MasterCard Reason Codes

This reason code is used when an issuer requests the Transaction Certificate (TC) for a chip-enabled (EMV) transaction.

This reason code applies when a cardholder disputes a transaction they believe is invalid.

This reason code is used when a cardholder disputes a charge, claiming they were billed for a recurring transaction after canceling the subscription or for digital goods they did not authorize or receive.

This reason code is used when a cardholder says they didn’t get the goods or services they paid for.

This reason code applies when a cardholder sees a transaction they don't recognize and suspects it might be fraudulent.

This reason code is used when a cardholder does not recognize a transaction on their statement.

This reason code is used when a transaction tied to a healthcare spending account is being audited.

This reason code covers disputes related to unexpected add-on fees, no-show reservation charges, and ATM cash dispensing issues

This reason code applies when a cardholder disputes a transaction, claiming the amount charged differs from what they agreed to at the point of sale.

This reason code is used when a cardholder questions the amount charged to their account, prompting the issuer to request additional information from the merchant.

This reason code is used when a cardholder requests additional information about a transaction for their records.

This reason code applies when a cardholder disputes a transaction within the EEA, claiming the amount charged was unreasonable or incorrect.

This reason code applies when a cardholder disputes a transaction, claiming it was unauthorized and involved a counterfeit card.

This reason code applies when a transaction is disputed due to fraud involving a lost, stolen, or never received card, and the liability shifts under the EMV chip and PIN guidelines. 

This reason code is used when an issuer initiates a retrieval request to gather documentation related to a transaction under investigation for potential fraud.

This code is used when a cardholder disputes a transaction due to suspected fraudulent activity associated with the merchant.

This code is used when a cardholder disputes a transaction, claiming they did not authorize or participate in it.

This reason code is used when the issuer disputes a representment due to mismatched or incorrect transaction data provided by the acquirer.

This reason code applies when an issuer receives documentation from the acquirer that doesn't relate to the disputed transaction or is incomplete due to a scanning error.

This reason code is used when an issuer disputes a second presentment from the acquirer, asserting that the necessary supporting documentation was not provided.

This reason code is used when an issuer receives supporting documentation from the acquirer that is too illegible to assess the validity of the second presentment.

This reason code is used when an issuer disputes a second presentment from the acquirer, claiming that the Acquirer Reference Data provided doesn't match the original transaction details, and no supporting documentation was received or required.

This reason code was used when a transaction was processed using an account number that the issuer did not recognize or have on file.

This reason code is used when a transaction is processed without obtaining the necessary authorization from the card issuer.

This reason code is used when an issuer requests documentation to assess a transaction's validity, often as a precursor to a potential chargeback or compliance case.

This reason code is used when a cardholder claims that a credit or refund they were expecting was instead processed as a debit or purchase, resulting in an additional charge to their account.