A specific code provided by card networks detailing the primary reason for the initiation of a chargeback.
When faced with a chargeback, one of the most confounding elements is the vague reason code attached to it. But decoding these codes is key to resolving disputes. Let’s examine what chargeback reason codes mean and how merchants can leverage them.
Chargeback reason codes are codes issued by the card networks to classify the rationale for a customer dispute or refund request. Common codes include:
While general, these codes indicate the core dispute category, a vital starting point.
Armed with the reason code, merchants can:
Reason codes create a roadmap to resolving chargeback mysteries. Their clues unlock effective responses.
Reason codes lay the groundwork for chargeback defense by summarizing grounds for dispute. Decoding these shorthand signals helps merchants gather facts, unearth oversights, and argue the truth. Codes provide the “why” behind the chargeback story.