40 C08 Goods/services not received. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. 75 - Transaction not Recognized. Generally, chargebacks occur between a merchant and a credit card issuing bank or a. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The credit card issuer—which could be their bank, Visa, Discover, Mastercard, or American Express—will then assign a reason code to the chargeback claim. When a merchant receives an invalid chargeback, they can fight it by representing the charge along with the evidence that proves the transaction was carried out properly. In the style of Salvador Dali, Pops of red and teal. It’s crucial that you recognize the common merchant errors that might trigger a reason code 13. Chargeback Reason. The owner of the credit card realizes it was stolen and reports the fraudulent. AT Authorization Noncompliance. We say the given reason because it may or may not reflect the true reason. It also you to upload evidence to fight a Discover chargeback. The cost of chargebacks is said to rise to $117. Each card company has its own set of codes that indicate the specific reason that a cardholder initiated a dispute. What are reason codes?. A credit card authorization code is an alphanumeric code, typically between 2-6 figures long, meant to indicate whether or not a credit card transaction has been approved. The card company will then review the chargeback request – Every chargeback request should have a reason code . Most commonly the payer is a consumer. federal Mail Fraud and Wire Fraud laws, fraudsters face the possibility of time in jail. The chargeback scheme is a process that permits cardholders to challenge credit and debit card transactions. . Visa chargeback codes explained. What Are the Time Limits for Mastercard Chargeback Arbitration? Starting from the date the chargeback representment was filed, issuing banks have 45 calendar days to file a pre-arbitration. 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. Despite the reason for a chargeback, it means that as a merchant you don’t get paid for the goods and. Description. It can range from 60 to 120 days from the billing date. Too many fines and the retailer may be labeled as “high risk” by credit card companies and even lose credit card processing privileges or be hit with higher chargeback fees and penalties. FR2 Fraud Full Recourse Program. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 14 - Invalid Card Number. Merchants in the credit repair industry can fight chargebacks by keeping thorough records, including signed service agreements, invoices, receipts, and records of any communication with customers. 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. 6. Every credit card company has its own unique set of reason codes, which can get confusing for merchants. This means they are 100% preventable. The credit card chargeback rebuttal letter is one of the first things a bank agent will look at after receiving your case. The issuer returns the disputed transaction to the acquirer explaining the reason for the dispute, potentially with supporting documentation. The most comprehensive guide to chargeback reason codes. This code applies when a transaction is not deposited within the timeframe designated by Visa (see chart below). twitter. Chargeback reason code 10. The Warning Bulletin—also known as the “hot card list” or “restricted card list”—is meant to help prevent credit card fraud. That’s 50%. Every minute that a merchant spends focused on a credit card dispute is time not spent serving customers. Mercator Advisory Group predicts that the volume of chargeback frauds will increase to 33 million in 2022. Therefore, you should understand credit card chargeback merchant rights to ensure you protect your business from chargeback frauds whenever possible. Below is a list of VISA chargeback codes. • If the card is present at the time of sale, be sure to compare the credit or debit card account number on an electronically printed draft to the credit or debit card number embossed on the card. American Express will give you separate numbers for each merchant you intend to patronize, while Capital One and Citibank will provide you with a new number per request, even for the same merchant. The credit card networks interpreted the conditions spelled out in the law and created the many reason codes that apply to all the various chargeback scenarios. 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. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. July 2011 Chargeback and Exception Processing Guide 3 The Chargeback Cycle. A credit card receipt is a printout or email record summarizing the details of a credit card transaction, provided by a merchant. El. 4853 – Cardholder Dispute – Goods or Services Not Provided. Review the code to learn the reason for the chargeback and any other pertinent details. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. For example, a technical issue, such as no authorization approval code received. 3-D Secure is a customer authentication protocol created for eCommerce. The bank “charges back” the amount of the disputed payment to the merchant or service provider. Reason Codes Category 4: Processing Errors.