Time Frames by Chargeback Type and Reason Code. After the introduction of Visa Claims Resolution, Visa set the goal of resolving all disputes in less than 31 days. Chargeback time frames - A specific period during which a chargeback can be raised. That said, looking up purchases using this number can make it easier to provide info following an. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. This chargeback occurs when merchants do not adequately provide currency information. Click on the Chargeback Reason Code drop-down menu, the user can change the. To submit your documents to Wave, use the link in the chargeback notification email, or reply to the email. The merchant's evidence must demonstrate that this claim is false. However, the return request is invalid, as the customer does not have a legitimate right to a refund for one reason or another. That’s why you need to kick chargeback mitigation into high-gear. M10 Vehicle Rental – Capital Damages. . This would be filed using reason code 12. Once filed, the merchant generally has 20 days to respond to the chargeback. TC40 data is used to inform banks and card networks when a merchant has an outstanding fraud. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. The codes also appear on financial reporting associated with disputes. Fraud UA01 Fraud – Card Present Transaction UA02 Fraud – Card Not Present Transaction UA05 Fraud – Chip Counterfeit Transaction UA06 Fraud – Chip and PIN. [noun]/* chahrj • bak • rə • pôrt/. One of the most common chargebacks that are being filled by cardholders across the globe, is the “fraud related chargeback. CD: Credit/Debit Posted Incorrectly: CR: Canceled reservation. 2. Also, remember that the time frame for your response includes any processing required by the acquirer. . 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. 5 Visa Fraud Monitoring Program. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. Post Views: 2,142. . You can email us at: disputeresponses@barclays. Fight; Prevent; Get; Assets. In the case of friendly fraud, that reason could be completely invalid and. Acquirer Use of Message Reason Code 7623. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. Valid chargeback reason codes are defined in UDC 03B/CB. If you did not receive the email, open Mave, Wave’s automated chatbot, and. 1. the Airline cancelled the original ticket; That credit for duplicate charges was completed or multiple<br />. For a brief overview of chargeback reason codes, refer to the table below. . 3 falls under the “Consumer Disputes” category. Banks may issue a credit to an account holder at their discretion. A TC40 data claim occurs when a customer makes a fraud claim against a merchant. Chargeback Reason Key by Network - 2023 Guide. Date Option. This code tells you why the customer or bank initiated the dispute. About American Express chargeback reason codes. However, it's advisable to respond to whatever reason code you received from the bank. It is important to identify and understand the root cause and take the necessary steps to dispute the chargeback. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from cardRECOVER YOUR LOST REVENUE RECOVER YOUR LOST REVENUE PAGE 4 REASON CODES THE IMMEDIATE COST OF THE CHARGEBACK In addition to losing the revenue from the sale and the cost of the product, fees charged by the issuing bank can be as high as $125 per chargeback. Which is meant to know the reason for the dispute. If repeated chargebacks happen, you can be placed on a monitoring program, leading to higher processing fees and termination of your account. This would be filed using reason code 12. MasterCard: Reason Code 4859 Services not rendered. Last updated: October 15, 2019 . DD: Disallowed discount amount. Codes—Contains detailed information on the reason codes for the most common types of chargebacks that merchants receive . In most cases, you will have 20-45 days in which to respond to a chargeback. 4 Create an Unearned Discount. The assigned chargeback reason code outlines why a customer submitted the dispute. . 10. American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. Discover uses unique codes to explain those reasons to merchants. 0: Updated report version from 1. Receive the Chargeback. reasonable and that the transaction did not exceed this amount range. Reasons a customer may initiate a chargeback include: Ordering a product and not receiving it. However, don’t expect to eliminate it altogether. A customer payment dispute, more commonly called a “chargeback,” happens when a cardholder disputes (challenges) a payment card transaction and asks the card-issuing bank to reverse it. This means that meticulous and organized record-keeping is essential for effective chargeback revenue recovery. There are also third-party tools available to conduct advanced analysis. Reason code 4534 - Duplicate Processing (DP) Reason code 4535 - Expired Card (EX) Reason code 4541 - Recurring Payment (AP) Reason code 4550 - Credit Posted as Card Sales (CD) Reason code 4553 - Cardholder Disputes Quality Of Goods Or Services (RM) Reason code 4554 - Not Classified (NC) Our Most Important Advice for Scam Victims is that to Get Your Money Back You Must File a Chargeback Request Correctly! Here’s more advice for scam victims: If you paid by credit or debit card, it is imperative to understand your rights and the power that’s in your hands. Solutions. To prevent chargebacks from happening, you must know how chargebacks work and take. 9808 info@chargebacks911. • create an A/P credit for the charge back. Here’s how your store can prevent and deal with chargebacks. Responding to a chargeback request. The use of this reason code indicates that a cardholder is disputing a charge that did not go through the required authorization approval process. non_receipt: The buyer claims they didn't get the goods or services. A Shopify chargeback occurs when a cardholder contacts the bank about. What is a chargeback time limit? The chargeback response. And chargeback guarantees aren't without. 4846 — Incorrect Currency Code. The fee is designed to incentivise merchants to act in a way that avoids chargebacks. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. The terminal action codes are in Table 122 of the 4. Other Fraud—Card Present Environment. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Visa Fraud Chargeback Reason. This authoritative guide includes the chargeback reason key from each from the four major card netz. Here is an overview of how the general chargeback process works with most major processors (we’ll get into how Square does it down below) Step 1: A. They are provided to the merchant by the issuing bank, and they help all involved parties categorize disputes and determine next steps. About American Express chargeback reason codes. 1 – Merchandise/ Services Not Received 13 . Reason Code 53 chargeback can be re-presented in one of the following circumstances: chargeback is invalid or a credit was processed. When a cardholder makes a purchase, but regrets it later, they may file a chargeback to recoup their money. Try Shopify free for 3 days, no credit card required. To assemble the right evidence to fight and win chargebacks, you may need documents. Not recognizing your billing descriptor on a statement. . Preventing Mastercard Reason Code 4837 Chargebacks. 0 to 5. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. Review your credit card processor’s policies to understand its chargeback dispute process. See the list of reason codes below: Card Network. Specify the invoice date and net due date to assign to chargebacks. You can see the reason code for the dispute in the Dispute page. What does the reason code of my chargeback mean? Whenever a payment is disputed, a dispute reason code is used by the issuer to let you and us know why the payment is charged back. Each code corresponds to an issue or problem. 1. [noun]/* kə • stə • mər • di • spyo͞ot/. That's why we've created this guide, which goes over what reason codes are and how they help fight chargebacks and includes up-to-date lists of the reason codes for all the major US card networks. Reason Codes Category 4: Processing Errors. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback. 1Chargeback agency rollup code CASE NUMBER 12 20 NUM/9 CASE-NO Unique numeric identifier for each case RECORD TYPE 21 21 NUM/1 REC TYPE Appropriate record type 1 – SUMMARY. Once you submit the documentation to Wave, our Disputes Resolution Team will work on the case, and submit the required information to the bank on your behalf. FR4 Immediate Chargeback Program. Chargeback Reason Codes All received credit card disputes include a reason code. About Careers Contact. Not remembering the original purchase. An ACH (Automated Clearing House) payment dispute is a situation in which one party involved in an ACH transaction raises a concern or disagreement over the legitimacy, accuracy, or authorization of the transaction. Merchants who believe they have received an invalid chargeback under reason code 12. Additionally, one clearing transaction. The chargeback timeline can be based on one of several start dates: If the delivery date or service performance date was not specified, the issuer must wait at least 30 calendar days after the transaction processing date to initiate the chargeback but not exceed 120 calendar days. No two merchants will get exactly the same chargebacks for the same reasons, but there are definite patterns depending on the market you serve. Code 66: Markdown Monies/Price Protection. Fight; Prevent; Recover; Technical. Vendors that do not have a well-drafted shipping and order fulfillment policy are susceptible to this category of Shopify chargebacks. 6 Setting Up Payment Terms for Accounts Receivable. 'luhfw fruuhvsrqghqfh wr wkh dssursuldwh hpdlo edvhg xsrq wkh uhdvrq frgh ri wkh lvvxh olvwhg ehorz <rx pd\ frpelqh lvvxhv iru gliihuhqw uhdvrq frghv lq wkh vdph fruuhvsrqghqfh rqo\ li wkh What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. For each claim, you must craft your representment to suit the reason code under which the bank filed the chargeback. In most cases, cardholders may only file a chargeback within 120 calendar days of the Central Site Business Date, with some codes requiring shorter timeframes. F02. 4853 – Cardholder Dispute – Goods or. Unfortunately, the final decision in such cases comes down to the issuing bank, and not all. 10. 4 Section . There are multiple situations in which this can occur. 3: Goods or services were not as described: C31: RM: 13. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. 5%. 3 is the less common version for card-present transactions. Try Shopify free for 3 days, no credit card required. The shorthand description is “Authorization Noncompliance. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. The first thing you should do when you receive a chargeback notification is to check the reason code that the card issuer assigns to the dispute. Previous Page. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. 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. Visa Code # MasterCard Code # Reason. 10. The chargeback transfers funds from the acquirer to the issuer. If the bulk of reason codes your business sees are fraud-related and you lose these chargebacks after submitting compelling evidence, true fraud problems are present. M49 Vehicle Rental – Theft or Loss of Use. However, for simplification, they are divided into eight categories: Fraudulent activity; Authorization issues;. One of the manufacturers--Toy House maintains only 30 internal reason codes to. Other Fraud—Card Absent Environment. 1: EMV Liability Shift Counterfeit Fraud:. 4853:About American Express chargeback reason codes. If your business never experiences a chargeback, you’ll never have to pay this fee. Step 4: Card Network Collects Dispute Information. Despite being the smallest of the four major credit card companies, the list of Discover chargeback reason codes is extensive. Reason codes. Mastercard uses reason code 4842 for late presentment chargebacks, but the conditions are considerably more complex. Ethoca alerts can prevent chargebacks before they hit your bank account. R03 Insufficient Reply. EMV Liability Shift Counterfeit Fraud. Fraudulent Activity. Another thing you should bear in mind is that the card brand involved in the dispute can also change the reason code to suit new developments. Written over Chargeback Gurus. Each card network has their own set of chargeback policies and reason codes, and they frequently change them. Reason codes for chargebacks are assigned by issuing banks at the time of their creation, depending on the nature of their occurrence. Goods / Services Damaged or Defective. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. The most comprehensive guide to chargeback reason codes. Blog and Featured; Success Stories; Chargeback Reasoning Codes; BIN Look-up; eGuides and Reports;. Under Set Order Status, select None, Refund, or Chargeback. 3? Visa chargeback reason code 13. If you believe you have received an ACH return in error, you can contact your bank. The major card networks (Visa, Mastercard, Discover, and American Express) established these codes to clearly identify the reason a chargeback was requested. Every of the major card brands, the inclusion of Visa, MasterCard, and others, has its acknowledged system of reason codes. Discover 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. Since we are connecting through AP, your data is handled securely, all the data we access is strictly kept confidential, and we do not share your data with any third-party agents. Reason Codes Category 4: Processing Errors. Retail chargebacks occur when consumers dispute credit card transactions that were used to pay for retail goods. Code 22: Merchandise Billed not Shipped. Return fraud happens when consumers bring an item (or items) back to you to request a refund in the form of store credit or cash. Step 1: The cardholder disputes a charge. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. AP-Automatic Payment:. Investigate suspicious orders. ; Resources. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. MasterCard chargeback reason code 4540. 2. That’s 50% more time than what the major card networks allow. The win rate for this particular reason code is extremely slim because they generally refer to fraud issues. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. Let’s say you got a Visa chargeback with reason code 13. With that said, you still need to understand the reason codes with any chargebacks from Amex. This statement item can later be reversed, or made permanent, depending on the reason for the credit issuance. 1? Visa chargeback reason code 12. . Fight; Prevent;. Reason code 83 represents a chargeback categorized as. The Guide Gain a better understanding of the nature of your chargebacks and effectively manage them. It can range from 60 to 120 days from the billing date. may be reversed if merchant can provide proof that the correct fare was quoted to Cardholder; That<br />. Usually, the reason codes will fall. txt) or read online for free. S. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Chapter 6 Pre-Arbitration and Arbitration Case Filing-For Chargebacks Initiated On or After 17 July 2020 > Time Frames and Requirements > Dual Message System Pre-Arbitration andCode 13. 3 is an updated version of legacy Visa reason code 72, which was phased out under the Visa Claims Resolution initiative. 6 General update and rebranding. For each reason code, a definition is. 6). According to Nilson, 56% of global card transactions were done on Visa in 2015. When one cardholder initiates a dispute with their issuing bank, a. Each card issuer follows their own standards for defining reason type, code and its format. AA Cardholder Does Not Recognize AP Canceled Recurring Transaction AW Altered Amount CD Credit Posted as Card Sale DP Duplicate Processing IC Illegible Sales Data. Stage #1: Awareness - be aware of the chargeback response time limitVisa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. UA05 – Fraud: Chip Card Counterfeit Transaction. With the right compelling evidence,. Additionally, Discover uses a fifth "No Classified" category. 3 Fraud – Card-Present Environment. Chargeback. . 104. Some payment service providers like PayPal and Stripe have their own reason codes as well. This is a fairly common chargeback reason that can. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible VISA 30 Services Not Provided or Merchandise Not Received Non-Receipt of Goods or Services NO YES VISA 41 Canceled Recurring Transaction Cancelled/Returned by CardholderThe situation grows more tenuous when you realize most of those chargebacks were likely the result of friendly fraud. Prevent chargebacks. ”. . Try Shopify free for 3 days, no credit card required. The sales receipt and/or date and amount of the authorization if other than the transaction date. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. Like other markup fees, you can negotiate the amount of this fee when setting up your merchant account. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. 2. All 1. Visa requires processors and banks use to this system for multiple tasks, including challenging initial chargeback results. Discover Cardholder Dispute Chargeback Reason Codes AA — Cardholder Does Not Recognize The consumer files a dispute claiming that they do not recognize. We have mentioned all the chargeback categories above to explain the Chargeback Reason Codes according to the card networks. . A chargeback attempt may fail if there is not a valid reason for it, and card issuers are unable to force a merchant’s bank to refund credit card payments. A TC40 data claim occurs when a customer makes a fraud claim against a merchant. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. In the last few years, Visa widened the acceptable compelling evidence requirements for reason code 10. 102. Chargeback . It gets worse. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. 101. . However, the 30 day waiting period can be waived if you’ve. Some disputes are filed because an unauthorized third party used the card, but many consumers dispute their own transactions for one reason or another. . Every friendly fraud chargeback will come bearing a reason code that specifies the nature of the cardholder’s claim. 0 is to make the chargeback process more efficient, transparent, and fair. This scenario applies when the arbitration was raised by either the. Check with the issuing banks to determine what time limits may apply to you. 6: Credit not. Chargeback Report. 1 Merchandise/Services Not Received . 4853 – Cardholder Dispute – Goods or Services Not Provided. ”. Chargeback reason code. Receivable’s lets you enter a chargeback against a credit memo or an on-account credit memo only if they have a. It should ultimately help prevent fraud and unwarranted chargebacks, specifically applying to disputes marked with a Visa reason code 10. 4 Fraud – Card-Absent Environment. Reason code 4541 - Recurring Payment. Chargeback reason code description – An explanation which provides the reason of raising a chargeback by the cardholder. 103. If they succeed, the issuing bank will reverse the chargeback and return. Reason code 98 was a code used for pre-compliance chargebacks before the implementation of the Visa Dispute Resolution system. Be sure to communicate with the customer and their bank professionally and courteously. The issuing bank collects evidence from the customer and categorizes the chargeback using the appropriate, card network-specific, reason. . EMV Liability Shift Non-Counterfeit Fraud. 2. Here’s how your store can prevent and deal with chargebacks. What is the chargeback representment process? When faced with a chargeback representment, you should take these steps. The new regulations simplify certain aspects of the dispute process and help stop some fraudulent claims before they become chargebacks. You should place a Code 10 call when. However, they don’t address the reason why that chargeback was issued in the first place. S. Can it be disputed?In order to identify the reason a customer disputed a charge, it can be helpful to examine the reason code on the chargeback. 1. . The issuer generates a claim, then transmits it to the merchant’s acquirer, as well as to Visa, as a means of noting all reported fraud incidents tied to the merchant. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. While every card system has its own particular exceptional arrangement of chargeback reason codes, the categories are fundamentally very similar. Chapter 6: Visa Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10: Arbitration; Chapter 11: Fraud filters; How to Create the Best Chargeback Responses. Once you know the reason code, you can investigate the transaction to determine whether. AT: Authorization Non-compliance: AW: Altered amount. Transaction unauthorized make up 30% of all chargeback reason codes. Card brand definitions for “excessive” vary, but as an example, Mastercard requires acquirers to submit your business to MATCH if: Your number of Mastercard chargebacks exceed 1% of Mastercard sales transactions in a. 2 falls under the “Processing Errors” category. Like definitive guide involves the chargeback reason laws upon each of the four major cards networks. Today, it’s one of the most widely used codes, but Pullen said that’s because agents often slap it on. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. Merchants who receive a chargeback for a transaction placed with an American Express card may encounter reason code FR2, which indicates an unauthorized charge that the cardholder does not believe they should be responsible for paying. For example, you might get a chargeback on a Mastercard purchase where the reason code is "4853: Goods or services not provided. The bank can then reverse the transaction, deducting the funds from your account and returning them to the cardholder's account. 03B/CB for chargeback reason codes. Fraud prevention basics such as CVV and AVS can be bolstered by adding advanced safeguards like automated transaction scoring, device ID and fingerprinting, and 3D secure tools. Depending on the reason code, supporting documentation may include: Copies of the order confirmation, invoice, or receipt; Proof of. 3: Goods or services were not as described: C31: RM: 13. In all, there are four major categories of Chargeback Reason Codes. In representment, the merchant provides evidence to the issuing bank based on the chargeback reason code. For example, if a store or distribution center receives 40 cases but the invoice is for 45 cases, a Code 22 will be issued for the 5 outstanding cases. Next, the issuer passes along all information about the dispute, including the chargeback reason code, to the card network. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Card brand definitions for “excessive” vary, but as an example, Mastercard requires acquirers to submit your business to MATCH if: Your number of Mastercard chargebacks exceed 1% of Mastercard sales transactions in a single month. This function allows you to: • associate the charge back with a specific purchase order. Each of the major card brands, including Visa,. Visa Chargeback Reason Codes. The charge is reversed and goes back to your credit card. The charge is reversed and goes back to your credit card. The list of chargeback reason codes in this article. It's essential to respond within the. ISD technology lets you fight chargebacks based on the true reason, not just the reason code. If the claim is invalid, the dispute will go no further and no chargeback will occur. chargeback: The buyer filed a chargeback with the credit card issuer. 4. First presentment fraud chargebacks include those with chargeback reason codes 4837 (No cardholder Authorization) and 4863 (Cardholder does not recognize — potential fraud). Each chargeback has a chargeback reason code assigned to it, which is a two-digit number that corresponds to the reason the customer is disputing the charge. 8 Processing Products 126 1. ©Chargeback 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 TRRThese chargebacks occur to resolve chargeback-related disputes between network members. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show. So don’t spend another second worrying about chargebacks. ” This code indicates the merchant waited too long to finish processing a transaction, and the account was no longer in good standing when the transaction was completed. Automate Tasks & Streamline Processes Let Midigator remove complexities and improve the efficiency of your chargeback management strategy. AP: Canceled recurring payment. Discover chargeback reason code 7030. . Eligible Chargeback Reason Codes . Whether the CID — the four-digit security code on the front of the Card — matches the issuer’s records. If you've determined the chargeback is meritless, and you know the reason code, below are the five stages of an effective chargeback representment. This provided a number of insights into the typical. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. What are chargeback reason codes? It’s an alphanumeric string of text provided by an issuing bank following a chargeback that describes the reason for the. 634. You can request a chargeback from the bank that issued the card If: The transaction was unauthorized. The credit will then appear on the cardholder’s statement as its own distinct. We’ve all been there as an eCommerce owner: you excitedly ship out a $1,500 order to a customer, and then a few weeks later you’re notified that the customer has opened a chargeback dispute. You’ll put that reason code, the transaction amount and authorization number, and state that the. Fortunately, chargeback reason codes make it easy for merchants to understand the cause of chargebacks. [1] Sift. 2 may be able to represent the transaction and reverse the chargeback with the right compelling evidence. Company. 7 Reversals and Adjustments 124 1. When you post. . Fortunately, chargeback reason codes make it easy for merchants to understand the cause of chargebacks. This provided a number of insights into the typical causes of subscription chargebacks by industry: Computer Software : Cancelled Services was the most common chargeback reason code, which is troubling because these should be easily avoidable disputes. Most Common Chargeback Reason Codes #1: Fraudulent Transactions or No Cardholder Authorization Fraudulent transaction chargebacks happen when a cardholder does not. 1002 - Cardholder disputes billed amount. Chargeback Reason Codes by Network - 2023 Orientation. 2 Compliance CasesReason codes for the chargeback with detailed explanation of what it means, how to dispute the chargeback, and how to avoid future disputes. The chargeback transfers funds from the acquirer to the issuer. DA: Declined. Download this sample Chargeback Rebuttal Letter. Thus, the easiest way to prevent chargeback reason code 75 from being. 3: Goods or services were not as described: C31: RM: 13.