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Visa

CodeDescription
13.6Credit not processed
13.7Cancelled Merchandise/Services
12.6.1Duplicate processing
12.6.2Paid by other means
33Fraud analysis request
10.1EMV Liability Shift Counterfeit Fraud
10.2EMV Liability Shift Non-Counterfeit Fraud
10.3Other Fraud - Card Present Environment
10.4Other Fraud - Card Absent Environment
10.5Visa Fraud Monitoring Program
28Request for copy bearing signature
30Cardholder request due to dispute
34Legal process request
11.1Card Recovery Bulletin
11.2Declined Authorization
11.3No Authorization
12.1Late Presentment
12.2Incorrect Transaction Code
12.3Incorrect Currency
12.4Incorrect Account Number
12.5Incorrect Amount
12.7Invalid Data
13.8Original Credit Transaction Not Accepted
13.1Merchandise/Services Not Received
13.9Non-Receipt of Cash or Load Transaction Value
13.3Not as Described or Defective Merchandise/Services
13.4Counterfeit Merchandise
13.5Misrepresentation
13.2Cancelled Recurring

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Mastercard

CodeDescription
4860Credit Not Processed; Timeshares; Credit Posted as a Purchase
4834Transaction Amount Differs; Cardholder Debited Multiple Times; ATM Disputes; Loss/Theft/Damages Charges; Late Presentment; POI Currency Conversion; Merchant Credit Errors; Improper Surcharge; Unreasonable Amount (EEA only)
6341Fraud investigation
4837No Cardholder Authorization
4849Questionable Merchant Activity
4870Chip Liability Shift
4871Chip Liability Shift - Lost/Stolen/Never Received Issue Fraud
6305Cardholder does not agree with amount billed
6322Request Transaction Certificate for chip transaction
6323Cardholder needs information for personal records
6342Potential chargeback or compliance documentation required
6343IIAS Audit (healthcare transactions only)
6390Syntax error return
4808General Chargeback AND General Arbitration Chargeback
4807Deprecated
4812Account number not on file
4859Addendum, No-show, ATM Dispute; German Domestic Rule; No-show Hotel Charge
4831Transaction Amount Differs; Multiple Debits; Currency Exchange Errors
4842DEPRECATED: Late Presentment
4846DEPRECATED: POI Currency Conversion
4901Required Documentation Not Received for Second Presentment
4902Documentation Received was Illegible
4903Scanning error - Unrelated Documents or Partial Scan
4905Acquirer Reference Data Does Not Match or Invalid
4908Invalid Acquirer Reference Data; Documentation Received
4855Transaction Did Not Complete
4853General Defective/Not as Described; Goods/Services Not Provided; Failed Travel Merchant; Digital Goods; Credit Not Processed; Counterfeit Goods; Recurring Transaction Disputes; No-show Hotel; Timeshares; Credit Posted as Purchase
4841Digital Goods; Canceled Recurring/Digital Transactions; Recurring Transaction Disputes
6321Cardholder does not recognize transaction
4863Cardholder Does Not Recognize - Potential Fraud