Midigator has created a database of reason codes. Reason codes often change or are removed by the card brands. For the most accurate list of reason codes visit the library on our main website here.


Visa Reason Codes

10.1 – EMV Liability Shift Counterfeit Fraud

10.2 – EMV Liability Shift Non-Counterfeit Fraud

10.3 – Other Fraud – Card-Present Environment

10.4 – Other Fraud – Card-Absent Environment

10.5 – Visa Fraud Monitoring Program

11.1 – Card Recovery Bulletin

11.2 – Declined Authorization

11.3 – No Authorization

12.1 – Late Presentment

12.2 – Incorrect Transaction Code

12.3 – Incorrect Currency

12.4 – Incorrect Account Number

12.5 – Incorrect Amount

12.6 – Duplicate Processing / Paid By Other Means

12.7 – Invalid Data

13.1 – Merchandise / Services Not Received

13.2 – Cancelled Recurring Transaction

13.3 – Not as Described or Defective Merchandise / Services

13.4 – Counterfeit Merchandise

13.5 – Misrepresentation

13.6 – Credit Not Processed

13.7 – Cancelled Merchandise / Services

13.8 – Original Credit Transaction Not Accepted

13.9 – Non-Receipt of Cash or Load Transaction Value


Mastercard Reson Codes

4807 – Warning Bulletin

4808 – Authorization-Related Chargeback – Cardholder-Activated Terminal (CAT) 3 Device

4808 – Authorization-Related Chargeback – Expired Chargeback Protection Period

4808 – Authorization-Related Chargeback – Multiple Authorization Requests

4808 – Authorization-Related Chargeback – Required Authorization Not Obtained

4812 – Account Number Not On File

4831 – Incorrect Transaction Amount

4834 – Point-Of-Interaction Error – ATM Disputes

4834 – Point-Of-Interaction Error – Cardholder Debited More than Once for the Same Goods or Services

4834 – Point-Of-Interaction Error – Charges for Loss, Theft or Damages

4834 – Point-Of-Interaction Error – Late Presentment

4834 – Point-Of-Interaction Error – Point-of-Interaction (POI) Currency Conversion (Dynamic Currency Conversion)

4834 – Point-Of-Interaction Error – Merchant Credit Correcting Error Resulting in Cardholder Currency Exchange Loss

4834 – Point-Of-Interaction Error – Transaction Amount Differs

4834 – Point-Of-Interaction Error – Unreasonable Amount (European transactions only)

4837 – No Cardholder Authorization

4840 – Fraudulent Processing Of Transactions

4841 – Canceled Recurring Or Digital Goods Transactions

4842 – Late Presentment – Transactions Not Involving a European Issuer or Acquirer

4842 – Late Presentment – Transactions Involving a European Issuer or Acquirer

4846 – Correct Transaction Currency Code Not Provided/Currency Errors – Transactions Involving a European Issuer or Acquirer

4846 – Correct Transaction Currency Code Not Provided/Currency Errors – Transactions Not Involving a European Issuer or Acquirer

4849 – Questionable Merchant Activity – Global Merchant Audit Program (GMAP)

4849 – Questionable Merchant Activity – Mastercard Rule 3.7 Violation for Coercion Claim

4849 – Questionable Merchant Activity – Questionable Merchant Audit Program (QMAP)

4853 – Cardholder Dispute – “No Show” Hotel Charge

4853 – Cardholder Dispute – Counterfeit Goods

4853 – Cardholder Dispute – Cardholder Dispute of a Recurring Transaction

4853 – Cardholder Dispute – Addendum Dispute

4853 – Cardholder Dispute – Credit Posted as a Purchase

4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less

4853 – Cardholder Dispute – Credit Not Processed

4853 – Cardholder Dispute – Goods or Services Were Either not as Described or Defective

4853 – Cardholder Dispute – Issuer Dispute of a Recurring Transaction

4853 – Cardholder Dispute – Goods or Services Not Provided

4853 – Cardholder Dispute – Transaction Did Not Complete

4853 – Cardholder Dispute – Timeshares

4855 – Goods Or Services Not Provided

4859 – Addendum, No-Show, or ATM Dispute – Transactions Involving a European Issuer or Acquirer

4859 – Addendum, No-Show, or ATM Dispute – Transactions Not Involving a European Issuer or Acquirer

4860 – Credit Not Processed

4863 – Cardholder Does Not Recognize – Potential Fraud

4870 – Chip Liability Shift

4871 – Chip Liability Shift – Lost/Stolen/Never Received Issue (NRI) Fraud


American Express Reason Codes

A01 – Charge Amount Exceeds Authorization Amount

A02 – No Valid Authorization

A08 – Authorization Approval Expired

C02 – Credit Not Processed

C04 – Goods / Services Returned or Refused

C05 – Goods / Services Cancelled

C08 – Goods / Services not Received or Only Partially Received

C14 – Paid By Other Means

C18 – “No Show” or CARDeposit Cancelled

C28 – Cancelled Recurring Billing

C31 – Goods / Services Not As Described

C32 – Goods / Services Damaged or Defective

F10 – Missing Imprint

F24 – No Cardmember Authorization

F29 – Card Not Present

F30 – EMV Counterfeit

F31 – EMV Lost/Stolen/Non-Received

M01 – Chargeback Authorization

P01 – Unassigned Card Number

P03 – Credit Processed as Charge

P04 – Charge Processed as Credit

P05 – Incorrect Charge Amount

P07 – Late Submission

P08 – Duplicate Charge

P22 – Non-Matching Card Number

P23 – Currency Discrepancy

R03 – Insufficient Reply

R13 – No Reply


Discover Reason Codes

05 – Good Faith Investigation Chargeback

AA – Does Not Recognize

AP – Recurring Payments

AT – Authorization Noncompliance

AW – Altered Amount

CD – Credit/Debit Posted Incorrectly

DP – Duplicate Processing

IN – Invalid Card Number

LP – Late Presentation

NF – Non-Receipt of Cash from an ATM

PM – Paid by Other Means

RG – Non-Receipt of Goods, Services, or Cash

RM – Cardholder Disputes the Quality of Goods or Services

RN2 – Credit Not Processed

UA01 – Fraud: Card Present Transaction

UA02 – Fraud: Card Not Present Transaction

UA05 – Fraud: Chip Card Counterfeit Transaction

UA06 – Fraud: Chip and PIN Transaction

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