| 10.1 |
EMV Liability Shift Counterfeit Fraud |
The cardholder claims a counterfeit chip card was used at a POS system where the transaction was not processed as a chip transaction. |
✓ |
| 10.2 |
EMV Liability Shift Non-Counterfeit Fraud |
The cardholder claims this activity was fraudulent, but blames the merchant’s EMV terminal (card-present). |
✓ |
| 10.3 |
Other Fraud: Card-Present Environment / Condition |
A fraudulent transaction was made using the actual credit card, according to the cardholder. |
✓ |
| 10.4 |
Other Fraud: Card-absent Environment / Condition |
The cardholder claims an unauthorized transaction occurred without the physical card involved. |
✓ |
| 10.5 |
Visa Fraud Monitoring Program |
Visa’s Fraud Monitoring Program flagged the transaction. |
✓ |
| 11.1 |
Card Recovery Bulletin |
The merchant apparently did not get authorization for the transaction through an account number listed in the Card Recovery Bulletin. |
✓ |
| 11.2 |
Declined Authorization |
The authorization was declined, but the transaction was processed anyway. |
✗ |
| 11.3 |
No Authorization |
The transaction was processed without any attempt to gain authorization, or authorization was requested after the fact or for a different amount. |
✓ |
| 12.1 |
Late Presentment |
The transaction was not sent to Visa within the required time limits. |
✗ |
| 12.2 |
Incorrect Transaction Code |
The wrong transaction code was used. |
✗ |
| 12.3 |
Incorrect Currency |
The merchant made one or more errors related to the transaction currency. |
✗ |
| 12.4 |
Incorrect Account Number |
The account number in the authorization does not match the account number used in the transaction. |
✗ |
| 12.5 |
Incorrect Amount |
The amount in the authorization does not match the amount from the transaction. |
✗ |
| 12.6.1 |
Duplicate Processing |
A single transaction was processed two or more times. |
✗ |
| 12.6.2 |
Paid by Other Means |
A single transaction was processed two or more times. |
✗ |
| 12.7 |
Invalid Data |
An authorization was obtained using invalid or incorrect data. |
✗ |
| 13.1 |
Merchandise / Services Not Received |
Cardholder claims goods or services were not received or not received by the agreed upon date. |
✗ |
| 13.2 |
Canceled Recurring Transaction |
The cardholder claims to have been charged for a canceled recurring transaction |
✗ |
| 13.3 |
Not as Described or Defective Merchandise / Services |
The cardholder claim that the goods or services were defective or not as described prior to the transaction. |
✗ |
| 13.4 |
Counterfeit Merchandise |
The merchandise was identified as counterfeit by the owner of the intellectual property, a government agency, or a neutral third-party expert. |
✗ |
| 13.5 |
Misrepresentation |
The cardholder claims a purchased item or service was misrepresented and alleges false advertising. |
✗ |
| 13.6 |
Credit Not Processed |
The customer claims a credit was due but never processed. |
✗ |
| 13.7 |
Cancelled Merchandise / Services |
The cardholder claims this activity was fraudulent, but blames the merchant’s EMV terminal (card-present). |
✗ |
| 13.8 |
Original Credit Transaction Not Accepted |
A voided transaction receipt was not processed (applies to Europe and inter-regional areas only). |
✗ |
| 13.9 |
Non-Receipt of Cash or Load Transaction Value |
Cardholder did not receive the full cash withdrawal at an ATM. |
✗ |
| 4808 |
Warning Bulletin File |
Issuer is unable to verify that an authorization code was obtained at the time of the transaction. |
✗ |
| 4808 |
Authorization-Related Chargeback |
The merchant didn’t obtain authorization or got it too late. |
✓ |
| 4808 |
Account Number Not on File |
The issuing bank can’t find an account with the number used. |
✗ |
| 4808 |
Required Authorization Not Obtained |
The merchant failed to request necessary authorization. |
✓ |
| 4808 |
Expired Chargeback Protection Period |
The transaction was not settled until after its expiration deadline, at which point the cardholder’s account was no longer active/in good standing. |
✗ |
| 4808 |
Multiple Authorization Requests |
A card-not-present transaction was declined by the issuer but later approved using Stand-In processing or X-Code. |
✗ |
| 4808 |
Cardholder-Activated Terminal (CAT) 3 Device |
Unauthorized transactions processed at a cardholder-activated terminal (CAT). |
✓ |
| 4834 |
Point of Interaction Error |
A single transaction was processed more than one time. |
✗ |
| 4834 |
Transaction Amount Differs |
The amount the cardholder was charged doesn’t match what’s on the receipt. |
✗ |
| 4834 |
Late Presentment |
The transaction was not deposited within 30 days of the date a valid authorization code was obtained. |
✗ |
| 4834 |
Point-of-Interaction Currency Conversion |
The merchant failed to provide adequate currency information or properly process a credit. |
✗ |
| 4834 |
Duplication/Paid by Other Means |
A single transaction was processed more than one time. |
✗ |
| 4834 |
ATM Disputes |
The cardholder charges that inaccurate amount of cash was dispensed by an ATM, or that the ATM withdrawal had been debited to the account multiple times. |
✗ |
| 4834 |
Loss, Theft, or Damages |
The cardholder claims an unauthorized charge for loss, theft, or damage was added to the transaction up front. |
✗ |
| 37 |
No Cardholder Authorization |
The cardholder claims he or she did not authorize the transaction. |
✓ |
| 49 |
No Cardholder Authorization |
The cardholder claims he or she did not authorize the transaction. |
✓ |
| 4837 |
No Cardholder Authorization |
The cardholder claims he or she did not authorize the transaction. |
✓ |
| 4849 |
Questionable Merchant Activity |
This transaction violates Mastercard’s eslint-local-rules or the merchant was on a Mastercard security list. |
✗ |
| 4870 |
Chip Liability Shift |
A fraudulent transaction was processed using a counterfeit EMV chip card, but the chip was not used, which allowed fraud. |
✓ |
| 4871 |
Chip / PIN Liability Shift–Lost / Stolen / Never Received Issue (NRI) Fraud |
A fraudulent transaction was processed using a lost, stolen, or never received EMV chip card, but the chip was not used, which allowed the fraud. |
✓ |
| 53 |
Cardholder Dispute of a Recurring Transaction |
Cardholder claims the merchant continued to bill the card after a recurring transaction was cancelled, or without explicit consent from the cardholder. |
✗ |
| 4853 |
Goods/Services not as Described or Defective |
The cardholder claims the merchandise received (or service provided) differs greatly from the description provided at the time of purchase. |
✗ |
| 4850 |
Installment Billing Dispute |
The cardholder claims an installment charge made to their account was incorrect. |
✗ |
| 4854 |
Cardholder Dispute Not Classified Elsewhere (US) |
The cardholder has made an unsuccessful good-faith effort to resolve a dispute with the merchant. |
✗ |
| 4807 |
Warning Bulletin File |
Issuer is unable to verify that an authorization code was obtained at the time of the transaction. |
✗ |
| 4812 |
Account Number Not on File |
The issuing bank can’t find an account with the number used. |
✗ |
| 4859 |
No Show / Addendum / ATM Dispute |
The cardholder claims to have been charged a no-show fee when they cancelled with a hotel participating in the Mastercard Guaranteed Reservation Service. |
✗ |
| 4860 |
Credit Not Processed |
The cardholder did not receive an expected a credit. |
✗ |
| A01 |
Charge amount exceeds authorization amount |
The amount of the authorization approval was less than the amount of the charge submitted by the merchant. |
✗ |
| A02 |
No valid authorization |
The charge submitted by the merchant was either declined or the card was expired. |
✓ |
| A08 |
Authorization approval expired |
Transaction submission was made after the authorization approval had expired. |
✗ |
| C02 |
Credit not processed |
American Express has not received an expected credit (or partial credit) from the merchant. |
✗ |
| C04 |
Goods / services returned or refused |
The cardholder refused delivery of goods or services or returned merchandise, but a credit was not processed. |
✗ |
| C05 |
Goods / services canceled |
The cardholder claims that the order for goods or services was canceled. |
✗ |
| C08 |
Goods / Services Not Received or Only Partially Received |
The cardholder claims to have not received (or only partially received) the goods or services ordered. |
✗ |
| C14 |
Paid by Other Means |
Cardholder was charged for a transaction that was paid using an alternate form of payment. |
✗ |
| C18 |
No Show or CARDeposit Canceled |
The cardholder claims a lodging reservation was canceled, or an expected credit for a CARDeposit charge was not received. |
✗ |
| C28 |
Canceled Recurring Billing |
The cardholder claims to have been charged for a canceled recurring transaction. |
✗ |
| C31 |
Goods / Services Not as Described |
The cardholder claim that the goods or services were defective or not as described prior to the transaction. |
✗ |
| C32 |
Goods / Services Damaged or Defective |
The cardholder claims to have received damaged or defective merchandise or services. |
✗ |
| M10 |
Vehicle Rental - Capital Damages |
The cardholder claims to have been incorrectly billed for capital damages to a rented vehicle. |
✗ |
| M49 |
Vehicle Rental - Theft or Loss of Use |
The cardholder claims to have been incorrectly charged for theft or loss of use of a rental vehicle. |
✗ |
| FR2 |
Fraud Full Recourse Program |
American Express Fraud Full Recourse Program flagged the transaction. |
✗ |
| FR4 |
Immediate Chargeback Program |
This is a program that allows American Express to process any dispute immediately as cardholder files a chargeback for any reason than actual fraud. |
✗ |
| FR6 |
Partial Immediate Chargeback Program |
The cardholder has disputed the charge and the merchant has been placed in the Partial Immediate Chargeback Program by American Express. |
✗ |
| F10 |
Missing Imprint |
Cardholder did not participate in a purchase and was not provided a copy of the card imprint (card-present environments only). |
✗ |
| F14 |
Missing Signature |
The cardholder claims to not have been involved in a transaction that was processed (card-present environments only). |
✗ |
| F24 |
No Cardmember Authorization |
The cardholder denies participation in the charge submitted by the merchant, who cannot prove otherwise. |
✓ |
| F29 |
Card Not Present |
The cardholder claims an unauthorized transaction occurred without the physical card involved. |
✓ |
| F30 |
EMV Counterfeit |
The cardholder denies participation in a situation where a counterfeit chip card was used at a POS system, but the transaction was not processed as a chip transaction. |
✓ |
| F31 |
EMV List / Stolen / Non-received |
A fraudulent transaction was made using the actual credit card, according to the cardholder. |
✓ |
| R03 |
Insufficient Reply |
Complete support and/or documentation were requested but not provided. |
✗ |
| R13 |
No reply |
American Express did not receive a response to an inquiry within the specified timeframe. |
✗ |
| M01 |
Chargeback Authorization |
The merchant authorized American Express to process a chargeback for the charge. |
✗ |
| P01 |
Unassigned Card Number |
The card number used for the transaction is not assigned to a valid account, or not assigned to the cardholder. |
✗ |
| P03 |
Credit Processed as Charge |
The cardholder was debited for a transaction that should have been a credit. |
✗ |
| P04 |
Charge Processed as Credit |
The cardholder was credited for a transaction that should have been a debit. |
✗ |
| P05 |
Incorrect Charge Amount |
The amount in the authorization does not match the amount from the transaction. |
✗ |
| P07 |
Late Submission |
The charge was not submitted within the required timeframe. |
✗ |
| P08 |
Duplicate Charge |
A single transaction processed two or more times. |
✗ |
| P22 |
Non-Matching Card Number |
The card number used for the transaction is not assigned to a valid account, or not assigned to the cardholder. |
✗ |
| P23 |
Currency Discrepancy |
The merchant made one or more errors related to the transaction currency. |
✗ |
| AA |
Cardholder Does Not Recognize |
The cardholder claims that he or she does not recognize the transaction appearing on the cardholder statement. |
✓ |
| AP |
Canceled Recurring Transaction |
The cardholder claims to have been charged for a canceled recurring transaction. |
✗ |
| AW |
Altered Amount |
The amount in the authorization does not match the amount from the transaction (includes cash advance transactions). |
✗ |
| CD |
Credit Posted as Card Sale |
The cardholder was debited for a transaction that should have been a credit. |
✗ |
| DP |
Duplicate Processing |
A single transaction processed two or more times. |
✗ |
| IC |
Illegible Sales Data |
A requested sales receipt was provided but was not legible. |
✗ |
| NF |
Non-Receipt of Cash from ATM |
Cardholder did not receive the full cash withdrawal at an ATM. |
✗ |
| PM |
Paid by Other Means |
Cardholder was charged for a transaction that was processed using an alternate form of payment. |
✗ |
| RG |
Non-Receipt of Goods or Services |
Non-Receipt of Goods or Services |
✗ |
| RM |
Quality Discrepancy |
The cardholder claims that the goods or services were defective or not as described prior to the transaction. |
✗ |
| RN2 |
Credit Not Received |
The cardholder refused delivery of goods or services or returned merchandise and credit was not processed. |
✗ |
| AT |
Authorization Non-compliance |
The transaction was processed without a positive authorization response and/or contains an authorization response beyond the cards expiration date. |
✓ |
| DA |
Declined Authorization |
A declined transaction is presented for processing. |
✗ |
| EX |
Expired Card |
The cardholder challenges the validity of a transaction because the card had expired at the time. |
✗ |
| NA |
No Authorization |
The transaction was processed without authorization. |
✓ |
| IN |
Invalid Card Number |
The card number used for the transaction is not assigned to a valid account, or not assigned to the cardholder. |
✗ |
| LP |
Late Presentment |
The transaction was completed past the required time limits. |
✗ |
| NC |
Not Classified |
Any claims of invalid transactions which do not fall under any other classification. |
✗ |
| UA01 |
Fraud / Card Present Environment |
A fraudulent transaction was made using the actual credit card, according to the cardholder. |
✓ |
| UA02 |
Fraud / Card-Not-Present Environment |
Cardholder claims a fraudulent transaction was made in a card-absence environment. |
✓ |
| UA05 |
Fraud / Counterfeit Chip Transaction |
The cardholder claims to not have been involved in a transaction that was processed using an EMV/chip terminal. |
✓ |
| UA06 |
Fraud / Chip-and-Pin Transaction |
The cardholder claims to not have been involved in a transaction that was processed using a hybrid card at a stripe-only terminal of a chip-capable terminal not equipped with a PIN pad. |
✓ |
| UA10 |
Request Transaction Receipt (swiped card transactions) |
Issuer requests documents for a transaction the cardholder claims was fraudulent (card-present.) |
✓ |
| UA11 |
Cardholder claims fraud (swiped transaction, no signature) |
The cardholder claims this activity was fraudulent (card-present). |
✓ |